 ©Rough Notes Co., 2002
AUGUST 2002 Staff
Editor in Chief
Senior Editor
Associate Editor
Associate Editor
Assistant Editor
Editorial Assistant
Contributing Editors
John Ashenhurst
James P. Cecil
William A. Clemmer
Paul J. Di Stefano CPA, CPCU
Linda S. Ferguson, CPCU
Larry G. France
Bruce D. Hicks CPCU, CLU
Kevin P. Hennosy
Emily Huling, CIC, CMC
G. Edward Kalbaugh
Troy L. Korsgaden
Gary S. Lesser, JD
Donald S. Malecki, CPCU
Roy C. McCormick
Michael J. Moody
Wanda Shumaker
Roger Sitkins
Len Strazewski
LeRoy H. Utschig
Michael J. Weinberg 2002 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. JoAnna Gentry-Collette, Collette & Associates Tommy Huval, The Huval Companies Cheryl Koch, Agency Management Resource Group Robert N. Kretzmer, CIC, Inner Harbour Insurance, Inc. Ronald R. Lensing, Ramsey, Krug, Farrell & Lensing John Love, CPCU, AH&T Technology Brokers Chris McVicker, The Flanders Group Ted Pappas, The McLaughlin Company Robert Phelan, Litchfield Insurance Group Ron Pitcher, Pitcher Insurance Agency Mark Rollins, The Rollins Agency William Rothwell, Universal Insurance Services Jeffrey J. Scherschligt, Howalt-McDowell Insurance, Inc. Wanda Shumaker, Hylant Group Roger Sitkins, The Sitkins Group Douglas Terrill, Marsh-Berry Lois Van Horn, Athens Insurance Center Valarie Webster, The Flanders Group Michael Weinberg, Gateway Insurance Agency
Publications Production Manager
Art Director/Photographer
Graphic Designer
Electronic Publishing
Asst. Production Manager/Advertising Contact
Circulation Advertising Sales
Mark B. McClellan
Richard L. Hall, Executive Vice President
John H. McClellan, Midwest Sales Director, Advertising
Karen Hwilka, Article Reprint Sales The Insurance Marketplace
Larry G. France, Editorial Director Rough Notes Today
Dave Willis, Editor
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
Robert N. Kretzmer, Executive Director, Community Service Award
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. 145, 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. Canadian Publications Agreement No. 40618128. 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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