1. IntraRisk, Applied Research Associates, Raleigh, N.C. 27615 (corresponding author). E-mail: pvickery@ara.com
2. Risk Management Solutions, Newark, CA.
3. Partner Re, Zurich, Switzerland.
4. IntraRisk, Applied Research Associates, Raleigh, N.C. 27615.
5. Ace Tempest Re, Bermuda.