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Tom Bakos, FSA, MAAA, is a consulting actuary with Tom Bakos Consulting Inc., Ridgway, Colo. He can be reached via e-mail at tbakos@BakosEnterprises.com. Mark Nowotarski is president of Markets, Patents & Alliances LLC, Stamford, Conn. He is also a registered US patent agent. He can be reached at mnowotarski@marketsandpatents.com.
Reproduced from National Underwriter Property & Casualty/Risk & Benefits Management Edition, October 31, 2003. Copyright 2003 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.
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