Same situation as the “foreign warehouse.” Either the terms of sale are not clearly defined, particularly where there is an advanced payment situation, or sale terms are misunderstood. INCO Terms are seldom followed. Additionally, there are conditions that exist where cargo insurance doesn't apply unless it is changed – multiple truck shipments to a consolidation point, re-stuffing a container, taking more than 2 weeks to ship, and more. Exposures can be as much as $500,000 or more.