Thank you for your question.
There is not a specific directive that we have sent in regard to specifically calling everyone if there is a missing document.
We are using this approach: What is the piece that is missing? If it is simply our document or something that is very trivial, we actually do try to call if possible, based on availability of the agent and availability of the person. However, this is not across the board in terms of all lines of business. We are still trying to get ourselves aligned with that, but if there is a signature missing, if there is something that somebody physically has to do, then we will probably need to send back the application package.
Let me correct myself if I left the impression that we are contacting everyone who has a missing document. We have started to kind of make sure that for the minor deficiencies we don't actually send the package back but do have an ability to correct it as such.