Here's an idea:
I believe in many states an entire insurance claim can be thrown out if part of it is fraudulent. So if your roof disappears from a tornado, and you make false statements about the cost of your furnishings, you get NOTHING.

Alabama should investigate this idea and cancel there entire indebtedness from these dealings. Let the investment banks eat the funds fraudulently lent out. How many billions in business can Alabama link back to a kickback scheme? That'll hurt.

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It'll get worse. Just wait.