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* 1. Did you know that some Connecticut courts have ruled that banks need not pay a delinquent owner's common charges more than once, even if their own mortgage foreclosures drag out for years?

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* 2. In the past five years, has your association had to permanently write off common charges on a unit because of a bank foreclosure?

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* 3. In the past five years, has your association had to raise common fees or increase a line item for bad debt to offset losses caused by a unit's bank foreclosure?

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* 4. How many units are in your association?

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* 5. What is your association's annual budget?

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* 6. Please tell us about your association.

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