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VENDOR.TXT - File for Distributors of Shareware
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     This file is provided to explain the benefits of this shareware program
     for distributors and users of the program. A the end will be a short
     and longer version of a suggested layout for a catalog listing and/or
     advertising copy to promote this program.

     This Financial Planner module is designed to assist individuals in the
     planning of their CAPITAL NEEDS (Financial Situation if Deceased).
     Capital Needs is a professional term used for the determination of
     financial needs in case of death. Most often, life insurance is used to
     cover any exposed risk. It is important to have enough to cover the risk,
     but usually not a very good investment vehicle to have extra. Premium cost
     savings can be used to increase savings and investments. Amounts of
     Insurance should be based on covering exposed risk and not some arbitrary
     formula such as X% or X times earnings. The optimum situation is not
     needing any insurance because a persons savings and investment assets
     would cover any exposed risk.

     This program will help analyse the situation and if deficient, suggest the
     appropriate amounts of insurance or change in capital that is required.

     This program is designed to help them to maintain the most effective  
     capital needs financial situation. They need to know where they are and
     if what their doing satisfys the desired capital needs goal. By using this
     program all these questions can be answered. They can monitor their
     situation as ofter as they like, because they have the tool to do it with
     this program. 

     If capital needs planning is important to them, ordering and reviewing
     this program as shareware is a valuable and desired asset for their
     personal capital needs planning. This type of program according to
     financial planning research is desired and needed, it will also give added
     utility for purchasing and using a personal computer.

     This program is always being revised because of changes in the tax laws
     and improvement suggestions from users. Updated versions (and newly
     developed programs) will be supplied to distributors which express an
     interest or who market the program.





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Suggested Layouts:
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Short version: 
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 FPLAN - CAPITAL NEEDS PLANNER: Comprehensive planning application for optimum
                                life insurance amounts for dependent support.

Longer version:
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 FPLAN - CAPITAL NEEDS PLANNER: by First Financial Software is a total capital
 needs (life insurance) planner designed for easy use. Included are automatic
 demonstrations for each of the functions to familiarize you with the program.
 All of your data, from a comprehensive questionnaire, can be entered into the
 program to determine the status of your desired capital needs situation and
 printed out. Great for helping you achieve the optimum situation for support
 of dependents in case of premature death.

  (This file should be deleted from retail distributation copies of program.)
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