 ©Rough Notes Co., 2000
DECEMBER 2000 Staff
Editor in Chief
Senior Editor
Associate Editor
Assistant Editor
Editorial Assistant
Contributing Editors
Henry A. Bechard, Jr.
James P. Cecil
William A. Clemmer
Paul J. DiStefano CPA, CPCU
Larry France
Bruce Hicks CPCU, CLU
Randall Kleinman, JD, CPCU
Troy L. Korsgaden
Gary S. Lesser, JD
Donald S. Malecki, CPCU
Roy C. McCormick
William E. Ryan, CPA
Wanda Shumaker
Roger Sitkins
Lynn Thomas, JD
LeRoy H. Utschig 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
Karen Hwilka,
Electronic Publishing
Electronic Publishing
Circulation Advertising Sales
Mark B. McClellan
Richard L. Hall, Executive Vice President
Brian McGoldrisk, Vice President
Robert A. Bloss 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, Executive Vice President, COO
Robert T. Ammerman, Vice President
Eric M. Hall, Vice President, Sales
Charlene Taylor, Controller Technical & Educational Products Division
Bruce D. Hicks, CPCU, CLU
Roy C. McCormick, Consulting Editor,
Editorial Offices (317) 582-1600 Internet address: http://www.roughnotes.com
Subscriptions (317) 582-1600 ROUGH NOTES, Vol. 143, No 12 (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.
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