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I also concur. Had this case been in CA, MERS would have/should have filed a demurrer as their “answer.”
The only “holding” here is that the trial court’s decision is upheld because MERS failed to answer and thus the case went to default judgment.
There is really no particular holding related to MERS being on the title of record.
Groves appears to have “won” thru a “technicality.” Perhaps counsel for MERS was asleep at the switch on this one.