 ®©Rough Notes Co., 2004
JULY 2004 Staff
Editor in Chief
Senior Editor
Associate Editor
Associate Editor
Assistant Editor
Editorial Assistant
Production/Advertising Coordinator
Art Director/Photographer
Graphic Designer
Electronic Publishing
Circulation
Contributing Editors
Robert L. Bailey
Paul J. Di Stefano, CPA, CPCU
Linda D. Ferguson, CPCU
Larry G. France
Bruce D. Hicks, CPCU, CLU
Kevin P. Hennosy
Emily Huling, CIC, CMC
G. Edward Kalbaugh
Troy L. Korsgaden
Donald S. Malecki, CPCU
Roy C. McCormick
Michael J. Moody, MBA, ARM
Wanda Shumaker
Roger Sitkins
Len Strazewski
LeRoy H. Utschig, CPCU, ARM
Michael J. Weinberg 2004 Editorial Advisory Board
Scott Addis, The Addis Group, King of Prussia, Pennsylvania
Jack Allen, CFR, Inc., Tulsa, Oklahoma Robert Bourdeau, Al Bourdeau Insurance Services, Flint, Michigan Wendy Bourdeau, Al Bourdeau Insurance Services, Farmington Hills, Michigan Robert N. Kretzmer, Inner Harbour Insurance, Inc., Bethesda, Maryland Ronald R. Lensing, Ramsey, Krug, Farrell & Lensing, Little Rock, Arkansas John Love, AH&T Technology Brokers, Leesburg, Virginia Chris McVicker, The Flanders Group, Pittsford, New York Kent A. Nelson, T.J. Adams Group, LLC, Lombard, Illinois Ted Pappas, The McLaughlin Company, Washington, D.C. Robert Phelan, Litchfield Insurance Group, Torrington, Connecticut John Pollock, Oswald Trippe and Company, Fort Myers, Florida Mark Rollins, The Rollins Agency, Tuckahoe, New York William Rothwell, Universal Insurance Services, Grand Rapids, Michigan Michael J. Weinberg, Gateway Insurance Agency, Fort Lauderdale, Florida Advertising Sales
Mark B. McClellan
Richard L. Hall, Executive Vice President
Georgianna Quinn, Article Reprint Sales The Insurance Marketplace
Larry G. France, Vice President-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
Robert N. Kretzmer, CIC, Executive Director, Community Service Award
Charlene Taylor, Controller Technical & Educational Products Division
Linda D. Ferguson, CPCU
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. 147, 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. Return undeliverable Canadian addresses to Station A, PO Box 54, Windsor, ON N9A 6J5, E-mail: rnc@roughnotes.com. 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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