Diligence · collateral · duty to defend · binder authority
Free 72h REVIEW of public pages. As of the NAIC SVO List of Qualified U.S. Financial Institutions dated September 30, 2026, China Construction Bank does not appear (it was on the December 31, 2025 list). This issuer is off the current list, so the next evergreen/renewal cannot support surplus credit. Model 786 §11A(3) grandfathers an LOC acceptable at issuance until it is expired, extended, renewed, modified, or amended. A Lloyd's FAL letter is a different clock: Y5410 (3 Oct 2023) lets Lloyd's discount the LOC in Funds at Lloyd's if the issuing bank has not confirmed validity in six months. That is not NAIC surplus credit. Phone or email-on-the-instrument confirmation is not the check. Duty to defend after a refusal. Binder authority after the MGA walked. Or a paid deposit find on the same path.
Public pages only (+ anything you send). No charge. No invoice. No obligation. If it is useless, delete it.
Paid path · deeper find
Full review $5,000–$8,000 · retainer band $10,000–$40,000/mo · 72h delivery after deposit clears. Same find, deeper than public pages.
A written map of where collateral is still treated as live before bank confirmation, where duty to defend still runs after a refusal, or where binder authority still binds after the MGA walked. Free REVIEW scopes public pages; deposit opens the deeper find.
Not a pentest gym. Not a governance PDF. Not selling may. Not implementing the rail on this SKU. Production weld is a separate operator path.