E xa mple: Beth was born February 18, 1972. Her employer's
provides her with coverage equal to 3 times her annual salary as of
January 1, in a nondiscriminatory group-term life insurance plan
and her salary as of 1-1-19 was $60,000, paid bi-weekly. Beth
contributes $10 per month in after-tax dollars toward the insurance
premiums.

Robert black, regional manager for ford in texas and oklahoma, faced a dilemma. the ford f-150 pickup truck was the best-selling pickup ever, yet ford's headquarters in detroit had decided to introduce a completely redesigned f-150. how could mr. black sell both trucks at the same time? he still had "old" f-150s in stock. in his advertising, mr. black referred to the new f-150s as follows: "not a better f-150. just the only truck good enough to be the next f-150." this statement represents ford's of the new f-150.