This document contains important information about
FINAID Version 04.08.0000 as of November 18, 2003.

Contents of Readme.Txt
----------------------
1. Contact Information
2. Installing FINAID
3. Applying a FINAID Update
4. System Requirements
5. Significant Issues
6. Version History

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1. Contact Information

   Call your AVP consultant if you have any questions.
     St. Louis  800.828.6309
     Atlanta    800.441.4969

2. Installing FINAID

   The FINAID program files must be installed on a local PC, not a server.
   The CCRC data files can be located in any directory on the local PC or
   network drive.  If you store the data files on a network directory, they
   can be accessed by any workstation that has FINAID installed and the 
   appropriate network directory mapped.  However, only one user at a time
   can access the same files.

   Check that your computer meets the system requirements in section 4 and,
   if so, proceed with the installation:
   - Close all other applications.	
   - Using Windows Explorer, locate the FINAID installation file, SETUP.EXE.
   - Double-click on this file to start the installation process and follow
     the instructions on the screen.

   After completing the installation, see Help Contents:  Getting Started.

3. Applying a FINAID Update

   If you have the DOS version of FINAID, this section does not apply. Go to
   the instructions in section 2, "Installing FINAID".

   A. BEFORE INSTALLING THE UPDATE, BACKUP OR COPY THE COMMUNITY FILES IN
      YOUR FINAID 4 DATA DIRECTORY!!!  The update process is not reversible.
      The file structures will be altered permanently and cannot be returned
      to your previous version.

   B. Applying the update:
      - Close all other applications.	
      - Using Windows Explorer, locate the update file, WAUDxxxxxxxx.EXE,
        where xxxxxxxx is the update version number.
      - Double-click on this file to start the update process.
        Follow the instructions on the screen.  The update process will
        search for your original installation of FINAID 4 and apply the
        update to that installation.

4. System Requirements

   Hardware:       Minimum               Recommended
   ---------       -------               -----------
   CPU:            Pentium III 1.0 GHz   Pentium IV 2.0 GHz or faster

   Available hard
   disk space:     1 Gigabyte            1 Gigabyte

   RAM:            128 Megabytes         256 Megabytes
  
   Screen	  
   Resolution:     SVGA (800 x 600)      SVGA (800 x 600) or higher

   Color Palette:  65536 colors or       65536 colors or
                   High Color(16-bit)    High Color(16-bit) or higher

   Operating       Win95, Win98SE,       Win2000 or Windows XP
   system:         WinNT4 SP3+,          
                   WinME, Win2000

   *NOTE:  These requirements are subject to change.

5. Significant Issues

   DOS FINAID users should be aware that results from the new Windows version
   are likely to be different due to refinements and improvements in the
   projection methodology.  In general we have found that the DOS version
   generated more conservative results for the median and expected values of
   subsidy.  Also, results for 75th and 95th percentiles tend to be more
   conservative.  The exception is for cases where Medicaid or LTC benefits
   are considered.  In those cases, the Windows results tend to be more
   conservative.  Actual results for specific residents are likely to vary
   from these general comments, but the Windows version has undergone
   extensive validation testing and we believe that the underlying mathematics
   are accurate.  Diagnostics options are included with the software if you
   wish to examine the results from a specific iteration.  Please call your
   FINAID consultant to discuss any anomalous results.
   
   We strongly suggest that the user develop and apply corporate policies for
   financial screening that meet the charitable and fiscal goals of the
   community.  See "Establishing Admission Guidelines" in the Help.

6. Version History

   04.08.0000
   ----------
     Prospect screen
       - Checks on Expected Entry Date and Date of Birth changed to not allow improper entry age.


   04.07.0000
   ----------
     Assumptions
       - Qualifications Guidelines added.
       - New Money renamed to Disposable Income.
       - Tax tables changed to allow two decimal places on Constant Amount and Increment Percent.
       - Tax tables require at least two rows.
       - Federal Single and Joint table defaults contain revised 2003 values.

     Reports
       - Alert Status added to Summary report.

     Calculation logic
       - Medicaid benefit calculation has been refined.

     Report viewer
       - Now accepts network path in Print to File file selection.
       - Improved viewer font selection and printing.

     Prospect screen
       - LTC premium inflation input grid changed to allow one decimal place.

     Miscellaneous
       - Help support document includes latest staff additions.


   04.05.0000
   ----------
   Federal Deductions Table changed to contain Single and Joint values.
   

   04.04.0000
   ----------
   Initial release of FINAID for Windows.