ࡱ> @ :bjbjFF  ,,S       $0 PH d 0% p d~ $%%%%%%$I&R(\$% \`$%   h9%xxx"   $x$xx   V$ x  .#L$O%0% $L("4(V$00    ( V$2rx\$%$%00d dV"00 LIFE INSURANCE NEEDS The potential earning power of a wage earner is one of the greatest assets of a family. The main objective of life insurance is to protect the insureds family and creditors against financial loss due to the death of the insured. With two income families, the analysis is just as significant for each spouse, even though one may have higher current earnings. Determining the best policy starts with an analysis of specific needs. Such needs vary, of course, from family to family, but the following categories normally apply: Final lump sum expenses, funeral and debt repayment Income for the family until children are self-supporting Life income for the surviving spouse Special needs, such as education and business situations Retirement income needs Once the needs are identified and measured, the next step is to determine other sources of capital, income or benefits available. The difference between the familys needs and the money available from other sources represent the amount of life insurance, which is needed. After the amount of the life insurance need has been determined, we can evaluate what type of policy best suits your current financial situation. Your cash flow, other investments and savings pattern will be factors in making this decision. Permanent life insurance builds cash values that will grow even if the insured is disabled. Term life insurance offers the maximum amount of protection for the lowest initial outlay. If term insurance is indicated for all or part of the protection, it is very important to consider the conversion options should you wish to change the policy at a later date. Closely examine the scheduled premium increases or benefit reductions as they vary considerably between life insurance companies. A family's current and future tax structure should also be considered when evaluating different forms of life insurance. For example, variable universal life has some very attractive tax benefits, but they would be unusable to a retiree who had not been able to substantially fund the policy or who was in a very low income tax bracket. Page  PAGE 2  DATE \@ "MMMM d, yyyy" February 10, 2005  Founders Group Report  DATE \@ "MMMM d, yyyy" February 10, 2005 For advice on this topic or other areas of your financial life, contact me at:  HYPERLINK "mailto:pferraresi@foundersgroupinc.net" pferraresi@foundersgroupinc.net * (713) 871-5919 Founders Group, Inc * 4635 Southwest Freeway, Suite 162 Houston, TX 77027 * Fax (713) 425-0346 Page  PAGE 2  DATE \@ "MMMM d, yyyy" February 10, 2005 OPQSYZ`abcdef,waWh& OCJ^JaJ+h>+h& O56B*CJ4OJQJaJ4phjh& OU+h_7h& O56B*CJ4OJQJaJ4ph)h& O6B*CJOJQJmHnHphu'jh& O6B*CJOJQJUphh& O6B*CJOJQJphh& O0JmHnHujh& O0JU h& O0JhQJt5B*ph h_75h_7h& O~  ' ( \     PQRSgdQJtgd_7 & F#gd& Ogd& Ogd& OS9ST,789:gdQJt$ !$ $&dPa$gd_7 !$ $&dPgdh$a$gd t$ !$ $&dPa$gd1,-abc  #$ʽʽﲮtdPdP'jh& O6B*CJOJQJUphh& O6B*CJOJQJphh& O0JmHnHujh& O0JU h& O0Jh& O0JCJOJQJaJ hhh& O0JCJOJQJaJh& Oh th& OCJaJh}h& OCJ^JaJh& OCJ^JaJh0uh& O0JCJjh0uh& OCJU h& OCJjh& OCJU$5679:hQJt5B*phh& O+h_7h& O56B*CJ4OJQJaJ4ph'jh& O6B*CJOJQJUph)h& O6B*CJOJQJmHnHphuq 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p:$/ =!"#`$%t 0 0&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p Q/ =!"#`$%Dd4   c hA. Paul's picS`TS`T"`bEڥ`M6~ DVnEڥ`M6~ PNG  IHDRksRGB>IDATx^$ywaN܀\"  D&EѴl+6_$c"AHK6ؖ%4%,Xt9gϭ;3;A语[]]u| Ov?u+vt< o xyk~p`rm0ͦt{z[o l9ez~rf G|;hx0`>|}d nDy׉cZ=<:f_u}ݮ{|zӉz.ywONcWvu?-n1Sc̬Lqhl}RrR;!(xX{}}&uZn1v}v;h{@yʂG}S^c@kwd(1y]vZ:BѪe2u2zygs"1v!P!go4ܩc~3Nfns=s;}6N~drfK/qѺ >pء{<s/ ^W]J,8ǖ'kDu.euvtmf2neg>v7u{#b[[B x?-_|$Ky,`v s֯bAFΌ8wϩdpzgs~}L0I;<>_1B:N'āΠ{t}B!-e(F>~g?&'McHKMW FOB_1`|Ja=blь bvUpC2q}7}Qp] 0rlxL`LB|{`aUU֢G`Wh[zGuڹ2s'|Ga=cS8 [>_3x;"׋V0\rUE@O>{~O<!?wcqlNs18c1<R8W|D"0(:&\SNjdqu?nq&0Ԍ8!fū==P0Pp~(/ 2?O3 wF-p:FRjJ$k4Z? ow8'n L( EtD0rl66n/ \Зwu:=;\ӺiF/U~MCtuȊ頑 Rbl̟L%$B~tQ7I.5}kIY" !4=rʈ {dvq@/8hՐrz!tg_/x@dDvɔ7D#?wAoS7ݎD Ѫ?b 7~)7;z][/Mo6q#~uB9F-쭼e$7 &=e7&-P M 4pF$˅獄M#$`'}QQG#@m40n  Z'U!Z ܇j[0 vQ*D 0| o!!@,j91\>$1j)&w3@ :AA~[H- 5j {3 S!Äf`#w5i$z(T6'v$JUJ:ft^(՝HYƣL*ֆ>NtoAMD:3xh+Ξmm?&u "C6IcIƸMynLѷ&$H_U0 ^u !t:vP:5*`ܟ ::+OF1<^Ԛf)$|AĪbf6jM(`93ǎO%cgЩ?ƂD"vd\Y__ B1nccBsb)[Pٮ4t, < U- nқֵU,Tf aP #^ 1'J pa}ClLF h!>b"R"P)F"@ksd,0Ou7V\w3Ntf2ĜA6GυBzJB"]| sH(M&C~G@h ^TjHf;Cry3̯SNYi^9y$}:qLbIn<:fF"a.'G1 a5uB/&o9# b":R*X(l^mTJT ,KjzDꞹTz"tax l l5W~t:ÝO8qҥg&33xbwwInTkN2T*6*} l? |U$7&)2YLEpI*8@va]y xo?8~wz͛}f Sl6=ϐh@[#/m1/yvC`,bE\6$qw`F 45 Oz &yLiPLF`M{{K֔k|g}Ony NuV^.䷃n$ `0p> P.A8 \rpvUǰ1`}DV*'_:[]r @ #g-bzR&0E^]UJJhX<6}*9?88H]_szؚM([{a~ 3D&k|%nO0 u#K&]7Ah1Y?CgH`{D_7RZ,9W)=FҬƓɇy=} _LdP*p+W2eǎUQc ŌG3p2NbȼW*eT^A* (I2'RD|0/ZVjRwT, %zh[TK^pd$6={po"S*̰.5D;95$II?ȠQwR7>7+ˡR-<8hhY@A1p1a4 ڵ,S4ꫯ*3lú^ye9F+N7Gx2',-=UkLq S lD*y=í8'zU6;,n烽ݸqp8(+myq?#TBR^V=ǃKH/y;͡\#6-CSXW~`~0]?CGg'8`7Tp)._zۛ˫T+ϊ `I h A0[ZsClnq3p5>D @ŢS&`ZMBJ C^\?c &I Ur8lhb[ca$dp_<^r=ɅII`7 Q7A 8 Qp$ŋb~c[m.GO\X3Y/,ɀ(QZPI@GL0٩{;vf"ɼ3< kB&V5gP'DEJ =KH(H+N@pQ(, 8F8w! aB %LU#0;c'9.Rz;d[*(&!j$PLPߒB)PPXϿp?PB,d:lTXaV҆fY͢CP&<l]"~ @/(&tIh-Qsu'{uS{nuL0DxhGjX&$97JPYpPk?x'nE@XZ( ЪEj3h違%H'2ǀ.SA(\>y\rI xԄL({*5}R nfjl"WG".:yVHq;[@e*yʌ:U \*EdBjfa!sb!՘>B"ʤv f7.8y􇚝~oV%!xOg@l[7pM4`$c'nbN;bRgn6„׋g_ioFQTB@~h8 rGD5 :3"8s^jI'pl:3=55H| wPH܊Z`,@³ /G@~D A{B *F٬6jentY:;x#lYNrة'Nuڇ}, X[{~3q  H_5CAH.bsQG^.k`ToEPJ-jXz{ v+@қz[] CEy c2uQjh7ţñj47qr] {)2)AbbvWh;KvK`S,f5LGQ-t@r"[:< 'D9&sl<"hIXO&%'0PyiD Ւw ^  wLuB6"%_BdDb T4F槲\Hęh8!òAc zݎ0dW &S?Ī \$F ؠJ 1/&&p u4jDW $U ;Y0`yL>VNˠK_SfX4wȴFG&oE)c7,1sS???43Yۼ4 8onjQ#ə5Qq|Hl.fpB :QD<ެYCrLDv,^M$Rpd&;I "D2Pe>J{%BqabX:f%w#Ț57@8e d]u?Qxȝ_CYl7c!g2wKkWl!ɂֈXl-Aplly"ܩfc˄n+nw[^Y.D C zzx+}\80%j:pgwiqHA :ىd61^ej;@F 2uBj7ͺd;I\cG qPg:PP` gkvIh&fS.^D3sk܏ v. Ytn6k,,J{*$0D00~fpt~fT*=::6h$p[Ȳ xO'L=#OPØCk}@%hӀlxT';^Veok1ݹ\\jO5X7-/K2d&Oh8(/ӅQ= tJ+AkBq%pRT2Q t#0-!&zzZag{eot0toNϤvb0!(#A:ɂhBS?.M VvPj#I{#29⁸9( ҅259H6wM ֛5 ESS-bn2Vܴ~ZeD?}fDB/' 2XS@< "%J 9yxըHq^4 #:d=YOѥNL#!BJ6*9IBB{EiD"BϬ g; pI$n:i2HZ|5JXR*r& ^SYB#Ľ!O&Lr!VJnwZA`׋j2$JPLN w@c.8[E贮n(k0(4[H/;݆.d̰H@1͍._Ò%!˻|g%LMdgfГQ+)4"Zj;yQBh9fS1e'0"]ccz`l 􆊅ʢ^`8ǣat9Q רo@5~LQli+X|rK"EcJ2h wKkV $M9X4S cBZ|a®9fS,HQ LG26ze*_ %(>kZ‰OҎ@h--t(Vf@EHH4_eoMO 0r*+)$W.<~]&~9B7bIx܋c=CSo[u)>nA/OfLmT\H( Z/MY"puK"N 7[R;]2_ %t"&r6׮("A$D%d"G#M$$DEX BWZ9B8pxp}o3$&&z/|TBsoRwXhhD=9 [Z<QqΘL%gp$0%_^D\m# Gggt}sE€.|K!&# f`dqK>Ho4?0  5}=zD&*c7w@JN&5 4/jc T"ԝc!~ rBD}rS|3@R[i W0pv!-1LtK + $9tr׳ NaL dNK.b~běbuzr`^h]QS.E,i`sW*ph1$%]@i+K Gh0RT%IObALU TtHݭVn+B>0\Sρh0iԉ70)YVF ܘf~c%nPF; ?eQ ]eH ] oS/+qvۜ|# =FLxDxGQ!16\'&SmRꫭ6`P *qmlun g)Y; o9 {V LqI,c"&#^3l"&TkEDZirO%KpS?חT)cuSP?^rTFP x:<"cS.ӡY*f0rg5G`Z`V6̣-DKJ'z).SɎUE֑tUR2'Eg(vsOʻl6q쯈iQG۩;> M HNOyG K" 5eKJ&;-Aؔxu|׉hԺ.mE>t \Gc|rgmBjS 5Zmp"[0 ;vmeJ|S &cr"GK;[kr!(!T µ,3cvE!&=3:~˯D$%? DC"F dn$wUfJ3ƖeUEhh/CoIOP6/@T<[d̜JBl0'x s8Ěq϶غ'Hv:3{6y2K8N5$dX+e6ev݁} L dQN]L7;ˢ-(,p %J'-E aGQ xMHJ\ {/q.\$ cIUU!lP~G˰'"Ԅij%Tw:A D*vSt&^bpYw0Z4pF;]Ŋ4,UeŨxwd.ZK<FE"d,LJ ZzĠScP)jYO0%Ÿ$?fh>܁EDp>!&TiZX07:dtS4uLi =0ao5YRt#?·ӯuҾHtrjRhd {,1XFn t-(6*ʼw:'Cp!̋ұq |\7Ww7_b lDa-8zB;;[ FdP)4lp0,Jz;Ab{s=mn` 5X)xZ~2oÔHCU!3Y 'yf'ޚbj<V36! e2$J+SOa(F~N*2ҫA%n#*Si\}H(\·2g]'CE\ab`vu?ImwQo5#^Ѓ,bANJ^|%AQH39<6٠x72f+BzXH3F^b!Vj:3ʟt%ZQBaK.7[M7_}QHXZ(x!Ft8y T>H!C^XRz2qxp^e%H̹ƨGp\Yh\ + 9uHc\"O9w`(^$Y~ w xo/cTŚD*Iv%Jũ B& e!zn ,v?TqBPM8#h Ɋ'&됔8'ibLoB),(g_0T&EdxKP<7*ɳxEˆ_O! *!2BI jY@|} ؄W5/ZŊN` Q$h.!n)B1 }Q Obn$2=ܵ M|x;vjmE* G 0(XEp~P:m5N*6g (RJaC2=x*`%ubxV"nr{a{'& Ao%a\G׹7h^ D00d?IZ %v? h.%S3QIt-+rh;n ;CXNSi<ё)1Q #bHȢ !99g Y Ȗa?Dx$D80FB {( 'e,P0EM,JR D6yWj\tby3_vJ:WJ \4QK0fV[ 3T9VtQKݨ#HF-ia-9@FNμ @V$>'ګ,t*Ckm ,'$P/jہfƏT\77ĩCxc"Bb@8HEAIҁ6[AQd +bJ;dcr U_ lLO+d(@e8{d zdABGA@4)3 JTP"4űry'j <c9<4Wt|lcOքyzm*SkH-t yhH}h6)qꜢ ԛh|;Aqe&&j .(RDk "z D*:y(:PcSNYPrCLUVd"ău\'^LMPP&Qn$ A.(hZ c*{hq:K,|m? 2 $#f>e<7HPKd‰ś3\\\|u$uD zg#SV5ubsr+*p$@s-i^d,Yhw(L vNg(u+*U QgnCADv rKX)1yD?҃sHIR4 6bQnҊUV(N!Uos#f=gD\DrWj(wd^F3nsiqȡE Djͻ ú+:<id橪K h l7J'YaB8LX=%_f.͐Naʰ&c&@SX"&AYFLM81m ca_^Jjo"!Ku+w=._=sV>O/^BH%RQjE$bߝPv_>fdiNH1;dJG`D(!h;Q̎Ʌ&,u  JzE̗L! %pKՎ̊ זLtTXsSj;J1OFP "𡉙V"٤yI*5#Sܛ`}oT%7ݦsmeIH31`X~HSpz[//_^QiR< <cț=ḳC^zv}7_߸(D Lأ8m zߑ[,9GO/[P+Ԍh4M|w}63!ja"s`c0.aOZ-*qƑE&6LI.OwH2Tmri#hq`R} d&ҁdD;'O (>pb] &SL HiiХVH eKOCaʾ%jP,Fs*uE@iv#5PfcL4S Lb6 럇BV4K2C0wLR  hȻKj-JյUTG9~ɒGynasRid,-za0X#ԭj$" %.n>Ht=rEz운n`Ate6bV:'a_AAFLFTsXj>{cKdI-?+>>livw}:(m 犯\zy}j ' NS ń2όSi% )vFt1I?UP0GN)}1.@hv U%\ELv>7=/^_]ϗk7-LOMQ\S Z8C4bi; W>:-1kg 5;|KBvX;\&-mn4K9d쀧 ;^*⟜ &УTb뫛;[uhf%7C xR')O$YQ$RbA nt}o s>|"Y^J 7 lmmw4' kY+t!wI|m_Cb8`%С2M{"#3i]Jiە YSj.]YۦD~x~GlϾ}ϵΜ{_3ool "JBАFS@*r"2rHGqM819AV{˗Vfv?/VtO= ec3FYFH=Bˍϴ751 iúZJāMoȨ:pTXvig}0r)q!䲳ɖXr#= X[,΍[_So[qHr'ݱ#ň'GR!gJ 0Vzw2Q*nʸXͭݝ;T;D&rqu%45Qw>7Ӌ}o\^^<~/_sRp6:6A(qH .YiS۱ƈip:pϡj6ߓwo\}_hD`*ɨhԳiS@ZI Ld$8 SIJ܊n,rY4ӋNǨ_.6WڥȠ ; X=0?IZ9};l&8W3 U_ &)fE /CB- 'Modi,f]affHKV}kkk LD#i"5o\]Ug^}w?'=zۨPųoѫM ST[&vd砳#$J7l/8n" _87^y#6j>v`a{svzjz"`ZjçZ Gh,ɢ2H6d3]z! Tt2 = PNX \'wZ=Zq YŴ=ڷ-?+:7,=ٴٽz Nk7܂6Q$X{6X T,vxazҹ˥ւ\/%]:r+B%vOsj(Iғ D_HT n n4 @Js3s UAz _,iϨ=e='^QKnaփH|O$}0A[R$єԊxƶ6tkš~=D\[]vP;fQd/]v}:,)x"GI w~k?Iu$(B'S*OĽt kv_~Bep2ȌӘk41mHRDb;HHX|zs{T? b$Q7moу25$"'q@,2O< (;L[Rފv'ibKX70S`* J/D~S7AL؈v*DL#ӻM(ĹX#L*Ч(aHF-plM4[#/L|Vl2@jB~ J }$$q #_u,_v4JUudJrns"OI^Ը1e(ښӄh#Sۦ9lguc/$IMѩ[*TtM@N6$pAևQLװnNÅj $>L0-^I~$RUDA%o"D5.f3isӸ4~Le E[t%?t;KqLz{⭶zn]-iX~P~|@UɣJVQ|! aJf#Fo Fc9%f,D(dX4pC>A:{Z~]ZG!Jԧc"e\օI#1kfׯvөHث$Ha ֣9Xä:qC.S%0)NC`fzO͸0K$Sd514z4q=rsfRt4Y'\x/ C+y[KY=Tݡ9 EEQ'N1b&bEf֘GN:{\J颂ӬQ,Ō-i&&!` _f^`,^QppkVOO>ť=4PnrL&NM`^X.DRgm@E|`zjh1X .h $AWBlQ%Ny8V4iO* ' m/a,pnWZ:6 بọ4kN8|0;EX{R<1\/HȮmijô*"Q e$I%a,URj0,`x;6Lf٩t6'_G' O0p5vNQJ_Pn)邘}Q\: tYGf uh$co}Y}1N*5DA4G '>)<1{MUTr JCA rAUL λLOInitL$AqvCoX 1*&yJ\lTZ`YI`|P_( d Nai " bI<NQH?? 1($,9;L0! WG3~B4&P3ִW-"l[j6p"'51(v` >qu>YrUjY1Zy#[Sk6N)) Q>4r^Q5G7M3!kޣ^skbP5,B`S#F0nK50Lfx́f#STƭ4TqTǠSagIoh لY2QG>S,d Dըsٻqq?V`w_j3&;(n5O3juY̊L zLDj>=UE&ʫ(t-)"q^FF%dE G0Iq"/M%PO0CD=1DX~%& 5,pn rKX%Uc%Zjvi CXN R@g{Lhࠫ}.K7妸 M\{1(i:CnǦf!T%J%%T U4Z:!I4sHA5K:vaj H$3bP MF-~5%$؈\k#.+I_eˈ7v鄪̢Dj,aQ`3v$YE>I 14&)U7amw$3YhgsPH45I%laU>4*XJe!Hgℙ/5r8 4:8v ȐWE|:" RP]/ՕRKxGW;K,i)vO4aY(|K3ĕ PS0I1ƒ,5>^ '7@rE_ZsPE!iXRKeKҕ O҄7nuM;vlϼ8iWfG+Oj"!Fluҕï$sq.lmKPX2jIJu<?%⥓,Aa--u&B&E4%iS )JY8J|o&ɄLcTCm?T IAaR}s7E1 tu$Cnb7j&P] T0I :'!pаLD-CG^O!\_8f@Y^@)o+kTv{[ cgHAHmGfE!-!$X=LMb*Nȯ\E &< 6 mq#lm+e*dKL;S iG0%zG.@o㡪1>R=Zuj:ޞTtIbxx0:@6tǒri?#٧H\MT96Q2H;U&xN2kh]Q"t$9 '<ٖvˡ'u%}-/$fa # zܕ@>bMR^MMs,3\1褻鋡Vʼnz[%ȹ&,#m/ ۡ, !;Mj[$8{"bM8+#`k~$.h+PƄmIأSFeyI- Y &t1f!t(Ա(nY35$}n"<ҨNk0O,(y7џQӢBH-)|͐*NG{nIzZBN wjհDBG( #?^,0D{9#eJ(F1o@Vq& ZUEqa ؕE0qB$YH KU!([!Y*+%.%wʔۓHPz$ 1`dR ,ky?qܴvG(2OD0c%(~]I7<~uM=}L#R@:d^UM^-:,Uz- BoҬL9$[IP \D!ᥭ=L3r6 ♎r [mfX@Gbrd,ta_*'Q#!=h,NOB x( LkX/=nZ$\6wD, z'3VeJhjk1b,QEہdA$%PF752)~->Q,4@%Bf%7VVohȌ(R!G0eb!@303Ĵez+2:C7I: SpE1h?s`Qswv1`~0jHRQW#ا!b Y:3)h R l2߰"N:Dp!됬2ɔ̦jؤX,0j>~vSF\> vZF/-XD1H$c έոuJ=)WΌΏ=iABXnz|C$( I*fޝ&>]iEO2T|v1j&]jFʡ/"1R$L tsem?_-ef)'~ qC`RXBT&Y0$NWvx9Qmdzv%П{J@Ȼ Cc`C͝#ʜE\Cbv0$ "@#J }҅[^r==C2!65 ,a5WrBj`XTT7D[,If5ژJJ=L;0N أX5$w1I(̨}s fSFk:dPy4K=6DFR@(¥FE'2@vN-wk\%0B) P/3DM6=މ +C Q.Q!yZ/\`Le1F&K ֑Ԥ82(9Kƺ$I~% D! bҧ!fnX-mCXOPl#Q I͂R2TB6.T ]JTS3U/t>CVV[$30#%i2baBG> qF~j 5h\q*İd{ i{fRϘrVХ몔UAWB'[LЃ&%n\8n (X.BZz%堆R #\TS;sDN| W s_ן} @AH`368"# 4Bɜ?{5It_nV$-$s-NyF۰!7QIWns=PNLlV!cdK,ӄ,@DPn<#C[[wjr+zph˜-;,FZ@-H.X+/\O/LL'aIKY~2VGck#÷g.)7&yRa@)0x)Ѡf#fkkZoyC8 ȜHMba~h2nBjp/4 ,sר(L uM"eo:Z"\#aQ9Fh!5k%Sfۑp=!TR:2T<ϡr*YP0$բTj>TЧ5zI;EB~H NcWHN>+Xvˉ62@jceSvzxh{KQ-(jalCG>֭7}_޸zT:457 ӏAԃ(D2K'NZXjUjh1=Q\c$6!:XQNQ0T]ܬSM,&L0&1Q̋FF!Ë*nC n.8;t1 I1%R,IC)RL5+5E_BҤgHci >xHFU$ tvoii~y X`]3n:ޚUVaAGԃe rR.D x2Vf8ㇸ. 23ɹEvuJ^X@g(gF)#<7z-24V'l6(JEܫXApD!Sh;jnbzTwU=q~(rkྞmox2/9[љ6 &]/ZQ$h0d(!5`%|]h\dxᩩ3Kgr.2AL[٥a& MpG Cz)sQ]8rccT!gGIzĀI;ytF'vH-F4hmĨv䆓$I&D`8drTCj$Y8Lv5&X-bϨ8.g)Y-F:ʤ8`bʸ_&jBt:9HlQЏJ2D5#ߋ᜙1PS.p,J|vv{ŋ\MLO;1sp2vF`?W>)̣$M͹vӫ@qXh%@'\/W|l[ Q:7W?[rj5HϤÛ0`"/jJYW?٦)xpR `"H0:q &Oxf1 `釱U\XY}7?]HHw}KGB,[Tཬ\آ6¢=I|2H߾m [z'Gf5j*'ߪ+5|B 7K/le;x=Rś("aj PrƤUc[T{Ս*BjqQW?p:zfV._]7[Ej*WD4 ƎCTl;]BjPl勻]4Gr)O9g;`tmmTkQ.3VJćG=p0QC. !Fk@jb铡CkMl2) Ю8l"J<ZP"Pׯ"S'I$i4Sn{dЕJ6.]& ̀vE7MA23`olݠ+=Az>&=Ԛ L";&MN&'zknF2.]n[)Tvr͝Vqck3;%OFb>/5'UN-.ӧ?ypn6 SpHy=pf+,U2F>QRM!'5kI0L{ ץ*L{uݗJX;MIOZ E,4!*>!N)N?>qF3L,-&RL*xI%=KDx Oɵ9<8;S`T5 !s<Ce(+[Sjgt Jp+|#ANXtbt)v# -ןbٷYQk?r:!"6NiJY3YmbR.#b$jpD)hbL9R^V Y9-Z4ғJQ Nhb=z^5ժPx)7HԈEN; P<(MZݵk4>~Csv<8qⴟ G8sl|*)=R8mjK6}x:ϊ%"1#= l%C{ ӔbM-saBU7 qۡ$)hH*H-Hrgҁ!4solj,w®2yVYb"p<47 1M68J솖80bxlQG |ԉYKeVN#5^{%[*ʄSp!HOh[؝ NjvrmkӃuyaT7%\g~{ꍹh* KɶTzH,s0XgTነP}HMXmAE;UBT?BU3/n!?3+zU-'66/͗ əpz3 1I4 F2 2эI*X I_?m &Wz@jaIa\ڣRٞ1 V3Uv#Du!w~ wiouo]r pn%҃$hHAL-L Ae$F Y, #ELHK]DC e,৆5*BS>]Z~Z@N2:`yœĿ7N1r&oO6)scU= I_A#vSO2ސ{" !sb7=F>I"!V *(F1j ڕOI|3Pl-_(H*AN i*W>| vU]0v,qʖ&L!E)\f֤-4a@L=6$tj$*Eh܈5QPbo2!аXҫ-说{o_]/$^F8/սo139 "@G njNMβ@jNY4f {LAD>`|،7%u?HQ@ o9 &y6~ BOĒ,X*8p KcԔA2Дph6;8H2UP2M'|@)5*:8H?fS /!+b5ᄒ,uZ̆X~oN-2B]h.wZN RNa&Zk]:צSG I̱d6my.,}x=%uTO]/9M@{HA0.ڕXH\jl;:dd,粝dFlp6^I@D2ǧHzBH_J7ғQ>˜lh@ B@׻g@P-"JI C1d),jց@<$\?P8(&_kWWUkQ؞ 5֡ ps[hD3R]3h8.uQ} }JE!_tuIl"mw=fzP2 v١ eSLܗJ,9R~XbRqB΋/2L 0V0 -  5n/'M5nֱtQZn ",gP,/\WkٹK!"o% P^[-LZ־bKIj7x (4fDa_i+yr{AoP4ISh"U ֪nRǬlZ"-Fюm0E]v6R%i 4-'Lg"`FEE$rJk)Jyyj,0u%;'q&`;WGNI3PeC%I&g/=u?CQp1PT= Z:D$P)SGԱPGaAwEW WSK= |73 c_KZ LޥH:Ȗ/IY@j%:v@/3v*=ɑMt?!EEM>&ߪNiW#trC]Tc)0a%l"0(E5)̤6`PkJ*Aq Rav"b(Ի#l|TMPh@OW=܋BWLGe_I3 1w}v÷SɸftK:kOiㅧr_IgzvQz;B3yAd{M"(ؾG .837*]d,R ;j/*ڒ+9kK CE%-ESUFqTp5Ly,}-IG(.Ʉ>%R)++JYJP6%btQ"!2O=K&]Pk6~ȁ(O'zp 96ޭ+7^|+Xұp<Y (K_=$[r N` )=xcn dTl\ Z^$3'?\> ‘7On4*3yHKo(fT@F0-(Xt^sd=:ЈoIR cӌ l'̣Sj##TR[JA-}L[r$TѸL.&a0IKۊh<:!/8x/"509_2F\DUYP#f:YfBѺyTzMoz;ykYOwۺ/p&XLkqTeT/Ap^#ͦ Eq/aئa.?zl'l4"]y+YL֩! IiX2I}-b[ 82r,]t1)mi QC'´k:m0g'mxN~s<υ&f~̲\~3v%+=}onrPZVȸ*:0[5Rhz]̠|t:ok}s/S5[$"u!ta͵sRe3&Dx |K%RDB)n3wȃ>AFTX|XUKٸJVDXL0uޣ7rε"&}%3LT-#]N̮X.KVI+ "`D:>`=)=:]zTX *EI1>"3 \)#4X&d**A _ZS,! w: tfe'Jt'7_zͱtOS[7l"犔!snQghv-Y=n5ݒi+B.JNȓ??r7ŕIJpvz$Z@2m);*G'b#C)պ04e>yj"~TDkuάn;pωHr{3HocH,RAT"YZ={1b^aݓ~K\VnLK:~l}p{KԴ :6$6F+bTz2D60הKtdt&[:p0C;eSF%]j+!Yߥ:FY r #R!ԏP|XdB L26qe_]P<;I /G-=%F1zfQB fly|IΣ, Mnq*f R{1=Ptbdq; Oc{I ioE;sK6)xg@܀Ԡ;+tiCoLBX(}CZ;@8ʍ+~ڍre>yQiΒV"'؎)CJ#m^M+Y gV 8q1Gq{نohbajx*Z4ċDt0 S"Q‡~']i,O=? p.-6om(5 L~u̎=~.q:'GC=[%2N+f7"uXL e*R²(7jWz>+&vK3>rƳhI }ܛޕj~}]j/Moe3u%ʒΎ@RHʟxH+VЬ+\@BIZҒoך2 >456?<=O>O%?>o}[|-/u ND%~r C<|(K4htoA>šDzCD7zNƅm7čKb>orӁA,FajxĈ@mz $ǪSPǠXZ֒F~ր䑭&b6eAɳ2$QEv?~Cj{=bnZDawnn>+'x&@YsCrI8\HNHaJ:D +lYˁFdMk%mz>$Z+./hG[vxLNa5$(CB+|r]LN!x?+/>?C_rt"5 J*F@ eJ0 I.!rsk,z?q?RNlg$O~#,g%Z|t7,L*'8vaHi{M3.;w+_k6s!⊅VX 2%l?Ƌ1WJvqqY +$Jϰ/UC!,˟Ds@ЀEEw7saLFqvB 2S*aR;~#wFVu46ڠwsc 9vҝԿ6엺oIIokQ X?K^}_k&;ŘuZM?IB:E0l_i6hP`}#t/{ͷK?}*HūXDHcxKñ80wT!A*Κ]gv,']&N;! K޾#c e4xJa.ow'Hegޏ/T,]UC]jUj-zak7Vn& $;C\o`Pwۓ쇛*4i"IOd)zi;赥)! h:49Jڹqv7U:Re݂5l.cn#?o66굳o4kN/o=Ta*lYL㖵Q 7nY)"DZ9`O^i@]ќۥBȃ_C'Nm6VpWD#ҖwUb,7 ,[#mR}VC\6JFjӊtRNnzaqq&wQ^Q"ȫZ3r^xk֙7p&&P$G떛])nѓQ^|yn?JO>IĨad_8FԖA<kj؏ۄP&M.L&3'ąvM*7v;ʉG{lrx ' mo?{3W6 8QFK nN5JyNwܻy JӁ/?(;.Woo~/]T0Bfj!YO}Gk<%q[pڣ1в5I,cRig1܍ꕷ6g3kgcܤ5jj Bȶ)Ӂ1lY4\TnwO?}~ȇ櫕0⋕Poj;bԍ8e;cvb#;\wG#"`%_ju&O_>$֡\^YCv]&[aE, & nte5*(1BHv3zջ'waO+^|OqEfوmD1J!c &Ṳø%hc/@;0*r³vvsPd?JI}B[6?@i‚g")rqDPu C*:hGOcDZ_ws`v_pK_␥ۊpٷs#'vq ֯``+e3h%vegk+_^Hsf'Ԧ@5Bo bw L 'N:A'-,q$sE!ц٠|$(ęmX[8ӥJwо;GmU7Oa' ")M//"5 Cy"5/M0YZR绷B`%v ()ӗ3o+ Xp–vSB"pzgeK >o}kW^m>K<] >aE7|.e(A[YB#I n~ءV*9RGɇ!hT(͒b#5`\F_Ab`%kof`67]dcʊB_E _>ߴ$ۅs/]{ oo[bD b}6>n =Pny1X`Hz3Hzϻ6R%,2p!5J{hLr0%@$b '2|k4?c?'O?gQkj/[elHTb:o{wE2r̋Wy+3 &t$~HV"[,cC " PG(DG=J|fȡ`<c"RՀy~,*ngG>Dc&S}|{> PWkTv7>>-7.fmlP4rFt"q 1nz 9o"C{IuCk$~苧O<(uG(+UЃB68O|j#ׯW[}±*% &NKK.]ݼw_Yo|~ީlө<J# H?Q|mz q {,~2Uڲ6664)ӆKq*>y`eb% WN~4Hd$BwjBə>>䓡bx@ɳnnT_WJCEn hn1SGS^: K :t a&~5nY+JECvF[$@RYѣ"ռ6iU&=zcBΠwF01s>x5EgF0^DF(qFvS)Ftax {͓$?E@S3 JF>^JtW~E3slnnbwQ+jJx1 2"zb?!J6tQĂ_Fø@>FR9ٓO,#ssqR9I)*g!Iu~s#:IBnnr;Kws ԕ/5+VK0|J:A #KO{߻ӘPcz\R 8-vX0\3S RC~/轧O"wƓDTnTXzPN?'O?nO4I*a %8e*'Y^^&Ԅ< ~߳Mz%wii$>|䞏}c QSn$tTv05իɹL***ZLK`&yd,:`;;; /A&{p3oge]ny'Z`(SQeNi7ًLvN^8}מW/G;r6!FKg(hvY}Tv&;nnw/[d-TKիWuF,l'n+^ k^:9m*et"#1%ɛc*s~30Ɏ;;X)JNZkq * xv~w~sȠW}33 Wy?m za}A9=!ضᤴɢt.Ǭ\ 3ˇ{ӟz拟N2{f=uso~g^0"bwn*xJi/4# E}(16wp螈[Nʝq;xԒP&2vg^_Iwx_{xGo'w~gJ4% Q|&zJ}E_QU;|BSn˘c~N̆Pn&m?]\"!BY 4콝{ˉϯ|eCw$ԧ}}6K?=ʗnTxZGSQҩ&աHyWؑ?կ\>DLn#~OCmvlv491Qfwg,%z럺>t޾=n/2(-HM'OI]'?O]Ho_짎O}ꏪ|<$]4JTU"P-^;V$q{ F!1ԯ@{lI#<:p`4J>s?ɍs?ͧ?O7[_y\\>PߺvL')',)w) ~+_ATLu~;='3@ͱ"{"܄Hٸ̚VԘ,AA~`k'c}}䕯Pϕڅ/b"3W0[`+F, 56Vɠn3ܿl؟z;t 3Dɪ>vXz SSX݀Dkˀl1\?\~|k7czz/FׯsD<4<}Η $Ix6r\ԣ}kDXpΣ$ ?w YƳ݁An~UW%D\̉cē IF̿l}>> '~r+#?#fxsO1ZszR+8Xp.u;otLB-:0WjX$ _cưo ΑGN|]C6?v9OS D=m^c)Cd ,p"bN ;^#B"]yر57W)@'Hd%^_rnG99;ј3!\U6|3+gpqjn~o]~ɯ%3.7 KȞxl{{}{OAR  wyҬV>B6ɃFv:ɛv'2Bގ6TIn[d4]z+]j[J7@:wTiھt2}7O|Dѡ9ʍ# ﺏ5?2~?ŗkgZO/M>oe{BNj@bfZ9׋zMF1TtO?V,"y52G ǘH[CdI5g'—>ZY'~A?u==I^jw>4#3\צBt  dXa?'-;$I#<6uwF1.|{~/0-#PRp:*y7;sKTqw`fKO~knٯ]_ Z5oL,.AQfǪ< tx T. ߙT}f?0Ot@IT*p&P Vd6:2=+<^7.^=sgO'>Np >L{KuZ-OϷzmu#p;.? W 3wx+?Tºd0ife瘓ERtKTS_8Cɋ5ouzSkl>?yJ^4-$8(N奊 O97ׯ}n"6؁I2r:SR(.Jnަ3tJ;,.~7ɝw\:? f_UsjeΉo/Z(3[|qlS޺^ڔ1JkJ{5 c<=yߒ,[񝣅$n6 Iw]"6BZϽқZ_4uOy~vY~=z:27]J'?!>(Q5\wfa] T7c=95$/URܓ@ ?;M/?=wf7~~~gѯvv?8wOѯDkW?tB!&^5ge'=3AɭmV~˾k@Vʝ' -ı.Cip[_j3xP]G~қG,]u_9=wS| utg KA>쳴ung,xfɺşۏwC׆ɷ)\iG澺r??xX44 <kk/.~kٙ3z=԰ڎՕnF$LD"y;Fv[:6Dϻ5NfoIkd1&|;""}~i>yS}G~$ШFJ`"Ic¡GO^+aޕd˶7n\DU3RK]Y{"[ϟ;&YvCD ZX_wv)c|brrZro2<`HPGբʻj^,tYN~5& ["-!ʪIENDB`DyK  pferraresi@foundersgroupinc.netyK Nmailto:pferraresi@foundersgroupinc.netD@D NormalCJOJQJ_HmH sH tH T@T Heading 1 $$ @ @@@@&a$5CJT@T Q Heading 2$<@&56CJ\]^JaJ@@@ Heading 7@&CJhtH uDA@D Default Paragraph FontViV  Table Normal :V 44 la (k(No List P @P Footer$ H$$da$B*CJOJQJ.)@. Page Number4@4 Header  !TO"T 1st Hanging Indent  & F CJOJQJTO2T 2nd Hanging Indent  & F CJOJQJl$@Bl Envelope Address!@ &+D/^@ ;CJOJQJ0U@Q0 Hyperlink>*B*PObP Mail Labelp]^p;CJOJQJHH@rH List Continue 56CJtH uNF@N List Continue 3$a$5CJtH uNG@N List Continue 4$a$CJhtH ujj } Table Grid7:V0<B@< Q Body Text7$8$^JaJQ:  s ~'(\  PQRST, 7 8 ; 0000000# 0# 0# 0# 0# 00000000000x@0+000@0@0@0x\~00@0@0\~00@0@0@0@0\~0 0@0@0x@0x@0@00@S; 0 }@0 0^ BBB,$: S: 9  ,>Zt/!X!t   ,b$Eڥ`M6~ @ 0(  B S  ?H0(  :  Docheader; ; +dfl:,dfl9-dfll:.dflDL/dfl\ 0dfl4P1dfl\\ 2dfl\ 3dfl4dflx5dfl4" ;    ;  ? *urn:schemas-microsoft-com:office:smarttags stockticker;*urn:schemas-microsoft-com:office:smarttagsaddress:*urn:schemas-microsoft-com:office:smarttagsStreetV*urn:schemas-microsoft-com:office:smarttagsplacehttp://www.5iantlavalamp.com/8*urn:schemas-microsoft-com:office:smarttagsCity9*urn:schemas-microsoft-com:office:smarttagsState>*urn:schemas-microsoft-com:office:smarttags PostalCode9 *urn:schemas-microsoft-com:office:smarttagsphone $6425$$$$6871$$$o:ls phonenumbertrans    GNS8 ; xPS8 ; 3RSYc  8 ; GNS8 ; #Q566k6vt 6i 64.6,+/5.DM& O QAO\ZI^fs+nQJt4}m`Q tJH' ]h1MNY Nf_73@OO=OO: `@UnknownGz Times New Roman5SymbolG& z ArialHelvetica"hRR4>!24dOO3QH(?MClientID Dipti BorkarAlice#                           ! " Oh+'0  8 D P \hpx ClientID lie Dipti BorkaroiptLI_03-Life Insurance NeedsAliceLi3icMicrosoft Word 10.0@F#@(&ud@-@D>՜.+,D՜.+,@ hp   Woolpert LLPrO  ClientID Title 8@ _PID_HLINKSAkD 'mailto:pferraresi@foundersgroupinc.net  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abdefghijklmnopqrstuvwyz{|}~Root Entry F&Data 1Tablec)WordDocument SummaryInformation(xDocumentSummaryInformation8CompObjj  FMicrosoft Word Document MSWordDocWord.Document.89q