 ©Rough Notes Co., 1999
NOVEMBER 1999 Staff Editor in Chief
Thomas A. McCoy Senior Editor
Nancy Doucette Contributing Editors
Steve Anderson
Doron (Bud) Antrim
James P. Cecil
Paul J. DiStefano CPA, CPCU
Larry France
Bruce Hicks CPCU, CLU
G. Edward Kalbaugh
Christopher Ketcham, CPCU, CFP
Randall Kleinman, JD, CPCU
Troy L. Korsgaden
Donald S. Malecki, CPCU
Roy C. McCormick
Kimberly Paterson
Wanda Shumaker
Roger Sitkins
Lynn Thomas, JD
LeRoy H. Utschig 1999 Editorial Advisory Board Henry Bechard, Jr., Bechard Insurance Wendy Bourdeau, Al Bourdeau Insurance Service Dennis Hilton, Cheney Insurance Agency John Love, CPCU, Armfield, Harrison & Thomas, Inc. Donald S. Malecki, CPCU, Malecki & Associates Chris McVicker, The Flanders Group Ronald Pitcher, Pitcher Insurance Agency Dennis Pillsbury, Pillsbury Enterprises Lois Van Horn, Athens Insurance CENTER Martin Van Horn, Athens Insurance CENTER Max Zimmerman, CPCU, Zimmerman & Company Publications Production Manager
Evelyn Egan
Electronic Publishing
Electronic Publishing
Circulation Advertising Sales
Mark B. McClellan
Robert T. Ammerman, Vice President
Richard L. Hall, Executive Vice President
Robert A. Bloss
102-C W. Germantown Pike, Norristown, PA 19401 Carolyn Pringle, Advertising Coordinator
Karen Hwilka, Article Reprint Sales The Insurance Marketplace
Larry France,Editorial Director
The Rough Notes Company, Inc.
Walter J. Gdowski, President & CEO
Samuel W. Berman, Corporate Vice President, COO
Eric M. Hall, Vice President, Sales
Charlene Taylor, Controller Technical & Educational Products Division
Christopher Ketcham, CPCU, CFP, Vice President
Bruce D. Hicks, CPCU, CLU
Roy C. McCormick, Consulting Editor,
Editorial Offices (317) 582-1600 Internet address: http://www.roughnotes.com
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