Auto Insurance Premiums Expected to Remain Virtually Unchanged in 2006

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1 Auto Insurance Premiums Expected to Remain Virtually Unchanged in The cost of auto insurance is expected to rise by just 0.5 percent in 2006, the smallest increase in six years, reports the Insurance Information Institute. The average cost for auto insurance nationwide for 2006 is estimated at $867 an increase of just $4 per vehicle from last year, according to the I.I.I, despite record vehicle-related losses arising from the 2005 hurricane season. The projected increase represents a continued slowdown from 2005 when auto insurance costs rose by 2.5 percent. The cost of auto insurance is increasing by about one-sixth the rate of inflation and little more than a single gallon of gasoline, said Robert Hartwig, senior vice president and chief economist of the I.I.I. Many people who, for example, drive safe cars, have excellent safety records and good credit-based insurance scores may see their rates go down, often by 3 to 5 percent or about $25 to $50 per vehicle. This is welcome news for drivers who have been battered by record high gas prices over the past year, he added. What s more, Hartwig said, people who trade-in their expensive gas-guzzlers for smaller, more fuel efficient and less expensive vehicles may see even lower insurance costs in many cases. Smaller cars that cost less with fewer horsepower are often less expensive to insure because repair costs are less. Some insurers now even offer special discounts for hybrid vehicles. It may also pay to just leave the car at home. People who make the switch to public transportation may also qualify for lower insurance premiums if they no longer use the vehicle commuting and drive it significantly fewer miles each year, said Hartwig. Hartwig cited the declining number of auto accidents, safer cars, new auto theft technology, fraud-fighting efforts and graduated licensing laws for teen drivers as additional key factors contributing to the cost slowdown. However, he observed that rising costs for medical care and vehicle repairs as well as defense costs and jury awards remain a problem, according to I.I.I. s analysis. Potentially harmful restrictions on the use of credit-based insurance scores in several states are also a threat to millions of drivers. Insurance scores are highly accurate predictors of future loss, allowing insurers to more accurately price insurance and create a more fair and equitable rating environment for all drivers. Efforts to ban scoring will lead directly to higher insurance rates for good drivers while, ironically, lowering rates for people who are involved in the most accidents, said Hartwig, adding that efforts by some states to restrict other underwriting factors that have been used by some insurers for decades could have a similar negative impact on policyholders. The average driver will pay $867 in But, what an individual driver pays will vary by state, insurance company and motorist characteristics.

2 Spitzer Files Bid-Rig Suit Against Liberty Mutual- New York Attorney General Eliot Spitzer charged Liberty Mutual Group, the sixth largest U.S. property casualty insurer, with rigging bids and making payoffs to steer business its way. Liberty Mutual denied the charges, saying it was "preparing to resolve the issues in court." The civil complaint in New York State Supreme Court says Boston-based Liberty Mutual conspired with Marsh & McLennan Cos. Inc., the world's largest insurance broker. Last year, Marsh & McLennan paid $850 million to Spitzer's office and other regulators to settle these charges. The New York attorney general now wants Liberty to disgorge its "illegal" profits, reimburse damaged policyholders and pay treble damages. In a statement, Liberty Mutual called the demands "excessive and unreasonable, both in terms of magnitude and in their demands that we change legitimate business practices." The company ranks 102nd on the Fortune 500 list of the largest corporations, with more than $21 billion in annual revenue. Spitzer claims Liberty and Marsh conspired to rig the excess casualty market, where businesses go to get coverage beyond their normal insurance policies. From 2001 until 2004, Spitzer said, Marsh repeatedly asked Liberty to provide higher, fake bids in order to allow some of Marsh's other clients, such as American Insurance Group Inc. to win with a lower, arranged bid. "Through this scheme, Marsh was able to deceive its clients into thinking that the insurance policies and premiums it offered were the result of true competition," Spitzer said. Meanwhile, consumers and businesses paid inflated premiums, he added. In return, Liberty Mutual received favorable treatment from Marsh, Spitzer said. In February, AIG paid $1.64 billion to settle its regulatory charges. In August of last year, a former Liberty Mutual executive pleaded guilty to criminal charges in connection with the bid- rigging. In addition to bid-rigging, Spitzer's lawsuit also raises the issue of "contingent commissions," which have and continue to be paid by insurers to some brokers based on how much business they bring to insurers. While not technically illegal, the cost of this scheme is "borne by customers steered to more expensive and perhaps even inferior products," Spitzer's lawsuit says. U.S. Workers Don t Plan to Leave Inheritance to Heirs- Only one in three American workers expect to pass on any of their retirement savings to family members, according to the AXA Equitable Retirement Scope, a global survey. The remaining working respondents ( 64%) believe they will spend all of their savings during their retirement years. Less than half of current retirees expect to spend all of their savings. Nearly 40% of retired respondents are maintaining funds to pass down. With regards to primary sources of retirement income, the survey finds that nearly 65% of working respondents say they will rely on their own savings plus resources other than Social Security or corporate pensions. Top Ten Reasons to use Reason #4 Low Price Guarantee. Your high deductible customers will love us. We won t shatter their wallets. Call for more info!

3 Federal Trade Commission Consumer Alerts- Unsolicited Mail, Telemarketing and Where to Go To Just Say No. Tired of having your mailbox crammed with unsolicited mail, including pre-approved credit card applications? Fed up with getting telemarketing calls just as you re sitting down to dinner? Fuming that your inbox is chock-full of unsolicited advertising? The good news is that you can cut down on the number of unsolicited mailings, calls and s you receive by learning where to go to just say no. Credit Bureaus The credit bureaus offer a toll-free number that enables you to opt-out of having pre-approved credit offers sent to you for two years. Call OPTOUT ( ) for more information. When you call, you ll be asked for personal information, including your home telephone number, your name and your Social Security number. The information you provide is confidential and will be used only to process your request to opt out of receiving pre-screened offers of credit. In addition, you can notify the three major credit bureaus that you do not want personal information about you shared for promotional purposes an important step toward eliminating unsolicited mail. Write your own letter or use the sample letter to the right of this Alert to limit the amount of information the credit bureaus will share about you. Send your letter to each of the three major credit bureaus: Equifax, Inc. Options PO Box Atlanta, GA Experian Consumer Opt-Out 701 Experian Parkway Allen, TX TransUnion Name Removal Option P.O. Box 505 Woodlyn, PA Direct Marketers/Telemarketing: The Federal Government has created the National Do Not Call Registry the free, easy way to reduce the telemarketing calls you get at home. To register, or to get information, visit or call from the phone you want to register. You will receive fewer telemarketing calls within three months of registering your number. It will stay in the registry for five years or until it is disconnected or you take it off the registry. After five years, you will be able to renew your registration. Mail: The Direct Marketing Association s (DMA) Mail Preference Service lets you opt out of receiving direct mail marketing from many national companies for five years. When you register with this service, your name will be put on a delete file and made available to direct-mail marketers. However, your registration will not stop mailings from organizations that are not registered with the DMA s Mail Preference Service. To register with DMA, send your letter to: Direct Marketing Association Mail Preference Service PO Box 643 Carmel, NY Or register online at The DMA also has an Preference Service to help you reduce unsolicited commercial s. To opt-out of receiving unsolicited commercial , use DMA s online form at Your online request will be effective for one year. Department of Motor Vehicles: The Drivers Privacy Protection Act allows states to distribute personal information only to law enforcement officials, courts, government agencies, private investigators, insurance underwriters and similar businesses but not for direct marketing and other uses. Sample Opt-Out Letter (Send to addresses listed above.) Date To whom it may concern: I request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request: FIRST, MIDDLE & LAST NAME (List all name variations, including Jr., Sr., etc.) CURRENT MAILING ADDRESS PREVIOUS MAILING ADDRESS (Fill in your previous mailing address if you have moved in the last 6 months.) SOCIAL SECURITY NUMBER DATE OF BIRTH Thank you for your prompt handling of my request. Signature If You Have a Complaint The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit or call toll-free, FTC-HELP ( ); TTY: The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Compliments of your Oklahoma UFAA Chapter 15

4 Berkshire s Gieco Drops Lawsuit Over Talking Gecko- Geico Corp., the fourth-largest U.S. auto insurer, dropped a trademark lawsuit against a New York insurer after the latter agreed to stop advertising that made fun of Geico's mascot, a talking gecko. Geico, a unit of billionaire Warren Buffett's Berkshire Hathaway Inc., dismissed the case against Tri-State Consumer Insurance Co. of Jericho, New York, on Tuesday, according to a filing in Manhattan federal court. No damages are being awarded. Geico, based in Chevy Chase, Maryland, had sued Tri-State on April 21. It accused the Long Island insurer of running ads that borrowed the talking gecko, which Geico has used for several years, and confusing consumers into thinking that Geico's gecko was associated with Tri-State. According to the lawsuit, one 60-second radio ad featured a skidding car that struck down the gecko with an "unsavory splat sound." Similar disparaging ads appeared in print publications, the lawsuit said. Richard Hofstetter, a partner at Frankfurt Kurnit Klein & Selz PC who represented Tri-State, said his client was using a permitted form of "comparative advertising." "In the same way you're permitted to use another company's name in an ad, you're permitted to use a trademark," he said in an interview. "Tri-State didn't see anything disparaging in its ad, which was intended to be humorous, not to poke fun." Tri-State had not planned to run the ad for a long period of time, and decided to pull it, Hofstetter said. In a statement, Tri-State President Penny Hart said, "It is time to use a new creative advertising program that shifts attention away from the courthouse." Why the English Language is Hard to Learn- 1) The bandage was wound around the wound. 2) The farm was used to produce produce. 3) The dump was so full that it had to refuse more refuse. 4) We must polish the Polish furniture. 5) He could lead if he would get the lead out. 6) The soldier decided to desert his dessert in the desert. 7) Since there is no time like the present, he thought it was time to present the present. 8) A bass was painted on the head of the bass drum. 9) When shot at, the dove dove into the bushes. 10) I did not object to the object. 11) The insurance was invalid for the invalid. 12) There was a row among the oarsmen about how to row. 13) They were too close to the door to close it. 14) The buck does funny things when the does are present. 15) A seamstress and a sewer fell down into a sewer line. 16) To help with planting, the farmer taught his sow to sow. 17) The wind was too strong to wind the sail. 18) After a number of injections my jaw got number. 19) Upon seeing the tear in the painting I shed a tear. 20) I had to subject the subject to a series of tests. 21) How can I intimate this to my most intimate friend. Show our sponsors you appreciate them by supporting them every chance you get.

5 Were You Nailed for a Data Line Charge in April? I have a System 36. What does this conversion mean to me? Just like the AS/400 and its related network data line, your network data line will need to be disconnected. Therefore, you will need to convert your entire office to a Web-based operation with PCs and a high-speed Internet connection by March 31, Source: Farmers AS400 eagent Q&A conversion and completion date (dated ) Farmers made it absolutely clear to nearly everyone that your System 36 or AS400 data line would cease to exist on March 31, Farmers started advising is agents as early as March 08, 2005, over a year in advance. Agents began to convert and wean themselves from the old green screen system throughout 2005 and into But many agents kept the green screen access up to the last day of March 31st. Well, maybe Farmers did not make it clear to everyone, especially those AIMS and accounting employees that deduct the $ data line charge from your folio. Yep, leave it to Farmers to plan so early in advance and then screw up and deduct tens of thousands of dollars from agents for the APRIL 2006 data line charge. Did you check your April folio for this line charge?? Did you check your May folio for the credit and the interest? Interest?? You re not that lucky. History of interest: (not $$ interest): For those of you that remember the satellite transmissions to your office computers, you may recall that ceased shortly after the Shuttle Disaster in the mid-eighty's. Due to NASA's moratorium on space flights, no additional satellites were being launched to expand transmission capacity. Thus, satellite communications became limited and much more expensive. So, Farmers contracted with AT&T to provide data line service to the agent offices. Back then, data line charges were based on point to point mileage, say from L.A. to your office. As agents were connected in states East of California the point to point mileage increased as did the pricing. So, it seemed strange then, as well as today that California, Arizona, Nevada, Oregon and other states closer to California should have paid less than, say, agents in Texas, Oklahoma, Missouri and Ohio. When a company manager was questioned on this issue at a `92 Toppers Club Convention, the reply was on the order of -- We charge all agents the same price, knowing that agents in the West cost us less and supplement those in our Eastern territories that cost us more. I still wonder today if that was a FRAUDulent statement. But, I really question why Do Doyou youhave something to tosay? Would you you did the data line price remain the same for all agents like liketo tohave your your voice heard? Let Let us usknow while long distance services Nation-wide decreased what you youare arethinking. Send your your letters to to dramatically over the years???? the theditor to

6 2-year-old Driver Crushes Woman's Leg with Car- A Lanett Alabama woman lost a leg when her 2-year-old niece, left unattended in the car for a quick errand in Opelika, ran the car into her. Police said the child, left in the car with the engine running Friday afternoon, got out of her car seat and put the car in gear, pinning the woman between the bumper and an office building. The woman, Merideth Chadwick Ray, 32, was taken to East Alabama Medical Center. Her leg was amputated above the knee. Due to the extent of her injuries, she was taken to UAB Hospital in Birmingham to undergo therapy. This lady sounds like she was very lucky, Opelika police Chief Thomas Mangham told the Opelika-Auburn News in a story Tuesday. So many times this type of incident can turn deadly. Farmers has paid many claims caused by infant and adolescent drivers left unattended in vehicles. Not only have children suffocated in high heat situations but some have turned drivers running over pedestrians, gas pumps, careened into buildings and the list goes on causing huge damages and injuries. Please remind your clients with small children the problems with unattended children left in vehicles. A service reminder from your Eastern Oklahoma UFAA Chapter. Allstate Drops Its Earthquake Endorsement Countrywide- Allstate Corp. is halting sales of earthquake endorsements on its policies nationwide, a company spokesman confirmed. Regulators have allowed Allstate to no longer offer the optional coverage on its homeowners or commercial policies, said spokesman Mike Siemienas. "It's another step we're taking because the current insurance model is insufficient in handling low-frequency, high-severity mega-catastrophes," Siemienas said. The move is part of the property/casualty insurer's ongoing effort to limit its exposure to catastrophic risks, an effort that accelerated after Hurricane Katrina. Allstate's net income fell to $1.76 billion in 2005, down from $3.2 billion in This was driven by catastrophe losses, including a $3.68 billion pretax loss from Katrina and an $850 million pretax loss from Hurricane Rita, both in the third quarter of Earlier, Allstate began limiting its writing of new homeowners policies in coastal areas of Texas and began non-renewing policies in coastal areas of New York. Allstate also has entered new agreements to supplement its existing reinsurance program for its nationwide personal-lines property and automobile insurance business. The new nationwide catastrophe aggregate excess reinsurance agreement will provide $2 billion of coverage in excess of $2 billion in retained losses from storms named or numbered by the U.S. National Weather Service, earthquakes and fire following earthquakes. The agreement is effective June 1, 2006, for one year.

7 Laugh of the Day- If you've lived in Oklahoma for at least one tornado season and watched any of Channel 6 (CBS), you'll understand this. We all know we're going to have to endure it, might as well have some fun! Enjoy everyone! Channel 6 local weatherman Jim Giles Drinking Game Pregame 1. Everyone selects a storm chaser other than Von Caster. Every time Jim talks to your storm chaser, you take one drink. Take two drinks every time we see footage from your storm chaser. Take four drinks if your storm chaser says "tornado on the ground." 2. Everyone selects a county other than Osage County. Every time Jim mentions your county, you take one drink. Take two drinks every time we see footage from your county. Take four drinks if a tornado touches down in your county. Let the game begin - One drink 1. Take one drink every time Jim says the following: "Hook echo" "Funnel" "Rotation" "Doppler radar" "Wall cloud" "Sky6" "Underground" "Mobile home" 2. When Jim gives a list of counties, take one drink for every county in the list. 3. Take one drink every time Jim interrupts a program. Take one drink if Jim says "You're not missing any of [program name]." Take one drink when Jim says "We'll keep you advised." Two drinks 1. Take two drinks every time Jim says the following: "Baseball-sized hail" "tornado precautions" "straight line winds" "violent storm" 2. Take two drinks every time Jim mentions the following towns: Bristow Jay Muskogee Eufaula Cleveland Pawhuska Sapulpa Pawnee Coweta Ft. Smith Stillwater Beggs Poteau Chanute 3. Take two drinks every time Jim talks to Von Caster. Three drinks 1. Take three drinks if we see footage from Von Caster. 2. Take three drinks if we see footage from Osage County. 3. Take three drinks if Jim mentions the following: "Immediate tornado precautions" "National Weather Service" "Warn Live Radar" "RFD (rear flank downdraft)" "Take shelter" "Tornado warning in effect until..." Four drinks 1. Take four drinks if SkyNews6 must land to refuel. 2. Take four drinks if Jim issues his own tornado warning, not recognized by the National Weather Service. 3. Take four drinks if a shirt-less tornado victim is interviewed. Finish your drink 1. Finish your drink if someone uses the word tornado as a verb or if Jim mentions the nearest cross streets to you. 2. If Jim says "We've lost Von," pour a little out for your homies and finish your drink. Tip of the Month- Here is a neat website for those that would like to check your internet speed over dial up, or high speed internet connection. Watch the frogs eyes when moving the mouse. The response is fast and you are advised of both download and upload speeds.

8 Garamendi Seeks Probe of Alleged Insurance Industry Threat- Insurance Commissioner John Garamendi asked state and federal officials Tuesday to investigate what he called a "blackmail" attempt aimed at delaying new auto insurance regulations. Garamendi, who is in a three-way race for the Democratic nomination for lieutenant governor, said the insurance industry offered to drop a $2.4 million political advertising campaign if he agreed to delay auto insurance regulations opposed by the industry. Industry officials strongly denied the allegation. Garamendi held news conferences Tuesday in San Diego and Los Angeles and said he sent a letter to the FBI, the U.S. Attorney's Office and the state Attorney General's Office, asking they investigate the matter. "I am writing to request that you investigate an extremely disturbing threat that was made to me by representatives of the insurance agency," Garamendi wrote in the letter. Garamendi wrote he learned of the offer April 24 through an intermediary for the insurance industry, Los Angeles-based attorney Darry Sragow. "As I told Mr. Sragow, I will not give in to extortion under any circumstances," Garamendi wrote. "I also advised him that the revised version of the regulations was scheduled to be issued in the next day or so, and that schedule would not change." The final regulations are scheduled to be implemented in June, Garamendi said. The industry's television and direct-mail campaign, which got under way yesterday, urges motorists to tell Garamendi to "drop this unfair plan now." It is backed by the state's top auto insurers: State Farm Mutual Insurance Corp., Allstate Corp., Farmers Insurance Group, Safeco Corp. and 21st Century Insurance Group, according to Garamendi. Bill Prevents Young Drivers From Using Cell Phones- Teenagers with learner's permits couldn't use cell phones while driving under a bill passed in the Oklahoma Senate. Author Clark Jolly of Edmond referred to studies showing a high rate of accidents associated with teenagers using cell phones. He says new drivers don't need to take additional risks while making cell phone calls. His bill still would allow teens to use phones equipped with handsfree headsets. The measure now heads to the state House.

9 Prudential to Acquire Allstate s Variable Annuity Business- Prudential Financial Inc. announced that it has signed an agreement to acquire Allstate Financials variable annuity business through a reinsurance transaction. Prudential s initial investment in the business, including total consideration to Allstate, related taxes, and capital requirements, is expected to be approximately $560 million. Over the course of a transition period of up to 24 months from closing, Prudential will assume the administration of Allstate Financials in-force variable annuities, with account values of approximately $16 billion as of Dec. 31, 2005, moving Prudential s position in the advisor-sold variable annuity marketplace from fifth to third as measured by assets under administration and management and from seventh to fourth as measured by sales. As part of the transaction, Prudential will be granted exclusive distribution rights to sell variable annuity products through Allstate s proprietary distribution force of approximately 13,700 independent contractors and financial professionals. The transaction will also enable Prudential to build and enhance it s relationships with Allstate s non-proprietary channel including a number of major national wirehouses and regional securities firms, the most productive of which is Morgan Stanley with whom Allstate has a 21-year variable annuity sales relationship. Allstate Financial will continue to market variable annuity products through its bank distribution relationships by transitioning to an Allstatebranded, Prudential-designed variable annuity. The acquisition is expected to close in the second quarter of Don t Let the Senate Take Away Our Health Coverage- Do you trust your health insurance company to always look out for your best interests? Probably not. Yet the Senate is poised to vote on a bill that could take away vital health-care protections by allowing insurance companies to ultimately decide what kind of coverage you can get. Under Senate Bill 1955, insurers can bypass existing state health insurance regulations--eliminating minimum requirements in many states that require cervical, colon and prostate cancer screenings be covered. Diabetics could find no help paying for their supplies to manage the disease. And coverage of maternity care and childhood immunizations also could be eliminated. Insurance companies also could jack up premiums for any number of reasons including your age, gender, if you ve been sick, where you live and size of company you work for. Act now! The Senate is expected to vote soon on this measure, which has had little debate. Please urge a no vote on SB 1955, and send this along to others who want to keep our health insurance protections. Important Dates to Remember- 06/07/06 UFAA luncheon at 11:45am., The Green Onion restaurant 4532 E 51 st Tulsa, Ok. All Agents are welcome to attend. 06/18/06 Father s Day 07/04/06 - Happy 4 th of July 07/11/06 07/13/06- UFAA National Convention in Las Vegas.

10 Applicalion for Membership United Farmers Agents Association 9785 Mackenzie #104, St. l ouis, MO Phone: Fax: Mission Statement - The United Farmers Agents Association is a professional association committed to helping our members through education, communications, support. and information, and to establish a true partnership with Farmers Group, Inc. Name: Chapter: Address: Phone: Fax: Agent #: Dues: (Please select one) () $300 annually () $150 semi-annually [) $25 PAC () S50 AssOCiate, Affiliate or Career annually United Farmers Agents Association, Inc. (Selecl one) [ J Enclosed is my check for $ -:-:-.,-;;_ In addition to my dues, I wish to contribute: $ to the Declaratory Relief Action Fund. [ [ Charge to my credit card: ( ) Mastercard ( ) Visa Credit card number: Expiration Date: Signature: The General Objectives of UPM are, 1. To create meaningful ccmrunicatioll bet",-een company and Agent The Specific 5ecurity Objectives of UFM are: 1. A two-way negotiated ccntract. 2 _ For rerkiered services ccntractual c=pensaticrj schedules enco:tpassing full o::mnissicrj of all prem.i- U~. 2. To inprove professicnll status in the COTTTl.J1lity 3. To irtprove o:::npany-client relationship 3. Agent o:.nership of policies arrl. expiraticns. 4. To irrprove Agent-t.o-Agent relat.icnships 4. Tenninat.icrJ for j ust stated-cause ooly. 5. To stand united to accotpl.ish these objectiws 5. En:1ing discriminatial of Agent. or Agent author-.,.. 6. To foster o:x:perati<rl for nutual t::enefit.. bet...een other agent. associaticns. I,, am currently a Farmers Insurance agent and do hereby apply for membership in the United Farmers Agents Association, Inc., and agree to abide by the bylaws and the code of ethics. I further 96\ of j'qur IlVlI!bership dues li'<ly be deductible as an ordinary and necessary b.1siness experue I:Iut are not dedjttibl.e!l!i a dbritallle deda::tlcn. I Authorization to honor checks drawn by the United Farmers Agents Association, Inc. For my benefit and convenience. I hereby request and authorize the United Farmers Agents Association, Inc., to draw a chec k in the amount of $ on or about the 10th day of each month, payable to its own order. This authorization will remain in effect until revoked by me in writing and until they actually receive such notice. (Please include a voided check with this application.) (X)

11 Thoughts- BUZZARD If you put a buzzard in a pen that is 6 feet by 8 feet and is entirely open at the top, the bird, in spite of its ability to fly, will be an absolute prisoner. The reason is that a buzzard always begins a flight from the ground with a run of 10 to 12 feet. Without space to run, as is its habit, it will not even attempt to fly, but will remain a prisoner for life in a small jail with no top. BAT The ordinary bat that flies around at night, a remarkably nimble creature in the air, cannot take off from a level place. If it is placed on the floor or flat ground, all it can do shuffle about helplessly and, no doubt, painfully, until it reaches some slight elevation from which it can throw itself into the air. Then, at once, it takes off like a flash. is BUMBLEBEE A bumblebee, if dropped into an open tumbler, will be there until it dies, unless it is taken out. It never sees the means of escape at the top, but persists in trying to find some way out through the sides near the bottom. It will seek a way where none exists, until it completely destroys itself. PEOPLE In many ways, there are lots of people like the buzzard, the bat, and the bumblebee. They are struggling about with all their problems and frustrations, not ever realizing that all they have to do is look up. Michael Ward President UFAA Chapter 15 If you wish to be excluded from future mailings please let us know by ing us at Disclaimer - The Oklahoma voice is published twelve times per year for the United Farmers Agents Association, Chapter 15 Northeastern Oklahoma. The United Farmers Agents Association and the editor neither assumes any responsibility for the accuracy of the articles or advertisers, nor any liability arisin g from reliance upon them. The Oklahoma Voice expresses it s appreciation to the many members who assist in and support it s publication,. Opinions in the Oklahoma voice do not necessarily express the views of any single member or Chapter officer. Products and services advertised are not endorsed by this Chapter or United Farmers Agents Association, Inc. Complaints or inquiries should be forwarded directly to the advertiser. All purchases are at the complete discretion of the consumer.

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