boilerplate expansion module?

[Ignoramus13246]

I am looking for some extension that would let me insert boilerplate
text. For example. Let's say that I have a legal disclaimer saying
"author is not responsible for errors and omissions". And instead of
typing it, I would define boilerplate phrase "discl1" to be "author is
not responsible for errors and omissions". Then as I type text, I
would enter discl1, press some key like M-M-b, and it would replace
discl1 with the actual phrase.

Any suggestions?

I use xemacs btw.

i