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This indirect and direct language is also troubling

where the list is a specialty list.

If you rent a golf video

club list or the sailing club video tape list, you can make a fairly safe assumption as to the character of the video tape rented. The effect of this legislation will to prohibit the use of these lists unless the affirmative consent of the customer

is obtained, which is tantamount to a prohibition on the disclosure of such lists. Therefore, under the proposed

legislation, a general list may be rented but a specialty list may not. We do not see the privacy interest in renting the name of customers and their general interest as long as they have been given the opportunity through alternative consent to stop disclosure of their names in the first place.

Finally, we are extremely concerned with the

requirement in the House bill which requires a person to check

a "yes" box and return it to the direct marketing company

before his or her name may appear on a list.

Direct marketing

. companies are doing just that...marketing products and/or

services to consumers.

Any card or notice which is to be

filled out by a potential customer is very carefully designed

to promote sales. Studies have shown that non-sales related

information significantly decreases response.

This argument was made to the Privacy Commission some

ten years ago and they too agreed that the direct marketing

industr

is very diverse and what may work in one context may

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not work in another.

Therefore, the Privacy Commission

recommended flexibility in how notice and opportunity are given. Requiring a box, is we believe, an unnecessarily specific requirement to be assured that a customer has been given adequate notice. We have attached many examples of mail

preference notices and we believe that the variety of approaches demonstrated by those notices should be continued.

We also believe that our industry is the beneficiary of

the First Amendment and the developing commercial free speech

doctrines of the U.S. Constitution.

We will not detail those

arguments now, but simply state our interest for the record.

We continue to support the efforts of these Committees

in connection with privacy and look forward to your continued work. Thank you for the opportunity to testify on these

important issues.

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Disability Insurance
Continued from page 126

Another rider deserving consideration is the so-called option to purchase. As its name implies, it gives you the right (but not the obligation) to buy more Insurance in the future, usually in specified amounts at specified intervals, regardless of changes in your health. The price is usually based on your age at the time of each additional purchase.

Cost-of-living riders may also have appeal for some buyers. These adjust your benefits according to some measure of inflation, often the Consumer Price Inder. There is usually a limit to the adjustments, both per year (such as 5 percent a year) and in total (such as a 100 percent maximum increase in coverage). Benefits may be adjusted automatically each year either from the time the policy is purchased or from the time you are disabled. The Ratings indicate a few policies that bave some type of cost-of-living increase built into the basic policy. Recommendations

CU's Ratings are a basic framework for your own comparison-shopping but are not a substitute for it, for several reasons. Premium rates will vary, depending on your age and the underwriting (risk) class to which you're assigned. CU's data were gathered several months ago, and some rates may have changed since then. Most importantly, new policies, some of them innovative and attractive, continue to come onto the market.

Of the 27 policies CU examined, our clear preference goes to the Guardian NC75-A. Its provisions uniformly met CU's criteria for top ranking, and while it was more expensive than many policies, its good features outweighed the cost differences, by our measures.

People for whom cost is most important should consider the fifth-ranked Connecticut Mutual NC-83, which did well on CU's quality measures and was Wow average in estimated cost.

Pople for whom cost is not an object may wapt to give serious consideration to the Maschusetts Mutual DP 186, or one of the Missachusetts Mutual policies not included in this project. The DP 186 rated as his as the Guardian NC75-A in posewability and definition of disability, and some of the other Massachusetts Mutual policies incorporate as standard features many of the riders we consider useful

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MARCH 1983

154

Consumer Reports

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GIFT CERTIFICATE
A Company Store Gift Certificate is
always in good taste. Call or write and
specify the amount of the gift certificate
Well send our catalog, with the gift
certificate and your best wishes to a

WEEKLY SPECLALS We have special prices on selected items. Call toll free 1-800356-9367 foi our weekly specials.

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The Company Store

special

LaCrosse, WI 546019957
500 Company Store Road

CUSTOMER AWARD

We value your comments, ideas, thoughts, product designs and povation. Well pay you $50 for any id you have that we use in any of ou upc ming catalogs. Submit your idea i wring to "Customer Award' attentior Nar Petersen. The Company Store 500 Company Store Road, La Crosse, Wit onsin 54601.

MAILING PREFERENCE

We occasionally make our customer
list available to carefully screened
companies whose products or services we
feel may interest you. you do not wish
to receive such mailings, please copy
your mailing label exactly and send to:

The Company Store
Mail Preference Service
500 Company Store Road
La Crosse, Wisconsin 54601.

Thank you for your order. Fold over gummed flap and seal.

"UPLICATE MAILING If you're

receiving duplicates of our catalog. all our toll free number and our customer representative. Or send u the mailing label from all of the differe catalogs you received from us and indicate the proper one

Member
Direct Marketing Association

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Choeuterol

Counter

i

NEW DIET FOR LIVING Lose weight and lower your cholesterol with this unique three-part health kit, availa only from The Company Store. The Cholesterol Calorie Clock system, used by thousands of physicians to help their patients lose weight and lower cholesterol, is now available to our customers for a limited time. Imagine a slimmer, healthier you! The innovative Cholesterol Calorie Clock system shows you how to eat the right foods at the right times, to lose weight and lower your cholesterol intake. FI E Gift Offer - Give the gift of good health with our exclusive limited time offer on this three-part health kit. From now until Christmas, when you buy three Cholesterol/Calorie Clock kits for $9.95 each, you'll get a fourth kit absolutely FREE!

Style 12906 As our gift to you, well pay the shipping and handling charge. This unique gift will be appreciated

OUR PRICE $9.95 by anyone concerned with good health. What better way to say you are?

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10 CM AMA N and 9 volt
batteries Handheld tester is 3'' long-adjusts for all standard batteries
"replace," yellow "weak," green "good." Don't be caught with dead
ware store to test them Convenient, accurate, easy to read red means

Check your batteries quickly at home, instead of driving to the hard-
Mini Battery Tester - Saves Timo, Koops Things Running

AND USE YOUR CREDIT CARD

as you wish.
or refund your money,

We will replace it
that proves otherwise.

Return anything
to be 100% satisfactory.
Our products are guaranteed

SECOND FOLD

AMERICAN EXPRESS
VISA, MASTERCARD OR

CALL I - 802 - 362-1300
Order by Phone

Orvis Guarantee

Xters FIRST HOLD

2 or more 12.00 each

12.50

How to Order By Mail Use the inserted order blank or any sheet of paper. Be sure ORVIS CATALOG MAILING LIST: If your address is into specify by whom the order is made and to whom you would correct, or you are moving, or you are receiving more than one like it shipped. Specify quantity, catalog item number, col- copy at the same time, please send address(s) on your or/size/pattern, other information and price. Add $3.90 for catalog(s) with your Instructions regarding changes/correceach shipping address to cover guaranteed delivery. Certain

Avonopios pauwi heavy dulky items carry an additional postal amount which should be added. Alr service is available. For details, chock

MAIL PREFERENCE SERVICE: Orvis occasionally makes with the order clerk when you place your order. Enclose pay

its customers' names available to carefully selected companies

with offers that may be of interest to you. If you prefer not to ment (check, money order) or credit card information. Pleas

receive such maltines, please copy your mailing label exactly sign your name. (No C.O.D.'s, stamps or currency.)

and send to: Orvis Mail Preference, 10 River Road, ManSALES TAX: For deliveries in California, 6% State Tax. chester, Vermont 05254. Or when you send in an order, make, 64% in Alameda, Contra Costa and San Francisco counties. note of it on your order blank. For Vermont 4% and nipols 5% State Tax.

May we send novis Catalog to a friend friends - Just All INTERNATIONAL ORDERS: Minimum Order $23.00. to aod mall to: ORVIS, 10 River Road, Manchester, Ver. Payment must be made in US funds (chocks payable by a US moat 05254. bank), or major credit card. Add 30% to merchandise total to Name. cover documentation and shipping by air. 42" (106cm) is the

Address leagth limit. Coanda Customers: no length limit. Add 40% to

City/SuZip bal ordered. We prepay Canadian Duty,

Dominion Sales Tux,

(Fishing/Hunting Catalogs ( Clothing/Gift Catalogs brokerage foes, postal charges and insure safe delivery direct to your address. We have representatives in over 20 countries Name. berve you. We will provide their addresses upon request. For

Address

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