Adlin, I believe this is the question you referenced... Determine the amount of settlement if an insured has $60,000 insurance coverage on a building that is valued at $100,000. An 80% coinsurance applies. A $24,000 loss occurs. Using the coinsurance formula you 1. multiply the value of the property by the coinsurance % = 80,000 2. divide the limit of insurance by 80,000 = .75 3. multiply the loss by .75 = 18,000 The coinsurance formula is listed in the state manual on page 34 and it is also listed in the course. If you follow steps 1-3 in this order, you will get the correct answer. Let me know how it works. Jan