corrections

1) It was not the "failure of their initial purpose" that led guaranty agencies to enhance the scope of their activities. The scope grew based on the needs of the populations being served. Congressional actions over the years reflect this.

2) A guaranty agency is a guaranty agency is a guaranty agency. The role of the guaranty agency is the same among all guarantors. Some organiations consist of several business units: a guaranty agency AND perhaps a secondary market or lender - but the lender and/or secondary market business units are separate from, not to be confused with and regulated differently from the guaranty agency. Therefore,..."understanding guaranty agencies" is actually quite easy; definitely not "futher complicated" as you would lead the reader to believe.

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