This indirect and direct language is also troubling where the list is a specialty list. If you rent a golf video I 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 industry is very diverse and what may work in one context may 9 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. Disability Insurance 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 Index. 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 have 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 below average in estimated cost. People for whom cost is not an object may want to give serious consideration to the Massachusetts Mutual DP 186, or one of the Massachusetts Mutual policies not included in this project. The DP 186 rated as his as the Guardian NC75-A in ewability and definition of disability, and some of the other Massachusetts Mutual policies incorporate as standard features many of the riders we consider useful. MARCH 1983 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 special or Tammy meme MAILING PREFERENCE We occasionally make our customer list available to carefully screened companies whose products or services we feel may interest you. If 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. Zip. WEEKLY SPECIALS We have special prices on selected items. Call toll free 1-800-356-9367 for our weekly specials. CUSTOMER AWARD We value your comments, ideas, thoughts, product designs and ovation. Well pay you $50 for any id you have that we use in any of ou upcoming catalogs. Submit your idea i writing to "Customer Award" attentior Nar Petersen, The Company Store. 500 Company Store Road, La Crosse, Wionsin 54601. DUPLICATE MAILING If you're receiving duplicates of our catalog. call our toll free number and t our customer representative. Or send u the mailing label from all of the differe catalogs you received from us and indicate the proper one. Use the inserted order blank or any sheet of paper. Be sure to specify by whom the order is made and to whom you would like it shipped. Specify quantity, catalog item number, color/size/pattern, other information and price. Add $3.90 for each shipping address to cover guaranteed delivery. Certain heavy/bulky items carry an additional postal amount which should be added. Air service is available. For details, check with the order clerk when you place your order. Enclose pay ment (check, money order) or credit card information. Pleas sign your name. (No C.O.D.'s, stamps or currency.) SALES TAX: For deliveries in California, 6% State Tax, 6%% in Alameda, Contra Costa and San Francisco counties. For Vermont 4% and Illinois 5% State Tax. INTERNATIONAL ORDERS: Minimum Order $25.00. Payment must be made in US funds (checks payable by a US bank), or major credit card. Add 30% to merchandise total to cover documentation and shipping by air. 42" (106cm) is the length limit. Canada Customers: no length limit. Add 40% to total ordered. We prepay Canadian Duty, Dominion Sales Tax, brokerage fees, postal charges and insure safe delivery direct to your address. We have representatives in over 20 countries to serve you. We will provide their addresses upon request. For ORVIS CATALOG MAILING LIST: If your address is incorrect, or you are moving, or you are receiving more than one copy at the same time, please send address(s) on your catalog(s) with your instructions regarding changes/correc MAIL PREFERENCE SERVICE: Orvis occasionally makes its customers' names available to carefully selected companies with offers that may be of interest to you. If you prefer not to receive such mailings, please copy your mailing label exactly and send to: Orvis Mail Preference, 10 River Road, Manchester, Vermont 05254. Or when you send in an order, make note of it on your order blank. May we send an Orvis Catalog to a friend/friends - just fill in and mail to: ORVIS, 10 River Road, Manchester, Vermont 05254. Name.. Address. City/SU/Zip [ ] Fishing/Hunting Catalogs [ ] Clothing/Gift Catalogs Name Address |