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<h1 class="MsoNormal" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif">2000 CENSUS HAS CLEAR MESSAGES FOR
EMPLOYERS</font></h1>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Recent analyses of the 2000 U.S. census not only shows the
continuation of many formerly recognized trends but much new information with
some clear messages.<span style="mso-spacerun: yes"> </span>First the
messages.<span style="mso-spacerun: yes"> </span></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">To succeed in today�s business environment, employers must adapt to
new forces shaping the market place. Foremost is the need to concentrate future
recruiting and employment on older workers.aged 60 and beyond. Those who master
the techniques and gain the</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">experience will be ahead of the game as elder workers<span
style="mso-spacerun: yes"> </span>more and more become a major part of the
labor force.<span style="mso-spacerun: yes"> </span>The next is to
recruit, hire and <i style="mso-bidi-font-style:normal">retain </i>minorities
and immigrants.<span style="mso-spacerun: yes"> </span>This includes upper
levels of employment.<span style="mso-spacerun: yes"> </span>Also to
contract with minority and female subcontractors and vendors.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">More than ever employers must treat employees fairly, understand
employment regulations and to deal with them.<span style="mso-spacerun: yes">
</span>Be prepared for a more race, sex, nationality and culturally mixed
workforce.<span style="mso-spacerun: yes"> </span>Lawsuit vulnerability is
growing.<span style="mso-spacerun: yes"> </span>Avoid it!</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">These messages come from the most recent analyses available based on
data just released by the U.S. Census bureau.<span style="mso-spacerun: yes">
</span>As more data is processed and analyzed, more changes will likely result.<span
style="mso-spacerun: yes"> </span>Some will be available in a few months
some will not be completed for years.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">The census report says that the U.S. is in a continuing transition.<span
style="mso-spacerun: yes"> </span>The following are some of the
highlights.<span style="mso-spacerun: yes"> </span></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">More people are identifying themselves as of more than one race<span
style="mso-spacerun: yes"> </span>(multi racial).</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><span style="mso-spacerun: yes"> </span>The primary mixes are:</font></p>
<table border="0" width="53%">
<tr>
<td width="65%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">White
and American Indian..........</font></td>
<td width="35%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">16%</font></td>
</tr>
<tr>
<td width="65%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">White
and Asian..........</font></td>
<td width="35%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">13%</font></td>
</tr>
<tr>
<td width="65%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">White
and Black..........</font></td>
<td width="35%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">11%</font></td>
</tr>
</table>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Whites<span style="mso-spacerun: yes"> </span>(non-Hispanic) are
<i style="mso-bidi-font-style:normal">now</i> a minority in California.<span
style="mso-spacerun: yes"> </span>The same is likely to be so soon in
Texas.<span style="mso-spacerun: yes"> </span></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Hispanic is now defined as:</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">�One whose ancestors come from Cuba, Mexico, Puerto Rico or South or
Central America�.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Based on that definition, the U.S. now has about 35.3 million
Hispanics or 12.5% of the U.S. population, a 60% increase since 1990!</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">African Americans now make up about 12.3% of the U.S. population.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">We have 10 million Asian Americans making up 3.6% of the population.
They are the fastest growing ethnic group in the country.<span
style="mso-spacerun: yes"> </span></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">The U.S. added about 13.3 million new Immigrants since 1990.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">!8.1% of the population speaks a language <i
style="mso-bidi-font-style:normal">other</i> than English at home.<span
style="mso-spacerun: yes"> </span>About 60% of <u>that </u>group speaks
Spanish.<span style="mso-spacerun: yes"> </span>Also, of the 18% almost
half of them stated that they �don�t speak English very well.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">The average age of Americans is 35.3 and climbing.<span
style="mso-spacerun: yes"> </span>That is the highest in the history of
the census. And the �Baby-Boom� population is about to make that figure
jump.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">The census does not ask questions about religion, but instead uses a
study also produced by The U.S. Census Bureau, �The Statistical Analyses Of
The United States� as their source. The following figures show the U.S.
breakdown by religion:</font></p>
<table border="0" width="34%">
<tr>
<td width="47%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Protestants..........</font></td>
<td width="53%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">55%</font></td>
</tr>
<tr>
<td width="47%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Catholics..........</font></td>
<td width="53%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">28%</font></td>
</tr>
<tr>
<td width="47%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Jews..........</font></td>
<td width="53%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2%</font></td>
</tr>
<tr>
<td width="47%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">No
Religion..........</font></td>
<td width="53%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8%</font></td>
</tr>
<tr>
<td width="47%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">No
Response..........</font></td>
<td width="53%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7%</font></td>
</tr>
</table>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Educational levels are growing in America.<span
style="mso-spacerun: yes"> </span>The following shows levels of education
achieved.:</font></p>
<table border="0" width="51%">
<tr>
<td width="47%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">High
school or beyond..........</font></td>
<td width="53%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">82%</font></td>
</tr>
<tr>
<td width="47%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">B.A...........</font></td>
<td width="53%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">31%</font></td>
</tr>
</table>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Sexual orientation was counted as 1.2 million participants identified
themselves as Gay or Lesbian. That is less than 1% of the population.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Households headed up by unmarried partners regardless of sexual
orientation was 11 million or about 4% of the population</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Overall the U.S. population, at the time of the census, was reported
at 282 million people.<span style="mso-spacerun: yes"> </span>The
population as of December 1<sup>st</sup> 2001 is 285.6 million.</font></p>
<hr width="75%">
<p class="MsoBodyTextIndent"><font face="Verdana, Arial, Helvetica, sans-serif"><img
border="0" src="q&a.jpg" width="106" height="41"></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b><i>Question:</i></b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">I have employees who are �on emergency<span
style="mso-spacerun: yes"> </span>call� 24 hours a day.<span
style="mso-spacerun: yes"> </span>They must be contactable by phone,
beeper or by leaving a phone number where they can be reached.<span
style="mso-spacerun:
yes"> </span>They must report within one hour.<span
style="mso-spacerun:
yes"> </span>Must I pay them for this time.<span style="mso-spacerun: yes">
</span>What if that exceeds 40 hours in a week?<span style="mso-spacerun:
yes"> </span>Must I pay them overtime?</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b><i>Answer:</i></b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">No and No.<span style="mso-spacerun: yes"> </span>The issue is
do they have control of their time when �on call�.<span
style="mso-spacerun:
yes"> </span>As you have described it they do.<span
style="mso-spacerun:
yes"> </span>These employees have broad freedom and control of their time.<span
style="mso-spacerun: yes"> </span>They are free to play sports, go
to movies, work at home, go shopping, visit friends etc. Were they to be
incapacitated they could phone in or get a replacement.<span
style="mso-spacerun: yes"> </span>Even though they had to be<span
style="mso-spacerun: yes"> </span>within a one-hour radius<span
style="mso-spacerun: yes"> </span>by cell phone, beeper etc, .Their
activities were up to them.<span style="mso-spacerun: yes"> </span>Some
company�s� on call� policies do not allow this freedom so be careful of
your policy wording .<span style="mso-spacerun: yes"> </span>In any case,
if the paid time should exceed the 40-hour week there still would be no overtime
because the overtime<span style="mso-spacerun: yes"> </span>regulations
are based on<span style="mso-spacerun: yes"> </span>time <i
style="mso-bidi-font-style:normal">worked</i> not time <i
style="mso-bidi-font-style:normal">paid.</i></font></p>
<p class="MsoNormal"> </p>
<hr width="75%">
<div align="left">
<table border="0" width="76%" height="376">
<tr>
<td width="100%" height="370">
<p align="left"><b><u><font size="4"
face="Verdana, Arial, Helvetica, sans-serif">Hitchhiking on the
Information Highway</font></u></b></p>
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"><b><font
size="4" color="#FF0000">Dateline: December 2001</font></b></font></p>
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"><b><font
color="#000000" size="3"><u><font size="-1">The Longest Day(s)</font></u></font></b></font></p>
<p align="left"><font color="#000000" size="-1"
face="Verdana, Arial, Helvetica, sans-serif">U.S. workers log more job
hours than any other industrialized nation. While other nations'
annual hours are dropping, the U.S. is increasing. The annual
average of hours worked <b>jumped</b> by about one (1) work week. </font></p>
<p align="left"><font color="#000000" size="-1"
face="Verdana, Arial, Helvetica, sans-serif">Compared to the average
Australians, Canadians, Japanese and Mexican workers, U.S. workers work
approximately <b>100 hours</b> more per year. This is partly due
to European workers averaging <b>4 to 6 weeks of vacation</b> compared
to Americans' 2 weeks.</font></p>
<p align="left"><font color="#000000" size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>Insurance Premiums
Rising</u></b></font></p>
<p align="left"><font color="#000000" size="-1"
face="Verdana, Arial, Helvetica, sans-serif">Employer sponsored health
insurance <b>rose</b> 11% this year and are expected to reach 15% by
year end. 42% of companies surveyed said "It's very
likely" that they will <b>increase the employee share</b> of the
premium.</font></p>
<hr width="75%">
<table border="0" width="42%">
<tr>
<td width="73%">
<p align="left"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b>Minimum Wage:</b></font></p>
</td>
<center>
<td width="91%"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif">$5.15/hr.</font></td>
</center>
</tr>
</table>
<table border="0" width="90%">
<tr>
<td width="13%" valign="middle"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Average
Income:</b></font></td>
<td width="55%">
<table border="0" width="106%">
<tr>
<td width="100%">
<p align="center"><b><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">Hourly</font></b></td>
</tr>
<tr>
<td width="100%">
<table border="0" width="514">
<tr>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>Jan.</u></b><br>
$14.02</font></td>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>Feb.</u></b><br>
$14.10</font></td>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>Mar.</u></b><br>
$14.17</font></td>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><u><b>Apr.</b></u><br>
$14.22</font></td>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>May</u></b><br>
$14.26</font></td>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><u><b>June</b></u><br>
$14.29</font></td>
<td width="64"></td>
</tr>
<tr>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>July</u></b><br>
$14.34</font></td>
<td width="64">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><u><b>August</b></u><br>
$14.38</font></td>
<td width="64">
<p align="center"><font face="Verdana"><b><u><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">September</font></u></b><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
$14.41</font></font></td>
<td width="64">
<p align="center"><b><u><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif">October</font></u></b><font
size="-1" face="Verdana, Arial, Helvetica, sans-serif"><br>
$14.47</font></td>
<td width="64">
<p align="center"><u><b><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">November</font></b></u><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
$14.52</font></td>
<td width="64">
<p align="center"></td>
<td width="64">
<p align="center"></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
<td width="32%">
<table border="0" width="101%" height="78">
<tr>
<td width="100%" height="40">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>Family of<br>
Four</u></b></font></td>
</tr>
<tr>
<td width="100%" height="30">
<p align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif">$59,900
(annual)</font></td>
</tr>
</table>
</td>
</tr>
<tr>
<td width="13%" bgcolor="#C0C0C0"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Poverty
Level:</b></font></td>
<td width="55%" bgcolor="#C0C0C0"> </td>
<td width="32%" bgcolor="#C0C0C0">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">$17,650
(annual)</font></td>
</tr>
</table>
<table border="0" width="90%">
<tr>
<td width="100%">
<p><b><u><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Benefit Costs as a Percentage of Payroll</font></u></b></p>
</td>
</tr>
</table>
<table border="0" width="90%" height="275">
<tr>
<td width="53%" height="25">
<p> </p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1997</u></b></font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Statutory
Benefits</font></p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.55%</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.39%</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7.93%</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.15%</font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Health
Care Benefits</font></p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.58</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.43</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.11</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7.47</font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Pension
Plans</font></p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.66</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.31</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.84</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.06</font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Capital
Accumulation Plans</font></p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.71</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.53</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.88</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.62</font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Death
Benefits</font></p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.55</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.49</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.46</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.37</font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Disability
Benefits</font></p>
</td>
<td width="11%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.48</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.48</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.47</font></p>
</td>
<td width="12%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.47</font></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Other
Benefits</font></p>
</td>
<td width="11%" height="25">
<p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.02</font></u></p>
</td>
<td width="12%" height="25">
<p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.16</font></u></p>
</td>
<td width="12%" height="25">
<p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.87</font></u></p>
</td>
<td width="12%" height="25">
<p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.91</font></u></p>
</td>
</tr>
<tr>
<td width="53%" height="25">
<p align="center"><b><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">Total
Benefits</font></b></p>
</td>
<td width="11%" height="25">
<p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">24.83%</font></b></p>
</td>
<td width="12%" height="25">
<p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">23.40%</font></b></p>
</td>
<td width="12%" height="25">
<p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">22.83%</font></b></p>
</td>
<td width="12%" height="25">
<p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">26.05%</font></b></p>
</td>
</tr>
</table>
<table border="0" width="90%">
<tr>
<td width="100%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Predicted
increases in benefit costs (adjusted since 9/11/2001 terrorist
attacks):</font></p>
<table border="0" width="100%">
<tr>
<td width="50%" valign="top">
<blockquote>
<p><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Workers Compensation</font></p>
</blockquote>
</td>
<td width="50%" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">30%
increase nationwide</font></td>
</tr>
<tr>
<td width="50%" valign="top">
<blockquote>
<p><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Health</font></p>
</blockquote>
</td>
<td width="50%" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">20%
increase on average but 25-30% for small companies</font></td>
</tr>
</table>
</td>
</tr>
</table>
<table border="0" width="100%" bgcolor="#C0C0C0">
<tr>
<td width="25%" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Gas
Prices:<br>
</b><i>Regular</i></font></td>
<td width="12%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>National
Avg.<br>
May 15</u></b><br>
$1.76/gal.</font></td>
<td width="12%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>National
Avg.<br>
June 15</u></b><br>
$1.73/gal.</font></td>
<td width="13%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>National
Avg.<br>
July 15</u></b><br>
$1.43/gal.</font></td>
<td width="13%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>National
Avg.<br>
August 15</u></b><br>
$1.39/gal.</font></td>
<td width="13%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National
Avg.<br>
<u>September 15</u></b><br>
$1.53/gal.</font></td>
<td width="13%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National
Avg.<br>
<u>October 15</u></b><br>
$1.29/gal.</font></td>
<td width="13%" valign="top"> </td>
<td width="36%"> </td>
</tr>
<tr>
<td width="25%" valign="top"> </td>
<td width="12%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National
Avg.<br>
<u>November 15</u></b><br>
$1.18/gal.</font></td>
<td width="12%" valign="top">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National
Avg.<br>
<u>December 1</u></b><br>
$1.09/gal.</font></td>
<td width="13%" valign="top">
<p align="center"> </td>
<td width="13%" valign="top">
<p align="center"> </td>
<td width="13%" valign="top">
<p align="center"> </td>
<td width="13%" valign="top">
<div align="center">
</div>
</td>
<td width="13%" valign="top">
<p align="center"> </td>
<td width="36%">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>High (CA) $1.69<br>
Low (TN) $0.77</b></font></td>
</tr>
</table>
<b>
<table border="0" width="79%">
<tr>
<td width="50%">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>IRS Mileage Allowance <i>(1-01-01)</i>:</b></font></p>
</td>
<center>
<td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">34.5 cents per mile</font></td>
</center>
</tr>
</table>
<table border="0" width="54%" bgcolor="#C0C0C0">
<tr>
<td width="32%">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>Postage:</b></font></p>
</td>
<center>
<td width="68%"> </td>
</center>
</tr>
<tr>
<td width="32%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">1 oz.</font></td>
<td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">.34</font></td>
</tr>
<tr>
<td width="32%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Each additional ounce</font></td>
<td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">.23*</font></td>
</tr>
<tr>
<td width="32%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><i>Postcards</i></font></td>
<td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">.21*</font></td>
</tr>
<tr>
<td width="32%"> </td>
<td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><i>* Postal Rate changes effective July 1, 2001</i></font></td>
</tr>
</table>
<table border="0" width="38%">
<tr>
<td width="100%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>Where your federal tax dollar goes in 2001:</b></font></td>
</tr>
</table>
<table border="0" width="38%">
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Social Security</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">23%</font></td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Discretionary</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">19%</font></td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Defense</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">16%</font></td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Medicare (over 65 years of age)</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">13%</font></td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Other</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">11%</font></td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Interest on National Debt</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">11%</font></td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Medicaid</font></td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">7%</font></td>
</tr>
<tr>
<td width="67%"> </td>
<td width="33%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>100%</b></font></td>
</tr>
</table>
<table border="0" width="34%" bgcolor="#C0C0C0">
<tr>
<td width="100%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>Where Uncle Sam gets his money in 2001:</b></font></td>
</tr>
</table>
<table border="0" width="34%" bgcolor="#C0C0C0">
<tr>
<td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Individual income tax</font></td>
<td width="39%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">50%</font></td>
</tr>
<tr>
<td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Payroll taxes</font></td>
<td width="39%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">32%</font></td>
</tr>
<tr>
<td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Corporate taxes</font></td>
<td width="39%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">10%</font></td>
</tr>
<tr>
<td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Other</font></td>
<td width="39%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">8%</font></td>
</tr>
<tr>
<td width="61%"> </td>
<td width="39%">
<p align="right"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>100%</b></font></td>
</tr>
</table>
<table border="0" width="31%">
<tr>
<td width="25%">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b><u>Population:</u></b></font></p>
</td>
<center>
<td width="75%"> </td>
</center>
</tr>
<tr>
<td width="25%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>World</b></font></td>
<td width="75%">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6 billion</font></td>
</tr>
<tr>
<td width="25%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>U.S.</b></font></td>
<td width="75%">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">282 million</font></td>
</tr>
</table>
</b>
<table border="1" width="90%" bgcolor="#C0C0C0">
<tr>
<b>
<td width="48%">
<p align="left"> </p>
</td>
</b><center><b>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>Jan.</u></b></font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>Feb.</u></b></font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>Mar.</u></b></font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>Apr.</u></b></font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>May</u></b></font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>June</u></b></font></td>
</b></center>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">U.S. Civilian Workforce</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,955,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,751,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,868,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,757,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,272,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141.354,000</font></td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Number Unemployed</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">5,950,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">5,936,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,088,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,402,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,169,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,422,000</font></td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Unemployment Rate</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.2%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.2%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.3%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.5%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.4%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.5%</font></td>
</tr>
<tr>
<td width="48%"> </td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>July</b></u></font></td>
<td width="10%" align="center"><b><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u>August</u></font></b></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>September</u></b></font></td>
<td width="10%" align="center">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>October</u></b></font></p>
</td>
<td width="10%" align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><b><u>November</u></b></font></td>
<td width="10%" align="center"> </td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">U.S. Civilian Workforce</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,774,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,350,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,190,000</font></td>
<td width="10%" align="center">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,303,000</font></p>
</td>
<td width="10%" align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif">142,244,000</font></td>
<td width="10%" align="center"> </td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Number Unemployed</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,395,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,957,000</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,009,000</font></td>
<td width="10%" align="center">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,741,000</font></p>
</td>
<td width="10%" align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif">8,160,000</font></td>
<td width="10%" align="center"> </td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Unemployment Rate</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.5%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.9%</font></td>
<td width="10%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.9%</font></td>
<td width="10%" align="center">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.4%</font></p>
</td>
<td width="10%" align="center"><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif">5.7%</font></td>
<td width="10%" align="center"> </td>
</tr>
</table>
<table border="0" width="77%" bgcolor="#C0C0C0">
<tr>
<td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>Average Cost of replacing one employee:</b></font></td>
<td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">$36,000</font></td>
</tr>
</table>
<table border="0" width="85%">
<tr>
<td width="15%">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>Productivity Rates (2000)</b></font></p>
</td>
<center>
<td width="14%" align="center" bgcolor="#0000FF"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u><font
color="#FFFFFF">1st Qtr.</font></u></b></font></td>
<td width="14%" align="center" bgcolor="#0000FF"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u><font
color="#FFFFFF">2nd Qtr.</font></u></b></font></td>
<td width="14%" align="center" bgcolor="#0000FF"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u><font
color="#FFFFFF">3rd Qtr.</font></u></b></font></td>
<td width="14%" align="center" bgcolor="#0000FF"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u><font
color="#FFFFFF">4th Qtr.</font></u></b></font></td>
<td width="14%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1st
Qtr.<br>
2001</u></b></font></td>
<td width="15%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2nd
Qtr.<br>
2001</u></b></font></td>
<td width="15%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>3rd
Qtr.<br>
2001</b></u></font></td>
</center>
</tr>
<tr>
<td width="15%"> </td>
<td width="14%" align="center" bgcolor="#0000FF"><font
color="#FFFFFF" face="Verdana, Arial, Helvetica, sans-serif"
size="-1">2.1%</font></td>
<td width="14%" align="center" bgcolor="#0000FF"><font
color="#FFFFFF" face="Verdana, Arial, Helvetica, sans-serif"
size="-1">2.6%</font></td>
<td width="14%" align="center" bgcolor="#0000FF"><font
color="#FFFFFF" face="Verdana, Arial, Helvetica, sans-serif"
size="-1">3.0%</font></td>
<td width="14%" align="center" bgcolor="#0000FF"><font
color="#FFFFFF" face="Verdana, Arial, Helvetica, sans-serif"
size="-1">2.2%</font></td>
<td width="14%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.1%</font></td>
<td width="15%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.01%</font></td>
<td width="15%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.5%</font></td>
</tr>
</table>
<table border="0" width="72%" bgcolor="#C0C0C0">
<tr>
<td width="25%">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>Absentee Rates (annualized)</b></font></p>
</td>
<center>
<td width="19%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1997</u></b></font></td>
<td width="20%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></td>
<td width="20%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></td>
<td width="20%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></td>
</center>
</tr>
<tr>
<td width="25%"> </td>
<td width="19%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.5%</font></td>
<td width="20%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.6%</font></td>
<td width="20%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.7%</font></td>
<td width="20%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.7%</font></td>
</tr>
</table>
</td>
</tr>
</table>
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