Colorado Chaptergram

September, 2008

Penned by the President

By: Kay Ward DON'T MISS IT!IT!IT!

As I'm writing this article we just finished the September meeting which brought in about 60+ attendees. Sandy Masters with a must read … the American Institute was our guest speaker and brought us all up to date on the current state of programs and future in COMET Learning along with CPCU, INS, AIC, ARM, etc. Once I obtained my designation I considered it my duty to mentor other people in our industry to continued education. If it wasn't for great mentors placed in my path I Inside this issue: very well might still be typing policies - okay so we don't do that Penned by the Pres. 1 anymore! I challenge each and every one of you to find a person at your work or in your circle of friends that you could mentor along the path and invite to be part of our events and come to meetings. Calendar the Date 3

There were many members that attended the Annual Meeting RIMS 4 in Philadelphia along with several new designees. This was my first Annual Meeting as I was unable to attend the year I received my Trail Work 5 designation (2000). Our booth promoting 2009 was great and we gave out lots of prizes, maps, pins and above all those lovable chocolate Summer Social 6 coins!

We have many exciting events planned this year leading up to Chapter Leaders 7 the Society Annual Meeting to be held in Denver, August 29th to September 2, 2009 . There is no doubt we will need the help of each of Diversity Report 8 you to become involved to make this event a great success. Many of you signed up at the September meeting to be an Ambassador at this event and we will continue to take names at each monthly meeting. Junior Achievement 10 In our immediate future we have CPCU All Industry Day to be held on October 2, 2008 - if you haven't got your registration in there is Philadelphia 12 still time! We may change our paradigm next year and not only honor CPCU new designees but also honor those that have completed other Governors Report 15 programs/designations such as INS, AIC, ARM - what better way to praise their accomplishment and provide a welcome environment to Education 17 continue their education in the CPCU program. That may be the first of a lot of future changes as we try to get more new members and younger members involved in our Chapter. Continued on page 2 September, 2008 Page 222

Penned by the President, continued from page. 1 With Anne Schrader's help and generous donation of space from National Farmers Union, we are hosting a Society Technical Workshop on 11-5-08 with great CE topics such as "Certificates of Insurance and Business Interruption". You will be receiving an email on this program and more details on our website will be posted shortly.

We would like to continue to support community works and if volunteering is your passion you have found a great place to fill that need as follows:

10-4-08 Morgan Adams Concours d'Elegance—To volunteer contact Anne Schrader @ [email protected]

10-5-08 Susan B Komen Race for the Cure - Team "Colorado Chapter of CPCU” - Online registration is closed but to join the team contact Kay Ward at 720-939-5575 or [email protected]

11-19-08 Junior Achievement at Lasley Elementary—see article in this newsletter for contact information.

I really encourage you to get involved in the Chapter if that means making a meeting or helping on committee - you will be glad you did!

Kay Ward Page 333 Colorado Chaptergram

Chapter Luncheons Colorado Chapter Upcoming Events 11:30 a.m. Cool River Café 8000 E. Belleview Thursday, October 2, 2008 11:00 Networking and Registration Tuesday October 21, 2008 III-I---Day,Day, Hyatt DTC There is still time to register, see our Cathy Rosset with RMIIA on Teen Driver Program website at Tuesday November 18, 2008 www.colorado.cpcusociety.org Bryan Rappolt, President of Genesis Weather Solutions LLC/Forensic Meteorology Tuesday December 16, 2008 PIIAC 2008 Convention Amy Argo, AVP Underwriting/Product Allied Insur- October 2222----24,24, 2008 at The Park ance “Building Trust in the Insurance Industry” Hyatt Beaver Creek Resort and Spa. See www.piiac.com for more details

Yikes, I’ve got to start calendaring! September, 2008 Page 444

September, 2008 Page 555

Trail Work for Colorado Mountain Club June 28, 2008

Ray Yenchik, Debby Yanik, myself and hubby Estes volunteered to help do some trail work for the Colorado Mountain Club. We were somewhat apprehensive when we arrived at the parking lot and saw pretty serious people, one with a backpack that could sustain her for at least a week. Other than slightly bumping a deer out of the road on the way up, the ride up was pretty uneventful. We were assigned to the Ben Tyler trail which is just past Shawnee on Hwy 285 past Bailey. We found this trail did need a lot of work as we would soon find out. First, we were given the required 10 minute talk about safety and how to properly carry equipment and saws the likes of which I had never seen before.

I offered to carry one and next thing you know I was assigned to the tree sawing group and up the mountain we went leaving behind Ray, Debby and Estes wondering what their assignment would be. We encountered about 9 trees crossing the path that needed to be cut down and the fun began. Meanwhile, lower down the trail Ray and Debby started the physical project of installing much needed fence posts along the path - Ray & Debby can better share how many of those they in- stalled. Around lunch time I realized that my husband had all my lunch and water but was down with Ray & Debby. However, he saved me by realizing he had all this and he and Ray made it up the mountain to find us just in time for lunch. We all reconvened at the end, starting to get sore muscles and very tired and feeling very inspired by our group's accomplishments. My husband and I determined we would like to return to this trail and do some hiking - very soon. Its hard to believe some of these volunteers have been helping out every weekend since April and give so much of their time - truly amazing! Possibly at some future event we can have one of them visit to share their stories.

Kay Ward

Page 666 Colorado Chaptergram

….In case you missed it….

The Colorado Chapter of CPCU held its Summer Social event, the CPCU Sum- mer Soiree and New Designee Reception on August 19 th at the Family Sports Center in Aurora. We began with a mildly competitive golf tournament (very mild, that is), won by the Team of Ringers! The conditions were great for some world class golf, if only we were world class golfers. New Designees Shaun Olsson and Jane Stifter led their Team to a 2 nd place finish. Shaun proved to be an outstanding ball striker with a true love of the game, while Jane proved to be able to find her ball most of the time (with the help of her husband, Pete). Special thanks to the Iron Woman, Gayle Hise, who not only coordinated the tourney, but also played in it, after completing 18 holes previ- ously in the day in another tournament! After our assault on the greens, we adjourned to the Avalanche Lounge for Happy Hour and story telling (mostly about “the birdie that got away”). Wrestling for drink tickets was kept to a minimum and we enjoyed the opportunity to meet our New Designees. In addition to Shaun and Jane, Becky Potts and Cora Merrill also joined us and participated in the revelry. Having quenched our thirsts for spirits and stories, we enjoyed a fine dinner of BBQ ribs and chicken, baked beans, and vegetables. Music was provided by the incomparable Nancy Cook of Dillon, who played a diverse collection ranging from Joan Armatrading to The Eagles to Ziggy Marley….great stuff! Rick Bender was our resident shutterbug and Alyssa Elmore did a fantastic job in setting up the venue, the menu and decorations (including the congratulatory cake that I almost forgot). Her efforts in particular were pivotal in the success of the entire event….thank you, Alyssa…you’re wonderful! The Chapter happily recognized our New Designees in attendance, gave out some terrific door prizes (and, no, it was not rigged) and even arranged a scholar- ship opportunity for one New Designee to attend the National Conferment in Philadelphia….a productive day, indeed, and a good time had by all. Many thanks to those who participated and, once more, congratulations to the Colorado CPCU Class of 2008! They’re a great bunch and a strong addition to the Chapter! Jon Evans, CPCU, ARM New Designee Rep/ Director of Membership Colorado Chapter of CPCU Page 777 Colorado Chaptergram

Colorado Chapter Leaders

Year 2008—2009

Elected Officers Are:

President: Kay Ward [email protected] President Elect: Janet Cammack [email protected] Secretary: Judi Burk [email protected] Treasurer: Cindy Dalpra [email protected] Past President: Cindy Baroway [email protected]

Committee or Task Force Chairs Are:

Director/Education: Anne Schrader [email protected] Director/Membership: Jon Evans [email protected] Director/Communications: Rick Bender [email protected]

Director/Operations: Mary Kuhn [email protected] Candidate Recruitment & De- Gayle Hise [email protected] velopment New Designee Rep: Jon Evans [email protected] Public Relations or Visibility Ron Spicer [email protected]

I-Day Chairman 2008: Shelley Johnson [email protected] Insurance Education Program Cindy Baroway [email protected] Director (Paid Pos) Senior Resource Liaison Charles Dwyer [email protected] Interest Group Liaison Debbie Dettmer [email protected] Wyoming Liaison: Gary Glosser [email protected] Webmaster(s): Sheryl Yackey [email protected] Paid Administrator: Deanna Vermillion [email protected] Page 888 Colorado Chaptergram

Diversity Committee – Strategy Plan

By: Bernard Jenkins

The mission of the Diversity Committee is to create diversity within the Colorado Chapter that will promote and harness a broad range of talent, ideas, and opportunities for the benefit of the Chapter.

The purpose of the Diversity Committee for the Colorado Chapter CPCU Society is to increase the number of participants under the age of 40 and increase minority participation. While there are many facets of diversity that extend beyond race and age with this committee being new it is crucial to focus on a couple of particulates on diversity to begin with.

In accordance with the purpose of the Diversity Committee, creating specific goals both short-term and long-term are essential. The short-term goal for the Diversity Committee is informing and communicating to all members in the Colorado Chapter of the efforts of the committee.

The long-term plans of the Diversity Committee are to create a Chapter that is more reflec- tive of the global business community within the next five years and to make the aim of diversity a part of the overall CPCU recruitment process.

The strategy of the Diversity Committee is to promote diversity by increasing the number of under-represented groups in the area of age and ethnicity thus creating a broader and more dynamic pool of individuals to draw upon and benefit from a larger range of ideas, opportunities, and concepts to benefit the Colorado Chapter CPCU Society.

As a means of reaching the goals set out, the Diversity Committee will look to implement the following approaches:

Build alliances and to develop relationships with other insurance related organizations like the Young Agents of Colorado, RIMS, RMIIA, etc.

Reach out to high schools and colleges through scholarships to participate in IIA-CPCU classes/programs under the Colorado Chapter CPCU Insurance Education Program, in- tern/shadow for-a-day programs, and social events.

Encourage individuals and companies within the insurance industry to reach out to those under-represented in the Colorado Chapter and the insurance industry as a whole through a “CPCU Excellence Award”.

• Conduct a “Diversity Month” similar to Ethics Month. Page 999 Colorado Chaptergram

Fact Sheets: Currency & Coins

History of the Lincoln Cent

When the Lincoln one-cent coin made its initial appearance in 1909, it marked a radical de- parture from the accepted styling of United States coins, introducing as it did for the first time a portrait coin in the regular series. A strong feeling had prevailed against using portraits on our coins, but public sentiment stemming from the 100th anniversary celebration of Abraham Lincoln's birth proved stronger than the long-standing prejudice.

The only person invited to participate in the formulation of the new design was Victor David Brenner . President Theodore Roosevelt was so impressed with the talents of this outstanding sculptor that Brenner was singled out by the President for the commission. The like- ness of President Lincoln on the obverse of the coin is an adaptation of a plaque Brenner executed several years earlier which had come to the attention of President Roosevelt.

In addition to the prescribed elements on our coins -- LIBERTY and the date -- the motto In God We Trus t ap- peared for the first time on a coin of this denomination. Of interest also is the fact that the Congress passed the Act of March 3, 1865, authorizing the use of this motto on our coins during Lincoln's tenure in office.

A study of three models for the coin's reverse resulted in the approval of a very simple design bearing two wheatheads in memorial style. Between these, in the center of the coin, are the denomination and UNITED STATES OF AMERICA, while curving around the upper border is the national motto, E Pluribus Unum , which means "One out of Many."

Even though no legislation was required for the new design, approval of the Secretary of the Treasury was necessary to make the change. Franklin MacVeagh gave his approval on July 14, 1909, and not quite three weeks later, on August 2, 1909, the new coin was released to the public.

The original model bore Brenner's name. Before the coins were issued, however, the initials "VDB" were substi- tuted because officials at the United States Mint felt the name was too prominent. After the coin was released, many protested that even the initials were conspicuous and detracted from the design. Because the coin was in great demand, and due to the fact that to make a change would have required halting production, the decision was made to eliminate the initials entirely. They were restored in 1918, and are to be found in minute form on the rim, just under the shoulder of Lincoln.

There are more one-cent coins produced than any other denomination, which makes the Lincoln cent a familiar item. In its life span, this coin has weathered two world conflicts, one of which changed it materially, because metals play a vital part in any war effort.

At the time of World War II, the one-cent coin was composed of 95 percent copper and 5 percent zinc. These metals were denied to the Mint for the duration of the war, making it necessary for the Mint to seek a substitute material. After much deliberation, even including consideration of plastics, zinc-coated steel was chosen as the best in a limited range of suitable materials.

Production of the war-time cent was provided for in an Act of Congress approved on December 18, 1942, which also set as the expiration date of the authority December 31, 1946. Low-grade carbon steel formed the base of these coins, to which a zinc coating .005 inch thick was deposited on each side electrolytically as a rust preven- tative. The same size was maintained, but the weight was reduced from the standard 48 grains to 42 grains, due to the use of a lighter alloy. Production commenced on February 27, 1943, and by December 31, 1943, the three Mint facilities had produced 1,093,838,670 of the one-cent coins. The copper released for the war effort was enough to meet the combined needs of 2 cruisers, 2 destroyers, 1,243 flying for- tresses, 120 field guns and 120 howitzers, or enough for 1.25 million shells for our big field guns.

On January 1, 1944, the Mint was able to adopt a modified alloy, the supply being de- rived from expended shell casing which when melted furnished a composition similar to the original, but with a faint trace of tin. The original weight of 48 grains was also Page 101010 Colorado Chaptergram

(Lincoln Coin, continued from pg. 9)

restored.

On February 12, 1959, a revised reverse design was introduced as part of the 150th anniversary of Lincoln's birth. No formal competition was held. Frank Gasparro , then Assistant Engraver at the Philadelphia Mint , prepared the winning entry, selected from a group of 23 models that the engraving staff at the Mint had been asked to present for consideration. Again, only the approval of the Secretary of the Treasury was necessary to make the change because the design had been in use for more than the required 25 years.

The imposing marble Lincoln Memorial provides the central motif, with the legends E Pluribus Unum and UNITED STATES OF AMERICA completing the design, together with the denomination. The initials "FG" ap- pear on the right, near the shrubbery.

September, 2008 Page 111111

Good Works Project November 19, 2008

Junior Achievement is looking for volunteers to help with JA-in-a-Day at Lasley Ele- mentary, Wednesday, November 19, 2008. Lasley Elementary is located in Lake- wood, CO, near Wadsworth and Mississippi. Last year, Colorado Chapter members Shawn Mitchell, Jon Evans, Cindy Baroway, and Kimberly Hais volunteered at Lasley and had a wonderful time teaching elementary students about Our City, Our Families, Our Community, Our Region, and Our Nation. Please consider being a JA Business Consultant for a day. You will make a big difference in the lives of these students and may make a difference in your own life. The smiles on the students' faces is very rewarding.

If you are interested, please contact Cindy Baroway at [email protected] or Leah Gencheff at [email protected] . For more information on Junior Achievement, visit www.jacolorado.org . Page 121212 Colorado Chaptergram

Anne Schrader & Ron Spicer setting Ron Spicer, Cindy Baroway and President-Elect, Janet Cammack, up the Chapter booth Gayle Hise New Designee, Becky Potts and President, Kay Ward

Jeff Bassett, Jeff Hylen and Ron Ron Spicer, Gayle Hise, Jon Evans, Jon Evans and New Designee, Spicer relaxing in Jon’s suite. Jeff Hylen, Cindy Baroway and Anne Jeff Hylen Schrader

Gayle Hise, her husband Jack and Bus trip to the Casino Grand Prize Winner, Roger Haist, Anne Schrader. Jannet Cammack and Anne Schrader September, 2008 Page 131313

The Colorado Chapter CPCU Society graciously provided me a fellowship to allow me to attend the 2008 conferment held in the City of Brotherly Love, Philadelphia.

The annual meeting kicked off on Friday September 5 th with a meet and greet held by the Colorado Chapter. The Chapter did a wonderful job in organizing the event and making all that attended feel welcome.

Saturday morning was a day for taking in the sites of the city. In a self guided walking tour, I was able to experience the history of the Liberty Bell, Independence Hall and the other historic buildings and documents. Of course, I made time to take in the famous Philly Cheesesteak sandwich.

On Saturday afternoon the society expo opened along with the opening session and conferment ceremony. The ceremony was addressed by Phil Keoghan, from the Amazing Race, who shared his view of living life to the fullest along with sharing his adventures. After the ceremony, a reception was held in the convention center next door.

The conferment ceremony was a memorable experience. I definitely felt the long hours and hard work to obtain my CPCU was recognized. I was only able to attend the conferment this year and look forward to being involved in the annual meeting next year being held in Denver.

Jane Stifter, CPCU

September, 2008 Page 141414

History Brought to Life in Philadelphia

In the city rich in history, we were treated to Doris Kearns Goodwin’s reflections and com- parisons of 3 presidents. She began speaking of her latest book about President Lincoln and added in the presidencies of Dwight D, Eisenhower and Lyndon B. Johnson. I am still in awe of her ability to flow between these 3 men’s lives without pausing or even taking a sip of water.

Ms. Goodwin spoke of the President’s integrity, moral fiber, core leadership goals and val- ues as well as the ability to motivate oneself in the face of adversity. She went on to share Lincoln’s 10 key leadership qualities, and they were as follows: • Resilience – ability to listen to differing points of view. • Ability to Learn on the Job – response to mistakes. • Share credit for success. • Willingness to shoulder blame. • Awareness of your own weaknesses. • Channel emotions in positive ways. If you’re upset, write a letter responding to the situation and set it aside. • Ability to relax and replenish; includes having a sense of humor. • Managing While Walking Around - Lincoln went into the battlefield. • Remain true to your convictions. Ability to communicate goals.

Some of you may have seen a recent article in the Parade written by Doris Kearns Good- win, titled “The Secrets of America’s Great Presidents”. The article contained the above 10 leadership strengths, but restated them saying that “And I am convinced that Ameri- cans should consider the leadership strengths of our most successful Presidents when deciding how to cast their ballots in November. Focusing on the qualities that have made some of our leaders exceptional provides a better perspective on our current candidates than what’s so often reported….”

President Lincoln and President Johnson each chose cabinet members that were quick to disagree with President Johnson saying this about his cabinet, “Better to have your ene- mies in the tent pissing out rather than outside the tent pissing in”.

After that particular Johnson quote, there isn’t much more to say other than I hope our 2009 Annual Meeting is able to provide some of the same quality speakers as we saw in Philadelphia. What a trip and convention!

Gayle L. Hise, CPCU Page 151515 Colorado Chaptergram

Governor’s Report Colorado 2008

Hello everyone,

I would like to thank you for electing me to be your Western Region Governor. The outgoing governor, Lynn Davenport, was instrumental in my decision to place my name in consideration for this position and I would like to publicly thank her for her support and guidance. I hope that during my term I can be of service to your chapter and your chapter members.

Since receiving my designation in 1998, I have attended seven of the CPCU Society's Annual Meeting and Seminars and many more Leadership Summits (mid-year meetings). I'd like to share with you some of what I picked up at this year's event in Phila- delphia.

One of the speakers was Doris Kearns Goodwin, the 1995 Pultizer Prize winner in His- tory for "No Ordinary Time: Franklin and Eleanor Roosevelt: The Home Front in World War II." Her presentation was on her most recent book, "Team of Rivals: The Political Genius of Abraham Lincoln." As you'll see from Gayle Hise's History Brought to Life in Philadelphia , Ms. Kearns Goodwin was mesmerizing in her story-telling and elo- quence. Just as important as her delivery was the substance of her material. The hardships that President Lincoln faced throughout his life and especially during his presidency might have taken down a better man. Gayle provided you with the 10 Leadership points that Ms. Kearns Goodwin summarized from President Lincoln's leg- acy. Each of those can be applied to your life, your pursuit of lifelong learning, and your career.

Another speaker at the meeting was a young man who was a refugee from Africa. In a few short years after arriving in America, he went from working as a shoe shine boy to obtaining his agent's license, his CPCU, and is now working towards his bachelor's degree. He never let anyone tell him that he could not do something, even though a few along the way told him it would take years to accomplish something, such as be- coming a CPCU. He proved them all wrong. He did not allow his personal circum- stances, nor perceived handicaps, to stop his pursuit of making a better live for him- self, all the while concerned about his family members back in Africa.

Besides the two speakers, I also met a young woman, mother of two, who completed her designation in 5 months. Theresa Young, a Pikes Peak Chapter member, is this remarkable woman who believes in education and bettering herself. She already has a bachelor's degree, other insurance designations, and is working on her graduate degree. Additionally, she has volunteered to teach classes for the Colorado Chapter of CPCU Insurance Education Program.

I gathered all of this while in Philadelphia from September 6 through the 9th. If you have not had a chance to attend an AM&S since your conferment, I would highly rec- ommend considering one in the future. The speakers Continued on Pg. 16 are always high caliber individuals with compelling September, 2008 Page 16 stories and insight. The attendees run the gamut from new designees to 40+ year insurance industry veterans. In fact, a 93-year-old CPCU won one of the general session prizes!

The Society is your alumni association. Your input, your attendance, and your volunteering comprise the Society and the events hosted by the Society. You thought enough to pursue your CPCU designation. I would like to encourage you all to pursue volunteer opportunities within your Chapter and at the national level. Hearing compelling stories, meeting new friends, and developing your leadership skills will impact you professionally and personally. To apply for national service, go to: http://www.cpcusociety.org/page/49464/ and complete the Application for CPCU Society Service. You may want to serve on a task force--for a shorter project, or a longer term on a committee, or apply for a governor position.

I look forward to my new role as a Society Governor and hope you'll join me on this jour- ney.

Thank you.

Cindy Baroway, CPCU, AIC, M.Ed

Technical Workshop, June 11, 2008 at the NFU Page 171717 Colorado Chaptergram

COLORADO Chapter to hold FALL TECHNICAL WORKSHOP November 5 th The Colorado Chapter is pleased to announce a fall technical workshop to be held on Wednesday, November 5 th at Farmers Union offices in the Denver Tech Center. Two ½ day workshops will be offered: Certificates of Insurance: What's the Big Deal Workshop: 8:30 a.m.– 12:05 p.m. This workshop will discuss the purpose of certificates of insurance and other forms of evidence of insurance used by agent/brokers. The workshop will review the major causes of risk exposures to agents and brokers when using these forms incorrectly. It is designed with agents and brokers in mind.

Business Interruption Can Be Deadly Workshop: 1–4:35 p.m. This workshop will discuss what Business Interruption Insurance (BI) is all about and how the insurance professional can utilize this knowledge with their clients. The workshop will review the risk exposures creating these coverage issues, the type of client that might have these risk exposures, standard coverages for these exposures, endorsements that will create better coverages for these exposures. It is appropriate for all insurance professionals. Mary King Barbieri, CPCU, and a recent past Governor for the CPCU society, will be the instructor for both of these sessions. Continued education credits have been requested. CPCU continuing education programs are designed for insurance industry professionals looking to expand their knowledge and advance their careers. For more information or online registration, please go to the Chap- ter website. http://colorado.cpcusociety.org/

- complete your qualifying activity - go to http://www.cpcusociety.org/page/73867/ - review points for your activity - post your activity in the application section - submit - it's that easy DON'T WAIT - EDUCATE Page 181818 Colorado Chaptergram September, 2008 Page 191919

Your Donation is Doubled!

Colorado CPCU members are very generous! The Colorado Chapter of CPCU has donated over $2300 to charity in the last year.

Did you know? The Colorado Chapter of CPCU matches your donation to the charity of the month. At each monthly meeting, the chapter selects a “spotlight ” charity of the month and passes the basket for donations to that charity. Once the basket is filled, the chapter sends the member donations, along with a chapter check for the same amount, to the selected charity. By giving $1, you are giving $2 to the charity.

In the last year, we helped organizations serving the needs of those in the Denver metro area with childhood cancer, catastrophic spinal injuries, mental health issues, and more, by giving to Centennial Peaks, Morgan Adams Foundation, The Gathering Place, The Ameri- can Red Cross, The Spinal Cord Society, Canine Companions and Jeffco Action Center.

Your favorite charity can join this list. Just let us know which charity is close to your heart, and we will consider it for a spotlight charity in coming months. And thank you for your kindness & generosity!

A insurance sales rep, an administration clerk and their manager are walking to lunch when they find an antique oil lamp.

They rub it and a genie comes out in a puff of smoke. The Genie says, "I usually only grant three wishes, so I´ll give each of you just one."

"Me first! Me first!" says the admin clerk. "I want to be in the Bahamas, driving a speedboat, without a care in the world." Poof! She´s gone.

In astonishment, "Me next! Me next!" says the sales rep. "I want to be in Hawaii, relaxing on the beach with my personal masseuse, an endless supply of Pina Coladas and the love of my life." Poof! He´s gone.

"OK, you´re up," the Genie says to the manager.

The manager says, "I want those two back in the office after lunch."

Moral of story: always let your boss have the first say. September, 2008 Page 202020

As you are all aware, we “Pass the Hat for Charity” during our monthly meetings. Each month we choose a different charity.

If you have a Charity you would like to suggest, please email your suggestions to: [email protected]

Until Next time…… Colorado Chapter of CPCU

Ta ta for now…… See ya in….

Need CPCU information, but no computer handy, you can now obtain recorded information, or RSVP to our monthly luncheon at 303-271-3572.