A long time ago (1982), I walked into the National UnderwriterCo. offices on Fourth Street in Cincinnati and, having heard thatthe FC&S Bulletins had a staff writer position open, applied.Eugene F. Wolters, editor of the Bulletins, gave me a letter toanswer from an FC&S subscriber and a copy of the then-currentISO garage-keeper policy and pointed me to the department's smallinsurance law library.

The letter had something to do with the “trick and device”exclusion. It was my introduction to the Q&A section, fromwhich this column, and so much other content, is derived — probablythe biggest service that the FC&S experts provide. I guess Igot it right and expressed it clearly, because I got the job.

Here at the beginning of a New Year (can you believe it?!), intribute to both Eugene F. Wolters, my old and great boss, and tothe Q&A section itself, let's try a little Q&A test. I'mgoing to toss out a few subscriber questions, just as we got themvia e-mail, and you can do the policy analysis to determine thecoverage situation. Imagine that you are being given a writing andpolicy knowledge test as part of the interviewing process for anFC&S analyst position. Who knows, maybe you are, so leave aphone number.