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