I can tell you exactly how it is being done, Judy.  The closing agent orders the title wotk from any FATCO office.  It is placed in th FAST system, this is an internal order tracking/closing program.  UNLESS the agent SPECIFICALLY says on each order -'We don't want this sent to Intertitle'; it immediately gets sent to India or the Philippines.  They have all the priors that Fatco (or other underwriters who participate) have ever done anywhere in a database.  So if it has been insured before, they update from the prior policy and enter the new info into FAST and its done.  If it is a metes and bounds description, commercial or flagged as difficult - it is returned to the system to be searched locally (by American abstractors).

Stewart and Fidelity are right behind Fatco and will have their systems up soon.  The stock analysts required this transformation several years ago and last yeat Fatco got serious about it.  Many, many Fatco employess have lost their jobs (typists, abstractors, examiners); but this pleased the analysts and stocks are up.