| http://www.w3.org/ns/prov#value | - Response: We accept the commenters' suggestion that States and Exchanges should not be able to stipulate that Navigators hold an agent or broker license, and we clarify that States or Exchanges are prohibited from adopting such a standard, including errors and omissions coverage. ???Agent or broker??? is defined in ?? 155.20 as ???a person or entity licensed by the State as an agent, broker, or in
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