 ©Rough Notes Co., 2001
JULY 2001 Staff
Editor in Chief
Senior Editor
Associate Editor
Editorial Assistant
Contributing Editors
John Ashenhurst
James P. Cecil
William A. Clemmer
Paul J. DiStefano CPA, CPCU
Rob Ekern
Larry France
Bruce Hicks CPCU, CLU
Andy Hagar
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
Scott Addis, The Addis Group
Jack Allen, CFR, Inc. John Ashenhurst, Sounding Line Robert Bourdeau, Al Bourdeau Insurance Services Wendy Bourdeau, Al Bourdeau Insurance Services Jim Cecil, James P. Cecil Company, Inc. G. Philip Feldman, ISG International, Inc. Pegi Flahault, CPCU, ARM, PF&M Consultant JoAnna Gentry, Conseco Risk Management, Inc. Tommy Huval, The Huval Companies Cheryl Koch, Agency Management Resource Group Robert Kretzmer, CIC, Dygve-Kretzmer Insurance Services Ronald R. Lensing, Ramsey, Krug, Farrell & Lensing John Love, CPCU, AH&T Technology Brokers Chris McVicker, The Flanders Group Robert Phelan, Litchfield Insurance Group Dennis Pillsbury, Pillsbury Enterprises Ron Pitcher, Pitcher Insurance Agency Steve Robinson, ISG International Mark Rollins, The Rollins Agency William Rothwell, Universal Insurance Services Jeffrey J. Scherschligt, Howalt-McDowell Insurance, Inc. Wanda Shumaker, Conseco Risk Management, Inc. Roger Sitkins, The Sitkins Group Douglas Terrill, Marsh-Berry Lois Van Horn, Athens Insurance Center Valarie Webster, The Flanders Group Publications Production Manager
Karen Hwilka,
Art Director/Photographer
Electronic Publishing
Electronic Publishing
Circulation Advertising Sales
Mark B. McClellan
Richard L. Hall, Executive Vice President
Brian McGoldrisk, Vice President
John H. McClellan, Trade Accounts Manager Georgianna Quinn, 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,
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Subscriptions (317) 582-1600 ROUGH NOTES, Vol. 144, No. 7 (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.
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