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Given that this isn't a very active board, I just wanted to send my thanks for your post and analysis. I'm thinking of getting into FAF's DSP program to balance out my small/growth/tech stocks with a larger/value stock. I do expect that real estate market will take its toll on the value, but in the long run title insurance companies seem a good hedge against the frequent ups and downs of the real estate market (people refinance in bad times for some extra cash, people buy new houses when times are good). I suppose, though, that the interest rates of the last couple years might be the exception that makes my reasoning a little suspect...

Anyway, keep up the good work!
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