I submit for your review and approval revisions to the Health Care Professionals Rates and Rules manual. I request the effective date of January 1, 2010 for policies that are issued or renewed on or after this date. Although I've included marked pages of the manual outlining the revisions, certain changes include: 1. Revising the Risk Management Premiums section to include reference to the newly announced risk management on-line courses and the applicable credits among other minor changes; 2. Adding a Mandatory Deductions section; 3. Stating that Deductibles are available to physicians only and moving it from the state exceptions to the base section of the manual; and 4. Although Legal Defense Coverage is revised in the base section of the manual, it is deleted in its entirety in the state exceptions. If you have any questions during the review process, please let me know.