ACKNOWLEDGMENTS

Many people have provided support and encouragement as I have worked on this revision. First, of course, are the members of my family, including my husband, children, mother, and siblings. I am particularly grateful for their patience. Thanks also to Emily Rosenberger, who maintained our household, took messages, and handled administrative details while I was preoccupied.

As a book progresses through successive editions, the number of persons to whom an author is indebted increases geometrically, since the efforts of so many people become a part of the work. Over the years, my father recognized many people for their efforts, and I continue that appreciation. Our teachers, reviewers, and users have helped shape our thoughts and the book. Although much has changed over the years, colleagues and students who provided comments on earlier editions continue to influence it. As a result, there are many to whom special thanks are due. They include our former colleague and my teacher, Professor Michael Murray, who shared his insights with us over the years and whose influence has been significant. They also include my colleague, Professor Robert Cooper, who has generously provided his support and guidance over the years. The reviewers of the first nine editions, whose contributions to those editions helped to shape this one as well, were Tom Auippa, Richard C. Allgood, Garth H. Allen, Albert L. Auxier, W. Oscar Cooper, Robert W. Cooper, Richard Corbett, Darlene Dicco, Bill Feldhaus, Roger A. Formisano, John W. Hanye, Kenneth J. Krepas, E. J. Leverett, Aaron Lieberman, Jim Milanese, Joseph R. Morrin, Robert J. Myers, John J. O’Connell, Mike Thorne, S. Travis Pritchett, Dede Paul, Gary K. Stone, and Robert Witt.

As in previous editions, I want to give special thanks to Mandell S. Winter, Jr. and to Michael Snowdon of the College for Financial Planning, for their assistance in reviewing several editions. Their suggestions and insights helped to clarify many concepts and to avoid errors that would otherwise have marred the book. Mr. Winter’s contributions to the seventh and eighth editions and Mr. Snowden’s assistance in the ninth editions went far beyond those of a reviewer.

I also offer special thanks to a number of my father’s former graduate teachings assistants, who taught the basic insurance course at the University of Iowa and offered many suggestions over the years. They are Lois Anderson, Phillip Brooks, Robb Fick, Tim Hamann, Terry Leap, Lacy McNeill, Joseph Panici, Mark Power, Lori Rider, Roger Stech, Ellen Steele, Mike Steele, Patrick Steele, Art Cox, Robert Carney, and Changsu Ouh. Their suggestions contributed significantlytothe earlier editions, andtheir influence carries through to this edition.

Thank you also to the folks at John Wiley and Sons, who were so helpful in completing this revision. Barbara Ligouri did an outstanding and thorough job of copyediting, reading the text with a critical eye and making several suggestions that improved the end result. Shelley Creager and Sarah Vernon provided invaluable assistance, responding quickly to numerous requests for information and other help. Finally, thank you to all of the students we have had over the years. Their many comments and intelligent questions contributed to the design of the book and to the examples and illustrations used. Thank you also to all of the users of the first nine editions who took time to write with their suggestions and comments.

I would be grateful to receive advice from the teachers who will use this book, particularly concerning any errors that should be corrected and any materials should be added or omitted when it is again revised. To the students who will be compelled to read it, I extend the hope that the material will seem as exciting and interesting as it has seemed to both of its authors.

Therese M. Vaughan 

Des Moines, Iowa 

September 2007