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 · Over a period of many decades, the stock market, as measured by the Standard & Poor’s (S&P) 500 Index, has enjoyed an average annual total return of roughly 9½ percent-and our best guess was that returns could average somewhere around 9½ percent over the next few decades.

 · When a title agent commits to insure over the gap, the buyer and lender have the full guarantee of the title company and don’t have to be concerned about interim issues. Lenders in the Pittsburgh metropolitan area have required title insurance for so long that gap coverage is fully understood in the surrounding counties.

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