We know your time is valuable. We also know that around 90% of the questions we receive by e-mail are already answered in the FAQ section of this Web site. So, both to save your time and to save IFL money by increasing the efficiency of our staff, would you please take a moment to review our FAQ section before contacting us? The chances are good that you will see your question addressed here. This section is divided into a category list (to the right) to help you locate an answer quickly. Thank you!