David D. Thamann is associate editor

of the FC&S Bulletins, published by the National UnderwriterCompany in Erlanger, Ky. The editors welcome comment and questionsand may be reached by fax at 859-692-2246 or via e-mail at
[email protected].

Reproduced from National Underwriter Property &Casualty/Risk & Benefits Management Edition, July 13, 2001.Copyright 2001 by The National Underwriter Company in the serialpublication. All rights reserved.Copyright in this article as anindependent work may be held by the author.

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