Forgive me if my ignorance is showing, Diane, but I'm not really sure I follow your question.  Are you referring to the ability of the underwriter to access the files of its agents?  If so, why would it differ from state to state?  It may be a case of the agent's choice as to whether to store their files off-site on the underwriter's servers.  But I don't think that's a requirement even if the agent has the ability to scan all of the files.  Am I completely misreading the question?