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Demand Diversi cation If the 401(k) plan of your employer permits you to invest in only one or two families of funds, consider taking some action to expand your options. Talk to your human resources administrator about getting a better 401(k) plan. A commitment to one way of investing is no way to achieve diversi cation. And in the end, diversi cation is the only way you can assure your nancial future.

It is rare, even in a single, uni ed business, to nd all of the processes of order-taking, catalogue, supply-chain management, etc. being conducted on a single piece of hardware, within a single room. Almost implicit in our multi-tiered model is the assumption that a number of computers will be involved. These need to be connected (networked) together. If they are all in the same room, then, perhaps, we do not need to give too much thought to optimising speed and cost. But if they are separated across a campus, a country, or globally, then this becomes a big issue. This will usually be the case. Many companies exist on multiple sites and so the creation of truly integrated extended enterprises means that data and voice services must work over large distances. Almost any company that makes use of an ISP is going to have to install a connection between the ISP and its own computers. The way that these networked connections can be achieved effectively and a low cost has been, and continues to be, an area of rapid development. The easiest way to understand it is to follow the historical development.

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Two convergent approaches are used to identify gene variants contributing to the susceptibility of complex diseases: linkage and association studies. Candidate genes for a complex trait are genes that have been implicated in the pathophysiology of a disease based on genetic, physiological or pharmacological evidence. The role of a candidate gene in a complex disorder can be examined in targeted linkage studies and/or association studies.

Table 6.2 King of the World: The Top 25 U.S. Diversi ed and World Stock Funds by Average Annual Return over 11 Years through December 31, 2001

purchasing liability insurance (often available at a student rate) because they may not be covered by their school district s policies In choosing an insurance policy, several points should be kept in mind First, be sure to study the policy carefully to know what is and is not covered Some professional liability policies cover school psychologists only when their services are performed as those of an educational institution employee In other words, they do not cover independent practice Such policies are generally much less expensive than those that do cover private work Second, policies may be either claims made or occurrence based Under the former, the practitioner is covered only if insured when the alleged malpractice took place and when the claim was filed.

Figure 18-8

Under the latter, an occurrence-base policy, the practitioner is covered as long he or she was insured when the alleged malpractice took place, regardless of when the claim was filed Third, many policies reserve the right to select legal counsel and to settle the case This may be discouraging to practitioners who want their day in court The psychologist may still hire his or her own attorney to work with the one supplied by the insurance carrier, but that is an additional expense CONCLUDING COMMENTS This chapter has provided a brief overview of public school law pertinent to school psychology Legal aspects of the delivery of psychological services in the schools will be dealt with in more detail in the chapters ahead School psychologists are ethically and professionally obligated to be familiar with law and to keep abreast of changes in law affecting practices.

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We concur with Reschly and Bersoff s view that understanding of law is important as means to protect precious rights, as well as a method to resolve disagreements over rights and responsibilities The better understanding of legal influences is one way to enhance opportunities for implementing the best professional practices (1999, p 1077) STUDY AND DISCUSSION Questions for 2 1 What are the three sources of public school law within the US legal system 2 Why was the Bill of Rights passed What is the significance of the 10th Amendment with regard to public education Do citizens have a right to a public education under the US Constitution.

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