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... given it If you get money any other way - well, I think you know what I'm getting at. Let's call that The Other Method. The media keeps us well informed of the enormous sums of money made these days in financial transactions, especially with initial public offerings (IPOs) . The dot-coms are the ones that grab our attention - people wonder whether this is high finance or hijinks. Generally, the people who make money by forming a corporation and selling it in the public markets, either directly to the public ... mutual insurer that's now in the process of going stock. Demutualization arrangements are complex because for the most part the policyholders don't know what's going on. That makes lots of opportunity for The Other Method. It's up to the insurance commissioners and ultimately their states' elected officials to ensure that the very handsome sums the mutual company executives and their advisers make in these conversions are indeed earned. The typical justification for going stock is that the economic returns of mutuals are paltry and that performance could be improved under public-stock ownership. These are ... , top-of-the-line treatment in all respects? Did they ask these people to do what they are doing? And when the deal is done, are the owners of the company, the policyholders, better off? If your Aunt Tillie was providing for her retirement with savings bonds, and thought these instruments were just fine in spite of their modest returns, are you obligated to take hold of her money, fix' her investment portfolio, and make a big fat gain for yourself in the process? I know that might be tempting ...

... develop financial responsibility regulations for owners and operators of underground storage tanks (USTs) storing petroleum. EPA estimates that there are about 1.2 million federally regulated petroleum USTs buried at over 500,000 sites nationwide. These sites are owned by marketers who sell gasoline to the public (such as service stations and convenience stores) and nonmarketers who use USTs solely for their own needs (such as fleet service operators and local governments) . Many of these USTs have released or will release petroleum into the environment through spills, overfills, or ... You must keep at your UST site or your place of business the following records of financial responsibility coverage: A current Certification of Financial Responsibility. Any additional documentation that shows your financial responsibility method is valid and provides details on the method's coverage, such as signed copies of official letters, policies, and state fund agreements. Keep these records until your UST site is properly closed. Keeping clear records makes good business sense. If asked by UST inspectors or regulatory officials to demonstrate your financial responsibility, you can use these records to demonstrate ... your compliance with the financial responsibility requirements. Many states require you to file copies of your financial responsibility records with the state agency, so check with your state to see what you need to do. You do not need to report financial responsibility records to the federal EPA unless you have been requested to do so. Your firm must have a tangible net worth of at least $10 million. Your firm must have a tangible net worth of a least 10 times the amount of aggregate coverage that you are required to demonstrate plus ...

...arketers who sell gasoline to the public (such as service stations and conveni...ked by UST inspectors or regulatory officials to demonstrate your financial re...