My only follow up comment is that MVCI needs better training for their associates. The VC I spoke to first was a senior vacation advisor and yet he was not knowledgeable about the requirements to handle a transfer from a joint ownership,with survivorship to a ownership for a surviving owner. Now because I hang out here on TUG I get good advice so I pushed back when sent the external modifications package. Some ownwers who do not know better would assume that they were getting correct information and spending time and money getting deeds re-issued and filling out unneeded paperwork.