Parents may be required to use their own insurance for paying for certain services as long as they are not suffering any financial losses (Maag & Katsiyannis, 1996;
Spaller & Thomas, 1994; Yell, 1998).
We thank the numerous individuals who have assisted in the field and lab, especially Katie Busse, Deb Corti, Kay Edly, Chuck Elzinga, Neal Godby, Katie Hallat, Roger Haro, Jeff Heilveil, Leon Hinz, Wade Hoiland, Mike Hoppenworth, Melinda Knapp, Anne Monnelly, Suzanne Nelson, Laurel Nida, Mike Slamecka, Amy Sosin, Randy
Spaller, and Dave Zaber.