FINANCIAL SERVICES, NAMELY FINANCIAL PLANNING, CONSULTING, ANALYSIS, RESEARCH, FUNDS MANAGEMENT, BUSINESS PERPETUATION PLANNING, INDIVIDUAL ESTATE PLANNING, EXECUTIVE BENEFITS, DEFERRED COMPENSATION, RETIREMENT PLANNING, PORTFOLIO MANAGEMENT; EMPLOYEE BENEFITS, AND GROUP INSURANCE, NAMELY- HEALTH INSURANCE, LIFE, ACCIDENTAL DEATH AND DISABILITY INSURANCE, LONG AND SHORT TERM DISABILITY, DENTAL INSURANCE, FLEXIBLE SPENDING PLANS, CAFETERIA PLANS, PAYROLL DEDUCTION INSURANCE, 401(K) RETIREMENT PLANS, PENSION PLANS PERSONAL INSURANCE, NAMELY- INDIVIDUAL LIFE, DISABILITY, LONG TERM CARE, HOMEOWNERS, PERSONAL UMBRELLA AUTOMOBILE, WATERCRAFT, RECREATIONAL VEHICLES, TENANTS AND RENTERS COVERAGE; COMMERCIAL INSURANCE, NAMELY- PROPERTY, ENERGY SYSTEMS, MECHANICAL BREAKDOWN OF PRODUCTION MACHINERY, ELECTRONIC DATA PROCESSING, CRIME, GENERAL LIABILITY, PRODUCTS AND COMPLETED OPERATIONS LIABILITY, PROFESSIONAL LIABILITY, POLLUTION AND ENVIRONMENTAL LIABILITY, GARAGE and GARAGE KEEPERS LIABILITY, EMPLOYMENT PRACTICES LIABILITY, DIRECTORS AND OFFICERS LIABILITY, FIDUCIARY LIABILITY, INLAND AND OCEAN MARINE, WORKERS COMPENSATION, COMMERCIAL UMBRELLA, AIRCRAFT, BUSINESS INCOME and EXTRA EXPENSE; CONSTRUCTION INSURANCE, NAMELY- SECURITY BONDS, BUILDERS RISK/INSTALLATIONS FLOATERS, PROPERTY and CAUSALITY INSURANCE; RISK MANAGEMENT, NAMELY- LOSS CONTROL SERVICES, SAFETY MANAGEMENT CONSULTING, RISK and LOSS ANALYSIS, RISK FINANCING and EVALUATION, SELF INSURANCE PROGRAMS CLAIMS SERVICES, NAMELY- ANALYSIS, REVIEWS, IDENTIFY TRENDS, WORKERS COMPENSATION FIRST AID MEDICAL REVIEW, AUTO\ AFTERMARKET, NAMELY, AUTOMOTIVE WARRANTIES and EXTENDED SERVICES CONTRACTS, CREDIT LIFE AND DISABILITY, REINSURANCE SERVICES, THEFT DETERRENTS, DEALERSHIP PROFIT DEVELOPMENT