With the exception of any material noted as being in the public domain, the text, images, and encoding of this document are copyright © 2003 Jack E.Gilbert Insurnce Agency, Inc..

This document is licensed for private, noncommercial, nonprofit viewing by individuals on the World Wide Web. Any other use or copying, including but not limited to republication in printed or electronic media, modification or the creation of derivative works, and any use for profit, is prohibited.

This writing is distributed in the hope that it will be useful, but "as-is," without any warranty of any kind, expressed or implied; without even the implied warranty of merchantability or fitness for a particular purpose.

In no event will the author(s) or editor(s) of this document be liable to you or to any other party for damages, including any general, special, incidental or consequential damages arising out of your use of or inability to use this document or the information contained in it, even if you have been advised of the possibility of such damages.

In no event will the author(s) or editor(s) of this document be liable to you or to any other party for any injury, death, disfigurement, or other personal damage arising out of your use of or inability to use this document or the information contained in it, even if you have been advised of the possibility of such injury, death, disfigurement, or other personal damage.

All trademarks or registered trademarks used in this document are the properties of their respective owners and (with the possible exception of any marks owned by the author(s) or editor(s) of this document) are used here for purposes of identification only.