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<P style="TEXT-ALIGN: center" align=center><B><U><SPAN
style="FONT-SIZE: 18pt">Timothy's Law<I> Action Alert</I></SPAN></U></B><B
style="mso-bidi-font-weight: normal"><U><SPAN
style="FONT-SIZE: 18pt"><o:p></o:p></SPAN></U></B></P>
<P style="TEXT-ALIGN: center" align=center><B><U><SPAN
style="FONT-SIZE: 18pt">October 2006</SPAN></U></B><B
style="mso-bidi-font-weight: normal"><U><SPAN
style="FONT-SIZE: 18pt"><o:p></o:p></SPAN></U></B></P>
<P><FONT size=3>Last month, the New York State Senate unanimously passed
"Timothy's Law," (S.8482/A.12080) to provide parity in insurance coverage for
mental illnesses. The legislation, which has been sent to the Assembly, would
require insurance companies to cover most mental illnesses and would require
coverage for a broad range of mental illnesses and conditions specifically
related to children. This legislation also equalizes co-payments and
deductibles for treatment for mental illness with co-pays and deductibles for
other physical ailments. The Assembly is expected to return to <st1:City
w:st="on"><st1:place w:st="on">Albany</st1:place></st1:City> sometime before the
end of the year to pass the legislation. It is not clear whether or not
the Governor will sign the bill into law.<o:p></o:p></FONT></P>
<P><FONT size=3>While it is not everything we fought for (including the lack of
addiction services), this version of Timothy's Law will improve access to needed
mental health care for adults and children. If the Governor vetoes the
bill, New Yorkers will continue to face arbitrary restrictions on mental health
care and be forced to pay more for mental health care than they do for other
physical ailments. <o:p></o:p></FONT></P>
<P><FONT size=3>Your help is needed<B> NOW</B> to urge Governor Pataki to sign
S.8482/A.12080 into law once it reaches his desk. Tell the Governor New
Yorkers can’t afford to go without mental health care anymore. You can
contact the Governor by:<o:p></o:p></FONT></P>
<UL type=disc>
<UL type=circle>
<LI class=MsoNormal
style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 1.0in"><FONT
size=3><B>Calling</B> (518) 474-1041. Leave a message asking the
Governor to sign Timothy’s Law. <o:p></o:p></FONT></LI>
<LI class=MsoNormal
style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 1.0in"><FONT
size=3><B>Writing:</B> <BR><st1:PlaceName w:st="on">Governor</st1:PlaceName>
<st1:PlaceName w:st="on">George</st1:PlaceName> <st1:PlaceName
w:st="on">E.</st1:PlaceName> <st1:PlaceName
w:st="on">Pataki</st1:PlaceName><BR><st1:PlaceType
w:st="on">State</st1:PlaceType> Capitol<BR><st1:place w:st="on"><st1:City
w:st="on">Albany</st1:City>, <st1:State w:st="on">NY</st1:State>
<st1:PostalCode w:st="on">12224</st1:PostalCode></st1:place> </FONT></LI>
<LI class=MsoNormal
style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 1.0in"><FONT
size=3><B>Emailing:</B> Go to </FONT><A
title=http://www.timothyslaw.org/ href="http://www.timothyslaw.org/"><FONT
size=3>www.timothyslaw.org</FONT></A><FONT size=3>, click on the “Get
Involved” tab and follow the instructions from there.
<o:p></o:p></FONT></LI></UL></UL>
<P><B><U><BR><FONT size=3>Summary of Legislation:</FONT></U></B><FONT size=3>
<BR><B>COVERAGE FOR TREATMENT OF MENTAL ILLNESSES</B><BR><BR>This legislation
requires that all insurance companies cover 30 inpatient days of treatment and
20 outpatient days of treatment for all mental illnesses (30/20 benefit) and
requires that co-pays and deductibles for treatment for mental illness be equal
to co-pays and deductibles for other physical
ailments. <o:p></o:p></FONT></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><FONT
size=3>The cost to employers of 50 or less employees for the minimum 30/20
benefit will be subsidized in full by the state, in accordance with a
methodology to be developed and implemented by the Superintendent of Insurance.
<o:p></o:p></FONT></P>
<P><FONT size=3>Policies and contracts for employers of more than fifty
employees must also include full parity coverage for the treatment of
“biologically based” mental illness; defined
as schizophrenia/psychotic disorders, major depression, bipolar
disorder, delusional disorders, panic disorder, obsessive compulsive disorder,
bulimia, and anorexia. The broader parity benefit mandated for large
employer plans will be also be made available as an option for small employers
wishing to purchase such coverage. <o:p></o:p></FONT></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><B>COVERAGE FOR
CHILDREN WITH MENTAL ILLNESS</B><BR><BR>In addition, the agreed upon legislation
requires insurance coverage for children under age 18 with attention deficit
disorder, disruptive behavior disorders or pervasive development disorders where
there are serious suicidal symptoms or other life-threatening self-destructive
behavior; significant psychotic symptoms (hallucinations, delusion, bizarre
behaviors); behavior caused by emotional disturbances that placed the child at
risk of causing personal injury or significant property damage; or behavior
caused by emotional disturbances that placed the child at substantial risk of
removal from the household.<BR><BR>The state Insurance Department and the
Office of Mental Health are also required to conduct a two year study to
determine the effectiveness and impact of mental health parity legislation in
New York and other states. When enacted, the legislation will take effect
January 1, 2007 and sunset on December 31, 2009, to provide for an opportunity
to amend the law based on the findings<SPAN
style="COLOR: navy">.</SPAN><o:p></o:p></FONT></P>
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size=3> </FONT></o:p></P>
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size=3> </FONT></o:p></P>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><STRONG><U><SPAN
style="FONT-SIZE: 18pt">IN THE NEWS:</SPAN></U></STRONG><o:p></o:p></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><STRONG><SPAN
style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><o:p> </o:p></SPAN></STRONG></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><STRONG>Timothy's
Law: Senate Deal a Good Start, Old Prejudices Die Hard.
</STRONG>Editorial</FONT><B><BR></B><FONT size=3><EM>The <st1:City
w:st="on"><st1:place w:st="on">Ithaca</st1:place></st1:City> Journal</EM>,
September 27, 2006<o:p></o:p></FONT></P>
<P><FONT size=3>That is why the sound of such inherited barriers to reason
getting ready to crumble should ring as a cause for
celebration.<o:p></o:p></FONT></P>
<P><FONT size=3>So it is with the recent special session of the state Senate and
the passage of a compromise version of Timothy's Law. For those who have lost
track of the many legislative initiatives named after victims, the law is named
after 12-year-old Timothy O'Clair, a <st1:City w:st="on"><st1:place
w:st="on">Schenectady</st1:place></st1:City> boy who committed suicide after his
parents fought for years to get him adequate mental health care. The family's
insurance coverage was limited, and the last-minute desperate attempt get
Timothy care by relinquishing custody to the state proved too
late.<o:p></o:p></FONT></P>
<P><FONT size=3>No family, no one, should find themselves in such a position or
have to make such a choice.<o:p></o:p></FONT></P>
<P><FONT size=3>But years of negative stereotypes about mental illness still
cling to us, and insurance companies less than eager to weaken profits have been
reluctant to alter that norm. If a person is diagnosed with a heart ailment
rooted in a physical imperfection in that organ, treatment is generally
undertaken and continues until full recovery or a long-term maintenance plan is
set. Insurance companies follow all the way along. If someone is diagnosed with
bipolar disorder, an ailment rooted in a physical imperfection in the brain,
treatment is too often refused or limited, regardless of the health impact of
that policy. Old notions that mental health issues are a defect in character,
rather than a flaw in brain function, have long buried that health care
disparity under a cloak of shame.<o:p></o:p></FONT></P>
<P><FONT size=3>With its passage of Timothy's Law, the Senate has helped change
that. The law sets minimum outpatient and inpatient visit insurance standards
for everyone. In addition to assisting small businesses meet any potential added
costs, it broadens the scope of coverage large employers must provide to adults
and at-risk children — including health issues such as major depression and
panic disorders, illnesses long dismissed as an indulgence to the weak
willed.<o:p></o:p></FONT></P>
<P><FONT size=3>It is far from a perfect package. Too little is done to address
addictive disorders such as alcoholism and substance abuse — diseases with deep
physical roots also long dismissed as indulgences of the weak willed. An earlier
Assembly-backed version of the bill included this coverage, but this compromise
version does not. The bill also has a three-year sunset built in, ostensibly to
give state lawmakers time to get feedback on cost. While that's a smart
precaution, proponents of the bill, including several business organizations,
have argued that recovering the lost worker productivity due to untreated mental
health issues will more than offset a modest rise in insurance
cost.<o:p></o:p></FONT></P>
<P><FONT size=3>Still, this Timothy's Law is an important first step, and the
Assembly should return before year's end to approve it in that house. Breaking
down this barrier is essential, and long overdue, and experience will no doubt
allay fears and allow for careful expansion to include the lost
provisions.<o:p></o:p></FONT></P>
<P><FONT size=3>Likewise, outgoing Gov. George Pataki should get his pen ready
for this final legislative gesture. While Pataki has proven himself no ready
champion of mental health issues, it would be his greater political ambitions
that would suffer the long-term disability — an inhumane shadow cast over his
final days in <st1:City w:st="on"><st1:place
w:st="on">Albany</st1:place></st1:City> that the would-be president might find
voters unwilling to treat.<o:p></o:p></FONT></P>
<P><BR><FONT size=3> <STRONG>Mental Health Insurance Law Passes.
</STRONG>By Patrick L. Fanelli.</FONT><B><BR></B><FONT size=3><EM>The <st1:City
w:st="on"><st1:place w:st="on">Jamestown</st1:place></st1:City>
Post-Journal</EM>, October 4, 2006<o:p></o:p></FONT></P>
<P><FONT size=3><st1:City w:st="on">ALBANY</st1:City> — <st1:State
w:st="on"><st1:place w:st="on">New York</st1:place></st1:State> health insurance
companies have always drawn a line between physical and mental disorders,
covering fewer expenses for patients suffering from severe depression,
schizophrenia and other mental illnesses.<o:p></o:p></FONT></P>
<P><FONT size=3>That began to change when Timothy O’Clair, a resident of
<st1:City w:st="on"><st1:place w:st="on">Schenectady</st1:place></st1:City>,
committed suicide only seven weeks before his 13th
birthday.<o:p></o:p></FONT></P>
<P><FONT size=3>Now, with ‘‘Timothy’s Law’’ having passed the state Senate two
weeks ago, many health insurance providers will soon be forbidden to make that
distinction again.<o:p></o:p></FONT></P>
<P><FONT size=3>‘‘Mental illness is a brain disorder. The brain is an organ of
the body,’’ said Jeff Keller, National Alliance on Mental Illness state deputy
director. ‘‘However, it’s ironic that it’s an organ that we all use to work, but
in employee health plans it’s the only one that is arbitrarily
limited.’’<o:p></o:p></FONT></P>
<P><FONT size=3>Timothy’s Law will require health insurance providers and HMOs
to cover treatment for mental health disorders the same way physical disorders
are covered, according to Keller.<o:p></o:p></FONT></P>
<P><FONT size=3>‘‘If you have severe depression, the way it goes now is for most
health insurance companies, the industry standard is 20 outpatient days and 30
inpatient days (a year),’’ Keller said. ‘‘If you have a severe illness, the
problem is if you run out of visits, you’re done. There is nothing you can
do.’’<o:p></o:p></FONT></P>
<P><FONT size=3>On the other hand, if a patient suffers from a kidney disorder,
‘‘you don’t get 20 dialysis treatments a year. You get what you need,’’ Keller
explained.<o:p></o:p></FONT></P>
<P><FONT size=3>An estimated 1,100 Chautauqua County residents suffer from
severe and persistent mental illness.<o:p></o:p></FONT></P>
<P><FONT size=3>Timothy O’Clair, who suffered from a very severe emotional
disorder, was only 12 when he hung himself in his bedroom closet. Timothy’s
parents struggled to pay for the treatment Timothy needed for years, even though
his father — who worked for the state Thruway Authority — was covered through
both the MVP and Capital District Physicians health care
plans.<o:p></o:p></FONT></P>
<P><FONT size=3>‘‘The problem is people run out of their benefits,’’ Keller
said. ‘‘He was so severely depressed that at one point the parents had to
literally give him up to the state, so as a ward of the state, he could go on
getting treatments. It was the only way they could do
it.’’<o:p></o:p></FONT></P>
<P><FONT size=3>Tom and Donna O’Clair, Timothy’s parents, began fighting to end
discrimination against mentally ill patients by the health insurance industry.
In fact, Mr. O’Clair became chairman of the Timothy’s Law
Coalition.<o:p></o:p></FONT></P>
<P><FONT size=3>‘‘Today is a landmark day for New Yorkers suffering with mental
illness and disorders. It’s a wonderful testament to what the Legislature can
accomplish when they work together, and a heartfelt tribute to Timothy,’’ Mr.
O’Clair told reporters shortly after the state Senate announced they had passed
Timothy’s Law.<o:p></o:p></FONT></P>
<P><FONT size=3>The law still needs to pass the state Assembly, which has
approved it numerous times before just to have it die in the Senate. Keller
explained the Senate’s version is a compromise — once the Assembly agreed to
drop a provision requiring alcohol and drug treatment coverage, the Senate
agreed to pass it.<o:p></o:p></FONT></P>
<P><FONT size=3>‘‘The next time we are in session, we will effectuate that
agreement, whether it’s the end of the year or the beginning of next year,’’
Assembly Speaker Sheldon Silver, D-Manhattan, told reporters last
week.<o:p></o:p></FONT></P>
<P><FONT size=3>‘‘The Assembly is going to pass it. The majority leader has
promised it. And the way it works in <st1:City w:st="on"><st1:place
w:st="on">Albany</st1:place></st1:City>, if the majority leader says it will
pass, it will pass,’’ Keller said. ‘‘Our worry is the governor will veto
it.’’<o:p></o:p></FONT></P>
<P><FONT size=3>However, <st1:State w:st="on"><st1:place w:st="on">New
York</st1:place></st1:State> state will likely have a new governor by the time
the Assembly passes Timothy’s Law. Even if it is vetoed, the Legislature would
likely have the votes to override.<o:p></o:p></FONT></P>
<P><FONT size=3>Timothy’s Law applies to employee health insurance plans,
according to Keller — though exemptions are offered to employers with less than
50 employees.<o:p></o:p></FONT></P>
<P><FONT size=3>Assemblyman Bill Parment, D-Harmony, was out of the country and
could not be reached for comment — though he voted in favor of Timothy’s Law the
last time it came before the Assembly. <BR> <o:p></o:p></FONT></P>
<P><STRONG><FONT size=3>N.Y. Advocates Encouraged by Senate Passage of MH
Parity</FONT></STRONG><B><BR></B><FONT size=3><EM>Mental Health Weekly</EM>,
October 9, 2006<o:p></o:p></FONT></P>
<P><FONT size=3>Following several years of intense advocacy, New York mental
health advocates may be getting one step closer to achieving parity in insurance
coverage for mental illnesses, after last month’s unanimous Senate passage of
the parity bill known as Timothy’s Law.<o:p></o:p></FONT></P>
<P><FONT size=3>The <st1:State w:st="on"><st1:place w:st="on">New
York</st1:place></st1:State> bill reflects an agreement with the state Assembly
that was reached at the end of the regular legislative session in June. The
Assembly has pledged its commitment to pass the legislation when it returns
after the fall elections. If Gov. George Pataki signs the bill, <st1:State
w:st="on"><st1:place w:st="on">New York</st1:place></st1:State> would join about
37 states with some form of mental health parity, according to
advocates.<o:p></o:p></FONT></P>
<P><FONT size=3>Advocates say their only disappointment is that the legislation
does not expand coverage for chemical dependency treatment; however, they vow to
continue the fight for that in the future.<o:p></o:p></FONT></P>
<P><FONT size=3>On the federal side, discussion of the need for comprehensive
mental health parity is heating up again, as some leading supporters in Congress
filed a petition last week to demand a vote on their mental health/substance-use
parity bill (see story on page 4).<o:p></o:p></FONT></P>
<P><FONT size=3>The <st1:State w:st="on"><st1:place w:st="on">New
York</st1:place></st1:State> legislation is named for 12-year-old Timothy
O’Clair, who committed suicide in 2001, seven weeks before his 13th
birthday.<o:p></o:p></FONT></P>
<P><FONT size=3>The legislation requires that adults and children with
biologically based mental illnesses — including schizophrenia/psychotic
disorders, major depression, bipolar disorder, panic disorder,
obsessive-compulsive disorder and other conditions — receive the same health
care coverage benefits as those provided for any other physical ailments.
Insurance companies would be required to cover 30 inpatient days of treatment
and 20 outpatient days of treatment for all mental illnesses per
year.<o:p></o:p></FONT></P>
<P><FONT size=3>The parity bill would also require the state insurance
department and the state Office of Mental Health (OMH) to conduct a two-year
study to determine the effectiveness and impact of mental health parity
legislation in <st1:State w:st="on"><st1:place w:st="on">New
York</st1:place></st1:State> and other states.<o:p></o:p></FONT></P>
<P><FONT size=3>The legislation would require insurance coverage for children
under age 18 with attention-deficit disorder, disruptive behavior disorders or
pervasive development disorders where there are serious suicidal symptoms or
other life-threatening self-destructive behavior; significant psychotic
symptoms; or behavior<o:p></o:p></FONT></P>
<P><FONT size=3>caused by emotional disturbances that place the child at risk of
causing personal injury or significant property damage.<o:p></o:p></FONT></P>
<P><FONT size=3>“I support parity,” Sharon E. Carpinello, RN, Ph.D.,
Commissioner of OMH, told MHW. “I am especially concerned about children.
Children should not suffer because of disparities in health insurance
coverage.”<o:p></o:p></FONT></P>
<P><FONT size=3>Mental health advocates remain optimistic that Pataki will sign
the bill into law once the state Assembly approves it. “We’re on the cusp of
having it done,” Shelly Nortz, deputy executive director for policy with the
Coalition for the Homeless in <st1:State w:st="on"><st1:place w:st="on">New
York</st1:place></st1:State>, told MHW. “It’s a long-fought battle. It’s a good
package; it’s not everything we want — it does not include unlimited coverage
for addiction.”<o:p></o:p></FONT></P>
<P><FONT size=3>Nortz added, “A compromise in negotiations greatly disappointed
all parties in our campaign.”<o:p></o:p></FONT></P>
<P><FONT size=3>The legislation will help reduce Medicaid costs and increase
worker productivity rates dramatically, said Nortz. “That’s why large
corporations offer a parity benefit to their employees,” she said. “It helps the
bottom line. They do it automatically.” <o:p></o:p></FONT></P>
<P><FONT size=3>Timothy O’Clair’s father, Tom O’Clair, said he is encouraged by
the Senate passage. “The Senate passing the bill unanimously was a huge relief,”
O’Clair told MHW. “I’m thrilled, because [the Senate] has been a stumbling block
for so many years in moving us forward,” he said. “It’s a pared-down version;
however, it is still a huge stepping stone toward moving it
forward.”<o:p></o:p></FONT></P>
<P><FONT size=3>O’Clair said he is confident that the Assembly will pass the
bill and that Pataki will subsequently sign it. “I have been given the promise
of the Assembly Speaker [Sheldon Silver]. That holds a lot of weight with
me.”<o:p></o:p></FONT></P>
<P><FONT size=3>O’Clair added, “I would hate to think that a governor who has
built his reputation on child treatment issues would not want to sign
it.”<o:p></o:p></FONT></P>
<P><FONT size=3>“All eyes are looking to <st1:State w:st="on"><st1:place
w:st="on">New York</st1:place></st1:State> for what the governor will do,”
Harvey Rosenthal, executive director of the New York Association of Psychiatric
Rehabilitation Services, told MHW. “We have another month before we find
out.”<o:p></o:p></FONT></P>
<P><FONT size=3>Push for chemical dependency treatment<o:p></o:p></FONT></P>
<P><FONT size=3>The Assembly’s version of Timothy’s Law originally included
substance abuse coverage; however, in negotiations with the Senate, lawmakers
dropped that provision, Michael Polenberg, director of policy and advocacy for
the Coalition of Voluntary Mental Health Agencies in <st1:State
w:st="on"><st1:place w:st="on">New York</st1:place></st1:State>, told
MHW.<o:p></o:p></FONT></P>
<P><FONT size=3>“It’s been a long battle,” Polenberg said. “We also view it as
incomplete; it excludes coverage for substance abuse treatment, which we think
is important. We’re going to work in the year ahead for people battling
addiction disorders.”<o:p></o:p></FONT></P>
<P><FONT size=3>Phillip A. Saperia, executive director of the Coalition of
Voluntary Mental Health Agencies in <st1:State w:st="on"><st1:place
w:st="on">New York</st1:place></st1:State>, told MHW that he was also
disappointed over the lack of coverage for addiction and substance use.
“Chemical dependency should be covered in full as every other physical illness
is covered,” said Saperia. “We will be in <st1:City w:st="on"><st1:place
w:st="on">Albany</st1:place></st1:City> this year for addiction
issues.”<o:p></o:p></FONT></P>
<P><FONT size=3>Saperia added, “It is an incredibly wonderful first step. We
have this legislation. Let’s move on to the next step and make sure we cover
people with chemical dependency as well.”<o:p></o:p></FONT></P>
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size=2><FONT size=2><FONT color=#0000ff><SPAN class=140590418-10042006><FONT
face="Times New Roman" size=2><SPAN
class=100202622-15092006></SPAN></FONT></SPAN></FONT></FONT></FONT></SPAN></SPAN></SPAN> </P></DIV></DIV>
<DIV dir=ltr align=left><SPAN><SPAN class=631571017-24032006><SPAN
class=454481620-02052006><FONT face=Arial size=2><FONT size=2><FONT
color=#0000ff><SPAN class=140590418-10042006><FONT size=4><SPAN
class=100202622-15092006></SPAN></FONT></SPAN></FONT></FONT></FONT></SPAN></SPAN></SPAN> </DIV>
<DIV dir=ltr align=left><SPAN><SPAN class=631571017-24032006><SPAN
class=454481620-02052006><FONT face=Arial size=2><FONT size=2><FONT
color=#0000ff><SPAN class=140590418-10042006><FONT size=4><STRONG><U>HAVE
A FRIEND WHO YOU THINK MIGHT WANT TO JOIN TIMOTHY'S
TEAM?</U></STRONG></FONT> </SPAN><SPAN
class=140590418-10042006> </SPAN></FONT></FONT></DIV>
<P>
<FORM name=form1 action=http://www.kilakwa.net/cgi-bin/cgiemail/tt.txt
method=post>
<TABLE width=350 border=0>
<TBODY>
<TR>
<TD colSpan=2><FONT face="Arial, Helvetica, sans-serif">Refer A
Friend</FONT></TD></TR>
<TR>
<TD><FONT face="Arial, Helvetica, sans-serif">Friend's Name: </FONT></TD>
<TD><FONT face="Arial, Helvetica, sans-serif"><INPUT id=fname name=fname>
</FONT></TD></TR>
<TR>
<TD><FONT face="Arial, Helvetica, sans-serif">Friend's Email: </FONT></TD>
<TD><FONT face="Arial, Helvetica, sans-serif"><INPUT id=femail2
name=femail> </FONT></TD></TR>
<TR>
<TD><FONT face="Arial, Helvetica, sans-serif">Your Name: </FONT></TD>
<TD><FONT face="Arial, Helvetica, sans-serif"><INPUT id=name2 name=name>
</FONT></TD></TR>
<TR>
<TD><FONT face="Arial, Helvetica, sans-serif">Your Email:</FONT></TD>
<TD><FONT face="Arial, Helvetica, sans-serif"><INPUT id=email2 name=email>
</FONT></TD></TR>
<TR>
<TD>
<DIV align=right><FONT
face="Arial, Helvetica, sans-serif"></FONT></DIV></TD>
<TD><FONT face="Arial, Helvetica, sans-serif"><INPUT type=submit value=Submit name=Submit>
</FONT></TD></TR></TBODY></TABLE></FONT></SPAN></SPAN></SPAN></SPAN></SPAN><o:p></o:p></SPAN></FORM></P></BODY></HTML>