Copyrights & Reprints

The RMA Journal (ISSN 1531-0558) is published monthly (except August and January) by The Risk Management Association, 1801 Market Street, Suite 300, Philadelphia, PA, 19103, 215-446-4000. Periodicals postage is paid at Philadelphia, PA, and at additional mailing offices. Postmaster: Send address changes to The Risk Management Association, 1801 Market Street, Suite 300, Philadelphia, PA, 19103. Copyright 2011 by RMA. The Risk Management Association (“RMA”). All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording or by any information storage and retrieval system, without the prior written permission of RMA. This publication is designed to provide accurate and authoritative information concerning the subject matter covered, but is not to be construed as rendering legal, accounting, or other professional advice.