Abstract: A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.

Abstract: A continuous load beam provides a continuous load path from a roof truss of a structure to a footing of a structure. The beam has a roof truss mounting portion and an elongate spanning portion. The elongate spanning portion has a connector and a footing attachment opposite the connector. The footing attachment is configured to be connected to a structural member of the structure adjacent to the footing of the structure. The roof truss mounting portion is configured to be connected to a structural member of the roof truss of the structure. The roof truss mounting portion has a bifurcated end with spaced apart yoke arms and a truss cap pivotally connected to each of the yoke arms. The truss cap is configured to engage at least a portion of the roof truss structural member. The roof truss support portion has a connector. The roof truss mounting portion connector is configured to be releasably connected to the elongate spanning portion connector.

Abstract: A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.

Abstract: An adjustable concrete form comprises at least one tube and an adjustable stake having a post and a tube cradle. A bracket is removably connected to the tube for supporting rebar in spaced-apart relation to the excavation bottom. The bracket includes a tube engaging portion and a rebar supporting portion. The tube engaging portion is configured for connecting the bracket to the tube. The rebar supporting portion extends laterally from a proximal end connected to the tube engaging portion to a distal end spaced from the tube engaging portion.

Abstract: An adjustable concrete form comprises at least one tube and an adjustable stake having a post and a tube cradle. The tube has at least one drainage aperture providing the form with drainage. The adjustable stake is configured for adjustably supporting the tube in spaced-apart relation to an excavation bottom. The post has at least one slender end to facilitate driving the post partially into the excavation bottom. The tube cradle is configured for releasable engagement with the tube to thereby secure the tube relative to the post and to support the tube in spaced-apart relation to the excavation bottom. The tube cradle is adjustably connected to the post so that adjustment of the post relative to the cradle effectuates adjustment of the tube relative to the excavation bottom.

Abstract: A footing/foundation form with an integral drain having two substantially parallel spaced apart, serpentuitous walls. Each wall includes a plurality of hollow tubes elevated "to grade" above an excavation bottom by a stake and clip mechanism with gravel filled between the elevated tubes and the excavation bottom such that the elevated tube and gravel both engage concrete poured between the walls. The tubes are common 10-foot PVC tubes with a plurality of holes positioned away from the footing/foundation thereby providing the form with an integral drain. The stakes are preferably pieces of reinforcing bar and the clips, while quite effective, are also inexpensively manufactured.