Exhibit 3.15

                          CERTIFICATE OF INCORPORATION

                                       OF

                           DAP ACCEPTANCE CORPORATION

     FIRST:   The name of the Corporation is DAP Acceptance Corporation (the
"Corporation").

     SECOND:  The registered office of the Corporation in the State of Delaware
is located at 300 Delaware Ave., 9/th/ Floor-DE 5403, Wilmington, County of New
Castle, Delaware 19801. The registered agent of the Corporation at that address
is Griffin Corporate Services, Inc.

     THIRD:   The purpose of the Corporation is to engage in any lawful act or
activity for which corporations may be organized under the General Corporation
Law of the State of Delaware; provided that the Corporation's activities shall
be confined to the management and maintenance of its intangible investments and
the collection and distribution of the income from such investments or from
tangible property physically located outside Delaware, all as defined in, and in
such manner as to qualify for exemption from income taxation under, Section
1902(b) (8) of Title 30 of the Delaware Code, or under the corresponding
provision of any subsequent law.

     FOURTH:  The Corporation shall have authority to issue 3,000 (three
thousand) shares of common stock, having a par value of $.01 (one cent) per
share.

     FIFTH:   The Corporation shall indemnify its officers, directors, employees
and agents to the full extent permitted by section 145 of the Delaware General
Corporation Law, as amended from time to time, or any successor provision of
Delaware law.

     SIXTH:   No director of the Corporation shall be personally liable to the
Corporation or its stockholders except for (i) any breach of the director's duty
of loyalty to the corporation or its stockholders, (ii) acts or omissions not in
good faith or which



involve intentional misconduct or a knowing violation of law, (iii) unlawful
dividend payments or stock purchases or redemptions under section 174 of the
Delaware General Corporation Law (or any successor provision of Delaware law),
or (iv) any transaction from which the director derived an improper personal
benefit; and the directors of the Corporation shall be entitled, to the full
extent permitted by Delaware law, as amended from time to time, to the benefits
of provisions limiting the personal liability of directors.

     SEVENTH:  The business and affairs of the Corporation shall be managed by
or under the direction of the board of directors, the number of members of which
shall be set forth in the By-Laws of the Corporation. The directors need not be
elected by ballot unless required by the By-Laws of the Corporation.

     EIGHTH:   Meetings of the stockholders will be held within the State of
Delaware. The books of the Corporation will be kept (subject to the provisions
contained in the General Corporation Law) in the State of Delaware at such place
or places as may be designated from time to time by the board of directors or in
the By-Laws of the Corporation.

     NINTH:    In the furtherance and not in limitation of the objects, purposes
and powers prescribed herein and conferred by the laws of the State of Delaware,
the board of directors is expressly authorized to make, amend and repeal the
By-Laws.

     TENTH:    The Corporation reserves the right to amend or repeal any
provision contained in the Certificate of Incorporation in the manner now or
hereinafter prescribed by the laws of the State of Delaware. All rights herein
conferred are granted subject to this reservation.

     ELEVENTH: The Corporation shall have no power and may not be authorized by
its stockholders or directors (i) to perform or omit to do any act that would
cause the Corporation to lose its status as a corporation exempt from the
Delaware Corporation income tax under Section 1902 (b) (8) of Title 30 of the
Delaware Code, or under the



corresponding provision of any subsequent law, or (ii) to conduct any activities
outside of Delaware which could result in the Corporation being subject to tax
outside of Delaware.

     TWELFTH:    The name and mailing address of the Incorporator is James J.
Tullis, 300 Delaware Avenue, 9th Floor - DE 5403, Wilmington, Delaware 19801.

     THIRTEENTH: The powers of the incorporator shall terminate upon election of
directors.

     I, THE UNDERSIGNED, being the incorporator hereinbefore named for the
purpose of forming a corporation pursuant to the General Corporation Law of the
State of Delaware, do make this certificate, hereby declaring and certifying
that this is my act and deed and the facts herein stated are true, and
accordingly have hereunto set my hand this 10th day of November, 1999.

                                             /s/ James J. Tullis
                                             ---------------------------
                                             James J. Tullis
                                             Incorporator