SASKATCHEWAN
Personal Lines
Automobile Manual
Aviva Insurance Company of Canada
www.avivacanada.com
PRIVATE PASSENGER – SPECIAL PROGRAMS
Driver assistance that revolves around you
SATELLITE PROGRAM
Satellite is a comprehensive emergency roadside and driver assistance program that can be added as an
endorsement to the auto policy. The program’s many features and exceptional service make it an
excellent value.
This is not a reimbursement program. A service operator will be dispatched to assist the customer at our
expense, subject to coverage limits. For access to any of the Satellite features, customers call a single
toll-free number 1-877-652-8482. Use of Satellite is not considered a claim for rating or underwriting.
Premium
Rate each vehicle individually based on its model year. Any vehicle on the policy may be selected as the
‘first vehicle’ and additional vehicles charged at the reduced rate – the total policy price will not change.
Only private passenger vehicles are eligible for this coverage. Policy discounts do not apply.
Age of vehicle
0 to 3 years
4 to 7 years
8 to 12 years
13+ years
First vehicle
$50
$75
$100
$65
Additional vehicles
$25
$50
$75
$40
Features and Benefits
ROADSIDE ASSISTANCE
Towing
Flat tire service
Battery boost
Fuel delivery
Lockout service
Extrication/winch
Towing is to the nearest repair facility within 90km and a preferred lower rate for
towing over 90km.
Will install spare tire provided it is in safe condition and will ensure correct
installation.
If the battery cannot be boosted, Satellite will arrange for towing service.
Delivers 10 litres of fuel free of charge.
Allows insured to regain access to the vehicle without incurring the costs of a
locksmith or will refund a locksmith’s receipt up to $50.
Provides one truck and one operator for 20 minutes to extricate or winch the
insured vehicle.
TRAVEL BENEFITS
Trip planning
Car rental discount
Offers a comprehensive trip routing package that includes driving directions, road
maps and points of interest along the way.
Entitles the insured to a 10% discount at Enterprise Rent-A-Car agencies across
North America. Call 1-877-267-7671 and quote CA2C2AV.
Saskatchewan
Aviva Insurance Company of Canada
1
June 15, 2006
PRIVATE PASSENGER – SPECIAL PROGRAMS
Driver assistance that revolves around you
TRAVEL BENEFITS
Lodging discount
Trip interruption
Worldwide travel and
emergency medical
advice
Satellite members receive a 10% discount on hotel accommodations at all
Choice Hotels Inc. member hotels (Sleep Inn, Comfort Inn, EconoLodge and
Quality Inn).
If the insured vehicle breaks down more than 200km from home and can’t be
driven back, Satellite will reimburse accommodation expenses incurred while
repairs are being made (limit $100 per day for 3 days).
Satellite members can call to receive important information about travel
destinations including embassy locations, travel advisories, and
currency. If medical advice is required while traveling, a referral will be given to a
medical professional within our network.
ASSISTANCE SERVICES
Ask an Expert
Live Compass
Satellite’s car experts will provide sound advice on vehicle maintenance or an
independent opinion on the cost of repairs. They will also refer the member to a
nearby repair facility, estimate the resale value of the car and answer other
vehicle related questions.
Whether the insured is stuck in traffic or construction or just plain lost, one call to
Satellite will provide directions or alternate routes to the destination.
COVERAGE LIMITS
Roadside assistance
Trip Planning
All other features
3 calls per policy per year, limited to 1 call for vehicles 13 years or older
2 packages per policy per year
Unlimited
Saskatchewan
Aviva Insurance Company of Canada
2
June 15, 2006
AUTOMOBILE EXTENSION
Index
Additional Coverage ..................................................................................................................................................6
Antique vehicles ......................................................................................................................................................14
Binding Authority .......................................................................................................................................................2
Business Use ..........................................................................................................................................................11
Cancellations.............................................................................................................................................................5
Collision ...................................................................................................................................................................13
Claims .....................................................................................................................................................................16
Classes of Vehicles ...................................................................................................................................................4
Commission ..............................................................................................................................................................1
Comprehensive .......................................................................................................................................................13
Deductible .................................................................................................................................................................5
Family Protection Endorsement ................................................................................................................................2
Farm Trucks (Heavy) ..............................................................................................................................................12
Legal Liability for Damage to Non-Owned Auto........................................................................................................8
Liability Limits ............................................................................................................................................................8
Limited Waiver of Depreciation .................................................................................................................................9
Loss of Use ...............................................................................................................................................................8
Minimum Premiums ..................................................................................................................................................1
Minimum Retained Premiums ...................................................................................................................................1
Personal Injury Protection Plan extension ................................................................................................................2
Physical Damage Coverage .....................................................................................................................................3
Pleasure Use...........................................................................................................................................................10
Policy Changes .........................................................................................................................................................5
Policy Limits ..............................................................................................................................................................2
Policy Term ...............................................................................................................................................................2
Premium Tables ......................................................................................................................................................10
Rate Groups ..............................................................................................................................................................3
Road Hazard Glass ...................................................................................................................................................4
Standard Endorsement Forms ..................................................................................................................................6
Third Party Liability – Section A ................................................................................................................................2
Trailers ....................................................................................................................................................................15
Saskatchewan
Aviva Insurance Company of Canada
1
Sept. 1 /Oct. 1, 2012
AUTOMOBILE EXTENSION
Rates in this manual are to be used for private passenger vehicles and farm trucks only.
A commercial auto rate manual is published. Refer to the commercial rate manual for commercial
vehicles, which includes desired classes of use and excess value rates.
Fleets, including vehicles registered outside of Saskatchewan, will be considered. Contact your
Underwriter.
Inquiries on specific accounts are welcome.
All Automobile Applications must be completed in full, front and back, and signed by the applicant and
agent.
At your option you can attach a driver’s abstract. You will be reimbursed for the cost of ordering these for
us. If we have to order reports for other drivers we will require a driver’s authorization form.
Rating is based on the Driver History for the preceeding five (5) years. Applicants with less than five (5)
years experience, refer to Underwriter.
Minimum Premiums
Minimum Premium for any Auto Policy is $100.
Minimum Retained Premium for any Auto Policy is $50.
Commission
New Business & Renewals
Saskatchewan
Aviva Insurance Company of Canada
-
15%
1
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Binding Authority
Brokers can bind all risks that fall within the guidelines provided in this manual. All other risks must be
referred to your underwriter.
You must have a signed application on the date coverage is bound. If the application is not signed or to
be delayed past the inception date you must notify us within 24 hours by either phone, fax or mail.
We must receive the completed signed application within five (5) working days after binding.
Policy Term
Rates and premiums in this manual or quoted are for a period of one year. For periods of less than a
year, the premium will be charged on a short rate basis.
Policy Limits
Extension Policy Limits are in excess of coverage provided by the plate insurance under The Automobile
Accident Insurance Act.
For limits not published, please apply.
Third Party Liability - Section A
-
Base Limit - $1,000,000.
Optional limits available - $2,000,000. & $5,000,000.
Family Protection Endorsement – S.S.E.F. 44
-
Included on all Private Passenger Vehicle policies.
-
Limit is the same as Section A to a maximum of $2,000,000.
Personal Injury Protection Plan extension
-
Limit is the same as Section A to a maximum of $2,000,000.
Saskatchewan
Aviva Insurance Company of Canada
2
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Physical Damage Coverage
Loss of or Damage to Insured Automobile - Section C
All Perils - this option combines the coverage of Collision or Upset and Comprehensive. This coverage
includes loss or damage caused if a person who lives in the Insured's household steals a described
automobile. Coverage also applies if an employee who drives or uses, services or repairs a described
automobile, steals it.
Collision or Upset - Covers losses caused when a described automobile is involved in a collision with
another object or tips over. Object includes:



Another automobile that is attached to the automobile,
The surface of the ground, and
Any object in or on the ground.
Comprehensive - Covers losses, other than those covered by Collision or Upset, including:




-
Perils listed under Specified Perils,
Falling or flying objects,
Missiles, and
Vandalism
Applicable to Private Passenger Vehicles and Farm Trucks.
All other Subsections apply to Commercial Vehicles, Trailers, Stated Value, Unlicensed, etc.
Deductibles may be reduced below the plate coverage.
Private Passenger Vehicles, Farm Trucks and Light Trucks are not subject to a maximum limit under
the plate coverage.
Physical Damage coverage is not available on vehicles over 15 years old.
Rating Groups
-
Rating based on driving experience for the past five (5) years.
If record unavailable, P rate will not apply.
Applicant must have had a continuous valid operators permit for the past five (5) years to qualify for
Rate Group P or A.
Applicants with any suspensions in the last 5 years – Decline.
The driving record may affect the rating, do not bind where an operator has more than 3 convictions
in 5 years.
Windshield claims are rated separately.
A claim is any loss or damage that would have been covered by a policy such as that for which is
being applied, subject to the following losses considered Non-Chargeable.
Non-Chargeable losses:




Vandalism and Hit and Run if reported to the Police within forty-eight (48) hours.
Collision with Animals & Fowl.
Wind and Hail.
Fire, Lightning and Theft.
RATE GROUP P
RATE GROUP A
RATE GROUP B
RATE GROUP C
-
No Claims of any kind, including Non-Chargeable.
1 Chargeable Claim
2 Chargeable Claims.
3 or more Claims – Not Written - Decline
Saskatchewan
Aviva Insurance Company of Canada
3
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Road Hazard Glass Coverage
Section C - Subsection 5
Group -
0, 1, 2.
Rating based on the number of Glass Claims in the past five (5) years.
Windshield Repairs not exceeding $100 are not considered chargeable.
Where application is made for Road Hazard Glass Coverage, it must be verified by the Broker that all
vehicles have windshields free of any damage.
Frequency of Non-Chargeable Claims may affect the rating.
Classes of Private Passenger Vehicles
Pleasure
- Pleasure Use only vehicles
- Light Farm Trucks
Business
- Business/Pleasure Use vehicles
- Leased vehicles (whether Business or Pleasure)
- Policies in the Name of a Corporation
- Motor Homes
Heavy Farm Trucks
- Farm Trucks over 1 Ton
Antique and Classic
- Pleasure use only
Trailers
Sub Classes -
Cabin (including Campers) & Tent
Utility & Farm
Heavy
Unlicensed
Classes Not Written
All Terrain Vehicles, Motorcycles, Snowmobiles, Racing Vehicles
Saskatchewan
Aviva Insurance Company of Canada
4
July 2003
AUTOMOBILE EXTENSION
Deductible
The deductible applies to all losses with the exception of the following:
-
Damage by Fire, Lightning or Theft of the entire vehicle
-
Collision with Animals or Fowl
Where the policy provides a $100 or $200 deductible clause:
-
If Road Hazard Glass Coverage is included - Glass repairs
Cancellations

Flat cancellations are accepted up to 30 days after renewal date.

New Policies will not be Flat Cancelled.

Mid-term cancellations at the request of the Insured are calculated on a Short Rate basis.

Cancellation requests must include the Insured's current policy Document or a signed release.

Cancellation by Registered Letter is required if a release is not available.

Broker requests for cancellation for Non-Payment of premium require a Registered Letter. Advise
what amount of premium, if any, was paid.

Cancellations by Registered Letter are calculated on Pro-Rata basis. The Broker's account will be
credited the Pro-Rata return portion of the Premium.

Policies cancelled by Registered Letter will not be reinstated.
Policy Changes
All changes to the policy that occur during the policy period are to be reported as they occur. Certain
changes will not require endorsement (eg. serial number corrections), but submitted information must be
correct and updated.
Saskatchewan
Aviva Insurance Company of Canada
5
Apr. 1 / May 1, 2006
AUTOMOBILE EXTENSION
Additional Coverage
Standard Endorsement Forms
S.S.E.F. No. 2 -
Drive Other Automobiles. Named Person(s)
Extends policy provisions to other autos.
S.S.E.F. No. 5 -
Permission to Rent or Lease.
For specified lessee.
S.S.E.F. No. 19
-
Limitation of Amount.
S.S.E.F. No. 19A -
Valued Automobile.
S.S.E.F. No. 20
-
Loss of Use.
Coverage for extra auto expense due to Insured vehicle being unavailable due to
an insured loss.
S.S.E.F. No. 27
-
Legal Liability for Damage to Non-Owned Autos
Extends Section C policy provisions to other autos.
$50,000 limit of liability.
S.S.E.F. No. 43
-
Limited Waiver of Depreciation
36-month or 48-month waiver of depreciation.
S.S.E.F. No. 44
-
Family Protection
Provides underinsured motorist coverage.
Saskatchewan
Aviva Insurance Company of Canada
6
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Thirty-six month Limited Waiver of Depreciation S.S.E.F. 43/43L
Provides Waiver of Depreciation on Total Loss.
Coverage must be added within 90 days of the date the Insured takes delivery of the new Vehicle.
Available on Leased Vehicles.
A copy of the purchase invoice/lease must accompany the application.
Coverage must be continuous from the time the vehicle was new, but is transferable from other Insurers.
The maximum value available for this coverage is $100,000. Refer to underwriting for higher values.
Forty-eight month Limited Waiver of Depreciation S.S.E.F. 43/43L
Provides Waiver of Depreciation on Total Loss.
Coverage must be added within 90 days of the date the Insured takes delivery of the new Vehicle.
Available on Leased Vehicles.
A copy of the purchase invoice/lease must accompany the application.
Coverage must be continuous from the time the vehicle was new, but is transferable from other Insurers.
The maximum value available for this coverage is $100,000. Refer to underwriting for higher values.
Saskatchewan
Aviva Insurance Company of Canada
7
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Liability Limits
Basic Limit $1,000,000.
Optional limits and rating shown below. $1,000,000 Limit and S.S.E.F. 44 included with All Perils
package. If Collision/Comprehensive physical damage selected, Third Party Liability premium below
must be added based on the Driving Record for the type of vehicle in question.
Limit of Liability *
Driving Record
P
A
B
$1,000,000
74
79
135
$2,000,000
100
116
205
$5,000,000
132
147
265
* premium includes Personal Injury Protection Plan Extension and S.S.E.F. 44
S.S.E.F. 20 - Loss of Use
Coverage, in the event of loss or damage to the automobile for which indemnity is provided by Section C
of the policy for expenses reasonably incurred for the rental of substitute automobile, including taxicabs
or public means of transportation.
Premium based on Driving Record.
Amount of Protection $1,000 (No daily limit) $1,500 (No daily limit) $2,000 (No daily limit) Saskatchewan
Aviva Insurance Company of Canada
Driving Record A 61 68 83 P 50 58 75 B 116 130 149 8
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
S.S.E.F. 43/S.S.E.F. 43L - Thirty-six month Limited Waiver of Depreciation
Available on all vehicles except Motor Homes and Heavy Farm trucks
Owned Pleasure Vehicles Leased & Business Vehicles $45 0.50 $55 0.50 36‐Month Coverage First $20,000 Each additional $1,000 S.S.E.F. 43/S.S.E.F. 43L - Forty-eight month Limited Waiver of Depreciation
Available on all vehicles except Motor Homes and Heavy Farm trucks
Owned Pleasure Vehicles Leased & Business Vehicles $60 1.00 $70 1.00 48‐Month Coverage First $20,000 Each additional $1,000 S.S.E.F. 27 - Legal Liability for Damage to Non-Owned Autos
Policy extends to provide Section C Coverage and deductible to Non-Owned autos.
$50,000 Limit of loss, with the lowest deductible on the policy.
Coverage included at no additional premium for incidental exposure only.
For regular or extensive periods of exposure, contact your Underwriter.
Saskatchewan
Aviva Insurance Company of Canada
9
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
RATING
Pleasure Use – All Perils
$100 Deductible
P
A
B
Glass Excluded
163
173
315
Glass Included
0
210
221
405
Number of
1
226
236
435
Glass Claims
2
305
315
585
$200 Deductible
P
A
B
Glass Excluded
126
137
245
Glass Included
0
152
163
295
Number of
1
163
173
315
Glass Claims
2
194
205
375
$350 Deductible
P
A
B
Glass Excluded
110
121
215
$500 Deductible
P
A
B
Glass Excluded
100
110
195
$700 Deductible
P
A
B
Glass Excluded
95
105
185
$1,000,000 Limit Liability Only
P
A
B
74
79
135
All premiums include $1MM Liability and S.S.E.F. 44
Personal Injury Protection Plan extension
-
Automatically included on all vehicles.
-
Premium included in base.
Saskatchewan
Aviva Insurance Company of Canada
10
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Business Use and Leased Vehicles – All Perils
$100 Deductible
P
A
B
Glass Excluded
189
205
375
Glass Included
0
242
257
475
Number of
1
257
273
505
Glass Claims
2
341
357
665
$200 Deductible
P
A
B
Glass Excluded
163
184
335
Glass Included
0
189
210
385
Number of
1
200
221
405
Glass Claims
2
231
252
465
$350 Deductible
P
A
B
Glass Excluded
131
142
255
$500 Deductible
P
A
B
Glass Excluded
121
131
235
$700 Deductible
P
A
B
Glass Excluded
110
121
215
$1,000,000 Limit Liability Only
P
A
B
84
95
165
All premiums include $1MM Liability and S.S.E.F. 44
Personal Injury Protection Plan extension
-
Automatically included on all vehicles.
-
Premium included in base.
Saskatchewan
Aviva Insurance Company of Canada
11
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Heavy Farm Trucks - All Perils
$100 Deductible
P
A
B
Glass Excluded
137
147
265
Glass Included
0
179
189
345
Number of
1
189
205
375
Glass Claims
2
N/A
252
465
$200 Deductible
P
A
B
Glass Excluded
110
121
215
Glass Included
0
126
137
245
Number of
1
137
147
265
Glass Claims
2
N/A
173
315
$350 Deductible
P
A
B
Glass Excluded
89
95
165
$500 Deductible
P
A
B
Glass Excluded
84
89
155
$700 Deductible
P
A
B
Glass Excluded
74
84
145
$1,000,000 Limit Liability Only
P
A
B
68
74
125
All premiums include $1MM Liability and S.S.E.F. 44
Personal Injury Protection Plan extension
-
Automatically included on all vehicles.
-
Premium included in base.
Saskatchewan
Aviva Insurance Company of Canada
12
Sept. 1 / Oct. 1, 2012
AUTOMOBILE EXTENSION
Collision Deductible 100 200 350 500 700 P 55 32 22 16 13 Pleasure Use A B 58 111 36 68 26 49 19 37 16 31 Business Use & Leased P A B 64 68 129 49 55 104 29 29 55 23 22 43 16 16 31 Heavy Farm Trucks P A B 42 45 86 26 29 55 13 13 25 10 9 18 4 6 12 Premiums do not include Liability or S.S.E.F. 44. Please see pg 8.
Comprehensive Business Use & Leased P A B P $100 Deductible – Glass Coverage Excluded Glass Excl. 34 36 69 41 42 81 27 28 54 $100 Deductible – Glass Coverage Included 0 81 84 159 1 97 99 189 2 176 178 339 94 109 193 94 110 194 181 211 371 69 79 ‐‐‐ 70 86 133 134 164 254 $200 Deductible – Glass Coverage Excluded Glass Excl. 20 22 42 30 34 66 16 18 35 $200 Deductible – Glass Coverage Included 0 46 48 92 1 57 58 112 2 88 90 172 56 67 98 60 71 102 116 136 196 32 43 ‐‐‐ 34 44 70 65 85 135 $350 Deductible – Glass Coverage Excluded Glass Excl. 14 16 31 18 18 35 8 8 15 $500 Deductible – Glass Coverage Excluded Glass Excl. 10 12 23 14 14 27 6 6 12 $700 Deductible – Glass Coverage Excluded Glass Excl. 8 10 19 10 10 19 2 4 8 Number of Glass Claims P Pleasure Use A B Heavy Farm Trucks A B Premiums do not include Liability or S.S.E.F. 44. Please see pg 8.
Saskatchewan
Aviva Insurance Company of Canada
13
Sept. 1 / Oct .1, 2012
AUTOMOBILE EXTENSION
Antique and Classic Vehicles
This section is only for vehicles that fall into the “antique” or “classic” automobile definition. An appraisal
is required from a certified appraiser to establish the value and the vehicle must be re-appraised every
fourth year – 2002 then 2006, 2010 etc.
Subject to S.S.E.F. 19A
Antique – defined as being over 30 years old. These are true collector’s items, and are licensed as
antique or vintage automobiles by the Motor Vehicle Department.
Classic – defined as being over 20 years old and regarded as a collector’s item due to age, model and
condition.
Limit of Liability
Driving Record
P
A
B
$1,000,000
58
63
120
$2,000,000
84
95
180
$5,000,000
116
121
230
All premiums include $1MM Liability and S.S.E.F. 44
Personal Injury Protection Plan extension
-
Automatically included on all vehicles.
-
Premium included in base.
For Physical Damage coverage refer to your Underwriter.
Saskatchewan
Aviva Insurance Company of Canada
14
Oct. 1 / Nov. 1, 2009
AUTOMOBILE EXTENSION
Trailers - Licensed
Deductible
Cabin & Tent
Utility & Farm
Heavy
$ 100
58
42
105
$ 200
47
37
84
$ 350
42
32
63
$ 500
37
26
53
All premiums include $1MM Liability and Road Hazard Glass.
For increased limits above $1MM use driving record P.
S.S.E.F. 44 & PIPP extension not available.
Trailers - Unlicensed
Minimum Premium for each item - $50.
Deductible
Rate per $100 of Value
$ 100
1.94
$ 200
1.68
$ 350
1.52
$ 500
1.42
$ 700
1.31
All premiums include $1MM Liability.
For increased limits above $1MM use driving record P.
S.S.E.F. 44, PIPP extension and Road Hazard Glass not available.
Saskatchewan
Aviva Insurance Company of Canada
15
Oct. 1 / Nov. 1, 2009
AUTOMOBILE EXTENSION
Coverage on unlicensed personal use vehicles placed in storage is automatic when the vehicle is
scheduled on the current policy. (As per Bulletin of March 24, 2004)
“Slide-in” camper or top used with your auto: We will automatically cover up to one camper and one
top. The camper or top is covered on or off the auto. It is covered for the same causes of loss as the
auto. The same deductible applies and only one deductible will be used for each loss.
Claims
In order to process Claims quickly and efficiently, the Claims Department must know the five W's - WHO,
WHAT, WHEN, WHERE, and WHY.
Submit a Complete Automobile Claims Report Form for the most effective response to your Customers'
Claims.
Glass Claims - Submit Claims Report Form, along with the repair invoice or replacement account,
indicating where damage was. If you are aware of the claim beforehand, submit report so that a file may
be set up. The Insured may be instructed to advise the repair firm of the Policy Number and deductible so
that the invoice may be submitted directly.
Claims involving a Third Party - If the Insured is involved in an accident where damage is sustained to
property of another (whether automobile or otherwise), there must be a report made to Saskatchewan
Government Insurance as the primary liability coverage is provided by the Plate insurance. If it is
determined that the Insured is at fault, submit a Claims Report Form so that the portion covered by the
policy may be processed.
Claims over $700 (Single Vehicle) - If the Insured has been involved in a single vehicle accident where
the damage to the vehicle insured is over $700, there must be a report made to Saskatchewan
Government Insurance. Once the Insured has reported to SGI, submit a Claims Report Form so that the
portion covered by the policy may be processed.
Claims under $700 (Single Vehicle) - If the Insured has been involved in a minor accident, have them
obtain a written repair estimate and submit the repair estimate with the Claims Report Form for approval
to have the repairs completed.
Special Loss Deductible Feature
For all Insureds carrying both Homeowners and Automobile Extension Policies with Aviva, any loss
involving both the insured automobile and personal property, only one deductible, equal to the greater of
the deductible on the Homeowners and Automobile Policy, will be charged.
e.g. - The Insured has an Aviva Automobile Extension Policy at $100 deductible and a Homeowners
Policy with Aviva at $200 deductible. A loss occurs wherein the Insured vehicle is in collision with
the garage covered by the Insured's Homeowners Policy. There is $400 damage to the vehicle
and $300 damage to the garage door. The loss payment would be $500 (equal to the $700 total
repair costs less the deductible of $200).
Saskatchewan
Aviva Insurance Company of Canada
16
Apr. 1 / May 1, 2006