the qustion asked about area 38 to see only default route and there was a a route win SW2 and SW3 with N2 each one represent the other one Lo0 and it was NOT /32 !! clearly we can see it need to be the area as totally NSSA
and redistributing the loopback 0 on each of sw3 and sw2 into ospf to get it exactly as the questionen asked
however in the SG nothing done to get this point!!! i mean redist the lo0 !! on both sw2 and sw3 !!