Tan thank you    I also request that I be given permission to return the article to the annonomousItalic text post which refernced the patent origianlly as it was two months ago and allowed  Those observing will not note that I am ihe inventor It will be done annonomous That not intended to be promotion Simply good refernce and citation  The insurance industry is apposed to patents and there are many executives who believe it should be open forum programing and business method patents are not unique valid inventions  The USPTO thinks otherwise  My patent was approved by the USPTO  One of the few business method patents approved for insurance  I look forwared to your response Thanks again  Dale Menendez