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   document.write("&#169 1996, Professional Practice Insurance Brokers, Inc.  This newsletter is published as a professional liability loss prevention service to PPIB clients and friends.  It is intended for use by architects and engineers as an information resource.  It is not intended to afford legal or insurance advice or opinion.  Readers are urged to consult competent legal and insurance counsel for assistance in applying the information presented here to their own unique circumstances.") ;
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   document.write("<TR><TD></TD><TD ALIGN=CENTER COLSPAN=2><P><B>Professional Practice Insurance Brokers, Inc.</B><HR></TD><TD></TD></TR>") ;
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   document.write("<TD ALIGN=CENTER VALIGN=TOP><FONT SIZE=-1>10 California Street<BR>Redwood City, CA  94063<BR>(650) 369-5900") ;
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