TITLE 28.INSURANCE

Part 1. TEXAS DEPARTMENT OF INSURANCE

Chapter 5. PROPERTY AND CASUALTY INSURANCE

Subchapter E. TEXAS WINDSTORM INSURANCE ASSOCIATION

The Commissioner of Insurance adopts amendments to §5.4501 concerning the adoption by reference of the rules manual (Manual) governing the writing of windstorm and hail insurance coverage by the Texas Windstorm Insurance Association (Association or TWIA) and to §5.4700, concerning rate reductions applicable to windstorm and hail insurance policies issued by the Association. The sections are adopted without changes to the proposed text as published in the May 23, 2003, issue of the Texas Register (28 TexReg 4066) and will not be republished.

Insurance Code Article 21.49, §8E requires the commissioner to determine the percentage of equitable across-the-board reductions in insurance rates for policies or coverages that are issued by the Association to cover new residential construction, excluding additions or repairs to existing structures, built to the standards of a new building code. Pursuant to §8E, the commissioner is to determine these percentage reductions by not later than the 180th day after the date a new building code is implemented, and if the percentage reductions have not been determined by the 180th day, §8E(d) requires a six percent across-the-board reduction. The amendments to §5.4700 are necessary to specify the percentage rate reductions required by §8E as a result of the adoption of a new building code, the 2000 International Residential Code as revised by the Texas Revisions to the International Residential Code (IRC), effective February 1, 2003. The 2000 International Building Code, as revised by the Texas Revisions to the International Building Code (IBC), effective February 1, 2003, is also included since some residential construction may be certified using this code (the IBC indicates that residential construction shall comply with the IRC). In addition, the amendments are necessary to provide rate reductions for new residential construction, excluding additions or repairs to existing structures, that have been built to a higher standard of construction than that required by the new building code, and to provide rate reductions for residential structures constructed prior to February 1, 2003, which are retro-fitted with exterior opening protection that meets the windborne debris impact-resisting standards of the new building code as revised by the Texas Revisions. The Association petitioned the department (Ref. No. P-0403-10, file-stamped by the Chief Clerk on April 15, 2003), to consider the submission of its methodology for the proposed rate reductions based on the IRC and to propose a change to the page in the Manual indicating the rate reductions. The Association's methodology is based on the department's analysis used to calculate the credits for the 1998 TWIA Building Code for Windstorm Resistant Construction, effective September 1, 1998, and review of the potential impact of the IRC. The estimation of savings in the calculation of indicated rate reductions is based on damage ratios for structures and for contents under the IRC and the previous building codes given various severities of storms (categories one through five on the Saffir-Simpson scale). The analyses are based on engineering studies performed by Texas A&M University, and are contained in the publication "Cost-effectiveness of the New Building Code for Windstorm Resistant Construction Along the Texas Coast, Final Report" by N. Stubbs, et al. The damage ratios, separately for structures and contents, are weighted by the anticipated distributions of storms by Saffir-Simpson category to obtain estimated overall damage ratios under the new and previous codes. The adopted amendments to the TWIA Manual, which governs the writing of new policy forms and endorsements by the Association, are necessary to reflect the rate reductions that conform to the amendments to §5.4700. The adopted amendment to §5.4501 is necessary to add an effective date for the adoption by reference of the amended Manual.

The adopted amendments to §5.4700 conform the section to include the IRC and IBC, specify the percentage rate reductions, and provide an effective date of July 31, 2003. Section III, Subsection C, Item 3, Mandatory Building Code Credits, in the Manual is amended to reflect the dwelling and personal property rate reductions for the seaward, Inland I, and Inland II areas and the mandatory credits for exterior openings based on compliance with the IRC/IBC. The adopted amendment to §5.4501 adds an effective date of July 31, 2003, for the adoption by reference of the amended Manual.

Comment: One commenter stated the belief that Article 21.49, §8E, Insurance Code was intended only for the implementation of the TWIA Building Code for Windstorm Resistant Construction and not for new codes in general, but recognized that legally the wording of §8E was clear and is still part of the statute. The commenter stated the intention to initiate efforts to repeal §8E. This commenter also stated the belief that the current TWIA rates are inadequate particularly in view of reinsurance costs and increase in exposure.

Agency Response: The department disagrees. The unambiguous wording of Article 21.49, §8E, which refers to a "new building code" as defined in §3(o), is not limited to the TWIA Building Code for Windstorm Resistant Construction initially adopted by the commissioner in 1997. Additionally, the methodology presented by the Texas Windstorm Insurance Association supported the rate reductions as petitioned to the department, and the rationale of §8E is sound to the extent that rate reductions should encourage the building of residential structures that are safer and less susceptible to wind damage from hurricanes and thereby not only reduce the cost of insurance but also mitigate property damage and loss of life. Mitigating damage to insured property built to the IRC/IBC standards should also reduce the amount of insured losses of the Association in the event of a hurricane. The department would further note that it considers changing conditions regarding reinsurance and increase in exposure in reviewing rate filings.

For (Not opposed): Texas Windstorm Insurance Association.

6. MANUAL

28 TAC §5.4501

The amended section is adopted under the Insurance Code Article 21.49 and §36.001. Article 21.49, §8E requires the commissioner to determine the percentage of equitable across-the-board reductions in insurance rates for policies or coverages that are issued by the Association to cover new residential construction, excluding additions or repairs to existing structures, built to the standards of a new building code. Article 21.49 §8 authorizes the Commissioner of Insurance to approve, modify, or disapprove every manual of classification, rules, rates, rating plans, and every modification of any of the foregoing used by the Association. Article 21.49 §5A authorizes the Commissioner of Insurance to issue after notice and hearing, any orders which are considered necessary to carry out the purposes of Article 21.49 including, but not limited to, maximum rates, competitive rates, and policy forms. Section 36.001 provides that the Commissioner of Insurance may adopt any rules necessary and appropriate to implement the powers and duties of the Texas Department of Insurance under the Insurance Code and other laws of this state.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on June 30, 2003.

TRD-200304007

Gene C. Jarmon

General Counsel and Chief Clerk

Texas Department of Insurance

Effective date: July 31, 2003

Proposal publication date: May 23, 2003

For further information, please call: (512) 463-6327

8. RATES

28 TAC §5.4700

The amended section is adopted under the Insurance Code Article 21.49 and §36.001. Article 21.49, §8E requires the commissioner to determine the percentage of equitable across-the-board reductions in insurance rates for policies or coverages that are issued by the Association to cover new residential construction, excluding additions or repairs to existing structures, built to the standards of a new building code. Article 21.49 §8 authorizes the Commissioner of Insurance to approve, modify, or disapprove every manual of classification, rules, rates, rating plans, and every modification of any of the foregoing used by the Association. Article 21.49 §5A authorizes the Commissioner of Insurance to issue after notice and hearing, any orders which are considered necessary to carry out the purposes of Article 21.49 including, but not limited to, maximum rates, competitive rates, and policy forms. Section 36.001 provides that the Commissioner of Insurance may adopt any rules necessary and appropriate to implement the powers and duties of the Texas Department of Insurance under the Insurance Code and other laws of this state.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on June 30, 2003.

TRD-200304008

Gene C. Jarmon

General Counsel and Chief Clerk

Texas Department of Insurance

Effective date: July 31, 2003

Proposal publication date: May 23, 2003

For further information, please call: (512) 463-6327

Subchapter E. TEXAS WINDSTORM INSURANCE ASSOCIATION

7. INSPECTIONS FOR WINDSTORM AND HAIL INSURANCE

28 TAC §5.4605

The Commissioner of Insurance adopts new §5.4605 concerning items not requiring an inspection for the purposes of windstorm and hail insurance coverage through the Texas Windstorm Insurance Association (Association or TWIA). The section is adopted without changes to the proposed text as published in the May 23, 2003, issue of the Texas Register (28 TexReg 4070) and will not be republished.

Insurance Code, Article 21.49, §6A provides that all structures that are constructed or repaired or to which additions are made on or after January 1, 1988, to be considered insurable property for windstorm and hail insurance from the Association, must be inspected or approved by the department for compliance with the plan of operation. Over the course of development of the inspections program, the department has listed certain items not requiring an inspection for purposes of windstorm and hail insurance coverage in its windstorm inspection manual and as modified and incorporated into the TWIA Building Code for Windstorm Resistant Construction. Effective February 1, 2003, the Commissioner adopted the 2000 International Residential Code and the 2000 International Building Code, as revised by the Texas Revisions to the International Residential Code and the Texas Revisions to the International Building Code, as the applicable building code standards in designated catastrophe areas for structures constructed, repaired or to which additions are made on and after February 1, 2003. New §5.4605 is adopted to provide a uniform listing of items not requiring inspection that will be applicable to all the codes and standards for the various periods of construction, to provide for repairs, replacements, or procedures with like kind and quality materials, fasteners, and craftsmanship, and to add certain items to the list, such as replacement of windows or glass doors when less than 10% of the surface area of a structure is involved so as to allow for cost-effective repairs or replacement when a small percentage of the surface area is affected.

New §5.4605 sets forth the items not requiring inspection that will be applicable to all the codes and standards for the various periods of construction and provides for repairs, replacements, or procedures with like kind and quality materials, fasteners, and craftsmanship. The new section also adds items such as replacement of glass in windows or glass doors or replacement of exterior doors not involving the frames provided that the area is less than 10% of the surface area of the affected side of the structure, and replacement of exterior siding provided that the area is less than 10% of the surface area of the affected side of the structure.

Comment: One commenter stated support for the proposal.

Agency Response: The department appreciates the support.

For: Galveston Windstorm Action Committee, Inc.

The new section is adopted under the Insurance Code Article 21.49 and §36.001. Article 21.49, §6A provides that all structures that are constructed or repaired or to which additions are made on or after January 1, 1988, to be considered insurable property for windstorm and hail insurance from the Association, must be inspected or approved by the department for compliance with the plan of operation. Section 36.001 provides that the Commissioner of Insurance may adopt any rules necessary and appropriate to implement the powers and duties of the Texas Department of Insurance under the Insurance Code and other laws of this state.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on June 30, 2003.

TRD-200304009

Gene C. Jarmon

General Counsel and Chief Clerk

Texas Department of Insurance

Effective date: July 20, 2003

Proposal publication date: May 23, 2003

For further information, please call: (512) 463-6327

Chapter 15. SURPLUS LINES INSURANCE

Subchapter B. SURPLUS LINES STAMPING OFFICE OF TEXAS

28 TAC §15.101

The Commissioner of Insurance adopts an amendment to §15.101, concerning the Plan of Operation of the Surplus Lines Stamping Office of Texas ("SLSOT") under the Surplus Lines Insurance Statute (Insurance Code Chapter 981, formerly Article 1.14-2). This section is adopted with changes that are due to the codification of Insurance Code Article 1.14-2 which is now Insurance Code Chapter 981. All previous references to Insurance Code Article 1.14-2 are now changed to Insurance Code Chapter 981 throughout the proposed text as published in the May 9, 2003, issue of the Texas Register (28 TexReg 3798).

The section provides for the setting of the stamping fee charged by SLSOT pursuant to Insurance Code §981.153 and §981.154 (formerly Article 1.14-2 §6A(b)). This amendment changes the one year projection method for estimating the stamping fee to a method utilizing the previous five-year period. This change provides for more flexibility and stability in the setting of the stamping fee, thereby resulting in less disruption and more efficiency in the surplus lines market.

For future stamping fee recommendations and increases, this section requires that SLSOT use a five-year averaging methodology, resulting in a more stable stamping fee process. This in turn provides for a more efficient and smoother agent and SLSOT interaction process related to the collection of the stamping fee.

No comments were received regarding the amendment.

The amendment is adopted under authority of the Texas Insurance Code §981.153 and §981.154 (formerly Article 1.14-2 §6A(b)) and §36.001. Texas Insurance Code §981.009 (formerly Article 1.14-2, §3A) authorizes rules relating to surplus lines insurance. Texas Insurance Code §36.001 authorizes the Commissioner of Insurance to adopt rules necessary and appropriate to implement the powers and duties of the Texas Department of Insurance.

§15.101.Plan of Operation of the Surplus Lines Stamping Office of Texas.

(a) The Plan of Operation of the Surplus Lines Stamping Office of Texas (Plan of Operation) and any amendment thereto shall become effective upon written approval of the Commissioner of Insurance (commissioner), and shall constitute the manner in which the Surplus Lines Stamping Office of Texas (stamping office) shall operate and discharge its responsibilities in accordance with the Texas Insurance Code and the rules of the Texas Department of Insurance (department).

(b) All persons licensed as surplus lines agents under the Texas Insurance Code shall be subject to the provisions of the Plan of Operation.

(c) The board and its directors are subject to the following provisions:

(1) The management of all the affairs, property, and business of the stamping office shall be vested in the board of directors, which shall consist of nine persons who serve terms as established in the Plan of Operation. Four of the members of the board of directors must represent the general public and must be qualified under the Texas Insurance Code §981.152 and §981.153 (formerly Article 1.14-2, §6A(c)).

(2) The board of directors shall be appointed by the commissioner. The commissioner may remove a director for willful misconduct or absence from three meetings of the board of directors during a calendar year. A director who is absent from four or more meetings of the board of directors during a calendar year automatically vacates his or her position on the board of directors.

(3) Directors will serve for a term of three years. Directors may not serve consecutive full terms. Directors shall serve until their successors are duly appointed except when removed from office or upon resignation accepted by the commissioner. The minutes of the stamping office board meetings shall show the names of the directors attending and the term of office for each, and the actions taken by the board of directors. Upon approval of the minutes of each meeting of the board of directors, a copy shall be provided to the department.

(4) The commissioner may appoint successors for the remaining period of a vacating director's term. A person appointed to replace a public member must be a public representative.

(5) A quorum, consisting of a majority of the board of directors, is required for the transaction of official business by the board of directors. The board of directors shall act upon majority vote of those directors present, and such actions shall be recorded in the minutes. However, an affirmative vote of two-thirds of the directors present shall be required to take the following actions:

(A) adopt an annual budget;

(B) approve contracts with an obligation of $15,000 or more, which are not contemplated within the approved annual budget;

(C) recommend for adoption by the commissioner a schedule for stamping fees and other fees;

(D) borrow money;

(E) officially recommend to the commissioner an amendment to the Plan of Operation; or

(F) authorize bank signatures.

(6) A director, upon approval of the chair, may participate in a meeting of the board of directors by telephone conference call or video conference call. However, the medium for such participation, such as a speakerphone or computer teleconference screen and speaker, must be accessible by members of the general public attending the open meetings and must be placed in a location specified in the notice of the meeting.

(7) The first regular meeting of the board of directors in the calendar year is designated as the Annual Meeting, during which the board of directors shall:

(A) elect officers, including a chair, a vice-chair and a secretary;

(B) review the Plan of Operation and proposed amendments, if any;

(C) review operating expenses, schedule of fees, and annual report for submission to the commissioner;

(D) review, consider, and act on any other matters deemed by the board of directors as necessary to the administration and purposes of the stamping office under the Texas Insurance Code Chapter 981 (formerly Article 1.14-2) and the rules adopted thereunder by the commissioner that are applicable to the stamping office.

(8) The chair, vice-chair, and secretary shall hold office until the next Annual Meeting, or until their successors are elected and installed, unless removed pursuant to paragraph (2) of this subsection.

(A) the chair shall preside at all meetings and perform all duties customary to such office, including the appointment of committees. The chair shall be an ex officio member of all committees.

(B) the vice-chair shall perform all duties of the chair during the absence of the chair.

(C) the secretary shall keep full minutes of the proceedings of the board of directors and perform such other duties customary to such office or as may be assigned by the chair.

(9) The board of directors shall hold regular meetings at least quarterly and the Texas Department of Insurance shall be notified. The board of directors shall comply in all respects with the Texas Open Meetings Act. All board meetings shall be held in the State of Texas. Special meetings of the board of directors may be called by the chair and shall be called at the request of any three directors upon not less than five days written notice to each director and to the commissioner or the commissioner's designee of the time and place. The written notice shall state the purpose or purposes of any special meeting. Such notice for any special meeting may be waived by unanimous consent, provided the requirements of the Texas Open Meetings Act have been met.

(10) Directors shall serve without compensation, but they may be reimbursed for reasonable expenses incurred by them in carrying out their duties and responsibilities as members of the board of directors.

(d) The board of directors shall employ a general manager who will be responsible for the operation and management of the stamping office in accordance with policy established by the board of directors. The general manager shall serve at the pleasure of the board of directors.

(e) The stamping office is subject to the following provisions:

(1) The stamping office may employ such persons, or contract with such firms or corporations, individuals, attorneys, or accountants, as are necessary for the performance of its duties. Contracts shall be subject to policies adopted by the board of directors. The board of directors shall utilize appropriate competitive bidding procedures for any contract or group of related contracts of a material amount.

(2) The stamping office may open one or more bank accounts. The board of directors shall recommend for approval by the commissioner an investment and cash management policy for the stamping office. Such policy may provide for reasonable delegation of deposit and withdrawal authority to such accounts for stamping office business as may be consistent with prudent fiscal policy. The stamping office may borrow money upon the approval of the board of directors.

(3) Prior to November 1 of each year, the board of directors shall adopt, subject to review by the commissioner, a budget for the stamping office's operating and capital expenses and contingent expenses for the following calendar year. The budget shall take into account unknown and unanticipated expenses as may reasonably occur and make provision for such expenses in accordance with prudent business practice, but projected reserves, excluding funds for asset replacement, shall not exceed two times the average of audited operating expenses for the five-year period immediately preceding the budget year. However, in the event that the reserve balance is projected to exceed this limit in an upcoming year, the board of directors shall submit to the commissioner within thirty days after the Annual Meeting a written plan for reducing the amount of actual reserves in compliance with this section within a reasonable time given the then existing market conditions. Based upon the anticipated volume of surplus lines premium during the upcoming calendar year, the board of directors shall recommend for adoption by the commissioner a stamping fee to be charged on all surplus lines filings, as measured by premium, submitted to the stamping office.

(4) All surplus lines agents shall submit surplus lines insurance documents to the stamping office as required by the Texas Insurance Code and the rules of the department and shall pay the fees therefore as permitted by law and as required by the stamping office. If submitted by electronic means, the electronic means used must have been approved by the department in writing and otherwise comply with all applicable laws. Pursuant to the Texas Insurance Code §§981.002, 981.151, and 981.213 (formerly Article 1.14-2, §6A(a)), the portions of the surplus lines insurance contract required to be filed with the stamping office are:

(A) a declarations page;

(B) a listing of all participating insurers on the policy;

(C) all coverage parts and schedules;

(D) extended coverage exclusions;

(E) all premium-bearing documents; and

(F) any other parts as may be required by the stamping office to review and record the policy.

(5) Any surplus lines agent who is delinquent in the payment of stamping fees may be reported to the commissioner; provided, however, that any delinquency of more than 90 days shall be reported to the commissioner.

(6) The stamping office shall record all surplus lines insurance filings and reports submitted to it pursuant to the Texas Insurance Code and rules of the department and shall prepare reports to the commissioner and to surplus lines agents as required. Reports shall also be prepared for such other purposes as approved by the board of directors, or as the department or the Comptroller of Public Accounts of Texas (comptroller) may reasonably request. The stamping office will furnish records and/or documents to staff of the department or the comptroller upon request, for purposes of regulation, examination, or tax collection. The following shall be submitted to the commissioner:

(A) the adopted budget;

(B) copy of the annual audit; and

(C) an annual summary of operations which contains information on transactions, conditions, operations, and investments during the preceding year, such report to contain such matters and information as prescribed by and in such form as approved by the board of directors. The commissioner may at any time require the stamping office to furnish additional information with respect to any matter connected therewith and considered to be material in evaluating the economic, efficient, fair, and nondiscriminatory operation of the stamping office.

(7) The stamping office shall prepare and distribute a procedures manual to each surplus lines agent setting forth the procedure for submitting surplus line insurance documents to the stamping office and other matters germane to the operation of the stamping office. The manual shall be prepared in cooperation with the department.

(8) The stamping office shall procure such bonds and insurance covering the stamping office, the directors, officers, employees, and agents of the stamping office, and its properties and activities, as it deems appropriate.

(9) The stamping office shall perform those functions specifically enumerated in the Texas Insurance Code §§981.152, 981.154, 981.155, and 981.160 (formerly Article 1.14-2, §6A(b)).

(10) The stamping office shall assist the department and facilitate compliance with the insurance laws of the state and the rules promulgated thereunder by conducting the following functions:

(A) identifying technical deficiencies in policy preparation and submission, and seeking correction of such deficiencies;

(B) identifying potential non-fraudulent violations;

(C) notifying surplus lines agents of such potential non-fraudulent violations and seeking information related to the potential violations when necessary to fulfill the stamping office's duties;

(D) compiling information on the eligibility of surplus lines insurers and immediately reporting to the department all potentially fraudulent and willful violations of law or rules, including unauthorized transactions of the business of insurance; and

(E) reporting to the department, within specified and agreed upon time frames, the following information:

(i) evaluations of eligibility under §15.7 and §15.8 of this title (relating to Eligibility Requirements for Surplus Lines Insurance and Eligibility Requirements of Surplus Lines Insurers);

(ii) summaries of stamping office activities, including actions relating to deficiencies and potential violations;

(iii) results of inquiries relating to complaints;

(iv) results of any other actions under §15.12 of this title (relating to Surplus Lines Insurance Requests for Information, Examination, and Complaints);

(v) patterns and practices of any surplus lines agent that may constitute lack of compliance with the applicable insurance laws of the state;

(vi) compilations of premiums for property coverage written under a separate policy by a surplus lines insurer affiliated with a licensed insurer, including the total policy premium, the portion of the premium that is actual extended coverage and other allied lines, if available, and where the risk is located; and

(vii) compilations of premium volume by surplus lines agent, insurer, and kinds and class of surplus lines insurance coverage;

(F) providing seminars and other educational programs relating to the Texas Insurance Code, this chapter, and the procedures of the stamping office;

(G) collecting information as provided in this chapter and the Texas Insurance Code §981.002 (formerly Article 1.14-2, §6A);

(H) maintaining communications with agents, surplus lines insurers, insurance industry advisory associations, and related trade associations;

(I) maintaining communication with the commissioner, the department and the comptroller;

(J) providing information, including tax reports, to surplus lines agents; and

(K) conducting other activities required by this chapter.

(11) The stamping office is authorized by §15.12 of this title to make inquiries to effect its function under this chapter.

(12) Any information collected under this chapter that indicates potential non-fraudulent violation of the laws of this state or the rules adopted thereunder that has not been determined by inquiries for information to be nonexistent or corrected as a technical deficiency shall be reported to the department, or in the case of information relating to taxes, reported to the comptroller.

(13) Stamping office recommendations against eligibility under §15.8 of this title shall be considered by the department. The stamping office may change an eligibility recommendation based on new or corrected information.

(f) The board of directors shall, once each year, provide for an independent audit of all the books and records of the stamping office, and a copy of the audit report shall be provided to the commissioner.

(g) Each member of the board of directors, officer, or employee of the stamping office shall be indemnified by the stamping office against all expenses, judgments, decrees, fines, penalties, and amounts paid in settlement, or incurred in the defense, of any action taken or not taken by such person in the performance of such person's powers and duties under the Texas Insurance Code and the rules of the department and this plan of operation, unless such person shall be finally adjudged to have committed a breach of duty involving gross negligence, bad faith, dishonesty, willful misfeasance, malfeasance, or reckless disregard of such person's responsibilities. In the event of settlement before final adjudication, such indemnity shall be provided only if the stamping office is advised by independent counsel that such person did not, in counsel's opinion, commit such a breach of duty. The stamping office may purchase and maintain insurance on behalf of any person who is or was a director, officer, or employee of the stamping office against any liability asserted against such person and incurred by such person in such capacity or arising out of such person's status as such, whether or not the stamping office can indemnify such person against such liability under this chapter.

(h) In the event the stamping office is dissolved, the commissioner shall take charge of and transfer the remaining assets, books, and records of the stamping office to the department or to another organization established for the same or similar purpose as the stamping office and which organization shall be exempt under the Internal Revenue Code, §501(c)(3).

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on June 27, 2003.

TRD-200303957

Gene C. Jarmon

General Counsel and Chief Clerk

Texas Department of Insurance

Effective date: July 17, 2003

Proposal publication date: May 9, 2003

For further information, please call: (512) 463-6327