Departments
INSIDE TRACK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
voice of the Profession
Linda Mallon
pRESIDENT’S MESSAGE . . . . . . . . . . . . . . . . . . . . . . 8
Civic service
Cecil D. Bykerk
LETTERS ................................. 10
CoMMENTARy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
auspices, auguries, actuaries, and agents
Robert J. LaLonde
UpToCoDE.............................. 16
new Year's resolution
Nancy Behrens
woRKShop .............................. 44
going bare: a snapshot of Homeowners’ and
Property Coverage During the recession
Claude Penland
TRADECRAfT ............................. 46
How a Change in tax Code Might Help sales
of long-term Care Insurance
Sivakumar Desai
STATISTICAL MISCELLANy. . . . . . . . . . . . . . . . . . . 50
on Call: using Cell Phones
to Find Health Information
CRypTICpUzzLE .......................... 52
south of the equator
Tom Toce
pUzzLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54
nine Coins Problem, revisited
Lenny Shteyman
END pApER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
a new attitude for the new Year
Robert J. Rietz
4 CONTINGENCIES JAN | FEB. 13
VOL 25 | NO 1
Published by
PRESIDENT
Cecil D. Bykerk
EXECUTIVE DIRECTOR
Mary Downs
EDITOR AND ASSISTANT DIRECTOR FOR PUBLICATIONS
Linda Mallon
PUBLICATIONS & MARKETING PRODUCTION MANAGER
Cindy Johns
ADVERTISING
Mohanna Sales Representatives
(972) 596-8777
DEPARTMENT EDITORS
Thomas L. Bakos
Sam Gutterman
Robert J. Rietz
Lenny Shteyman
Tom Toce
PUBLICATION DESIGN & PRODUCTION
Bono Tom Studio Inc.
www.bonotom.com
COMMUNICATIONS REVIEW COMMITTEE
Stephen H. Rosen, Chairperson
Jenna Fariss
INTERNET ADDRESS
www.contingencies.org
WWW.CONTINGENCIES.ORG
