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THE ROUGH NOTES COMPANY, INC. STAFF

Walter J. Gdowski
President & CEO
waltg@roughnotes.com

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

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

Charlene Taylor
Controller
cat@roughnotes.com

Editor in Chief
Thomas A. McCoy, CLU
tmccoy@roughnotes.com

Senior Editor
Nancy Doucette
nancyd@roughnotes.com

Associate Editor
Elisabeth Boone, CPCU
elis.boone@att.net

Associate Editor
Dennis Pillsbury
dennisp@roughnotes.com

Vice President, Alternative Risk
Michael J. Moody, MBA, ARM
mmoody1222@yahoo.com

Editorial Assistant
Alice A. Roettger

Production/Advertising Coordinator
Tricia Cutter
triciac@roughnotes.com

Art Director/Photographer
Paul Riley
pbriley@roughnotes.com

Graphic Designer
Deanna Stone
deanna@roughnotes.com

Circulation
rnc@roughnotes.com

Contributing Editors

Scott Addis

Robert L. Bailey

Kevin P. Hennosy

Emily Huling, CIC, CMC

Larry Linne

Donald S. Malecki, CPCU

Michael J. Moody, MBA, ARM

Kimberly Paterson, CEC

Roger Sitkins

Len Strazewski

Kevin Trokey

Tom Wetzel

Dave Willis

Editorial Advisory Board

Scott Addis, CPCU, is CEO of The Addis Group in King of Prussia, Pennsylvania, and is president of Addis Intellectual Capital.

Steve Brown is president of Hoffman-Brown Company, in Sherman Oaks, California.

Glenn Clark is president of Rockwood Programs in Wilmington, Delaware, and the founder of Target Markets Program Administrators Association.

Bryan Costello is president of Costello & Sons Insurance Brokers, Inc., San Rafael, California.

Tom Cousineau is a principal with VAST in Marquette, Michigan.

Michel Drouin is president and CEO of Charlebois Trepanier in Gatineau, Quebec, Canada.

Karen Farris is chairman of Roach Howard Smith & Barton in Dallas, Texas.

Roosevelt Haywood III is a principal with Haywood & Fleming Associates, Gary, Indiana.

Tommy Huval is president of The Huval Companies, a Brown & Brown subsidiary based in Lafayette, Louisiana.

Lew Kachulis is a principal of Gilbert’s Insurance Agency, Inc., Sharon, Pennsylvania.

Robert N. Kretzmer, CIC, is an executive with V. W. Brown Insurance Service, LLC, in Bethesda, Maryland, and the executive director of Rough Notes magazine’s Community Service Award for independent agents.

Jeff Kweder is president of Shepherd Insurance and Financial Services, Carmel, Indiana.

Ronald R. Lensing, CIC, is executive vice president of Ramsey, Krug, Farrell & Lensing in Little Rock, Arkansas.

Robert E. Mackoul is CEO of Mackoul & Associates in Long Beach, New York.

T. Gray McCaskill is president of Senn Dunn, Greensboro, North Carolina.

Chris McVicker is president and CEO of The Flanders Group in Pittsford, New York, which focuses on six specific crevice markets.

Paul Murphy is owner of Paul T. Murphy Insurance in Malden, Massachusetts.

Ted Pappas is president of The McLaughlin Company, a Washington, D.C.-based agency.

Chris Paradiso is president of Paradiso Financial & Insurance Services in Stafford Springs, Connecticut.

Robert Phelan, ARM, is chairman and chief executive officer of the Litchfield Insurance Group, Torrington, Connecticut.

Markham F. Rollins III is co-chairman and CEO of The Rollins Agency, Inc., in Rye Brook, New York.

Nick San Filippo is president of American Insurance Services in Clark, New Jersey.

Kelly Shepherd-Purmort is a partner with Shepherd Insurance & Financial Services in Carmel, Indiana.

Bill Teubel is chief financial officer at TrueNorth Companies in Cedar Rapids, Iowa.

Valarie Webster is vice president of client relations for The Flanders Group, Pittsford, New York.

Rough Notes Magazine Advertising Sales

Eric Hall
Vice President - Advertising - National Sales Director
Phone (800) 428-4384; (317) 816-1022
Fax (317) 816-1000
ehall@roughnotes.com

Dick Schoeninger
Vice President - Advertising - Northeast
Phone (866) 918-2900; (610) 640-2985
Fax (610) 640-2849
dick@roughnotes.com

Marc Basis
Vice President - National Sales Director - Benefits Advertising
Phone (866) 461-3045; (561) 740-8110
Fax (561) 740-8101
marcb@roughnotes.com

Michael Moody
Vice President - Alternative Risk
Phone (866) 536-9768; (352) 536-9768
Fax (866) 536-9864
michaelm@roughnotes.com

Tricia Cutter
Article Reprint Sales
triciac@roughnotes.com

The Insurance Marketplace Advertising Sales

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

Dick Schoeninger
Vice President - Advertising - Northeast
dick@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

Joseph J. Hunter-Lattak, CPCU
Editor, Technical and Educational Products
joeh-l@roughnotes.com

Editorial Offices

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

Internet address

http://www.roughnotes.com

Subscriptions

Online
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

©The Rough Notes Company. No part of this publication may be reprodsuced, translated, stored in a database or retrieval system, or transmitted in any form by electronic, mechanical, photocopying, recording, or by other means, except as expressly permitted by the publisher. For permission contact Samuel W. Berman.