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(Click for frequent words.) 66 workers' compensation 63 workers comp 58 Workers comp 56 Workman Comp 54 Workers Compensation Insurance 54 workman compensation insurance 54 AIK Comp 54 workers' compensation insurance 53 regulate payday lenders 53 PEBP 53 NYSHIP 52 skyrocketing malpractice 52 discourage frivolous lawsuits 52 PEEHIP 51 Caruolo Act 51 mandatory unpaid furloughs 51 workmen comp 51 Commissioner Sean Dilweg 51 Cal PERS 51 Eileen Mallow 51 Tanchek 51 frivolous malpractice lawsuits 51 Citizens Property 51 Workman Compensation 51 Workers Comp 51 healthinsurance 50 Kristin Milam 50 Mcare Fund 50 SUTA dumping 50 EUTF 50 med mal 50 insurers 50 Bethlehem Steel retirees 50 Superintendent Mila Kofman 50 MaineCare recipients 50 insurance 50 StanCERA 50 Trip Assured 50 insurors 50 workman comp 50 policyholders 49 Insure Montana 49 IndyMac depositors 49 FAIR Plan 49 Brickstreet 49 Allstate Floridian Insurance 49 Dirigo Choice 49 PLADs 49 Medically Needy Program 49 D Grosse Tete 49 recoup overpayments 49 Forgotston 49 wages garnisheed 49 actuarial soundness 49 WEA Trust 49 nonworking spouses 48 actuarially justified 48 sexting DA 48 insurance premiums 48 Weldin Stewart 48 strengthen whistleblower protections 48 Companies ACIC 48 Worker Comp 48 Allan Zaremberg president 48 premiums copays 48 KAPT 48 Democratically aligned 48 PEHP 48 Regence BlueCross 48 MAIF 48 capping noneconomic damages 48 OPEA 48 ERISA pre empts 48 nonexempt employees 48 GOP govs 48 PEIA 47 AGs threaten 47 covering elective abortions 47 spokeswoman Rosanne Placey 47 MCare fund 47 dues checkoff 47 Unpaid furloughs 47 liablity 47 assigning recklessly 47 Allstate Floridian Indemnity 47 TennCare recipients 47 workmen compensation 47 lease Alligator Alley 47 BISHCA 47 worker misclassification 47 Teachers Defined Contribution 47 Insurance Commissioner Nonnie 47 UnitedHealth PacifiCare 47 Boesen estate 47 Employee Retirement System 47 guaranty associations 47 Belshé 47 Rosanne Placey spokeswoman 47 Wage freezes 47 Hoklin 47 Colleen Medill 47 misclassify employees 47 MESSA 47 Gregory Serio 47 PEBB 47 Granholm vetoes 47 PBGF 47 State 47 reopeners 47 BrickStreet Mutual Insurance 47 IHSS recipients 47 nonmanagement employees 47 Auditor Monica Lindeen 47 multistate settlement 47 Delphi salaried retirees 47 Ms. Jessome 47 BGE ratepayers 46 gagging clauses 46 Prevailing wage 46 Stop Overspending 46 multiemployer pension plans 46 curtails collective bargaining 46 noninsurance 46 nonrenewals 46 Balber 46 Rural electric cooperatives 46 Amschwand 46 CoverColorado 46 ISMIE 46 incarcerating illegal aliens 46 Medicaid 46 spokesman Mark Perkiss 46 debit card overdraft 46 GGRA 46 cramdowns 46 rehiring retirees 46 CompSource 46 Chris Goetcheus 46 surance 46 Eric Witkoski 46 workman compensation 46 INFLUENCE GAME Govt 46 GRAMA requests 46 AB8 46 Treasurer Jeb Spaulding 46 mandatory binding arbitration 46 WHSCC 46 taxpayer foots 46 payraise 46 meritless lawsuits 46 Minimum Wage Act 46 STAR rebate checks 46 nonuniformed employees 46 WellPoint Anthem 46 Quinn amendatory veto 46 lawmakers 46 Chrissy Pearson spokeswoman 46 grossly overcharging 46 Employment Retirement System 46 multistate corporations 46 Pudlow 46 Medicaid reimbursement 46 Bob Lotane 46 wealthiest Californians 46 Brenda Erdoes 46 Mark Delegal lobbyist 46 CFO Alex Sink 46 Tenncare 46 NMI Retirement Fund 45 AFT WV 45 CalWORKs recipients 45 Mark Delegal 45 Pawlenty unallotments 45 pension 45 nonrepresented 45 nonhomesteaded properties 45 unbid contracts 45 pensions 45 Pinnacol Assurance 45 Stranger Originated Life 45 HealthEssentials 45 RRGs 45 Prevailing wage laws 45 R2T 45 deductibles copayments 45 InsureNet 45 MCARE 45 Uncompensated Care Pool 45 nonunion retirees 45 Dunmoyer 45 spokesman Darrel Ng 45 consultant Robert Laszewski 45 Homestead Rebates 45 emloyees 45 Mastercard Visa accepted 45 Denti Cal 45 Schlomach 45 Jose Montemayor 45 paycheck deductions 45 Sean Dilweg 45 CEO Kerry Winterer 45 Legislature 45 Essex Powerlines 45 Commissioner Diane Koken 45 actuarially unsound 45 Womer Benjamin 45 nonrepresented employees 45 Zaremberg 45 BrickStreet Insurance 45 Thad Altman Viera 45 Kristine Ragaglia 45 predatory payday lenders 45 Medi Cal reimbursement 45 unvouchered expense 45 SCHIP enrollees 45 legislators 45 NHRS 45 Ms. Ignagni 45 Coverage EPIC 45 noneducation 45 JUA 45 Pinnacol 45 heatlh care 45 Whistle Blower Act 45 malpractice insurance 45 BCBSND 45 compulsory insurances 45 Mcare 45 Workers Compensation 45 Eysink 45 lady Roni Deutch 45 Jodi Alberts 45 tapes Trentadue 45 ERISA preempts 45 TMRS 45 nonparticipating providers 45 Medi Cal reimbursements 45 spokesman Ed Domansky 45 civilian flagmen 45 unissued leases 45 MaineCare reimbursements 45 nonbankruptcy 45 payouts 45 Councilman Bill Lonkart 45 Bill Sirola 44 tort reform 44 Diane Koken 44 Leslie Ludtke 44 Compensation Insurance 44 SEANC 44 prebates 44 CAPCOs 44 CalPers 44 DirigoChoice 44 Darrel Ng 44 Superintendent Alessandro Iuppa 44 employers 44 superintendent Eric Dinallo 44 E Verify database 44 Ratepayer advocates 44 stateâ 44 Patty Wentz 44 DISD trustees 44 medical malpractice 44 Underfunded pension 44 Willing Provider 44 attorney Wil Florin 44 ESHB 44 Anthem WellPoint 44 Mila Kofman 44 IBNR levy 44 homestead farmstead exclusion 44 NYPIUA 44 PANPHA 44 issuing IOU 44 racetrack VLTs 44 HMOs 44 Medigap supplemental insurance 44 garnishee wages 44 Koplinski 44 ERISA fiduciaries 44 A#/S# [001] 44 Harvey Rosenfield 44 Gawrylow 44 NYSCOPBA 44 Equitable policyholders 44 Mcare abatement 44 UnitedHealthCare 44 uninsurables 44 Copadis 44 La Bonté 44 uninsured Coloradans 44 nonunion contractors 44 Teachers Retirement Fund 44 VFRAs 44 payless paydays 44 Worker Compensation 44 Salowe Kaye 44 Employee Pension 44 Medigap policies 44 Doehrel 44 NYCOSH 44 MSEA 44 ConnPACE 44 commissioner Steve Poizner 44 fiscally ailing 44 Education 44 Starkowski 44 Worker Adjustment Retraining Notification 44 Commissioner Ruth Damsker 44 Brynien 44 Mike Vasilinda tells 44 EduJobs 44 Lockridge Grindal Nauen 44 Tanick 44 frivilous lawsuits 44 understaff 44 welfare caseworkers 44 Medicade 44 Emler Lindsborg Republican 44 lifetime maximums 44 VLCT 44 viatical settlement 44 Veto override 44 arbitrated settlement 44 Napolitano vetoes 44 enacting tort reform 44 KidsCare Parents 44 Medicaid recipients 44 spokeswoman Suzy Bohnert 44 ineligible dependents 44 permatemps 43 nonparticipating manufacturers 43 McCarran Ferguson 43 Bais DiSessa 43 Jeanne Milstein 43 Firemans Fund 43 BestHealthcareRates.com 43 HealthChoice 43 Antonakes 43 Arnold Schwarzenegger vetoed 43 JobsPAC 43 Tort Immunity Act 43 taxables 43 insurer 43 NHHELCO 43 deductibles copays 43 VOSHA 43 DiCianno 43 NJ FamilyCare 43 OFIR 43 Legislature overrode veto 43 Judge Raner Collins 43 actuarially sound rates 43 Morris Hugoton Republican 43 Kernan Shepard recommendations 43 Medicare HMOs 43 Fish Parcham 43 Lotane 43 Sustinet 43 ratepayer advocate 43 President Kenneth Brynien 43 Senator Aubertine 43 Avalere estimate 43 Lautenbaugh 43 nonwealthy 43 overburdensome 43 BrickStreet 43 Superintendent Dinallo 43 AMERISAFE actively markets 43 Commissioner Jane Vignos 43 Butch Santicola spokesman 43 IWIF 43 enact ordinances 43 ben efits 43 Karen Weldin Stewart 43 Lerblance 43 regulator Eric Dinallo 43 Genesen 43 CHIP reauthorization 43 abolish COAH 43 pension underfunding 43 countersignature 43 Comptroller DiNapoli 43 severence package 43 garnishing wages 43 Senator Julia Boseman 43 Countrywide Mozilo 43 categoricals 43 employee misclassification 43 FEGLI 43 Gen. Lisa Madigan 43 MacNett 43 STOLI transactions 43 FMAP extension 43 Whistleblower Act 43 Peter Kuhnmuench 43 PERS TRS 43 policyholder 43 insures pensions 43 ERISA preemption 43 DiPietre 43 NYSIF 43 unconstitutionally imposes 43 Mine Subsidence Insurance 43 insured depositories 43 health care 43 Dartland 43 Loree Levy spokeswoman 43 liveable wage 43 regulators 43 multiemployer defined 43 Sonny Popowsky 43 Monclova Monterrey highway 43 JJ Jelincic 43 Badgercare 43 overregulating 43 Encompass Floridian Indemnity 43 Municipal Employees Retirement System 43 Dole Bananas 43 NWA flight attendants 43 Plan OHIP 43 DCBS 43 Matt Denn 43 Vandermyde 43 nonjudicial foreclosures 43 CompSource Oklahoma 43 recision 43 clawback provision 43 Klehs 43 ABX1 1 43 unfunded retiree 43 protects whistleblowers 43 Maloney DN.Y. 43 Wendy Kronmiller director 43 Furloughing 43 Idled fishermen coastal 43 Delinquent taxpayers 43 grandfathered exempting 43 Brian Rieselman 43 insurace 43 R. Dinallo 43 viatical investments 43 MassHealth Medicaid 43 Consumer Watchdog Santa Monica 43 OEBB 43 Rucho 43 Elective abortions 43 Allstate Floridian 43 filing frivolous lawsuits 43 compulsory counterclaims 43 assignee liability 43 Phyllis Molchatsky 43 OCERS 43 Durhal 43 perpetuate bailouts 43 Marcellus Shale drillers 43 obstetricians surgeons 43 Lawmaker pushes 43 premiums 43 unlimited homestead exemptions 42 Workers Compensation BWC 42 Multiemployer 42 Molasky Arman 42 Unfair dismissal 42 Debora Hobbs 42 spokesman Ben Kieckhefer 42 wages Ecton 42 Texas Windstorm Insurance 42 furloughs 42 RI gov 42 PROMISE scholarship 42 nonrenewed 42 quasigovernmental 42 Medi Cal recipients 42 Fund SCIF 42 classaction 42 PCIP 42 Mark Grueskin 42 Insurance 42 spokesman Bill Mellander 42 DMHAS 42 imposing unpaid furloughs 42 Pari mutuels 42 CFO Sink 42 merchant chargebacks 42 tort claimants 42 Rescissions 42 copayments deductibles 42 muni issuers 42 Long Term Disability 42 retroactivity clause 42 overinsured 42 Self Insured 42 Risk Retention 42 facially discriminatory 42 Gov. Arnold Schwarznegger 42 Katrina levee breaches 42 Sandy Praeger 42 malpractice 42 Kan. gov 42 treasurer Phil Angelides 42 Sallie Hillmon 42 Ney Kanjorski 42 COBRA continuation 42 Hiring freezes 42 MRMIB 42 celestial sightings 42 FEHBP enrollees 42 REINS Act 42 unsubsidized COBRA 42 legistlation 42 Unum Provident 42 TWIA 42 Constitution Supremacy Clause 42 EUâ 42 Supco 42 Ardis Watkins 42 WMI JPMorgan 42 Faiks 42 Musladin conviction 42 multiple taxations 42 lt gov 42 Would 42 gov vetoes 42 nonfilers 42 Uninsured Motorist 42 regulate payday lending 42 Ann Womer Benjamin 42 representative payees 42 medicaid 42 Gambling proponents 42 Tort reform 42 Broadcasting union Bectu 42 utility shutoffs 42 Jerome Schlichter 42 curtailing collective bargaining 42 overtaxation 42 legalized loan sharking 42 Judicial Nominating Commissions 42 actuarially sound 42 tollpayers 42 multiemployer plans 42 compulsory unionism 42 Wellpoint Anthem 42 ERISA pre emption 42 multistate compact 42 Nonunion 42 constitutional amendment SJR 42 Comair flight attendants 42 Stephanie Dhue reports 42 UM UIM coverage 42 Joint Underwriting 42 state 42 Medi caid 42 James Wrynn 42 AdultBasic 42 EZ Passes 42 MPSERS 42 Tom Suehs 42 unfairly burdening 42 nonadmitted insurance 42 Marijuana dispensary 42 Mike Geeslin 42 Guills 42 Commissioner Bobby Humphryes 42 TMLT 42 D Welches 42 Domansky 42 Michael McRaith 42 unredeemed deposits 42 Social Se curity 42 Address Confidentiality Program 42 upaid 42 Dick Luedke spokesman 42 FDIC Bair 42 PacAdvantage 42 LANSING WJRT #/#/# 42 Ellen Melchionni 42 Professional Liability Insurance 42 Florida KidCare 42 Hullinghorst 42 tort reformers 42 CALPERS 42 Marty Beil 42 TRSL 42 stagehands ranges 42 unsolicited telemarketing 42 windpool 42 delist gray wolves 42 Municipal Retirement System 42 nonunion employees 42 Prevailing Wage Act 42 SVVSD 42 carryback provision 42 MassHealth Basic 42 prefund retiree health 42 FSCO 42 Ark. gov 42 federal 42 Libertoff 42 Captax 42 Tanya Wheeless 42 SEIU/# 42 Mr. Wansacz 42 burdening taxpayers 42 Cliff Koivisto 42 CalPERS CalSTRS 42 grandfathering provision 42 LAGERS 42 PGBC takes 42 Allstate Indemnity 42 Basil Merenda 42 SOX whistleblower 42 WARN notices 42 tax deductability 42 Gov. Arnold Schwar zenegger 42 employer 42 malpractice premiums 42 Don Wotruba 42 Dorean Group 42 Nonunion contractors 42 Ekard 42 claimholders 42 BeneCard 42 labor unions 42 taxpayers 42 UEZs 42 Delegal 42 payroll withholdings 42 VHAP 42 noneconomic damage 42 Salaried retirees 42 Novato Sanitary 42 Molchatsky 42 Medically Needy program 42 NYIA 42 unwanted faxes 42 spokeswoman Melanie Fonder 42 DMHC 41 Peachcare 41 Irwin Sonny Popowsky 41 Garamendi 41 CasinosNO 41 Temporary Disability 41 EITC eligibility 41 Prop. 1F 41 unfunded pensions 41 Namcal 41 Laborers Pension Fund 41 Nicole Mahrt 41 NYC OTB 41 undercompensated 41 MediCal 41 WARN Act 41 Gov. Arnold Schwarzeneggers 41 dram shop 41 subrogate 41 Personal Injury Protection 41 Local Mandates 41 qui tam relator 41 TennCare rolls 41 Surgeon General Antonia Novello 41 Terry Lisotta 41 Spokesman Tom Dresslar 41 LHWCA 41 mandatory arbitration clauses 41 Autoworkers union 41 Gambacurta 41 CalPERs 41 Kenneth Brynien 41 GAMC recipients 41 SACRAMENTO CA KGO 41 Haislmaier 41 imposing unfunded mandates 41 MIIA 41 Rollie Katz 41 SUTA 41 Carcieri vetoed 41 Nunez Perata 41 voter referendums 41 fiscally strapped 41 optout 41 TennCare enrollees 41 bonusgate 41 stateā 41 SEBAC 41 nonsalary 41 legislation 41 Dan Lambe 41 Nat Mund 41 feds 41 Tim Eyman Initiative 41 spokeswoman Lynelle Jolley 41 massively underfunded 41 PECG 41 Companies NAMIC 41 retire rehire 41 Medi Cal beneficiaries 41 unrefunded 41 Geoff Souser Progressive 41 Farrell Quinlan 41 Willie Pelote 41 Commonsense Consumption Act 41 Thruway tolls 41 Piermatti 41 excessively burdensome 41 WREX.com Rockford News LeaderQuinn 41 Travelers Indemnity 41 dunning notices 41 retirees 41 Wal Mart skimps 41 PIANY 41 Vioxx prescriptions 41 FSAs HSAs 41 Maysmith 41 Uninsured motorist 41 Parental notification 41 Talx 41 expert Graef Crystal 41 compensation 41 Subchapter S corporations 41 SustiNet 41 Laderta 41 spokeswoman Kristin Binns 41 Radcliffs 41 WREX.com Rockford News LeaderIllinois 41 overfund 41 frivolous patent infringement 41 Claybaker 41 Christopher Goetcheus 41 Ben Wogsland spokesman 41 Snapshot SM 41 David Ludder 41 Sex offender registry 41 KinderStart.com 41 Crist vetoes 41 Rouseys 41 AirTEL Wireless 41 R Valrico 41 Longevity Bonus Program 41 Connecticut Interlocal Risk 41 IDFPR 41 Homestead Rebate 41 Beaver Logging 41 insurnace 41 Councilman Doug Marmie 41 Hurricane Catastrophe Fund 41 CJAC 41 Gayle Channing 41 Hearing Examiners 41 premiums deductibles 41 SACRAMENTO KABC 41 Gov. Arnold Schwarz enegger 41 LAW TRIBUNE 41 qui tam actions 41 Bernard Schaber 41 IowaCare 41 carhaul 41 Deborah Senn 41 Comptroller Franchot 41 Maureen Boesen 41 punish wrongdoers 41 Abby Ottenhoff spokeswoman 41 Soc Sec 41 HealthMarkets 41 Medigap insurance 41 shorter workweeks 41 Jerry Hagins 41 wage rollbacks 41 denturists 41 Rokeberg 41 Scandlen 41 nonemployees 41 Fulhorst 41 Hold Harmless 41 muni bond 41 AirTEL 41 GeoVera 41 Trash haulers 41 displinary action 41 wolf delisting 41 auditor Elaine Howle 41 Jakubson 41 reauthorize NCLB 41 outsize bonuses 41 Michael T. McRaith 41 Enzi Barrasso 41 Payroll Deduction 41 Liability Coverage 41 False Claims Acts 41 Pay czar 41 NelNet 41 Unlicensed contractors 41 Jodi Bjornson 41 SUNY Empowerment 41 Empire BlueCross 41 Med mal 41 PROMISE Scholarship 41 Prevented planting 41 Amex GAN Dallas 41 stateÕs 41 Insurers 41 clawback provisions 41 unfunded mandates 41 Concealed guns 41 Prevailing wages 41 noncitizen voting 41 cyberschools 41 Proposition #âÑ# 41 fiscally unsound 41 credit raters 41 Furloughed 41 Chuck Quackenbush 41 WINS ALBANY 41 Siemienas 41 SACRAMENTO CA KFSN 41 noninsured 41 Workmen Compensation 41 credentialed tutor 41 taxing sugary beverages 41 HEFA 41 decertifies 41 spokesman Ioannis Kazanis 41 Triborough Amendment 41 QDIAs 41 Rosanne Placey 41 Crime Victims Compensation 41 NYCERS 41 preexisting conditions 41 unlawful detainers 41 spokeswoman Hallye Jordan 41 CAFA jurisdiction 41 Judge Thelton Henderson 41 LSC grantees 41 disorderly liquidation 41 spokesman Randy Clerihue 41 PERSI 41 Angela Speir 41 Rep. Michelle Rehwinkel 41 Sole proprietors 41 unclaimed refunds 41 MTBE liability 40 Mark Tabakin 40 SACRAMENTO Calif. Legal Newsline 40 Vince Sollitto spokesman 40 Secretary Fred Cerise 40 nonteachers 40 Lynacre 40 whistleblower retaliation 40 Carefirst 40 lump sum payouts 40 Swysgood 40 Richard RJ Eskow 40 PGBC 40 statutes criminalizing 40 reimbursment 40 Tallahassee FL LifeNews.com 40 Pawlenty unallotment 40 Hartford Casualty Insurance 40 flagrant violators 40 malpractice lawsuits 40 noncitizen immigrants 40 employ ees 40 garnisheeing 40 MichGO 40 FOIA requesters 40 Vermont Yankee decommissioning 40 Nucatola 40 reregulating 40 Teachers Retirement 40 fiscally unwise 40 Super Speeder 40 Encompass Insurance 40 Gov. Arnold Schwarzenneger 40 automatic payroll deductions 40 justly compensated 40 regressivity 40 Gary Blackmer 40 Jacksha 40 Sen. Aubertine 40 postemployment 40 overregulate 40 MyRate 40 Insurance VPI 40 dam relicensing 40 Greenberg Traurig Abramoff 40 governmentally mandated 40 comptroller Hevesi 40 Access Counselor 40 mandates 40 Arbella Mutual Insurance 40 uninsured 40 UWUA 40 Mississippi Tort Claims 40 CCJEF 40 Credexx 40 legalize undocumented immigrants 40 SCHIP reauthorization bill 40 CUMBERLAND Allegany County 40 Sebelius vetoes 40 Penalizes employers 40 nonbargaining employees 40 bookkeeper embezzled 40 Judge Ronald Quidachay 40 Glenn Kuper 40 severence 40 Joel Ario 40 & Healthsystem Association 40 reimporting drugs 40 Medical Malpractice Joint 40 provincially regulated 40 Insurance Regulation OIR 40 broad foreclosure moratoriums 40 turnpike tolls 40 antiharassment 40 TABOR Amendment 40 PSC regulates 40 Lieutenant Governor Beverly Perdue 40 Elderly Pharmaceutical 40 Credit raters 40 Raussen 40 prescription contraceptives 40 nontax revenue 40 Partnership HealthPlan 40 nonemployer firms 40 Migden Ostrander 40 unfairly burdened 40 Medicaid reimbursements 40 Birtman 40 Comptroller Hevesi 40 GovGuam retirees 40 Zuckett 40 RIte Care 40 taxpayer 40 Automobile Insurance 40 Allstate Geico 40 prevailing wage 40 Mutual Benefits 40 Tort Reform 40 ratemaking 40 bigamy statute 40 Flexible Spending Accounts 40 Klebaum 40 Anger brews 40 Homestead Farmstead 40 DeLuna Castro 40 entrenched incumbents 40 Carcieri 40 attorney Harley Tropin 40 Commissioner Steve Sisolak 40 PIFC 40 Aqueduct VLTs 40 Abbatematteo 40 MBT surcharge 40 Nicole Mahrt spokeswoman 40 Ms. Borzi 40 unrepresented litigants 40 PELL grants 40 Councilman Jerry Cleworth 40 NJPP 40 Nils Frederiksen spokesman 40 spokesman Wythe Keever 40 Abortion foes capitalize 40 telemarket 40 Sandra Shewry 40 nonunionized 40 DHUE 40 Pete Kuhnmuench executive 40 insur ance 40 Salary freezes 40 Michael Starkowski 40 EdFund 40 undocumented laborers 40 Gecol 40 Homestead Exemption 40 Overly generous 40 Circuit Breaker Tax 40 reimbursement 40 Pataki vetoed 40 QComp 40 Gary Pastorius 40 Cory Streisinger 40 Homestead Exclusion 40 deductibles 40 Deile 40 HB#/SB# 40 Ingenix databases 40 Matt Frendewey spokesman 40 limiting noneconomic damages 40 Cliff Guffey 40 Senator Aanestad 40 Suspend Executions 40 Al Redmer 40 MontCo 40 WisconsinCare 40 insureds 40 NEW MEXICO krwg 40 Dram Shop