1. Charlie introduces smarter defaults, allowing for added automation and flexible configuration, all designed to simplify structuring a loan.

2. To start, Business Channel Defaults have been updated.

Hard-coded defaults have been removed, while still giving each customer the flexibility to configure their own preferred setup.

3. Next, when Mortgage Insurance is required and an amount is entered in Structure Loan, whether as a dollar value or a calculated percentage, Charlie now intelligently fills in more information automatically.

4. Smart defaults prefill commonly used fields such as Plan Type, Refund Type, Initial Premium Type, Duration, and Renewal Type.

This reduces setup time, and as always, obtaining an MI quote will override these values when appropriate.

5. Next, input for Hazard Insurance and Property Taxes on the Structure Loan screen has been enhanced.

6. As soon as those values are entered, Charlie automatically creates a corresponding Scenario placeholder for each item.

7. These placeholders function as interim records that support early estimates and allow for precise updates once real values are received.