Here's the nice message Chuck sends when I attempt to sell short PGIC:
" ! This stock is either ineligible to be shorted or shares must be borrowed externally. Lenders of hard-to-borrow securities charge a fee in the form of interest. Clients who wish to short a minimum of $100,000 of a hard-to-borrow security and are willing to pay a fee to cover the cost of borrowing those shares, may contact Securities Lending at 1-800-355-2448 to determine the fee amount."