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									                              The Learning Group
                 “Commercial Strata Insurance – Property”
                       3- Pre/Post Assessment
                    Document name: CGU_CS_Property_3_Assess_20070315.doc
                 Last updated: 11-Apr-1328-Apr-0810-Apr-07 9:21 PM12:59 PM3:45 PM


                      1.        How this document is meant to be used:

Reviewers Please Note: Please discuss this document with your project contact at The Learning
Group (02 9269 8000) before you review it. Queries directed to you will be marked with a highlight
CGU – and a question from us. Please answer as best you can.

Please make all changes with Revisions ON (Tools / Track Changes / Highlight Changes / All
boxes checked).

Please provide us with your General Comments in the space below.




    Area
                               2.        How this document works:
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   Reviewer Name          Review Date
                                        3.        Reviewer Log:
                                                                   General Comments
 Leanne McLean           16/03/07
 Carmel Mahmoud          19/03/07
                         4/4/07
 Mark Morrison           19/3/07        Leanne and Carmel…. Double check the highlighted yellow bits




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       Area                                Text                             Development Notes


 1            Pre-Assessment Offer, Identify
              Confirmation and Results Pages

 1.0          Page title: Want to try and confirm your prior               Dev: Delivered to learner
 Pre-                                                                      after completing the Module
              knowledge of this module?
 Assessment                                                                Introduction.
 Offer
              You may already have the knowledge to pass the Pre-          Yes or No buttons
              Assessment – would you like to see?
                                                                           Gfx: Generic assessment
              If you pass, you do not have to complete the entire
                                                                           images
              module and you can go straight to the Conclusion!

                     There are 10 questions.
                     You must get 100% correct to pass.
                     You will have one attempt to pass.
                     If you quit in the middle, you will not complete
                      the Pre-Assessment.

              If you’re really keen, the module materials will still be
              available for you to view, if you pass.

              What do you think?

              Yes, I’d like to try the Pre-Assessment.
              No thanks, take me to the module.

 1.1          Page title: Identity Confirmation                            Dev: Clicking I agree
                                                                           launches either the Pre or
                                                                           Post assessment
              By entering this assessment, I confirm that I am the
              person whose name appears in the CGU records as the
              learner for this module and that I will complete this
              assessment without the assistance of any other person.

              Clickable: I agree

 Msg          Choose which option you prefer…
 1.2a         Page title: Your Results                                     Dev: Record Pass in LMS


              Pre-Assessment Score: PASS

              You can go straight to the Conclusion, or if you’d like to
              review any of the activities, you can do that too!

              I’d like to go to the Conclusion.
              Return me to the Home page so I can check out some of
              the activities.

 Msg          Choose which option you prefer…




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The Learning Group                                                                                  2
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 1.2b         Page title: Your Results

              Pre-Assessment Score: Sorry, you did not pass the
              Pre-Assessment.

              You will need to complete the CGU Commercial Strata
              Property Insurance Module.

              Go to the Home page.

 Msg          Click the link to go to the Home page…

  Area                             Text                                   Development Notes


 2            Post-Assessment Introduction
              and Results Pages

 2.0          Page title: Welcome to the Post-Assessment                  Dev: Delivered to learner after
                                                                          completing the Module
                                                                          Conclusion.
              Before you start, please review the following information
              about the Post-Assessment:                                  Begin button

                                                                          Gfx: Generic assmt images
                     There are 10 questions.
                     You must get 80% correct to pass the module.
                     You can review and change any of your
                      responses before you submit your Assessment.        Dev: Reminder to include the
                                                                          identity confirmation page as
                     You will have two attempts to pass.                 indicated in 1.1
                     If you require a second attempt, some of your
                      questions may be different.
                     If you quit in the middle, an attempt will be
                      recorded.

              Are you ready to begin?

 Msg          Click Begin when you are ready…




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The Learning Group                                                                                  3
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 2.1a            Page title: Your Results                                   Dev: Review button – displays
 Pass                                                                      a popup list of questions the
 Results                                                                   learner missed along the left.
                 Correct Responses: X                                      Learner can click a question to
                 Incorrect Responses: Y                                    view the correct response and
                 Your Score: ZZ%                                           the response s/he selected.

                                                                           Question # (this is what’s
                 Post-Assessment Results: PASS                             clickable)
                                                                           On click:
                 Nice work! You’ve now completed the CGU Commercial        Question (text)
                                                                           Your response:
                 Strata Property Insurance Module.
                                                                           Correct response:

                 You can:                                                  This button should not appear
                                                                           for learners who get 100%
                       Click the Review button to see what questions      Dev: Record Pass in LMS
                        you missed;
                       Go back to the Home screen to review any part
                        of the module; or
                       Exit the module.

                 Remember you can use the Policy wording to help you
                 during the assessment.

                 We value your feedback - if you have any feedback
                 about this training module please email them to the CGU
                 Academy at CGUAcademy@iag.com.au.


 Msg             Choose which option you prefer…
 2.1b            Page title: Your Results                                  Dev: Review button – as
 Fail Results,                                                             before
 First attempt
                 Correct Responses: X
                 Incorrect Responses: Y
                 Your Score: ZZ%

                 Post-Assessment Results: You did not pass. You
                 need to get 80% to pass the module.

                 You have one more chance to try the Post-
                 Assessment.

                 Remember you can use a copy of the policy wording to
                 assist you during the assessment.

                 You can:

                       Click the Review button to see what questions
                        you missed;
                       Go back to the Home screen to review any part
                        of the module;
                       Attempt the Post-Assessment again now; or
                       Exit the module and try again later.


 Msg             Click the option you prefer…




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The Learning Group                                                                                  4
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 2.1c Fail      Page title: Your Results                                 Dev: Review button – as
 Results,                                                                before
 Second
 Attempt        Correct Responses: X
                Incorrect Responses: Y
                Your Score: ZZ%

                Post-Assessment Results: You need to get 80% to
                pass the module. Your score was not sufficient to
                complete this section, and you have used all attempts
                allocated to this assessment.

                Please contact a CGU representative for further advice
                on 1300 781 780 or email edgesupport@iag.com.au

                Click Exit to close this module.

 Msg            Click Exit to quit the module…

  Area                                Text                               Development Notes


 3              Assessment End
                                                                         Dev: Back and Next buttons.
                                                                         No feedback is revealed when
                                                                         learners complete questions.
                                                                         Learners must select a
                                                                         response before clicking next.
 3.1            Page title: Ready to Submit?
 Last page of                                                            Dev: Submit button
 any
 assessment     Before you submit your responses, you might want to go
                back and review them. To do this, click the back
                button. You can change as many responses as you
                like.

                When you’re ready, return to this page and click the
                Submit button.

 Msg            Review your responses and click Submit when you’re
                ready…



 4           Assessment Question Bank
 Messagi     The below messages are delivered to the learner
 ng
             once a question response has been selected.


 Q1          The CGU Commercial Strata Insurance policy covers
             physical loss, damage or destruction to the property
             at the business address.

             What are the two main components of cover?

                A.   Buildings (c)
                B.   Gardens
                C.   Vehicles
                D.   Personal contents
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The Learning Group                                                                                  5
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              E. Common contents (c)

 Msg      Choose the correct responses…
 Q2       A customer calls in. She has just purchased a factory
          unit and is a little confused about the Commercial
          Strata Insurance policy

          What is the main point that you tell her?

              A. Commercial Strata Insurance provides cover
                 for physical loss, damage or destruction by
                 any cause not excluded. It is important to
                 look at the exclusions so you can determine
                 what is not covered rather than what is
                 covered. (c)
              B. Customers take out Business Insurance as
                 the primary cover and then take out
                 Commercial Strata Insurance for specific
                 strata insurance needs.

 Msg      Choose the correct response…
 Q3       The property manager of Strata Plan 333b is on the
          phone with you, as the governing body will be
          meeting the next day to discuss insurance options,
          and he needs to get more information.

          “I just want to make sure I understand how much
          cover is provided for common contents.”

          What do you tell him?

              A. Common contents are not automatically
                 covered under the policy. You will need to
                 nominate a separate sum insured for
                 common contents.
              B. Common contents are automatically covered
                 up to 1% of the building sum insured, if you
                 require more cover you can nominate a
                 separate sum insured for common contents.
                 (c)
              C. Common contents are automatically covered
                 up to 10% of the building sum insured.

 Msg      Choose the correct response…
 Q4       You are talking with the manager of Strata Plan 333b    Column clicker
          about the cover for Commercial Strata. Which of
          these items would be covered under common
          contents?

              A. Indoor plants in the foyer (Covered)
              B. Plants growing in the outside gardens (Not
                 Covered)
              C. Tools and utensils of trade (Covered)
              D. Security camera (Covered)
              E. The couches in the foyer (Covered)
              F. A registered trailer that is used for
                 transporting the gardening equipment (Not
                 Covered)
              G. Carpet in the common hallway areas
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The Learning Group                                                                                  6
               12f0798d-6708-4994-b032-3e2ad927d7f4.docCGU_CS_Property_3_Assess_20070315.doc
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                 (Covered)
              H. Curtains in the reception area (Covered)
              I. The manager’s personal contents in his own
                 home (Not Covered)
              J. The exotic salt water fish in the tank sitting
                 on the reception desk (not Covered)

 Msg      Click the correct column…
 Q5       A broker has a client from a commercial strata
          property who wants to know if the following items are
          covered under the definition of building.

          Which items do you tell her are covered?

          There are four correct answers.

              A.   The poolside pump and storage room (c)
              B.   The pool and spa (c)
              C.   Vacant block of land next door
              D.   Plants, shrubs and trees
              E.   The outside awnings (c)
              F.   Building materials for $200,000
              G.   Lifts and elevators (c)

 Msg      Choose the correct responses…
 Q6       Vandals in the night. Sounds like the name of a punk
          rock group.

          But this refers to the events of the previous night,
          where vandals spray painted one of the walls of the
          Poseidon factory complex, and then proceeded to
          pull down a fence.

          Is damage to the wall and fence covered?

              A. Yes the vandalism damage is covered to the
                 fence and the wall and only one excess will
                 apply.Yes. Poseidon will need to pay
                 $100.00 excess for each and every
                 vandalism claim. (c)
              B. Yes. Both the damage to the wall and the
                 fence are covered, without any excess
                 needing to be paid.
              C. Acts of vandalism are not covered by the
                 policy; only the fence is covered.
              D. Acts of vandalism and damage to exterior
                 walls or fences are not covered.

 Msg      Choose the correct response…
 Q7       Which of these is not included in the definition of
          Documents under the Commercial Strata policy, and
          is therefore not covered?

              A. Maps, architect drawings, council plans,
                 certificates.
              B. Computer data
              C. Books of account including the petty cash
                 book
              D. Bonds, discount coupons and cheque books
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The Learning Group                                                                                  7
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                 (c)
              E. Manuscripts, graphic designs and letters

 Msg      Choose the correct response…
 Q8       A lot of the customers that you speak with have the
          same questions about what’s covered regarding
          outdoor furniture and plants, as the properties often
          have elaborate gardens and can sometimes have
          cafes or restaurants operating as part of the complex.

          Of the following, what do you tell customers are
          covered for, under the definitions of common
          contents?

              A. Plants, shrubs and trees in the building, up to
                 $2,500. (c)
              B. Plants usually in the building that have
                 temporarily been removed for re-potting, up
                 to $2,500. (c)
              C. Plants, shrubs and trees around the outside
                 of the building, in the gardens or by the
                 pools.
              D. Outside cafe chairs and tables. (c)
              E. Seating by the pool. (c)
              F. Registered ride on mower

 Msg      Choose the correct responses…
 Q9       The governing body of an inner city apartment/retail
          complex is not impressed.

          They recently had installed a shade sail to cover the
          open area next to the pool. After a particularly windy
          evening, a committee member discovered the shade
          sail had ripped and come loose from its permanent
          fixtures.

          Is the damage covered?

              A. Yes, because the shade cloth is a permanent
                 structure.
              B. Yes, because all outside coverings are
                 automatically covered under the definition of
                 building.
              C. No, because damage caused by storm,
                 tempest, rainwater, snow, sleet, wind or hail
                 to things in the open air like shade cloth are
                 excluded. (c)

 Msg      Choose the correct response…




___________________________________________________________________________________________________
The Learning Group                                                                                  8
               12f0798d-6708-4994-b032-3e2ad927d7f4.docCGU_CS_Property_3_Assess_20070315.doc
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 Q10      Jeremiah calls in from a shopping complex in
          Windsor – construction has just finished on the
          complex, and the governing body now needs to find
          suitable insurance. Jeremiah wants to know about
          cover for flooding. The complex sits at the base of
          the Colo river, and the area has flooded several
          times in the past.

          What do you tell Jeremiah?

              A. Commercial Strata excludes Flood but you
                 can request flood as a variation and
                 extension but only following authorisation by
                 a CGU Underwriter.Commercial Strata
                 excludes flood but you can take Flood out as
                 a variation and extension. (c)
              B. You can take Flood out as a variation and
                 extension; however, it only applies to building
                 and not common contents.
              C. Commercial Strata Insurance excludes flood
                 but you can take flood out automatically as a
                 variation and extension.
              D. Flood is included as a defined event in the
                 cover under the Commercial Strata
                 Insurance.

 Msg      Choose the correct response…
 Q11      The committee members of the governing body of
          the Cityscape Complex are holding an emergency
          meeting.

          The previous night, a ton of hail dumped down on the
          area, smashing the expansive glass window panels
          of the restaurant on the ground floor of the complex,
          and the glass shards damaged carpet, chairs and
          tables inside the restaurant.

          What is the complex covered for?

          There are four correct answers.

              A. Removal of the broken glass . (c)
              B. Employment of security guards to safeguard
                 the restaurant until the windows are
                 replaced, up to $25,000. (c)
              C. Damage to the carpet. (c)
              D. Damage to the chairs and tables.
              E. Damage to the glass window panels ( c )

 Msg      Choose the correct responses…




___________________________________________________________________________________________________
The Learning Group                                                                                  9
               12f0798d-6708-4994-b032-3e2ad927d7f4.docCGU_CS_Property_3_Assess_20070315.doc
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 Q12      A fire has savagely torn through a strata complex,
          leaving destruction in its wake. The governing body
          wants to know if their Commercial Strata Policy
          covers the removal of debris.

              A. Yes, in all cases.
              B. Only if Removal of Debris is selected as a
                 variation and extension.
              C. Only if the Sum Insured is not exhausted. (c)

 Msg      Choose the correct responses…
 Q13      The Melrose Court serviced professional offices are
          in a bind. One of the balconies gave way last week,
          causing damage to the office suites underneath.
          Lucky no-one was on the balcony or underneath at
          the time.

          In which situation would CGU not pay the claim?

          There are 2 correct responses

              A. Gradual deterioration and developing
                 flaws.(c)
              B. If it was shown that the construction
                 company had unlicensed builders carry out
                 the work.
              C. If it was shown that there was faulty
                 workmanship or faulty materials used. (c)
              D. If the governing body did not report the
                 balcony collapse immediately.

 Msg      Choose the correct response…
 Q14      The Underinsurance/Average clause enables CGU to         DEV: Accept
                                                                   Limit
          ______ their exposure should the CGU Customer not
                                                                   limit
          value their assets within 80% of their actual value or   LIMIT
          choose not be insure the full replacement cover on
          the policy.

          This cannot be applied if there is under 10% damage.

          limit

 Msg      Type in the missing word…




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The Learning Group                                                                                10
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 Q15      A sudden surge of water – from who knows where –
          caused the ceiling in the foyer of the Lovely View
          office and retail complex to collapse, causing
          damage to the carpets and furniture.

          Upon investigation, the cause of the problem was
          identified as a burst water pipe.

          The overall sum insured has been exhausted on
          Building and Common Contents, so which additional
          benefits will CGU pay for?

              A.   All the additional benefits
              B.   Removal of debris
              C.   Architects, legal and surveyors fees
              D.   Costs associated with identifying and
                   locating the source of the problem (c)

 Msg      Choose the correct response…
 Q16      A colleague received a call from a customer who was
          unsure of what their legal obligations were regarding
          insuring their serviced apartments. They used to live
          in Queensland, and they were wondering whether the
          same requirements apply in New South Wales.

          What do you tell your colleague?

              A. Each state and territory has specific
                 requirements regarding insurance for strata
                 properties. Customers should check that
                 their insurance meets those requirements.
                 (c)
              B. Australia has a uniform legislative
                 requirement across the states and territories.
                 What applied to the customer in Queensland
                 would also apply to them now.

 Msg      Choose the correct response…
 Q17      Which of the following Additional Benefits will only be
          paid if the sum insured selected on the application
          has not been exhausted?

          There are four correct answers.

              A.   Architects’, surveyors’ and legal fees (c)
              B.   Reinstatement of the sum insured (c)
              C.   Floor space ratio index (c)
              D.   Capital additions
              E.   Exploratory costs
              F.   Emergency accommodation
              G.   Removal of debris (c)
              H.   Rewriting of records (c )

 Msg      Choose the correct responses…
 Q18      Rumble in Redfern – No, that’s not the name of the
          latest Kung Fu movie. It was the freakish earthquake,
          measuring 2.3 on the Richter scale, which disturbed
          the Shopping centre retailers sweet dreams.

___________________________________________________________________________________________________
The Learning Group                                                                                11
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          It was no sweet dream the next day, when the
          manager of the complex was carrying out an
          inspection and discovered cracks in the foundations
          he had not noticed before. He calls to find out if the
          damage is covered and is told he can sleep easy –
          yes, it’s covered. Is this correct?

              A. Yes. We cover all damage relating to
                 earthquakes, regardless of the amount of
                 damage.
              B. Yes. We cover damage relating to
                 earthquakes; however, the customer must
                 pay the first $20,000 or 1% of the sum
                 insured, whichever is the lesser. (c)
              C. Yes. We cover damage relating to
                 earthquakes; however, the customer must
                 pay the first $20,000 or 1% of the sum
                 insured, whichever is the greater.
              D. No. We do not cover damage relating to
                 earthquakes, in any circumstances.

 Msg      Choose the correct response…
 Q19      True or False?

          Where an automatic sprinkler system is installed and
          owned by the customer, or where they are
          responsible for the operation or maintenance of the
          system, it is a condition of the Property section that
          the property is protected by an approved installation
          of automatic sprinklers, automatic external alarm
          signal and automatic alarm signal connected with a
          Fire Brigade Station or other approved monitoring
          organisation.

              A. True (c)
              B. False

 Msg      Choose the correct response…




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The Learning Group                                                                                12
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 Q20      The Poseidon Retail Complex has suffered a
          vandalism event, leaving one of the walls spray
          painted and a damaged fence.

          Which of the following would Poseidon need to do in
          the event they make a claim?

          There are four correct answers.

              A. Advise details and send written confirmation
                 with 14 days.
              B. Advise details and send written confirmation
                 with 30 days. (c)
              C. Retain the damaged property for inspection
                 by CGU. (c)
              D. Advise the nearest Police station and obtain
                 a police report if requested. (c)
              E. Advise CGU of any impending prosecution of
                 the vandals. (c)
              F. Make sure the wall has been re-sprayed and
                 the fence fixed first.

 Msg      Choose the correct responses…
 Q21      Regarding the underinsurance/average clause, in the
          event of damage, CGU will not be liable for more
          than that proportion of the damage which the sum
          insured on buildings, common contents and specified
          items at the situation, at the time of damage bears to
          ____ of the full insurable value of such buildings,
          common contents and specified items.

              A.   20%
              B.   50%
              C.   80% (c)
              D.   90%

 Msg      Choose the correct response…
 Q22      Where a unit that is occupied as a residence by the
          owner is unable to be lived in as a result of damage,
          what will CGU pay for?

          There are two correct answers.

              A. An amount equal to the amount that the unit
                 could have been rented for, until the unit
                 becomes fit to be lived in. (c)
              B. An amount equal to the amount that the unit
                 could have been rented for, for a period of no
                 more than twelve months.
              C. The reasonable costs and expenses
                 necessary to remove, store, and return a unit
                 owner’s contents. (c)
              D. Costs associated with interior decorators,
                 painters, and other contractors.

 Msg      Choose the correct responses…



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The Learning Group                                                                                13
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 Q23      It’s freezing in the pool at the Friendly Folks
          Complex for the over 60’s. Normally, the pool is a
          perfect 28 degrees. But something has happened
          and the temperature device must be broken – it’s
          now just 24 degrees.

          It is a hot topic of conversation during the strata
          meeting, that’s for sure. The strata manager calls you
          to find out if the broken device is covered. What do
          you say?

              A. I’m sorry, but any malfunction of temperature
                 controlling equipment is not covered. (c)
              B. Yes, it is covered, but only with a variation
                 and extension.
              C. It would be covered because its accidental
                 damage and the policy covers any event
                 unless it’s excluded.

 Msg      Choose the correct response…
 Q24      Your manager likes to pop his head in every now and
          then and give you a spot quiz. You see him coming
          and wonder what the question will be…

          “Hi there. Now, think quick! A watercolour painting
          hanging in the foyer of a Strata Complex– would this
          be covered under common contents or buildings, or
          would the customer need to specify it in the
          schedule?”

          You say…

              A. It is covered under the definition of common
                 contents, up to any value.
              B. It is covered under the definition of common
                 contents, but if it is worth more than $5,000
                 the customer may wish to specify it
                 separately under specified items. (c)
              C. It is covered under the definition of buildings
                 up to the full amount.
              D. It is not covered in the Property section, but
                 may be in another section for theft only.

 Msg      Choose the correct response…
 Q25      CGU will pay for all the Additional Benefits regardless
          of whether or not the sum insured shown on the
          schedule has been exhausted.

              A. True
              B. False (c)

 Msg      Choose the correct response…




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The Learning Group                                                                                14
               12f0798d-6708-4994-b032-3e2ad927d7f4.docCGU_CS_Property_3_Assess_20070315.doc
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 Q26      Roy – a disgruntled committee member – went on a
          stealing rampage at the Blue Lagoon Resort before
          graffiti-ing the front wall and absconding in his ute to
          the outback.

          The governing body tallied their losses the next day.
          Which of the losses would they be covered for?

          There are five correct answers.

              A. Gardening shears, stolen from the storeroom
                 (c)
              B. Pool Umbrella’s(c)
              C. A residents towel off the clothes line.
              D. A case of beer from the bar.
              E. A chair from the front foyer. (c)
              F. The graffiti on the wall. (c)
              G. Building materials up to $10,000. (c)

 Msg      Choose the correct responses…
 Q27      An investigation into a ceiling collapse in the foyer of
          the Lovely View retail and office complex found that
          the cause of the problem was a burst water pipe.

          The collapse damaged the carpets and some
          furniture in the foyer, not to mention the ceiling.

          What would be covered under the policy?

          There are three correct answers.

              A.   Carpets (c)
              B.   Furniture (c)
              C.   Repair of the pipe
              D.   Repair of the collapsed ceiling (c)

 Msg      Choose the correct responses…
 Q28      An infestation of termites has eaten through the
          beams of the ceiling in the outdoor bar of a resort,
          causing them to deteriorate and break.

          Are repairs to the ceiling covered under the Property
          policy?

              A. Yes. The Property section covers damage
                 caused by insects.
              B. No. The Property section does not cover
                 damage caused by insects. (c)

 Msg      Choose the correct response…




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The Learning Group                                                                                15
               12f0798d-6708-4994-b032-3e2ad927d7f4.docCGU_CS_Property_3_Assess_20070315.doc
                         11/04/2013 9:21:00 PM10/04/2007 3:54:00 PM3/04/2007 1:21:00 PM
 Q29      For buildings awaiting demolition, what will CGU
          pay?

              A. CGU will pay the customer the salvage value
                 of the damaged building materials. (c)
              B. CGU will pay the customer the salvage value
                 of the damaged building materials, plus 10%.
              C. CGU will pay the customer the ‘as new’ cost
                 of the damaged building materials.
              D. CGU will not pay for any costs associated
                 with buildings awaiting demolition.

 Msg      Choose the correct response…
 Q30      What is the limit of our total liability during any one
          period of insurance or for any claim arising out of one
          event or series of events arising directly or indirectly
          from one source or original cause?

              A. It will not exceed for each item specified in
                 the schedule, the sum insured shown for that
                 item. Additional Benefits are only paid if the
                 sum insured has not been exhausted.
              B. It will not exceed for each item specified in
                 the schedule, the sum insured shown for that
                 item. We will also pay any amounts provided
                 for under Additional Benefits 1 to 3. (c)
              C. It can exceed the sum insured for specified
                 items if no Variations and Extensions are
                 taken out.
              D. It can exceed the sum insured for specified
                 items as long as no Additional Benefits are
                 claimed.

 Msg      Choose the correct response…

          Please finish your review here…




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The Learning Group                                                                                16
               12f0798d-6708-4994-b032-3e2ad927d7f4.docCGU_CS_Property_3_Assess_20070315.doc
                         11/04/2013 9:21:00 PM10/04/2007 3:54:00 PM3/04/2007 1:21:00 PM

								
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