RN_MAG

©Rough Notes Co., 2000

AUGUST 2000
VOLUME 143, No. 8

Staff

Editor in Chief
Thomas A. McCoy
tommccoy@in.net

Senior Editor
Nancy Doucette
nancyd@in.net

Associate Editor
Elisabeth Boone, CPCU
elis.boone@worldnet.att.net

Assistant Editor
Rachelle Striegel
rachelle@in.net

Editorial Assistant
Alice A. Roettger

Contributing Editors
Steve Anderson
steve@steveanderson.com

Henry A. Bechard, Jr.
habj@aol.com

James P. Cecil
jim@nurturemarketing.com

William A. Clemmer
bilclemmer@aol.com

Paul J. DiStefano CPA, CPCU
harborcapitaladvisors@banet.net

Larry France
larryf@in.net

Bruce Hicks CPCU, CLU
bruceh@in.net

Christopher Ketcham, CPCU, CFP
cketcham@in.net

Randall Kleinman, JD, CPCU
oospensky@msn.com

Troy L. Korsgaden
empkor@aol.com

Gary S. Lesser, JD
qpsep@aol.com

Donald S. Malecki, CPCU
dsmmcc@cs.com

Roy C. McCormick
rnc@in.net

Kimberly Paterson
cimco@compuserve.com

William E. Ryan, CPA
harborcapitaladvisors@banet.net

Wanda Shumaker
tamanswers@aol.com

Roger Sitkins
sitkins@sitkins.com

Lynn Thomas, JD
lynnthomas@21stcenturymgmt.com

LeRoy H. Utschig
utschig@mail.nconnect.net

2000 Editorial Advisory Board

Tommy Adams, Charles M. Moore Agency
Jack Allen, CFR, Inc.
Greg Belton, Hunter, Keilty, Muntz & Beatty
Robert Bordeau, Al Bourdeau Insurance Services
Wendy Bourdeau, Al Bourdeau Insurance Services
Dennis Hilton, Cheney Insurance Agency
Tommy Huval, The Huval Companies
Cheryl Koch, Agency Management Resource Group
Robert Kretzmer, CIC, Dygve-Kretzmer Insurance Services
John Love, CPCU, AH&T Technology Brokers
Chris McVicker, The Flanders Group
Randall Phelps, Universal Insurance Services, Inc.
Dennis Pillsbury, Pillsbury Enterprises
Ronald Pitcher, Pitcher Insurance Agency
Mark Rollins, The Rollins Agency
William Rothwell, Universal Insurance Services, Inc.
Frank Schultheis, Schultheis Insurance
Roger Sitkins, The Sitkins Group
Valarie Webster, The Flanders Group

Publications Production Manager

Evelyn Egan
evelyne@in.net

Electronic Publishing
Arnold M. Pickett
arnoldp@in.net

Electronic Publishing
Linda A. Lange
llange@in.net

Circulation
McCoy Wagers
rnc@in.net

Advertising Sales

Mark B. McClellan
National Sales Director, Advertising
44 Country Club Road, Avon, CT 06001
Phone (800) 778-7991; (860) 673-4756; Fax (860) 675-9487
mmccle3418@aol.com

Richard L. Hall, Executive Vice President
43-591 Palermo Court, La Quinta, CA 92253
Phone (760) 360-1378; (877) 360-1378; Fax (760) 360-3257

Brian McGoldrisk, Vice President
8955 W. 178th Street
Tinley Park, IL 60477
Phone (888) 271-1701; (708) 633-0430; Fax (708) 633-0593

Robert A. Bloss
Robert A. Bloss & Associates
102-C W. Germantown Pike, Norristown, PA 19401
Phone (800) 722-0228; (610) 275-2911; Fax (610) 239-9141

Carolyn Pringle, Advertising Coordinator

Karen Hwilka, Article Reprint Sales
khwilka@in.net

The Insurance Marketplace

Larry France, Editorial Director
larryf@in.net

The Rough Notes Company, Inc.
11690 Technology Dr.
Carmel, Indiana 46032-5600

Walter J. Gdowski, President & CEO
11690 Technology Dr., P. O. Box 1990
Carmel, Indiana 46082-4990
waltg@in.net

Samuel W. Berman, Corporate Vice President, COO
samb@in.net

Robert T. Ammerman, Vice President
(317) 582-1600; 800-428-4384; Fax (317) 816-1000
boba@in.net

Eric M. Hall, Vice President, Sales
ehall@in.net

Charlene Taylor, Controller
cat@in.net

Technical & Educational Products Division

Christopher Ketcham, CPCU, CFP, Vice President
cketcham@in.net

Bruce D. Hicks, CPCU, CLU
Editor, Policy Form & Manual Analysis Service
bruceh@in.net

Roy C. McCormick, Consulting Editor,
Policy Form & Manual Analysis Service

Editorial Offices (317) 582-1600
Fax (317) 816-1000
E-mail: rnc@in.net

Internet address: http://www.roughnotes.com

Subscriptions (317) 582-1600
Subscriptions Fax (800) 321-1909

ROUGH NOTES, Vol. 143, No 6 (ISSN 0035-8525) is published monthly by The Rough Notes Co., Inc., 11690 Technology Dr., Carmel, IN 46032-5600. The Rough Notes Co., Inc. is a subsidiary of Insurance Publishing Plus Corporation, Walter J. Gdowski, President and Secretary; Samuel W. Berman, Vice President. Periodicals postage paid at Carmel, Indiana, and at additional mailing offices. Subscriptions: United States, one year, $29.75. Single copies, $3. Member of Business Publications Audit of Circulation, Inc. Printed in the U.S.A.

No part of this publication may be reproduced, translated, stored in a database or retrieval system, or transmitted in any form by electronic, mechanical, photocopying, recording, or other means, except as expressly permitted by the publisher. For permission contact Samuel W. Berman.

POSTMASTER: Send address changes to Rough Notes, Subscription Department, 11690 Technology Drive, Carmel, IN 46032-5600.