News from

Volume 21, Number 3

Third Quarter 2012

Patriot Insurance Celebrates 10-Year Anniversary as a Property-Casualty Company and 5 Years as a Member of Frankenmuth Insurance
by Lincoln J. Merrill, Jr., President & CEO, Patriot Insurance Company Patriot Mutual Insurance Company began business in 1966 as a subsidiary of Blue Cross and Blue Shield of Maine. It was originally called Blue Alliance Mutual Insurance Company and wrote lines of business that the parent company could not. Initially this was major medical insurance for about 25% of the residents of Maine. Later the company expanded into selling dental insurance, long term care, short term health, and a number of life and disability products through the Patriot Life subsidiary. The company was basically a shell with no employees or computer systems of its own (similar to Ansur in the Frankenmuth group of companies). Patriot Mutual became an independent company in 2000 when Anthem acquired Blue Cross. In March 2002, I was hired to convert Patriot into a property & casualty company. Vice President of Personal Lines Charles Brakeley, Vice President of Claims Cynthia Delong, and I had worked together at another insurer. They soon joined Patriot and quickly hired a number of key staff members who are still with us today. The task they faced was enormous. We had agreed to take over a book of Personal Lines business in Maine, New Hampshire, and Vermont from another insurer, but we had no infrastructure to do it. We had no computer system, no bank, no investment manager, no employee benefit program or employee manual, no state licenses, and no A.M. Best rating. We had no employees, no workflows, no agents, no agency contracts, no profitsharing, and no name recognition. In other words, we were a name on a piece of paper with a group of customers to service. We only had until December 1, 2002, to build the entire company and make it fully functional. The newly hired employees responded by taking on hundreds of complex tasks and driving them forward to completion. Remarkably, we made it without a moment to spare and had about $23,000,000 in written premium. The period from 2002 to 2007 was spent in building Patriot in our region. We divested ourselves of the product lines that were not property and casualty and added about $5 million to our Personal Lines volume. Our employee count grew from the 20s into the 40s over that time as we added more underwriting and claims staff. Patriot had a noncompetition agreement for several years with the insurer whose business we took over. When that expired we were free to enter the Commercial Lines marketplace which had been our plan since 2002. It was not really feasible for a company our size to do that on our own. We decided it would be best to partner with an established company that was financially strong, had good computer systems, and was committed to the independent agency system. We wanted someone with Commercial Lines products who did not have a Northeast presence so they needed our expertise in this region of the country. We began to analyze the best way to accomplish that and a merger with Frankenmuth Mutual seemed to meet all of our qualifications. The Boards of Directors of both companies worked closely for a year to bring the merger to fruition. It required the approval of the insurance regulators in Maine and Michigan and that was accomplished in time for a July 1, 2007, merger to take place. The agreement allowed Patriot to physically remain in Maine with our staff and manage the local marketplace for the Frankenmuth corporation. Our name changed to Patriot Insurance Company at that time. We have the responsibility to develop business in the other Northeastern states. Our first expansion is in the Commonwealth of Massachusetts where we have filed for a license to sell insurance. We anticipate introducing Patriot Life products in 2013. The merger has been a huge success. The introduction of Commercial Lines has doubled the size of Patriot, so we
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are now $60 million in annual premium. Personal Lines premium volume is slightly larger than Commercial, but that should reverse in 2013. Our Combined Ratio is very good. The staff has grown to sixty people, and we enjoy many improved benefits as part of a larger organization. Three of our employees work in Michigan, two work from their homes in New Hampshire, and one each are located in Oklahoma, Virginia and Massachusetts. I believe we are well on our way to reaching $100 million in premium and becoming a preferred market for the agents in the Northeast Region.

Rich Pomeroy Promoted

Richard J. Pomeroy was recently
promoted to Director of Sales for Patriot Life Insurance Company, a member of Frankenmuth Insurance. With thirty years of prior life insurance sales experience, Rich joined the company in July 2011 as Senior Life Field Manager. He has earned the following professional designations: Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Charter Advisor for Senior Living (CASL), and Life Underwriting Training Council Fellow (LUTCF). Rich has been active in ARC of Saginaw and Midland Counties, Midland DDA, Midland MBDA, Midland Chamber of Commerce, United Way, Midland Rotary Club, Northeast Michigan Estate Planning Council, MidMichigan Charitable Planning Council, Midland Beautification Committee, Midland Economic Sustainability Committee and the Great Lakes Loons Booster Club. He also coached Special Olympics baseball, basketball and soccer for many years.

Fred Edmond Promoted

Frederick A. Edmond, Jr., was
recently promoted to Senior Vice President of Frankenmuth Mutual Insurance Company and its subsidiaries, Ansur America Insurance Company, ASure Worldwide Insurance Company, Fortuity Insurance Company and Patriot Life Insurance Company. With fourteen years of prior insurance experience in claims, underwriting and marketing, Fred joined the company in October 1998 as Marketing Group Coordinator. He was promoted to Group Coordinator and Sales Manager (Michigan) in November 2001, Sales Manager (Michigan -Wisconsin-Ohio) in April 2004 and Vice President in October 2005. He was elected to the Board of Directors in April 2008. Fred holds an Associates degree in Business Administration from Delta College and a Bachelor of Arts degree in Finance/Management from Western Michigan University. He also earned his Chartered Property Casualty Underwriter (CPCU) designation in 1992 and his Certified Insurance Counselor (CIC) designation in 2000. He serves on the Insurance Committee of the Michigan Association of Home Builders, is a member and past president of the Northeastern Michigan Chapter of the Society of CPCU, and was recently elected to the Board of Directors of the Michigan Chamber of Commerce. Fred is active in the Frankenmuth community. He is a member of the Frankenmuth Chamber of Commerce Board of Directors, currently serving as Chairman, and a member of the Frankenmuth Morning Rotary Club.

Two New Retirees

Tom Jordan retired on July 20, 2012,
with 12 years of service to the company. He was hired on February 8, 1999, as our first Loss Control Consultant in Wisconsin and was promoted to Senior Loss Control Consultant in October 2010. Tom holds a Bachelor of Science degree in Business Administration from Spencerian Business College. He earned his Associate in Risk Management (ARM) designation and is certified in industrial hygiene safety

Marie Wilber retires on September 28, 2012, with 12 years of service to the company. She was hired on June 19, 2000, as a Commercial Lines Assembly & Distribution Associate. She was promoted to CL Rater Trainee in October 2004 and CL Rater I in December 2005. Marie earned her Certificate in General Insurance in 2006 and her Associate in Insurance Services (AIS) designation in 2007.
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Five Employees Earn Professional Designations and Certifications

The following Frankenmuth Insurance employees earned insurance designations from The Institutes (American Institute for CPCU/Insurance Institute of America) in the July-September 2012 exam period:

Lindsey T. Vosk earned certification as

a Professional in Human Resources (PHR) from the HR Certification Institute, affiliated with the Society for Human Resource Management, by demonstrating a strong background of professional human resource experience and passing a comprehensive examination covering areas of strategic management, workforce planning, human resource development, total rewards, employee and labor relations and risk management. Lindsey joined the company on September 12, 2011, as an HR Partner II. She holds a Bachelors degree in General Business Management from Michigan State University.

Chad C. Myers earned his Associate in

General Insurance (AINS) designation by adding Ethics 311, Ethical Guidelines for Insurance Professionals, to his previous designation. Chad joined the company on July 14, 2008, as an Assistant Adjuster. He was promoted to Adjuster in the Auto Claims section in March 2010 and transferred to the Casualty Claims section in September 2010. Chad holds a Bachelor of Business Administration degree from Saginaw Valley State University. He earned his Associate in Claims (AIC) designation in June 2010.

Martha Britton earned certification as a

SAS Base Programmer for SAS 9 from the SAS Institute, Inc., by passing a comprehensive examination covering the following topics: Accessing Data, Creating Data Structures, Managing Data, Generating Reports and Handling Errors. Martha joined the company on June 9, 2008 as a Statistical Analyst II in the Accounting Department, and in March 2010 her position was moved to the Actuarial and Policy Management Department. She holds a Bachelor of Arts degree in Statistics from the University of Tennessee and a Masters degree in Applied Statistics from Oakland University. She earned her Associate in General Insurance (AINS) designation in October 2011.

Jennifer B. Reinhardt passed two exams in this testing period. She earned her Associate in Insurance Services (AIS) designation by adding AIS 25Delivering Insurance Services to her previous designation, and she also passed CPCU 520. Jennifer was hired on May 14, 2007, as an Insurance Career Intern in the summer of 2007. She was hired full-time as an ICDP Professional on May 27, 2008. In November 2008 she moved to an Assistant Adjuster position in the Claims Department and was promoted to Adjuster I in March 2011. Jennifer holds a Bachelors degree in Insurance and Risk Management from Olivet College. She earned her Associate in General Insurance (AINS) designation in June 2012 and has also passed CPCU 510. The following employees earned designations or certification from other sources:

Success
People rarely succeed unless they have fun in what they are doing.
Dale Carnegie

Suzanne Cowan earned her Workers

Compensation Claim Law Specialist (WCLS) designation from the American Educational Institute by successfully completing seven comprehensive courses covering Origin and Development of Workers Compensation, Employment Relationship in Workers Compensation, Course and Scope of Employment in Workers Compensation, Workers Compensation Benefits, Federal Workers Compensation Law, Workers Compensation and Employers Liability Policy, and Practice and Procedures in Workers Compensation. Suzanne was hired on January 26, 2009, as a Senior WC Adjuster in Georgia. She earned her Certified Workers Compensation Professional (CWCP) designation in 2004.

By working faithfully eight hours a day, you may eventually get to be a boss and work twelve hours a day.
Robert Frost

In order to succeed, you must fail, so that you know what not to do the next time.
Anthony DAngelo

If A equals success, then the formula is A equals X plus Y and Z, with X being work, Y play, and Z keeping your mouth shut.
Albert Einstein

If you think you can, you can. And if you think you cant, youre right.
Henry Ford

Service Anniversaries
Significant service anniversaries in October, November and December 2012 are:

Teresa Pickard joined the company on

December 15, 1987, as a File Clerk in the Policy Services Department. She was promoted to Commercial Lines Processing Clerk in April 1989 and to Commercial Lines Rater in July 1990. Teresa transferred to the Business Systems & Procedures Department in November 1992 as a Business Technician. She transferred to the eBusiness Services Department in September 1999 and was promoted to Senior Business Technician in October 2002, Business Analyst I in January 2005, and Business Systems Analyst I in May 2009. Teresa earned her Certificate in General Insurance in May 1993, Associate in Information Technology (AIT) designation in August 2003 and Associate in Insurance Services (AIS) designation in November 2003. She holds a Bachelors degree in Business Administration, Computer Information Management from Northwood University.

35 Years
Pat Saeger began her career at Frankenmuth Insurance on November 22, 1977, as a Casualty Rater Trainee (she previously worked for the company as a Personal Lines Rater from March 1972 to March 1974). Pat was promoted to Compak Rater A in May 1978 and Compak Rater B in September 1981. She transferred to the Methods and Procedures Department as a Clerk in August 1986 and was promoted to M&P Analyst A. In January 1989 Pat transferred to the Underwriting Department as a Commercial Lines Underwriter Trainee and in November 1997 was promoted to Senior Commercial Lines Underwriter. With department reorganization in June 1998, Pat became part of the Michigan Commercial Lines Team, and in January 2007 her title was changed to Business Analyst II.. She was promoted to Commercial Lines Technical Coordinator II in the CL Insurance Operations Department in December 2011. Pat earned her Certificate in General Insurance in May 1980.

20 Years
Donna BierleinCL Michigan Region (October)

25 Years
Michelle Kern was hired on December 22,
1987, as a Filing Clerk Trainee in Underwriting Services and was promoted to Filing Clerk A in March 1988. She was moved to the position of Personal Lines Processing Clerk A in March 1989, promoted to Personal Lines Processing Clerk B in June 1989, Personal Lines Rater A in December 1991 and Personal Lines Rater B in March 1994. Her title was changed to Personal Lines Rater II in January 2007. Michele earned her Certificate in General Insurance in April 2009 and her Associate in General Insurance (AINS) designation in November 2010. She also received a Certificate in the Reception-Typist Program from Great Lakes Junior College.

15 Years
Lisa AndersonCL Central Region (December) Julie DaviseBusiness Services (October) Amy KutschPersonal Lines (November) Lynn NiergarthPersonal Lines (October) Tricia PeyokAccounting (December) Kevin SchornClaims (December) Tammy WascherCL Michigan Region (December)

Rachel Tereau came to Frankenmuth Insurance on November 9, 1987, as a Claims Clerk. She was promoted to Claims Clerk B in July 1990 and Senior Claims Clerk in May 1992. Rachel transferred to the Workers Compensation Unit in June 1997. She was promoted to Claims Processor in November 1999 and Team Leader in February 2001. Her title was changed to Senior Claims Processor in January 2007, and she transferred to the Litigation Unit in January 2010. Rachel received her Supervisor Certification through the American Society of Employers in September 2001.

10 Years
Stefan DeptulaPatriot Claims (November) Erica HutchinsPatriot Personal Lines (October)

5 Years
Dante CecconiCL Southeast Region (October) Andy DonovanHuman Resources (November) Lisa GnatkowskiPersonal Lines (November) Aimee HerzbergAccounting (November) Jim HoppeCL Great Lakes Region (November) Amanda HutchinsonPersonal Lines (October) Britney JohnstinCL Insurance Operations (November) Cathy KellyCL Southeast Region (December) Frank LivingstonActuarial & Prod. Mgmt. (October) Melissa SchollarsPatriot Personal Lines (December) David SeibelTechnical Services (October) Leanne SmithCL Michigan Region (October) Elizabeth StasikClaims (October) Byron WatsonPatriot Personal Lines (November) Tami WhitmireCL Michigan Region (October) Shari ZeakPersonal Lines (December)

In Memoriam

Richard Moser passed away on

July 9, 2012, at the age of 86. He was hired at Frankenmuth Insurance on August 1, 1977, as a Property Adjuster in Southeastern Michigan and was promoted to Senior Property Adjuster in November 1983. He retired on July 31, 1989, and moved to Edgewater, Florida. Dick was a World War II veteran. He is survived by Mary Lou, his wife of 66 years, two daughters, four grandchildren, four great-grandchildren and a sister.

Cheryl Presley passed away on

July 30, 2012, at the age of 46. She joined Patriot Insurance Company on February 14, 2005, as a Senior Personal Lines Underwriter and served in that capacity for the past 7 years, working with agents in Maine, New Hampshire and Vermont. She was P&C licensed and had earned her Associate in Personal Lines (API) and Associate in Claims (AIC) designations. Cheryl is survived by her daughter Carrie-Jo, granddaughter Avery, her parents, grandmother, a brother and three sisters.

Harold List passed away on August 31, 2012, at the age of 97. He was hired as Frankenmuth Mutual Auto Insurance Companys third employee in August of 1933. Harry worked as an Underwriter during his entire career with the company, although during his 44-year tenure the role changed and expanded considerably. In addition, he served as the companys Assistant Secretary from 1959 to 1969 and Secretary from 1970 to 1977. He was elected to the Board of Directors when the company merged with Frankenmuth Mutual Fire Insurance Company in 1958 and served on the Board until his retirement in 1977. Harry is survived by Irma, his wife of 70 years, a son, a granddaughter, two sisters and a brother.

Those we love remain with us for love itself lives on, And cherished memories never fade because a loved ones gone. Those we love can never be more than a thought apart, For as long as there is memory, they'll live on in the heart.

New Employees
Gerald HarmonSr. Help Desk Technician, Tech. Serv. Jason OwenSr. Help Desk Analyst, Tech. Services Kiern RobillardAssistant Adjuster, Patriot Claims Amanda ShermanAssistant Adjuster, Claims Louisa TrottSupervisor II, Personal Lines

Wellness Corner
Passport to Wellness Employee Wellness Fair
The Frankenmuth Insurance Wellness Committee is excited to bring our employees the first Frankenmuth Insurance Wellness Fair on Thursday, September 27th 9:30 am 3:00 pm East/West & North/South Conference Rooms The Wellness Fair will feature approximately 40 different health and wellness vendors. During the Fair, you will have the opportunity to learn more about how to live a happy and healthy lifestyle.

Its All in the State of Mind . . .

If you think you are beaten, you are; If you think you dare not, you don't; If you like to win, but you think you cant, Its almost a cinch you wont. If you think youll lose, youve lost, For out in the world you find Success begins with a fellows will; Its all in the state of mind. For many a race is lost Ere ever a step is run; And many a coward fails Ere ever his works begun. Think big and your deeds will grow, Think small and youll fall behind, Think that you can and you will; Its all in the state of mind. If you think youre outclassed, you are, Youve got to think high to rise; Youve got to be sure of yourself before You can ever win a prize. Lifes battles dont always go To the stronger or faster man, But sooner or later the man who wins IS THE FELLOW WHO THINKS HE CAN.
Anonymous

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To participate in the Wellness Fair, you will want to:

i Pick up your passport at one of the Check-in

tables located in either the Atrium or outside the West Conference Room. Visit the vendors in the four destinations: West Coast, Far East, South of the Border, and North Pole. Participate in Wellness Activities such as: Flu Shot, Blood Pressure, Body Mass Index, Bone Density Screening, Hearing Screening, Vision Screening, Neck Massages, Glasses Adjustments/Cleaning, etc. Talk to the different vendors about their services and products they offer and receive information and free samples. Enter the Wellness Fair raffle for a chance to win prizes including a PTO day, PTO day or vendor merchandise. To be eligible, you will need to: Participate in at least 3 wellness activities and Visit at least 14 other vendors and Have your passport stamped at these locations and Bring your completed passport to Customs to check-out and get your raffle ticket for the drawing.

The Wellness Fair is brought to you by the Wellness Committee to provide information you may find helpful in managing your health and wellness. The Committees members are: James Boyd, Rich Beyers, Chris Casey, Sarah Garcia, Matt Gwisdala, Mary Naples, Catherine Parlberg, Mary Reinbold, Rebecca Schultz, Rachel Sherman, Matthew Stamper, Becky Walraven, Brenda Woodward and Kyle Zabel.

I Am A Customer
Allow me to introduce myself. I am a customer. I am the person that makes the economic engine turn. I am the reason you take home a paycheck. I am the reason you are able to feed your family, pay your mortgage, go on vacation, buy a car, and contribute to your church or synagogue. Because of me, gigantic corporations and small businesses alike have risen and flourished. Because of my absence, they have faded from existence. The roads you drive on, the police and firemen that protect your community, the teachers that teach your children all exist because of me. Politicians and postal workers, sanitation workers and soldiers all owe their jobs to me. Without me, no taxes would be paid and any and all societal advances would come to a halt. The wise come to know, respect, and love me. The foolish disregard my importance and suffer accordingly. By the way, youll notice that I didnt introduce myself as your customer. Thats because I dont belong to you. Even if I make a purchase from you, that doesnt mean that I will do it again in the future. You are always on trial and I am always evaluating, measuring, and testing your product and service. So pay attention to me. Get to know me. Learn my habits. My likes. My dislikes. My desires. My dreams. My values. Learn my language. Learn to recognize my moods. Above all, treat me with respect. I will not be ill-treated, and why should I be? There are too many businesses vying for my attention. Every time you turn on the television, open a newspaper, or listen to the radio, you see and hear multitudes of companies competing for my attention. There are too many people who are willing to treat me right in exchange for my business. And know this, I am not easily fooled. Businesses treat me right or suffer the consequences. Sooner or later I always discover dishonesty, disrespect, or disinterest. Most of the time, I dont announce my displeasure. I simply take my business elsewhere. Occasionally, we will have disagreements. I dont like mistakes, but I understand that you sometimes make them. The manner in which you handle my complaint determines any future interaction I have with you. And, in my mind, it also determines the character of your business. I rarely ever give you a second chance to make the same mistake twice.
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So, watch for me in your business community. If youre fortunate enough to see me, do everything in your power to woo me and make me your own, because I hold the key to your financial success. It is no exaggeration to say that when you interact with me, your future hangs in the balance. Learn me. Know me.

I am a customer.
2012 Charles Marshall. Charles Marshall is a nationally-known, humorous motivational speaker and author. Visit his Web site at www.charlesmarshall.net or contact him via e-mail at charles@charlesmarshall.net.

I am thankful . . .
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For the wife who says its hot dogs tonight, because she is home with me and not out with someone else. For the husband who is on the sofa being a couch potato, because he is home with me and not out at the bars. For the teenager who is complaining about doing dishes, because it means she is at home, not on the streets. For the taxes I pay, because it means I am employed. For the mess to clean after a party, because it means I have been surrounded by friends. For the clothes that fit a little too snug, because it means I have enough to eat. For my shadow that watches me work, because it means I am out in the sunshine. For a lawn that needs mowing, windows that need cleaning, and gutters that need fixing, because it means I have a home. For all the complaining I hear about the government, because it means we have freedom of speech. For the parking spot I find at the far end of the parking lot, because it means I am capable of walking and I have been blessed with transportation. For my huge heating bill, because it means I am warm. For the lady behind me in church who sings off key, because it means I can hear. For the pile of laundry and ironing, because it means I have clothes to wear. For weariness and aching muscles at the end of the day, because it means I have been capable of working hard. For the alarm that goes off in the early morning hours, because it means I am alive.
Author Unknown

Never Give Up
Michael Jordan was cut from his high school basketball team. He then went on to win six national championships in basketball. Winston Churchill failed 6th grade. He was subsequently defeated in every election for public office until he was eventually elected Prime Minister at the age of 62 and became one of the best prime ministers of England. Beethoven was told he was hopeless as a composer. He was deaf in his 20s, but he composed music despite that and went on to become one of the best known composers of classical music. He wrote five of his greatest symphonies while completely deaf. Albert Einstein didnt speak until he was four. During his school times, he was considered to be mentally retarded. He was expelled from school and was refused admittance to the Zurich Polytechnic School. Einstein then went on to win the Nobel Prize for his thesis on photoelectric effect and his crown jewel, theory of relativity. Abraham Lincolns wife died, his business failed, he suffered a nervous breakdown, and lost in 10 elections before becoming President of the United States. An expert said of Vince Lombardi: He possesses minimal football knowledge and lacks motivation. He went on to win five NFL championships, including two Super Bowl victories. Thomas Alva Edison was told by his teachers that he was too stupid to learn. He was fired from his first two jobs for being non-productive. He made 1,000 unsuccessful attempts at inventing the light bulb, but he went on to create many useful electronic devices for the 21st century, including the light bulb. Walt Disney was fired by a newspaper editor because he lacked imagination and had no good ideas. He went bankrupt several times before he built Disneyland. Charles Schulz had every cartoon he submitted rejected by his high school yearbook staff. (Oh, and Walt Disney wouldnt hire him.) He went on to become the most widely syndicated cartoonist in history with his Peanuts comic strip. Henry Ford failed and went broke five times before he succeeded. Babe Ruth is famous for his past home run record, but for decades he also held the record for strikeouts. He hit 714 home runs and struck out 1,330 times in his career. Stan Smith was rejected as a ball boy for a Davis Cup tennis match because he was too awkward and clumsy. He went on to win Wimbledon, the U. S. Open, and eight Davis Cups.
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Rocket scientist Robert Goddard found his ideas bitterly rejected by his scientific peers on the grounds that rocket propulsion would not work in the rarefied atmosphere of outer space. In 1954 the manager of the Grand Ole Opry fired Elvis Presley after one performance. He told Presley, You aint goin nowhere, son. You ought to go back to drivin a truck. When Lucille Ball began studying to be an actress, she was told by the head instructor of the John Murray Anderson Drama School, Try another profession. Enrico Carusos music teacher said he had no voice at all and could not sing. His parents wanted him to become an engineer. He went on to become a famous opera star. R. H. Macy failed seven times before his store in New York City caught on. The first time Jerry Seinfeld walked on-stage at a comedy club as a professional comic, he looked out at the audience, froze, and forgot the English language. He returned the following night and closed his set to wild applause. The Beatles were disregarded by Decca Records who told them, We dont like your music. Groups of guitars are on their way out! Columbia Records also rejected them. The Beatles went on to become one of the greatest bands of all time. Isaac Newton did very poorly in grade school. He went on to write Principia Mathematica and many principles for physics. Steven Spielberg dropped out of high school. Then he was enrolled in a disabled learning class. He dropped out again and went on to become one of the most successful directors in the history of Hollywood. Marilyn Monroe was dropped by 20th Century Fox as producer Darryl Zanuck thought she was unattractive. She eventually went on to become one of the best actresses, sex icons, pop symbols of the century. Harrison Ford was dropped from Columbia Pictures because producer George Lucas thought he didnt have it in him to be an actor. Well, the rest is history. Failure is the stepping stone of success. Never, never, never give up!!

This newsletter is published quarterly for employees, Board members and retirees of Frankenmuth Insurance. We welcome suggestions for newsworthy, business-related articles. Dianne L. Voss, Editor