Dear REALTOR,

My colleague, Professor Joseph Coleman, and I are studying states where
errors and omissions (E&O) insurance is mandatory for real estate licensees.
You have been selected as one of 100 REALTORS in XXXX to participate in
this very brief (8 question) survey.   With so few people selected, your
answers are very important to us.  Please be candid, your responses will
only be reported in group form and your identity will not be disclosed in
our results.  If you would like an electronic copy of our results when we
have completed the study, please indicate so in question 7 below.  If you
have any questions or concerns about this survey, please do not hesitate to
contact me.  Thanks in advance for your participation.

Sincerely, James Larsen, Professor of Finance, Wright State University,
Dayton, Ohio

Instructions:

1. Press the "reply" button on your email task bar. 
2. Enter your response to each question in the appropriate spaces provided (this will shift
    our format, but not much).
3. When complete press "send." 

The Survey:

1.  Please check the one of the following that best describes how satisfied
you are with your experience with mandatory E&O insurance coverage?

Very satisfied____  Satisfied_____  Neutral____  Dissatisfied____ Very
Dissatisfied____

2.  Did you obtain your current E&O policy through your state-sponsored
program?

     YES _________  NO __________

3.  If E&O insurance was not mandatory and you could continue to obtain it
at the same premium you are currently paying, would you continue to be
covered? 

YES __________  NO _________

4.  Who pays your E&O premium?

You _______  Your broker _______  Shared by you and your broker______

5.   How long have you been in the real estate business?        _____ Years

6.  How many claims have been filed against your E&O policy?   _______

7.   Please, send me a copy of the final study results.   ________

8.  Please place any other comments you care to make here...