6

(NAPSA)—Every year, certaincolors capture the imaginationand help sum up what’s stylish inhome design. “People are planning to live with

their color choices longer,” saysBehr Paints color expert ErikaWoelfel. “Look for complex colorsthat refresh and add energy to yourspace. Many of the new neutralshades are complex and offer greatversatility.” Fashionable colors are found in

four distinct themes: Farm HouseCraft, Dark Glamour, Artisan Voyageand Soft Structure. To envision theFarm House Craft look, think wild-flowers overflowing on the table and

herbed bread baking in the oven ofyour new country kitchen. Decora-tive embellishments are kept to aminimum while natural shapes andtextures are highlighted. Colorssuch as Behr’s Clay Pebble serve asa comfortable background for thecontrast of polished wood cabinetryand weathered barn timbers. Freshand darkly muted greens recallspring grasses and ripe summervegetables.

Decorative elements includehand-thrown pottery, pewter-cop-per-iron metals, natural dyed fab-rics in cotton and denim andkitchen herb gardens. The colorpalette includes Forest Ridge,Japanese Fern, Mocha Accent andWine Barrel, all inspired by lushfields, the weathered driftwoodgray of reclaimed timbers and thebrowns of turned earth.For Dark Glamour, think dis-

tinctly elegant with masculineovertones. Smudged Black Suedeadds a dramatic edge while peacockand wineberry shades beguile. Mir-rored surfaces reflect dazzling crys-tals while lush floral arrangementssoften the austerity. Skyscraper sil-houettes and black and white city -scapes add a touch of romantic nos-talgia, and accessories includeMachine Age inventions such astypewriters, Edison phonographsand electric fans, velvety textures,steamer trunks and reflective sur-faces. Paint shades are ThermalSpring, Dark Granite and DeepGarnet, inspired by Art Deco orna-mentation and sleek ocean liners.

Cultural influences and nat-ural elements meet in the lookknown as Artisan Voyage. Exoticenergy comes from the use of hot-house flowers and geometric grill-work motifs. Flea market odditiesand old world paraphernalia cre-ate eclectic flair when mixed withan assortment of modern furnish-ings. Vivid colors include GlowingFirelight, Empress Teal, StatusBronze, Chlorophyll and SoulfulMusic. Decorative elementsinclude Bohemian glass, colorfulrugs and throws, basket weavesand antique books. The strong lines of Soft Struc-

ture are softened by circles, pais-leys and shaggy textures. Therelaxed nature of this style encour-ages a playful approach to coordi-nating decor. The energy of bright

yellow and cerulean Royal Peacockblue pair well with the soothingPorpoise gray and creamy Frostwhite. Whimsical elements such asceramic animals, embossed metalsand artful accent pieces add youth-ful appeal. Large scale graphics onwalls and fabrics, circular furnish-ings with rounded edges, nubbywool rugs and crocheted knits arefeatured.Behr Paint is available exclu-

sively at The Home Depot. For moreinformation, visit www.behr.com.

Color Trends For 2010

Colors such as Behr’s ClayPebble serve as a comfortablebackground for the contrast ofpolished wood cabinetry andweathered barn timbers.

The room’s palette borrows theaqua of the Aegean Sea, the deepblue of Spanish tiles, Moorishspice tones and the colors of thevibrant street markets in Cairoand Istanbul.

The angular strong lines of thisroom are softened by circles,paisleys and shaggy textures.

(NAPSA)—When you own anindependent business or are self-employed, it can be confusing todetermine which type of autoinsurance is right for you—com-mercial or personal?Whether you need a commer-

cial policy depends on how you useyour vehicle and what companyyou have it insured with. Everycompany has different guidelinesand may surcharge for business-use coverage on a personal autopolicy.If you’re not sure whether busi-

ness use is covered on your personalpolicy, it’s important to call yourinsurance agent. Leading commer-cial auto insurer Progressive offersthese four questions you mightwant to ask:

What is considered “commer-cial use”? One definition couldinclude “engaging in transportinggoods for compensation or a fee,”which includes pizza or newspaperdelivery, catering, door-to-door con-sulting services, landscaping orsnowplowing services, logging busi-ness, day care/church van servicesor farm-to-market delivery. If youuse your vehicle for any of theseactivities, consider purchasing acommercial vehicle policy.

Do I need more liabilitycoverage than a personal autopolicy provides? As a business,your state likely requires you tocarry higher liability limits thanwhat a personal insurance policyoffers. And in some cases, yourclients might require you to carrycertain liability limits. Find outwhich—if any—liability require-ments apply to your business.

Do I need special coveragefor situations encounteredwhile conducting business?Commercial auto policies usually

offer specialized coverages thatare normally not available withpersonal auto policies. Theseinclude Non-Owned Auto cover-age, which would cover youremployees’ personal vehicles whilethey’re on a business errand, andHired Auto coverage, which coversrental vehicles.

Do I need to list any em -ployees as drivers? If you haveemployees who drive your busi-ness vehicles, they should belisted on your commercial autopolicy so they’re covered if theyget into an accident. With a per-sonal auto policy, you can’t listemployees as drivers unless theylive with you.In general, you’ll need commer-

cial auto coverage if the vehicleyou use is owned by a corporation,partnership or driven by employ-ees, or if it’s used to haul tools orequipment weighing more than500 pounds, make deliveries, or isheavy enough to require state orfederal filings. For more information, includ-

ing a five-question test to find outif commercial auto insurance isright for your business, visitwww.progressivecommercial.com.

Understanding Your Insurance: Personal Or Commercial?

You may need commercial autoinsurance.

(NAPSA)—Good news for theover 23 million Americans withdiabetes: Insulin injections todaycan be easier and more comfort-able than many realize becausethe needles, such as the BD minipen needle, can be thin, sharp andshort. For more information, visitwww.bd.com/goodinjectionpractices/.

** ** **Something can be done about

domestic violence if everyonetakes it seriously. Anyone sub-jected to it should know he or sheis not alone. There is support inthe community. For example, theKaiser Permanente Family Vio-lence Prevention Program, atwww.kp.org/domesticviolence.

** ** **Doctors may recommend

treatment with Euflexxa® incases of mild to moderate kneeosteo arthritis after unsuccessfultreatment with exercise and sim-ple analgesics. For more informa-tion about osteoarthritis, you can

talk to your doctor and visitwww.euflexxa.com.

** ** **The U.S. Centers for Disease

Control and Prevention urgeseveryone between the ages of 19and 24 to get the H1N1 monova-lent flu vaccine. Your doctor, phar-macist and the health departmentcan tell you where. Learn more atwww.flu.gov, www.cdc.gov/flu and(800) CDC-INFO (800-232-4636).

***Never doubt that a small group of thoughtful, committed peoplecan change the world. Indeed it is the only thing that ever has.

—Margaret Mead ***

***It is easier to fight for one’s principles than to live up to them.

—Alfred Adler ***

A klazomaniac is someone who feels like shouting.

***If you want to sacrifice theadmiration of many men for thecriticism of one, go ahead, getmarried.

—Katharine Hepburn ***

***Don’t confuse fame with suc-cess. Madonna is one; HelenKeller is the other.

—Erma Bombeck ***

The poinsettia is named forJoel Roberts Poinsett, an Ameri-can diplomat.