ques = new Array;
  ans = new Array;

  ques[0]="Can I finance my capital contribution to FMCRRG or my insurance premium?";
  ques[1]="What type of policies does FMCRRG write";
  ques[2]="Is FMCRRG permitted to pay dividends to its members?";
  ques[3]="Who is the manager of FMCRRG?";
  ques[4]="Who provides investment management services to FMCRRG?";
  ques[5]="Are there annual financial audits of FMCRRG?";
  ques[6]="Who reviews the adequacy of FMCRRG loss reserves?";
  ques[7]="Who handles underwriting, policy decisions, pricing and application review at FMCRRG?";
  ques[8]="What factors are considered in the underwriting process?";
  ques[9]="Are members required to meet underwriting criteria annually?";
  ques[10]="Can a membership interest in FMCRRG be transferred?";
  ques[11]="Is FMCRRG subject to state insurance guaranty funds?";
  ques[12]="Has FMCRRG obtained reinsurance?";

  ans[0]="Yes. Several entities provide secured or unsecured, signature-based low cost recourse loans for truckers to finance all or a portion of their capital contribution and premium. Under certain conditions the Company itself can finance a member's capital contribution. However, please note that the members' capital interest in FMCRRG cannot be pledged, transferred, assigned or hypothecated to any party.";
  ans[1]="FMCRRG provides commercial auto liability insurance coverage with a $1,000,000 combined single limit. The policy covers bodily injury and property damage claims for which the insured truckers are legally responsible. The policy does not cover motor truck cargo, general liability or auto physical damage.";
  ans[2]="FMCRRG may pay, and hopes to pay, dividends to policyholders out of its surplus, but not without the prior approval of the Delaware Department of Insurance, the Company board of directors and the members in FMCRRG.";
  ans[3]="CBIP Management, Inc. ("CBIP"), a privately owned corporation domiciled in Delaware, with its principal office in Farmingdale, New Jersey, is the program manager for FMCRRG reporting to the Board of Directors. CBIP is responsible for marketing, underwriting, policy administration, billing and claims management functions for FMCRRG in accordance with the policies established by its Board of Directors. CBIP receives management fees for its services. These fees consist of a percentage of the earned premium. FMCRRG has also contracted with Camelback Captive Management Services, Inc. of Phoenix, Arizona to provide regulatory and captive management services.";
  ans[4]="The assets of FMCRRG are managed by Congress Trust, N.A. an investment banking and securities firm based in Boston, Massachusetts and a recognized leader in the insurance industry as a professional third-party asset manager. The Board of Directors and the Treasurer has contracted with Congress Trust, N.A. to invest the company's assets in accordance with investment policies which have been developed and approved by the Investment Committee of the Board. The investment portfolio is conservatively managed with investments predominantly in a diversified portfolio of short to medium term, investment-grade, and fixed-income securities issued by corporations, governments and agencies.";
  ans[5]="FMCRRG provides an audited annual financial statement to its members on a calendar year basis. The Audit Committee of the Board determined and approved the selection of an independent auditor, Johnson Lambert & Company, an auditing firm with extensive experience in the insurance industry. The annual audit fee will be paid by FMCRRG. The Delaware Department of Insurance and each jurisdiction in which the company writes policies require that such an audit be filed annually with the Delaware Department of Insurance.";
  ans[6]="Pinnacle Actuarial Resources, Inc. ("Pinnacle") provides an annual actuarial review and loss reserve analysis for FMCRRG as of the end of each fiscal year. This loss reserve analysis must be filed annually with the Delaware Department of Insurance and with the other states in which the company writes policies. The fee for this service will be paid by FMCRRG. The Underwriting and Risk Management Committee will review and approve the retention of the actuarial service provider annually. Pinnacle was retained by CBIP to prepare the actuarial analysis required to initiate the licensing process with the Delaware Department of Insurance and is one of the largest and one of the most respected actuarial firms in the United States.";
  ans[7]="All applications are initially reviewed by CBIP to determine compliance with the underwriting guidelines established by FMCRRG's Underwriting and Risk Management Committee (URMC), and all applications are reviewed and approved by the URMC. The underwriting process may include an on-site review and includes preparation of an underwriting file for each potential insured.";
  ans[8]="CBIP, in conjunction with FMCRRG's Underwriting and Risk Management Committee, evaluates the degree of underwriting risk associated with each application for insurance on the basis of documentation review, and accepts or rejects the proposed member. The FMCRRG Underwriting and Risk Management Committee have adopted underwriting standards to be applied in determining the acceptance or rejection of eligible truckers for insurance. Underwriting standards developed by the Company are applied in evaluating applications for insurance and determining possible underwriting actions. Various factors are considered, including the prospective Insured's mileage, gross receipts, and the claims history of the prospective Insured.";
  ans[9]="Insured's must be evaluated and policies underwritten each year. Pursuant to the Company's underwriting standards, Insured\’s may be required to participate in loss prevention and risk management education programs adopted by FMCRRG and will work with the Underwriting and Risk Management Committee on annual or semi-annual practice reviews. Insured's may earn premium refunds through participation in the Company's loss prevention and risk management education programs.";
  ans[10]="No, there are substantial restrictions on transfer.";
  ans[11]="As a risk retention group under the federal Liability Risk Retention Act, FMCRRG is exempt from most of the insurance laws and regulations of jurisdictions other than Delaware. Accordingly, Insured's do not receive the benefits that such regulation might provide, including the benefits of state insurance insolvency guaranty funds established under state law for the purpose of paying the claims of policyholders whose insurance companies become insolvent.";
  ans[12]="Yes. FMCRRG has obtained reinsurance through the assistance of Beso Re Limited, and has in place an agreement to provide all policies with reinsurance.";

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