If your state uses Title Insurance you will no doubt appreciate the built in Title Insurance Formula we include with this program. It is totally editable for your area. In addition to calculating the actual cost of the policy, you can easily set up who customarily pays it in your area. Endorsements (when applicable), are automatically added as the A.I. of the program watches to see which endorsements would be required for your loan, ie; Construction endorsement, Arm, Balloon, Condo etc. This is A.I. This is Utopia