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Subject: Professional Broking - Continuity planning - Avoiding disaster
Date: Wed, 1 Apr 2009 11:07:02 +0100
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                <TD align=3Dleft>News Analysis</TD>
                <TD align=3Dright><!-- 843905 -->4 Mar =
2009</TD></TR></TBODY></TABLE>
            <P><SPAN class=3Dfeature></SPAN></P>
            <P><SPAN class=3Dheadline>Continuity planning - Avoiding =
disaster=20
            </SPAN></P>
            <P></P>
            <P><B>Katherine Brandon investigates why business continuity =
plans=20
            are essential for brokers and their clients</B></P>
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            <P>
            <P>Snowstorms and freezing conditions in early February =
brought much=20
            of the country's transport systems to a halt and, as a =
result, 20%=20
            of the UK working population struggled to make it into =
work.</P>
            <P>The Federation of Small Businesses estimated that the =
adverse=20
            weather cost businesses over =A31.2bn. The knock-on =
transport problems=20
            served to highlight the need for a good business continuity=20
plan.</P>
            <P>Brokers are particularly vulnerable: clients expect them =
to be=20
            contactable at any time and the chance is that, especially =
where the=20
            client is local to the broker, it may be looking to put in =
major=20
            claims at the same time as the broker is experiencing =
similar issues=20
            from the same cause of disruptions.</P>
            <P>In 2007, the heavy rain that caused the River Don in =
Sheffield to=20
            burst its banks left Walker Midgley Insurance Brokers - a =
member of=20
            Broker Network - with a metalworks client facing a claim =
likely to=20
            run into millions of pounds while the broker was also =
dealing with=20
            the flooding itself.</P>
            <P>The British Standards Institute claimed that a business =
without a=20
            continuity plan has a low chance of survival should a =
disaster hit=20
            and may leave partners, directors and business owners =
personally=20
            liable.</P>
            <P>The Home Office estimates that 80% of businesses without =
a=20
            business continuity plan close within 18 months of a major=20
            incident.</P>
            <P>Imperative</P>
            <P>"From the perspective of any business, a disaster =
recovery plan=20
            is vital. Without one, companies are leaving themselves open =
to=20
            chance. Many people think that managers' reactions in a =
crisis=20
            should be common sense but many people panic when faced with =
a=20
            disaster," said Tony Gimple, managing director of =
Lewes-based risk=20
            management firm Crisis Survivor.</P>
            <P>It is not just the obvious disasters such as fire, flood =
and=20
            pestilence that managers need to think about - more prosaic =
problems=20
            such as disruption to the travel network or a large client's =

            collapse are just as important. "Businesses need to make =
sure that=20
            managers think about how they would react to any crisis, =
especially=20
            how they would contact the stakeholders of the business and =
handle=20
            press," said Gimple.</P>
            <P>Information technology has changed the way we work - =
especially=20
            when communicating with clients - and persistent problems =
with IT=20
            could affect client retention easily. Files and other data =
are often=20
            stored locally, though it may need to be accessed remotely =
when a=20
            firm is under pressure of extreme disruption.</P>
            <P>Graeme Newman, business development director at CFC =
Underwriting,=20
            believes that many businesses are not planning for IT =
problems. He=20
            said: "People are generally good at covering traditional =
continuity=20
            such as fire and flood, though fewer people think about the =
possible=20
            effects of IT interruption. They forget how important IT is =
to their=20
            businesses: there will be an equivalent of pandemic flu with =
attacks=20
            on IT in the future and good businesses will have plans in =
place for=20
            this kind of disaster."</P>
            <P>Requirement</P>
            <P>The FSA obliges firms that it regulates to have =
continuity plans=20
            in place, particularly in handling customer data.</P>
            <P>Though a company may have its disaster recovery plan in =
place, it=20
            may not put in the effort to test it regularly and this is a =

            potentially grave error. There is no point in having a plan =
if you=20
            are not sure it will work when you need it. Even the best =
thought=20
            out plans may fail when put into practice: small details, =
such as=20
            the absence of a key member of the team, can be missed =
easily.</P>
            <P>"Business continuity should be run just like health and =
safety;=20
            it is a lot to do with culture and communications. Test your =
plans=20
            and then repeat at intervals until you see what is sinking =
in.=20
            People need to be aware that it is part of their jobs," =
warned Alex=20
            Hindson, head of enterprise risk management at Aon.</P>
            <P>Insurers are prepared to reward firms that are prepared =
for=20
            disaster, with premium discounts of up to 20% achievable for =
clients=20
            that can demonstrate the existence of a tried and tested =
plan.=20
            Because business continuity cover is bought to cover an =
indemnity=20
            period, clients can also save money: where a business can =
recover=20
            from a disaster within two months then there is no need to =
buy 24=20
            months of cover.</P>
            <P>Newman highlighted that these plans are expected by some=20
            insurers: "Clients without a good continuity plan can often =
not get=20
            the right insurance. People always expect a discount for =
having good=20
            plans in place but in many cases continuity plans are =
expected."</P>
            <P>Brokers that talk about recovery plans with clients may =
find them=20
            more willing to spend to ensure comprehensive cover. Gimple =
believed=20
            that all brokers should discuss business continuity with =
their=20
            commercial clients: "By talking through business continuity =
plans=20
            with their brokers, businesses can become more aware of the=20
            exposures that they are facing. This makes it easier to sell =

            offerings such as credit insurance and directors' and =
officers'=20
            cover. The ability to help clients through (the process of)=20
            designing a business continuity plan puts the broker in a =
position=20
            of knowledge, which can help differentiate the broker from=20
            competitors that rely on price."</P>
            <P>QUESTIONS FOR BUSINESSES</P>
            <P>If an untimely crisis prevented delivery to a key client, =
would=20
            it give you a second chance?</P>
            <P>If your premises or equipment suffer serious damage:</P>
            <P>- How long would your ability to operate be affected =
for?</P>
            <P>- How easy would it be to contact clients to let them =
know about=20
            the situation?</P>
            <P>- How would this affect your reputation?</P>
            <P>How would your business survive a serious flood?</P>
            <P>- Would electrical circuits and computer systems be =
affected?</P>
            <P>- How long would it take to recover?</P>
            <P>- How would you keep clients happy?</P>
            <P>- How would you pay your employees in the interim?</P>
            <P>A major incident will affect staff morale:</P>
            <P>- Would they stand by you or look for greater security=20
            elsewhere?</P>
            <P>- What impact would departures have on your business?</P>
            <P>If your computer or telephone systems went down now:</P>
            <P>- Would you be able to contact your clients?</P>
            <P>- What could you do to make certain that you have access =
to vital=20
            data, even if your computer system is destroyed?</P>
            <P>Source: Crisis Survivor.</P>
            <P></P><BR><!-- Could not find dynamic image 9 --><BR><!-- =
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mm_menu_0501103544_2.addMenuItem("MAJOR&nbsp;SHAREHOLDERS","window.open('=
http://www.incisivemedia.com/public/showPage.html?page=3Dincisive_investo=
r_shareholders', '_top');");
=20
 =
mm_menu_0501103544_2.addMenuItem("CORPORATE&nbsp;GOVERNANCE","window.open=
('http://www.incisivemedia.com/public/showPage.html?page=3Dincisive_inves=
tor_governance', '_top');");
=20
 =
mm_menu_0501103544_2.addMenuItem("FINANCIAL&nbsp;OTHER","window.open('htt=
p://www.incisivemedia.com/public/showPage.html?page=3Dincisive_investor_o=
ther', '_top');");

   mm_menu_0501103544_2.hideOnMouseOut=3Dtrue;
   mm_menu_0501103544_2.menuBorder=3D0;
   mm_menu_0501103544_2.menuLiteBgColor=3D'#ffffff';
   mm_menu_0501103544_2.menuBorderBgColor=3D'#d4d0c8';
   mm_menu_0501103544_2.bgColor=3D'#004275';
  window.mm_menu_0502140807_3 =3D new Menu("root",140,18,"Verdana, =
Arial, Helvetica, =
sans-serif",9,"#ffffff","#ffffff","#2c88b5","#69a9ca","left","middle",2,0=
,0,-5,7,true,true,true,10,false,false);
  =
mm_menu_0502140807_3.addMenuItem("WORKING&nbsp;WITH&nbsp;US","window.open=
('http://www.incisivemedia.com/public/showPage.html?page=3Dincisive_worki=
ngwithus', '_top');");
  =
mm_menu_0502140807_3.addMenuItem("JOB&nbsp;OPPORTUNTIES","window.open('ht=
tp://www.incisivemedia.com/public/showPage.html?page=3Dincisive_jobs', =
'_top');");
  =
mm_menu_0502140807_3.addMenuItem("GRADUATES","window.open('http://www.inc=
isivemedia.com/public/showPage.html?page=3Dincisive_graduates', =
'_top');");
   mm_menu_0502140807_3.hideOnMouseOut=3Dtrue;
   mm_menu_0502140807_3.menuBorder=3D0;
   mm_menu_0502140807_3.menuLiteBgColor=3D'#ffffff';
   mm_menu_0502140807_3.menuBorderBgColor=3D'#d4d0c8';
   mm_menu_0502140807_3.bgColor=3D'#004275';



  mm_menu_0502140807_3.writeMenus();
} // mmLoadMenus()

function MM_preloadImages() { file://v3.0
  var d=3Ddocument; if(d.images){ if(!d.MM_p) d.MM_p=3Dnew Array();
    var i,j=3Dd.MM_p.length,a=3DMM_preloadImages.arguments; for(i=3D0; =
i<a.length; i++)
    if (a[i].indexOf("#")!=3D0){ d.MM_p[j]=3Dnew Image; =
d.MM_p[j++].src=3Da[i];}}
}
=20
function MM_swapImgRestore() { file://v3.0
  var i,x,a=3Ddocument.MM_sr; =
for(i=3D0;a&&i<a.length&&(x=3Da[i])&&x.oSrc;i++) x.src=3Dx.oSrc;
}
=20
function MM_findObj(n, d) { file://v3.0
  var p,i,x;  if(!d) d=3Ddocument; =
if((p=3Dn.indexOf("?"))>0&&parent.frames.length) {
    d=3Dparent.frames[n.substring(p+1)].document; n=3Dn.substring(0,p);}
  if(!(x=3Dd[n])&&d.all) x=3Dd.all[n]; for =
(i=3D0;!x&&i<d.forms.length;i++) x=3Dd.forms[i][n];
  for(i=3D0;!x&&d.layers&&i<d.layers.length;i++) =
x=3DMM_findObj(n,d.layers[i].document); return x;
}
=20
function MM_swapImage() { file://v3.0
  var i,j=3D0,x,a=3DMM_swapImage.arguments; document.MM_sr=3Dnew Array; =
for(i=3D0;i<(a.length-2);i+=3D3)
   if ((x=3DMM_findObj(a[i]))!=3Dnull){document.MM_sr[j++]=3Dx; =
if(!x.oSrc) x.oSrc=3Dx.src; x.src=3Da[i+2];}
}

function MM_openBrWindow(theURL,winName,features) { //v2.0
  window.open(theURL,winName,features);
}

function popUp(url) {
                =
sealWin=3Dwindow.open(url,"win",'toolbar=3D0,location=3D0,directories=3D0=
,status=3D1,menubar=3D1,scrollbars=3D1,resizable=3D1,width=3D650,height=3D=
450');
                self.name =3D "mainWin"; }

function MM_openBrWindow(theURL,winName,features) { //v2.0
  window.open(theURL,winName,features);
}
var bookmarkurl=3D"http://www.incisivemedia.com"
var bookmarktitle=3D"Incisive Media"

function addbookmark(){
if (document.all)
window.external.AddFavorite(bookmarkurl,bookmarktitle)
}

function MM_validateForm() { //v3.0
  var =
i,p,q,nm,test,num,min,max,errors=3D'',args=3DMM_validateForm.arguments;
  for (i=3D0; i<(args.length-2); i+=3D3) { test=3Dargs[i+2]; =
val=3DMM_findObj(args[i]);
    if (val) { nm=3Dval.name; if ((val=3Dval.value)!=3D"") {
      if (test.indexOf('isEmail')!=3D-1) { p=3Dval.indexOf('@');
        if (p<1 || p=3D=3D(val.length-1)) errors+=3D'- '+nm+' must =
contain an e-mail address.\n';
      } else if (test!=3D'R') { num =3D parseFloat(val);
        if (val!=3D''+num) errors+=3D'- '+nm+' must contain a =
number.\n';
        if (test.indexOf('inRange') !=3D -1) { p=3Dtest.indexOf(':');
          min=3Dtest.substring(8,p); max=3Dtest.substring(p+1);
          if (num<min || max<num) errors+=3D'- '+nm+' must contain a =
number between '+min+' and '+max+'.\n';
    } } } else if (test.charAt(0) =3D=3D 'R') errors +=3D '- '+nm+' is =
required.\n'; }
  } if (errors) alert('Sorry, we need a little more detail:\n'+errors);
  document.MM_returnValue =3D (errors =3D=3D '');
}

function MM_goToURL() { //v3.0
  var i, args=3DMM_goToURL.arguments; document.MM_returnValue =3D false;
  for (i=3D0; i<(args.length-1); i+=3D2) =
eval(args[i]+".location=3D'"+args[i+1]+"'");
}
  function highlightButton(s) {
    if ("INPUT"=3D=3Devent.srcElement.tagName)
      event.srcElement.className=3Ds
  }

function clearDefault(el) {
  if (el.defaultValue=3D=3Del.value) el.value =3D ""
}

------=_NextPart_000_0000_01C9B2B9.FC3622F0
Content-Type: application/octet-stream
Content-Transfer-Encoding: quoted-printable
Content-Location: http://www.professionalbroking.co.uk/lib/webtrends.js

// WebTrends SmartSource Data Collector Tag=0A=
// Version: 8.5.0     =0A=
// Tag Builder Version: 2.0.0=0A=
// Created: 11/5/2008 11:56:29 AM=0A=
=0A=
function WebTrends(){=0A=
	var that=3Dthis;=0A=
	// begin: user modifiable=0A=
	this.dcsid=3D"";=0A=
	this.domain=3D"statse.webtrendslive.com";=0A=
	this.timezone=3D0;=0A=
	this.fpcdom=3D"";=0A=
	this.onsitedoms=3D"";=0A=
	this.downloadtypes=3D"xls,doc,pdf,txt,csv,zip,xml";=0A=
	this.trackevents=3Dtrue;=0A=
	this.enabled=3Dtrue;=0A=
	this.i18n=3Dfalse;=0A=
	this.fpc=3D"WT_FPC";=0A=
	// end: user modifiable=0A=
	this.DCS=3D{};=0A=
	this.WT=3D{};=0A=
	this.DCSext=3D{};=0A=
	this.images=3D[];=0A=
	this.index=3D0;=0A=
	this.exre=3D(function(){return(window.RegExp?new =
RegExp("dcs(uri)|(ref)|(aut)|(met)|(sta)|(sip)|(pro)|(byt)|(dat)|(p3p)|(c=
fg)|(redirect)|(cip)","i"):"");})();=0A=
	=
this.re=3D(function(){return(window.RegExp?(that.i18n?{"%25":/\%/g}:{"%09=
":/\t/g,"%20":/ =
/g,"%23":/\#/g,"%26":/\&/g,"%2B":/\+/g,"%3F":/\?/g,"%5C":/\\/g,"%22":/\"/=
g,"%7F":/\x7F/g,"%A0":/\xA0/g}):"");})();=0A=
}=0A=
WebTrends.prototype.dcsGetId=3Dfunction(){=0A=
	if =
(this.enabled&&(document.cookie.indexOf(this.fpc+"=3D")=3D=3D-1)&&(docume=
nt.cookie.indexOf("WTLOPTOUT=3D")=3D=3D-1)){=0A=
		document.write("<scr"+"ipt type=3D'text/javascript' =
src=3D'"+"http"+(window.location.protocol.indexOf('https:')=3D=3D0?'s':''=
)+"://"+this.domain+"/"+this.dcsid+"/wtid.js"+"'><\/scr"+"ipt>");=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsGetCookie=3Dfunction(name){=0A=
	var cookies=3Ddocument.cookie.split("; ");=0A=
	var cmatch=3D[];=0A=
	var idx=3D0;=0A=
	var i=3D0;=0A=
	var namelen=3Dname.length;=0A=
	var clen=3Dcookies.length;=0A=
	for (i=3D0;i<clen;i++){=0A=
		var c=3Dcookies[i];=0A=
		if ((c.substring(0,namelen+1))=3D=3D(name+"=3D")){=0A=
			cmatch[idx++]=3Dc;=0A=
		}=0A=
	}=0A=
	var cmatchCount=3Dcmatch.length;=0A=
	if (cmatchCount>0){=0A=
		idx=3D0;=0A=
		if ((cmatchCount>1)&&(name=3D=3Dthis.fpc)){=0A=
			var dLatest=3Dnew Date(0);=0A=
			for (i=3D0;i<cmatchCount;i++){=0A=
				var lv=3DparseInt(this.dcsGetCrumb(cmatch[i],"lv"));=0A=
				var dLst=3Dnew Date(lv);=0A=
				if (dLst>dLatest){=0A=
					dLatest.setTime(dLst.getTime());=0A=
					idx=3Di;=0A=
				}=0A=
			}=0A=
		}=0A=
		return unescape(cmatch[idx].substring(namelen+1));=0A=
	}=0A=
	else{=0A=
		return null;=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsGetCrumb=3Dfunction(cval,crumb,sep){=0A=
	var aCookie=3Dcval.split(sep||":");=0A=
	for (var i=3D0;i<aCookie.length;i++){=0A=
		var aCrumb=3DaCookie[i].split("=3D");=0A=
		if (crumb=3D=3DaCrumb[0]){=0A=
			return aCrumb[1];=0A=
		}=0A=
	}=0A=
	return null;=0A=
}=0A=
WebTrends.prototype.dcsGetIdCrumb=3Dfunction(cval,crumb){=0A=
	var id=3Dcval.substring(0,cval.indexOf(":lv=3D"));=0A=
	var aCrumb=3Did.split("=3D");=0A=
	for (var i=3D0;i<aCrumb.length;i++){=0A=
		if (crumb=3D=3DaCrumb[0]){=0A=
			return aCrumb[1];=0A=
		}=0A=
	}=0A=
	return null;=0A=
}=0A=
WebTrends.prototype.dcsIsFpcSet=3Dfunction(name,id,lv,ss){=0A=
	var c=3Dthis.dcsGetCookie(name);=0A=
	if (c){=0A=
		return =
((id=3D=3Dthis.dcsGetIdCrumb(c,"id"))&&(lv=3D=3Dthis.dcsGetCrumb(c,"lv"))=
&&(ss=3D=3Dthis.dcsGetCrumb(c,"ss")))?0:3;=0A=
	}=0A=
	return 2;=0A=
}=0A=
WebTrends.prototype.dcsFPC=3Dfunction(){=0A=
	if (document.cookie.indexOf("WTLOPTOUT=3D")!=3D-1){=0A=
		return;=0A=
	}=0A=
	var WT=3Dthis.WT;=0A=
	var name=3Dthis.fpc;=0A=
	var dCur=3Dnew Date();=0A=
	var adj=3D(dCur.getTimezoneOffset()*60000)+(this.timezone*3600000);=0A=
	dCur.setTime(dCur.getTime()+adj);=0A=
	var dExp=3Dnew Date(dCur.getTime()+315360000000);=0A=
	var dSes=3Dnew Date(dCur.getTime());=0A=
	=
WT.co_f=3DWT.vt_sid=3DWT.vt_f=3DWT.vt_f_a=3DWT.vt_f_s=3DWT.vt_f_d=3DWT.vt=
_f_tlh=3DWT.vt_f_tlv=3D"";=0A=
	if (document.cookie.indexOf(name+"=3D")=3D=3D-1){=0A=
		if ((typeof(gWtId)!=3D"undefined")&&(gWtId!=3D"")){=0A=
			WT.co_f=3DgWtId;=0A=
		}=0A=
		else if ((typeof(gTempWtId)!=3D"undefined")&&(gTempWtId!=3D"")){=0A=
			WT.co_f=3DgTempWtId;=0A=
			WT.vt_f=3D"1";=0A=
		}=0A=
		else{=0A=
			WT.co_f=3D"2";=0A=
			var curt=3DdCur.getTime().toString();=0A=
			for (var i=3D2;i<=3D(32-curt.length);i++){=0A=
				WT.co_f+=3DMath.floor(Math.random()*16.0).toString(16);=0A=
			}=0A=
			WT.co_f+=3Dcurt;=0A=
			WT.vt_f=3D"1";=0A=
		}=0A=
		if (typeof(gWtAccountRollup)=3D=3D"undefined"){=0A=
			WT.vt_f_a=3D"1";=0A=
		}=0A=
		WT.vt_f_s=3DWT.vt_f_d=3D"1";=0A=
		WT.vt_f_tlh=3DWT.vt_f_tlv=3D"0";=0A=
	}=0A=
	else{=0A=
		var c=3Dthis.dcsGetCookie(name);=0A=
		var id=3Dthis.dcsGetIdCrumb(c,"id");=0A=
		var lv=3DparseInt(this.dcsGetCrumb(c,"lv"));=0A=
		var ss=3DparseInt(this.dcsGetCrumb(c,"ss"));=0A=
		if ((id=3D=3Dnull)||(id=3D=3D"null")||isNaN(lv)||isNaN(ss)){=0A=
			return;=0A=
		}=0A=
		WT.co_f=3Did;=0A=
		var dLst=3Dnew Date(lv);=0A=
		WT.vt_f_tlh=3DMath.floor((dLst.getTime()-adj)/1000);=0A=
		dSes.setTime(ss);=0A=
		if =
((dCur.getTime()>(dLst.getTime()+1800000))||(dCur.getTime()>(dSes.getTime=
()+28800000))){=0A=
			WT.vt_f_tlv=3DMath.floor((dSes.getTime()-adj)/1000);=0A=
			dSes.setTime(dCur.getTime());=0A=
			WT.vt_f_s=3D"1";=0A=
		}=0A=
		if =
((dCur.getDay()!=3DdLst.getDay())||(dCur.getMonth()!=3DdLst.getMonth())||=
(dCur.getYear()!=3DdLst.getYear())){=0A=
			WT.vt_f_d=3D"1";=0A=
		}=0A=
	}=0A=
	WT.co_f=3Descape(WT.co_f);=0A=
	WT.vt_sid=3DWT.co_f+"."+(dSes.getTime()-adj);=0A=
	var expiry=3D"; expires=3D"+dExp.toGMTString();=0A=
	var cur=3DdCur.getTime().toString();=0A=
	var ses=3DdSes.getTime().toString();=0A=
	=
document.cookie=3Dname+"=3D"+"id=3D"+WT.co_f+":lv=3D"+cur+":ss=3D"+ses+ex=
piry+"; path=3D/"+(((this.fpcdom!=3D""))?("; =
domain=3D"+this.fpcdom):(""));=0A=
	var rc=3Dthis.dcsIsFpcSet(name,WT.co_f,cur,ses);=0A=
	if (rc!=3D0){=0A=
		=
WT.co_f=3DWT.vt_sid=3DWT.vt_f_s=3DWT.vt_f_d=3DWT.vt_f_tlh=3DWT.vt_f_tlv=3D=
"";=0A=
		WT.vt_f=3DWT.vt_f_a=3Drc;=0A=
    }=0A=
}=0A=
WebTrends.prototype.dcsIsOnsite=3Dfunction(host){=0A=
	if (host.length>0){=0A=
	    host=3Dhost.toLowerCase();=0A=
	    if (host=3D=3Dwindow.location.hostname.toLowerCase()){=0A=
		    return true;=0A=
	    }=0A=
	    if (typeof(this.onsitedoms.test)=3D=3D"function"){=0A=
		    return this.onsitedoms.test(host);=0A=
	    }=0A=
	    else if (this.onsitedoms.length>0){=0A=
		    var doms=3Dthis.dcsSplit(this.onsitedoms);=0A=
		    var len=3Ddoms.length;=0A=
		    for (var i=3D0;i<len;i++){=0A=
			    if (host=3D=3Ddoms[i]){=0A=
			        return true;=0A=
			    }=0A=
		    }=0A=
	    }=0A=
	}=0A=
	return false;=0A=
}=0A=
WebTrends.prototype.dcsTypeMatch=3Dfunction(pth, typelist){=0A=
	var type=3Dpth.substring(pth.lastIndexOf(".")+1,pth.length);=0A=
	var types=3Dthis.dcsSplit(typelist);=0A=
	var tlen=3Dtypes.length;	=0A=
	for (var i=3D0;i<tlen;i++){=0A=
		if (type=3D=3Dtypes[i]){=0A=
			return true;=0A=
		}=0A=
	}=0A=
	return false;=0A=
}=0A=
WebTrends.prototype.dcsEvt=3Dfunction(evt,tag){=0A=
	var e=3Devt.target||evt.srcElement;=0A=
	while (e.tagName&&(e.tagName!=3Dtag)){=0A=
		e=3De.parentElement||e.parentNode;=0A=
	}=0A=
	return e;=0A=
}=0A=
WebTrends.prototype.dcsNavigation=3Dfunction(evt){=0A=
	return "";=0A=
}=0A=
WebTrends.prototype.dcsBind=3Dfunction(event,func){=0A=
	if ((typeof(func)=3D=3D"function")&&document.body){=0A=
		if (document.body.addEventListener){=0A=
			document.body.addEventListener(event, func.wtbind(this), true);=0A=
		}=0A=
		else if(document.body.attachEvent){=0A=
			document.body.attachEvent("on"+event, func.wtbind(this));=0A=
		}=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsET=3Dfunction(){=0A=
	var =
e=3D(navigator.appVersion.indexOf("MSIE")!=3D-1)?"click":"mousedown";=0A=
	this.dcsBind(e,this.dcsDownload);=0A=
	this.dcsBind(e,this.dcsOffsite);=0A=
}=0A=
WebTrends.prototype.dcsMultiTrack=3Dfunction(){=0A=
	var args=3DdcsMultiTrack.arguments?dcsMultiTrack.arguments:arguments;=0A=
	if (args.length%2=3D=3D0){=0A=
		for (var i=3D0;i<args.length;i+=3D2){=0A=
			if (args[i].indexOf('WT.')=3D=3D0){=0A=
				this.WT[args[i].substring(3)]=3Dargs[i+1];=0A=
			}=0A=
			else if (args[i].indexOf('DCS.')=3D=3D0){=0A=
				this.DCS[args[i].substring(4)]=3Dargs[i+1];=0A=
			}=0A=
			else if (args[i].indexOf('DCSext.')=3D=3D0){=0A=
				this.DCSext[args[i].substring(7)]=3Dargs[i+1];=0A=
			}=0A=
		}=0A=
		var dCurrent=3Dnew Date();=0A=
		this.DCS.dcsdat=3DdCurrent.getTime();=0A=
		this.dcsFunc(this.dcsFPC());=0A=
		this.dcsTag();=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsSplit=3Dfunction(list){=0A=
	var items=3Dlist.toLowerCase().split(",");=0A=
	var len=3Ditems.length;=0A=
	for (var i=3D0;i<len;i++){=0A=
		items[i]=3Ditems[i].replace(/^\s*/,"").replace(/\s*$/,"");=0A=
	}=0A=
	return items;=0A=
}=0A=
// Code section for Track clicks to download links.=0A=
WebTrends.prototype.dcsDownload=3Dfunction(evt){=0A=
	evt=3Devt||(window.event||"");=0A=
	if (evt&&((typeof(evt.which)!=3D"number")||(evt.which=3D=3D1))){=0A=
		var e=3Dthis.dcsEvt(evt,"A");=0A=
		if (e.href){=0A=
		    var hn=3De.hostname?(e.hostname.split(":")[0]):"";=0A=
		    if =
(this.dcsIsOnsite(hn)&&this.dcsTypeMatch(e.pathname,this.downloadtypes)){=0A=
		        var =
qry=3De.search?e.search.substring(e.search.indexOf("?")+1,e.search.length=
):"";=0A=
		        var =
pth=3De.pathname?((e.pathname.indexOf("/")!=3D0)?"/"+e.pathname:e.pathnam=
e):"/";=0A=
		        var ttl=3D"";=0A=
		        var text=3Ddocument.all?e.innerText:e.text;=0A=
		        var img=3Dthis.dcsEvt(evt,"IMG");=0A=
		        if (img.alt){=0A=
			        ttl=3Dimg.alt;=0A=
		        }=0A=
		        else if (text){=0A=
			        ttl=3Dtext;=0A=
		        }=0A=
		        else if (e.innerHTML){=0A=
			        ttl=3De.innerHTML;=0A=
		        }=0A=
		        =
this.dcsMultiTrack("DCS.dcssip",hn,"DCS.dcsuri",pth,"DCS.dcsqry",e.search=
||"","WT.ti","Download:"+ttl,"WT.dl","20","WT.nv",this.dcsNavigation(evt)=
);=0A=
		        =
this.DCS.dcssip=3Dthis.DCS.dcsuri=3Dthis.DCS.dcsqry=3Dthis.WT.ti=3Dthis.W=
T.dl=3Dthis.WT.nv=3D"";=0A=
		    }=0A=
		}=0A=
	}=0A=
}=0A=
// Code section for Track clicks to links leading offsite.=0A=
WebTrends.prototype.dcsOffsite=3Dfunction(evt){=0A=
	evt=3Devt||(window.event||"");=0A=
	if (evt&&((typeof(evt.which)!=3D"number")||(evt.which=3D=3D1))){=0A=
		var e=3Dthis.dcsEvt(evt,"A");=0A=
		if (e.href){=0A=
		    var hn=3De.hostname?(e.hostname.split(":")[0]):"";=0A=
		    var pr=3De.protocol||"";=0A=
		    if =
((hn.length>0)&&(pr.indexOf("http")=3D=3D0)&&!this.dcsIsOnsite(hn)){=0A=
			    var =
qry=3De.search?e.search.substring(e.search.indexOf("?")+1,e.search.length=
):"";=0A=
			    var =
pth=3De.pathname?((e.pathname.indexOf("/")!=3D0)?"/"+e.pathname:e.pathnam=
e):"/";=0A=
			    var trim=3Dtrue;=0A=
			    =
this.dcsMultiTrack("DCS.dcssip",hn,"DCS.dcsuri",pth,"DCS.dcsqry",trim?"":=
qry,"WT.ti","Offsite:"+hn+pth+qry,"WT.dl","24","WT.nv",this.dcsNavigation=
(evt));=0A=
			    =
this.DCS.dcssip=3Dthis.DCS.dcsuri=3Dthis.DCS.dcsqry=3Dthis.WT.ti=3Dthis.W=
T.dl=3Dthis.WT.nv=3D"";=0A=
		    }=0A=
		}=0A=
	}=0A=
}=0A=
=0A=
WebTrends.prototype.dcsAdv=3Dfunction(){=0A=
	if (this.trackevents&&(typeof(this.dcsET)=3D=3D"function")){=0A=
		if (window.addEventListener){=0A=
			window.addEventListener("load",this.dcsET.wtbind(this),false);=0A=
		}=0A=
		else if (window.attachEvent){=0A=
			window.attachEvent("onload",this.dcsET.wtbind(this));=0A=
		}=0A=
	}=0A=
	this.dcsFunc(this.dcsFPC());=0A=
}=0A=
WebTrends.prototype.dcsVar=3Dfunction(){=0A=
	var dCurrent=3Dnew Date();=0A=
	var WT=3Dthis.WT;=0A=
	var DCS=3Dthis.DCS;=0A=
	WT.tz=3DparseInt(dCurrent.getTimezoneOffset()/60*-1)||"0";=0A=
	WT.bh=3DdCurrent.getHours()||"0";=0A=
	=
WT.ul=3Dnavigator.appName=3D=3D"Netscape"?navigator.language:navigator.us=
erLanguage;=0A=
	if (typeof(screen)=3D=3D"object"){=0A=
		=
WT.cd=3Dnavigator.appName=3D=3D"Netscape"?screen.pixelDepth:screen.colorD=
epth;=0A=
		WT.sr=3Dscreen.width+"x"+screen.height;=0A=
	}=0A=
	if (typeof(navigator.javaEnabled())=3D=3D"boolean"){=0A=
		WT.jo=3Dnavigator.javaEnabled()?"Yes":"No";=0A=
	}=0A=
	if (document.title){=0A=
		if (window.RegExp){=0A=
			var tire=3Dnew =
RegExp("^"+window.location.protocol+"//"+window.location.hostname+"\\s-\\=
s");=0A=
			WT.ti=3Ddocument.title.replace(tire,"");=0A=
		}=0A=
		else{=0A=
			WT.ti=3Ddocument.title;=0A=
		}=0A=
	}=0A=
	WT.js=3D"Yes";=0A=
	WT.jv=3D(function(){=0A=
		var agt=3Dnavigator.userAgent.toLowerCase();=0A=
		var major=3DparseInt(navigator.appVersion);=0A=
		var mac=3D(agt.indexOf("mac")!=3D-1);=0A=
		var ff=3D(agt.indexOf("firefox")!=3D-1);=0A=
		var ff0=3D(agt.indexOf("firefox/0.")!=3D-1);=0A=
		var ff10=3D(agt.indexOf("firefox/1.0")!=3D-1);=0A=
		var ff15=3D(agt.indexOf("firefox/1.5")!=3D-1);=0A=
		var ff20=3D(agt.indexOf("firefox/2.0")!=3D-1);=0A=
		var ff3up=3D(ff&&!ff0&&!ff10&!ff15&!ff20);=0A=
		var =
nn=3D(!ff&&(agt.indexOf("mozilla")!=3D-1)&&(agt.indexOf("compatible")=3D=3D=
-1));=0A=
		var nn4=3D(nn&&(major=3D=3D4));=0A=
		var nn6up=3D(nn&&(major>=3D5));=0A=
		var ie=3D((agt.indexOf("msie")!=3D-1)&&(agt.indexOf("opera")=3D=3D-1));=0A=
		var ie4=3D(ie&&(major=3D=3D4)&&(agt.indexOf("msie 4")!=3D-1));=0A=
		var ie5up=3D(ie&&!ie4);=0A=
		var op=3D(agt.indexOf("opera")!=3D-1);=0A=
		var op5=3D(agt.indexOf("opera 5")!=3D-1||agt.indexOf("opera/5")!=3D-1);=0A=
		var op6=3D(agt.indexOf("opera 6")!=3D-1||agt.indexOf("opera/6")!=3D-1);=0A=
		var op7up=3D(op&&!op5&&!op6);=0A=
		var jv=3D"1.1";=0A=
		if (ff3up){=0A=
			jv=3D"1.8";=0A=
		}=0A=
		else if (ff20){=0A=
			jv=3D"1.7";=0A=
		}=0A=
		else if (ff15){=0A=
			jv=3D"1.6";=0A=
		}=0A=
		else if (ff0||ff10||nn6up||op7up){=0A=
			jv=3D"1.5";=0A=
		}=0A=
		else if ((mac&&ie5up)||op6){=0A=
			jv=3D"1.4";=0A=
		}=0A=
		else if (ie5up||nn4||op5){=0A=
			jv=3D"1.3";=0A=
		}=0A=
		else if (ie4){=0A=
			jv=3D"1.2";=0A=
		}=0A=
		return jv;=0A=
	})();=0A=
	WT.ct=3D"unknown";=0A=
	if (document.body&&document.body.addBehavior){=0A=
		try{=0A=
			document.body.addBehavior("#default#clientCaps");=0A=
			WT.ct=3Ddocument.body.connectionType||"unknown";=0A=
			document.body.addBehavior("#default#homePage");=0A=
			WT.hp=3Ddocument.body.isHomePage(location.href)?"1":"0";=0A=
		}=0A=
		catch(e){=0A=
		}=0A=
	}=0A=
	if (document.all){=0A=
		=
WT.bs=3Ddocument.body?document.body.offsetWidth+"x"+document.body.offsetH=
eight:"unknown";=0A=
	}=0A=
	else{=0A=
		WT.bs=3Dwindow.innerWidth+"x"+window.innerHeight;=0A=
	}=0A=
	WT.fv=3D(function(){=0A=
		var i,flash;=0A=
		if (window.ActiveXObject){=0A=
			for(i=3D10;i>0;i--){=0A=
				try{=0A=
					flash=3Dnew ActiveXObject("ShockwaveFlash.ShockwaveFlash."+i);=0A=
					return i+".0";=0A=
				}=0A=
				catch(e){=0A=
				}=0A=
			}=0A=
		}=0A=
		else if (navigator.plugins&&navigator.plugins.length){=0A=
			for (i=3D0;i<navigator.plugins.length;i++){=0A=
				if (navigator.plugins[i].name.indexOf('Shockwave Flash')!=3D-1){=0A=
					return navigator.plugins[i].description.split(" ")[2];=0A=
				}=0A=
			}=0A=
		}=0A=
		return "Not enabled";=0A=
	})();=0A=
	WT.slv=3D(function(){=0A=
		var slv=3D"Not enabled";=0A=
		try{     =0A=
			if (navigator.userAgent.indexOf('MSIE')!=3D-1){=0A=
				var sli =3D new ActiveXObject('AgControl.AgControl');=0A=
				if (sli){=0A=
					slv=3D"Unknown";=0A=
				}=0A=
			}=0A=
			else if (navigator.plugins["Silverlight Plug-In"]){=0A=
				slv=3D"Unknown";=0A=
			}=0A=
		}=0A=
		catch(e){=0A=
		}=0A=
		if (slv!=3D"Not enabled"){=0A=
			var i,j,v;=0A=
			if =
((typeof(Silverlight)=3D=3D"object")&&(typeof(Silverlight.isInstalled)=3D=
=3D"function")){=0A=
				for (j=3D9;j>=3D0;j--){=0A=
					for(i=3D3;i>0;i--){=0A=
						v=3Di+"."+j;=0A=
						if (Silverlight.isInstalled(v)){=0A=
							slv=3Dv;=0A=
							break;=0A=
						}=0A=
					}=0A=
					if (slv=3D=3Dv){=0A=
						break;=0A=
					}=0A=
				}=0A=
			}=0A=
		}=0A=
		return slv;=0A=
	})();=0A=
	if (this.i18n){=0A=
		if (typeof(document.defaultCharset)=3D=3D"string"){=0A=
			WT.le=3Ddocument.defaultCharset;=0A=
		} =0A=
		else if (typeof(document.characterSet)=3D=3D"string"){=0A=
			WT.le=3Ddocument.characterSet;=0A=
		}=0A=
		else{=0A=
			WT.le=3D"unknown";=0A=
		}=0A=
	}=0A=
	WT.tv=3D"8.5.0";=0A=
//	WT.sp=3D"@@SPLITVALUE@@";=0A=
	WT.dl=3D"0";=0A=
	WT.ssl=3D(window.location.protocol.indexOf('https:')=3D=3D0)?"1":"0";=0A=
	DCS.dcsdat=3DdCurrent.getTime();=0A=
	DCS.dcssip=3Dwindow.location.hostname;=0A=
	DCS.dcsuri=3Dwindow.location.pathname;=0A=
	WT.es=3DDCS.dcssip+DCS.dcsuri;=0A=
	if (window.location.search){=0A=
		DCS.dcsqry=3Dwindow.location.search;=0A=
	}=0A=
	if =
((window.document.referrer!=3D"")&&(window.document.referrer!=3D"-")){=0A=
		if (!(navigator.appName=3D=3D"Microsoft Internet =
Explorer"&&parseInt(navigator.appVersion)<4)){=0A=
			DCS.dcsref=3Dwindow.document.referrer;=0A=
		}=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsEscape=3Dfunction(S, REL){=0A=
	if (REL!=3D""){=0A=
		S=3DS.toString();=0A=
		for (var R in REL){=0A=
 			if (REL[R] instanceof RegExp){=0A=
				S=3DS.replace(REL[R],R);=0A=
 			}=0A=
		}=0A=
		return S;=0A=
	}=0A=
	else{=0A=
		return escape(S);=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsA=3Dfunction(N,V){=0A=
	if (this.i18n&&(this.exre!=3D"")&&!this.exre.test(N)){=0A=
		if (N=3D=3D"dcsqry"){=0A=
			var newV=3D"";=0A=
			var params=3DV.substring(1).split("&");=0A=
			for (var i=3D0;i<params.length;i++){=0A=
				var pair=3Dparams[i];=0A=
				var pos=3Dpair.indexOf("=3D");=0A=
				if (pos!=3D-1){=0A=
					var key=3Dpair.substring(0,pos);=0A=
					var val=3Dpair.substring(pos+1);=0A=
					if (i!=3D0){=0A=
						newV+=3D"&";=0A=
					}=0A=
					newV+=3Dkey+"=3D"+this.dcsEncode(val);=0A=
				}=0A=
			}=0A=
			V=3DV.substring(0,1)+newV;=0A=
		}=0A=
		else{=0A=
			V=3Dthis.dcsEncode(V);=0A=
		}=0A=
	}=0A=
	return "&"+N+"=3D"+this.dcsEscape(V, this.re);=0A=
}=0A=
WebTrends.prototype.dcsEncode=3Dfunction(S){=0A=
	return =
(typeof(encodeURIComponent)=3D=3D"function")?encodeURIComponent(S):escape=
(S);=0A=
}=0A=
WebTrends.prototype.dcsCreateImage=3Dfunction(dcsSrc){=0A=
	if (document.images){=0A=
		this.images[this.index]=3Dnew Image();=0A=
		this.images[this.index].src=3DdcsSrc;=0A=
		this.index++;=0A=
	}=0A=
	else{=0A=
		document.write('<IMG ALT=3D"" BORDER=3D"0" NAME=3D"DCSIMG" WIDTH=3D"1" =
HEIGHT=3D"1" SRC=3D"'+dcsSrc+'">');=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsMeta=3Dfunction(){=0A=
	var elems;=0A=
	if (document.all){=0A=
		elems=3Ddocument.all.tags("meta");=0A=
	}=0A=
	else if (document.documentElement){=0A=
		elems=3Ddocument.getElementsByTagName("meta");=0A=
	}=0A=
	if (typeof(elems)!=3D"undefined"){=0A=
		var length=3Delems.length;=0A=
		for (var i=3D0;i<length;i++){=0A=
			var name=3Delems.item(i).name;=0A=
			var content=3Delems.item(i).content;=0A=
			var equiv=3Delems.item(i).httpEquiv;=0A=
			if (name.length>0){=0A=
				if (name.indexOf("WT.")=3D=3D0){=0A=
					this.WT[name.substring(3)]=3Dcontent;=0A=
				}=0A=
				else if (name.indexOf("DCSext.")=3D=3D0){=0A=
					this.DCSext[name.substring(7)]=3Dcontent;=0A=
				}=0A=
				else if (name.indexOf("DCS.")=3D=3D0){=0A=
					this.DCS[name.substring(4)]=3Dcontent;=0A=
				}=0A=
			}=0A=
		}=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsTag=3Dfunction(){=0A=
	if (document.cookie.indexOf("WTLOPTOUT=3D")!=3D-1){=0A=
		return;=0A=
	}=0A=
	var WT=3Dthis.WT;=0A=
	var DCS=3Dthis.DCS;=0A=
	var DCSext=3Dthis.DCSext;=0A=
	var i18n=3Dthis.i18n;=0A=
	var =
P=3D"http"+(window.location.protocol.indexOf('https:')=3D=3D0?'s':'')+":/=
/"+this.domain+(this.dcsid=3D=3D""?'':'/'+this.dcsid)+"/dcs.gif?";=0A=
	if (i18n){=0A=
		WT.dep=3D"";=0A=
	}=0A=
	for (var N in DCS){=0A=
 		if (DCS[N]&&(typeof DCS[N]!=3D"function")){=0A=
			P+=3Dthis.dcsA(N,DCS[N]);=0A=
		}=0A=
	}=0A=
	var keys=3D["co_f","vt_sid","vt_f_tlv"];=0A=
	for (var i=3D0;i<keys.length;i++){=0A=
		var key=3Dkeys[i];=0A=
		if (WT[key]){=0A=
			P+=3Dthis.dcsA("WT."+key,WT[key]);=0A=
			delete WT[key];=0A=
		}=0A=
	}=0A=
	for (N in WT){=0A=
		if (WT[N]&&(typeof WT[N]!=3D"function")){=0A=
			P+=3Dthis.dcsA("WT."+N,WT[N]);=0A=
		}=0A=
	}=0A=
	for (N in DCSext){=0A=
		if (DCSext[N]&&(typeof DCSext[N]!=3D"function")){=0A=
			if (i18n){=0A=
				WT.dep=3D(WT.dep.length=3D=3D0)?N:(WT.dep+";"+N);=0A=
			}=0A=
			P+=3Dthis.dcsA(N,DCSext[N]);=0A=
		}=0A=
	}=0A=
	if (i18n&&(WT.dep.length>0)){=0A=
		P+=3Dthis.dcsA("WT.dep",WT.dep);=0A=
	}=0A=
	if (P.length>2048&&navigator.userAgent.indexOf('MSIE')>=3D0){=0A=
		P=3DP.substring(0,2040)+"&WT.tu=3D1";=0A=
	}=0A=
	this.dcsCreateImage(P);=0A=
	this.WT.ad=3D"";=0A=
}=0A=
WebTrends.prototype.dcsFunc=3Dfunction(func){=0A=
	if (typeof(func)=3D=3D"function"){=0A=
		func();=0A=
	}=0A=
}=0A=
WebTrends.prototype.dcsDebug=3Dfunction(){=0A=
	var t=3Dthis;=0A=
	var i=3Dt.images[0].src;=0A=
	var q=3Di.indexOf("?");=0A=
	var r=3Di.substring(0,q).split("/");=0A=
	var m=3D"<b>Protocol</b><br><code>"+r[0]+"<br></code>";=0A=
	m+=3D"<b>Domain</b><br><code>"+r[2]+"<br></code>";=0A=
	m+=3D"<b>Path</b><br><code>/"+r[3]+"/"+r[4]+"<br></code>";=0A=
	m+=3D"<b>Query =
Params</b><code>"+i.substring(q+1).replace(/\&/g,"<br>")+"</code>";=0A=
	=
m+=3D"<br><b>Cookies</b><br><code>"+document.cookie.replace(/\;/g,"<br>")=
+"</code>";=0A=
	if (t.w&&!t.w.closed){=0A=
		t.w.close();=0A=
	}=0A=
	=
t.w=3Dwindow.open("","dcsDebug","width=3D500,height=3D650,scrollbars=3Dye=
s,resizable=3Dyes");=0A=
	t.w.document.write(m);=0A=
	t.w.focus();=0A=
}=0A=
WebTrends.prototype.dcsCollect=3Dfunction(){=0A=
    if (this.enabled){=0A=
        this.dcsVar();=0A=
        this.dcsMeta();=0A=
        this.dcsFunc(this.dcsAdv());=0A=
        this.dcsTag();=0A=
    }=0A=
}=0A=
=0A=
function dcsMultiTrack(){=0A=
	if (typeof(_tag)!=3D"undefined"){=0A=
		return(_tag.dcsMultiTrack());=0A=
	}=0A=
}=0A=
=0A=
Function.prototype.wtbind =3D function(obj){=0A=
	var method=3Dthis;=0A=
	var temp=3Dfunction(){=0A=
		return method.apply(obj,arguments);=0A=
	};=0A=
	return temp;=0A=
}
------=_NextPart_000_0000_01C9B2B9.FC3622F0
Content-Type: application/octet-stream
Content-Transfer-Encoding: 7bit
Content-Location: http://db.riskwaters.com/ads/view.html?ad=5637&cb=1238580396


------=_NextPart_000_0000_01C9B2B9.FC3622F0
Content-Type: application/octet-stream
Content-Transfer-Encoding: 7bit
Content-Location: http://db.riskwaters.com/ads/view.html?ad=4944&cb=1238580396


------=_NextPart_000_0000_01C9B2B9.FC3622F0
Content-Type: application/octet-stream
Content-Transfer-Encoding: 7bit
Content-Location: http://db.riskwaters.com/ads/view.html?ad=5658&cb=1238580396


------=_NextPart_000_0000_01C9B2B9.FC3622F0--