4-Color
Open
3x
6x
10x
Full page
$ 5,000
4,650
4,250
4,050
Full page spread
$ 9,000
8,350
7,650
7,300
Back-of-the-Book
1/2 Page
$ 3,000
2,790
2,550
2,430
1/4 Page
$ 1,500
1,395
1,275
1,215
Premium Positions
Cover 2 spread
$ 11,150
10,375
9,475
9,025
Cover 2
$ 6,250
5,825
5,325
5,075
Cover 3 spread
$ 10,950
10,200
9,300
8,875
Cover 3
$ 6,050
5,625
5,150
4,900
Cover 4
$ 7,100
6,600
6,025
5,750

All rates are net and do not include production charges. Guaranteed and special position add 25%. Non-profits 10% off.

Publisher's Policies
Publisher's policies supersede the terms included in any and all agency- or client-generated insertion orders.

Payment Terms
Advertisers and their agencies are jointly responsible for payment of all insertion orders and will be billed at the 1x rate unless a contract specifies a higher frequency. Advertisers who do not fulfill their frequency contracts will incur a short rate, which will be billed at the end of the advertiser's contract. Payment must be received within 30 days of invoice date or finance charges of 1.5% per month will be incurred. Accounts more than 60 days delinquent are prohibited from advertising in the magazine until payment is received.

Rate Protection
Rates for advertisers under contract are protected through the end of the contract.

Closing Deadlines
Insertion orders must arrive by the reservation date on the rate card for advertising to be published for that issue. Oral confirmations are not acceptable. Previous ads will be repeated if new artwork is not received by the materials closing date on the rate card.

Agency Commissions
All rates are net. The publisher will not be responsible for payment of any agency commissions.

Indemnification/Liability
Publisher reserves the right to refuse copy deemed inappropriate to its policies and standards. Advertisers and agencies assume liability of all content of advertisements and for any claims arising thereof against the publisher. Advertisers and their agencies agree to indemnify and protect the publication and association from any claim or action based on content of advertisements published. Publisher reserves the right to hold the advertiser and/or its agency jointly and severally liable in the event of non-payment.

Cancellations
Cancellations or changes to insertion orders must be received in writing by the reservation date. Cancellations or changes made after that date will be billed in full.

Returns
Advertising materials will be held for one year and then destroyed unless otherwise requested in writing.