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The contents of all material available on this Website are copyrighted by American Property Casualty Insurance Association (“APCIA”) unless otherwise indicated. Copyright is not claimed as to any part of an original work prepared by a U.S. or state government officer or employee as part of that person’s official duties. All rights are reserved by APCIA and copyrighted content may not be reproduced, downloaded, disseminated, published, or transferred in any form or by any means, except with the prior written permission of APCIA and with express attribution to APCIA. Copyright infringement is a violation of federal law subject to criminal and civil penalties. APCIA is a servicemark of American Property Casualty Insurance Association.