How Legal Loopholes Protect Ana Flores and Others Like Her I’m Johanna Arroliga a fingerprinted, licensed, bonded, and insured professional. I’m required by law to meet those standards to transact in industries like insurance, real estate, notary, tax, and DMV services. Why? Because these industries handle large sums of money and impact people’s lives. They require accountability. If I ever did bad business, I could be held responsible on multiple levels.But in the wedding a