"I would hope and expect to see changes in operational practice and in the way in which police engage with families in what is a very difficult but important situation where you are dealing with high risk, vulnerable people who are missing, " Dr Maguire added.

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But if you hone in on only the parts of the survey which you perceive as critical, or if you spend your time trying to figure out who wrote that semi-negative comment in the open-ended section, you are missing the point.

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But if there's nothing they can do for you there, a lot of banks--a lot of servicers--are implementing programs to homeowners who are in trouble, but you have to sort of demonstrate that you're in trouble by missing a couple of payments.

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