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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='color:#1F497D'>Done <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><b><span style='color:#1F497D'>Edward M. Whelan <o:p></o:p></span></b></p><p class=MsoNormal><b><i><span style='color:#1F497D'>Board Certified in Construction Law (Florida Bar) <o:p></o:p></span></i></b></p><p class=MsoNormal><b><span style='color:#1F497D'>Gunster, Yoakley & Stewart, P.A. <o:p></o:p></span></b></p><p class=MsoNormal><b><span style='color:#1F497D'>Direct Dial: 904-350-7172 <o:p></o:p></span></b></p><p class=MsoNormal><b><span style='color:#1F497D'><a href="mailto:ewhelan@gunster.com">ewhelan@gunster.com</a><o:p></o:p></span></b></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> fred.dudley@hklaw.com [mailto:fred.dudley@hklaw.com] <br><b>Sent:</b> Monday, December 17, 2012 1:17 PM<br><b>To:</b> Whelan, Ed; rob@friedmanpa.com; cwright@carltonfields.com<br><b>Cc:</b> liability_insurance@lists.flabarrpptl.org; bwoolard@carltonfields.com<br><b>Subject:</b> RE: [Liability Insurance] Florida Bar Insurance & Surety Committee<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='color:#1F497D'>Raise your right hand and repeat after me: I am a member in good standing of RPPTL Section!</span><o:p></o:p></p><p class=MsoNormal><span style='color:#1F497D'> </span><o:p></o:p></p><div><div style='margin-top:3.0pt'><p class=MsoNormal style='line-height:15.75pt'><b><span style='font-size:11.5pt;color:black'>Frederick Dudley</span></b><span style='font-size:11.5pt;color:black'> | </span><b><span style='font-size:10.5pt;font-family:"Georgia","serif";color:#001A63'>Holland & Knight</span></b><span style='font-size:11.5pt;color:black'><br>Board Certified Construction Lawyer<br>315 South Calhoun Street, Suite 600 | Tallahassee FL 32301<br>Phone 850.425.5668 | Fax 850.224.8832 | Cell 850.294.3471<br><a href="mailto:fred.dudley@hklaw.com"><span style='color:#002776;text-decoration:none'>fred.dudley@hklaw.com</span></a> | <a href="http://www.hklaw.com/"><span style='color:#002776;text-decoration:none'>www.hklaw.com</span></a> </span><o:p></o:p></p></div></div><p class=MsoNormal><span style='font-size:8.5pt;color:#BBBBBB'>________________________________________________<br></span><span style='font-size:8.5pt;color:#999999'><a href="http://www.hklaw.com/vcard.aspx?user=frdudley"><span style='color:#00A9E0;text-decoration:none'>Add to address book</span></a></span><span style='font-size:8.5pt;color:#00A9E0'> | <a href="http://www.hklaw.com/id77/biosfrdudley"><span style='color:#00A9E0;text-decoration:none'>View professional biography</span></a> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">liability_insurance-bounces@lists.flabarrpptl.org</a> [<a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">mailto:liability_insurance-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Whelan, Ed<br><b>Sent:</b> Monday, December 17, 2012 1:13 PM<br><b>To:</b> 'Robert Friedman'; 'Wright, Wm. Cary'<br><b>Cc:</b> <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a>; 'Woolard, Barbara C.'<br><b>Subject:</b> Re: [Liability Insurance] Florida Bar Insurance & Surety Committee</span><o:p></o:p></p></div></div><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'>Cary:</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'>Can you check to see if I am a member of this committee?  If not, what do I need to do to become one. </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'>Ed </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='margin-left:.5in'><b><span style='color:#1F497D'>Edward M. Whelan </span></b><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><b><i><span style='color:#1F497D'>Board Certified in Construction Law (Florida Bar) </span></i></b><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><b><span style='color:#1F497D'>Gunster, Yoakley & Stewart, P.A. </span></b><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><b><span style='color:#1F497D'>Direct Dial: 904-350-7172 </span></b><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><b><span style='color:#1F497D'><a href="mailto:ewhelan@gunster.com">ewhelan@gunster.com</a></span></b><o:p></o:p></p></div><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Robert Friedman [<a href="mailto:rob@friedmanpa.com">mailto:rob@friedmanpa.com</a>] <br><b>Sent:</b> Monday, December 17, 2012 1:12 PM<br><b>To:</b> 'Pence, Scott'; 'Wright, Wm. Cary'; <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a>; Whelan, Ed<br><b>Cc:</b> 'Woolard, Barbara C.'<br><b>Subject:</b> RE: [Liability Insurance] Florida Bar Insurance & Surety Committee</span><o:p></o:p></p></div></div><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'>That was a great presentation, Ed.  Cary, Fred, Michael, and Scott, I am happy to serve on a 627.4137 subcommittee and to present or write an article for the newsletter on that or any other insurance topic that you have in mind.  I would like to get more involved with this great committee, so just let me know how I can be of service.</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Robert H. Friedman</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Friedman P.A.</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>340 Royal Poinciana Way, Suite 317-202</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Palm Beach, FL 33480</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Phone: 561-800-2110</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Fax: 561-246-3413</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in;line-height:15.0pt'><span style='color:#1F497D'><a href="http://www.friedmanpa.com/" target="_blank"><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>www.friedmanpa.com</span></a></span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in;line-height:15.0pt'><span style='color:#1F497D'><a href="http://www.insurancelawflorida.com/" target="_blank"><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>www.insurancelawflorida.com</span></a></span><o:p></o:p></p></div><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">liability_insurance-bounces@lists.flabarrpptl.org</a> [<a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">mailto:liability_insurance-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Pence, Scott<br><b>Sent:</b> Monday, December 17, 2012 12:14 PM<br><b>To:</b> Wright, Wm. Cary; <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a><br><b>Cc:</b> Woolard, Barbara C.<br><b>Subject:</b> Re: [Liability Insurance] Florida Bar Insurance & Surety Committee</span><o:p></o:p></p></div></div><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Folks,</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Please click on the appropriate links below to record your attendance and/or view attendees of today’s Insurance and Surety committee meeting:</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Click here to record your attendance:  </span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'><a href="https://docs.google.com/spreadsheet/viewform?fromEmail=true&formkey=dHMtand1MVh0NS0tQ0FZZDhBbVUtRVE6MQ">Record Your Attendance</a></span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Click here to view attendees:  </span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'><a href="https://docs.google.com/spreadsheet/ccc?key=0AvGt7ZdLQyv1dHMtand1MVh0NS0tQ0FZZDhBbVUtRVE#gid=0">View Attendees</a></span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Thanks,</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Scott</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:.5in'><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><img border=0 width=190 height=53 id="_x0000_i1025" src="cid:image001.png@01CDDC59.36C20F20" alt="Carlton Fields"><br>Scott Pence</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>4221 W. Boy Scout Blvd., Ste. 1000<br>Tampa, Florida  33607-5780 <br>Direct:  813.229.4322 | Fax:  813.229.4133</span><o:p></o:p></p></div><p class=MsoNormal style='margin-left:.5in'><span style='color:#1F497D'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-left:.5in'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">liability_insurance-bounces@lists.flabarrpptl.org</a> [<a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">mailto:liability_insurance-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Wright, Wm. Cary<br><b>Sent:</b> Friday, December 14, 2012 3:59 PM<br><b>To:</b> <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a><br><b>Cc:</b> Woolard, Barbara C.<br><b>Subject:</b> [Liability Insurance] Florida Bar Insurance & Surety Committee</span><o:p></o:p></p></div></div><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Everyone:</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Attached are: (1) Agenda for the monthly call scheduled for Monday, December 17, 2012; (2) Minutes from the November 19, 2012 teleconference; (3) a copy of an Order and Motion to Intervene in the <i>Mid-Continent Casualty Company v. Clean Seas Company, Inc., et al., </i>(M.D. Fla. Mar. 20, 2012) case, which will be discussed in the CLE presentation; and (4) a copy of the <i>Axis Surplus Insurance Company v. Contravest Construction Company</i>, 2012 WL 2048303 (M.D. Fla. June 5, 2012), which will be discussed if time permits.  <b>The conference call information is: dial-in: 888-376-5050; Participant Code: 8425484201#; Moderator Code: 13137# (Moderator does not input the Participant Code).</b></span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Ed Whelan of Gunster,Yoakley & Steward, P.A. will discuss <i>Mid-Continent Casualty Company v. Clean Seas Company, Inc.</i> case.  This is an important case regarding the apportionment of damages following a jury verdict, and is very interesting.  If time permits, I will lead a discussion on The <i>Axis Surplus</i> case, which is also important because there the court held that the injury-in-fact theory, as opposed to the manifestation theory, is the appropriate trigger theory for recovery in Florida.</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoPlainText style='margin-left:.5in'>Thanks for everyone’s participation and we look forward to the call on Monday.<o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>Regards,</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>Cary and Fred</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><img border=0 width=190 height=53 id="Picture_x0020_1" src="cid:image001.png@01CDDC59.36C20F20" alt="Carlton Fields"><br>Wm. Cary Wright</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>Attorney at Law</span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Board Certified in Construction Law<br><br>4221 W. Boy Scout Blvd., Ste. 1000<br>Tampa, Florida  33607-5780 <br>Direct:  813.229.4135 | Fax:  813.229.4133<br><br></span><a href="mailto:cwright@carltonfields.com"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>cwright@carltonfields.com</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> | </span><a href="http://www.carltonfields.com/"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>www.carltonfields.com</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <br></span><a href="http://www.carltonfields.com/cwright/"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>bio</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> | </span><a href="http://www.carltonfields.com/load.vcf?type=atty&id=2f020bf2-f4cf-46aa-9ef8-d67039e0882d"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>vcard</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>    <br><br><i>Confidential: This e-mail contains a communication protected by the attorney-client privilege or constitutes work product.  If you do not expect such a communication please delete this message without reading it or any attachment and then notify the sender of this inadvertent delivery.</i> </span><o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'> <o:p></o:p></p><p class=MsoNormal style='margin-left:.5in'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'> </span><o:p></o:p></p><div style='margin-left:.5in'><div class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><hr size=3 width="100%" align=center></span></div></div><p class=MsoNormal style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Tax Advice Disclosure: To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. federal tax advice contained in this communication (including any attachments), unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any matters addressed herein. Click the following hyperlink to view the complete Gunster IRS Disclosure & Confidentiality note.<br><br><a href="http://www.gunster.com/terms-of-use/">http://www.gunster.com/terms-of-use/</a></span><o:p></o:p></p></div><p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></b></p><div class=MsoNormal align=center style='text-align:center'><b><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><hr size=2 width="100%" align=center></span></b></div><p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:black'><br>****<u>IRS CIRCULAR 230 DISCLOSURE</u>: TO ENSURE COMPLIANCE WITH REQUIREMENTS IMPOSED BY THE IRS, WE INFORM YOU THAT ANY TAX ADVICE CONTAINED IN THIS COMMUNICATION (INCLUDING ANY ATTACHMENTS) IS NOT INTENDED OR WRITTEN BY HOLLAND & KNIGHT LLP TO BE USED, AND CANNOT BE USED, FOR THE PURPOSE OF (I) AVOIDING TAX-RELATED PENALTIES UNDER THE INTERNAL REVENUE CODE, OR (II) PROMOTING, MARKETING, OR RECOMMENDING TO ANOTHER PARTY ANY TAX-RELATED MATTER HEREIN.****</span></b><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p></o:p></span></p><div class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><hr size=2 width="100%" align=center></span></div><p class=MsoNormal><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:black'><br>NOTE: This e-mail is from a law firm, Holland & Knight LLP (“H&K”), and is intended solely for the use of the individual(s) to whom it is addressed. If you believe you received this e-mail in error, please notify the sender immediately, delete the e-mail from your computer and do not copy or disclose it to anyone else. If you are not an existing client of H&K, do not construe anything in this e-mail to make you a client unless it contains a specific statement to that effect and do not disclose anything to H&K in reply that you expect it to hold in confidence. If you properly received this e-mail as a client, co-counsel or retained expert of H&K, you should maintain its contents in confidence in order to preserve the attorney-client or work product privilege that may be available to protect confidentiality.</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p></o:p></span></p></div></body></html>