Effective:   08/02/1995 Revisions:  01/17/1996 , 07/26/1996 , 02/05/1997 ,

03/30/1999 , 05/25/2001 , 08/16/2002 ,

01/31/2003 , 05/02/2003 , 02/17/2004 ,

02/22/2005 , 07/07/2006 , 10/19/2007 ,

10/10/2008 Updates:  02/07/2006 , 03/24/2006 , 01/11/2007 ,

03/05/2007 , 06/29/2007 , 02/12/2008