Insurance news

CIGNA Behavioral Health Gives Employers Flexible and Customized Network Options

2005-09-13T08:46:00.000-07:00

CIGNA Behavioral Health Gives Employers Flexible and Customized Network Options

EDEN PRAIRIE, Minn., Sept. 13, 2005 /PRNewswire/ -- CIGNA Behavioral Health (CBH) today announced that it is introducing Custom Network Solutions, a new network design option that gives employers the ability to select from four different network options to meet the specific needs of their employees. Employers can use CBH providers exclusively, choose to use their own network with CBH management or design a network that includes both CBH and the employers' contracted providers.

"We recognize that employers have varied behavioral care needs," states Keith Dixon, Ph.D., president and chief executive officer of CBH. "Our Custom Network Solutions enables employers to create the benefit design plan that works best for their employees, reducing costs without limiting member choice. And, regardless of the option selected, employers are assured that the network is managed to the highest standards of quality and efficiency using evidence- based treatment protocols."

Custom Network Solutions is comprised of four basic network options. CBH Exclusive is the standard network design that gives employees access only to the expansive national CBH provider network. The Customer Exclusive option enables employers to exclusively use their own providers with CBH as the care manager, giving these providers access to CBH clinical and administrative tools.

Customer Plus and Customer Plus 100 plans allow for integration of an existing network with a segment or all of CBH's network. To further enhance flexibility, the CBH Exclusive and Customer Plus options also allow employers to choose providers based on geography or specialty, such as employee assistance programs affiliates, substance abuse professionals, critical incident response providers, and hospital or professional providers.

The network design options feature seamless administration and high-touch, high-tech tools that provide members with information and appropriate care management to ensure appropriate use of the network and maintain quality. CBH also ensures that providers on contracted networks meet National Committee on Quality Assurance standards.

Custom Network Solution benefit plan designs are available for CBH behavioral care plans taking effect January 1, 2006.

CIGNA Behavioral Health (CBH) provides behavioral care benefit management, EAPs, and work/life programs to consumers through health plans offered by large U.S. employers, national and regional HMOs, Taft-Hartley trusts and disability insurers. CBH, with headquarters in Eden Prairie, Minn., operates five care management centers around the U.S. in support of a national network of more than 47,000 independent psychiatrists, psychologists and clinical social workers and more than 4,000 facilities and clinics. For more information, visit http://www.cignabehavioral.com/.

Source: CIGNA Behavioral Health

Contact: Gwyn Dilday, CIGNA Behavioral Health, +1-818-500-6370,
gwyn.dilday@cigna.com

Web site: http://www.cignabehavioral.com/

Company News On-Call: http://www.prnewswire.com/comp/165050.html

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Profile: insurance

CPSC Warns of New Dangers Among Gulf Coast Victims of Hurricane Katrina From Deadly CO Poisonings

2005-09-13T08:43:00.000-07:00

CPSC Warns of New Dangers Among Gulf Coast Victims of Hurricane Katrina From Deadly CO Poisonings

Offers Important New Safety Tips for Residents Able to Return Home After Hurricane

WASHINGTON, Sept. 13 /PRNewswire/ -- With a sharp increase in the number of carbon monoxide related deaths among Gulf Coast residents stemming from the unsafe use of outdoor portable generators in the aftermath of Hurricane Katrina, the U.S. Consumer Product Safety Commission (CPSC) today announced a major new initiative urging hurricane victims to avoid a potentially fatal situation by never using these generators indoors.

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO)

Unofficial estimates indicate at least 11 deaths and numerous injuries have been attributed to carbon monoxide poisoning stemming from portable generators used in areas with power outages. The CPSC is coordinating with the CDC and other health and safety organizations, as well as our nation's largest home improvement and hardware retailers, to provide life-saving safety warnings to Gulf Coast residents - many of whom are expected to be first time users of generators.

"As federal, state and local officials continue their important relief mission in the aftermath of Hurricane Katrina, thousands of families are fortunately beginning the process of returning to their homes," said CPSC Chairman Hal Stratton. "So we're reminding all Gulf Coast residents that some of the biggest dangers lie in the aftermath of the hurricane, the greatest of which can be carbon monoxide poisoning."

Stratton provided hurricane survivors with these important life-saving tips:

- Never use a portable generator indoors - including garages, basements,
crawlspaces and sheds. Opening doors and windows or using fans will
not prevent CO buildup in the home.
- During use, keep portable generators outdoors and far away from open
doors, windows and vents, which can allow CO to build up indoors.
- If you start to feel sick, dizzy or weak while using a generator, get
to fresh air right away. The CO from generators can readily lead to
full incapacitation and death.
- Keep generators dry and wait for the rain to pass before using a
generator. Consumer-grade generators are not weatherproof and can pose
the risk of electrocution and shock when used in wet conditions.
- Do not connect the generator directly into your home's electrical
system through a receptacle outlet - this is an extremely dangerous
practice that poses a fire hazard and an electrocution hazard to
utility workers and neighbors served by the same transformer.
- If using a generator, plug individual appliances into heavy duty,
outdoor-rated extension cords and plug cords into the generator.
- Check that the extension cords have a wire gauge adequate for the
appliance loads and have all three prongs, including a grounding pin.
- Keep charcoal grills outside. Never use them indoors. Burning charcoal
in an enclosed space can produce lethal levels of carbon monoxide
poisoning.
- Check to make sure your smoke alarms and carbon monoxide alarms have
batteries and are working.

Wet Carpets and Furniture Are Dangerous to your Health
- Discard water-damaged mattresses, wicker furniture, straw baskets and
the like that have been water damaged. These cannot be recovered.
- Throw out wet room-size carpets, drapes, upholstered furniture,
stuffed toys, ceiling tiles and anything that can't be picked up and
cleaned by dry cleaning, steam cleaning or put in a washing machine or
dryer.
- Remove and replace wet insulation.
- Microorganisms may grow in these water-damaged products and may cause
allergic reactions and infections. For more information, go to
http://www.cpsc.gov/CPSCPUB/PUBS/425.html

Avoid Electrical and Gas Hazards
- Look for signs that your appliances have gotten wet. Discard
electrical or gas appliances that have been wet because they pose
electric shock and fire hazards.
- Before using your appliances, have a professional or your gas or
electric company evaluate your home and replace all gas control
valves, circuit breakers, and fuses that have been under water.

Dangers to Children
- Medicines and chemicals should be thrown away. Water may have infected
the integrity of the medicine. The U.S. Department of Health and Human
Services offers additional safety tips. For more information, go to
http://www.hhs.gov/news/broadcast/2005/CrawfordMedicationSafety.html
- Young children and water don't mix. Watch children around buckets,
tubs and standing water in and around the home. Even small amounts of
water can be a drowning hazard.

Video Alert
Satellite Coordinates (C-Band) and Times: All times Eastern
Date: September 13, 2005 September 13, 2005
Time: 10:30-11:00 AM ET 2:00-2:30 PM ET
C-Band: IA 5, Transponder 13 IA 5, Transponder 13
Downlink: 3960V MHz 3960V MHz
Audio: 6.2 & 6.8 6.2 & 6.8

This feed is sponsored by CPSC and is for your free and unrestricted use. For problems with the satellite feed please call master control during feed at 212-684-8910, x221

The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under the agency's jurisdiction. Deaths, injuries and property damage from consumer product incidents cost the nation more than $700 billion annually. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard or can injure children. The CPSC's work to ensure the safety of consumer products - such as toys, cribs, power tools, cigarette lighters, and household chemicals - contributed significantly to the 30 percent decline in the rate of deaths and injuries associated with consumer products over the past 30 years.

To report a dangerous product or a product-related injury, call CPSC's hotline at (800) 638-2772 or CPSC's teletypewriter at (800) 638-8270 or visit CPSC's Web site at http://www.cpsc.gov/talk.html. Consumers can obtain this release and recall information at CPSC's Web site at http://www.cpsc.gov/.

Photo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

CONTACT: Patty Davis of U.S. Consumer Product Safety Commission,
+1-301-504-7601

Web site: http://www.cpsc.gov/

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Profile: insurance

Collectors Universe and Topps Team Up to Offer Authenticated Single Signed Baseballs

2005-09-13T08:39:00.000-07:00

Collectors Universe and Topps Team Up to Offer Authenticated Single Signed Baseballs

NEWPORT BEACH, Calif., Sept. 13 /PRNewswire-FirstCall/ -- Collectors Universe, Inc. (NASDAQ:CLCT), a leading provider of value-added authentication and grading services to dealers and collectors of high-value collectibles, announced today its agreement with The Topps Company, Inc. (NYSE:TOPP) to authenticate single signed baseballs through a Collectors Universe division PSA/DNA Authentication Services, or PSA/DNA. The PSA/DNA authenticated baseballs will be distributed and sold by Topps through Sam's Clubs around the United States.

PSA President Joe Orlando commented, "We are quite pleased that Topps, our long time friends in the sports card market, have expanded their offerings to include autographed items authenticated by PSA/DNA. We believe Topps has entered a market with an excellent product with PSA/DNA authenticated single signed baseballs and we believe that we can continue to grow this relationship with other PSA/DNA authenticated products."

"Genuine and authentic autographed sports merchandise is a product line that can satisfy huge demand by collectors and sports fans," stated Michael Haynes, Chief Executive Officer of Collectors Universe. "Topps, one of the largest distributors of sports collectibles, recognizes this demand for different, unique and personalized items, and the need for the consumer confidence provided by authenticity services from PSA/DNA. This co-branded offering brings together two superb sports brands in Topps and PSA/DNA to address what we believe is a very large market that up until now could only be satisfied with look-alike logo apparel."

About Collectors Universe

Collectors Universe, Inc. is a leading provider of value added services to the high-end collectibles market. The Company authenticates and grades collectible coins, sports cards, autographs and stamps. The Company also compiles and publishes authoritative information about United States and world coins, collectible sports cards and sports memorabilia and collectible stamps. This information is accessible to collectors and dealers at the Company's web site, www.collectors.com, and is also published in print.

Forward Looking Information

This news release contains statements regarding our expectations about our future financial performance which are "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of words such as "believe," "expect," "anticipate," "intend," "plan," "estimate," "project," or future or conditional verbs such as "will," "would," "should," "could," or "may."

Our financial performance in the future may differ, possibly materially, from our current expectations as set forth in this news release due to a number of risks and uncertainties. Those risks and uncertainties include, but are not limited to: the possibility of changes in general economic conditions or conditions in the collectibles markets, such as a possible decline in the popularity of some high-value collectibles, which could result in reductions in the volume of authentication and grading submissions and, therefore, the fees we are able to generate; a lack of diversity in our sources of revenues and our dependence on coin authentication and grading for a significant percentage of our total revenues, which makes us more vulnerable to adverse changes in economic and market conditions, including declines in the value of precious metals or recessionary conditions, that could lead to reduced coin and other collectibles submissions, with a resultant reduction in our revenues and in our income; our dependence on certain key executives and collectibles experts, the loss of the services of any of which could adversely affect our ability to obtain authentication and grading submissions and, therefore, could harm our operating results; increased competition from other collectibles services companies that could result in reductions in collectibles submissions to us or could require us to reduce the prices we charge for our services; the risk that we will incur unanticipated liabilities under our authentication and grading warranties that would increase our operating expenses; the risk that new service offerings and business initiatives that we may undertake will not gain market acceptance or will increase our operating expenses or reduce our overall profitability or cause us to incur losses; the risk that our strategy to exit the collectibles sales business and focus substantially all of our resources on our authentication and grading businesses will not be successful in enabling us to improve our profitability over the longer term or to grow our existing businesses or expand into new collectibles or high value asset markets; and. if we grow our business by acquiring any existing or commencing any new authentication and grading businesses, the risks that we will be unable to successfully integrate those businesses into our operations, that those businesses will not gain market acceptance; and that business expansion may result in a costly diversion of management time and resources and increase our operating expenses. Additional information regarding these and other risks and uncertainties to which our business is subject is contained in our Prospectus dated February 16, 2005 as filed with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act of 1933, as amended.

Due to the above-described risks and uncertainties and those described in that Prospectus, readers are cautioned not to place undue reliance on the forward-looking statements contained in this news release, which speak only as of its date, or to make predictions about future performance based solely on historical financial performance. We also disclaim any obligation to update forward-looking statements contained in this news release. Contacts:

Mike Lewis Brandi Piacente
Chief Financial Officer Investor Relations
Collectors Universe The Piacente Group, Inc.
949-567-1375 212-481-2050
Email: mlewis@collectors.com Email: brandi@thepiacentegroup.com

Source: Collectors Universe, Inc.

CONTACT: Mike Lewis, Chief Financial Officer of Collectors Universe,
Inc., +1-949-567-1375, mlewis@collectors.com; or Investor Relations, Brandi
Piacente of The Piacente Group, Inc., +1-212-481-2050,
brandi@thepiacentegroup.com, for Collectors Universe, Inc.

Web site: http://www.collectors.com/

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Profile: insurance

CPSC, Capresso Inc. Announce Recall of Water Kettles

2005-09-13T08:22:00.000-07:00

CPSC, Capresso Inc. Announce Recall of Water Kettles

WASHINGTON, Sept. 13 /PRNewswire/ -- The U.S. Consumer Product Safety Commission, in cooperation with the firm named below, today announced a voluntary recall of the following consumer product. Consumers should stop using recalled products immediately unless otherwise instructed. (To access color photos of the following recalled products, see CPSC's Web site at www.cpsc.gov.)

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO )

Name of product: Capresso Water Kettles

Units: About 15,000

Manufacturer: Capresso Inc., of Closter, N.J.

Hazard: The handle can detach from the glass carafe, spilling hot water
and causing severe burn injuries.

Incidents/Injuries: Capresso has received five reports of the handle
detaching from the carafe, including one incident that resulted in a minor
burn from contact with boiling water.

Description: The recalled model "H20 Classic," Cordless Water Kettle has
two parts - a black heating base and a glass kettle with a polished chrome
or a silver handle. Printed in script on the base of the kettle is
"Capresso" and engraved on the bottom of the kettle is "CAPRESSO INC.,
Kettle Models 257.01, 258.03, 258.04 for use with Kettle Base Model
256/258."

Manufactured in: China

Sold at: Specialty kitchen stores nationwide, mail order gourmet catalogs,
Capresso.com and other Web site retailers such as Amazon.com between
August 2004 and May 2005 for about $70.

Remedy: Consumers should stop using the water kettle immediately and
contact Capresso for a free replacement kettle.

Consumer Contact: Call Capresso at (800) 767-3554 between 8 a.m. and
9 p.m. ET Monday through Friday.

The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under the agency's jurisdiction. Deaths, injuries and property damage from consumer product incidents cost the nation more than $700 billion annually. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard. The CPSC's work to ensure the safety of consumer products - such as toys, cribs, power tools, cigarette lighters, and household chemicals - contributed significantly to the 30 percent decline in the rate of deaths and injuries associated with consumer products over the past 30 years.

To report a dangerous product or a product-related injury, call CPSC's hotline at (800) 638-2772 or CPSC's teletypewriter at (800) 638-8270 or visit CPSC's Web site at www.cpsc.gov/talk.html. Consumers can obtain this release and recall information at CPSC's Web site at www.cpsc.gov.

Firm's Hotline: (800) 767-3554

CPSC Hotline: (800) 638-2772

Photo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

CONTACT: CPSC Media Contact, +1-301-504-7908

Web site: http://www.cpsc.gov/
http://www.capresso.com/

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Profile: insurance

Canadian Online Pharmacies a Safety-Net for Medicare Prescription Gaps

2005-09-13T08:14:00.000-07:00

Canadian Online Pharmacies a Safety-Net for Medicare Prescription Gaps

Licensed Canadian Pharmacies may prove to be a vital lifeline for U.S. seniors that face inadequate coverage under the new Medicare prescription drug program starting in 2006. Canada's online pharmacy expert goes on tour in the U.S. to speak to seniors about their options and help them make informed decisions.

VANCOUVER, British Columbia, Sept. 13 /PRNewswire/ -- Medicare's new Prescription Drug coverage (Part D) begins in 2006 and American seniors are struggling to assess and understand the complexity of the program and what it means for them. Even professional caregivers find themselves confused and concerned about the gaps in coverage and the high cost of premiums and deductibles. But of particular concern is the now infamous "donut hole" between the initial and catastrophic coverage, where patients must pay for 100% of their prescription costs.

As well, seniors must carefully select a plan that meets their own prescription needs. Each plan can vary in terms of actual drug coverage and cost of premiums. Many seniors fear large annual hikes in the premiums after enrollment and possible reduction of other Medicare benefits. But their greatest concern -- plans that do not cover the drugs they take or arbitrary shifts in coverage at the whim of the drug companies. Even with coverage the overall savings may be marginal for some.

Although the new Medicare drug coverage will benefit some patients, there will likely be many that will slip through the cracks or receive only partial coverage.

One way to mitigate Medicare shortfalls is to order prescriptions by mail from Canada. For 5 years, American patients have saved between 30 - 70% on drugs dispensed by licensed Canadian pharmacies and enjoy the convenience of having their medications shipped to their doorstep. Analysis shows that purchasing from a Canadian pharmacy may be an ideal way to shore up the gaps in any prescription coverage including Medicare.

The former executive director of the Canadian International Pharmacy Association, David MacKay, will be touring U.S. communities speaking to seniors, caregivers and advocacy groups about a range of solutions that includes undistorted facts about Canadian pharmacy services. The tour is sponsored by CanadaWayDrugs (www.canadawaydrugs.com), a reputable pharmacy licensed in the province of British Columbia.

MacKay emphasizes that "we don't intend to present the Canadian option as opposition to Medicare but rather as a compliment to it. The needs of each patient are different but the golden rule is that when you are faced with paying for a drug entirely out-of-pocket, Canada is an ideal solution. Therefore, the overall wisest strategy may be to take advantage of both programs."

MacKay says he intends to address the concerns about the new Medicare coverage by demonstrating how savings from Canada can buffer seniors against the program's shortfalls and coverage gaps. "I have talked to thousands of seniors and caregivers and they are confused and dismayed. We plan to show them a balanced menu of solutions to help them make smart choices."

A helpful tool that automatically calculates Medicare drug expenses can be found on the AARP website at http://sites.stockpoint.com/AARP/drugbenefit.asp or soon at www.canadawaydrugs.com

If your group or organization would like to schedule a presentation by David MacKay please call CanadaWayDrugs toll free at 1-877-507-3061 or e-mail dave@canadawaydrugs.com.

www.CanadaWayDrugs.com is a licensed Canadian pharmacy located in Vancouver, British Columbia that has been servicing American patients safely for 5 years.

Media Contact:
David MacKay
Ph. (407) 276-7197
dave@canadawaydrugs.com

This press release distributed by PRWEB (http://www.prwebdirect.com/ ), a service of eMediaWire.

Source: CanadaWayDrugs

CONTACT: David MacKay of CanadaWayDrugs, +1-407-276-7197, or
dave@canadawaydrugs.com

Web site: http://www.canadawaydrugs.com/

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Profile: insurance

PXRE to Present at Fox-Pitt, Kelton's 2005 Bermuda in Boston Conference

2005-09-13T08:09:00.000-07:00

PXRE to Present at Fox-Pitt, Kelton's 2005 Bermuda in Boston Conference

HAMILTON, Bermuda, Sept. 13 /PRNewswire-FirstCall/ -- PXRE Group Ltd. (NYSE:PXT) announced today that Jeffrey L. Radke, President & Chief Executive Officer of PXRE Group, and John Modin, Executive Vice President and Chief Financial Officer of PXRE Group, will speak at Fox-Pitt, Kelton's 2005 Bermuda in Boston Conference on Tuesday, September 20th, 2005 at 11:30 a.m. ET.

The presentation will be webcast and may be accessed at www.PXRE.com.

PXRE - with operations in Bermuda, Europe and the United States - provides reinsurance products and services to a worldwide marketplace. The Company's primary focus is providing property catastrophe reinsurance and retrocessional coverage. The Company also provides marine, aviation and aerospace products and services. The Company's shares trade on the New York Stock Exchange under the symbol "PXT."

Source: PXRE Group Ltd.

CONTACT: John Modin, Chief Financial Officer PXRE Group Ltd., +441-296-
5858, john.modin@pxre.com; Investors - Jamie Tully of Citigate Sard Verbinnen,
+1-212-687-8080 ext. 236 jtully@sardverb.com

Web site: http://www.pxre.com/

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Profile: insurance

/C O R R E C T I O N -- Socrates/

2005-09-13T07:55:00.000-07:00

/C O R R E C T I O N -- Socrates/

Editors are advised that the news release, Greek Thought Leader Shares Post-Labor Day Wisdom on the Anatomy of a 'DIY'er, should be replaced with the version below, rather than the release incorrectly transmitted by PR Newswire.

National Survey by 'Greek Thought Leader' Shows DIY Moving Out of Hardware Aisles and Into Workplace

CHICAGO, Sept. 13 /PRNewswire/ -- Self-reliance is moving away from hardware stores and into people's professional routines, according to a national sampling survey from Socrates ( http://www.socrates.com/ ).

The Chicago-based company recently polled more than 1,000 Americans on activities they would do without outside professional help. The survey confirmed that the DIY lifestyle trend extends beyond pipes and drains; it's impacting businesses owners, operations and media usage.

Socrates is the leading brand of needed know-how solutions for individuals and small businesses. The company's content helps consumers solve everyday legal, finance and business management matters themselves.

"This survey shows how far self-reliance has come," said Socrates Consumer Marketing Director Michael Kahn. "Technology has changed how we view resources and do things on our own."

The Rise of DIY & the "Reality TV Effect"

Consumers are taking control of everything-from the way they shop and manage real estate to operating a business. The DIY lifestyle is indicative of how people use outside resources. Consider the following:

-- In terms of shopping habits, 93.5% of respondents preferred searching
online to learn more about products and services they plan to purchase
-- higher than asking a friend or family member or reading material
from articles and catalogs.
-- When searching the Internet for information on products and services
they plan to purchase, 94% use a general search engine versus the
specific Web site. One conclusion is that consumers want to do their
own research to ensure all views are presented. They might not trust
information directly from the product's site.

While Americans are more willing to fix a plumbing problem (54.6%) than climb a mountain (15.8%), more than half of all survey respondents (54.9%) would start a business on their own. 57.7% of those surveyed said they would lease or rent property, and 49.3% said they would complete a contract negotiation without professional help.

"The fast-paced transfer of knowledge allows more people to see what options are available in the business world - options beyond the norm," Kahn said. "Reality and informational shows on mainstream and cable channels, alike, have given Americans the needed lift to attain their dreams. This newfound knowledge is helping to boost consumer confidence in DIY projects, concurrently supporting the growth of small businesses."

Kahn cited that cable television is the preferred news media outlet for 25.5% of the survey's respondents, while DIY-supporting retailers such as Wal- Mart, Office Depot, Lowe's, Staples, and Home Depot topped the list of stores most often visited in the past six months.

"Everyday people now have motivation to leave their prior existence behind in order to start a new life with personal gratification and meaning," Kahn said. "Business products and services need to be conscience of this societal trend to ensure their products are meeting new needs."

The Anatomy of a Small Business Owner

Being your own boss allows the business freedom that we all crave, but what are small business owners really doing during the day? Socrates' small business time clock details a day in the life of the typical small business owner. Among those duties:

-- Information gathering. 28.4% of small business owners listen to the
radio 4-8 hours a day. This could also be interpreted as multi-tasking
-- absorbing information while working.
-- Net surfing. Most entrepreneurs are Internet-savvy, but may not be
using lightning fast connections for better work productivity (72.7 %
were connected to the internet through Broadband and spent 4-8 hours
surfing the net for unrelated work research).
-- Keeping the ship afloat. Many small business owners do it all --
payroll, accounting, managing employees, collecting debts, AND holding
responsibility for the company's products or services. Socrates
suggests small business owners learn about the DIY legal options
available for small businesses either through its array of products or
through other sources.
-- Seeking a key shipmate. When asked what one source of information or
entertainment they would have if marooned on a deserted island, more
than half of small business owners said their computer with a wireless
Internet connection. Only one said "wife."

"Society is redefining the role of consultants and the self-employed; they're not just sitting behind the desk," said Kahn. Many small business owners chart their own course with a desire to seek life change. Each new business expedition encounters stress and anxiety, but those squalls can be diverted with concise planning and support materials."

He concluded, "Small business owners should focus more on performance, not process. Socrates materials are designed with the independent philosophy in mind. They can assist in charting a more streamlined course toward business success."

Source: Socrates

CONTACT: Michael Shmarak for Socrates, +1-312-587-7677

Web site: http://www.socrates.com/

NOTE TO EDITORS: Kahn available for interviews; full results of the survey available.

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Profile: insurance

Survey Finds Panhandle Homeowners Want Wind-Borne Debris Protection

2005-09-13T07:38:00.000-07:00

Survey Finds Panhandle Homeowners Want Wind-Borne Debris Protection

TAMPA, Fla., Sept. 13 /PRNewswire/ -- A large majority of homeowners in the Florida Panhandle, where a special exemption to the state's building code allows homes to be built without wind-borne debris protection, say they want the same construction standards afforded other residents in similarly exposed areas of the state, according to a new survey.

The current Florida Building Code allows wind-borne debris regions from Franklin County westward through Escambia County to be limited to just one mile from the coast even though the regions would be between five and 20 miles inland under pure implementation of ASCE 7-98, the American Society of Civil Engineers' standard currently used in the code to determine wind-borne debris regions statewide.

The survey, sponsored by the Institute for Business & Home Safety (IBHS), polled homeowners in the exempted area and found:

* 72% want the state to require home builders in the Florida Panhandle to construct homes with wind-borne debris protection (hurricane shutters, screens, panels or impact-resistant windows and doors).

* 74% thought the Panhandle either had the same code as other Florida coastal areas or did not know there was a difference.

* Once survey respondents were told the building code did not require wind-borne debris protection inland of the one-mile carve-out area, 64% said the Panhandle requirements should be uniform with other coastal areas.

IBHS engineers who surveyed damage after Hurricane Charley last year say protecting a home's windows and doors from wind-borne debris is the best way to reduce the risk of significant damage. When Charley's local gust wind speeds ranged between 112-134 m.p.h., they found one-third of buildings without window protection suffered at least one broken window, allowing wind and water to enter. The increased internal pressures can double the loads on structural connections, and water can damage the building's interior.

According to IBHS Vice President of Engineering Tim Reinhold, Ph.D., P.E., "Nearly every case I have witnessed where an entire roof was blown off a house also involved failure of a window on the windward face of the building."

The telephone survey, conducted September 8-11, 2005 by Lawrence Research, a national research firm, polled 600 Florida single-family homeowners in the exempted area of the Panhandle.

IBHS will release the survey results today at the Florida Panhandle Wind- borne Debris Region Workshop held by the Florida Building Commission.

The 2005 Florida Legislature debated whether to revise the definition of the wind-borne debris region for the Panhandle and determined further study was warranted. It directed the Commission to review wind-borne debris damage caused by Hurricane Ivan, and in consultation with building officials from the impacted areas, develop a recommendation for consideration by the 2006 Legislature.

For more information on the survey as well as home and business protection resources, visit the IBHS web site http://www.disastersafety.org/ .

IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

Source: Institute for Business & Home Safety

CONTACT: Wendy Rose, Institute for Business & Home Safety,
+1-813-675-1045, or +1-813-486-8365, or wrose@ibhs.org

Web site: http://www.disastersafety.org/
http://www.ibhs.org/

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Profile: insurance

LOMA Announces 2005 Education Award Winners

2005-09-13T07:35:00.000-07:00

LOMA Announces 2005 Education Award Winners

ATLANTA, Sept. 13 /PRNewswire/ -- LOMA is pleased to announce the 2005 Educational Achievement, Excellence in Education and Educational Quality award winners. This year's winners represent a diverse group of insurance and financial services companies dedicated to employee education and professional development.

The Educational Achievement Awards recognize the top 15 LOMA member companies on individual, regional and global levels with the greatest involvement and participation in LOMA's professional learning programs based on their total number of exam enrollments during the previous calendar year. The winners represent a broad spectrum of companies in terms of size, location and the markets they serve, but all have established a corporate culture that encourages employee involvement in industry education and recognizes employees for their individual learning initiatives.

This year, LOMA has expanded the Educational Achievement Award at the recommendation of LOMA's Education and Training Council by adding to its individual company category two new categories: the regional and global company levels.

The 2005 Excellence in Education Awards, presented to 68 out of 1,200 LOMA member companies worldwide, recognize companies for their outstanding participation and performance in LOMA's professional learning programs, and continued growth in exam enrollments. With LOMA education programs now being offered in seven languages-English, Bahasa Indonesia, Chinese, Korean, French, Spanish, and Portuguese-the competition for these awards is fiercer than ever.

"The Education Award winners understand the importance of employee education in today's competitive market, and they realize that professional development is crucial to both an employee's success and an organization's bottom line," said Thomas P. Donaldson, FLMI, CLU, president and CEO of LOMA. "This is an exciting opportunity for us all to celebrate the industry's dedication to lifelong learning and professional development."

Special recognition goes to New York Life Insurance Company, United States, and American International Assurance, Hong Kong, for being the first 11-year winners of the Educational Achievement Award; and to PHILAM Life, Philippines, for being the first 11-year winner of the Excellence in Education Award.

The Educational Quality Award recognizes member companies with exemplary employee professional development programs. This year, LOMA proudly presents this award for the second time to Modern Woodmen of America, Rock Island, IL, a member company where 40 percent of its employees are FLMIs.

For a complete list of this year's educational award winners, visit the LOMA Web site, http://www.loma.org/EdAwards.asp.

Ceremonies for the award winners will be held during the LOMA 2005 Annual Conference & Conferment at the Hilton in the Walt Disney World(R) Resort in Lake Buena Vista, Fla, Sept. 18-20, http://www.loma.org/annualconference.asp.

About LOMA

Established in 1924, with 1,200 plus member companies in over 80 countries, LOMA is committed to a business partnership with its world-wide members in the insurance and financial services industry to improve their management and operations through quality employee development, research, information sharing, and related products and services. For more information, visit http://www.loma.org/.

Source: LOMA

CONTACT: Svy Nekrasas, Marketing Director of LOMA, +1-770-984-3709, or
fax, +1-770-984-6418, or nekrasas@loma.org

Web site: http://www.loma.org/
http://www.loma.org/annualconference.asp
http://www.loma.org/EdAwards.asp

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Profile: insurance

Bankers Systems and S1 Corporation Expand Alliance

2005-09-13T07:16:00.000-07:00

Bankers Systems and S1 Corporation Expand Alliance

S1 Corporation to Offer Bankers Systems' Electronic Documents With Branch and Lending Solutions to Help Customers Minimize Compliance Risks

ST. CLOUD, Minn., Sept. 13 /PRNewswire/ -- Bankers Systems, a Wolters Kluwer business, today announced an expanded alliance agreement with S1 Corporation, a leading global provider of integrated front-office applications for financial institutions.

Under the terms of the agreement, S1 Corporation will offer Bankers Systems' deposit, individual retirement account (IRA), and consumer and commercial lending electronic document modules to banks and credit unions using S1's branch and lending solutions. The electronic document modules can be integrated with S1 Sales and Service Platform, S1 Enterprise Sales and Service Platform, and S1 Consumer Lending, S1 Business Lending and S1 Lending Documents. S1 will have the opportunity to integrate additional electronic document modules with its suite of S1 Enterprise Solutions depending on specific customer needs. By offering Bankers Systems' electronic documents with its solutions, S1 is helping its customers meet ever-changing compliance requirements.

"This alliance offers our customers an integrated, compatible solution across all lines of business," said Drew Lamparello, director of product management, branch solutions for S1. "We've extended our relationship with Bankers Systems because of the company's long-standing reputation as a compliance leader and because financial institutions using Bankers Systems' wide range of electronic documents can realize time and cost savings resulting from digital processing. These institutions can also look forward to regular compliance updates automatically made by Bankers Systems to the documents."

Bankers Systems' documents are based on its extensive compliance knowledge base, Expere(R), and industry best practices. The company's documents are updated by Bankers Systems' compliance staff, who constantly monitor changes in new state and federal legislation regulations, and case law for 50 states, Washington, D.C., and the U.S. government.

In addition, since Bankers Systems' electronic documents seamlessly integrate with S1's applications, institutions benefit from reducing the number of different point solutions that need to be integrated with their systems.

"Integrating Bankers Systems' electronic compliance documentation with S1's solutions is an example of how two industry leaders can work together to help financial institutions increase the efficiency, productivity and consistency of sharing data across their organizations," said John Bryant, senior vice president of banking for Bankers Systems and Wolters Kluwer Financial Services.

About Bankers Systems

Established in 1952, Bankers Systems, a Wolters Kluwer business, is a leading national provider of compliance, credit and operational risk management content, documentation, technology, and services for financial organizations of all sizes. The company's comprehensive lending, deposit, individual retirement account, identity verification, and anti-money laundering solutions are used by more than 12,000 financial organizations, including more than 80 percent of banks and one in three credit unions in the United States. Bankers Systems' solutions help the industry become more productive, work more efficiently, manage risks, and grow their businesses. Bankers Systems is the sponsor of ComplianceHeadquarters.com, a web site designed to provide relevant compliance information and tools to financial professionals. To learn more about Bankers Systems, visit http://www.bankerssystems.com/ or call 800.552.9410.

Wolters Kluwer is a leading multinational publisher and information services company. The company's core markets are spread across the health, corporate services, finance, tax, accounting, law, regulatory, and education sectors. Wolters Kluwer has annual revenues (2004) of euro 3.3 billion, employs approximately 18,400 people worldwide, and maintains operations across Europe, North America, and Asia Pacific. Wolters Kluwer is headquartered in Amsterdam, the Netherlands. Its depositary receipts of shares are quoted on the Euronext Amsterdam (WKL) and are included in the AEX and Euronext 100 indices.

About S1 Corporation

S1 Corporation is a leading global provider of integrated front-office applications for more than 4,000 banks and insurance providers around the world. Comprised of applications that address virtually every market segment and delivery channel, S1 solutions help integrate and optimize an institution's entire front office, resulting in increased operational efficiencies, revenue opportunities, and overall customer satisfaction. S1 is the only provider with the proven experience, breadth of products, and financial strength to empower financial services companies' enterprise strategies. Additional information about S1 is available at http://www.s1.com/ .

Forward-Looking Statements

This press release contains forward-looking statements within the safe harbor provisions of the Private Securities Litigation Reform Act. These statements include statements with respect to our financial condition, results of operations and business. The words "believes," "expects," "may," "will," "should," "projects," "contemplates," "anticipates," "forecasts," "intends" or similar terminology identify forward-looking statements. These statements are based on our beliefs as well as assumptions made using information currently available to us. Because these statements reflect our current views concerning future events, they involve risks, uncertainties and assumptions. Therefore, actual results may differ significantly from the results discussed in the forward-looking statements. The risk factors included in our reports filed with the Securities and Exchange Commission (and available on our web site at http://www.s1.com/ or the SEC's web site at http://www.sec.gov/ ) provide examples of risks, uncertainties and events that may cause our actual results to differ materially from the expectations we describe in our forward-looking statements. Except as provided by law, we undertake no obligation to update any forward-looking statement.

Expere is a registered trademark of Bankers Systems, Inc.

All other trademarks are the property of their respective owners.

Source: Bankers Systems

CONTACT: Peggy Wilson, +1-800-397-2341, ext. 5260,
Peggy.Wilson@wolterskluwer.com , or Andrew McCaskill, +1-678-781-7210, both
for Bankers Systems

Web site: http://www.s1.com/
http://www.bankerssystems.com/

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Profile: insurance

Nicholas Christies Day Spa Grand Opening in Medfield, MA

2005-09-13T06:39:00.000-07:00

Nicholas Christies Day Spa Grand Opening in Medfield, MA

The New Location Offers Facials, Nail Care, Spa Packages, Massage Therapy, and Skin Care from Bioelements and DDF

MEDFIELD, Mass., Sept. 13 /PRNewswire/ -- Nicholas Christies Day Spa, founded in 1999 by Christie and Nicholas Mihopoulos, will hold the grand opening of their new location at One Green/77 North Street in Medfield from September 12 to November 12, 2005. This move to Bullards Marketplace offers spa clients additional elegant service and nail rooms, the same great knowledgeable staff, and ample, free parking. The spa carries Bioelements(R) and DDF(R) skin care products. Nicholas Christies Day Spa is the first full- service day spa in Medfield.

"One of the most exciting aspects of the move is our plan to offer custom blended skin care from Bioelements," said Christie Mihopoulos, esthetician and co-owner of the spa. "Our estheticians will be using the Biotype system that includes natural plant extracts, trace minerals, and essential oils to precisely target each individual's skin needs."

"Medfield is the right location to continue the solid growth of the business," said Nicholas Mihopoulos, co-owner and manager of the spa. "We believe we've created a spacious, elegant, and relaxing atmosphere here, offering a broad range of services and cosmetics products for the face and body that rivals any spa in Boston."

During the grand opening, Nicholas Christies Day Spa is offering $10 off on services totaling $75 or more and $25 office on services totaling $150 or more. The offer expires 11/12/05 and cannot be combined with any other offer. Limit one time per customer.

For more information call 508-242-9727 or visit http://www.nicholaschristiesdayspa.com/.

Website: http://www.NicholasChristiesDaySpa.com

Source: Nicholas Christies Day Spa

CONTACT: Christie Mihopoulos of Nicholas Christies Day Spa,
+1-508-242-9727; or Beth Gamble of Tucker Street Associates, +1-781-431-1161,
gamble@tuckerstreet.com

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Profile: insurance

Masco Corporation Declares Quarterly Dividend

2005-09-13T06:37:00.000-07:00

Masco Corporation Declares Quarterly Dividend

TAYLOR, Mich., Sept. 13 /PRNewswire-FirstCall/ -- Masco Corporation (NYSE:MAS) today announced that its Board of Directors has declared a quarterly dividend of $.20 per common share payable on November 7, 2005, to shareholders of record on October 7, 2005.

Headquartered in Taylor, Michigan, Masco Corporation is one of the world's leading manufacturers of home improvement and building products as well as a leading provider of services that include the installation of insulation and other building products.

Masco Corporation's press releases and other information are available through the Company's toll free number, 1-888-MAS-NEWS, or under the Investor Relations section of Masco's website at http://www.masco.com/ .

Statements contained herein may include certain forward-looking statements regarding Masco's future sales, earnings growth potential and other developments. Actual results may vary materially because of external factors such as interest rate fluctuations, changes in consumer spending and other factors over which management has no control. The Company believes that certain non-GAAP performance measures and ratios, used in managing the business, may provide users of this financial information with additional meaningful comparisons between current results and results in prior periods. Non-GAAP performance measures and ratios should be viewed in addition to, and not as an alternative for, the Company's reported results under accounting principles generally accepted in the United States. Additional information about the Company's products, markets and conditions, which could affect the Company's future performance, is contained in the Company's filings with the Securities and Exchange Commission and is available on Masco's website at http://www.masco.com/ . Masco undertakes no obligation to update any forward- looking statements, whether as a result of new information, future events or otherwise.

Source: Masco Corporation

CONTACT: Maria Duey of Masco Corporation, +1-313-792-5500

Web site: http://www.masco.com/

Company News On-Call: http://www.prnewswire.com/comp/535350.html

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Profile: insurance

American Women Have Spoken: They Want Great Sex ... and More of It

2005-09-13T06:34:00.000-07:00

American Women Have Spoken: They Want Great Sex ... and More of It

Elexa(TM) by Trojan(R) Survey of Women and Desire Reveals That 84 Percent of Women Agree a Good Sex Life Is Part of a Healthy Life; Just 31 Percent Believe They Are Having the Right Amount of Sex

PRINCETON, N.J., Sept. 13 /PRNewswire/ -- According to a new national survey, nearly two-thirds of women agree that having good sex is a priority in their lives. While sexual attitudes, needs and desires differ between life stage and ethnicity, all generations desire more sex, as voiced by 60 percent of sexually active women wishing they were having it more often.

Conducted by StrategyOne for the makers of Elexa(TM), a new line of sexual health products for women, the Elexa(TM) by Trojan(R) Survey of Women and Desire provides insight into the sex lives and attitudes of American women.

"It's clear that sex on a regular basis is an important part of women's lives, across all generations," notes Logan Levkoff, sexologist and sexuality educator. "Though most women think the media depicts the way they have sex in a somewhat unrealistic manner, women are telling us that they want a deeper connection with their partner, and they're willing and ready to get it with a combination of better communication and creativity in the bedroom."

My Kind of Sex: Sexual Imagery in the Media

Women share opinions when it comes to the portrayal of sex in the media. Only three percent strongly agree that "the media gives a realistic portrayal of the way women like me have sex." Even the characters of Desperate Housewives and Sex in the City leave women cold -- only eight percent and 15 percent of women said that these shows, respectively, capture the way they would like their sex lives to be.

Additionally, as celebrities are constantly in the media spotlight, American women identified the celebrities they would most like to "resemble sexually." -- twenty seven percent aspire to be like Angelina Jolie. Other top celebrity picks include:

-- Halle Berry, 19 percent
-- Demi Moore, 14 percent
-- Jennifer Aniston, 12 percent

Sex Isn't Just for the Young

Contrary to popular belief, sex isn't just for the young. If wisdom comes with age, it also seems that sexual confidence and self knowledge increase as women go through life. Eighty two percent of female "boomers" and 81 percent of Generation X say they are very/somewhat confident sexually compared to 64 percent of Generation Y women.

Boomer women also have a greater sense of what satisfies their sexual desires -- 62 percent in contrast to 38 percent of Generation Y and 52 percent of Generation X. A sense of sexual confidence will likely serve women well in later life -- with just 17 percent of women believing that a woman's sexual peak is in her twenties.

Parenting Kills Passion?

It is often said that parents don't have as much sex as those without children, but the Elexa(TM) survey found otherwise. Indeed, a full 86 percent of sexually active mothers agree that sex is more difficult with children in the house. However, parents are enjoying more sex than those without children. Forty-three percent of parents are having sex at least once a week compared to 30 percent of non-parents. Additionally, 67 percent of women who are parents are satisfied with their sex life compared to 60 percent of those who don't have children.

"A good sex life is a must-have for women today, regardless of age, marital status or ethnicity, as part of a healthy and fulfilling relationship," said Cassandra Johnson, product manager for Elexa(TM). "Elexa speaks to real women and provides them with a line of products to take control of and explore their sexual journey while offering protection from STDs and unwanted pregnancy."

This month, the makers of Trojan(R) brand condoms, is introducing Elexa(TM), a full line of sexual well-being products from a woman's perspective. The line includes intimacy products including Intimacy Gel, Freshening Cloths and a Vibrating Ring*. The line also includes a variety of premium condoms, Natural Feel Condoms, Stimulating Condoms and Ultra Sensitive Condoms with premium lubricants designed to heighten sensitivity. Log onto http://www.elexabytrojan.com/ for more information.

About the 2005 Elexa(TM) by Trojan(R) Survey of Women and Desire

The 2005 Elexa(TM) by Trojan(R) Survey of Women and Desire is an in-depth survey of the sexual attitudes and behaviors of women nationwide. It examines the trends in the overall female population and also looks at the ways in which various lifestage and demographic variables influence sexual attitudes and behaviors. On behalf of Elexa(TM), a line of sexual health products from a woman's perspective, by the makers of Trojan(R) brand condoms, StrategyOne conducted a quantitative online study among 1639 women aged 18 to 59. The sample is weighted to be representative of 18 to 59 American female population. The margin of error is plus or minus 2.4 percent at the 95% confidence level, which means that in 95 out of 100 times when a sample of this size is drawn, the results would not vary by more than 2.4 percentage points in either direction. Of the total respondents, 91 percent are currently or have been sexually active in the past; 9 percent have never been; 28 percent are aged 18 to 29, 22 percent are aged 30 to 39, 30 percent are aged 40-49 and 20 percent are aged 50-59.

About Elexa(TM)

Elexa(TM) is a full line of sexual well-being products from the makers of Trojan(R) brand condoms that provides women with the freedom to more fully enjoy sex while helping to protect themselves against STDs and unwanted pregnancy. The line includes various condoms, Intimacy Gel, Freshening Cloths and a Vibrating Ring*. To find out more, consumers can visit http://www.elexabytrojan.com/.

About Logan Levkoff

Drawing on over ten years of experience, Logan uses public appearances, lectures and workshops to provide education on sexual health, intimacy, and relationships. Her expertise has led her to make appearances on television, including E! Fox News Channel, MSNBC Live, VH1, Oprah, and MTV. Logan is one of the featured sexual advice columnists on the Sexual Health Network and is dedicated to perpetuating healthy and positive messages about sexuality to people of all ages and backgrounds.

About StrategyOne

StrategyOne is a full-service corporate positioning, market research and strategic communications agency. It provides clients with customized and targeted opinion research (qualitative and quantitative), strategic consulting, and market research -- including corporate image evaluation, advertising effectiveness analysis, reputation modeling, and communications assessment and planning. The company has offices in New York, Chicago, Washington DC, and London.

* The Elexa(TM) Vibrating Ring is not available for purchase in the following states: Louisiana, Texas, Georgia, Virginia, Colorado, Mississippi, Kansas, and Alabama.

Source: Church & Dwight

CONTACT: Emily Florin, +1-212-704-8270, Emily.Florin@edelman.com, or
Lindsay Fowlston, +1-212-704-8153, Lindsay.Fowlston@edelman.com, both of
Edelman, for Dwight and Church

Web site: http://www.elexabytrojan.com/

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Profile: insurance

Aflac Incorporated to Present at Banc of America Securities 35th Annual Investment Conference

2005-09-13T06:00:00.000-07:00

Aflac Incorporated to Present at Banc of America Securities 35th Annual Investment Conference

COLUMBUS, Ga., Sept. 13 /PRNewswire-FirstCall/ -- Aflac Incorporated (NYSE:AFL) announced today that it will make a presentation at Banc of America Securities 35th Annual Investment Conference. President and Chief Financial Officer Kriss Cloninger III will represent Aflac Incorporated, and he is scheduled to make a presentation on September 19 at 12:30 p.m. EDT (9:30 a.m. PDT). During the Aflac Incorporated presentation, Mr. Cloninger will discuss the company's outlook for 2005 and its strategy for growth in the U.S. and Japanese insurance markets.

Mr. Cloninger's presentation will be webcast live at the following web address:

http://www.veracast.com/webcasts/bas/35th-annual-2005/id88105574.cfm

After the presentation, a breakout session will be webcast live at the following web address:

http://www.veracast.com/webcasts/bas/35th-annual-2005/id53107022.cfm

For 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Aflac's insurance products provide protection to more than 40 million people worldwide. In January 2005, Aflac was included in Fortune magazine's list of the 100 Best Companies to Work For in America for the seventh consecutive year. Aflac has also been included in both Forbes magazine's Platinum 400 List of America's Best Big Companies and in Fortune magazine's listing of America's Most Admired Companies for five consecutive years. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

(Logo: http://www.newscom.com/cgi-bin/prnh/20041202/CLTH019LOGO )

Analyst and investor contact - Kenneth S. Janke Jr., 800.235.2667 - option 3, FAX: 706.324.6330, or kjanke@aflac.com

Media contact - Laura Kane, 706.596.3493, FAX: 706.320.2288, or lkane@aflac.com

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20041202/CLTH019LOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Aflac Incorporated

CONTACT: Analysts and investors, Kenneth S. Janke Jr., +1-800-235-2667,
option 3, or fax, +1-706-324-6330, or kjanke@aflac.com , or Media, Laura Kane,
+1-706-596-3493, or fax, +1-706-320-2288, or lkane@aflac.com , both of Aflac
Incorporated

Web site: http://www.aflac.com/
http://www.veracast.com/webcasts/bas/35th-annual-2005/id88105574.cfm
http://www.veracast.com/webcasts/bas/35th-annual-2005/id53107022.cfm

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Profile: insurance

Kimberly-Clark Is Named the Sector Leader in Personal Products in the 2006 Dow Jones Sustainability World Indexes

2005-09-13T05:54:00.000-07:00

Kimberly-Clark Is Named the Sector Leader in Personal Products in the 2006 Dow Jones Sustainability World Indexes

DALLAS, Sept. 13 /PRNewswire-FirstCall/ -- Reflecting its commitment to creating sustainable growth and shareholder value, Kimberly-Clark (NYSE:KMB) has been selected as the sustainability leader in the Personal Products sector of the 2006 Dow Jones Sustainability World Indexes. The Dow Jones Sustainability Indexes (DJSI) track the financial performance of the leading sustainability-driven companies worldwide.

Only the top 10 percent of the 2,500 largest companies in the Dow Jones Global Index are selected as components of the DJSI World Indexes based on a range of economic, environmental and social criteria. Moreover, Kimberly- Clark was ranked best in class among a group of 17 personal care companies worldwide. This is the first year these companies have been evaluated as a separate group within the DJSI.

Kimberly-Clark earned the highest scores in its sector for a number of criteria, including corporate governance, customer relationship management, brand management, strategy for emerging markets, environmental and social reporting, environmental management systems, and product information and impact.

"Sustainability at Kimberly-Clark is a business imperative, and we're pleased to have attained this prestigious rating," said Cheryl Perkins, Senior Vice President and Chief Technical Officer. "We have integrated sustainability considerations at all levels of our operations to ensure that we are focused on understanding and meeting the needs of our stakeholders around the world. This approach helps us improve brand performance, reduce environmental impacts and business costs, and maximize the social benefits of our worldwide investments."

To learn more about Kimberly-Clark's sustainability progress and integration, please see Kimberly-Clark's 2004 Sustainability Report on the company's Web site, http://www.kimberly-clark.com/aboutus/sustainability2004/ .

About Kimberly-Clark

Kimberly-Clark and its well-known global brands are an indispensable part of life for people in more than 150 countries. Every day, 1.3 billion people -- nearly a quarter of the world's population -- trust K-C brands and the solutions they provide to enhance their health, hygiene and well-being. With brands such as Kleenex, Scott, Huggies, Pull-Ups, Kotex and Depend, Kimberly- Clark holds the No. 1 or No. 2 share position in more than 80 countries. To keep up with the latest K-C news and to learn more about the company's 133- year history of innovation, visit http://www.kimberly-clark.com/ .

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/19991117/KMBLOGO
PRN Photo Desk, photodesk@prnewswire.com
Source: Kimberly-Clark Corporation

CONTACT: media, Dave Dickson, +1-972-281-1481, or ddickson@kcc.com , or
Joey Mooring, +1-972-281-1443, or joey.mooring@kcc.com , or investor
relations, Mike Masseth, +1-972-281-1478, or mmasseth@kcc.com , all of
Kimberly-Clark Corporation

Web site: http://www.kimberly-clark.com/
http://www.kimberly-clark.com/aboutus/sustainability2004

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Profile: insurance

Evergreen Re Names Curtis Beharry Vice President of Client Services

2005-09-13T05:45:00.001-07:00

Evergreen Re Names Curtis Beharry Vice President of Client Services

STUART, Fla., Sept. 13 /PRNewswire/ -- Evergreen Re, the largest HMO reinsurance broker in the country, announced today the appointment of insurance claims and administration veteran Curtis Beharry to Vice President of Client Services.

(Logo: http://www.newscom.com/cgi-bin/prnh/20040217/LATU132LOGO )

Beharry brings more than 19 years of managed care reinsurance and employer stop loss cost management and claims processing experience to the firm. His extensive knowledge of the utilization and configuration of claims processing systems, including the designing of unique specialty programs to help clients reduce costs, will provide even greater depth to the company's client services and insurance administration departments.

"Beharry has been working with managed care organizations and large self-funded employers since the 1980s, analyzing claims data, evaluating claims experience and instituting cost-containment programs," said Charles Crispin, President and CEO of Evergreen Re. "Our clients will benefit greatly by the extensive knowledge and understanding he brings to Evergreen Re," he added.

Formerly director of account services at Risk Based Solutions, Beharry also served as operations director for John Alden Life Insurance, and claims manager for CBAI/CAC Ramsey in Miami. Beharry will be based at the firm's headquarters in Stuart, FL.

Evergreen Re Incorporated is a healthcare consulting firm providing reinsurance brokerage services and other risk reduction products and services that improve predictability and financial performance for health plans, provider organizations, large employers, unions and business coalitions. The company's strategic relationships with leading insurance and reinsurance markets enable it to provide comprehensive risk protection for clients with members in more than 45 states. Evergreen Re has offices in Colorado, Florida, Indiana, Minnesota, Pennsylvania and Virginia. For more information, visit www.evergreenre.com.

Contact: Ana Bischoff
Evergreen Re Incorporated
(772) 781-5280

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20040217/LATU132LOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Evergreen Re

CONTACT: Ana Bischoff of Evergreen Re Incorporated, +1-772-781-5280

Web site: http://www.evergreenre.com/

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Profile: insurance

Healthier Employees = Lower Healthcare Costs

2005-09-13T05:45:00.000-07:00

Healthier Employees = Lower Healthcare Costs

Guardian, in Alliance With Destiny Health, Offers New Tools to Help Employers Track Health and Resulting Cost Reductions

OAK BROOK, Ill., Sept. 13 /PRNewswire/ -- For the first time, employers have the ability to see how employees are progressing on the health spectrum, which if managed effectively can directly impact their health insurance premiums. The Guardian Life Insurance Company of America (Guardian) and Destiny Health today announced significant new changes to The Destiny Health Vitality Program(TM) including an integrated Health Risk Assessment, which was developed in conjunction with the University of Michigan Health Management Research Center (HMRC), that provides both members and employers information to focus on improving health and wellness.

The Destiny Health Vitality Program is modeled after the market-leading South African Vitality Program of Destiny's parent, Discovery Health. The enhancements to the Vitality program come on the heels of an actuarial study by Milliman USA of Discovery's South African experience which confirmed that participation in the South African Vitality program is associated with lower health insurance claims. Specifically the study found that singles and couples who participate in Vitality have lower insured claim costs, even though Vitality participants are more likely to have chronic conditions than non-Vitality participants of the same age. In addition, the study found that Vitality members more pro-actively manage their healthcare budgets, contributing more to their medical savings accounts than members who do not participate in Vitality. Finally, based on substantially lower terminations rates for Vitality participants, the study indicated that Vitality participants are more likely to continue their health insurance coverage.

"This study is a terrific validation of what we believed all along. Given the similarities between Vitality in South Africa and the U.S. and the fact that both countries have private market systems with individual, small group and large group coverage, we have every reason to expect similar results," said Destiny Health CEO J. Scott Spiker. "And we are building on the momentum provided by this confirmation by enhancing Vitality even further, with a greater focus on measurement, reporting and continuous improvement to offer our members new ways to control their healthcare costs and improve their health. We want to provide insureds of all ages and health statuses the tools and incentives to pro-actively improve their health."

"Intuitively, we all know that by effectively managing one's health, we can have a tremendous impact on controlling health care costs," stated Rick Viesta, VP, Group Medical, The Guardian. "At the same time, however, there generally exists a disparity between our perceptions as to how healthy we are and our actual health status. This Health Risk Assessment adds a new dimension to our health information support tools by helping members better understand and focus on their own personal health and wellness goals."

Broadening the scope and impact of the Vitality program even further is yet another significant enhancement, brought by a new partnership with Life Time Fitness, a national operator of distinctive and large four-in-one sports and athletics, professional fitness, family recreation and resort/spa centers. Depending upon their Vitality Status, members will be eligible to earn substantial rebates on their monthly membership dues, along with access to a wealth of health and wellness related services, with regular visits to a Life Time Fitness center.

Destiny Health Plan members can also earn Vitality Bucks through activities such as preventive medical care, public fitness events and lifestyle changes (i.e., stopping smoking, reducing BMI). As members accumulate more Vitality Bucks, they move up in status level from Bronze, to Silver, to Gold, to Platinum, thereby earning additional perks and benefits.

According to Spiker, "We think our members will find the 2006 Destiny Health Vitality Program easier to use, richer in rewards, and enhanced with new partners that bring the program to a whole new level."

Broader Continuum of Prescription Drug Options

In addition, recognizing that prescription drug coverage is a critical component to any health plan design and something that should be as customizable and flexible as possible, Guardian, in alliance with Destiny Health, has expanded its prescription drug coverage options. New additions include a Preventive Medication Rider for members covered under a Health Savings Account.

The Preventive Medication Rider utilizes the Health Savings Account Preventive Care Safe Harbor to provide first dollar coverage for the medications taken to treat 10 common conditions including diabetes, asthma and high cholesterol. This removes a significant concern regarding the benefits of typical high deductible health plans for members with chronic health conditions.

Additionally, a new option is being made available to provide first dollar coverage for all medications for members electing a health reimbursement arrangement. These enhanced options mean that employer groups can more closely match their coverage with their employees needs.

About Guardian

Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is the fourth largest mutual life insurance company in the United States. As of December 31, 2004, Guardian and its subsidiaries had $39.5 billion in assets. With more than 5,000 employees and 2,900 financial representatives, as well as over 80 agencies nationwide, Guardian and its subsidiaries protect individuals, businesses and their employees with life, disability, health and dental insurance products, and offer 401(k), financial products and trust services. More information about Guardian can be obtained at: http://www.guardianlife.com/ .

About Destiny Health

Destiny Health's innovative consumer-driven health plan is designed to make people healthier and enhance and protect their lives, by balancing comprehensive health insurance coverage with incentives that motivate active participation in healthcare and rewards member behavior change necessary for a healthier lifestyle. Destiny Health's consumer-focused strategy is modeled after Destiny Health's parent company, Discovery, an international life and health insurance company that has successfully enrolled over 1.8 million members in its medical plan since 1992. Combined, Destiny Health and Discovery are the largest providers of consumer-driven healthcare in the world. For more information visit http://www.destinyhealth.com/ . The Destiny Health Plan is currently marketed by The Guardian Life Insurance Company of America in Illinois, Virginia, Washington, D.C. and Maryland. It is also available in Massachusetts through a partnership with Tufts Health Plans and in Wisconsin through affiliated insurance brokers.

Source: Destiny Health

CONTACT: Eileen Rochford for Destiny Health, +1-773-463-2480 (office),
+1-312-953-3305 (cell phone), eileenr@theharbingergroup.com

Web site: http://www.destinyhealth.com/
http://www.guardianlife.com/

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Profile: insurance

Executives to Present on the Independence Blue Cross Care Management Program at the 2005 Disease Management Congress

2005-09-13T05:44:00.000-07:00

Executives to Present on the Independence Blue Cross Care Management Program at the 2005 Disease Management Congress

Who: Esther Nash, MD, Senior Medical Director, Health Management
Programs, Independence Blue Cross (IBC)

David Costello, PhD, Senior Vice President, Outreach Analytics &
Planning, Health Dialog

What: Drs. Nash and Costello will speak at this year's Disease
Management Conference on the following topic:

"Creating Patient and Provider Behavior Change in a Large
National Health Plan Utilizing Novel Member Engagement
Strategies"

This presentation will highlight the results of several novel
member engagement strategies implemented as part of IBC's multi-
million member care management program. The IBC program is
national in scope, yet has achieved targeted success through
regional concentration. Drs. Nash and Costello will discuss the
challenges associated with national care management populations,
the use of member and provider input in the design of
communication tools, and how to assess the effectiveness of
distinctive member engagement strategies.

Where: Omni Orlando Resort
1500 Masters Blvd.
Orlando, Florida 33896
Phone: (407) 390-6664
http://www.diseasemanagementcongress.com/

When: "Creating Patient and Provider Behavior Change in a Large
National Health Plan Utilizing Novel Member Engagement
Strategies" will take place on:
Friday, September 23rd from 1:50pm - 2:30pm

About Independence Blue Cross:

Independence Blue Cross is the leading health insurer in Southeastern Pennsylvania. Nationwide, IBC and its affiliates provide coverage to nearly 3.5 million people. This month, Independence Blue Cross's Personal Choice was rated the No. 1 PPO in the nation and its Keystone HMO was ranked as the No. 1 HMO in the region by health care consumers in a leading independent consumer magazine. For more than 65 years, Independence Blue Cross has offered quality health care products and services tailored to meet the changing needs of members, employers, groups and providers. For more information on Independence Blue Cross, visit our website at http://www.ibx.com/.

About Health Dialog:

Health Dialog is a leading provider of care management services, including disease management, and is one of the fastest growing privately held firms in the U.S. The firm helps physician groups, health plans, and self-insured employers improve healthcare quality while reducing overall costs. The firm's services include analytic services and telephonic and other care management support for individuals. Health Dialog helps individuals become more actively engaged in their healthcare and have more effective relationships with their physicians. For more information about Health Dialog, please visit http://www.healthdialog.com/.

Media Inquiries:
Cathleen Porter
Mullen for Health Dialog
978.468.8956
cathleen.porter@mullen.com

PRNewswire -- Sept. 13

Source: Health Dialog

Web site: http://www.healthdialog.com/
http://www.ibx.com/

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Profile: insurance

InBank Study Examines Insurance and Banking Convergence

2005-09-13T05:19:00.000-07:00

InBank Study Examines Insurance and Banking Convergence

Analysis of Financial Results Points to Need for New Business Model

ALEXANDRIA, Va., Sept. 13 /PRNewswire/ -- Insurance company-owned banking operations are failing to achieve positive financial results and deficient business models are the reason, according to a study released today by InBank. InBank demonstrates there is opportunity for a new business model -- Private Label Banking -- to emerge in the marketplace.

According to the study, insurance companies have entered the banking arena by building or buying banks and an analysis of financial results illustrates neither business model has delivered profitable results. Among the study findings:

1. Insurance companies enter banking to capitalize on the financial
promise of convergence: improving distribution, increasing customer
acquisition and retention, expanding market share, enhancing market
image.

2. The vast majority of insurance company-owned banks have not met with
financial success, with cumulative losses plus invested capital ranging
from about $7 million to well over $500 million among the institutions
surveyed.

3. Insurance and banking product sets are highly complementary, however
the industries have disparate operational infrastructures and sales
cultures, inhibiting profitable organizational integration of insurance
and banking

4. Insurance companies should integrate banking products with their
existing product offering, however the majority should never own a
banking institution.

Private Label Banking is a new model providing insurance companies all the benefits a bank brings without the cost or risk. Enabling an insurance company to market banking products without building or buying a bank operation, Private Label Banking is a turnkey program drawing thousands of new customers to insurance company offices and providing the following components to activate an insurance company banking operation:

1. A full line of retail bank products branded in the name of the
insurance company.

2. Private labeled, transactional Internet banking.

3. Proven marketing programs targeting retail customers, with sales
results reporting at producer, agency, and company levels.

4. Agent training, sales support, and education.

5. Ongoing compliance management.

The study, "Banking by Insurance Companies: Is There a Successful Strategy?" is available upon request from InBank.

Methodology

As authorities on banking and insurance industry issues, InBank relied upon over 50 years of insurance and banking industry expertise when developing this study. Findings are supported by publicly available research data and call reports from the Federal Deposit Insurance Corporation ("FDIC") for insurance company-owned, and independent banking operations.

About IB Services, LLC ("InBank")

InBank has pioneered Private Label Banking for insurance companies, enabling insurance companies to capitalize upon the financial potential of banking and insurance industry convergence. Headquartered in Alexandria, Virginia, InBank has created and markets a fully supported marketing program built around banking products that generates thousands of new customers on behalf of insurance companies. The InBank Private Label Banking program allows an insurance company to offer banking products without any of the capital costs, operational risks, or regulatory responsibility associated with either building or buying a banking institution.

InBank's website is: http://www.myinbank.com/

Source: InBank

CONTACT: Bob Martins of IB Services, LLC, +1-703-229-1306, or
rmartins@myinbank.com

Web site: http://www.myinbank.com/

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Profile: insurance

Elexa(TM) Enables Women to Embrace Their Sexuality

2005-09-13T04:10:00.000-07:00

Elexa(TM) Enables Women to Embrace Their Sexuality

New Brand of Sexual Health Products from the Makers of Trojan(R) Brand Condoms Created from a Woman's Perspective

PRINCETON, N.J., Sept. 13 /PRNewswire/ -- Elexa(TM), a full line of sexual health products designed to empower a woman to pursue -- on her terms -- a lifelong sexual journey that is both fulfilling and responsible, was launched today by the makers of Trojan(R) brand condoms, America's #1 brand of condoms.

(Photo: http://www.newscom.com/cgi-bin/prnh/20050913/NYTU028 )

Created from a woman's perspective, the new Elexa(TM) line includes three styles of condoms that meet the various needs of a woman and her partner, as well as three personal products that heighten freshness, intimacy and pleasure during sex.

The makers of Trojan(R) developed Elexa(TM) from the insights of thousands of women, tailoring the product line to cover the key areas of a woman's sexual health: pleasure, safety, and the prevention of unwanted pregnancy and sexually transmitted diseases (STDs). The brightly colored Elexa(TM) packages carry the slogan "A Woman's Perspective by Trojan(R)," signaling that Elexa(TM) has been created specifically to speak to the wants and needs of women.

Elexa(TM) products will be sold in retailers' feminine care areas, making shopping for sexual health products a comfortable, familiar, and non-threatening experience for women.

"Women told us that they want more control over their sexual well-being, but that they feel largely marginalized by the decidedly male nature of sexual health products currently on the market," said Cassandra Johnson, product manager for Elexa(TM). "By creating a brand just for them, we hope that women will not only enjoy more intimate and more pleasurable sexual experiences, but gain new awareness that practicing responsible, safer sex is crucial to their long-term health."

Insights Inform Elexa(TM)

The condom products in the Elexa(TM) line were developed from the desires of women, as expressed to Trojan(R), for more intimacy and a closer connection with their partner, for enhanced pleasure from condoms, and for condoms their partner will like too. The three Elexa(TM) condom products are:

-- Elexa(TM) Natural Feel Condoms: Low-latex-odor condoms that feature a
premium water-based lubricant that works with the body's natural
lubrication for increased intimacy and comfort, and are ribbed for her
extra enjoyment.
-- Elexa(TM) Stimulating Condoms: Featuring a premium, ultra-silky
lubricant that provides a closer, more intimate connection and greater
comfort; they also are ribbed and have low latex odor.
-- Elexa(TM) Ultra Sensitive Condoms: Ultra-thin, yet equally reliable as
other Trojan condoms, featuring a premium, ultra-silky lubricant that
provides a closer, more intimate connection and greater comfort.

Each of the Elexa(TM) condoms provides women with the freedom to more fully enjoy sex because of fewer worries about STDs and unwanted pregnancy.

Women also identified other key issues: that freshness during a sexual encounter is important; that they want more intimacy and sometimes desire a little extra help "getting started"; and that they were intrigued by -- and positive about -- adding vibrations that heighten pleasure for a woman and her partner. These insights brought about the personal products that complete the Elexa(TM) line:

-- Elexa(TM) Freshening Cloths: Lightly scented cloths that give a woman
an extra bit of freshness before and after an intimate encounter.
Elexa(TM) Freshening Cloths are gynecologist tested and packaged with
three premium latex condoms.
-- Elexa(TM) Intimacy Gel: Designed to enhance a woman's sexual
experience, this clear, non-greasy gel gently adds warmth when her most
sensitive area is physically stimulated
-- Elexa(TM) Vibrating Ring*: A soft rubber ring, powered by an ultra-
light battery, designed to enhance the pleasure of both partners.
Packaged with a premium latex condom.

The new Elexa(TM) products will be widely available on retail shelves this month. Consumers can log on to http://www.elexabytrojan.com/ for more information.

About Elexa(TM)

Elexa(TM) is a full line of sexual well-being products from the makers of Trojan(R) brand condoms that provides women with the freedom to more fully enjoy sex while helping to protect themselves against STDs and unwanted pregnancy. The line includes various condoms, intimacy gel, freshening cloths and a vibrating ring*. To find out more, consumers can visit http://www.elexabytrojan.com/.

About Trojan

Trojan brand condoms are America's #1 condom and have been trusted for nearly 90 years. Trojan brand latex condoms are made from premium quality latex to help reduce the risk of unwanted pregnancy and sexually transmitted diseases. Each condom is electronically tested to help ensure reliability. There are over 29 varieties of Trojan brand condoms. More Americans trust the Trojan brand than any other condom. For more information, consumers can visit http://www.trojancondoms.com/.

* Not available for sale in the following states: AL, GA, TX, MS, LA, KS,

CO or VA.

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20050913/NYTU028
AP Archive: http://photoarchive.ap.org/
AP PhotoExpress Network: PRN3
PRN Photo Desk, photodesk@prnewswire.com
Source: Church & Dwight

CONTACT: Emily Florin, +1-212-704-8270, emily.florin@edelman.com, or
Lindsay Fowlston, +1-212-704-8153, lindsay.fowlston@edelman.com, both of
Edelman for Church & Dwight

Web site: http://www.elexabytrojan.com/
http://www.trojancondoms.com/

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Profile: insurance

LTC Financial Partners Attracts Top Agents With Industry First: Ownership

2005-09-13T03:32:00.000-07:00

LTC Financial Partners Attracts Top Agents With Industry First: Ownership

Fast-growing Brokerage, Leader in Long Term Care Insurance, Offers New Income Stream Based on Shares

KIRKLAND, Wash., Sept. 13 /PRNewswire/ -- LTC Financial Partners LLC, the nation's first and only national, agent-owned long term care insurance brokerage, today announced a bold campaign to recruit a commanding majority of the industry's best agents.

* (Photo: Send2Press.com/mediadrome/CamTruesdell-72dpi.jpg)

* (Caption: Photo of Cameron Truesdell, CEO)

The brokerage, founded in 2003, already leads the LTCi field with more than 100 Partners averaging seven years' experience. Of America's 100 top LTCi producers, more than half are LTC Financial Partners. "But we're not satisfied," says Craig Smith, President. "We're looking for more of the best." The firm seeks to double, triple or even quadruple its size by attracting "those really committed to being specialists and wanting to join a top-performing organization," he says.

What's the carrot? "Ownership," says Cameron Truesdell, Chairman and CEO. "Every Partner gets shares, a new concept in the LTCi field; and the number of shares goes up based on production." That means that agents can look forward to a whole new income stream: dividends from their shares. This stream is designed to keep flowing, month after month, on top of agents' premium renewals.

The ownership concept is explained in a "Partner Package," available soon to qualified candidates. It may be requested, free of charge, at --

http://www.eranova.com/LTCFP/own.htm

As owners of LTC Financial Partners, agents enjoy a national infrastructure that further maximizes their success by minimizing the things they hate, like cold calls to solicit appointments. For example, the company is cutting deals with national banks, associations of various types, and organizations like the National Network of Estate Planning Attorneys. These affiliates, "uncover the needs, then call our Partners in as the experts," states Dan Cahn, VP of Business Development.

The brokerage expects to keep growing rapidly, at the rate of 30% or more per year. "Just think of the untapped market," says Truesdell, "77 million healthy, active baby boomers nearing retirement." Truesdell and co-founder Craig Smith are pioneers in their field. They were principals of LTC Inc., founded in 1985 and later sold to GE Capital. Their new venture distinguishes itself by offering carefully selected products from multiple leading carriers including Allianz, MetLife, MedAmerica, Prudential, John Hancock, Physicians Mutual, and Unum Provident.

In addition to requesting the "Partner Package," candidates are encouraged to call their national recruiter, Arienne Channer, at 866-471-4072 for immediate information. Candidates may also meet the founders and over 100 of the Partners at the 2005 National LTCi Producers Summit, in Kansas City, October 16-18. The Summit is the nation's premiere conference for long term care agents. More information is available at http://www.eranova.com/LTCFP/own.htm

RECRUITING CONTACT: Arienne Channer of LTC Financial Partners -- National Recruiter -- 866-471-4072

This release was issued on behalf of the above organization by Send2Press(TM), a unit of Neotrope(R). http://www.send2press.com/

Source: LTC Financial Partners LLC

CONTACT: Jonas Roeser, Director of Marketing of LTC Financial Partners,
+1-866-471-4072; or Dick Samson of EraNova Institute, +1-973-335-3699,
media@eranova.com, for LTC Financial Partners

Web site: http://www.eranova.com/LTCFP/own.htm

NOTE TO EDITORS: UTF-8 copy of release, http://www.Send2Press.com/mediadrome/2005-09-0913-001.txt

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Profile: insurance

FSCS Default Declarations Open the Way for Consumers to Claim Compensation

2005-09-13T03:25:00.000-07:00

FSCS Default Declarations Open the Way for Consumers to Claim Compensation

LONDON, September 13/PRNewswire/ -- Consumers may be entitled to compensation of up to GBP48,000 if they have
lost money as a result of their dealings with any one of 43 firms recently
declared in default by the Financial Services Compensation Scheme (FSCS).
FSCS is the UK's statutory fund of last resort for customers of regulated
financial services firms.

"The Scheme plays a vital role in reassuring consumers that if a
financial services firm fails they will be protected," says Loretta
Minghella, Chief Executive. "If they have had dealings with one of these
firms, we may be able to help."

Declaring a firm in default opens the way for customers who have lost
money, as a result of dealings with such a firm, to make a claim for
compensation to FSCS. It is the final part of a process whereby a regulated
firm (for example, a financial adviser) is deemed by FSCS to be unable to pay
claims for compensation against it. Authorised financial services firms are
regulated by the UK's independent financial watchdog, the Financial Services
Authority (FSA).

Consumers who believe they may have a claim should contact the Scheme on
+44-(0)20-7892-7300. The service is free. The limit for investment
compensation is GBP48,000.

A list of the 43 investment firms is attached. Full address details are
available from FSCS' website at www.fscs.org.uk . Consumers can also use the
default database on the website to check to see if a firm they have dealt
with previously has already been declared in default by the Scheme.

FSCS covers:

- investments,

- deposits,

- insurance,

- mortgage advice and arranging (from 31 October 2004), and

- advice about general insurance and the arranging of policies
(from 14 January 2005).

Declarations by FSCS

13 September 2005

East

L & C (Insurance Brokers) Limited, subsequently L & C Limited, Ipswich,
Suffolk

Mary Laura Purnell trading as Porchworth, North Norwick NR12 0YA

Midlands

Geoffrey Stuart Pitts trading as G S Pitts & Company, Leicester LE2 0QS

Harry Whitehouse, Nottingham NG6 8AR

Independent Financial Services (Oswestry) Limited, Oswestry SY11 1PX

John Coverdale Associates Limited, Worcester WR1 1JL

Marcel Travers Smith and Anne Lewis, formerly trading as M Travers Smith
& Co, Wolverhampton WV5 0LB

P D C Insurance Services (Life & Pensions) Limited, Stafford ST16 2NQ

Mr V Patel, formerly trading as Patel Insurance Services, Derby DE3 6WD

North

Charter Financial Limited, formerly Wilcock, Woolley & Hopes Ltd, Charter
Asset Management Ltd and Charter Financial Planning Limited, Preston PR2 2YH

David William Allison trading as David Allison Insurance Services,
Cumbria CA5 4QL

Renee Lass, formerly trading as Lees Kirkham & Company, Manchester M4 3EY

Northern Ireland

James Hill trading as J F Hill & Co, Larne, Co Antrim BT40 1RF

Scotland

Kenneth Jeffries, formerly trading as Jeffries & Co, Glasgow G66 1NZ

South East (including London)

A & H Insurance Limited, London W1T 3JS

Adams Insurance Brokers Limited, formerly C R Adams (Insurance Brokers)
Limited, Wanstead E11 1QE

Alder Broker Group Limited, formerly trading as Eltham Park Insurance
Brokers Limited, Bexleyheath DA7 5AH

Blacktower Capital Limited, East Molesley KT8 9BY

Colin Hart and Brindley Juliana-Jones (formerly Jones) trading as Park
Financial Consultants, Horsham RH12 1EU

Financial Bureau Limited, Sevenoaks TN13 1JF

Heathercroft Financial Consultants Limited, Bromley BR2 0LQ

M P Saunders (Financial Services) Limited, formerly Prosperleague
Limited, London N3 1LP

Michael Nason trading as Carey Nason Esq, London SW14 7PH

P Newberry, formerly trading as Newberry Lane Insurance, Hook RG27 0BQ

Richard Grenville Associates Limited, formerly Richard Grenville Ltd,
London N16 7HZ

Sansome & George Financial Services Limited, Reading RG7 5AN

W H Breading Limited trading as W H Breading & Son (Insurance Brokers)
Ltd, Canterbury CT1 2UD

Yvonne Jenkins, formerly trading as Y J Financial Services, London N8 8SJ

South West

Gordon and Rosemary Thomas trading as Gordon Thomas & Partners, Bristol
BS8 2HL

Kensingtons Investment Management Limited, Bristol BS8 2PB

Keyte & Company Limited, Cheltenham GL52 4RG

Ludgate & Company, Gloucester GL1 3QG

Wales

Corwen Insurance Services Limited, , Corwen LL21 0DL

Crest (Life and Pensions) Limited, Chirk LL14 5LU

Mr Gareth David Thomas and Mrs Maureen Thomas trading as G Thomas
Financial Services, Wrexham LL14 2SN

John Davies & Company, Aberdare CF44 0AE

Roy Lewis Insurance Brokers, Bridgend CF31 1LH

Yorkshire & Humberside

Mr Anthony Brown trading as Tony Brown & Company, Cottingham HU16 4DW

Arncliffe Holdings PLC, Harrogate HG3 1RU

Mr Barry and Mrs Jennifer Lowery, formerly trading as Lowery & Company,
Barnsley S73 0DA

Dixon & Bond (Insurance Brokers) Limited (In Liquidation), Doncaster DN1
2DY

Ebor Asset Management Limited, Bradford BD13 3EL

Mr John Russell trading as John Russell & Company, Sheffield S7 2LP

Source: Financial Services Compensation Scheme (FSCS)

Suzette Browne, Tel: +44-(0)20-7892-7372, Suzette.Browne@fscs.org.uk, Heather Tilston, Tel: +44-(0)20-7892-7370, H.Tilston@fscs.org.uk, Tel: +44-(0)20-7892-7300, Website: www.fscs.org.uk

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Profile: insurance

The World's First Rocking, Reclining, Folding Chair

2005-09-13T03:10:00.000-07:00

The World's First Rocking, Reclining, Folding Chair

Innovative Chair Will Revolutionize the Outdoor Furniture Market

DOYLESTOWN, Pa., Sept. 13 /PRNewswire/ -- The Relaaaxer Company, innovative furniture designer and manufacturer, announced today the debut of its premier namesake product: The Relaaaxer(TM). This product, which holds a US Utility Patent, will revolutionize the outdoor furniture market as the world's only rocking, reclining and folding chair.

The Relaaaxer will debut at the International Casual Furniture & Accessories Show at the Chicago Merchandise Mart from Sept 14 through Sept 17 in booth 7-8083. The Relaaaxer Company will simultaneously launch two new product websites: www.relaaaxer.com for retail markets and www.relaaaxercompany.com for wholesale markets.

"This amazing rocking recliner combines the convenience of a portable, folding chair with the soothing qualities of a rocker and the favorable comfort of a recliner," said Daniel Brandschain, Inventor and Director of Product Development for The Relaaaxer Company, "It is the most significant improvement in chair design since the advent of the recliner or the folding chair."

Multiple features and functions give the folding, rocking recliner broad market appeal, from outdoor enthusiasts, sportsmen, hunters and fisherman, to students, senior citizens, vacationers, boaters, RV owners and those who are just looking for the most comfortable chair they can find. The Relaaaxer is the preferred piece of furniture for a variety of locations and uses. The folding feature permits travel to sporting venues, the beach, lake or mountains. Take it camping, boating, picnicking, tailgating or to the college dorm. As a rocking chair, The Relaaaxer is perfect for the porch or patio. As a recliner, it's a must-have for lounging by the pool or beneath a shady tree.

The unique rocker's ingenious design actually helps you stand by rocking forward with the body's natural upright motion. Anyone who has ever struggled out of a deep recliner or awkwardly straddled a lounge chair will appreciate how easy it is to gracefully exit The Relaaaxer. To recline, slightly lift the armrests and lean back. When fully recumbent, The Relaaaxer is as satisfying as an island hammock, only portable!

The inspiration for The Relaaaxer started with Dan Brandschain's realization that most chairs and sofas, though pleasing to the eye, were not pleasing to the back. In fact, many were downright uncomfortable. Dan considered the two most comfortable chairs known to him: his grandmother's old-fashioned porch rocker and his dentist's chair. These ideas, coupled with the desire to create a product that was suitable for all people, including those with physical limitations, were the genesis for the development of what finally evolved into The Relaaaxer.

The Relaaaxer Company invites you to come and "sit-a-spell" with The Relaaaxer, the world's only rocking, reclining, folding chair.

Contact: Mop Prime, VP
Smith-Felver & Prime, Ltd.
215-794-8937
mopprime@comcast.net

This press release distributed by PRWEB ( http://www.prwebdirect.com/ ), a service of eMediaWire.

Source: Smith-Felver & Prime, Ltd.

CONTACT: Mop Prime, VP of Smith-Felver & Prime, Ltd., +1-215-794-8937,
or mopprime@comcast.net, for Relaaaxer Company

Web site: http://www.relaaaxercompany.com/

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Profile: insurance

Get Away to Stay in Touch!

2005-09-13T02:32:00.000-07:00

Get Away to Stay in Touch!

K-Y(R) Brand Declares September 17, 2005 the Second Annual NATIONAL DATE NIGHT(TM)

SKILLMAN, N.J., Sept. 13 /PRNewswire/ -- How many times a day do you imagine you and your partner "getting away" from it all? Getting away doesn't have to be a trip for two to a tropical island -- it's simply escaping everyday stresses to spend quality time alone with your partner. According to a recently commissioned K-Y(R) Brand survey of women between the ages of 25 and 65 who have been in a committed relationship for three years or more, couples are too caught up in the distractions of daily life to spend real romantic time with each other. Seventy-six percent of women surveyed wish they could spend more romantic "alone" time with their partner. Instead, couples claim they are sleeping, working or taking care of the kids rather than spending quality time together. For this reason, K-Y(R) Brand has declared September 17, 2005 the second annual K-Y(R) Brand NATIONAL DATE NIGHT(TM) -- a designated night to drop everything and spend that much needed time with your spouse.

(Logo: http://www.newscom.com/cgi-bin/prnh/20050913/NYTU055LOGO )

This year, K-Y(R) Brand has partnered with Tango, the new magazine about relationships, to celebrate K-Y(R) Brand NATIONAL DATE NIGHT(TM). The need to revive romance between couples united the two parties, and now K-Y(R) Brand and Tango are determined to motivate couples to get away to stay in touch! In other words, reconnect, and what better day to do it than on date night, September 17th.

K-Y(R) Brand NATIONAL DATE NIGHT(TM) encourages couples to "get away" and take part in activities that reinvigorate the romance in their relationship. According to renowned relationship expert and author Lana Holstein M.D., "Massage is the perfect gift for your intimate partner at the end of a hectic day." Give a massage with the new K-Y(R) Brand TOUCH MASSAGE(TM) oils, available in five sensual aromas, and you'll instantly be transported to a dreamy destination. Dr. Holstein adds, "Touch without demand is not only a tool for love, but also a profound means of reestablishing connection for committed, yet often distracted, couples."

According to the survey, 57 percent of women say "getting away" from their normal routine means taking a vacation away from home -- but it doesn't have to be! Andrea Miller, founder of Tango attests, "K-Y(R) Brand NATIONAL DATE NIGHT(TM) is the perfect excuse for all couples to go out and do something fun together. It's especially easy, once you have been together for some time, to get complacent, which is why we're really encouraging those who are married to go on an actual date -- even book a hotel room for the night!"

Check out the latest issue of Tango, on shelves September 13 or visit http://www.ky.com/ for more information and tips on how you can truly enjoy K-Y(R) Brand NATIONAL DATE NIGHT(TM). Mark it on the calendar; K-Y(R) Brand NATIONAL DATE NIGHT(TM) is September 17, 2005!

About K-Y(R) Brand TOUCH MASSAGE(TM) Body Massage Oils

K-Y(R) Brand TOUCH MASSAGE(TM) is a new line of scented body massage oils from K-Y(R) Brand. The unique formulation gently glides onto skin, providing the ideal surface for a full body massage. The products have been tested with massage therapists and skin care experts to guarantee an enjoyable, gentle experience. The five available scents are: PARIS TWILIGHT(TM), BALI MOONLIGHT(TM), FIRESIDE(TM), SAPPHIRE GLOW(TM) and SECRET GROVE(TM). In addition, K-Y(R) Brand TOUCH MASSAGE(TM) 2-in-1 WARMING(TM) is the first and only warming body massage and personal lubricant in one and the only body massage product that creates a warming sensation on contact. The unscented formula glides gently on the skin and is condom compatible. K-Y(R) Brand TOUCH MASSAGE(TM) products are available at drug, food and mass retailers at the suggested retail price of $10.99.

About Tango

Tango is the trademark of Tango Publishing Inc. -- a privately funded company which also operates a full service website, http://www.tangomag.com/. Tango has sales and editorial offices in Manhattan, New York. The independently published title sells for a cover price of $4.99 and will publish four issues in 2005 at a rate base of 100,000. Tango is distributed nationwide by Comag Marketing Group, LLC (CMG), a jointly owned company of the Hearst Corporation and Conde Nast Publications.

Photo: http://www.newscom.com/cgi-bin/prnh/20050913/NYTU055LOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: K-Y Brand

CONTACT: Alyssa Fromkin, +1-212-367-6938, alyssa.fromkin@eurorscg.com,
or Shauna Alexander, +1-212-367-6622, shauna.alexander@eurorscg.com, both of
Euro RSCG Magnet, for K-Y Brand

Web site: http://www.ky.com/
http://www.tangomag.com/

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Profile: insurance

PeoplePC Online Partners With the 'Coupon Mom' to Launch www.saveamillion.net

2005-09-13T02:23:00.000-07:00

PeoplePC Online Partners With the 'Coupon Mom' to Launch www.saveamillion.net

Campaign Offers Tips to Help Individuals and Families Save More Than $1.5 Million Over 25 Years

SAN FRANCISCO, Sept. 13 /PRNewswire/ -- Today, saving is a challenge for many Americans -- especially with soaring prices at the gas pump and in the grocery market check-out line. To help consumers get more value from their hard earned dollars, PeoplePC, a leading provider of high-quality, value- priced Internet service and subsidiary of EarthLink (NASDAQ:ELNK), has launched the "Save a Million" campaign (www.saveamillion.net).

Partnering with "Coupon Mom" Stephanie Nelson, national consumer expert and mother of two, PeoplePC created www.saveamillion.net to offer tips and resources that can help families grow their nest eggs to approximately $1.5 million over the next 25 years. In addition to practical ways to uncover great values on Internet access, gas, groceries and entertainment, the Web site includes helpful resources for earning interest on savings, paying down mortgages and managing family finances.

"Everyone wants to save a million dollars, but not every one knows how," said Nelson, "As PeoplePC's value expert, I am helping consumers cut costs and make the most of their hard earned dollars. By sticking to a plan and following the budgeting and money management advice offered at www.saveamillion.net, anyone can become a millionaire."

"A commitment to helping consumers get an outstanding value for a reasonable price has made PeoplePC the nation's fastest growing ISP with more than one million members. The same commitment drove us to launch the 'Save a Million' campaign," said Hilary Jensen, PeoplePC's vice president of product marketing. "With the "Coupon Mom's" advice, Americans can boost their bank accounts not only by saving on Internet access, but saving in virtually every aspect of their lives."

Top Ways to Save Your Way to $1.5 Million:

The "Coupon Mom" offers eleven easy steps consumers can take to save their ways to $1.5 million dollars (based on 2005 prices). For example:

1. Focus on your fixed expenses. Keep a regular check of your basic
household expenses, such as phone and Internet access, to make sure
you're taking advantage of the most competitive rates available. Bag
a bargain with a value ISP such as PeoplePC (www.peoplepc.com)
that offers affordable Internet access for $10.95 per month and
includes e-mail virus protection, spam controls, and pop up blocker.
Savings potential if invested: $11,467 over 25 years.
2. Eat smart. Spend less. After housing and auto costs, food costs are
typically the third highest expense in a household budget. So, plan a
week's meals around your grocer's weekly sales and coupons, check out
www.couponmom.com frequently and only buy items on your
shopping list. Use coupons and discounted restaurant gift
certificates when eating out. Save an average of $112 per month.
$97,660 over 25 years.
3. Pack some fruit. Save your loot. If you're in the habit of buying
lunch on the run or picking up a daily latte at the coffee shop, you
could save time, money and calories by drinking your daily dose of
caffeine at home and packing lunch to bring with you. This simple
change could save $5 to $10 per day. $95,110 over 25 years.

For the "Coupon Mom's" full list of tips that add up to $1.5 million, insider ways to save and an opportunity to submit questions, visit www.saveamillion.net.

About PeoplePC

PeoplePC, an EarthLink company (NASDAQ:ELNK), is a leading provider of high-quality, value-priced Internet service through its PeoplePC Online brand. PeoplePC is committed to making it easy and affordable for consumers to get online. The PeoplePC platform ensures quality connections and fewer busy signals though the use of proprietary Smart Dialer technology. Visit us at www.peoplepc.com.

About Stephanie Nelson, Coupon Mom and Value Expert For PeoplePC

Stephanie Nelson, The Coupon Mom(TM), and value expert for PeoplePC, specializes in helping consumers become savvier about finding every day bargains and value. As the Coupon Mom, www.couponmom.com/, Stephanie is a regular contributor on ABC News' Good Morning America, providing advice on how to save by being smart with coupons on everything from groceries, gasoline and theme. Stephanie's Virtual Coupon Organizer, a coupon-organizing tool, has helped thousands of families get better deals. Stephanie holds a degree in finance and has ten years of experience as a sales executive with Procter & Gamble and Marriott Hotels. Founder of the "Cut Out Hunger" program, Stephanie also advises consumers on how to help buy groceries with coupons to help fill community food banks and soup kitchens. In her first book, Greatest Secrets of the Coupon Mom, Stephanie shares her trademark saving techniques and offers inspirational stories from families who have followed her advice and given to charities.

Source: PeoplePC

CONTACT: Deisha Galberth of PeoplePC, +1-404-748-7146, or
Galberth@corp.earthlink.net

Web site: http://www.saveamillion.net/
http://www.peoplepc.com/
http://www.couponmom.com/

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Profile: insurance

Greek Thought Leader Shares Post-Labor Day Wisdom on the Anatomy of a 'DIY'er

2005-09-13T02:22:00.000-07:00

Greek Thought Leader Shares Post-Labor Day Wisdom on the Anatomy of a 'DIY'er

CHICAGO, Sept. 13 /PRNewswire/ -- While most people spent Labor Day weekend getting some R&R, many Americans determined if working for oneself will pave the way to greener pastures. To be sure, self-starting professionals are changing how they perform business operations -- as well as their daily lives.

While Americans are more willing to fix a plumbing problem (54.6%) than climb a mountain (15.8%), they are also just as likely to start their own business. So says Chicago-based Socrates ( http://www.socrates.com/ ), a national DIY legal solutions provider who recently polled more than 1,000 Americans on issues relating to activities completed without outside professional help.

The do-it-yourself (DIY) mentality is moving away from hardware stores and into people's daily routines, according to Socrates' research. Answers revealed in the survey confirmed this DIY trend extends beyond pipes and drains; it is impacting businesses owners, operations and media usage.

The Rise of DIY Lifestyle & the "Reality TV Effect"

Consumers are taking control of everything -- from the way they shop and manage real estate to operating a business. The DIY lifestyle is indicative of how people use outside resources. Consider the following:

-- 54.9% of survey respondents would start a business on their own.
-- 57.7% of those surveyed said they would lease or rent property and
49.3% said they would complete a contract negotiation without the help
of a professional.
-- In terms of shopping habits, 93.5% of respondents preferred searching
online to learn more about products and services they plan to purchase
-- higher than asking a friend or family member or reading material
from articles and catalogs.
-- When searching the Internet for information on products and services
they plan to purchase, 94% use a general search engine versus the
specific Web site. One conclusion is that consumers want to do their
own research to ensure all views are presented. They might not trust
information directly from the product's site.

"Technology has changed how we view resources and do things on our own. This survey shows how powerful self-reliance has become," said Socrates Consumer Marketing Director Michael Kahn. "The fast-paced transfer of knowledge is allowing more people to see what options are available in the business world -- options beyond the norm."

Reality and informational shows on mainstream and cable channels, alike, have given Americans the lift they needed to attain their dreams. This newfound knowledge is helping to boost consumer confidence in DIY projects, concurrently supporting the growth of small businesses.

-- Cable television is the preferred news media outlet for 25.5% of
respondents.
-- DIY-supporting retailers such as Wal-Mart, Office Depot, Lowe's,
Staples, and Home Depot topped the list of stores most often visited
in the past six months.

"Everyday people now have motivation to leave their prior existence behind in order to start a new life with personal gratification and meaning," Kahn said. "Business products and services need to be conscious of this societal trend to ensure their products are meeting new needs."

The Anatomy of a Small Business Owner

Being your own boss allows the business freedom that we all crave, but what are small business owners really doing during the day? Socrates' "small business time clock" details a day in the life of the typical small business owner. Such duties include:

-- Information gathering. 28.4% of small business owners listen to the
radio 4-8 hours a day. This could also be interpreted as
multi-tasking -- absorbing information while working.
-- Net surfing. Most entrepreneurs are Internet-savvy, but may not be
using lightning fast connections for better work productivity
(72.7% were connected to the internet through Broadband and spent
4-8 hours surfing the net for unrelated work research).
-- Keeping the ship afloat. Many small business owners do it all --
payroll, accounting, managing employees, collecting debts, AND holding
responsibility for the company's products or services. Socrates
suggests small business owners learn about the DIY legal options
available for small businesses either through its array of products or
through other sources.
-- Seeking a key shipmate. When asked what one source of information or
entertainment they would have if marooned on a deserted island, more
than half of small business owners said their computer with a wireless
internet connection. Only one said "wife."

Society is redefining the role of consultants and the self-employed -- they're not just sitting behind the desk. Many small business owners chart their own course with a desire to seek life change -- pace, pay, goals, etc. Each new business expedition encounters stress and anxiety, but those squalls can be diverted with concise planning and support materials.

"We believe small business owners should focus more on performance, not process. Socrates materials are designed with the independent philosophy in mind," said Kahn. "They can assist in charting a more streamlined course toward business success."

Socrates is the leading brand of needed know-how solutions for individuals and small businesses. The Socrates brand offers thousands of relevant, compliant, comprehensive and lower cost do-it-yourself alternatives to high-cost legal and professional services. These forms, kits, software, guides, books, downloadables and completion services help consumers solve everyday legal, finance and business management matters themselves. Socrates offers its products through retailers, marketing partners and direct online through http://www.socrates.com/ .

Source: Socrates

CONTACT: Amy Francis or Michael Shmarak, for Socrates, +1-312-587-7677

Web site: http://www.socrates.com/

NOTE TO EDITORS: Full results of the survey are available upon request.

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Profile: insurance

Expedia(R) Corporate Travel International Agents Offer Business Travelers Tips for Flying Abroad This Season

2005-09-13T02:07:00.000-07:00

Expedia(R) Corporate Travel International Agents Offer Business Travelers Tips for Flying Abroad This Season

BELLEVUE, Wash., Sept. 13 /PRNewswire/ -- Meeting investors in Munich? Courting clients in London? The success of your international business venture may hinge on your willingness to turn to professional travel planners for help.

"International air travel isn't as straight forward as domestic travel," says Renee Robison, an International Reservation agent for Expedia(R) Corporate Travel, the world's No. 1 on-demand, full-service corporate travel agency. "Because we have experience in the field and have so many different travel options available to us, we can often come up with itineraries that save travelers time and money."

The price of most round-trip international airline tickets is calculated in the currency of the country in which the journey begins. The difference in currency values can make the cost of a flight from one of these nations much cheaper than a ticket issued in dollars.

Experienced international rate agents, such as those at Expedia Corporate Travel, can often issue each leg of a round-trip ticket in the currency of the country where that flight originates. So, instead of a regular round trip ticket from the United States, travelers buy one ticket from here to there in dollars, and a second ticket for the return portion in the currency of the country they're visiting.

"By splitting the ticket for a round-trip flight, we're often able to save a traveler hundreds or even thousands of dollars depending on the complexity of the trip," says Robison.

Expedia(R) Corporate Travel's International Rate Desk makes and reviews clients' complex, multi-leg international reservations. Based on the traveler's preferences, agents evaluate different fare combinations in order to take advantage of directional type fares, split ticketing and currency exchange considerations. Members of the International Rate Desk are among the most senior within Expedia(R) Corporate Travel; the team averages 19 years travel industry experience.

Expedia(R) Corporate Travel's International Rate Desk agents offer these tips to ease your next trip abroad:

-- Check the standard work days and business hours in the countries
you'll be visiting. In some Middle Eastern countries, for example, the
work week generally runs from Saturday to Thursday. In some regions,
two- to four-hour lunches are common. Also be sure to take foreign
holidays into consideration when planning your business trip or
meeting.
-- Understand that what's considered "standard" in terms of
accommodations or transportation in one country may be luxurious in
another. In many countries, for example, rental cars rarely come with
air conditioning or automatic transmission.
-- Business travelers who plan to carry product samples with them should
be aware they may be required to pay import duties. In some countries,
duties and extensive customs procedures on sample products may be
avoided by obtaining an ATA (Admission Temporoire) Carnet. The ATA
Carnet is an international customs document used to obtain duty-free
temporary admission of certain business-related goods into the
countries that are signatories to the ATA Convention. Experienced
international travel agents can advise travelers about requirements
for specific destinations.
-- Requirements for vaccinations differ from country to country; your
travel agent can guide you toward specific rules. In some cases,
vaccinations against typhus, typhoid, and other diseases are advisable
even when they are not required.
-- Find out what kinds of power adaptors or modem connections you'll need
in order to use your laptop or other electronic devices abroad. Some
hotel gift shops carry adaptors, but you might want to pick one up
before you leave to ensure you have it upon arrival.
-- Familiarize yourself with the local currency and exchange rates. Some
business travelers find it useful to exchange a small amount of money
before departing for their trip so they arrive at their destination
with local currency to pay a road toll or tip a bellman. Once you get
to your destination, avoid the service fees charged by exchange booths
and visit a bank to get your local currency.
-- Be certain your passport is current. Know that some countries will not
permit you to enter and will not place a visa in your passport if the
remaining validity is less than six months. Family members are not
permitted to be included in each other's passports; even newborn
babies need their own passports to travel.
-- Make photocopies of your credit cards, ID, and passport. Pack the
copies in a separate bag. If your originals are lost or stolen, the
duplicates will likely make replacement and reporting the loss easier.
-- "Travel Warnings" and "Public Announcements" are issued when the
United States Department of State recommends deferral of travel by
Americans to a country because of civil unrest, dangerous conditions,
terrorist activity, or because the United States has no diplomatic
relations with the country. Travel Warnings and Public Announcements
may be heard at any time by dialing the Office of Overseas Citizens
Services, American Citizens Services and Crisis Management, Bureau of
Consular Affairs at (202) 647-5225 or at http://travel.state.gov/ .
-- Don't assume corporate travel agencies' international rate desks only
serve Fortune 500 companies. Even small companies can benefit from the
expertise and experience of veteran international agents.

About Expedia(R) Corporate Travel

Expedia Corporate Travel is the No. 1 on-demand, full-service travel agency based on the total number of customer bookings through a single source including online and agent assisted. As part of Expedia, Inc., (NASDAQ:EXPE), one of the world's leading online travel services companies and the third largest travel agency in the United States, Expedia(R) Corporate Travel brings together the best of technology and corporate support in a single-source solution that drives down costs. Business travelers have access to specialized tools, while companies can take advantage of rich management and reporting features.

Expedia and the airplane logo are either registered trademarks or trademarks of Expedia, Inc. in the U.S., Canada and/or other countries. The names of actual companies and products mentioned herein may be trademarks of their respective owners.

Source: Expedia Corporate Travel

CONTACT: Julie Connolly, of Edelman for Expedia Corporate Travel,
+1-312-233-1246, julie.connolly@edelman.com

Web site: http://www.expediacorporate.com/
http://travel.state.gov/

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Profile: insurance

CPSC, Sony Computer Entertainment America Inc. Announce Recall of Certain AC Adaptors Sold with Slim Version PlayStation(R) 2 Systems

2005-09-12T21:05:00.000-07:00

CPSC, Sony Computer Entertainment America Inc. Announce Recall of Certain AC Adaptors Sold with Slim Version PlayStation(R) 2 Systems

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO )

Name of product: Certain AC Adaptors sold with slim version PlayStation(R) 2 Systems

Units: About 843,000

Importer: Sony Computer Entertainment America Inc., of Foster City, Calif.

Hazard: The recalled AC adaptors can overheat and melt. This poses the risk of fire, burn and shock injuries to consumers.

Incidents/Injuries: Sony Computer Entertainment America has received 38 reports of adaptors overheating, including 19 reports of melting. There have been four reports of minor property damage, two reports of minor burns and one report of a minor shock.

Description: The recall involves AC adaptors with the following date codes: 2004.08, 2004.09, 2004.10, 2004.11 and 2004.12 and serial numbers beginning with "F3". The date code is located in a white box on the lower right hand portion of the adaptor's label. Just below the date code box is a serial number beginning with "F3" followed by a series of digits. Adaptors with other date codes and without the "F3" serial numbers are not included in this recall. The AC adaptors were sold with slim version PlayStation(R) 2 consoles with model number SCPH-70011 or SCPH-70012. The PlayStation(R) 2 model number is located on a label at the base of the slim console.

Sold at: Electronics, toy and computer game stores nationwide, as well as Web retailers, from October 2004 through August 2005 for about $150 for the complete system.

Manufactured in: China

Remedy: Consumers should stop using the recalled AC adaptors immediately and contact Sony Computer Entertainment America to receive a free replacement adaptor. Consumers should carefully unplug the recalled adaptors from the wall outlet and allow to cool before handling.

Consumer Contact: For additional information, call Sony Computer Entertainment America toll-free at (888) 780-7690 between 6 a.m. and 8 p.m. PT Monday through Saturday, and between 7 a.m. and 6:30 p.m. PT Sunday, or visit the firm's Web site at http://www.us.playstation.com/.

The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under the agency's jurisdiction. Deaths, injuries and property damage from consumer product incidents cost the nation more than $700 billion annually. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard. The CPSC's work to ensure the safety of consumer products -- such as toys, cribs, power tools, cigarette lighters, and household chemicals -- contributed significantly to the 30 percent decline in the rate of deaths and injuries associated with consumer products over the past 30 years.

Firm's Recall Hotline: (888) 780-7690

CPSC Recall Hotline: (800) 638-2772

Photo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

CONTACT: U.S. Consumer Product Safety Commission Media, +1-301-504-7908;
or Rick Heineman of Sony Computer Entertainment America Inc., +1-310-854-4812,
Rheineman@bncpr.com

Web site: http://www.cpsc.gov/
http://www.us.playstation.com/

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Profile: insurance

WealthTV in High Def Expands in Arizona

2005-09-12T18:29:00.000-07:00

WealthTV in High Def Expands in Arizona

Western Broadband to Launch WealthTV in Three Arizona Communities

SAN DIEGO, Sept. 12 /PRNewswire/ -- WealthTV, the premier lifestyle and entertainment network, today announced that it has completed a long-term agreement with Western Broadband, LLC, to bring WeatlhTV to the communities of Saddlebrooke, SunBird, and Casa Grand, Arizona. Television viewers in these communities will soon be able to enjoy WealthTV's original and compelling programming featuring shows on exotic travel to luxurious lifestyles to programs on the latest medical advances, in standard digital and crystal clear high definition.

"Western Broadband is committed to providing our viewers with unique and original programming that offers not only a high entertainment value, but also delivers substance", stated Neal Schnog, President and CEO of Western Broadband, LLC. "WealthTV delivers highly entertaining programming with an informative take-away component. And by offering WealthTV to our customers in digital and high definition, we're enhancing their value and viewing experience."

Western Broadband follows a number of successful WealthTV launches from a myriad of cities from Los Angeles, California to Stanford, Maine carried by numerous MSOs, including Charter Communications, Verizon, Armstrong, WOW, US Cable, Insight Communications, Champion Broadband, and many others. WealthTV features a wide range of family-friendly, aspirational programming from exotic travel to entertaining and educational shows all designed to have broad appeal.

"We're excited to join the basic and high definition programming line-up at Western Broadband and give additional viewers in Arizona the opportunity to experience and enjoy WealthTV" stated Charles Herring, President of WealthTV. "WealthTV's broad appeal and ability to allow viewers to live the American dream now by simply watching their TV, will deliver what viewers in Arizona are seeking and dreaming of."

About WealthTV

WealthTV is the premier lifestyle and entertainment network -- the destination for exclusive and original programming, simultaneously transmitted in high definition and standard definition. WealthTV delivers to viewers informative shows that provide invaluable insights on what every American dreams of -- from travel secrets to fast cars, from better etiquette to better investing, and much more. Televised 24 hours a day, 7 days a week, viewers of WealthTV consider themselves to be successful wherever they may be in life. The network fills a television vacuum by delivering intellectually stimulating, thought-provoking entertainment and always-unbiased news from an insider's perspective. For more information, please visit www.wealthtv.net.

For more information, contact:

Dean Harris
WealthTV
858-270-6900
Dean.harris@wealthtv.net

Source: WealthTV

CONTACT: Dean Harris of WealthTV, +1-858-270-6900,
Dean.harris@wealthtv.net

Web site: http://www.wealthtv.net/

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Profile: insurance

DoD Begins Health Care Outreach to Military Personnel Affected by Hurricane Katrina

2005-09-12T15:44:00.000-07:00

DoD Begins Health Care Outreach to Military Personnel Affected by Hurricane Katrina

FALLS CHURCH, Va., Sept. 12 /PRNewswire/ -- As recovery and relocation efforts continue in the aftermath of Hurricane Katrina, the Department of Defense (DoD) is embarking on an aggressive outreach to nearly 360,000 active duty military personnel, retirees and their families displaced by the storm.

TRICARE Management Activity (TMA), the DoD agency that administers the military's health plan, has beneficiaries who have been relocated to approximately 474 evacuee sites across the United States. TRICARE is dispatching staff to a number of sites to provide face-to-face counseling for affected beneficiaries. They will advise them how to access care and answer questions about their health benefit options.

"Providing accurate information and assisting with access to medical care for our beneficiaries are priorities for TRICARE under these very difficult circumstances," said Dr. William J. Winkenwerder Jr., assistant secretary of defense for Health Affairs. "In this time of need, all of our beneficiaries should know that TRICARE stands ready to assist them, and very shortly we will have personnel on the ground to help advise and assist."

TRICARE will deliver to evacuee shelters materials such as wallet cards, fact sheets and benefit overviews for affected beneficiaries that list customer service contacts, phone numbers, Web sites and special benefits for hurricane victims. Materials delivery will begin September 12.

Displaced beneficiaries should call Humana Military Healthcare Services, the contractor for the South region, at 1-800-444-5445 for more information. The TRICARE Web site, http://www.tricare.osd.mil/, also includes important information for displaced or affected beneficiaries.

Beneficiaries may also contact beneficiary counseling and assistance coordinators (BCACs), debt collection assistance officers (DCAOs), TRICARE service centers and family support representatives at local military installations. Other resources available to active duty military personnel and their families include Military One Source at 1-800-342-9647 or http://www.militaryonesource.com/.

Source: TRICARE Management Activity

CONTACT: Linda Foote, Deputy Director, Office of Communications,
Communications and Customer Service, TRICARE Management Activity,
Department of Defense, Health Affairs, +1-703-681-1765 or
linda.foote@tma.osd.mil

Web site: http://www.militaryonesource.com/

Web site: http://www.tricare.osd.mil/

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Profile: insurance

XL Capital Ltd Comments on Estimates Regarding Hurricane Katrina and Other Third Quarter 2005 Natural Catastrophes

2005-09-12T14:36:00.000-07:00

XL Capital Ltd Comments on Estimates Regarding Hurricane Katrina and Other Third Quarter 2005 Natural Catastrophes

HAMILTON, Bermuda, Sept. 12 /PRNewswire-FirstCall/ -- XL Capital Ltd (NYSE:XL) ("XL" or the "Company") today announced that, based on initial analyses performed by the Company and preliminary estimates received to date, it estimates that XL's net losses (excluding net reinstatement premiums) relating to Hurricane Katrina will be in the range of approximately one and three quarters per cent of the industry loss. This estimate is consistent with XL's expectation for an event of this profile. The Company expects that the loss adjustment process for Hurricane Katrina will be protracted due to the complexity of the event. Accordingly, this estimate is subject to revision.

Brian M. O'Hara, President and Chief Executive Officer of XL, commented: "We believe that Hurricane Katrina could become the most costly natural catastrophe for our industry to date. Clearly, it has had unprecedented human costs and our sympathies go out to all of the victims and their families whose lives have been impacted by this tragic event."

The Company also announced that it expects XL's combined estimated losses relating to the other natural catastrophes, including the European Floods, that occurred during the third quarter of 2005 will be approximately $80 million pre-tax.

Mr. O'Hara further commented: "Hurricane Katrina and the other third quarter natural catastrophes will adversely affect XL's third quarter 2005 results. While these loss estimates impact XL's previous guidance for 2005, we still anticipate an operating profit for the year barring any further significant adverse events."

"We will be working closely with our customers over the upcoming months in addressing their losses in a manner reflective of XL's commitment to those customers."

"We also believe that XL is well-positioned to participate in the upcoming renewal season as we expect no fundamental change in our risk appetite."

XL Capital Ltd, through its operating subsidiaries, is a leading provider of insurance and reinsurance coverages and financial products and services to industrial, commercial and professional service firms, insurance companies, and other enterprises on a worldwide basis. As of June 30, 2005, XL Capital Ltd had consolidated assets of approximately $53.3 billion and consolidated shareholders' equity of approximately $8.4 billion. More information about XL Capital Ltd is available at http://www.xlcapital.com/ .

This press release contains forward-looking statements about the estimated effects of natural catastrophes that occurred during the third quarter of 2005 on the Company's results of operations and financial condition. Such statements involve inherent risks and uncertainties. Statements that are not historical facts, including statements about XL's beliefs or expectations, are forward-looking statements. These statements are based on current plans, estimates and expectations. Actual results may differ materially from those projected in such forward-looking statements and therefore you should not place undue reliance on them. A non-exclusive list of the important factors that could cause actual events or results to differ materially from those in such forward-looking statements include the preliminary nature of reports and estimates of loss to date, the limited ability of claims personnel to make inspections to date and the other important factors set forth in XL's most recent annual report on Form 10-K, quarterly report on Form 10-Q and XL's other documents on file with the Securities and Exchange Commission. XL undertakes no obligation to update or revise publicly any forward-looking statement, whether as a result of new information, future developments or otherwise.

Source: XL Capital Ltd

CONTACT: Lily B. Outerbridge, Investor Relations, +1-441-294-7345, or
Roger R. Scotton, Media Relations, +1-441-294-7165, both of XL Capital Ltd

Web site: http://www.xlcapital.com/

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Profile: insurance

SickofLawsuits.org's National Education Campaign Reveals Americans' Concerns About Lawsuit Abuse and Healthcare

2005-09-12T14:18:00.000-07:00

SickofLawsuits.org's National Education Campaign Reveals Americans' Concerns About Lawsuit Abuse and Healthcare

WASHINGTON, Sept. 12 /PRNewswire/ -- Seventy-nine percent of Americans are concerned that frivolous lawsuits make it harder for them and their families to get affordable healthcare, according to a survey released today by SickofLawsuits.org.

As part of the group's public education campaign kickoff, advertisements announcing new survey findings will appear in the next four Monday editions of Roll Call, leading up to Lawsuit Abuse Awareness Week (October 3-7).

"Americans undoubtedly consider lawsuit abuse to be a significant barrier to quality healthcare," said Sick of Lawsuits spokesperson Dr. Evelyn Tobias- Merrill, a physician from Corpus Christi, Texas and board member of Bay Area Citizens Against Lawsuit Abuse. "These survey results make it painfully clear that we need meaningful legislative reforms to protect our healthcare system from abuse."

The campaign will run half-page print advertisements to raise legislators' awareness about Americans' concerns over the need for legal reform. SickofLawsuits.org is planning a national television advertising buy for the fall to encourage citizens to help stop lawsuit abuse and protect America's healthcare system.

"We are running the ads to let our representatives in Washington know that legal reform continues to be a major issue for Americans," said Dr. Tobias- Merrill. "We hope Congress will protect our healthcare system from unscrupulous personal injury lawyers and frivolous lawsuits before it is too late."

The national survey of 800 likely voters was conducted by Public Opinion Strategies on behalf of SickofLawsuits.org during August 16-18, 2005. The margin of error is + 3.5%.

SickofLawsuits.org is a nonpartisan, grassroots campaign of Citizens Against Lawsuit Abuse, representing more than 165,000 supporters across the country including doctors, healthcare professionals, small business owners, attorneys and other individuals from all walks of life. Persons interested in more information or becoming active on lawsuit abuse and healthcare issues can visit http://www.sickoflawsuits.org/.

Source: SickofLawsuits.org

CONTACT: Dr. Evelyn Tobias Merrill of SickofLawsuits.org,
+1-800-476-1442

Web site: http://www.sickoflawsuits.org/

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Profile: insurance

CPSC Warns of New Dangers to Gulf Coast Victims of Hurricane Katrina

2005-09-12T14:12:00.000-07:00

CPSC Warns of New Dangers to Gulf Coast Victims of Hurricane Katrina

Carbon Monoxide Danger from Portable Generators

B-ROLL FEEDS:
Tuesday, September 13, 2005
10:30-11 AM ET
2:00-2:30 PM ET

The U.S. Consumer Product Safety Commission is announcing a major initiative urging hurricane victims to avoid potentially fatal carbon monoxide poisoning from portable generators. CPSC is working with CDC and all of the nation's largest retailers to warn consumers NEVER to use portable generators inside their home or attached garage.

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO )

There have been numerous carbon monoxide poisoning deaths and injuries to Gulf Coast residents stemming from the unsafe use of outdoor portable generators in the aftermath of Hurricane Katrina.

CPSC also urges those in the path of Hurricane Ophelia to use generators safely.

The CPSC warns those without power never to use charcoal grills inside a home. Burning charcoal in an enclosed space can produce lethal levels of carbon monoxide poisoning.

WHAT YOU'LL GET:

FOOTAGE of a portable generator being started up and used outside of a
home, a charcoal grill used outside a home.
SOUNDBITES (English and Spanish) with Hal Stratton, Chairman, U.S.
Consumer Product Safety Commission

Complete press release available at www.cpsc.gov.

Satellite Coordinates (C-Band) and Times: All times Eastern

Date: September 13, 2005 September 13, 2005
Time: 10:30-11:00 AM ET 2:00-2:30 PM ET
C-Band: IA 5, Transponder 13 IA 5, Transponder 13
Downlink: 3960V MHz 3960V MHz
Audio: 6.2 & 6.8 6.2 & 6.8

This feed is sponsored by CPSC and is for your free and unrestricted use. For problems with the satellite feed please call master control during feed at 212-684-8910, x221

CONTACT: CPSC Contact: Public Affairs: +1-301-504-7908.

PRNewswire -- Sept. 12

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

Web site: http://www.cpsc.gov/

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Profile: insurance

Woodmen of the World Providing Hope to Hurricane Victims; Wedding Planned for Evacuees at Woodmen Shelter Site

2005-09-12T14:09:00.000-07:00

Woodmen of the World Providing Hope to Hurricane Victims; Wedding Planned for Evacuees at Woodmen Shelter Site

OMAHA, Neb., Sept. 12 /PRNewswire/ -- From food operations serving 4,000 meals a day, to youth-camps-turned evacuee shelters, Woodmen of the World, a leading fraternal benefit organization, has mounted a massive relief effort following Hurricane Katrina.

In Murray, Ky., 115 evacuees from New Orleans are being sheltered at a Woodmen camp. The camp has become a true community, which includes a wedding between two evacuees scheduled for September 15. Camp organizers have set up an evacuees' elder's council, provided health services and are holding weekly town meetings.

To date, Woodmen volunteers have placed 40 evacuees in jobs, enrolled 32 children in schools and helped 38 obtain driver's licenses. Two evacuees have given birth since the group arrived on September 4.

Another two evacuees were recently reunited with family in Atlanta. The family had already conducted a memorial service for the two, thinking they had not survived the flood. They saw their relatives' names on an online camp registry.

Local companies are installing windows, air conditioning units and cable television in the camp's dormitories to make life more comfortable. "We consider them family," said Woodmen Fraternal Coordinator Mark Anderson. "People staying at the camp have said we're giving them back their dignity." Woodmen camps in Louisiana, Mississippi, Georgia and Tennessee are also serving as Red Cross shelters.

Even as Katrina delivered its shattering blow to the Gulf Coast, Woodmen began mobilizing volunteers and supplies. And as survivors staggered out of the rubble looking for help, Woodmen volunteers were there.

In Gulfport, Miss., a mobile cooking operation has served 30,000 meals to hurricane victims. The operation continues to serve thousands of meals a day and Woodmen volunteers are clearing downed tree limbs, providing generators and helping survivors repair homes.

Water, food, ice and other supplies have been provided to hurricane victims in communities along the Gulf Coast. In Texas, Woodmen distributed teddy bears to 2,000 children in area shelters.

Donations from Woodmen lodges, employees and members are helping fund the relief effort. Go to http://www.woodmen.com/inside.cfm?Main_menu_id=6&Page_id=181 for details.

Woodmen is a fraternal organization offering insurance protection with member benefits. Woodmen's 2,000 lodges conduct volunteer projects that benefit individuals and communities. Woodmen has had a disaster relief partnership with the American Red Cross since 1998.

Source: Woodmen of the World

CONTACT: Terry Barrio of Woodmen of the World, +1-402-997-7963; or cell
+1-402-598-4329 or tbarrio@woodmen.com

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Profile: insurance

Chittenden to Present at the Lehman Brothers 2005 Financial Services Conference

2005-09-12T13:40:00.000-07:00

Chittenden to Present at the Lehman Brothers 2005 Financial Services Conference

BURLINGTON, Vt., Sept. 12 /PRNewswire-FirstCall/ -- Chittenden Corporation (NYSE:CHZ) announced today that Paul Perrault, President and Chief Executive Officer, and Kirk Walters, Executive Vice President and Chief Financial Officer, will be speaking at the Lehman Brothers 2005 Financial Services Conference on Tuesday, September 13th. Chittenden is scheduled to make its presentation at 4:35 pm. Interested parties can access Chittenden's presentation through an audio web link on the Corporation's website, by clicking on "webcasts". The conference will be held at The Hilton New York.

The Company may answer one or more questions concerning business and financial developments and trends and other business and financial matters affecting the Company, some of the responses to which may contain information that has not previously been disclosed.

Chittenden is a bank holding company headquartered in Burlington, Vermont. Through its subsidiary banks(1), the Company offers a broad range of financial products and services to customers throughout Northern New England and Massachusetts, including deposit accounts and services; commercial, and consumer loans; insurance; and investment and trust services to individuals, businesses, and the public sector. Chittenden Corporation news releases, including earnings announcements, are available on the Company's website.

(1) Chittenden's subsidiaries are Chittenden Trust Company, The Bank of Western Massachusetts, Flagship Bank and Trust Company, Maine Bank & Trust Company, and Ocean National Bank. Chittenden Bank also operates under the name Chittenden Bank, Chittenden Services Group, Mortgage Service Center, and it owns Chittenden Insurance Group, and Chittenden Securities, Inc.

Source: Chittenden Corporation

CONTACT: Kirk W. Walters of Chittenden Corporation, +1-802-660-1561

Web site: http://www.chittenden.com/

Company News On-Call: http://www.prnewswire.com/comp/124292.html

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Profile: insurance

Columbia University Integrates Invisalign(R) Into Dental School Curriculum

2005-09-12T13:34:00.000-07:00

Columbia University Integrates Invisalign(R) Into Dental School Curriculum

SANTA CLARA, Calif., Sept. 12 /PRNewswire-FirstCall/ -- Align Technology, Inc. (NASDAQ:ALGN), the inventor of Invisalign(R), a proprietary method of straightening teeth without wires or brackets, today announced that Columbia University School of Dental and Oral Surgery is integrating Invisalign into its undergraduate and post-graduate curriculum.

"Columbia's program is one of the top-rated in the United States; they have set a standard for quality care and are driven to create technical excellence," said Dr. Lou Shuman, Vice President of Strategic Clinical Relations at Align. "We are very excited to be working with them to help prepare students to treat patients with the Invisalign technique."

New Invisalign-focused coursework will be required of all third year students. After completing an Invisalign certification course, students will be allowed to treat anterior tooth movement cases under the supervision of certified orthodontic residents and faculty members. In April and May of this year, third and fourth year students completed an Invisalign certification course at Columbia University. The next certification course is scheduled for spring 2006.

"We wish to have access to all viable treatment modalities available to our patients and to expose students to all available educational opportunities," said Dr. Thomas J. Cangialosi, Director of Orthodontics for the program. "Integrating the Invisalign technique into our program increases student and restorative faculty awareness of the importance of doing an orthodontic evaluation on each one of their patients who are here for comprehensive dental care."

The School of Dental and Oral Surgery (SDOS) at Columbia University Medical Center, founded in 1917, is located in northern Manhattan. In addition to providing education programs for pre- and post-doctoral candidates, SDOS conducts research in state-of-the-art facilities and oversees an extensive community-based service program for residents in the surrounding community -- a federally designated medical and dental manpower shortage area.

About Align Technology, Inc.

Align Technology designs, manufactures and markets Invisalign, a proprietary method for treating malocclusion, or the misalignment of teeth. Invisalign corrects malocclusion using a series of clear, nearly invisible, removable appliances that gently move teeth to a desired final position. Because it does not rely on the use of metal or ceramic brackets and wires, Invisalign significantly reduces the aesthetic and other limitations associated with braces. Invisalign is appropriate for treating adults and older teens. Align Technology was founded in March 1997 and received FDA clearance to market Invisalign in 1998.

To learn more about Invisalign or to find a certified Invisalign doctor in your area, please visit www.invisalign.com or call 1-800-INVISIBLE.

Investor Relations Contact Press Contact
Barbara Domingo Shannon Mangum Henderson
Align Technology, Inc. Ethos Communication, Inc.
(408) 470-1000 (678) 417-1767
investorinfo@aligntech.comshannon@ethoscommunication.com

Source: Align Technology, Inc.

CONTACT: Investor Relations: Barbara Domingo of Align Technology, Inc.,
+1-408-470-1000 or investorinfo@aligntech.com; or Press: Shannon Mangum
Henderson of Ethos Communication, Inc., +1-678-417-1767 or
shannon@ethoscommunication.com, for Align Technology, Inc.

Web site: http://www.invisalign.com/

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Profile: insurance

Kingsway announces acquisition of HI Holdings

2005-09-12T13:04:00.000-07:00

Kingsway announces acquisition of HI Holdings

TORONTO, Sept. 12 /PRNewswire-FirstCall/ -- Kingsway Financial Services Inc. today announced that it has reached a definitive agreement to acquire HI Holdings, Inc. (HI). The transaction includes HI's wholly owned Zephyr Insurance Company Inc. (Zephyr). HI and Zephyr were formed in 2000 by its current shareholders that include Everest Reinsurance Company, Guy Carpenter & Company, Inc., Hannover Ruckversicherung AG, and Island Holdings, Inc. Subject to regulatory approval, HI and Kingsway expect the sale to close in the fourth quarter of this year. Philo Smith & Co. acted as financial advisor to HI.

"We are extremely pleased with the acquisition of Zephyr Insurance Company," said Bill Star, President & Chief Executive Officer of Kingsway Financial Services, Inc. "This transaction is consistent with our niche business strategy and our interest in acquiring profitable businesses that provide geographic and product diversification. Zephyr is a well run organization and we look forward to the company's continued success as part of Kingsway."

HI Chairman Paul Picardo said, "This is a successful outcome for all parties. Zephyr has developed into the market leader in its business, while serving the needs of the Hawaii community. Kingsway's specialty business focus and long term commitment to the insurance business, align Zephyr with excellent owners. We wish Zephyr's President Richard Toyama and his team success as they transition to Kingsway."

Zephyr is the leading provider of residential hurricane insurance coverage in the State of Hawaii. For the first six months of 2005, Zephyr generated Gross Premiums Written of U$24 million and is projected to write approximately U$50 million in Gross Premiums Written for 2005. Kingsway currently operates in the State of Hawaii through Lincoln General Insurance Company, and American Service Insurance Company is also licenced to transact business in the State.

Conference Call
---------------

The Company will be holding a conference call today at 5:00pm (EDT). The call may be accessed by telephone at 1-800-814-4890. A rebroadcast of the conference call will also be available until midnight on September 19, 2005 by dialing 1-877-289-8525, passcode 21152233 followed by the number sign.

About the Company
-----------------

Kingsway Financial Services Inc. is the largest truck insurer in North America and the sixth largest non-standard automobile insurer in North America according to A.M.Best. Kingsway's primary business is trucking insurance and the insuring of automobile risks for drivers who do not meet the criteria for coverage by standard automobile insurers. The Company currently operates through ten wholly-owned insurance subsidiaries in Canada and the U.S.. Canadian subsidiaries include Kingsway General Insurance Company, York Fire & Casualty Insurance Company and Jevco Insurance Company. U.S. subsidiaries include Universal Casualty Company, American Service Insurance Company, Southern United Fire Insurance Company, Lincoln General Insurance Company, U.S. Security Insurance Company, American Country Insurance Company and Avalon Risk Management, Inc. The Company also operates reinsurance subsidiaries in Barbados and Bermuda. Lincoln General Insurance Company, Universal Casualty Insurance Company, Jevco and Kingsway Reinsurance (Bermuda) are all rated "A-" Excellent by A.M. Best. Kingsway General and York Fire are rated "B++" (very good). The Company's senior debt is rated investment grade "BBB-"(stable) by Standard and Poor's and "BBB" (stable) by Dominion Bond Rating Services. The common shares of Kingsway Financial Services Inc. are listed on the Toronto Stock Exchange and the New York Stock Exchange, under the trading symbol "KFS".

Source: Kingsway Financial Services Inc.

CONTACT: Shaun Jackson, Executive Vice President and Chief Financial
Officer, Tel: (905) 629-7888, Fax: (905) 629-5008, Web Site:
www.kingsway-financial.com

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Profile: insurance

The Benefit Advocates Certified as Woman-Owned Business

2005-09-12T12:28:00.000-07:00

The Benefit Advocates Certified as Woman-Owned Business

WINSTON-SALEM, N.C., Sept. 12 /PRNewswire/ -- The National Women Business Owners Corporation has certified The Benefit Advocates Inc. as a woman-owned business.

The new distinction for the Winston-Salem, N.C.-based provider of patient advocacy and outsourced health-care benefits administration services is expected to further increase business opportunities because of its national recognition in bidding for contracts.

Mary Kesel, president and chief executive officer for The Benefit Advocates (www.benefitadvocates.net), called the certification another important step for the company she founded in 2001 after managing the health and welfare benefits of Wachovia Corporation.

"We're proud to receive this recognition and look forward to further growing our business through the increased partnerships it will allow us to develop with public and private companies and government agencies," said Kesel.

Her company's clients include Denny's, SCANA Corp., SunTrust Bank, N.C. Granite, Deere-Hitachi Construction Machinery Corp. and Greensboro Country Club.

"The corporation's certification is an important seal of assurance for anyone considering doing business with us that we truly are a 'woman-owned business' in every sense of the word -- from our day-to-day leadership to the ownership of every single asset," Kesel said.

Jessica Harris-Lange, president of the National Women Business Owners Corporation, said that certification increases the competitiveness of women- owned businesses by providing a single, recognizable standard for supplier diversity review and verification. Before the certification program, women- owned businesses frequently had to undergo multiple, and often redundant, reviews for each prospective job.

"As a sister organization to the National Association of Women Business Owners and the Center for Women's Business Research, the National Women Business Owners Corporation's certification increases the ability of The Benefit Advocates and other women-owned businesses to compete for corporate and government contracts and other new business," Harris-Lange said.

"Through rigorous certification, we also hope to decrease the number of front companies now falsely participating in corporate and government outreach programs."

The National Business Women Owners Corporation developed its certification process in 1997 in partnership with Dell Computer, Bell Atlantic, IBM and more than 38 other corporations.

Media Contact:
Mary Kesel
President and CEO
The Benefit Advocates
336-721-2029

Source: The Benefit Advocates

CONTACT: Media, Mary Kesel, President and CEO of The Benefit Advocates,
+1-336-721-2029

Web site: http://www.benefitadvocates.net/

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Profile: insurance

Medicare Prescription Drug Card Plan Confuses Seniors, Offers No Real Savings for Many Being Pressured to Enroll

2005-09-12T12:21:00.000-07:00

Medicare Prescription Drug Card Plan Confuses Seniors, Offers No Real Savings for Many Being Pressured to Enroll

WINNIPEG, Manitoba, Sept. 12 /PRNewswire/ -- A study conducted by http://www.universaldrugstore.com/, a leading mail order pharmacy operating in Canada, reveals that contrary to claims of savings for seniors enrolled in the Medicare Prescription Drug Card Plan D, the mandatory plan will in most cases actually cost seniors more than if they choose to fill their prescriptions utilizing savings available from a licensed, registered Canadian pharmacy. The Canadian option over the past 5 years has saved Americans in need of affordable prescription drug coverage an average of 42%.

(Photo: http://www.newscom.com/cgi-bin/prnh/20050912/NYM247 )

The study further reveals that only those seniors that spend between $1656 and $2600 annually in 2006 for their prescription medications will realize any savings greater than what the Canadian option now delivers. In essence, this will amount to savings no greater than 7% on the Canadian prices or $13 or less each month. Outside of that beneficial range the savings realized by ordering through a Canadian pharmacy will be greater, and seniors spending less than $800 per year will actually lose money under Medicare, due to monthly premiums, co-payments on drug purchases and the annual deductible.

Jeff Uhl, president and CEO of www.UniversalDrugStore.com Universal Drugstore, says that the company's findings of the impact of the prescription drug card plan on America's senior citizens illustrates that the plan is "confusing and flawed."

Uhl sees inevitable problems for this plan. First and foremost is the confusion about the plans themselves.

"Seniors are being deluged with information about different plans, each claiming to be superior to that of a competitor. It would probably take months for any individual to properly study and choose a plan that is best for them. Even after making their decision, many individuals do not realize they are locked in but the plan they have chosen can change at any time. This can mean increased premiums, increased co-pays, reduced drug coverage and myriad stipulations that may greatly reduce the benefits," he explains.

He cites other flaws in Plan D, including that year after year the monthly premiums, the annual deductible, the main benefit limit and the catastrophic coverage starting point continue to rise:

"For example, the estimated annual premium rises $386 in 2006 to an estimated $696 in 2013. It is also estimated that the catastrophic coverage starting point will increase from $5100 in 2006 to $9068 in 2013. This will mean greater out-of-pocket expenses and higher annual expenditures for seniors. Also, the plan does not offer a benefit for the working people who lack health insurance, whereas www.UniversalDrugStore.com is available to anyone seeking significant savings on their prescription drugs," Uhl explains.

Another weakness of Plan D is the mandatory signup that penalizes seniors if they delay joining the Medicare Plan, Uhl says.

"This might lead some seniors to believe that since they are forced into a plan, it is to their advantage to participate actively in it. What they may not realize is that participation is not mandated and they can potentially incur unwanted costs rather than obtain any benefit."

Uhl notes that the pharmaceutical companies will be the biggest beneficiaries of Plan D since they have the sole discretion to set prescription drug prices.

"For more than three years, www.UniversalDrugStore.com has worked to establish an open and quality relationship with America's seniors and others who are un- or underinsured," notes Uhl, who is himself a pharmacist. "This has been based upon offering low costs, quality prescriptions, and strong customer service, all elements lacking in Plan D.

"That is why we look confidently to continuing to be an important part of meeting the prescription drug needs of America's seniors and others. In the next few months, we will be conducting an extensive educational outreach to illustrate to seniors why Plan D likely is not their best option, a fact that the pharmaceutical companies and plan administrators -- who are the ones who will truly profit from the confusion and fear being spread among seniors -- are doing their utmost to mask."

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20050912/NYM247
AP Archive: http://photoarchive.ap.org/
AP PhotoExpress Network: PRN14
PRN Photo Desk, photodesk@prnewswire.com
Source: Universal Drugstore Ltd.

CONTACT: Daniel Hines of Universal Drugstore Ltd., +1-636-256-0047

Web site: http://www.universaldrugstore.com/

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Profile: insurance

Washington State Chiropractors Petition the Insurance Commissioner for Relief

2005-09-12T11:51:00.000-07:00

Washington State Chiropractors Petition the Insurance Commissioner for Relief

SEATAC, Wash., Sept. 12 /PRNewswire/ -- Citing "the growing threat to our patients and our profession," the Washington State Chiropractic Association (WSCA) announced today that it has petitioned Washington State Insurance Commissioner Mike Kreidler to stop some insurance companies from discriminating against the chiropractic profession.

The WSCA has filed formal petitions with the Insurance Commissioner requesting new rules designed to fix the growing problems caused by the few large health insurers dominating Washington markets. "We can no longer ignore the growing threat to our patients and our profession," said Dr. Bill Davis, WSCA President. "Chiropractors want to spend time with patients not contracts. "We are asking the Insurance Commissioner to step in and stop the discrimination and unfair practices of some companies."

According to the WSCA, the large insurers are forcing chiropractors into lopsided contracts that small practices cannot afford to reject. Insurers tie one product to another so that the chiropractor cannot choose between plans or programs. They terminate contracts without cause, forcing patients to find new doctors, and refuse to pay chiropractors who step in to take care of a colleague's patients.

"Imagine what your life would be like if there was only one grocery store and they made you buy a pack of cigarettes with every gallon of milk and kicked you out if you complained," Davis said. "That's our life with the big insurers."

The Commissioner has 60 days to rule on the petitions, and may accept, reject or change the requested rules. The petitions seek improvements to existing rules governing contracts between insurers and practitioners. The amendments would ban some existing insurer practices and would set new standards for the health care networks of the three largest insurers in Washington. Copies of the petitions can be found on the WSCA web site.

The Washington State Chiropractic Association (WSCA) is Washington's only professional organization representing Doctors of Chiropractic. Established in 1991, WSCA has been growing strong ever since with doctors from across the entire state joining forces to protect, promote and improve the chiropractic profession for a strong and healthy future for all.

Source: Washington State Chiropractic Association

CONTACT: Lori Bielinski, Executive Director of Washington State
Chiropractic Association, +1-206-878-6055, or fax, +1-206-878-8699, or
lbielinski@chirohealth.org

Web site: http://www.chirohealth.org/

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Profile: insurance

CIGNA International, World Assist Agreement Provides Access to Premier Health Care Network in South America

2005-09-12T11:22:00.000-07:00

CIGNA International, World Assist Agreement Provides Access to Premier Health Care Network in South America

PHILADELPHIA, Sept. 12, 2005 /PRNewswire-FirstCall/ -- CIGNA International Expatriate Benefits (CIEB) has completed a formal agreement with World Assist, the premier health care network in Brazil, Argentina and Paraguay. Through this agreement, CIEB's expatriate members, as well as its covered international business travelers in South America, now will have access to World Assist's Preferential Providers Organization (PPO) network of quality hospitals, clinics and doctors.

All network providers will accept direct payments for their services from CIEB, as well as advance guarantees of payments for services such as inpatient surgery. "World Assist providers offer significant discounts off local fee schedules, which is of considerable value to our clients doing business in South America," said Markus Zettner, provider relations manager for CIEB. "Additionally, broader access to quality care greatly enhances our network capabilities in this region."

The World Assist PPO network includes the world-renowned Hospital Israelita Albert Einstein and Hospital Sirio-Libanese, both in Sao Paulo. In addition, the network includes many other key hospitals utilized by international patients, such as Hospital Samaritano, Clinica Sao Vicente, and Hospital Copa D'or in Rio de Janeiro, as well as Sanatoria San Roque in Paraguay and Hospital Suizo Argentina in Argentina. There are 70 hospitals, clinics, doctors, and other providers in the World Assist PPO network.

CIEB, a business unit of CIGNA International, is the leading provider of employer-sponsored group expatriate benefits.

"This relationship among World Assist, CIGNA and our providers offers greater convenience and improved support to CIGNA's insureds doing business in Brazil, Argentina and Paraguay," said Sueli Fernandes, director of business and development for World Assist.

CIGNA International Expatriate Benefits (CIEB) is a business unit of CIGNA International, the global business division of CIGNA Corporation (NYSE:CI). CIGNA International markets life, accident and employee benefits - including health care insurance - in selected markets around the world. CIEB is the world's largest provider of employer-sponsored insurance plans for expatriate employees and their insured family members.

World Assist has a large, worldwide Provider Network, with offices in the USA (Florida), Brazil and Portugal. It operates a multilingual Customer Service Center 24 hours a day, 365 days a year. The World Assist network consists of highly qualified providers with years of experience rendering international medical care and assistance.

Source: CIGNA International

Contact: Gloria Barone, CIGNA, +1-215-761-4758, Gloria.barone@cigna.com

Web site: http://www.cigna.com/

Company News On-Call: http://www.prnewswire.com/comp/165050.html

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Profile: insurance

Beeswax Candles Provide a SHIMMER OF HOPE(TM) in Curing Breast Cancer

2005-09-12T11:05:00.000-07:00

Beeswax Candles Provide a SHIMMER OF HOPE(TM) in Curing Breast Cancer

Nature's Finest Candles Partners With the Susan G. Komen Breast Cancer Foundation

MARBLE FALLS, Texas, Sept. 12 /PRNewswire/ -- An estimated 211,240 new cases of breast cancer will be diagnosed in American women in 2005 alone. For more than 20 years, the Susan G. Komen Breast Cancer Foundation has been fighting to eradicate breast cancer as a life-threatening disease by funding research, education, screening and treatment projects in communities around the world. This year, Nature's Finest Candles is joining the Komen Foundation in this fight by presenting a SHIMMER OF HOPE(TM).

SHIMMER OF HOPE(TM) is a limited edition of the Beeswax Collection by Nature's Finest created to contribute to the efforts of the Komen Foundation. "A key to our success at the Komen Foundation is that we collaborate with a variety of organizations to provide creative ways for people to make a difference in the fight against breast cancer," said Cindy Schneible, vice president of cause-related marketing and sponsorship at the Komen Foundation. "We are proud to have the opportunity to partner with Nature's Finest to increase breast cancer awareness and allow consumers nationwide to make a valuable contribution to breast cancer research and community outreach programs."

Each candle is crafted with the finest components including natural beeswax and an exclusive fragrance, Sweet Pea Bouquet, which contains essential oils. The program offers two candle varieties, one a solid pastel pink and the other Nature's Finest's exclusive white and pink slanted tri- layer candle.

Each candle also includes a pink rhinestone ribbon-shaped lapel-pin. "We want to allow each supporter to continue spreading awareness long after the candle's glow," said Michelle Johnson, Brand Manager of Nature's Finest Candles. "The pink ribbon drives exposure, as it is the international symbol for breast cancer awareness."

In October, National Breast Cancer Awareness Month, Nature's Finest will donate 10% of the retail price of each SHIMMER OF HOPE(TM) candle sold, with a guaranteed minimum donation of $25,000, to the Komen Foundation.

Consumers will find SHIMMER OF HOPE(TM) displays in select department stores, supermarkets, drug stores, gift and specialty shops. For a complete list of participating retailers, consumers may call 1-800-964-6804.

The Susan G. Komen Breast Cancer Foundation was established in 1982 by Nancy Brinker to honor the memory of her sister, Susan G. Komen, who died from breast cancer at the age of 36. Today, the Foundation is an international organization with a network of more than 75,000 active volunteers working through local Affiliates and events like the Komen Race for the Cure(R) to eradicate breast cancer as a life-threatening disease. A global leader in the fight against breast cancer, the Foundation fulfills its mission through support of innovative breast cancer research grants, meritorious awards and educational, scientific and community outreach programs around the world. Together with its Affiliate Network, corporate partners and generous donors, the Komen Foundation has raised $750 million for the fight against breast cancer.

For more information about breast health or breast cancer, visit the Foundation's Web site at www.komen.org or call the Foundation's National Toll Free Breast Care Helpline at 1.800 I'M AWARE(R) (1.800.462.9273).

Nature's Finest Candles, LLC is a Marble Falls, Texas-based candle manufacturer. Nature's Finest has built an enviable reputation by offering superior candles crafted with natural wax to mass market since 2001. With traditional artisanship and strict quality standards, Nature's Finest's candles are among the best candles in the market. For more information please visit www.naturesfinestcandles.com or call 1-800-964-6804.

Source: Nature's Finest Candles, LLC

CONTACT: Michelle Johnson of Nature's Finest Candles, LLC,
+1-972-673-1466, or michelle.johnson@naturesfinestcandles.com

Web site: http://www.naturesfinestcandles.com/
http://www.komen.org/

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Profile: insurance

CPSC, Brinkmann Corporation Announce Recall to Repair Gas Grills

2005-09-12T10:43:00.000-07:00

CPSC, Brinkmann Corporation Announce Recall to Repair Gas Grills

WASHINGTON, Sept. 12 /PRNewswire/ -- The U.S. Consumer Product Safety Commission announces the following recalls in voluntary cooperation with the firms listed below. Consumers should stop using recalled products immediately unless otherwise instructed. To access color photos of recalled products, go to the Commission's Web site at http://www.cpsc.gov/.

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO )

Name of product: Brinkmann-brand and Charmglow-brand Gas Grills manufactured by Brinkmann

Units: About 130,000

Grill Manufacturer: The Brinkmann Corporation, of Dallas, Texas

Regulator Manufacturer: Zhonghshan GDA Gas Valve Co. Ltd., of China

Hazard: The regulators on these gas grills, the component that controls the amount of gas released to the burner, could leak gas when attached to certain liquid propane tanks. This poses a risk of fire and burn injuries.

Incidents/Injuries: The Brinkmann Corporation has received two reports of a small flame reportedly due to gas leaking at or near the propane cylinder. No injuries or property damage have been reported.

Description: The recall involves Brinkmann-brand and Charmglow-brand gas grills. The regulator is attached to the side of the grills. Only grills that have regulators with the name "GDA" are affected by this recall. The grills have three to six burners and the name "Brinkmann" or "Charmglow" on the lid.

Sold at: Home centers, sporting goods and hardware stores nationwide from January 2005 through August 2005 for between $150 and $900.

Manufactured in: China

Remedy: Consumers with grills that have the "GDA" regulator should contact Brinkmann to receive a free repair kit or replacement hose regulator assembly.

Consumer Contact: Call Brinkmann toll-free at (800) 675-5301 between 8:30 a.m. and 5 p.m. CT Monday through Friday. Consumers also can log on to the company's Web site at http://www.brinkmann.net/ to request a repair kit.

The U.S. Consumer Product Safety Commission protects the public from unreasonable risks of injury or death from 15,000 types of consumer products under the agency's jurisdiction. The CPSC's 471 employees are committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard or can injure children. The CPSC's work to ensure the safety of consumer products -- such as toys, cribs, power tools, cigarette lighters, and household chemicals -- contributed significantly to the 30 percent decline in the rate of deaths and injuries associated with consumer products over the past 30 years. Deaths, injuries, and property damage from consumer product incidents cost the nation more than $500 billion annually.

To report a dangerous product or a product-related injury, call CPSC's hotline at (800) 638-2772 or CPSC's teletypewriter at (800) 638-8270, or visit CPSC's Web site at http://www.cpsc.gov/talk.html. Consumers can obtain this release and recall information at CPSC's Web site at http://www.cpsc.gov/.

Firm's Hotline: (800) 675-5301

CPSC Recall Hotline: (800) 638-2772

Photo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

CONTACT: U.S. Consumer Product Safety Commission Media Contact,
+1-301-504-7908

Web site: http://www.cpsc.gov/
http://www.brinkmann.net/

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Profile: insurance

International Absorbents Announces Second Quarter Results

2005-09-12T10:33:00.000-07:00

International Absorbents Announces Second Quarter Results

FERNDALE, Wash., Sept. 12 /PRNewswire-FirstCall/ -- International Absorbents Inc. (AMEX:IAX), a leading developer and producer of environmentally-friendly pet care and industrial products, today reported financial results for the second quarter and six months ended July 31, 2005.

Sales for the second quarter of fiscal year 2006 increased by 11% to $6,074,000, compared to $5,495,000 for the previous year. Sales for the six months were $11,966,000 versus $10,996,000 for the same period last year, representing an increase of 9%.

Net income for the second quarter of fiscal year 2006 decreased by 89% to $48,000, compared to $447,000 for the first quarter of the fiscal year 2005. For the six months, net income was $214,000 versus $1,049,000 for the same six months last year, representing a decrease of 80%.

Gross profit for the second quarter of fiscal year 2006 was $1,727,000, a decrease of 20% compared to $2,147,000 for the second quarter a year ago. Gross profit for the six months was $3,686,000 versus $4,492,000 for the same period the prior year, representing a decrease of 18%.

Gordon L. Ellis, Chairman of International Absorbents Inc. commented on the second quarter, "Costs have continued to rise this past quarter. Savings in transportation costs resulting from our new east coast plant location are now even more relevant due to skyrocketing fuel and shipping costs. Increased transportation costs are a significant contribution to increased expenses this period. Increased fuel prices also affects our cost of production as our use of energy for heat/drying is a major factor. Optimal efficiencies have not yet been achieved at our new east coast production facility. This is partially due to the fact that the new facility has been tasked with development and production of new products, notably CareFRESH(R) Colors. Additional cost factors are associated with our continued aggressive activities in sales and marketing costs as we simultaneously launch various new products and support and protect market share for our core products. The net result has been the lowest profit margins in many years. Each of these areas is being scrutinized and action is being taken to recover margins.

"On a more positive side, development, production and introduction of CareFRESH(R) Colors has gone very well. The product is exceptionally popular with distributors and is being hailed as one of the greatest new products to hit the pet industry in many years. Initial sales are promising and the combination of CareFRESH(R) Colors and a new push on CareFRESH(R) Ultra is opening doors to new markets for the Company. At the same time, the Company's new line of Healthy Pet cat litters is gaining momentum in the market place. Our sales and marketing efforts are producing positive results and bode well for future growth.

"As we grow, we evolve. Success with existing and new product lines provides optimism for continued growth. At the same time we must adapt to current economic conditions and compensate for such changes as higher fuel costs as these changes are here to stay. Management is currently focused on identifying and adapting to, or compensating for, changing external and internal conditions such that margins can be recovered and improved.

"Over the next few quarters we will be completing the integration of a new cost control and overall financial/management software system (ERP) and then potentially moving and upgrading our manufacturing facility in Washington State. Completion of these two events will round out the more significant segments in our ongoing infrastructure growth plan resulting in the well balanced corporate structure we want to support growth and profitability."

International Absorbents Inc. develops, manufactures and markets patented and proprietary, cost effective consumer and commercial products derived from recycled, renewable materials. These environmentally safe products outperform conventional products used in a broad range of consumer and industrial applications, including retail/commercial pet bedding and litter, oil and hazardous liquid spill cleanup and control, oil/water filtration, and packaging. Further information is available at www.absorbent.com.

FINANCIAL HIGHLIGHTS

3 Months Ended Jul. 31 6 Months Ended Jul. 31
2005 2004 2005 2004

Sales, net $6,074,000 $5,495,000 $11,966,000 $10,996,000
Net income before taxes 89,000 586,000 286,000 1,533,000
Net income 48,000 447,000 214,000 1,049,000
Basic earnings per share 0.01 0.08 0.03 0.18
Weighted average shares
(basic) 6,261,000 5,931,000 6,257,000 5,867,000

As at As at
Jul. 31 Jan. 31
2005 2005

Total assets $23,429,000 $23,477,000
Stockholders' equity 13,583,000 13,346,000

Contact:
Charles (Chuck) Tait
International Absorbents Inc.
Toll Free: 866-514-6559 or 604-681-6181
info@absorbent.com

A number of the matters and subject areas discussed in this press release that are not historical or current facts deal with potential future circumstances and developments, including without limitation, statements referring to the Company's future growth strategies, prospects for the future, potential financial results, market and product line growth, abilities to enter new markets, ability to introduce new products, benefits from infrastructure improvements and the Company's competitiveness and profitability as a result of new sales and marketing programs, are forward- looking statements. The words "believe," "expect," "intend," "estimate," "assume" and "anticipate," variations of such words and similar expressions identify forward-looking statements, but their absence does not mean that a statement is not forward-looking. The discussion of such matters and subject areas is qualified by the inherent risks and uncertainties surrounding future expectations generally, and it is important to note that the Company's actual results could differ materially from those projected, due to various risk factors. Those risks include, but are not limited to delays related to commissioning a new manufacturing plant, contractor performance, newly installed equipment performance, consumer acceptance of the Company's products at a new location, competitor reactions and their ability to market and price their products, general economic conditions outside of the control of the Company, and the economic availability of sources of raw materials to meet demand rates necessary to sustain growth. Additional information concerning factors that could cause actual results to differ materially from those in the forward-looking statements is contained from time to time in the Company's reports filed with the SEC, including, but not limited to, the Company's annual report on Form 10-KSB for the fiscal year ended January 31, 2005 and its quarterly filings on Form 10-Q and 10-QSB. This press release speaks only as of its date, and the Company disclaims any duty to update the information herein.

Source: International Absorbents Inc.

CONTACT: Charles (Chuck) Tait of International Absorbents Inc.,
+1-866-514-6559, +1-604-681-6181, or info@absorbent.com

Web site: http://www.absorbent.com/

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Profile: insurance

Toys 'R' Us and Babies 'R' Us Support Evacuees Affected by Hurricane Katrina

2005-09-12T10:25:00.000-07:00

Toys 'R' Us and Babies 'R' Us Support Evacuees Affected by Hurricane Katrina

WAYNE, N.J., Sept. 12 /PRNewswire/ -- In the wake of devastation caused by Hurricane Katrina, Toys "R" Us donated six semi-trailer trucks full of toys and baby supplies including diapers, wipes, and formula, as well as batteries and water to multiple locations that are housing evacuees. Babies "R" Us has also donated over 17 pallets of baby and children's clothing to the national charity Kids In Distressed Situations, Inc. (K.I.D.S.), that will be distributing those items in affected areas.

With the help of disaster relief volunteers, the toys and baby supplies will be distributed to children and families housed in the Cajun Dome in Lafayette, LA, the Toyota Center in Houston, TX and shelters in Biloxi, MS and Dallas, TX.

"It has been heartbreaking to see the damage that Hurricane Katrina has caused to the families that live along the gulf coast and beyond," said John Prawlocki, Toys "R" Us Regional Vice President of the Southeast. "We wanted to be able to help these families, and especially their children."

"K.I.D.S. is grateful for this generous donation from our longtime partner Toys "R" Us and Babies "R" Us for the youngest victims of this terrible disaster," said K.I.D.S. President Janice Weinman. "We know from our 20 years of performing disaster relief, that these essential items will go a long way to help the families and the children to survive and flourish."

The Toys "R" Us Children's Fund, Inc. has also pledged a $1.0 million donation to long-term relief in the affected areas. In addition, Toys "R" Us has also pledged to match employee donations, made to the Fund for this effort, until September 30. Toys "R" Us is also matching employee donations to the company's Geoffrey Fund which assists "R" Us employees in need.

Toys "R" Us is one of the leading specialty toy retailers in the world. It sells merchandise through more than 1,500 stores, including 676 toy Stores in the U.S. and 623 international toy stores, including licensed and franchise stores as well as through its Internet sites at www.toysrus.com, www.imaginarium.com and www.sportsrus.com. Babies "R" Us is the largest baby product specialty store chain in the world and a leader in the juvenile industry, and sells merchandise through 221 stores in the U.S. as well as on the Internet at www.babiesrus.com.

Kids In Distressed Situations, Inc. (K.I.D.S.) was founded in 1985 as a 501 (c) (3) corporation to assist the victims of famine in Africa. K.I.D.S. is a national charity that distributes clothes, shoes, books, toys and other necessities to children and youth living in poverty-stricken communities, homeless shelters, hospitals, AIDS clinics and relief organizations. Since its inception, K.I.D.S. has donated more than $450 million worth of new merchandise to children and families in need. Over the last two decades, K.I.D.S. has distributed approximately $35 million annually to between 2 and 4 million kids. For more information, visit www.kidsdonations.org.

Source: Toys "R" Us

CONTACT: Susan McLaughlin, +1-973-617-5900, mclaughs@toysrus.com; or
Kathleen Waugh, +1-646-366-8823, waughk@toysrus.com, both of Toys "R" Us

Web site: http://www.toysrus.com/
http://www.kidsdonations.org/
http://www.imaginarium.com/
http://www.sportsrus.com/
http://www.babiesrus.com/

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Profile: insurance

CPSC, Makita U.S.A. Inc. Announce Recall of Chain Saws

2005-09-12T10:22:00.000-07:00

CPSC, Makita U.S.A. Inc. Announce Recall of Chain Saws

WASHINGTON, Sept. 12 /PRNewswire/ -- The U.S. Consumer Product Safety Commission, in cooperation with the firm named below, today announced a voluntary recall of the following consumer product. Consumers should stop using recalled products immediately unless otherwise instructed. (To access color photos of the following recalled products, see CPSC's Web site at http://www.cpsc.gov/.)

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO )
Name of Product: Makita Chain Saws

Units: About 3,400 units

Distributor: Makita U.S.A. Inc., of La Mirada, Calif.

Hazard: The flywheels on some of the chain saws can come apart during
use, which could cause serious personal injury.

Incident/Injuries: Makita has received three reports of the flywheel
coming apart. There have been no reports of injury.

Description: The recall involves Makita DCS6401 and DCS7901-model chain
saws in which the last five digits of the serial numbers are within the
following ranges:

Chain saw Model Serial Number Range
DCS6401 41915 through 45612
DCS7901 81722 through 82057
31182 through 31491

The chain saw's housing is teal with the name "Makita" is written on it.
The chain saw's serial number can be found on the right hand side of the
silver nameplate which is located on the back of the fuel tank. No other
Makita chain saws are involved in the recall. Any DCS6401 or DCS7901
chain saws with the letter "N" preceding the serial number on the
nameplate and a blue dot on the shipping carton have been repaired and
are not involved in the recall.

Sold at: Outdoor power equipment distributors and industrial contractor
supply houses nationwide sold these chain saws from October 2004 through
August 2005 for between $520 and $730.

Manufactured in: Germany

Remedy: Consumers should stop using these recalled chain saws immediately
and contact Makita to arrange for a free repair. Known purchasers were
sent direct mail notification of this recall.

Consumer Contact: For more information, call Makita toll-free at
(866) 714-3860, Ext.232 between 8 a.m. and 4:30 p.m. ET Monday through
Friday, or visit their Web site at http://www.makitatools.com/.

The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under the agency's jurisdiction. Deaths, injuries and property damage from consumer product incidents cost the nation more than $700 billion annually. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard. The CPSC's work to ensure the safety of consumer products -- such as toys, cribs, power tools, cigarette lighters, and household chemicals -- contributed significantly to the 30 percent decline in the rate of deaths and injuries associated with consumer products over the past 30 years.

Firm's Recall Hotline: (866) 714-3860, Ext.232

CPSC Recall Hotline: (800) 638-2772

Photo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

CONTACT: CPSC Media Contact, +1-301-504-7908

Web site: http://www.cpsc.gov/
http://www.makitatools.com/

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Profile: insurance

CPSC, DOLMAR Power Products Announce Recall of Chain Saws

2005-09-12T10:19:00.000-07:00

CPSC, DOLMAR Power Products Announce Recall of Chain Saws

(Logo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO )
Name of Product: DOLMAR chain saws

Units: About 1,300 units

Distributor: DOLMAR Power Products, of Duluth, Ga.

Hazard: The flywheels on some of the chainsaws may come apart during use,
which could cause serious personal injury.

Incident/Injuries: DOLMAR has received three reports of the flywheel
coming apart. There have been no reports of injury.

Description: The recall involves DOLMAR PS6400 and PS7900-model chain
saws in which the last five digits of the serial numbers
are within the following ranges:

Chain saw Model Serial Number Range
PS6400 71998 through 79250
PS7900 40156 through 43009

The chain saw's housing is "warm red" with "DOLMAR" written on it. The
chain saw's serial number can be found on the right hand side of the
silver nameplate which is located on the back of the fuel tank. No other
DOLMAR chain saws are involved in the recall. Any PS6400 or PS7900 chain
saws with the letter "N" preceding the serial number on the nameplate and
a blue dot on the shipping carton have been repaired and are not involved
in the recall.

Sold at: Outdoor power equipment distributors and industrial suppliers
nationwide sold these chain saws from October 2004 through August 2005
for between $570 and $750.

Manufactured in: Germany

Remedy: Consumers should stop using these chain saws immediately and
contact DOLMAR to arrange for a free repair. Known purchasers were sent
direct mail notification of this recall.

Consumer Contact: For more information, call DOLMAR toll-free at (888)
673-7278 between 8 a.m. and 4:30 p.m. ET Monday through Friday, or visit
their Web site at http://www.dolmarusa.com/.

The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under the agency's jurisdiction. Deaths, injuries and property damage from consumer product incidents cost the nation more than $700 billion annually. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard. The CPSC's work to ensure the safety of consumer products -- such as toys, cribs, power tools, cigarette lighters, and household chemicals -- contributed significantly to the 30 percent decline in the rate of deaths and injuries associated with consumer products over the past 30 years.

Firm's Recall Hotline: (888) 673-7278

CPSC Recall Hotline: (800) 638-2772

Photo: http://www.newscom.com/cgi-bin/prnh/20030904/USCSCLOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk photodesk@prnewswire.com
Source: U.S. Consumer Product Safety Commission

CONTACT: CPSC Media Contact, +1-301-504-7908

Web site: http://www.cpsc.gov/
http://www.dolmarusa.com/

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Profile: insurance

Hurricane Katrina: Estimating the Property Reinsurance Market Impact

2005-09-12T10:06:00.000-07:00

Hurricane Katrina: Estimating the Property Reinsurance Market Impact

CHICAGO, Sept. 12 /PRNewswire-FirstCall/ -- Hurricane Katrina will most likely be the largest property loss ever recorded in the global property reinsurance market. Estimates of insured losses from leading modeling firms range from $14 billion to $35 billion. These estimates generally exclude losses related to the significant flooding in New Orleans due to the lack of clear data reflecting insured exposures. One of the modeling firms has estimated the insured flooding at $15 billion to $25 billion (including approximately $10 billion from federal government programs) bringing their total estimate of insured losses to $40 billion to $60 billion. The unknown extent of flood insurance coverage, whether written voluntarily or deemed in place by regulators or courts -- so called "regulatory surge", the unknown extent of insured business interruption coverage and other difficult to model issues such as demand surge adds even more uncertainty to this already wide range of loss estimates. As in other significant historical events, the resolution of these issues will take months and, in some cases, years. While there is uncertainty about the size of loss, it is clear that the property reinsurance industry will shoulder a significant portion of the insured losses from Hurricane Katrina.

(Logo: http://www.newscom.com/cgi-bin/prnh/20041215/CGW049LOGO )

Every significant line of property insurance will incur a Hurricane Katrina related loss; from direct physical damage in personal, commercial, HPR, energy and technical lines to time element and contingent time element loss where the direct physical damage may be difficult to ascertain. With difficult modeling issues associated with each of these property lines, insurers will be counting on special expertise to better understand insured exposures and narrow the range of estimated losses for their book. Reinsurance programs in place will transfer significant volatility and replace critical capital for insurers. The reinsurance market place continues to provide supplemental capacity for insurers that require additional capacity for the remainder of their treaties' terms.

We expect Hurricane Katrina to have an impact during the upcoming renewals and we are still little more than half way through the 2005 hurricane season. We do not expect that the significant range in the size of the industry insured loss estimates will materially narrow before renewal negotiations begin in earnest. Bryon Ehrhart, head of Aon Re Global Services stated, "We believe the reinsurance market should remain a technically priced market and through our advocacy for insurers should continue to differentiate individual client exposures and experience from the general market trend."

Based upon a range of estimated outcomes for the 2005 hurricane season, including Katrina, the following table illustrates the potential impact on the U.S. catastrophe exposed property reinsurance market:

Insured Loss Average Client Eligible^ Technical New
Ratings Traditional Price Changes Reinsurance
Downgrades Reinsurance from Model Capital
of Reinsurers Capacity Impact Revisions Raised

$15 Billion Insignificant Insignificant 0 to 10% Insignificant
Range: Increase

$35 Billion 1 Notch 10% Reduction 10 to 15% $5 to $15
Range: Increase Billion

$50 Billion 2 Notches 20 to 25% 15 to 30% $15 to $25
Range: Reduction Increase Billion

$75+ Billion 3 Notches 30 to 50% 40%+ $25 Billion+
Range: Reduction Increase

^ Client Eligible means capacity from reinsurers rated within client
credit risk management guidelines

We anticipate that reinsurance capacity from alternative sources such as investors in insurance linked securities and hedge funds will continue to grow and more regularly supplement traditional reinsurance capacity.

About Aon

Aon Corporation (NYSE:AOC) ( http://www.aon.com/ ) is a leading provider of risk management services, insurance and reinsurance brokerage, human capital and management consulting, and specialty insurance underwriting. There are 47,000 employees working in Aon's 500 offices in more than 120 countries. Backed by broad resources, industry knowledge and technical expertise, Aon professionals help a wide range of clients develop effective risk management and workforce productivity solutions.

Aon Re is the only reinsurance broker that provides its clients access to all forms of underwriting capital, including traditional reinsurance, alternative reinsurance, capital markets and hedge fund capacity.

Notes to editors

Although superseded by the impact of Hurricane Katrina, Aon's fourth annual survey of the reinsurance market 'Wheels within wheels -- different pressures for individual sectors' still provides a valuable reference point on the state of the reinsurance market before the hurricane hit.

For more information and/or a copy of 'Wheels within wheels' please contact:

Sally Coode-Bate Dave Van de Walle
Aon Press Office Aon Global Public Relations
Tel: +44 (0)207 505 7478 Tel: 312 381 5028
sally.coode-bate@aon.co.ukdave_vandewalle@aon.com

This press release contains certain statements related to future results, or states our intentions, beliefs and expectations or predictions for the future which are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from either historical or anticipated results depending on a variety of factors. Potential factors that could impact results include: general economic conditions in different countries in which we do business around the world, changes in global equity and fixed income markets that could affect the return on invested assets, fluctuations in exchange and interest rates that could influence revenue and expense, rating agency actions that could affect our ability to borrow funds, funding of our various pension plans, changes in the competitive environment, our ability to implement restructuring initiatives and other initiatives intended to yield cost savings, changes in commercial property and casualty markets and commercial premium rates that could impact revenues, changes in revenues and earnings due to the elimination of contingent commissions, other uncertainties surrounding a new compensation model, the impact of investigations brought by state attorneys general, state insurance regulators, federal prosecutors, and federal regulators, the impact of class actions and individual lawsuits including client class actions, securities class actions, derivative actions, and ERISA class actions, the cost of resolution of other contingent liabilities and loss contingencies, and the difference in ultimate paid claims in our underwriting companies from actuarial estimates. Further information concerning the Company and its business, including factors that potentially could materially affect the Company's financial results, is contained in the Company's filings with the Securities and Exchange Commission.

Aon Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only.

Photo: http://www.newscom.com/cgi-bin/prnh/20041215/CGW049LOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Aon Corporation

CONTACT: Sally Coode-Bate of Aon Press Office, +44 (0)207 505 7478,
sally.coode-bate@aon.co.uk , or, Dave Van de Walle of Aon Global Public
Relations, +1-312-381-5028, dave_vandewalle@aon.com

Web site: http://www.aon.com/

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Profile: insurance

1-800-Mattress & Local Partners Begin Distributing 3,000 Temporary Air Mattresses in Hurricane Katrina Affected Areas

2005-09-12T10:00:00.000-07:00

1-800-Mattress & Local Partners Begin Distributing 3,000 Temporary Air Mattresses in Hurricane Katrina Affected Areas

NEW YORK, Sept. 12 /PRNewswire/ -- 3,000 temporary air mattresses started arriving this weekend to shelters in Louisiana and Alabama through a regional donation program led by 1-800-Mattress and its distributors in the Southeast.

Shortly after the devastation caused by Hurricane Katrina was reported, 1-800-Mattress executives in New York were in touch with their distributors in the region to assess the affects of damage and how they could assist them and residents in the area. After a series of calls and contact with national relief organizations, a determination was made that vinyl air mattresses, manually inflatable, were best suited for the donation, as they can be used on any surface and then deflated and folded down for mobility.

Johnson Furniture in Bossier City, LA identified a need for 1,500 air mattresses for the Summer Grove Disaster Relief Center in Shreveport, which is providing temporary shelter for residents evacuated from points farther south, 750 air mattresses are going to the Red Cross in New Orleans through Bedding Plus in New Orleans, LA, and Union Furniture Co. in Tuscaloosa, AL expedited getting the 750 air mattresses to the local Red Cross and Salvation Army relief efforts in their area.

"When we learned of the devastation, Joe Vicens, our executive in charge of our national sales program was in quick touch with our partners in the region to see how we could be of help. Though many of them had business interruptions themselves, they were all concerned about their local citizens and together, we devised a strategy to help," said Luis Barragan, president and chief operating officer of 1-800-Mattress.

For many years, 1-800-Mattress has helped disaster victims. After 9/11, the company donated more than 300 mattresses to the New York City Fire Department and last year, the company sent a truckload of mattresses to South Florida following the devastation caused by Hurricane Charley.

"We know that in times of crisis such as these, exhaustion and sleep deprivation are a part of the health concerns facing victims and rescue workers," Barragan added. "We are grateful to our local partners such as Bedding Plus, Johnson Furniture and Union Furniture Co. who helped us get the temporary bedding to the local communities who needed assistance most. We hope that in a small way, we can bring a bit of comfort and rest to the victims of this terrible tragedy."

Founded in 1976, 1-800-Mattress is the nation's leading marketer of bedroom furnishings, enabling consumers to purchase a vast array of mattresses, box springs and bedding accessories by phone and Internet 24/7. The company also operates 47 retail stores in New York, New Jersey, Connecticut, Maryland and California. It features products by Sealy, Serta, Simmons, King Koil, Nation's Pride and Tempurpedic in 69 styles including odd sizes, futons and electric beds.

Contact: Jerry Schranz/Stan Steinreich
Steinreich Communications
201-498-1600

Source: 1-800-Mattress

CONTACT: Jerry Schranz or Stan Steinreich, both of Steinreich
Communications, +1-201-498-1600, for 1-800-Mattress

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Profile: insurance

'The EuroBed By Tempur-Pedic(TM)' Swedish Mattress(TM) Receives Arthritis Foundation's Ease-of-Use Commendation

2005-09-12T09:58:00.000-07:00

'The EuroBed By Tempur-Pedic(TM)' Swedish Mattress(TM) Receives Arthritis Foundation's Ease-of-Use Commendation

LEXINGTON, Ky., Sept. 12 /PRNewswire-FirstCall/ -- The Arthritis Foundation recently awarded "The EuroBed by Tempur-Pedic(TM)" Swedish Mattress its prestigious Ease-of-Use Commendation. Seventy-five percent of testing participants reported the mattress to be comfortable and supportive and all participants cited the mattress as easy to use on a daily basis.

(Photo: http://www.newscom.com/cgi-bin/prnh/20050414/CLTH023)

"Arthritis changes the way individuals complete even the simplest of tasks," says Dany Sfeir, Senior V.P. of Marketing. "Tempur-Pedic is proud that out proprietary TEMPUR(R) technology helps people with arthritis to rest easy and find relief during the night while still being able to easily use and enjoy the benefits of the mattress."

The Arthritis Foundation's Ease-of-Use Commendation program determines the accessibility and ease of use of everyday products by allowing arthritis patients to evaluate products and rate their usability. Each product must pass a series of evaluations completed by a group of people with arthritis with varying degrees of functional ability. Participants in the Tempur-Pedic mattress evaluation had symptoms ranging from Degenerative Arthritis to Rheumatoid Arthritis to Fibromyalgia.

"Arthritis causes pain, stiffness and inflammation of the joints making it difficult for patients to complete even the simplest of tasks such as getting into bed," says Mary Norman, Group Vice President of Strategic Marketing Alliances with the Arthritis Foundation. "Arthritis can also make sleeping difficult due to the fact that pain often occurs at night. Therefore, a comfortable night's sleep is especially important for those living with arthritis. The goal of the Ease-of-Use program is to find products that will help ease difficulties found in everyday life and to inform those who suffer from arthritis of the many products available to improve their quality of life."

The Arthritis Foundation's Ease-of-Use Commendation logo is currently displayed on three other Tempur-Pedic mattress products - The Classic Swedish Sleep System(R), The Deluxe Swedish Sleep System(R) and "The CelebrityBed by Tempur-Pedic(TM)." The logo will be added to advertisements and direct mail pieces featuring "The EuroBed by Tempur-Pedic" in the next few weeks. Tempur-Pedic mattresses are the first mattresses to be recognized by the Arthritis Foundation.

About the Arthritis Foundation

The Arthritis Foundation is the only nationwide, nonprofit health organization helping people take greater control of arthritis by leading efforts to prevent, control and cure arthritis and related diseases. The foundation reaches out to millions of men, women and children with arthritis by providing community-based public health initiatives, advocating for changes in public policy and funding nationwide research that moves us closer to a cure.

The Arthritis Foundation has 47 local chapters throughout the nation. For more information about the Arthritis Foundation visit http://www.arthritis.org/ or call 1-800-568-4045.

About Tempur-Pedic International, Inc.

Tempur-Pedic International, Inc. (NYSE:TPX) manufactures and distributes Swedish Mattresses and Neck Pillows(TM) made from its proprietary TEMPUR(R) pressure-relieving material: a viscoelastic material that conforms to the body to provide support and help alleviate pressure points. Products are currently sold in 60 countries under the TEMPUR and Tempur-Pedic(R) brand names. World headquarters for Tempur-Pedic International, Inc. are in Lexington, Kentucky. For more information visit http://www.tempurpedic.com/ or call 1-800-886-6466.

Photo: http://www.newscom.com/cgi-bin/prnh/20050414/CLTH023
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Tempur-Pedic International, Inc.

CONTACT: Katie Tabeling, +1-859-514-4735, for Tempur-Pedic
International, Inc.

Web site: http://www.tempurpedic.com/
http://www.arthritis.org/

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Profile: insurance

Odimo Launches the New Diamond.com

2005-09-12T09:44:00.000-07:00

Odimo Launches the New Diamond.com

Online Retailer Enhances Jewelry Site to Improve Customer Experience, Further Build Diamond.com Business

SUNRISE, Fla., Sept. 12 /PRNewswire-FirstCall/ -- Odimo Incorporated (NASDAQ:ODMO), an online retailer that offers high-quality diamonds, fine jewelry, brand-name watches and luxury goods through three websites (Diamond.com, Ashford.com, and WorldofWatches.com), today launched the redesign of Diamond.com, Odimo's premier online property specializing in certified diamonds, fine jewelry and brand-name watches at discounted prices.

The newly launched website, http://www.diamond.com/ , improves the customer experience through the implementation of enhanced technologies enabling faster searches, more precise search results, dynamic pan and zoom on product detail pages, and enhanced checkout for domestic and international customers. The improved design makes Diamond.com easier to navigate for consumers -- and the enhanced technology will enable Odimo to build better relationships with customers through increased personalization and 1-to-1 marketing campaigns.

"This is a newer, fresher Diamond.com," said Alan Lipton, Odimo's President and Chief Executive Officer. "But this is more than just a face lift. We are very focused on building our Diamond.com business -- and our goal is to improve conversions and average order value over time. So we have invested in technology enhancements and creative improvements to help take Diamond.com shoppers all the way from search to sale."

Key technological enhancements to Diamond.com include:

* Improved search capability - patented technology gives customers precise, relevant results in speedier searches

* Enhanced graphics - consumers can pan and zoom for a close-up look at products before they buy

* Enhanced, secure checkout - Diamond.com will store information consumers enter at the time of their first purchase in a secure environment, to make repeat purchases easier

* Flash technology - want to refine your diamond search results by one of the four Cs? Consumers will soon be able to quickly scan our entire inventory to refine a search by cut, carat, clarity, color AND price at Diamond.com

Odimo selected industry-leading technology solutions such as Celebros for search and browse, Scene 7 for imaging and Comerxia for international shipping for the Diamond.com redesign.

About Odimo

Odimo is an online retailer of current season, high-quality diamonds, fine jewelry, brand name watches and luxury goods. The Company operates three websites, http://www.diamond.com/ , http://www.ashford.com/ and http://www.worldofwatches.com/ and seeks to create long-term relationships with its customers by offering a broad selection of appealing merchandise. The Company's websites collectively showcase over 2,000 watch styles; a large assortment of luxury goods, such as designer handbags and fashion accessories, fragrances and sunglasses; more than 25,000 independently certified diamonds; and a wide range of precious and semi-precious jewelry. The Company sells brand name goods at discounts to suggested retail prices, and diamonds and fine jewelry at competitive prices. The Company features many of the branded items available in leading department and specialty stores, as well as diamonds certified by the Gemological Institute of America (GIA). Odimo is headquartered in Sunrise, Florida.

This announcement may contain forward-looking statements, which are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, which can be identified by the use of forward-looking terminology such as "may," "will," "believe," "belief," or other comparable terminology. Forward-looking statements are based on the then-current expectations, beliefs, assumptions, estimates and forecasts about the business of Odimo and the industries and markets in which Odimo operates. These statements are not guarantees of future performance and involve risks, uncertainties and assumptions, which are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or implied by these forward-looking statements. Factors which may affect Odimo's business, financial condition and operating results include the effects of changes in the economy, consumer spending, the financial markets, changes affecting the Internet and e-commerce, the ability of Odimo to develop and maintain relationships with suppliers, the ability of Odimo to timely and successfully develop, maintain and protect its technology, confidential information and product offerings and execute operationally and the ability of Odimo to attract and retain qualified personnel. More information about potential factors that could affect Odimo can be found in its reports and statements filed by Odimo with the SEC. Odimo expressly disclaims any intent or obligation to update these forward-looking statements, except as otherwise specifically stated by Odimo.

Source: Odimo Incorporated

CONTACT: Amerisa Kornblum, Chief Financial Officer, Odimo,
+1-954-835-2233, ext. 1207; or investors, Allison Malkinor or David Griffith,
or media, Megan McDonnell or John Flanagan, all of Integrated Corporate
Relations, +1-203-682-8200, for Odimo

Web site: http://www.odimo.com/
http://www.diamond.com/
http://www.ashford.com/
http://www.worldofwatches.com/

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Profile: insurance

FindProfit.com Provides Updated Research on the Mortgage Insurance Sector

2005-09-12T09:31:00.000-07:00

FindProfit.com Provides Updated Research on the Mortgage Insurance Sector

PRINCETON, N.J., Sept. 12 /PRNewswire/ -- FindProfit (http://www.findprofit.com/), an investment service that delivered an +18% average return in 2004 and a +67% audited return in 2003, announced today that it has provided to trial and paid subscribers updated research on the mortgage insurance sector, including MBIA (NYSE:MBI), Ambac Financial (NYSE:ABK), MGIC Investment (NYSE:MTG), and PMI Group (NYSE:PMI).

FindProfit's ongoing investment coverage examines a number of issues, including:

-- An assessment of their exposure to the real estate cycle.
-- What impact a cooling real estate market could have on demand for
mortgage insurance.
-- A look at what improving "persistency" rates could have on industry
profits as refinancing and origination volumes decline.

AND MORE

Sign up now for a 30-day free trial to FindProfit and you'll gain instant access to FindProfit's in-depth coverage of the media, tech, telecom and energy sectors, as well as our full "as it happens" investment commentary and comprehensive model portfolios, by clicking here:

https://www.findprofit.com/subscribe/?refer=prn120

Subscribers also receive access to FindProfit's latest Special Bonus Report, "Understanding The Value of Insider Trading Data."

FindProfit finds you winners and has beaten the market three years in a row. The service posted audited model portfolio returns of 21%, 20% and 14% in 2004, audited model portfolio gains of 67%, 58%, and 34% in 2003, and a 73% audited return in 2002. Through August 31, 2005, FindProfit's three portfolios were up an average of 9.07% versus an average decline in the major indexes of -1.27%.

About FindProfit.com:

FindProfit.com is a leading publisher and provider of lively, fun, and profitable investment commentary for individual investors who love the stock market. FindProfit's real-time "as it happens" investment service gives individual investors the edge they need to consistently beat the market. For more information or to sign up now for a free 30-day trial to FindProfit, please visit: https://www.findprofit.com/subscribe/?refer=prn120

NOTE: This release was published by F.P. Real Ventures I, LLC (CRD #131926), a registered investment advisor with the NASD and State of NJ. Past performance does not guarantee future results. Investors should always research companies and securities before making any investments. Nothing herein should be construed as an offer or solicitation to buy or sell any security.

CONTACT: Bill Martin, FindProfit, +1-888-440-6116.

Source: F.P. Real Ventures I, LLC

CONTACT: Bill Martin, FindProfit, +1-888-440-6116

Web site: http://www.findprofit.com/

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Profile: insurance

American Greetings to Broadcast Fiscal 2006 Second-Quarter Conference Call Live on the Internet

2005-09-12T09:30:00.000-07:00

American Greetings to Broadcast Fiscal 2006 Second-Quarter Conference Call Live on the Internet

CLEVELAND, Sept. 12 /PRNewswire-FirstCall/ -- American Greetings Corporation (NYSE:AM) will release its fiscal second-quarter 2006 results on Thursday, September 29, 2005 and will webcast its conference call at 9:30 a.m. ET that same day.

The conference call is being webcast by CCBN and can be accessed on the Investor Relations section of the American Greetings Web site at http://investors.americangreetings.com/. From the "Investors Overview" page, listeners should click on "Calendar of Events" then on the webcast link. For those who cannot listen to the live broadcast, a replay will be available on the Web site until the company's next earnings conference call.

About American Greetings Corporation

American Greetings Corporation (NYSE:AM) is one of the world's largest manufacturers of social expression products. Along with greeting cards, its product lines include gift-wrap, party goods, candles, stationery, calendars, educational products, ornaments and electronic greetings. Located in Cleveland, Ohio, American Greetings generates annual net sales of approximately $2 billion. For more information on the Corporation, visit http://corporate.americangreetings.com/.

Source: American Greetings Corporation

CONTACT: Stephen Smith, Vice President, Treasurer and Investor Relations
of American Greetings Corporation, +1-216-252-4864, or
investor.relations@amgreetings.com

Web site: http://corporate.americangreetings.com/
http://investors.americangreetings.com/

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Profile: insurance

ARC Outdoors to Showcase E47(TM) Anti-Odor Fabrics and Yarns at TITAS 2005 Fair

2005-09-12T09:29:00.003-07:00

ARC Outdoors to Showcase E47(TM) Anti-Odor Fabrics and Yarns at TITAS 2005 Fair

Antimicrobial Capabilities Permanently Embedded in Fibers

BROKEN ARROW, Okla., Sept. 12 /PRNewswire/ -- ARC Outdoors, a leader in performance apparel known for their ArcticShield(R) cold-weather clothing brand, will showcase their new line of anti-odor fabrics and yarns to be sold under the E47(TM) Nano Technology brand at the TITAS 2005 Fair in Taipei, Taiwan on Sept. 29-Oct. 1, 2005. The brand will offer advanced anti-odor fiber technologies for licensing by other manufacturers at Booth #A1012.

Anti-Odor Fibers Finally Perfected

To date, most anti-odor technologies have relied on chemical treatments as their antimicrobial component, while other technologies have come in the form of silver strand or silver-coated fibers. But, such fibers lack effectiveness and durability while causing manufacturing challenges and limitations. They often affect the comfort, flexibility, elasticity, wicking and insulation properties of fabrics. At the same time, many such fibers can add complexity to manufacturing processes, increasing production time, which ultimately leads to high costs.

E47 Nano Technology was co-developed to be safe, permanent and to utilize the oligodynamic effects silver has on microbes. The advancements come from silver nanoparticles integrated throughout the entire fiber, not just on the surface. This integrated technology is designed to create accelerated ion flux delivered through nanoscale particles to eliminate microbes and the odors they create.

E47 cotton represents a break-through in technology-based fabrics. E47 cotton fabrics will impact today's standards and benchmarks for performance based apparel.

Fibers integrated with E47 technology retain all of the natural qualities of polyester and cotton fabrics, making them ideal for performance wear without complicating manufacturing processes or changing the look and feel that consumers desire.

Nanotechnology Makes It Possible

"E47's anti-odor properties are generated by nanoscale-engineered silver- bearing nanoparticles which permanently bond to specific target fibers at the molecular level," said NanoHorizons Director of Operations Daniel Hayes, PhD. "The antimicrobial functionality of E47 fibers is uniformly distributed throughout the fiber and specifically engineered not to flake off, rub off, or wash out -- leaving all the other properties of the fiber unchanged."

New Fibers and Fabrics Featured at Outdoor Retailer

The creators of E47 are keying on polyester and cotton fabrics for clothing as the first offering, but understand that demand will redefine their course on specific developments throughout the textile industry. E47 was launched at the Outdoor Retailer Summer Market in Salt Lake City last month and immediately attracted interest from several major sporting goods and athletic apparel brands.

"The outdoor recreation market has seen great advances in activity-related apparel over the last few years, but nothing compares to new nanotechnology- based capabilities, such as E47's anti-odor properties that are permanently integrated into fibers," said ARC President J.T. Griffin. "In addition, E47 fibers will give apparel manufacturers a powerful new ingredient to leverage in their performance wear."

Real-World Testing

To reflect every-day situations and real-world scenarios for activewear, E47 fibers were put through a six-hour effectiveness test. To ensure accuracy, the independent biomedical testing company NAMSA was engaged. In NAMSA's tests, E47 antimicrobial additives were exceptionally effective in controlling common microbes, such as diphtheria (corynebacterium diphtheriae) and staph (staphylococcus aureus).

Domestic and International Manufacturing and Availability

E47 will only be available to licensees through the ARC Materials Licensing Program.

ARC currently has agreements with Eastern and Western Hemisphere mills with four additional mills to be licensed soon, pending approval of exclusive agreements.

Eastern Hemisphere:
Mill: ColoTex Industrial Limited, located in Taipei and Taiwan
Contact: Lisa Chen
Phone: 866 2 87511838
E-mail: cocolisa@saturn.seed.net.tw

Western Hemisphere:
Mill: Cari Fabrics
Contact: Jere Ayers or Joe Carritan
Phone: 336-294-6622
Web: www.carifabrics.com

Due to silver integration into fibers and the elimination of manufacturing issues, pricing is at or below other silver technologies and methods.

About ARC Outdoors

Since the company was founded in 1998, ARC Outdoors has been dedicated to the research and development of apparel technologies for the future. Priority is given to the ultimate goal of being considered a market leader and innovator, making available to their partners and customers technological solutions that not only work, but also are practical and cost efficient.

ARC strives to develop long-term business-to-business relationships and partnerships with next-level products and technologies, accompanied by superior customer support that exceeds the needs of a dynamic marketplace.

Sales Contacts (Both international and domestic)
Bob Parker
bparker@e47nano.com

Bill Douglas
918-258-8788
bdouglas@e47nano.com

For more information, please visit http://www.e47nano.com/ .

Contact Information:
Jeff G. Phillips
jeff@arcoutdoors.com
918.258.8788

Source: ARC Outdoors

CONTACT: Jeff G. Phillips of ARC Outdoors, +1-918-258-8788, or
jeff@arcoutdoors.com

Web site: http://www.e47nano.com/

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Profile: insurance

Lessons Learned From Hurricane Katrina

2005-09-12T09:29:00.002-07:00

Lessons Learned From Hurricane Katrina

Important Advice From StormTips.Com and Dr. Sherrie Raz

BOCA RATON, Fla., Sept. 12 /PRNewswire/ -- It's evident -- many residents in storm prone areas remained complacent in their preparations. In the wake of the catastrophic destruction of Katrina, it's clear that far more can be done to prepare for a weather disaster and to cope with the emotional turbulence that storm season brings.

That information is available at StormTips.com, a public information web site that provides help for preparation and emotional issues. The site recently partnered with Sherrie Raz, Doctor of Clinical Psychology, on a "Stop Storm Stress" section. A registered traumatologist and authority in mental health crisis management, Dr. Raz was part of rescue missions for 9/11 and the 2004 Indonesian Tsunami, and writes with understanding about real life emotional issues that people face when making storm preparations and dealing with its aftermath.

"People only now are beginning to understand the importance of a comprehensive family disaster plan," said Dr. Raz. "There are warnings that friends and family need to be aware of and act upon. On StormTips.com, I address the relationship dynamics that often impede planning progress. StormTips.com raises the often overlooked issues including how to talk to children about impending hurricanes, how to appoint a family team leader, handling the male/female control issues, assigning a contact person should families become separated, and more."

"I began this public service site because of last year's tumultuous hurricane season in Florida," said Mark Dammeyer, Stormtips.com founder and President of Simu-US, a manufacturer of tubular motors and controls for rolling shutters, awnings, and industrial closures. "People were stressed and anxious. Planning for a disaster cannot be an impetuous decision. StormTips.com helps tremendously with that process."

StormTips.com also addresses the aftermath of the storm, from looking for a contactor to information about combating mold damage. In addition, Dr. Raz discusses the signs of post-traumatic stress in adults and children. For additional information visit the Stormtips.com web site at < http://www.stormtips.com/ >. Media queries may send an e-mail to Linda@fullspectrumpr.com or call Linda Hamburger at 954-253-1176 to set an interview or request additional materials.

Source: StormTips.com

CONTACT: Linda Hamburger, +1-954-253-1176, or Linda@fullspectrumpr.com,
for StormTips.com

Web site: http://www.stormtips.com/

EDITORS' ADVISORY: In an effort to aid residents in storm prone areas StormTips.com invites all media to reprint any tips from the site as long as they credit StormTips.com. StormTips.com can also arrange for interviews to offer more comprehensive advice and information.

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Profile: insurance

Orange County Great Park Corporation Launches Public Participation Campaign to Select Great Park Master Designer

2005-09-12T09:29:00.001-07:00

Orange County Great Park Corporation Launches Public Participation Campaign to Select Great Park Master Designer

WHAT: The Orange County Great Park Corporation today launched a
public outreach campaign to give all Orange County residents
an opportunity to see and provide comment on designs
submitted by the seven world renowned landscape architects,
designers and planners competing to be "master designer" of
the Orange County Great Park. The Orange County Great Park
Corporation plans to select the master designer in October.

HOW: The public can participate in two ways:

The public can review the designs on the Internet at
www.ocgp.org. In addition to viewing the designs, an online
poll to determine popular preferences will be conducted from
September 12 through September 25. The online poll results
will be given to the board of directors to assist them in
choosing the master designer. Internet access is available
at all Orange County public libraries.

The public may also view art boards featuring the design
concepts that will be on display at the Irvine Civic Center
between September 12 and 21 from 8:30 A.M. to 5:30 P.M.,
Mondays, Wednesdays and Fridays and 8:30 A.M. to 9:00 P.M.
Tuesdays and Thursdays. They will also be on display
Saturday, September 17 and Sunday September 18 from 9:00 A.M.
to 4:00 P.M. The Irvine Civic Center is located at 1 Civic
Center Plaza in Irvine.

WHY: The public's views will play an important role in determining
who will be master designer of the Orange County Great Park.
This information will be also be provided to the final master
designer of the Great Park.

CONTACT: Maryann Maloney
949-375-0856

PRNewswire -- Sept. 12

Source: Orange County Great Park Corporation

Web site: http://www.ocgp.org/

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Profile: insurance

Golf Galaxy Announces Four Store Openings for Fall 2005

2005-09-12T09:29:00.000-07:00

Golf Galaxy Announces Four Store Openings for Fall 2005

Growing Golf Specialty Chain Will Expand to 49 Stores in 23 States

EDEN PRAIRIE, Minn., Sept. 12 /PRNewswire-FirstCall/ -- Golf Galaxy, Inc. (NASDAQ:GGXY), the interactive golf superstore offering Everything for the Game(R), today announced the fall 2005 grand openings of four Golf Galaxy stores in four states. The new stores include the company's first in the states of Colorado, Nebraska, and Oklahoma, as well as its expansion in the greater Philadelphia market with its first store in the state of Delaware.

(Logo: http://www.newscom.com/cgi-bin/prnh/20050728/CGTH081LOGO )

"The four new stores opening this fall are a continuation of our 2005 expansion plan of 14 to 16 new stores," said Randy Zanatta, president and CEO of Golf Galaxy. "Following the successful opening of 11 new stores this spring, we are excited to enter these new markets, expand our presence in an existing market, and further our objective of becoming the nation's leading golf specialty retailer."

Fall 2005 store openings, which are scheduled for November, include one store each in Denver; Omaha, Neb.; and Tulsa, Okla. -- all new markets for Golf Galaxy. In addition, Golf Galaxy will open its first store in Christiana, Del., bringing to three its number of stores in the greater Philadelphia market.

Eden Prairie, Minn.-based Golf Galaxy owns and operates a growing chain of 45 golf specialty stores in 19 states. The company's Everything for the Game(R) merchandising strategy offers a comprehensive selection of competitively priced brand name golf equipment, accessories, apparel, and golf services in a unique interactive store environment designed to provide customers with friendly pro shop service, superstore selection and guaranteed low prices. Golf Galaxy provides extensive in-store services including on-site club repair and club fitting, as well as golf instruction by on-staff certified PGA professionals who use digital video swing-capture technology. For more information on Golf Galaxy, visit http://www.golfgalaxy.com/ .

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20050728/CGTH081LOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, photodesk@prnewswire.com
Source: Golf Galaxy, Inc.

CONTACT: Patty Gibbs, of Patty Gibbs & Company, +1-651-653-7302,
pattygibbsco@aol.com

Web site: http://www.golfgalaxy.com/

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Profile: insurance

Masco Corporation Names Timothy Monteith Vice President and Chief Information Officer

2005-09-12T07:45:00.000-07:00

Masco Corporation Names Timothy Monteith Vice President and Chief Information Officer

TAYLOR, Mich., Sept. 12 /PRNewswire-FirstCall/ -- Masco Corporation (NYSE:MAS) today announced the appointment of Timothy J. Monteith, 52, to the newly created position of Vice President and Chief Information Officer, effective September 9, 2005. In this position, Monteith will assume responsibility for all aspects of information technology within Masco. Monteith will report to Masco President and Chief Operating Officer Alan Barry.

Monteith comes to Masco from Domino's Pizza, Inc., where he was Executive Vice President and Chief Information Officer. In that capacity, he led a corporate-wide initiative to leverage technology to improve marketing and financial performance throughout both company and franchise operations. Prior to Domino's Pizza, he held several senior management positions with Thomas S. Monaghan, Inc., including Executive Vice President and Chief Operating Officer with responsibility for companies involved with leasing/finance, property management, computer software and broadcasting.

"Tim brings tremendous experience in management and information technology," said Masco President Alan Barry. "We have great confidence that he will play a key role as a member of Masco's executive management team in developing coordinated information strategies and systems across Masco."

Monteith is a graduate of the University of Michigan, with both a B.S. and M.S. in Engineering. He and his wife Ruth reside in Ann Arbor, Michigan, and have five children.

Source: Masco Corporation

CONTACT: Samuel Cypert of Masco Corporation, +1-313-792-6646

Web site: http://www.masco.com/

Company News On-Call: http://www.prnewswire.com/comp/535350.html

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Profile: insurance

Doll Technology Group Delivers First Production Units for Just-In Case Fire Ltd.

2005-09-12T07:17:00.000-07:00

Doll Technology Group Delivers First Production Units for Just-In Case Fire Ltd.

Valued to Bring Revenues Of Over $5 Million in 2006

SEDRO-WOOLLEY, Wash., Sept. 12 /PRNewswire-FirstCall/ -- Doll Technology Group Inc. , a manufacturer and marketer of clean products and technology solutions, announced today that its subsidiary Doll Manufacturing has produced the first units for Just-In Case Fire Ltd., makers of fire suppression solutions headquartered in Calgary, Alberta, Canada. The units fill the initial delivery requested by Just-In Case Fire Ltd against a 10,000 unit blanket order of its Fire Caddy DC(TM) fire suppression systems. The contract is valued to bring revenues of over $5 million to Doll Technology in FY 2006. In addition, a long-term contract has been established for the ongoing assembly of these systems for the next two years and is renewable in one-year increments thereafter. In a previous press release issued on August 16, 2005, the contract length was incorrectly indicated as being three years renewable in three-year increments thereafter.

Robert Doll, FRAeS, Founder and Chairman said, "We are pleased that Just- In Case Fire Ltd. chose Doll Technology as their assembly partner for their Fire Caddy DC(TM) supplementary fire suppression systems. The delivery of these initial units marks a milestone for both partners in the supply of the Fire Caddy DC(TM) to combat fires. Fire suppression and prevention systems and technology is a core competency of Doll Technology Group. The Company's experience in this area has won contracts with the U.S. Navy, The Safety Board of Canada, and FedEx for the development or testing of related products and technologies."

The Fire Caddy DC(TM) is a portable unit operating on direct current, from an enclosed battery unit. It can be manually or remotely activated to deliver a water and fire suppressant foam mixture to small fires. The fire suppressant FlameOut(R) foam is induced automatically inside the system to deliver an optimum blend of biodegradable fire suppression foam. The Fire Caddy DC(TM) can also be used to drive a Just-In Case Sprinkler System to provide protection against the loss of homes located in high wildfire risk areas. The Fire Caddy DC(TM) is utilized in a myriad of applications for different industries including residential and commercial buildings, recreation, construction, mining, marine, and transportation.

About Doll Technology Group

DTGP provides Clean Solutions for Complex Problems. Doll Technology is a consolidated group of companies dedicated to bring to market, a wide range of environmentally friendly products and technologies. The Doll Technology Group is dedicated to improving the safety and environment of everyday life by providing products that are totally benign to the environment, conserve water, increase fire safety, and conserve energy. Doll Technology Group currently markets products created and used all over the world. Redbrooks Laboratory, a DTGP subsidiary, is a full service independent facility that tests, qualifies and certifies all Doll Technology Group's products and services. The laboratory is one of the few government certified facilities for the testing of fire suppression systems for the aerospace, maritime, and general industries. For more information, visit http://www.dolltech.com/.

Safe Harbor Statement Under The Private Securities Litigation Reform Act of 1995: The statements in the press release that relate to the company's expectations with regard to the future impact on the company's results from new products in development are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The results anticipated by any or all of these forward-looking statements may not occur.

For further information, contact:
Investor relations:
OTC Financial Network
Rick McCaffrey
781-444-6100, x625
rick@otcfn.comhttp://www.otcfn.com/dtgp

Source: Doll Technology Group Inc.

CONTACT: Investor relations: Rick McCaffrey of OTC Financial Network,
+1-781-444-6100, ext. 625, rick@otcfn.com, or http://www.otcfn.com/dtgp, for
Doll Technology Group Inc.

Web site: http://www.dolltech.com/

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Profile: insurance

Dwell Announces Plans to License Dwell Homes

2005-09-12T07:11:00.000-07:00

Dwell Announces Plans to License Dwell Homes

Integrated Partnership Delivers on Prefab's Promise

SAN FRANCISCO, Sept. 12 /PRNewswire/ -- Dwell magazine announced an exciting partnership today, signaling a seminal step forward for modern prefabricated housing.

Bound by a collective commitment to building well-designed, affordable modern homes, Dwell has teamed up with Empyrean International LLC (formerly Deck House), Resolution: 4 Architecture, and Lazor Office to create The Dwell Homes(TM) by Empyrean -- an exclusive collection of custom-designed, modern prefabricated homes.

"One of the major obstacles prefab has faced," said Dwell Editor-in-Chief Allison Arieff, "has been effective collaboration among designers, manufacturers, and clients. This partnership brings together experienced parties across that spectrum, all of whom are passionate about and committed to prefab's potential. As a result, we're able to offer the public not one but three beautifully designed, highly functional, and eminently livable homes."

The three designs are featured in the October-November Fifth Anniversary issue of Dwell, on newsstands Tuesday, September 20.

Designs

Joseph Tanney and Robert Luntz of Resolution 4: Architecture -- winners of the first Dwell Home Design Invitational in 2003 -- have adapted their winning Dwell Home design, heralded as "arguably the most high-profile prefab house in America" by The Washington Post.

Charlie Lazor of Lazor Office will commercially launch his brilliant FlatPak system, which Newsweek described as "the first revolution in American housing in decades."

Joel Turkel of Empyrean, with first-hand experience in both architecture and manufacturing, has envisioned Next House, an inspiring brand new design to complete the package.

Manufacturing

Empyrean will also be the exclusive manufacturer of The Dwell Homes by Empyrean, adding unique synchrony to the partnership. The homes will be manufactured at the Empyrean factory in Acton, Massachusetts with regional offices serving clients throughout the country.

Each home is pre-cut and panelized for easy assembly in a fraction of the time that it takes to assemble a typical architecturally designed home.

"Our association with Dwell and a group of bold modernist architects is a key element in the transformation of our company from a manufacturing firm that designs into the only architectural firm that manufactures its homes," says Michael Harris, Empyrean president and CEO.

Specifications

All designs are available in two levels and square footage for each of the three designs ranges from 2526 to 3044 square feet not including optional porches and decks. The FlatPak and Empyrean designs feature post and beam structural systems; the Resolution: 4 Architecture is wood frame. All designs are pre-specified for interior doors and finishes, floor, wall and roof systems, stairs and rails, windows and sliding doors, and cabinets and casework.

Though prices vary based on selected size and local labor costs, the average cost of a 2,500 square foot Dwell Home is estimated to range between $175-$250 per square foot.

Design Seminars

The Dwell Homes by Empyrean will launch at a series of kick-off events throughout the Fall.

San Francisco October 26
Los Angeles October 27
New York November 10
Annapolis November 11
Boston November 12

For more information, please visit www.thedwellhomesbyempyrean.com .

About Dwell

Dwell was created to expand perceptions of the word "home" and champion an aesthetic in home design that is modern, idea-driven and sensitive to social and physical surroundings. Its inherent passion for "bringing good design to everyone" has helped propel the prefab movement onto the national stage. For more information visit www.dwellmag.com.

Source: Dwell Magazine

CONTACT: Shelley Kieran of Dwell Magazine, +1-650-838-9431, or
shelley@dwellmag.com

Web site: http://www.dwellmag.com/

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Profile: insurance

L'Oreal's Third International Symposium on Ethnic Hair and Skin Spotlights New Treatments, Key Dermatological Issues

2005-09-12T07:09:00.000-07:00

L'Oreal's Third International Symposium on Ethnic Hair and Skin Spotlights New Treatments, Key Dermatological Issues

CHICAGO, Sept. 12 /PRNewswire/ -- The third international symposium on ethnic hair and skin, a gathering of respected scientific thought leaders, will convene this September in Chicago, sponsored by the L'Oreal Institute for Ethnic Hair and Skin Research, in partnership with Howard University College of Medicine, Department of Dermatology.

The symposium, "Ethnic Hair & Skin: Advancing the Scientific Frontier," will bring together dermatologists, other physicians and scientists from academia, industry and private practice to discuss the latest ethnic-specific research. The three day event will be held September 23 through 25, 2005, at The Fairmont Hotel, 200 N. Columbus Drive, Chicago, and will feature presentations by a number of leading researchers from around the world.

This year, the symposium breaks new ground by exploring not only new laboratory research, but also experimental clinical treatments, including use of lasers to treat hair and skin problems.

"This year's exciting research offers new hope that serious hair and skin problems can be controlled, either by using new treatments being presented or by building on the findings of researchers in the field," said Victoria Holloway Barbosa, MD, MPH, director of the L'Oreal Institute for Ethnic Hair and Skin Research. "This symposium demonstrates how L'Oreal's commitment to science extends beyond the company, into the larger scientific community, providing a forum to discuss the very real concerns for women and men of different ethnicities.

"Disfiguring hair and skin disorders can dramatically affect how an individual copes with the world," Holloway Barbosa added. "Finding tangible solutions will do more than make people look better; it will contribute to their quality of life. The research shared during the Symposium represents a significant step toward treating these problems."

The research findings to be presented deal with a variety of dermatological issues confronting ethnic consumers, including:

-- New treatments for pseudofolliculits barbae or hair bumps.

-- New treatments for alopecia, or hair loss in women of color.

-- New research into maturational hyperpigmentation or age spots.

-- The use of new molecules in preventing melanogenesis or pigmentation
spots.

-- Strengthening African hair.

-- Use of lasers in the treatment of acne.

-- Use of lasers in the treatment of facial hair.

"This event continues to break new ground," said Dr. Rebat Halder, Chairman of the Howard University Department of Dermatology and co-chair of the symposium. "Approximately 80 percent of the world's population are people of color, deriving from places such as Africa, Asia, Latin America and the Caribbean, however, most of the scientific community's understanding of the structure and function of hair and skin comes from research on Caucasian people. This symposium and the work of L'Oreal's Institute are significant in broadening the knowledge base."

The Symposium will also feature keynote addresses by two women who understand the issues facing ethnic consumers and the importance of this research: Mikki Taylor, cover and beauty editor of Essence magazine, and A'Lelia Bundles, author of the critically-acclaimed, best-selling biography about her great-great-grandmother On Her Own Ground: The Life and Times of Madam C. J. Walker.

"The research being discussed here is critical to solving the problems affecting millions of consumers and patients worldwide," said Dr. Susan Taylor, Founding Director, Skin of Color Center at St. Luke's-Roosevelt Hospital Center in New York. "L'Oreal is helping to focus the rigorous science of skin and hair on the needs of ethnic people. This science improves our knowledge of skin and hair diseases, treatments and products. This exciting meeting lays critical groundwork for the future."

Researchers, healthcare providers and others interested in registering for or learning more about the symposium should e-mail: Loreal@ghgroup.com or phone: 877-327-8564.

About the L'Oreal Institute

The Chicago-based L'Oreal Institute for Ethnic Hair and Skin Research is the first and only research facility operated by a beauty company whose sole mission is to conduct and support basic science research to better understand the unique properties of the hair and skin of people of African descent. Established in 2000, the Institute moved into new state-of-the-art laboratories on Chicago's Near South Side in June of 2003. In addition to conducting research, the L'Oreal Institute supports educational activities that provide healthcare professionals, researchers and consumers with information about personal care issues specific to people of African descent, such as hair loss and skin discoloration -- issues that are particularly important to these populations and need further research. The L'Oreal Institute is one of 11 L'Oreal Group skin and hair research centers in France, the United States and Japan. The company dedicates over $300 million a year to research and development -- more than any other beauty company in the world.

About Howard University College of Medicine

Founded in 1868, the Howard University College of Medicine was the first medical school in the United States dedicated to training African-American physicians. Under the leadership of Dr. John A. Kenney, Jr., the Department of Dermatology became a full department, separate from internal medicine, in 1973. The department continues to thrive with a diverse faculty, a residency- training program, and active clinical and laboratory research in skin diseases that specifically affect ethnic populations. An Institute for Black Skin Research was established within the department in 1999.

Source: L'Oreal Institute for Ethnic Hair and Skin Research

CONTACT: Geoff Curtis of GCI Group, +1-312-229-9702,
gcurtis@gcigroup.com

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Profile: insurance

Jarden Corporation to Participate in the Banc Of America 35th Annual Investment Conference

2005-09-12T06:40:00.000-07:00

Jarden Corporation to Participate in the Banc Of America 35th Annual Investment Conference

RYE, N.Y., Sept. 12 /PRNewswire-FirstCall/ -- Jarden Corporation (NYSE:JAH) today announced that the Company will participate in the Banc of America 35th Annual Investment Conference in San Francisco. The presentation will be web cast live on Monday, September 19, 2005 at 2:30 p.m. Pacific and will be archived through Monday, October 3, 2005. The web cast can be accessed through the Company's website at www.jarden.com.

Jarden Corporation is a leading provider of niche consumer products used in and around the home. Jarden operates in three primary business segments through a number of well recognized brands, including; Branded Consumables: Ball(R), Bee(R), Bicycle(R), Crawford(R), Diamond(R), Forster(R), Hoyle(R), Kerr(R), Lehigh(R), Leslie-Locke(R) and Loew-Cornell(R); Consumer Solutions: Bionaire(R), Crock-Pot(R), First Alert(R), FoodSaver(R), Harmony(R), Health o Meter(R), Holmes(R), Mr. Coffee(R), Oster(R), Patton(R), Rival(R), Seal-a- Meal(R), Sunbeam(R), VillaWare(R) White Mountain(TM) and Outdoor Solutions: Campingaz(R) and Coleman(R). Headquartered in Rye, N.Y., Jarden has over 16,000 employees worldwide. For more information, please visit www.jarden.com.

Note: This news release contains "forward-looking statements" within the meaning of the federal securities laws and is intended to qualify for the Safe Harbor from liability established by the Private Securities Litigation Reform Act of 1995, including statements regarding the outlook for Jarden's markets and the demand for its products, future cash flows from operations, future revenues and margin requirement and expansion, the success of new product introductions, growth in costs and expenses and the impact of acquisitions, divestitures, restructurings and other unusual items, including Jarden's ability to integrate and obtain the anticipated results and synergies from its acquisitions. These projections and statements are based on management's estimates and assumptions with respect to future events and financial performance and are believed to be reasonable, though are inherently uncertain and difficult to predict. Actual results could differ materially from those projected as a result of certain factors. A discussion of factors that could cause results to vary is included in the Company's periodic and other reports filed with the Securities and Exchange Commission.

Source: Jarden Corporation

CONTACT: Investor Relations: Cara O'Brien, or Melissa Myron, or Press:
Evan Goetz, all of Financial Dynamics, +1-212-850-5600

Web site: http://www.jarden.com/

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Profile: insurance

BankFirst Partners with Next Estate Communications and Joins Green Dot Financial Network

2005-09-12T06:30:00.000-07:00

BankFirst Partners with Next Estate Communications and Joins Green Dot Financial Network

Adds Tens of Thousands of Reload Locations

LOS ANGELES and SIOUX FALLS, S.D., Sept. 12 /PRNewswire/ -- BankFirst, Inc. and Next Estate Communications, Inc. (NEC) announced that they have executed a master agreement allowing BankFirst's 150+ prepaid card programs to be reloaded at Next Estate Communications' Green Dot(TM) Financial Network retail locations. The Green Dot Financial Network is BankFirst's largest retail network for reloading of prepaid card products. Participating card programs can reload at Green Dot Financial Network locations including major retailers such as, Rite Aid, CVS Pharmacy, RadioShack, Walgreens, plus many others.

The Green Dot Financial Network is one of America's largest retail-based financial networks providing cash acceptance services including prepaid card reloading and remittance cash collection. The Green Dot Financial Network provides consumers easy access to reload locations through tens of thousands of retail locations nationwide.

"BankFirst's partnership with Next Estate enables us to offer value-added reload services which can be rapidly implemented to enhance our prepaid card programs," said Jeremy Kuiper, Senior Vice President of BankFirst Stored Value Solutions. "The quantity and quality of Green Dot Financial Network reload locations means convenience for cardholders to reload, which leads to increased card usage and retention, and enhanced profitability for our prepaid card providers and BankFirst. It's a win-win-win."

"We're very excited to partner with a prepaid solutions innovator like BankFirst to provide a reload network for their prepaid card programs," said Steve Streit, President and CEO, Next Estate Communications. "We look forward to working together with BankFirst to bring unparalleled convenience and value to their many card programs."

About BankFirst

BankFirst is a progressive bank specializing in reliable, innovative payment services and competitive deposit products for consumers nationwide. After over 75 years, BankFirst continued to provide innovative solutions by shifting its focus to stored value cards and related services in 2001; BankFirst is now recognized as a leader and pioneer in this emerging industry. The bank is chartered in Sioux Falls, SD, with offices in neighboring Toronto and Brookings, SD, as well as Chandler, AZ, and Minneapolis, MN.

About Next Estate Communications, Inc.

Next Estate Communications, Inc. (NEC) is a pioneer in association-branded prepaid financial products and services. NEC owns and operates the Green Dot Financial Network, one of America's largest retail-based financial networks providing cash acceptance services including prepaid card reloading and remittance cash collection. A privately-held company, NEC is headquartered in the greater Los Angeles area. For more information visit http://www.nextestate.com/ or call (626) 775-3718.

Source: Next Estate Communications, Inc.

CONTACT: Toni M. Peluso of The Marshall Group (BankFirst), +1-800-369-
6595, tpeluso@marshallgroupinc.com; Harrison Liu,, M. Silver Associates (NEC),
+1-954-765-3636, harrison@msilver-pr.com

Web site: http://www.nextestate.com/

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Profile: insurance

Guardian Presents Sixth Annual Girls Going Places(R) Entrepreneurship Award Program

2005-09-12T06:23:00.000-07:00

Guardian Presents Sixth Annual Girls Going Places(R) Entrepreneurship Award Program

NEW YORK, Sept. 12 /PRNewswire/ -- The Guardian Life Insurance Company of America (Guardian) announced today the launch of the 2006 Girls Going Places(R) Entrepreneurship Award Program, a national competition that recognizes and rewards teen-aged girls who demonstrate exceptional entrepreneurship.

Guardian and Girls Going Places(R) will award 15 girls a total of $30,000 to be used toward furthering their education and supporting their entrepreneurial pursuits. Three top prizes of $10,000, $5,000 and $3,000 and 12 finalist prizes of $1,000 each will be granted. Adults are asked to nominate girls - who could be their daughter, niece, neighbor or student - by submitting a 750 to 1,000-word essay on why the nominee deserves a Girls Going Places(R) award. A panel of judges will review the essays and pick finalists that:

* Demonstrate budding entrepreneurship and/or financial acumen;
* Have taken the first steps toward financial independence;
* Make a difference in their school or community;
* Show potential for future success by initiating a new business.

"There are more than nine million women business owners in the United States today, who are contributing $3.6 trillion to the economy," said Emily Viner, Field Vice President, Individual Markets, Guardian, New York. "Guardian created Girls Going Places to educate young women about the financial and entrepreneurial opportunities available to them. We want to recognize their accomplishments and help prepare them for the future."

The nomination period begins in September and entries will be accepted through February 24, 2006. Awards will be presented to each winner within their respective communities.

During the 2005 Program, Guardian received more than 4,600 nominations. The National First Place winner in the 2005 competition, Chauncey Holloman, founded Harlem Lyrics Enterprises, Inc., a greeting card and merchandising business. The company's cards, hats, t-shirts, stationary and other merchandise feature Hip Hop slang and target young adults between the ages of 13 and 24. Chauncey's products are sold in two national chains, Kroger and Walgreens, and in florists, book stores and gift shops across the United States.

The Girls Going Places(R) Entrepreneurship Award Program anchors Guardian's Women's Initiative, which was established to help women create, invest and protect wealth. As part of this effort, Guardian is a National Patron of the National Association of Women Business Owners (NAWBO), which partially underwrites the Girls Going Places(R) awards. Additional information about the program and nomination forms for the competition can be found at http://www.girlsgoingplaces.com/.

About Guardian

Source: The Guardian Life Insurance Company of America

CONTACT: Heather Wilner, Manning, Selvage & Lee, +1-212-468-3732,
heather.wilner@mslpr.com; Jackie Kanas of The Guardian Life Insurance Company
of America, +1-212-598-1554, e-mail: Jackie_Kanas@glic.com

Web site: http://www.girlsgoingplaces.com/
http://www.guardianlife.com/

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Profile: insurance

MassMutual's e4(SM) Wireless Enrollment System Delivers Recordbreaking 401(k) Participation and Deferral Rates

2005-09-12T06:17:00.000-07:00

MassMutual's e4(SM) Wireless Enrollment System Delivers Recordbreaking 401(k) Participation and Deferral Rates

Fun, easy-to-use system is a hit with plan sponsors and participants

SPRINGFIELD, Mass., Sept. 12 /PRNewswire/ -- "How can I motivate more employees to take an active role in planning and saving for retirement?" The question has plagued retirement plan sponsors for years -- and MassMutual's groundbreaking e4(SM) wireless enrollment technology is proving to be a long- awaited answer.

(Photo: http://www.newscom.com/cgi-bin/prnh/20050912/NEM013 )

The vision at MassMutual Retirement Services was to make retirement planning less overwhelming for participants and more action-oriented. The company engaged Ameranth Wireless Inc., a leader in the development of wireless technology applications, to develop e4, MassMutual's custom Electronic Enhanced Enrollment Experience. The e4 system uses first-of-its- kind technology to "walk" participants through the retirement plan enrollment process and help them enroll instantly. Participants can also increase deferrals, change asset allocations and more on the spot.

Putting Retirement Planning in the Palm of Their Hands

During a MassMutual e4 enrollment meeting, each attendee uses a secure hand-held device that communicates wirelessly with a laptop, operated by a MassMutual communication specialist. Each hand-held device can retrieve a participant's password-protected information and plan-specific data such as sources of retirement income, target retirement year and investment options, enabling the participant to make highly personalized retirement decisions.

The communication specialist uses the e4 system to deliver a customized education presentation that is synchronized to the hand-helds, ensuring that all participants are receiving the same educational message at the same time. This allows each participant to take immediate action when prompted. The participant simply follows along and makes elections by touching the screen with a stylus (electronic pencil). The information they enter is retrieved wirelessly, in real time, by the laptop, enabling the communication specialist to address questions as they arise.

MassMutual piloted e4 with several plan sponsors and participant focus groups in early 2005, and the results have been stunning. Among nonparticipating employees who attended an e4 meeting at Ingalls, 100% took action. And that's good news for plan sponsors who have struggled with enrollment rates hovering around 50%. Overall, the average new participant deferral rate using e4 is 4.66%. Even more promising is that the enthusiasm is contagious -- employees are actually excited about the enrollment experience and are sharing the good news with fellow employees.

"My employees actually said the enrollment meeting was fun using e4!" stated Cindy Smith, benefits manager, Ingalls Health System, Chicago, Ill. "Even employees who are uncomfortable with technology said e4 was simple to use and made it fun to take charge of their retirement planning," Smith added. MassMutual manages all three of Ingalls' retirement plans including a 403(b) plan with approximately 2,700 eligible participants and $52 million in plan assets, as well as a 401(k) plan and a nonqualified plan.

"A common hurdle at enrollment meetings is that, if participants are required to write in a lot of information, they'll often decide to put it off to a later time -- and they may never actually enroll. With e4, all the information is prepopulated for each employee, making it really easy for participants to act immediately," said Rick Bindler, retirement plan consultant, Marsh Retirement Consulting Practice, and a registered representative with MMC Securities Corp., Chicago, Ill., who assisted Ingalls with the selection of MassMutual as its new full-service provider. "e4 was a differentiator," added Bindler.

"Our e4 technology makes it easier for employees to join their company- sponsored retirement plan by helping them take immediate action. And that's one of the keys to its tremendous success," said Fred Castellani, executive vice president for MassMutual's Retirement Services division. "They don't have to go home and think about it or revisit it later. They're engaged during the meeting and surrounded by fellow workers who are also excited about enrolling. They understand what they have to do and can make decisions on the spot with assistance from a MassMutual communication specialist. e4 puts control into the hands of the participant, effortlessly leading them through the enrollment process," added Castellani.

Overcoming Inertia with e4

HealthNow New York Inc., Buffalo, N.Y., a MassMutual client since 1997, was also among the plan sponsors enlisted for the pilot testing. HealthNow, one of New York State's leading healthcare companies, has more than 2,300 employees in four locations, and 401(k) plan assets of more than $76 million.

"Inertia is the biggest hurdle, so e4 is the perfect vehicle for employers who are not comfortable with moving to automatic enrollment, but want to make it as easy as possible for employees to take charge of their retirement planning. e4 captures employees when they are really focused on their retirement and helps them take immediate action," said Bruce Morlock, corporate manager, compensation & benefits, for HealthNow. The company has held two enrollment meetings with 95% of eligible attendees enrolling on the spot. "Any tool that can produce results like this is obviously working," he added. HealthNow and Ingalls have planned additional e4 meetings this year.

The e4 technology complements MassMutual's innovative behavioral approach to participant investing called "Prepared USA." Prepared USA is a destination -- a place where participants can feel comfortable about saving for retirement no matter what their level of investing knowledge. The simplicity of both e4 and the Prepared USA approach helps motivate employees to enroll in their retirement plan and allocate their investments appropriately based on their attitudes about investing and how many years they have to prepare for retirement.

"Using e4, action rates in the 85% to 95% range are not uncommon," added Castellani. "We were confident that this new technology would be very successful, but the reality is the results are even better than we expected."

"e4 helps improve every step of the process for both participants and plan sponsors," stated Ian Sheridan, vice president of marketing and business development for MassMutual Retirement Services division. "After an e4 meeting, the plan sponsor receives a report detailing action taken by each employee without stacks of paper forms to process. It helps them reduce their administrative burden and meet their obligations as a plan fiduciary," he added.

"Thinking about financial needs after retirement is not an experience most people enjoy. With their e4 wireless enrollment technology, MassMutual has fundamentally transformed the experience of retirement planning for their customers. At the same time, they have empowered their employees with the tools to be customer heroes. Microsoft Mobile technologies are designed to help reinforce the personal relationships central to a good financial plan -- not replace them. MassMutual has taken a giant step forward in helping Americans take retirement planning into their own hands, allowing them to enroll with the convenience of a hand-held device," said Bill Hartnett, Microsoft's GM of Financial Services Strategy and Solutions.

"MassMutual's new e4 enrollment system provides Ameranth with an opportunity to do what we do best -- use wireless technology built on the Microsoft architecture to help people do their jobs better, faster, and more efficiently," said Keith McNally, Ameranth's CEO. "The e4 system converts a passive, paper-based customer experience into an active, participatory wireless experience that results in much greater participant involvement. MassMutual's visionary application of this technology can be used to improve efficiencies in numerous health care, insurance and financial services processes," added McNally.

MassMutual is already developing enhancements to the e4 experience with input from plan sponsors and participants. "We are committed to ensuring that e4 remains the most user-friendly and results-oriented tool available to help every worker plan for a more secure retirement and ease the burden on plan sponsors," explained Castellani.

For more information or to schedule a capabilities presentation including e4, visit http://www.ps.massmutual.com/ or call (888) 626-4911.

About MassMutual

MassMutual's Retirement Services Division has been serving retirement plans for nearly 60 years. It offers a full range of products and services for corporate, union, nonprofit and governmental employers' defined benefit, defined contribution and nonqualified deferred compensation plans. It serves approximately 968,000 participants.

MassMutual Financial Group -- comprised of member companies with more than $370 billion of assets under management as of 6/30/05 -- is a global, growth- oriented, diversified financial services organization providing life insurance, annuities, disability income insurance, long-term care insurance, retirement planning products, structured settlement annuities, trust services, money management, and other financial products and services. Assets under management include assets and certain external investment funds managed by MassMutual subsidiaries.

MassMutual Financial Group is a marketing designation (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliates, which include: OppenheimerFunds, Inc.; Babson Capital Management LLC; Baring Asset Management Limited; Cornerstone Real Estate Advisers, LLC; MML Investors Services, Inc.; The MassMutual Trust Company, FSB; Antares Capital Corporation; MML Bay State Life Insurance Company; C.M. Life Insurance Company; and MassMutual International, Inc. MassMutual is on the Internet at http://www.massmutual.com/.

Massachusetts Mutual Life Insurance Company (MassMutual) and affiliates, Springfield, MA 01111-0001

Securities offered through registered representatives of MML Investors Services, Inc., a MassMutual subsidiary.

About Ameranth Technology

Ameranth Wireless Inc. is a recognized wireless integration leader with its broad suite of innovative software applications including 21st Century Restaurant(TM) Wireless POS, Hostalert Table Management, Reservations Management, 21St Century Concierge(TM), Electronic Menus, Guest Surveys, and Inventory Management. Ameranth has been awarded five "best product" awards in the Hospitality Market. In addition, the company has been selected for three highly competitive financial awards/grants for wireless technology development from the National Science Foundation and a fourth from the California Goldstrike Program -- totaling $1 million. Tel: (888) AMERANTH, Fax: (858) 362-0151, http://www.ameranth.com/ or info@ameranth.com.

Contact: Lisa Reilly
413-744-0589
lreilly@massmutual.com

Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20050912/NEM013
AP Archive: http://photoarchive.ap.org/
AP PhotoExpress Network: PRN2
PRN Photo Desk, photodesk@prnewswire.com
Source: MassMutual Financial Group

CONTACT: Lisa Reilly of MassMutual, +1-413-744-0589,
lreilly@massmutual.com

Web Site: http://www.massmutual.com/
http://www.ps.massmutual.com/
http://www.ameranth.com/

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Profile: insurance

Chemung County, NY Implements Medicaid Management with Efficiency Solution from Salient Corporation

2005-09-12T06:16:00.000-07:00

Chemung County, NY Implements Medicaid Management with Efficiency Solution from Salient Corporation

Salient Corporation's Muni-Minder(TM) Has the Potential to Uncover Millions in Waste and Fraud for the County

HORSEHEADS, N.Y., Sept. 12 /PRNewswire/ -- Salient Corporation, a leader in performance management solutions, today announced that Chemung County, New York has implemented its Muni-Minder solution to manage the County's Medicaid program, the largest and most costly program in every New York State county's annual budget.

Chemung County is using Muni-Minder to provide Medicaid administrators with real-time, interrogative, graphical access to Medicaid program data, enabling them to immediately research and act on questionable activity. The ability to identify problems will allow the County to potentially save millions in annual Medicaid costs. Within just days of initiating the Muni- Minder pilot, Chemung County has identified several potential abuses that have occurred within their Medicaid system.

"This is revolutionary," said Chemung County Executive, Tom Santulli. "Now, for the first time, officials will be able to know exactly how every Medicaid dollar is spent, down to the last penny on prescription drugs or to the first person to receive treatment under the program this year. Savings could range from $2 million to $5 million in local dollars and billions statewide."

History of the Medicaid Problem in New York

According to a July 26, 2005 editorial in The Empire Journal, "Since 1995 in New York State, Medicaid spending has increased over 83% from $24.3 billion to $44.5 billion. Of that $44.5 billion, the federal share is 50%, and state and local governments pay the other 50%."

The size and complexity of Medicaid presents considerable challenges for government. Such a high volume of transactions makes it very difficult to legitimately track payments, claims, pharmacy purchases and the millions of other related exchanges that take place within the Medicaid program every day.

How Muni-Minder is Being Used

Salient's Muni-Minder(TM) provides the flexibility Chemung County needs to quickly identify and define unusual activities, as well as identify problem areas that can lead to saving millions of dollars. Muni-Minder's sophisticated architecture allows users to access, control and compare data on-demand and creates instant visibility with user friendly, high quality graphics. Chemung County can now link every transaction to a behavior and obtain the most comprehensive view of all transactions and how they relate, in real time.

"Medicaid misuse can be greatly reduced when waste becomes visible," said Salient President Guy Amisano. "It has a real chilling effect on bad actors when they know they are going to show up on some 'outlier' report next Monday," Amisano added.

About Muni-Minder Max

Muni-Minder(TM) Max organizes data from the many parts of government into a comprehensive system for managing taxpayer dollars. It integrates data from human services, including Medicare and welfare, emergency services, public works, contracts, tax collections and other useful data. The end result is a comprehensive and continuous view of government efficiency that is instantly accessible to any who need it. Users get a powerful, interactive tool to investigate, monitor and optimize the efficiency of public sector activities.

About Salient Corporation

Salient Corporation provides performance management solutions that enable companies to measure and improve management effectiveness through faster and more precise intelligence. Salient is world-wide in scope with clients in more than 44 countries. For more information, please visit http://www.salient.com/. To purchase or demo Salient's software, contact the company at info@salient.com or (607) 739-4511.

Contact
Jen Revis Snider
Red Javelin Communications
jen@redjavelin.com
617-795-0798
http://www.redjavelin.com/

Source: Salient Corporation

CONTACT: Jen Revis Snider of Red Javelin Communications, +1-617-795-
0798, jen@redjavelin.com

Web site: http://www.salient.com/

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Profile: insurance

Foamix to Showcase Emulsion-Based Cosmetic Foams at The Health and Beauty America (HBA) Conference in New York

2005-09-12T06:09:00.000-07:00

Foamix to Showcase Emulsion-Based Cosmetic Foams at The Health and Beauty America (HBA) Conference in New York

Foamix CEO Dr. Dov Tamarkin to Present "FOAM IS THE FUTURE VEHICLE FOR COSMECEUTICAL PRODUCTS" at HBA on September 27th from 2:15 pm - 4:45 pm

NESS ZIONA, Israel, September 12/PRNewswire/ -- Foamix (www.foamix.co.il) announced today that it will be exhibiting at
the Health and Beauty America Conference at the Jacob K. Javits Convention
Center, at 655 West 34th Street in New York, NY, September 27-29, 2005.
Attendees areinvited to visit the team at booth number 1051 for a briefing
and demonstration of Foamix's Cosmetic Foams.

Foamix Emulsion-based Cosmetic Foams mix oil and water to
create a brilliant, patent-pending, new delivery system perfect for
dispensing any cosmetic. Foamix's Cosmetic Foams are stable, highly
absorbent, light and luxuriously creamy. They are stable, spread easily,
dissolve quickly and leave a clean, fresh feeling. Foamix's Cosmetic Foams
enable scents to last longer on the skin and can employ any type of oil, in
its proprietary drip-free oil formula. Foamix's Cosmetic Foams are designed
for cosmetic companies poised to enhance the face of skin care.

"Foam products are preferred by customers and known to
generate premium returns. Our goal at the HBA is to establish partnerships
with cosmetic companies keen on delivering their products in an alcohol-free,
state-of-the-art foam delivery system. We look forward to seeing you in NY,"
said Foamix CEO Dr. Dov Tamarkin.

Foamix also announced today that CEO Dr. Dov Tamarkin is
scheduled to present at HBA on Tuesday, September 27, 2005, 2:15pm - 4:45pm,
as part of the PDMC 1 Master Class - NEW DEVELOPMENTS IN DELIVERY SYSTEMS
track. The title of Dr. Tamarkin's presentation: FOAM IS THE FUTURE VEHICLE
FOR COSMECEUTICAL PRODUCTS. Please refer to the program guide for an exact
location.

About Foamix

Headquartered in Ness Ziona, Israel, Foamix Ltd. develops
alcohol-free, non-flammable, stable foam products for prescription,
Over-the-Counter and cosmetic uses. Foamix's state-of-the-art foams provide
controlled delivery of a variety of active ingredients. They are also able to
enhance intradermal delivery of actives, for optimal effect. The Company's
development capabilities range from initial development of foam formulations
to scale-up, GMP manufacturing and clinical supplies. The Company was founded
in January 2003 by CEO Dr. Dov Tamarkin, COO Mr. Meir Eini and Chief
Technology Officer Dr. Doron Friedman. The Company employs 24 people and has
22 patents pending. In addition, Foamix recently received three U.S. patent
approvals for its OilGel(TM) topical delivery platform. Foamix Ltd. is a
pre-IPO, privately held company, currently looking to establish partnerships
with likeminded cosmetic companies.

For additional information: Marjie Hadad, Media Liaison,
Foamix, marjie@foamix.co.il; +972-54-536-5220.

Source: Foamix Ltd.

Marjie Hadad, Media Liaison, Foamix, marjie@foamix.co.il; +972-54-536-5220

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Profile: insurance

Total Data Management(R) Now Available to the Capital Markets Industry

2005-09-12T06:05:00.000-07:00

Total Data Management(R) Now Available to the Capital Markets Industry

Total Data Management Optimizes Costs and Efficiency to Provide the Best Data Management Architecture Based on ROI and Data Needs

NEW YORK and LONDON, September 12/PRNewswire/ -- Asset Control, a leading provider of centralized data management
solutions to the financial industry, announced at Sibos in Copenhagen last
week that Total Data Management(R) is now available. Total Data Management is
a comprehensive approach to data management, enabling firms to streamline and
optimize reference and pricing data management by integrating proven in-house
and outsourced solutions based on a firm's individual data needs.

In addition to Asset Control's turnkey AC Plus solutions for in-house
implementation, Asset Control can now offer clients an outsourced reference
data solution through its alliance with Accenture. The Accenture Managed
Reference Data Service, which leverages AC Plus technology, provides
reference data management on an outsourced basis to maximize efficiencies and
economies of scale. It includes a full suite of data management, information
technology (IT), vendor management and performance measurement services
through a "one-to-many" service model. Accenture announced its first client
contract for Accenture Managed Reference Data Service this week.

"The availability of in-house and outsourced solutions, that are
seamlessly compatible because they are built on the same core technology,
enables financial industry firms to match their data management strategies to
the ROI in the data and data processes. Distributing data management across
in-house and outsourced platforms simply is a logical approach for optimizing
costs and efficiency," said Ger Rosenkamp, CEO of Asset Control. "Accenture's
proven commitment and track record in managed data services makes them ideal
to work with, and we are delighted with their speedy progress in bringing
the Accenture Managed Reference Data Service to market."

By implementing hybrid in-house and outsourced data management solutions,
financial institutions have the opportunity to reduce their costs of standard
data management, while maintaining proprietary data or analytics in-house.
The Accenture Managed Reference Data Service provides the cost benefits and
comprehensive cleansing services of a shared platform for transforming
commoditized vendor data into cleansed, composite "golden copy" sets. AC Plus
in-house solutions provide a secure, innovative environment for handling
proprietary data and analytics, as well as serving as a
downstream-integration hub for in-house processing and outsourced data input.

"Industry response to Accenture Managed Reference Data Service has been
very positive," said Patricia Tsien, senior executive and head of data
management in Accenture's Capital Markets practice. "We are pleased that both
the cost advantages and the strategic benefits are so well understood. It
makes little sense to invest 80 percent of data management resources doing
standard repair and consolidation, when you can outsource this work and apply
your expert resources to creating new value through proprietary data
management. Like Asset Control, we believe the combination of in-house and
outsourced data management is the wave of the future, and we look forward to
together helping lead this change in our industry."

Accenture Managed Reference Data Service is an outsourced reference data
solution that centralizes the technology infrastructure, data cleansing
operations, vendor management and quality management of reference data for
buy-side and sell-side financial firms. The service is offered globally with
Asset Control technology, supporting all types of financial instruments,
including stocks, bonds, and mortgage-backed securities. It provides manual
data cleansing operations in 15 languages, covering securities indicative
data, corporate actions, pricing data and time-series data.

About AC Turnkey Solutions

The AC Turnkey Solutions program slashes project risk, eliminating
virtually all on-site work implementing data solutions, except for downstream
integration that is usually done at the customer site. Based on the flexible
AC Plus modular framework, these turnkey solutions include automated
gathering and standardization of investment data from internal and external
sources, transforming it into "golden copy" sets for use by downstream
systems and users. AC Plus solutions may be configured to support risk
management and compliance, enterprise reference data, and
front-to-back-office data integration.

About Asset Control

Asset Control offers centralized data management to financial industry
firms through a full range of in-house and outsourced options. A choice of
developer tools, turnkey software solutions and outsourced services enable
users to optimize their investment data for efficiency, cost control, reduced
operational risk and increased value from their data.

Derived from the robust and reliable AC Plus modular framework, the Asset
Control product set includes data solutions addressing market risk,
counterparty credit risk, security master, research and corporate actions, as
well as global data networking and administration. Handling data from vendors
and in-house systems, these solutions collect, validate, normalize, and
consolidate data into cleansed composite "golden copy" sets for business use.

Customers include the LCH.Clearnet, Abbey National, ABN AMRO, Barclays
Capital, Bayerische Landesbank , BBVA, Commerzbank, IBM (Dresdner Bank),
Harvard Management Company, HSH Nordbank, HypoVereinsbank, ING, Robeco Groep,
Santander Central Hispano, Société Générale, Standard Bank, Standard
Chartered and Union Investment, as well as a super-major global energy group.
Established in 1991, Asset Control is a privately held firm with operations
in London, New York and the Netherlands. For more information please visit
www.asset-control.com.

Source: Asset Control International

Contact: Gail Sheridan, Public Relations, T: +44-1905-381688, M: +44-(0)7815-100656, gail.sheridan@rivercalm.com, www.asset-control.com

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Profile: insurance

Gevity Offers Turnkey HR Solution to Bolster the Success of Venture Capital Backed Growth Companies

2005-09-12T05:40:00.000-07:00

Gevity Offers Turnkey HR Solution to Bolster the Success of Venture Capital Backed Growth Companies

* Gevity Included as Preferred HR Provider by the National Venture Capital Association

* Research Shows Professional Employee Management Practices Increase Company Value by up to 47 Percent (1)

BRADENTON, Fla., Sept. 12 /PRNewswire-FirstCall/ -- Gevity (NASDAQ:GVHR), the leading provider of a comprehensive insourced employee management solution, has become the only human resource outsourcing company included as a preferred provider by the National Venture Captial Association (NVCA). The NVCA is a major trade association representing the U.S. venture capital industry.

"A relationship with Gevity can help a venture capital firm's portfolio companies enjoy higher returns," said Erik Vonk, Gevity's Chairman and CEO. "Research shows a positive link between professional employee management practices and better financial performance, including a 66 percent higher return on sales, a 20 percent higher return on assets, a 20 percent higher return on investment, and a 13 percent higher return on equity. (2)"

The Gevity Solution

Gevity delivers a turnkey solution through a combination of credentialed human resource consultants and a scalable, Web-enabled technology platform. Gevity's offerings deliver a comprehensive employee management solution and help clients increase profits, grow sales and improve customer satisfaction. By acting as the insourced human resource department for its portfolio companies, Gevity helps stack the odds of success in a venture capital firm's favor.

Driving Growth

Raising awareness in the venture capital community also reflects Gevity's increasing investment in a centralized demand generation function designed to provide its Business Development Managers with an effective "pull marketing" approach.

Vonk commented, "Servicing the venture capital community will enable us to further support high growth firms in a variety of businesses and professional sectors -- truly our ideal clients." Vonk continued, "This initiative is an example of expanding our market reach via alliances -- a path that supports our growth strategy."

To find out more about how a relationship with Gevity can help portfolio companies achieve greater success, contact 1.800.2GEVITY (1.800.243.8489) or visit online at http://www.gevity.com/vc .

About Gevity

Gevity helps clients increase profits, grow sales and improve customer satisfaction through our comprehensive employee management solution. We serve as the insourced human resource department to small- and medium-sized businesses nationwide. Our unique approach integrates three key drivers of business success: workforce alignment, administrative relief and business protection. We deliver our solution through our innovative people, processing and portal approach, combining the resources of our highly skilled human resource consultants and our scalable, Web-enabled technology platform.

A copy of this press release can be found on the company's Web site at http://www.gevity.com/ .

(1) Bruce Pfau and Ira Kay, The Human Capital Edge, New York: McGraw-Hill Companies, Inc. 2002

(2) Edward Lawler and Susan Mohrman, University of Southern California, Center for Effective Organizations, 1999

Source: Gevity HR

CONTACT: Anne-Marie Megela, Senior Director, Investor Relations, Gevity
HR, +1-800-243-8489, ext. 4672, or annemarie.megela@gevity.com

Web site: http://www.gevityhr.com/
http://www.gevity.com/vc

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Profile: insurance

Preventive Health Gets a Shot in the Arm with New Consumer Driven Health Efforts from Medco

2005-09-12T05:26:00.000-07:00

Preventive Health Gets a Shot in the Arm with New Consumer Driven Health Efforts from Medco

Program Acts on New Government Guidelines to Increase Access to Preventive Medications

FRANKLIN LAKES, N.J., Sept. 12 /PRNewswire-FirstCall/ -- Highlighting the importance of preventive medications in reducing overall healthcare costs, Medco Health Solutions, Inc. (NYSE:MHS) today announced major additions to its consumer-directed pharmacy plan that promotes the use of preventive and chronic medications by lowering the out-of pocket costs of these drugs to consumers enrolled in high-deductible health plans. The new programs will be available for use in 2006 benefit packages.

Medco's new preventive medication program capitalizes on a recently enacted Internal Revenue Service (IRS) code provision allowing tax-advantaged healthcare savings accounts (HSAs) to waive deductibles for preventive medications -- including cholesterol and blood pressure lowering drugs, osteoporosis medications, weight loss and smoking cessation agents, vaccines and immunizations, contraceptives, prenatal vitamins, prescription sunscreens, and fluoride supplements. Medco clients offering HSAs now have a mechanism to encourage use of preventive medications while maintaining compliance with IRS rules for tax-exempt contributions.

In addition, Medco clients offering any high-deductible health plan, including healthcare reimbursement accounts (HRAs), can encourage more consistent utilization of chronic medications. Coverage of preventive and chronic medications for qualifying high-deductible health plans need not be subject to the deductible, significantly reducing the cost of preventive care and chronic treatment for plan members.

"By providing this option, we hope to create an environment where the primary concern is preventing disease rather than focusing solely on treating it," said Dr. Glen Stettin, vice president, plan management products, Medco. "Increasing the use of preventive and chronic medications can have an enormous impact in terms of reducing serious illness that often results in substantial pharmacy and medical costs for our clients."

One area where preventive medications can have a significant impact is on heart disease. Along with stroke and other cardiovascular diseases, heart disease will cost the nation about $493.5 billion this year. Research has shown that the use of statins to lower cholesterol can reduce the risk of heart disease by as much 60 percent and stroke by 17 percent.

In developing the preventive medications program, Medco has been in close consultation with the Treasury Department and policy makers to identify medications that qualify as preventive care to ensure that the program meets the spirit and the letter of the IRS code. Based on this guidance, Medco will introduce a comprehensive set of preventive medications that clients may choose to offer members outside of the deductible, but will also allow clients the ability to tailor the medication list to best suit their member population and plan preferences. To maximize the preventive and chronic medication benefits, clients will also be able to alter their preventive and chronic medication lists throughout the year as their needs evolve.

"Our preventive medication program balances the importance of providing opportunities to further the use of these medications while moderating risk to our clients and members due to uncertainty about which medications the government will recognize as preventive for coverage," said Dr. Stettin. "As time goes on and these guidelines are further refined by the IRS, we will be able to modify or expand our preventive medication list accordingly, helping clients take full advantage of this new plan option."

According to the new IRS provision, preventive medications are defined as those that are used strictly for preventive purposes, such as immunizations and pre-natal vitamins; those that are taken by a person who has developed risk factors for a disease that has not yet manifested itself or has not yet become clinically apparent, such as cholesterol lowering drugs to prevent heart disease; or those that prevent the recurrence of a disease from which a person has recovered, such as the use of ACE inhibitors to reduce the risk of a patient having a recurrence of a stroke. Preventive medications do not include drugs used to treat an existing illness, injury, or condition, such as medications used to treat symptomatic illnesses such as diabetes or asthma.

To manage cases where it is uncertain if a medication is being used for preventive purposes, Medco has established a streamlined process to receive certifications from prescribers. These certifications will verify that a medication is being prescribed for preventive purposes. Proactive communication tools will also assist patients to talk to their doctor about medications that may be used for both prevention and treatment.

These new preventive medication and chronic medication options are one of many consumer-directed healthcare capabilities Medco offers its clients to ensure plan members take an active role in managing their health and controlling healthcare costs.

About Medco

Medco Health Solutions, Inc. (NYSE:MHS) is a leader in managing prescription drug benefit programs that are designed to drive down the cost of pharmacy healthcare for private and public employers, health plans, labor unions and government agencies of all sizes. With its technologically advanced mail-order pharmacies and its award-winning Internet pharmacy, Medco has been recognized for setting new industry benchmarks for pharmacy dispensing quality. Medco serves the needs of patients with complex conditions requiring sophisticated treatment through its specialty pharmacy operation, which became the nation's largest with the 2005 acquisition of Accredo Health. Medco, the highest-ranked prescription drug benefit manager on Fortune magazine's list of "America's Most Admired Companies," is a Fortune 50 company with 2004 revenues of $35 billion. On the Net: http://www.medco.com/.

This press release contains "forward-looking statements" as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements involve risks and uncertainties that may cause results to differ materially from those set forth in the statements. No forward-looking statement can be guaranteed, and actual results may differ materially from those projected. We undertake no obligation to publicly update any forward- looking statement, whether as a result of new information, future events, or otherwise. Forward-looking statements in this presentation should be evaluated together with the risks and uncertainties that affect our business, particularly those mentioned in the Risk Factors section of the Company's Annual Report on Form 10-K filed with the Securities and Exchange Commission.

Source: Medco Health Solutions, Inc.

CONTACT: Jennifer Leone of Medco Health Solutions, Inc.,
+1-201-269-6402, Jennifer_Leone@medco.com; or Kevin Lamb, or Janet Schiller,
both of Coyne Public Relations for Medco Health Solutions, Inc.,
+1-973-316-1665

Web site: http://www.medco.com/

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Profile: insurance

Color Kinetics Founder Chairman To Present at Merriman Curhan Ford & Co. Investor Summit

2005-09-12T05:17:00.000-07:00

Color Kinetics Founder Chairman To Present at Merriman Curhan Ford & Co. Investor Summit

BOSTON, Sept. 12 /PRNewswire-FirstCall/ -- Color Kinetics Incorporated (NASDAQ:CLRK), a pioneer of intelligent solid-state lighting systems and technologies, today announced that Founder Chairman George Mueller will present at the Merriman Curhan Ford & Co. Investor Summit in San Francisco on Monday, September 19. The presentation will be webcast live as follows:

Monday, September 19
7:00 pm ET (4:00 pm PT)
http://www.wsw.com/webcast/mcm2/clrk/

The webcast will be archived and accessible for 90 days following the conference.

About Color Kinetics

Color Kinetics Incorporated (NASDAQ:CLRK) is a pioneer and leading innovator of intelligent solid-state lighting -- enabling light without limits. The company's award-winning product lines apply the benefits of LEDs to transform the way light is produced, controlled and applied, advancing the adoption of cost- and energy-efficient lighting worldwide. Its systems leverage a patented layer of digital intelligence, called Chromacore(R), to generate and control color and white light for use in high-performance lighting and OEM and licensing applications. More than a simple light source, Color Kinetics' system solutions encompass the vital control, power, and other technologies that make LEDs viable for illumination -- ranging from the replacement of conventional sources, to new and forward-looking uses of light. The company holds 42 patents and has over 140 patent applications pending that apply to many aspects of solid-state lighting technology. Founded in 1997, the company is headquartered in Boston, MA with offices in the UK, China, and Japan. More information can be found at www.colorkinetics.com.

Chromacore, Color Kinetics, and the Color Kinetics logo are registered trademarks of Color Kinetics Incorporated. All other trademarks mentioned are the property of their respective owners.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements in this press release regarding Color Kinetics Incorporated's business that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Readers are cautioned that these statements involve risks and uncertainties, are only predictions and may differ materially from actual future events and results. For a discussion of such risks and uncertainties, see "Risk Factors" in the Company's Annual Report on Form 10-K for the Twelve Months Ended December 31, 2004, File Number 000-50798, and most recent 10-Q, each as filed with the Securities and Exchange Commission.

Source: Color Kinetics Incorporated

CONTACT: Felicia Spagnoli, Media Relations, +1-617-701-2292, or
fspagnoli@colorkinetics.com, or Justine Alonzo, Investor Relations, +1-617-
701-2272, or jalonzo@colorkinetics.com, both of Color Kinetics Incorporated

Web site: http://www.colorkinetics.com/

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Profile: insurance

Global 360 to Exhibit Leading BPM Solution at IASA Conference

2005-09-12T05:14:00.000-07:00

Global 360 to Exhibit Leading BPM Solution at IASA Conference

DALLAS, Sept. 12 /PRNewswire/ -- Global 360, a leading provider of business process management (BPM) and optimization solutions will be on hand at the upcoming Regional Insurance Accounting & Systems Association (IASA) Conference to exhibit how BPM technology can benefit insurance organizations. Global 360 will provide a demonstration of its BPM and Optimization solution and will be available to answer questions about how insurance organizations can optimize their business processes and benefit from implementing Global 360's technology.

The IASA is the insurance industry's largest and most well represented trade association. IASA membership includes insurance companies of all types, as well as companies that serve the insurance industry, regulators and also organizations more broadly representative of the financial services industry, including banks and investment brokerage firms. IASA has a long history of volunteer participation and management, and is well recognized for the core knowledge areas of financial and technology.

The IASA Conference will take place September 11-13, at the Kierland Westin Resort & Spa in Scottsdale, Arizona.

About Global 360

Global 360, Inc. is a leading provider of Business Process Management and Optimization solutions for Global 2000 organizations. With over two decades of experience, Global 360 provides organizations with a competitive edge by automating, measuring and improving resource-intensive business processes across different communities, including customers, employees and partners. Building on our strength in financial services, government and insurance, Global 360 empowers sites for more than 2,000 customers in 134 countries. Global 360, Inc. is headquartered in Texas with operations in North America, Europe, and the Pacific Rim. For more information about Global 360's BPM solutions, please call 1-214-520-1660 or visit the company web site at http://www.global360.com/ .

Source: Global 360, Inc.

CONTACT: Nicole Barnhart of Global 360, Inc., +1-916-834-8221, or
Nicole.Barnhart@global360.com

Web site: http://www.global360.com/

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Profile: insurance

Win a Pair of Tickets to London Fashion Week End Courtesy of TONI&GUY!

2005-09-12T05:00:00.000-07:00

Win a Pair of Tickets to London Fashion Week End Courtesy of TONI&GUY!

LONDON, September 12/PRNewswire/ -- A name synonymous with fashion, TONI&GUY's fashion led approach to
hairdressing and ability to translate catwalk led style into wearable trends
made them the obvious choice as the 'Official Haircare Sponsors for London
Fashion Week and Week End!'

London's largest designer shopping event, London Fashion Week End - is
held on the site of London's famous Natural History Museum - and is home to
over 100 London Fashion Week designers, selling clothes and accessories at
jaw-dropping prices! In addition to the fabulous shopping, the award-winning
TONI&GUY session team will be hosting 'TONI&GUY Live', a show pre-viewing
'THE' must-have hair cuts and hottest new hair trends for the forthcoming
season, as well as showcasing TONI&GUY's exclusive new professional line,
label.m.

As this is an event not to be missed, TONI&GUY are offering readers the
chance to win a FREE pair of tickets to London Fashion Week End (and front
row seats at the TONI&GUY Live show). All you need to do is answer the
following question: Where is London Fashion Week End held?

For prize values and further information, please contact Karen Barnett -
PR Manager TONI&GUY Media

T: +44-(0)20-7921-9022

F: +44-(0)20-7921-9005

E: karen.barnett@toniandguy.co.uk

Source: TONI&GUY

For prize values and further information, please contact Karen Barnett - PR Manager ,TONI&GUY Media, Tel: +44-(0)20-7921-9022, Fax: +44-(0)20-7921-9005, Email: karen.barnett@toniandguy.co.uk

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Profile: insurance

New Online Tool Makes Kids Smart and Spelling Fun

2005-09-12T04:58:00.000-07:00

New Online Tool Makes Kids Smart and Spelling Fun

WizardsSpell Eases Frustration of Parents and Children with Learn-to-Spell Process

HERNDON, Va., Sept. 12 /PRNewswire/ -- WizardsSpell, a new web-based, interactive spelling tool, helps children improve their spelling skills and build confidence in their ability to learn, especially those with learning disabilities. Using sound and visual techniques, WizardsSpell encourages children to use multiple senses to memorize words. By making spelling easy and fun, WizardsSpell can help improve grades and build a foundation for future learning.

(Logo: http://www.ereleases.com/pr/2005-WizardsSpell.jpg)

WizardsSpell was created by web designer Melanie Gann, who sought to boost the spelling skills and self-confidence of her daughter, age 10. Her daughter's auditory processing problems make it difficult for her to distinguish sounds and make sense of spelling rules. Both parent and child experienced frustration after trying therapies, tutoring and special software and seeing little improvement. After using WizardsSpell, Melanie's daughter's grades soared.

"Unlike other spelling tools, WizardsSpell lets children create lists from words they are assigned at school," Melanie said. "Therefore, the results are visible to them. They begin to see that practice does in fact work, and just as importantly, the tool allows them to practice on their own. Building something that helped my daughter, and could potentially help other children, is enormously satisfying."

WizardsSpell lets parents and teachers track practice and see where there are spelling difficulties. They can also create lists that target weak areas.

The tool is available at http://www.wizardsspell.com/. It is subscription-based and allows a family of four to subscribe for $8 per month. Additional options are available for larger families and groups.

Dannette Greenwell, an early subscriber, said, "I signed my son up this afternoon, and we have already studied his spelling words. This is the first time in four years that the session has not ended with him in tears. He actually had fun! This is the answer we have been looking for."

WizardsSpell.com is a product of WizardsWare, LLC. Formed in 2005, the company is a small firm specializing in interactive web-based learning products. They are committed to minimizing homework pain and finding ways to make kids smarter.

Contact: Melanie Gann, Creative Director, 703.742.8404 or mgann@wizardsware.com, for more information.

This release was issued through eReleases(TM). For more information, visit http://www.ereleases.com/.

Source: WizardsWare, LLC

CONTACT: Melanie Gann of WizardsWare, LLC, Creative Director,
+1-703-742-8404, mgann@wizardsware.com

Web site: http://www.wizardsspell.com/

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Profile: insurance

Telular Introduces Telguard Digital Wireless Security for Small Business, Home Office and Residential Markets

2005-09-12T04:48:00.000-07:00

Telular Introduces Telguard Digital Wireless Security for Small Business, Home Office and Residential Markets

ORLANDO, Fla., Sept. 12 /PRNewswire-FirstCall/ -- ASIS INTERNATIONAL -- Telular Corporation (NASDAQ:WRLS) -- Telular Corporation today unveiled the latest in cellular alarm security with its new Telguard(R) Digital model TG-4 for small business, home office and residential markets. Using Telular's patented technology, the new Telguard Digital model TG-4 transmits alarm signals to the monitoring station over next-generation GSM digital cellular networks.

Telular's Telguard fixed-cellular systems transmit alarm and security signals over the cellular network when the telephone line has been disrupted, compromised, or if no wireline phone service is used. The economical TG-4 model is built on advanced digital cellular technology found in the UL-listed commercial models -- Telguard Digital TG-7 and TG-8 -- launched earlier this year. It provides alarm panel support adhering to industry standards such as Contact ID, SIA2 and pulse formats.

"Responding to the price-conscious alarm security industry, we have built and priced the TG-4 specifically for the small business and residential market. With most small businesses being owner-operated, the TG-4 is application- and price-friendly, and delivers reliable alarm transmissions via the cellular network to ensure that they are protected 24x7," said George Brody, senior vice president for Telular's Telguard division. "The TG-4 also provides new revenue opportunities for security and life safety companies and added value for their small businesses and residential customer base."

"We are focused on creating new innovative and cost effective ways for residential and small businesses to protect their investments," said Mike Boyle, president and CEO of Telular Corporation. "With this latest product we address the end users issues without sacrificing quality for price," added Boyle.

Telguard Digital offers full-data reporting and an automatic self-test feature for complete and reliable alarm transmission. Customers also receive additional enhancements that are optimized for next-generation GSM networks, such as advanced 128-bit AES encryption to ensure the authentication and security of alarm signals, and auto-format detection for easy installation.

The Telguard Digital TG-4 model will start shipping in November 2005, along with the Telguard Digital primary residential TG-1 model for homes using Voice-over-IP and cell-only phone service. The products will be showcased at Telular's booth #2460 at ASIS International taking place September 12-14, 2005 in Orlando, Florida.

About Telular Corporation

Telular Corporation is a leader in the design and manufacturing of cellular fixed wireless phones and terminals. Telular's proprietary telecommunications interface technology enables standard phones, fax machines, computer modems or monitored alarm systems to utilize available cellular wireless service for either primary or back-up telecommunications. Telular's product lines incorporate the world's leading cellular standards (GSM, TDMA, CDMA, AMPS) and are marketed worldwide. Headquartered in Vernon Hills, Illinois, Telular has regional sales offices in Atlanta, Miami, London, Singapore, Mexico City, Beijing and Johannesburg. For further company information, visit Telular at http://www.telular.com/ .

For more information on the complete line of Telguard cellular communication products please call 1-800-229-2326 or visit http://www.telguard.com/ .

Telular(R), the Telular logo and Telguard(R) are trademarks of Telular Corporation or its affiliates in the United States and/or other countries.

Source: Telular Corporation

CONTACT: George Brody, Senior Vice President, Telguard, of Telular
Corporation, +1-678-945-7770, ext. 3334, gbrody@telular.com , or Evelyn Lee of
The Hoffman Agency for Telular Corporation, +1-408-975-3007,
elee@hoffman.com

Web site: http://www.telular.com/
http://www.telguard.com/

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Profile: insurance

Telular Connects Alarms for Homeowners Who Have 'Cut the Cord'

2005-09-12T04:47:00.000-07:00

Telular Connects Alarms for Homeowners Who Have 'Cut the Cord'

ORLANDO, Fla., Sept. 12 /PRNewswire-FirstCall/ -- ASIS INTERNATIONAL -- Telular Corporation (NASDAQ:WRLS) -- Responding to the ongoing trend of wireline replacement, Telular Corporation today unveiled its solution to bridge the gap with the advent of the Telguard(R) Digital Primary Residential Alarm Communicator, built specifically for homeowners who use Voice-over-IP (VoIP) and cell-only phone services. Based on Telular's patented technology, the new Telguard Digital model TG-1 transmits alarm signals to the monitoring station over next-generation GSM digital cellular networks.

While Telular's Telguard commercial, business and standard residential models are used for either primary or backup alarm communication, the Telguard Digital model TG-1 is designed for end-users who have decided to 'cut the cord'. According to Strategy Analytics, 52% of adults in the United States are thinking about abandoning wireline phone service, the traditional method used for alarm systems to communicate for emergency response. Telguard Digital model TG-1 ensures economical alarm transmission to the monitoring center for homes without a phone line.

Designed for the no-phone line residential market, the Telguard Digital model TG-1 is economically priced with a dynamic feature set that includes full data reporting, automatic self test feature, and standard Contact ID alarm panel support. It also offers customers additional enhancements that are optimized for next-generation GSM networks, such as advanced 128-bit AES encryption to ensure the authentication and security of alarm signals and programmable supervisory relay output.

"VoIP adoption is growing rapidly and there needs to be a cost effective method to transmit alarms signals from the home security system to the monitoring station. The Telguard Digital model TG-1 is an answer to provide that function with reliably and economically," said George Brody, senior vice president for Telular's Telguard division. "The TG-1 enables security and life-safety companies to offer reliable and cost effective solution to the VoIP or cell-phone only customers."

"Telular saw the need to bridge the gap of VoIP and cellular users that want to ditch their more expensive landline phone services," said Mike Boyle, president and CEO of Telular Corporation. "This solution not only addresses the end users needs but also enables security dealers to generate new revenue streams," added Boyle.

The Telguard Digital TG-1 model will start shipping in November 2005 with UL-listings. The product will be showcased at Telular's booth #2460 at ASIS International, taking place September 12-14, 2005 in Orlando, Florida.

About Telular Corporation

For more information on the complete line of Telguard cellular communication products, please call 1-800-229-2326 or visit http://www.telguard.com/ .

Telular(R), the Telular logo and Telguard(R) are trademarks of Telular Corporation or its affiliates in the United States and/or other countries.

Source: Telular Corporation

Web site: http://www.telular.com/
http://www.telguard.com/

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Profile: insurance

SC Johnson Among Best Companies for Working Mothers

2005-09-12T04:13:00.000-07:00

SC Johnson Among Best Companies for Working Mothers

Company Recognized for 17th Year and Ranks in Top Ten for Third Consecutive Year

SC Johnson Also Celebrates 20th Anniversary of Childcare Center

RACINE, Wis., Sept. 12 /PRNewswire/ -- For the third consecutive year, SC Johnson ranks in the top 10 among the "100 Best Companies for Working Mothers," according to Working Mother magazine. The publication today releases its 20th annual compilation of "family-friendly" corporations, and this year marks the 17th time SC Johnson has been included on the list.

"The special honor of making Working Mother's top ten list for three consecutive years is a testament to SC Johnson's unique family culture," said Fisk Johnson, Chairman and CEO of SC Johnson. "SC Johnson's business depends on the talent of its people, and the more the company offers flexibility and support to unleash that talent, the more we win in the marketplace."

SC Johnson also celebrates the 20th anniversary of the SC Johnson Childcare Learning Center -- one of the nation's first childcare centers in 1985 for the exclusive use of its employees and their families. In 2003, a large facility extension was added to accommodate the growing needs of the Center and the employees. The newly expanded Center is the largest employer- sponsored childcare center in Wisconsin, providing families with 24-hour access to top quality childcare and the capacity to accommodate employees' children without a waiting list.

This year, Working Mother gave particular weight to three issues: flexible scheduling, time off for new parents and childcare options. In addition to flexible work arrangements like job share opportunities and the summer hours program, SC Johnson offers a robust maternity leave up to six months, paternity and adoption leave and a state-of-the-art Childcare Learning Center. "We salute SC Johnson for their efforts on behalf of working mothers, and for making the 100 Best for the 17th time," said Carol Evans, CEO of Working Mother Media. "It is my hope that other companies around the country learn from the best and experience first-hand the value of flexibility as a business imperative."

"The special culture and family-friendly benefits at SC Johnson enable working parents to excel on the job and in their lives, and attracts and retains the most talented people," said Gayle Kosterman, Executive Vice President of Worldwide Human Resources of SC Johnson. "Providing that flexibility is part of what makes SC Johnson such a great place to work and a marketplace success."

SC Johnson has long been recognized as an employer of choice. Earlier this year, SC Johnson was among ranked number seven on FORTUNE magazine's list of the "100 Best Companies to Work For in America." The company also was named to the "Corporate 100" list of top companies for Latinos by Hispanic magazine and was among DiversityInc's list of top 50 companies for diversity.

To be named to Working Mother's best companies list, public or private firms of any size and in any industry (except those that provide worklife or child-care services) complete a comprehensive application, including detailed information on eight areas of work/life including: childcare, culture, flexibility, parental leave, women's advancement, total compensation, work/life culture, and family-friendly programs. SC Johnson completed a 550-question application, the most rigorous of its kind, which checked the availability, tracking and usage of programs to support working mothers, the accountability of managers to implement programs and the successful advancement of women into top paying jobs, board positions and management ranks.

The 100 best companies will also be honored in October during a special ceremony at the WorkLife Congress in New York. The complete list of top 100 companies is available in the October issue of Working Mother on newsstands today and at http://www.workingmother.com/ . With nearly three million monthly readers, Working Mother is the only national magazine for career-committed mothers.

SC Johnson is a family-owned and -managed business dedicated to innovative, high-quality products, excellence in the workplace and a long-term commitment to the environment and the communities in which it operates. Based in the USA, the company is one of the world's leading manufacturers of household cleaning products and products for home storage, air care, personal care and insect control. It markets such well-known brands as EDGE(R), GLADE(R), OFF!(R), PLEDGE(R), RAID(R), SCRUBBING BUBBLES(R), SHOUT(R), WINDEX(R) and ZIPLOC(R) in the U.S. and beyond, with brands marketed outside the U.S. including AUTAN(R), BAYGON(R), BRISE(R), ECHO(R), KABIKILLER(R), KLEAR(R), and MR. MUSCLE(R). The 119-year old company, with more than $6.5 billion in sales, employs approximately 12,000 people globally and sells products in more than 110 countries. http://www.scjohnson.com/

Contact: Steve Peckham
(262) 260-4402
swpeckha@scj.com

Source: SC Johnson

CONTACT: Steve Peckham of SC Johnson, +1-262-260-4402,
swpeckha@scj.com

Web site: http://www.scjohnson.com/
http://www.workingmother.com/

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Profile: insurance

MassMutual Named a 2005 Working Mother 100 Best Company by Working Mother Magazine

2005-09-12T04:11:00.000-07:00

MassMutual Named a 2005 Working Mother 100 Best Company by Working Mother Magazine

MassMutual Cited for Offering Flexibility, Advancement Opportunities for Working Moms

SPRINGFIELD, Mass., Sept. 12 /PRNewswire/ -- Massachusetts Mutual Life Insurance Company (MassMutual) announced today it has been named a "Working Mother 100 Best Company" in the annual survey conducted by Working Mother magazine, one of the most important and respected surveys for work life practices in America.

On the 20th anniversary of the Working Mother 100 Best Companies, the survey has found that despite the growing popularity of compressed work weeks, job-shares, telecommuting and other workplace flexibility options, two out of three working mothers believe there is still a stigma attached to using flextime options that their companies allow. The survey found that MassMutual is one of the companies working to eliminate this bias by offering its working mother employees not just flexibility, but advancement opportunities as well.

"We salute MassMutual for their efforts on behalf of working mothers, and for making the 100 Best for the seventh time," said Carol Evans, CEO of Working Mother Media. "It is my hope that other companies around the country learn from the best and experience first-hand the value of flexibility as a business imperative."

MassMutual provides a number of options to help employees achieve a strong work life balance, including flexible schedules, near-site childcare facilities, an on-site credit union, convenience store, dry cleaner, tailor, jewelry and shoe repair, a barbershop and a hair salon. MassMutual also has a strong commitment to employee health, offering state-of-the-art fitness centers, medical clinics for employee visits, and an employee assistance program.

MassMutual also believes in helping its employees achieve their dream of home ownership. Each year, the company offers 15 forgivable $5,000 loans to qualified employees for the purchase of their first home.

"MassMutual recognizes that a healthy work-life balance contributes to increased productivity and helps build employee loyalty," says Richard Goldstein, president and CEO, MassMutual Benefits Management Inc., which develops and oversees MassMutual's benefits and work life programs. "We are delighted to be recognized by Working Mother magazine, and proud of the success and work life balance our working mothers are able to achieve at MassMutual."

In surveying the companies that applied for this year's list, particular weight was given to questions in three areas: flexible scheduling, the most critical benefit for working mothers; child-care options, because without them parents can't work; and time off for new parents, because it's critical for mothers to bond with their newborns without suffering professionally.

To apply for the Working Mother 100 Best, MassMutual provided Working Mother magazine with detailed information on eight areas of work/life including: childcare, culture, flexibility, parental leave, women's advancement, total compensation, work/life culture, and family-friendly programs. MassMutual completed a 550-question application, the most rigorous of its kind, which checked the availability, tracking and usage of programs to support working mothers, the accountability of managers to implement programs and the successful advancement of women into top paying jobs, board positions and management ranks. MassMutual was also required to submit benefits handbooks and results of employee surveys.

The complete list of the Working Mother 100 Best Companies can be found at http://www.workingmother.com/.

MassMutual Financial Group -- comprised of member companies with more than $370 billion in assets under management as of June 30, 2005 -- is a global, growth-oriented, diversified financial services organization providing life insurance, annuities, disability income insurance, long-term care insurance, retirement planning products, structured settlement annuities, trust services, money management, and other financial products and services.

The MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates, which include: OppenheimerFunds, Inc.; Babson Capital Management LLC; Baring Asset Management Limited; Cornerstone Real Estate Advisers LLC; MML Investors Services, Inc.; The MassMutual Trust Company, FSB; Antares Capital Corporation; MML Bay State Life Insurance Company, C.M. Life Insurance Company, and MassMutual International, Inc.

MassMutual is on the Internet at http://www.massmutual.com/.

Founded in 1979, Working Mother magazine reaches nearly 3 million readers and is the only national magazine for career-committed mothers. Its 20-year signature initiative, the Working Mother 100 Best Companies, is the most important benchmark for work/life practices in corporate America.

Contact:
Mark Cybulski
413-744-5427

Source: Massachusetts Mutual Life Insurance Company

CONTACT: Mark Cybulski of Massachusetts Mutual Life Insurance Company,
+1-413-744-5427

Web site: http://www.massmutual.com/

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Profile: insurance

Shade Clothing Launches New 'Girly Line,' Brings Hip, Modest Clothing to Younger Crowd

2005-09-12T03:17:00.000-07:00

Shade Clothing Launches New 'Girly Line,' Brings Hip, Modest Clothing to Younger Crowd

Shade Clothing Expands Its Offerings to Include a Line of Products Designed Specifically for Girls Age Six Through 12

AMERICAN FORK, Utah, Sept. 12 /PRNewswire/ -- Shade Clothing, leading provider of hip, modest clothing for women of all ages, today announced the launch of its new "Girly Line," designed to extend Shade's innovative shirts and camisoles to a younger crowd. The line will target elementary and middle school-aged girls, offering them the same modest clothing options that have made Shade's main product line a nationwide success.

The Girly Cami, the first product in the Girly Line, applies the same basic principles that have made Shade Clothing's original line of "essential undershirts" a hit among women -- extra length at the bottom, higher necklines, a comfortable cotton/spandex blend combined with a stylish, versatile cut.

"As a mother, I know how frustrating it can be to find clothes for a daughter, even a young daughter, that are cute without being too revealing," said Chelsea Rippy, founder and CEO of Shade Clothing. "We wanted to provide mothers and daughters with a mutually acceptable clothing option that would expand wardrobe choices while helping young girls dress appropriately and modestly."

The Girly Cami will be offered in sizes 7/9 and 10/12. It will be available in black, white, bubble gum pink, powder blue and lilac. Shade Clothing plans to expand the Girly Line to include more products over the course of the next few months.

"I am thrilled that Shade is offering modest clothing options that my daughter will like and want to wear and that I will approve of," said Cami Burgon, a mother of a 10-year-old daughter from Sandy, Utah. "I am so glad that I won't have to worry anymore about my 5th grader showing too much skin!"

"We expect the Girly Cami to be a hit with daughters and mothers across the country and we are looking forward to expanding the Girly Line as demand for more products grows," said Rippy.

The Girly Cami is available for purchase online at www.shadeclothing.com. A single cami sells for $12.95 and a pack of three camis for $34.

About Shade Clothing

Shade Clothing is a company with a simple mission: make clothes that help women feel comfortable and happy. Launched from the basement of CEO and founder Chelsea Rippy's home, Shade Clothing has quickly become the leading provider of hip, modest clothing. Its line of "essential" undershirts allows women to wear all the latest styles without feeling uncomfortable and uncovered. Shade offers strap camisoles, cap sleeve tees and baby tees in a variety of neutral, pastel and bright colors. Shirts can be purchased online at http://www.shadeclothing.com/, through Shade home parties or at several retail locations throughout Utah. For more information visit http://www.shadeclothing.com/.

Source: Shade Clothing

CONTACT: Chelsea Swett, chelsea.swett@sng.com, or Clayton Blackham,
clayton.blackham@sng.com, both of Snapp Norris Group, +1-801-208-1100, both
for Shade Clothing

Web site: http://www.shadeclothing.com/

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Profile: insurance

PacifiCare Partners With Senior-Focused Insurance Companies Nationwide to Distribute Its Medicare Part D Prescription Drug Plans

2005-09-12T03:09:00.000-07:00

PacifiCare Partners With Senior-Focused Insurance Companies Nationwide to Distribute Its Medicare Part D Prescription Drug Plans

National Distribution Network of Up to 30,000 Insurers, Brokers and Agents to Deliver Preferred Access to Millions of Existing Policyholders and Consumers

CYPRESS, Calif., Sept. 12 /PRNewswire-FirstCall/ -- PacifiCare Health Systems Inc. (NYSE:PHS) entered into a series of exclusive agreements to distribute its Medicare Part D prescription drug plans through a national network of senior-focused insurance companies and independent insurance brokerage organizations.

These partnerships give PacifiCare exclusive access to more than 1.5 million current Medigap and other senior insurance policyholders and preferred access to millions more prospective Part D consumers nationwide.

PacifiCare's national network of recognized senior-focused insurance companies includes American Republic Insurance Company, AEGON, Baltimore Life, Mutual Protective/Medico Life Insurance, Sterling Investors and United Commercial Travelers as well as other regional and local carriers. PacifiCare and its partners will utilize co-branding strategies and coordinated marketing efforts to educate and enroll seniors in its Medicare Part D prescription drug plans.

PacifiCare's prescription drug plans will be marketed under the name Prescription Solutions from PacifiCare, or co-branded with the partner insurance companies' names, and begin delivering prescription drug benefits on Jan. 1, 2006, when the Medicare Part D benefit is set to take effect.

"Our strategy unites PacifiCare's decades of experience in successfully serving seniors with our partners' extensive distribution reach, sales expertise and existing relationships with policyholders," said Jacqueline Kosecoff, Ph.D., PacifiCare's executive vice president, Specialty Companies. "We believe that our Medicare Part D prescription drug plans will strongly appeal to millions of seniors who currently need access to affordable, quality drug benefits, while our distribution network creates a powerful platform that will directly connect PacifiCare with consumers."

PacifiCare expects to implement additional Part D joint-marketing relationships with senior-related companies and senior affinity groups before Part D marketing begins in October, according to David Spivack, senior vice president of Prescription Solutions from PacifiCare.

"We believe we will have some of the best product offerings available for seniors to choose from," he said. "The key to our success will be to establish a committed distribution network that seniors can trust and rely on."

"PacifiCare's reputation in the senior market, wide geographic coverage, knowledge of the Part D landscape and experience in managing prescription drug programs we believe make PacifiCare the right choice for our customers," said Michael E. Abbott, president and chief executive officer of American Republic Insurance Company. "Our agreement with PacifiCare enables American Republic to offer our policyholders and prospective customers quality choices in Part D prescription drug coverage that we feel offers an exceptional combination of simplicity, flexibility and affordability."

PacifiCare has also signed exclusive agreements with several of the country's largest independent insurance brokerage organizations -- or field marketing organizations -- that support general agents and independent brokers to sell its Medicare Part D prescription drug plans and other PacifiCare senior products including its Medicare Advantage Prescription Drug (MA-PD) and Secure Horizons Direct private fee-for-service plans. Many of the field marketing organizations' agents already work closely with PacifiCare and have been successfully selling the MA-PD and private fee-for-service plans.

"We're very excited about the contribution our brokers and agents have been able to add to our growth in 2005," said Kathy Feeny, PacifiCare's executive vice president of Secure Horizons. "We believe their expertise and presence in our markets will make for a very successful 2006."

This distribution arm is expected to extend PacifiCare's market reach, deepen its penetration and enhance its own direct-to-consumer marketing campaigns. These agreements, in addition to the network of insurance companies, will leverage the power of a licensed national sales force of up to 30,000 brokers and agents and establish PacifiCare's presence in markets across the United States.

"These contracts will culminate in a nationwide effort to ensure our broker and senior insurance carrier partners are licensed, trained, certified and administratively supported to sell PacifiCare's myriad senior products," said Patti Tucker, vice president, Sales & Distribution for Prescription Solutions from PacifiCare. "By establishing a strong and ready foundation, we believe we are well-prepared to immediately begin serving seniors' prescription drug needs. We will take steps to ensure that our new partners have everything they need to be successful."

In March, PacifiCare announced it intends to participate nationwide in the federal government's new Medicare Part D prescription drug program. According to Kosecoff, PacifiCare anticipates that -- pending the signing of contracts with the Centers for Medicare & Medicaid Services (CMS) -- it will be able to offer Part D prescription drug plans in all 34 regions established by CMS.

"By joining forces with our nationwide insurance and broker partners, we have taken an important step in our effort to transform PacifiCare into a national consumer health organization," said Howard Phanstiel, PacifiCare's chairman and CEO.

About PacifiCare

PacifiCare Health Systems is one of the nation's largest consumer health organizations with nearly 3.3 million health plan members and approximately 11.3 million specialty plan members nationwide. PacifiCare offers individuals, employers and Medicare beneficiaries a variety of consumer-driven health care and life insurance products. Specialty plan operations include behavioral health, dental and vision, and complete pharmacy benefit management through its wholly owned subsidiary, Prescription Solutions. More information on PacifiCare Health Systems is available at www.pacificare.com.

Source: PacifiCare Health Systems Inc.

CONTACT: Dan Miller, +1-714-226-3726, dan.miller@phs.com, or Cheryl
Randolph, +1-714-226-3441, cheryl.randolph@phs.com, both of PacifiCare Health
Systems Inc. Media Relations

Web site: http://www.pacificare.com/

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Profile: insurance

PIA National Board Endorses Creation of Public-Private Natural Catastrophe Fund

2005-09-11T16:57:00.000-07:00

PIA National Board Endorses Creation of Public-Private Natural Catastrophe Fund

Calls on Congress to Adopt Coordinated Plan That Creates Backstop

PORTLAND, Ore., Sept. 11 /PRNewswire/ -- The board of directors of the National Association of Professional Insurance Agents (PIA) has voted unanimously to call on Congress to adopt and fund a coordinated natural disaster catastrophe program. The action was taken during the association's fall meeting in Portland, Oregon held on September 11, 2005.

"The widespread devastation caused by Hurricane Katrina serves as an awesome reminder that neither one state nor a regional grouping of states can fund or support a catastrophe reserve fund," said PIA National Senior Vice President Patricia A. Borowski. "A national program for natural disasters has been discussed for many years. The time to create one is now."

PIA said such a program should be designed as a public-private collaborative effort. It should include prorated participation by states and local governments, together with the all sectors of the financial services industry, in the creation of a backstop for natural catastrophes to provide a financial reserve backstop for insurance carriers suddenly overwhelmed by the onslaught of extraordinary claims-payouts resulting from natural disasters.

"The goal of such a program is to provide immediate financial stability to markets in the immediate aftermath of natural disasters; to allow continued market stability; and to provide sufficient time to build back market capacity," Borowski said, adding that the program should also include funding of loss mitigation projects, especially in regard to protective infrastructures such as levies, dikes and retrofits.

PIA also recommended that the program should include a provision for the creation of tax-advantaged local or regional enterprise zones in areas affected by natural disasters, especially where recovery is expected to be long-term and affects broad geographic areas.

In addition to calling for the creation of a natural disaster catastrophe program, PIA National, in coordination with PIA of Louisiana, PIA of Mississippi and PIA of Alabama, has proposed a series of suggested directives that should be issued by departments of insurance (DOIs) in the three states, in the immediate aftermath of Hurricane Katrina.

These include directives involving suspension of insurance premium payments for all affected insureds; partial or full suspension of account current insurance premium payments from directly affected insurance producers; suspension of interest payments during the time insurance premium and/or account current payments are suspended; and, as quickly as possible, a request that that state Departments of Insurance, the Federal Emergency Management Agency (FEMA) and insurers coordinate to declare specific geographical areas as "total losses," especially for private homes, allowing total claims payouts to proceed.

The PIA recommendations were made to insurance regulators and companies that attended an emergency summit meeting September 7 in Atlanta called by Louisiana Insurance Commissioner Robert Wooley. PIA of Louisiana Executive Vice President Jody Boudreaux represented PIA at the meeting and made additional suggestions specific to the Louisiana DOI's Draft of Emergency Orders.

"PIA of Louisiana hopes the DOI will be able to act quickly on these orders, and provide at least a 90-day effective period with an option for renewal for these initial set of orders," said Boudreaux. "Right now, agents are still dealing with responding to the immediate needs of their clients who are still in crisis. They need a reasonable amount of time to focus on these immediate needs."

The proposed directives discussed at the September 7 summit are expected to be issued this week.

Founded in 1931, PIA is a national trade association that represents member insurance agents and their employees who sell and service all kinds of insurance, but specialize in coverage of automobiles, homes and businesses. PIA will celebrate its 75th anniversary in 2006. Visit PIA at http://www.pianet.com/

Source: National Association of Professional Insurance Agents

CONTACT: Ted Besesparis, +1-703-518-1352, for National Association of
Professional Insurance Agents

Web site: http://www.pianet.com/

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Profile: insurance