Since the company has not disclosed that information, claims as such, as being FACT, would have to be gained through insider discussions. well, give the companies a call and ask them? call them email them check their website oh wait! you can't, because there are no working numbers or people to call in regard to NMGL or FFGO or HGLC no one home! the WD/FFGO claims most likely have already gone back to searchlight for default