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n Industry Associations n Organizations n Resources
R&R The Restoration Red Book n Industry Associations n Organizations n Resources American Bio-Recovery Association (ABRA) Carpet & Rug Cleaners Institute of Illinois (CRCII) P.O. Box 828 Ipswich, MA 01938 Phone: (888) 979-2272 Fax: (987) 356-4606 Web: www.americanbiorecovery.org 33295 Lake Shore Drive Grayslake, IL 60030 E-mail: [email protected] Web: www.crcii.org The American Indoor Air Quality Council PO Box 11599 Glendale, AZ 85318 Phone: (800) 942-0832 Email: [email protected] Web: www.iaqcouncil.org American Industrial Hygiene Association (AIHA) 2700 Prosperity Ave., Suite 250 Fairfax, VA 22031 Phone: (703) 849-8888 Fax: (703) 207-3561 E-mail: [email protected] Web: www.aiha.org/Content Connections Events P.O. Box 21433 Denver, CO 80221 888-881-1001 303-469-0306 www.connectionsconvention.org Industry Associations | Organizations | Resources 5022 Gate Parkway, Suite 304 Jacksonville, FL 32256 Phone: (904) 394-6200 Fax: (904) 224-6400 Web: www.contractorconnection.com 1791 Tullie Circle, N.E. Atlanta, GA 30329 Phone: (800) 527-4723 Fax: (404) 321-5478 E-mail: [email protected] Web: www.ashrae.org Disaster Kleenup International (DKI) 1555 Mittel Blvd, Suite S Wood Dale, IL 60191 Phone: (800) 567-8047 Fax: (630) 350-9354 E-mail: [email protected] Web: www.disasterkleenup.com Association of Wisconsin Cleaning Contractors 6737 West Washington Avenue, Suite 1420 Milwaukee, WI 53214 Phone: (414) 276-9799 Fax: (414) 276-7704 E-mail: [email protected] Web: www.awcconline.org Building Owners and Managers Association (BOMA) International Disaster Restoration Contractors (DRC) 3190 Ridgeway Dr., Unit 11 Mississauga, ON Canada L5L5S8 Phone: (877) 372-7483 Fax: (905) 820-0198 Web: www.DRCTradeShow.com Environmental Education Foundation 724 East Iris Dr. Gilbert AZ 85296 Phone: (480) 659-9356 Fax: (480) 659-9456 E-mail: [email protected] Web: www.enviro-ed.org 1101 15th St., NW, Ste. 800 Washington, DC 20005 Phone: (202) 408-2662 Fax: (202) 326-6377 e-Mail: [email protected] Web: www.boma.org Environmental Information Association Carpet Cleaners Institute of the Northwest (CCINW) 2421 S. Union Ave. Ste. L-1 Tacoma, WA 98405 Phone: (253) 759-5762 Fax: (253) 761-9134 E-mail: [email protected] Web: www.ccinw.org 6935 Wisconsin Ave. Ste. 306 Chevy Chase, MD 20815-6112 Phone: (301) 961-4999 Fax: (301) 961-3094 E-mail: [email protected] Web: www.eai-usa.org Independent Mitigation and Cleaning/ Conservation (IMACC) 900 E. Diehl Rd., Ste. 110 Naperville, IL 60563 Phone: (877) IMACC-80 Fax: (630) 527-9054 Web: www.imacc.net Carpet & FabriCare Institute (CFI) PO Box 758 Escondido, CA 92033 Phone: (800) 227-7389 Fax: (760) 746-7891 E-Mail: [email protected] Web: www.carpet9.org R e s to r a t i o n & R e m e d i a t i o n P.O. Box 3785 Texarkana TX 75501 Phone: (903) 794-2409 Fax: (801) 601-0129 Web: www.catadjuster.org Crawford Contractor Connection American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE) 58 CatAdjuster.org | W i n te r 20 0 8 Indoor Air Quality Association, Inc. (IAQA) 12339 Carroll Avenue Rockville, MD 20852 Phone: (301) 231-8388 Fax: (301) 231-8321 E-mail: [email protected] Web: www.iaqa.org Institute of Inspection, Cleaning and Restoration Certification (IICRC) 2715 E. Mill Plain Blvd. Vancouver, WA 98661 Phone: (360) 693-5675 Fax: (360) 693-4858 E-mail: [email protected] Web: www.iicrc.org International Facility Management Association (IFMA) 1 E. Greenway Plaza, Suite 1100 Houston, TX 77046-0194 Phone: (713) 623-4362 Fax: (713) 623-6124 E-Mail: [email protected] Web: www.ifma.org Loss Executives Association P.O. Box 37 Tenafly, NJ 07670 Phone: (201) 569-3366 E-mail: [email protected]. Web: www.lossexecutives.com Mid-South Professional Cleaners Association (MSPCA) 5603-B West Friendly Avenue PMB 289 Greensboro, NC 27410 Phone: (800) 827-2278 Fax: (828) 877-2589 E-mail: [email protected] Web: www.midsouthcleaners.org National Air Duct Cleaners Association (NADCA) 1518 K Street, NW, Suite 503 Washington, DC 20005 Phone: (202) 737-2926 Fax: (202) 347-8847 Email: [email protected] Web: www.nadca.com National Association of Catastrophe Adjusters, Inc (NACA) PO Box 821864 North Richland Hills, TX 76182 Phone: (817) 498-3466 Fax: (817) 498-0480 Email: [email protected] Web: www.nacatadj.org National Association of Mold Professionals (NAMP) 3250 Old Farm Lane, Suite 1 Walled Lake, MI 48390 Phone: (248) 669-5673 Email: [email protected] Web: www.moldpro.org For expanded online listings, go to www.randrmagonline.com/redbook National Association of Subrogation Professionals (NASP) Professional Cleaning and Restoration Alliance (PRCA) 7301 Ohms Lane, Suite 205 Edina, MN 55439 Phone: (952) 835-8700 Fax: (952) 835-8708 Web: www.subrogation.org Phone: (800) 765-1142 Web: www.pcra1.org Professional Carpet and Upholstery Cleaners Association (PCUCA) PO Box 21412 Denver CO 80221 Phone: (877) 447-2822 E-mail: [email protected] Web: www.pcuca.org 16 N. Franklin Street, Suite 203 Doylestown, PA 18901 Phone: (800) 541-2412 Fax: (215) 348-8422 Web: www.demolitionassociation.com Society of Cleaning and Restoration Technicians (SCRT) 234 Cedric Street Leesburg, GA 31763 Phone: (800) 949-4728 Fax: (229) 438-7512 E-mail: [email protected] Web: www.scrt.org Property Casualty Insurers Association of America (PCI) National Institute of Restoration (NIR) 2600 South River Road Des Plaines, IL 60018-3286 Phone: (847) 297-7800 Fax: (847) 297-5064 E-mail: [email protected] Web: www.pciaa.net Phone: (434) 973-4200 Fax: (434) 973-8933 E-mail: [email protected] Web: www.nir-inc.com New England Institute of Restoration & Cleaning (NEIRC) Tri-State Restorers & Specialty Cleaners Association (TRSCA) 4660 Elizabeth St. Coraopolis, PA 15108 Phone: (412) 351-8686 Fax: (412) 262-7150 Web: www.unsmoke.com Property Loss Research Bureau (PLRB) 6 Boston Road, Ste. 201 Chelmsford, MA 01824 Phone: (978) 250-9847 Fax: (978) 250-1117 E-mail: [email protected] Web: www.neirc.org 3025 Highland Parkway Suite 800 Downers Grove, IL 60515-1291 Phone: (888) 711-PLRB Fax: (630) 724-2260 Web: www.plrb.com Windstorm Insurance Network, Inc. (WIND) Restoration Industry Association (RIA) North American Restoration Dry Cleaners (NARD) 9810 Patuxent Woods Dr., Suite K Columbia, MD 21046-1595 Phone: (443) 878-1000 Fax: (443) 878-1010 E-mail: [email protected] Web: www.restorationindustry.org 3838 Troost Avenue Kansas City, Missouri 64108 Phone: (866) 607-NARD Fax: (705) 745-9254 E-mail: [email protected] Web: www.n-a-r-d.com 2929 Langley Avenue, Suite 203 Pensacola, FL 32504 Phone: (850) 473-0601 Fax: (850) 473-0603 Web: www.windnetwork.com Editorial Reprints Covered Why Mold Losses Aren’tIt) (And What to do About By Jim Pearson B watery now, everyone providing surely faced the damage restoration has old joke, “No inuninsured mold loss. The funny anymore. surance? No mold!” isn’t mold losses has The lack of coverage for happened? become commonplace. What warning of the More than 8,000 articles the mainstream dangers of toxic mold hit “48 Hours” promedia several years ago. A a lawsuit gram featuring Melinda Ballard, in her mold over Brockovich filed by Erin dog supposhome and Ed McMahon’s by mold edly dying after being sickened Claims for all helped fuel public concern. dramatically mold contamination rose As the public’s during this same period. of mold heated awareness of the dangers extending coverup, insurers cooled on reduced or age. Insurers in every state paid for mold eliminated coverage that from certain cleanup – even that resulting losses. water-damage InformaAccording to the Insurance on s er or rs st to Re edia r fo m Q Re IA nd a ent: atm t Tre Hea Up to .D. rm rocess a tt, Ph W P Abbo cies n Old an P. By Se a gen y nt A ons for efficac me ge of point the ranal death ects, ern plicati hin v ins rm wit o fall The the species of uses, is G ures s. Ap vir struct s proces including ia and duration thi New bacter and beental sms, for gi, ani has ature environm res heat biofor org pods, funtemper atu , and ucing nt ss and h temper lent to arthro ction of red rta juices hig iva bioma fruit tool for an impo the a fun d with rates at y be equ es. lk and rtant and oughout ct couple s. Death ions ma longer timinfection as mi an impo ination thr is distin e e s factor rt durat res for rmal dis in strucrem com l contam ser vation ation school ly atu of the riz s ext ms te mber for shotemper es, logica d of pre Pasteu ich use elimina ent proble a nu attion agenci e rec ectre lower applica logica l sful in metho industry. ion, wh ans to le, autoent hav an eff heat d in bio ces me The mp nts), overnmtitutions ent as logica l food sterilizat mical ses to ved suc es where s is use n r exa trume er ces (fo che cas ins t treatm n bio techm ces pro atio pro has ins or oth fro cal or In all , the pro remedi ova l agents gical d other ards hea e commo e new ritures ations. 1999, physi logica l s of sur the foo rem and ional tow to som ms. Th approp ployed ack of situ are em h tradit physical ials and all biotreatment ely affect zed (Bl ble looked ution as an problems n pro ered sol or ments ction wit rely on ing mater use of ental clave y advers sterili tive inatio consid roach to requires ithe jun ild ironm ered t ma that being . bu con gh n env bu env ds ou contamy is being ica l app ine ted 01) ials oor eng islatio towards conmetho tamina osols thr mater et al. 20 rs, ind build nolog n-chem ere leg g ed the ole s to no of con l of aer Doyle recent yea e hon to a wh its con ns wh is leaninsolution ate tro atio reor t s. hav hea ed , ate le In con filter hoolsconcern term in situ ess clim ponsib dry ucture g target s, icians cal s c res in Sc h the HEPA techn tion of of the str of killin s proces busin nta lly rol g publi to chemi er wit is a proces es. nt lica n n” se ilia Int thi me app portio purpo n issu fam ation ron ct Co reasin ldren n of reduce rizatio a ple of are riz inatio Inse the inc re of chi ntatio programs t ing, with the e princi al pasteu ilar to tam st of us Pasteu hogens and organd sim With exposu impleme (IPM) of hea n. micro sing pat Mo tents, sms. Th “structur ,” is onstrate g rizatio man n of proces ion tigardin and the nagement the use Pasorgani termed infect has dem suscep pasteu inate hu centratio ustria l en Louis cessal dis that it sms are bia l levagents Pest Ma schools, oft to elim rall con and ind 2003). erm in pro ove grated lifornia or “th rization croorganirall micro d. Each By Claudia Lezell Yates ser vation he dethe in food hen do you know en e and in Ca concrete is pasteu tain mi that ove tly reduce al death dry? The answer isms enbach heat pre 4 wh sing win that, after decades cer y to this tor ilt 186 million of haps billion – – perthat heat and nifican c therm ting bu (Stetz eloped 4 and were cau tion, he we would be closer study and analysis, dollar sig labora after the drying question dev n forms is...it deto some firm answer. pends, and it depends ble to ld be a specifi se inhabi process is “considered . The per teur ween 185bacteria erimenta a certai tee The goal here is complete and the , Inc s and whomit you ” t of to ask. If you exp ted to question els cou sm has ny of tho Laba concrete concrete is covered com Insties bet ned tha the most moisture-s point out how one of ent a floor covering period t Mold ironm as subexpert, hea rough ensitive constructio via ental a restoration material with low with organi and ma termi il. Th t when specific withou materials – both and a flonm Lin k technician env ves n him permeability. Concrete during vir oor-coverin g contracoor tural tact tor, you is often viewed tly ser Enget point, might in rewetting conditions construction and to spo ered tha held for be killed tions for con of Na ted ind ren similar responses, as a less oor can porous, consistent, h cur ld Ind , such as a flood but predictable and – is so misunderst sident tam ina bott you’re You likely to get three the just as discov old and ia cou er applica uids suc absorptive type nonpre for uncil. Ab completely ood ter material when and from con Dr. answers. ittee different sometimes dangerousl and overlooked, Co thresh the bac wine. Lat other liq compared or y with cy. s mm other building y so, when it comes materials. This directsample l effica e Co Qualit D.I began searching for to drying. time, ng the included rect perception incorthe answer almost bia lytical al agi Scienc oor Air -MOL26 years ago, often leads to concrete Fortunately, I and my quest continues ana iologic imicro Basic Ind 6) 252 dam rization ing overlooked behave the ant always can this rob in the is to day. My passion the drying process been of the eri belief that, if for ir of D. mic at (86 pasteu as G Concrete: Whe n Do You Kno W Abou 16 t the Autho Res to r at Am ne tt, Ph. is of cesses e, cha the pho Abboin ana lysand pro mm itte pter of or by m n P. s ts 0 Co local chalab.co Sea cia lize producRC S52 a old of spe IIC or for lin km testingfor the direct atu ral a ir cha and is ww w.n , tute b site We 07 the g 20 r ion & Rem edi at i o n | Spr in w it’s Dry ? for concrete came and, you can’t a result, can lead at a young age, to replenishment ly don’t join them, beat them, certainwhen the little moisture, floor of but instead find bugger seemed to start failure and, worse why you can’t controlling my source of moisture still, a beat them. Unfortuna out fate more than ever before, for though, at the tely, as First and foremost, mold. end of the day installations started our floor covering most of you must realize what I’ll give you to fail as a result that no concrete will moisture. Prior is created equal, of tions than answers, result in more questo this, I’d been and in no way should but this is not safe and happy for years. it be always a bad thing. If But sistently produced compared to a conwe keep asking tions were implement when EPA regulastructural material, questions and comparing such as drywall. ed, and the budget notes, perhaps considerations Here are a few one day we will find the and fast-track constructio facts to remember when “magic” answer. of the late 80s came placing, testing, n In that vein, let’s examine into play, installation covering and/or restoring concrete: some related research that once worked s and the posture no • Newly made of various industries I’ve searched through longer sufficed. As concrete is physically concrete and concrete on the same material not drying. comfort in knowing the years I’ve found as mature concrete Of the various • Concrete slabs building materials, brilliant company, I was in good and can be replenished crete has the potential conbut you would moisture after with think drying if no vapor frustrating sources to be one of the most tarder/barrier is reof moisture, especially present, or if it has been damaged in some way About the Author R e s to r a t i o n By Jim ars Pe on rad use ing ca inud can are ng. incl ich at – wh th e lu ox nts of ticles to th mon luta both par in on ls. ives About the Author pol e, all deep carb roso ject also en e r of )pyr to sm ied ar id ae y ob This ugh rmbe (a ch carr leased d ac rimar age. thro of se e th nu nzo ta ts an p A d be – at then nts re de ’s dam inan ber ore ity an ncer and luta dioxi storer ing tam num rest qual e a to rre nu n ca ed pol n nth y al er roge the nti g co e are der n ai in h kl clea lf, t or ow co ic et itse ou qu of to , Oth e, nit of nt adin Ther e in its rp ca ss in exam p ks id One reve spre ty. vid ith is ea ters e ro kfully e r p am w lo er t e ro br gh th ar a e, fo a d re to not p t p ch an d th is eans e pro igh , ea fire irefi ugh h e ch ered ak in deg a d al . F ro . T or an m t th e m loss I) g th nsid e. T job me from ell. lle tric hen e th ames teri l fi ing ou ces w fire art akin co on ing is so ing ly w e as elec tc hol fl in stil ok ng vi ove (Ch m not into ean ere rpet real larg ght n e ki a the the ch vi is th op se to e ily, e li n in ab es even ally turn et cl e th e ca it as ) ri you er d ch dou age issu Not ener ld carp s ar th um cles ores ut use hom m th falle wet ov G cou le ance nder vacu arti sp r. B ly c d an d am ne. e e fa to as e is rs p p old e ai on atti spon te an le d all fi ve, th d th ted ing h ther embe ing ing. sure sim Ch th u we we d re ntila is litt are arri an trea ceil and red rpet et, ck it , a ent. ow irst spew g m to th y an d ve ere ants u oke as re hen er, har ca ple sem d gr d. F ums udin in pan t? e carp st su ne. an at yo C at ap h p e th cu en t sm ba mol floo cu ncl and com righ g th ll ju ’s fi ell, kitc w r. -n her h oc Wh ligh ing, the the floo low of or al va ns (i lter ice s, in ; we’ That ? W k of in st. W s. t ugh t of t of the the h pri orm icro e fi serv cuum lean that ide. hind rin y it am fa nes on -c t ts be h d dr t th y va wit d co Par eigh over in e te ot so si refr al N m ea on ou it an om. e w all holes r. t th t. N ur bu e fo qu n a 20 rough qual ered acti ab it ou left is fres ers to ks gr mth on oo ge ou yo th to ke ntr ry fl lt ro re a ’s th th ov wor cuu ed at es ta u -fi ex or ow u n fromsulati rn d tile ! Let stuff yo er com st be co apru EPA e are to w d bl oist ying air m also d va eas. ter in e bu ol em this cost an ev it as ju t to the the H If w ave p an e m enjo e of ue isse ed ar s af hav er an probl ing uld e th hen nt h tan take of ’t h ff u t th ly upl niq es m inat ure at ov No uck t co mor d w clie por d lth don e stu abou is real a co tech spor tam ced th t m nex ow min ur im r an e hea es the th hat old ace This old con pro m star u do is n e’s d yo . It’s r ai th es. n stat for at’s W e m so pl kly. y m y un ion co ar yo IAQ yon . An area indoo tect loye atio ble ; th ren ye th er, quic te an usl orat io ar e er at d 7- lean ev life this the pro emp aniz onsi y ye sam ins a wat ore ibu evio rest stor an er ic of of in out s to ur rg sp er e nta ud m distr to pr er re rer am ity g hit ab step as yo lth O is re le ev In th co incl ento g in rop ster easu n@ sa bi rned ate ell Hea on eop ds. oke nts, n p in Imp di y, tr arso ce pri as w ld luti on p con sm luta at ca en ice etar m Pe se that pol , th rv wh in pro nt Wor r pol illi se secr at Ji ie es 20 m ed g e ge llcl Th r ai 6 y says in ticl as d ue. fu as him ag par rele n lo tiss oo of 1. ever so old ed l r- serv mai ind th eath O al h-dam ust ng. cles , ca lung ea -y ntly n edea e d WH ealt or d e lu parti rned age 28 ce ca on t, of h soot to th at bu am , a d re u por nge all p in ys th tely or d an an ). Yo R icle dy ra g sm dee A sa mple tate er Bo A SC in rate EP co irri A m s ly of ensu mer et The e in and O or ar CE Cons n (f gs els d fu e lun 20 tio t an S5 ia th en RC ssoc A Ab ou t th e Aut id es IIC A pr e stry th e th of du In is an H, rm ion CM chai orat st n, so the Re ar e . Pe He is th m 07 of co Jim ny. or ion. r 20 pa rect at te in di rpor W co | hor R es to ra tio n & R em ed ia tio Claudia Lezell is president of Inspections Too, of experts consisting Inc. and the Flooring of highly sional carpet and hard surface qualified scientists, experienced Technology Institute, networking with experience in cleaners and engineers, trained installers, certifi the floor covering certified inspectors, a team ed Surface Floor Covering Inspector and inspections industries. fi rms and instructors. She profeshas more than Certification Claudia is well Certification Committee for 26 years’ Programs for known for spearheadin wood the IICRC, and at Claudia@in g the Hard spectionstoo.com. floor covering inspectors. serving as past You can reach Claudia at (281) co-chair of the NWFA 286-5197, or e-mail her | Fa l l 20 07 ny ikes Compa w Yurchuck n dre r Str By An aste storatio e n Dis Whe isaster R the D t I was ribe wha from med to desc begin y transforwatched as I antl ’t even I can I was inst disaster. the departer of in re it und g. feeling. to victim orkers g whe co-w and got ldin buildin rescuer nds and fire, my bui red in mercial is located. my my friebattled the away from inju and the com ehouse htly grabbed I t ment one uni was slig averted, ofIt was and war my chair, the scene. on ce trol was of to dicon one pers tragedy fire was we re. Two my offi eted out were off on fi of in the an Only e. Major of relief. The the end . I I rock and we my office beat most king to , us us wor switch and in damage n kthe blaz a sigh partner ain it was actually r apparat see er a.m., ost of industr y thed tha of thin ahad I brea out at 4 t and wat , other and theiwe could ion ed way was cert later we emp ly ities soo out ct. ent – s-mind and we restorat ficial , or only the util were inta first minutes departm we arrived the air fire saster e, busines strikes, re, flood n ered that re the As into h the suff fi whe water, unate the fi a.m., the scene. 40 feet objectiv n tragedy ims of Wit my pens was fort sewer and in at 8 board up – to the shooting building. to watch for was the vict what hap ing whe g s y our cityday crew being to with But as an flame top of the I was goin tunatel thize disaster. ? e job ssday Our t ke (for n conflagra of the I though Gla of the other im is you my part-tim g, in smo an in order ion at raging od go up me, the maithe buildin the vict working technici the stat apat liveliho pany and er side of I was cy medical sitting in oth when, atch ion the com on the ce). emergenN.J. I was erwork rd a disp restorat s r was offi pap sand ster my n ove tion I hea boro, ing my us disa ed to thou (856 ) from at p.m., the next tow larm ond away hazardo complet ately 10 bio- has resp reach him ent multi-a and artm xim e nit, can and pro e scen yea rs ion. You fire dep multi-u ciat a crim over 12 fire. for the working, Jersey, stry for over y Asso lding New indu for a cial bui Rec n of Clea restorat ion rica n Biocommer Bio- n M 20 About Es & Remediat ion Jennifer Allen Reprint Manager Phone: 800.835.4398 x 2214 Fax: 818.224.8042 Email: [email protected] about the The public is still concerned were $10 milrightfully so. tion Institute, mold claims health hazards of mold, and of 2000. One mixed about the lion for the first quarter The medical industry is mold losses shot practitioners year later, first quarter dangers of mold with some 2002, mold threat, while up to $80 million. During warning of a serious health billion, and the hard evidence to loss payouts exceeded $1 others claim there is no $12 bila paralfollowing year they approached support this. Amid the confusion, take a mailed out wants to lion! To combat this, insurers ysis has set in and nobody limit caps to universal exclusions or claim stand on the issue. country. the in (CDC) Control policyholder nearly every The Centers for Disease health-related chronic respiWhile the media’s focus on agrees that individuals with of public hysdifficulty issues was the primary cause ratory disease may experience for the dracertain mediteria, there were other reasons breathing. But they dispute including: or inconclusive matic increase in mold claims, cal studies, alleging flawed with less agree that mold • More energy efficient buildings data. OSHA and the EPA some people, fresh air infiltration is an allergen and can irritate such as to say that mold • Changes in building materials but they don’t go as far as and “synthetic most docHowever, sick. particle board, OSB, you will make Finish with suppressed stucco” or Exterior Insulation tors believe those people increased risk Systems (EIFS) immune systems have an billions won in To date, there • Lawyers’ awareness of of infection from molds. litigation clinical studies bad faith or personal injury have not been adequate cally linked to between toxic • Mold exposure scientifi confirming a positive link adverse health effects W tim the Aut to r Res at i ng i na hor at i o us Ame er of own hazardo of the is the the bio- a mem ber ac.com. huck n in He is Yurc nenj@m rew He has bee sters. esce And at crim us disa pany. com hazardo ail him of bio- 1 or e-m 307-105 Rem n & e d i at ion | Fa l l 20 07 mos wh t in ith may at th suranc a fe ey by have ow e co w no do that fouge. 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