Well you don’t, but the Feds do.  Before I get into that, can I just say that I think there’s a competition between the government and the insurance business to see who can come up with more acronyms.  So far, I think it’s a push. The Office of Foreign Assets Control (OFAC) of the U.S. Treasury Department administers economic and trade sanctions based on U.S. foreign policy and national security against targeted foreign countries,...