Advertising Sales

Eric Hall
Vice President - Advertising - National Sales Director
11690 Technology Drive
Carmel, IN 46032
Phone (800) 428-4384; (317) 816-1022
Fax (317) 816-1000
ehall@roughnotes.com

Dick Schoeninger
Vice President - Advertising - Northeast
313 Swedesford Road
Malvern, PA 19355
Phone (866) 918-2900; (610) 640-2985
Fax (610) 640-2849
dick@roughnotes.com

Georgianna Quinn
Article Reprint Sales
gquinn@roughnotes.com

The Insurance Marketplace

Eric Hall
Vice President - Advertising - National Sales Director
ehall@roughnotes.com

Dick Schoeninger
Vice President - Advertising - Northeast
dick@roughnotes.com

Walter J. Gdowski
President & CEO
11690 Technology Dr.
Carmel, Indiana 46032-5600
waltg@roughnotes.com

Samuel W. Berman
Executive Vice President, COO
samb@roughnotes.com

Robert T. Ammerman
Vice President
Phone (317) 582-1600; 800-428-4384
Fax (317) 816-1000
boba@roughnotes.com

Robert N. Kretzmer, CIC
Executive Director, Community Service Award
bobk@roughnotes.com

Charlene Taylor
Controller
cat@roughnotes.com

Technical & Educational Products Division

Linda D. Ferguson, CPCU
Vice President, Technical and Educational Products
lindaf@roughnotes.com

Bruce D. Hicks, CPCU, CLU
Senior Editor, Technical and Educational Products
bruceh@roughnotes.com

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

Editorial Offices
Phone (317) 582-1600
Fax (317) 816-1000
rnc@roughnotes.com

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

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

ROUGH NOTES (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