Exhibit 3.16


                     AMENDED ARTICLES OF INCORPORATION

                                     OF

                                 [Company]



                  FIRST: The name of the corporation is [Company]
         (hereinafter, the "Corporation").

                  SECOND: The address of the registered office of the
         Corporation is 1300 East 9th Street, Suite 1010, Cleveland, Ohio
         44114. The name of the registered agent at that address is CT
         Corporation System.

                  THIRD: The principal office of the Corporation is
         [principal business address].

                  FOURTH: The purpose of the Corporation is to engage in
         any lawful act or activity for which a corporation may be
         organized under the Ohio General Corporation Law including, but
         not limited to, the acting as an insurance agent and the providing
         of insurance services, exclusive of the underwriting of insurance
         policies.

                  FIFTH: The total number of shares of stock which the
         Corporation shall have authority to issue is One Thousand (1000)
         shares of Common Stock, each having a par value of one cent
         ($0.01).

                  SIXTH: The holders of shares of Common Stock of the
         Corporation shall not have cumulative voting rights.