  
           	    November 2008 
FEATURES 
Cover Story: 
Teamwork is a core value 
This Northwest agency stressed teamwork long before it became a buzzword. 
           	    Specialty Lines: 
                      Protecting the exposures of security guards 
           	      Expansion of job descriptions presents growth opportunities and challenges. 
           	    Marketing: 
                      Terrorism is terrorism 
           	      TRIA changes expand definition of terrorism to include homegrown variety. 
           	    Technology: 
                      Avoiding the "oops" 
           	      OneApp Agency software helps firms manage licenses, contracts and more. 
           	    Benefits: 
                      Building benefits business 
           	      At Meeker-Magner, producers team up to deliver total account solutions. 
           	    Other Feature Stories:   
                      Outstanding CSRs recognized 
           	      Co-winners share this year's award from The National Alliance. 
           	    The power of one 
           	      The Rough Notes Company's Community Service Award honors individuals who make a difference. 
           	    Building agency leaders 
           	      MarshBerry's Leading Young Tigers prepare for management role. 
           	    Smart solutions for security risks 
           	      The Mechanic Group is a leader in the challenging market. 
           	    Getting HR off the back burner 
           	      Regional agent association offers a suite of online tools to assist agencies with an array of human resources concerns. 
           	    Investigation and security businesses show strong growth. 
                 
           	    
                  
                    International financial turmoil 
                        Editor’s note: The majority of the articles in this issue were written prior to the more than $700 billion bailout of the financial sector, record stock market losses and injection of U.S. Treasury funds into banks. We hope that by the time they appear, things will be looking much brighter and that the material in the articles remains relevant, despite the tumult that has accompanied their publication.  | 
                   
                 
           	      
           	    COLUMNS 
                    Public Policy Analysis & Opinion—Of federal intervention and  
                      battles to come 
                      By Kevin P. Hennosy 
           	    Winning Strategies—Avoiding the semi-successful trap 
           	      By Roger Sitkins 
           	    Enterprise Risk Management—We're not there yet 
           	      By  Michael J. Moody, MBA, ARM 
           	    Critical Issue Report: What's driving the soft market?—Industry analysts point to a new set of forces 
           	      By Phil Zinkewicz 
           	    Beyond Insurance—The art of goal setting 
           	      By Scott Addis 
           	    Benefits Business—Creating savvy customers 
           	      By Len Strazewski 
           	    Customer Service Focus—Building relationships 
           	      By Linda Faulkner, CIC 
           	    Risk Management—A necessary evil 
           	      By Donald S. Malecki, CPCU 
           	    DEPARTMENTS 
                      Court Decisions 
                      Ownership Statement 
                      The Rough Notes Company celebrates 130 years 
                      Centuries of Rough Notes 
                      Rough Notes Staff 
                    Reprints 
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