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Prior to the introduction of “Ask Emily,” borrowers were directed to either a call center or a conventional website. With their new IVA, SWBC gives lenders a competitive advantage by allowing borrowers to resolve their insurance issues on their own time, 24/7, using natural-language conversation. Emily answers any insurance-related questions borrowers may have, allowing them to quickly return their loans to good standing and helping them maintain a positive relationship with the lending institution.