<HTML><BODY style="word-wrap: break-word; -khtml-nbsp-mode: space; =
-khtml-line-break: after-white-space; "><BR><DIV><DIV>On Jan 18, 2006, =
at 10:30 PM, Jeff Olson wrote:</DIV><BR =
class="Apple-interchange-newline"><BLOCKQUOTE type="cite"><SPAN =
class="Apple-style-span" style="border-collapse: separate; =
border-spacing: 0px 0px; color: rgb(0, 0, 0); font-family: Helvetica; =
font-size: 12px; font-style: normal; font-variant: normal; font-weight: =
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-apple-text-size-adjust: auto; text-transform: none; orphans: 2; =
white-space: normal; widows: 2; word-spacing: 0px; "><FONT face="Arial" =
size="2"><SPAN class="Apple-style-span" style="font-family: Arial; =
font-size: 10px; ">Agreed, Jim. I may sound a bit bitter because I =
went through the same thing -- UCD informed they would require those =
things. I politely said "Fine, but of course I'll need to charge you =
accordingly." </SPAN></FONT></SPAN></BLOCKQUOTE></DIV><BR><DIV>Jim, =
Jeff, Wim, all,</DIV><DIV>It is my understanding that since the lawsuits =
broke out against the Catholic church over child molestation, that there =
are now seminars for lawyers to attend to learn how to sue churches. =
We now have to agree to federal background checks just to teach sunday =
school to children. So, I am convinced that churches are requiring =
this kind of protection for anyone who might come under their roof while =
a child or anyone else who could be a victim of any kind of malicious =
intent is present. It is indeed a different world. Will church =
members start having to carry liability insurance to attend =
services?</DIV><DIV><BR class="khtml-block-placeholder"></DIV><DIV>Not =
sure I understand the workman's comp requirement, though.</DIV><DIV><BR =
class="khtml-block-placeholder"></DIV><DIV>I do invest the few extra =
dollars per paycheck for the extended disability coverage. The state =
covers short term disabiliity. I used to sell insurance, and I think =
it is a smart few bucks to spend. We once were taught that statistics =
are that you are 7 times more likely to become disabled than to die =
prematurely.</DIV><DIV><BR class="khtml-block-placeholder"></DIV><DIV>If=
you're looking at that highly advertised product, I'd do some shopping =
around. That duck costs a lot of money and its got to come from =
somewhere.</DIV><DIV><BR =
class="khtml-block-placeholder"></DIV><DIV>Jeff</DIV><DIV><BR =
class="khtml-block-placeholder"></DIV><BR><BR><DIV> <SPAN =
class="Apple-style-span" style="border-collapse: separate; =
border-spacing: 0px 0px; color: rgb(0, 0, 0); font-family: Helvetica; =
font-size: 12px; font-style: normal; font-variant: normal; font-weight: =
normal; letter-spacing: normal; line-height: normal; text-align: auto; =
-khtml-text-decorations-in-effect: none; text-indent: 0px; =
-apple-text-size-adjust: auto; text-transform: none; orphans: 2; =
white-space: normal; widows: 2; word-spacing: 0px; "><DIV>Jeff Tanner, =
RPT</DIV><DIV>University of South Carolina</DIV><DIV><BR =
class="khtml-block-placeholder"></DIV><BR =
class="Apple-interchange-newline"></SPAN> </DIV><BR></BODY></HTML>=