Dear Clients and Friends: There have been several changes in Insurance Rules and Regulations recently and one of these changes are the new forms for Excess and Surplus Lines coverage. It appears that clients now have the ability to choose a broader base of policies and possibily save some money. This comes with responsibility of fully understanding the policy. Call us now for a good explanation and the possibilty of saving some money. Ron Silverman 386 860 0001 X7