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<p align="center"><img border="0" src="hronthejob.jpg" width="504" height="54"></p>
<h2 class="MsoNormal" align="center"><span style="font-size: 16.0pt">&nbsp;&nbsp; 
  <font face="Verdana, Arial, Helvetica, sans-serif">OVERTIME LAWSUITS: THE NEW 
  STEALTH WEAPON !</font></span></h2>
<p class="MsoNormal"><span style="font-size: 16.0pt">&nbsp;</span></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In 
  a recent court case ( Murphy vs. Commonwealth Edison) an employee won his case 
  against the company based on his misclassification as an exempt employee.&nbsp; 
  As �exempt� he was not paid overtime for those hours worked over 40 in his workweek.&nbsp; 
  He claimed to be non-exempt and under the Federal Labor Standard Act ( FLSA) 
  he was entitled to overtime pay, <i>even though he supervised two or more people 
  !</i></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
  court ruled against the employer, pointing out that the employee did not supervise 
  people in his own department or even in his own company, but instead gave orders 
  and directions to contractors performing work for the company.&nbsp; </font></p>
<p class="MsoBodyText"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Attorneys 
  from the �Midwest Employment Law Institute� who specialize in this area are 
  warning employers that the number of lawsuits has so grown as to surpass the 
  number of discrimination cases being filed.&nbsp; � It has become the employees 
  �Stealth Weapon�.&nbsp; They state that employers are blind on this issue of 
  exempt vs non-exempt and the lawsuits are coming in �under the radar� They warn 
  that how you pay an employee does not determine their exempt vs non-exempt status.&nbsp; 
  Their status is wholly determined by the kind of work they do.&nbsp; The work 
  must be 1) executive&nbsp; or&nbsp; 2) Administrative&nbsp; or&nbsp; 3) Professional&nbsp;&nbsp; 
  or&nbsp; 4) Outside Sales.&nbsp;&nbsp; And the amount of work they do cannot 
  exceed 20% being the same as the group they supervise. For the exact definition 
  of these categories see The �PERSONNEL NOTEBOOK�&nbsp; found on your association�s 
  website entitled �Who Gets paid Overtime In Your Company�</font></p>
<p class="MsoBodyText"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">As 
  an employer you need to assure the proper classification of all you employees 
  as penalties can be severe, such as double back wages, and the number of cases 
  is rapidly growing..</font></p>
<hr>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><img border="0" src="q&a.jpg" width="106" height="41"></font></p>
<p class="MsoNormal">&nbsp;</p>
<ol style="margin-top: 0in; margin-bottom: 0in" start="17" type="A">
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>Can I terminate 
      a crew employee who refused to do a job I assigned him because he felt that 
      it was something he was not very good at?</i></font></p>
  </li>
</ol>
<ol style="margin-top: 0in; margin-bottom: 0in" start="1" type="A">
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Yes.&nbsp; 
      And although you would normally use the Performance Improvement Program 
      (PIP) that issues a verbal, a written, and possibly a probationary period 
      to improve the employee�s performance, this refusal could be cause for immediate 
      termination.&nbsp; A non-exempt employee is being paid to surrender the 
      control of his/her time to your control.&nbsp; When it is established that 
      you have no longer have control over that time (insubordination), then the 
      employment bond is broken.&nbsp; </font></p>
  </li>
</ol>
<p>&nbsp;</p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Bill 
  Cook</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i style="mso-bidi-font-style:normal">Human 
  Resource Associates</i></font></p>
<p class="MsoNormal">&nbsp;</p>
<hr>
<p class="MsoNormal">&nbsp;</p>
<table border="0" width="76%" height="376">
  <tr> 
    <td width="100%" height="370"> 
      <h2 align="left"><b><u><font
      face="Verdana, Arial, Helvetica, sans-serif">Hitchhiking on the Information 
        Highway</font></u></b></h2>
      <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"><b><font
      size="4" color="#FF0000">Dateline: September 2002</font></b></font></p>
      <p class="MsoNormal"><i><font face="Verdana, Arial, Helvetica, sans-serif"
      size="-1">Note. Although we attempt to provide the HRU update on the first 
        of each month, we are normally delayed awaiting the release of several 
        monthly government statistical reports. We will hereafter update the information 
        as each report becomes available without waiting for all of them to be 
        released.</font></i></p>
      <h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>EMPLOYEES NOT 
        USING COBRA</u></font></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">A 
        new survey by the Commonwealth Fund shows that only 23% of employees leaving 
        their job choose to exercise their rights, under the COBRA entitlement, 
        to continue their insurance benefit coverage at their own expense.&nbsp; 
        COBRA is the federal act that mandates that a terminated employee be allowed 
        to continue medical coverage at their own expense for 18 months by paying 
        both the employees and the employee�s premium (+ 2% administration fee). 
        The reason for the low use of this entitlement was the high cost of that 
        full premium.</font></p>
      <h3 class="MsoNormal"><u>EMPLOYEES VALUE INFORMATION. COMPANIES RANK HIGH 
        ON DELIVERING IT. </u></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">A 
        Labor Day survey by SHRM, The Society for Human Resource Management, and 
        CPRF, the Council of Public Relations Firms, stated that 82% of employees 
        (and 95% of HR professionals) ranked employers as open and honest in employee 
        communications.&nbsp; Employees stated that a company�s reputation and 
        employees job performance is closely linked to open company communication.</font></p>
      <h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>VETS � 100 REPORTS 
        DUE DATE EXTENDED</u></font></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Employers 
        who are required to submit the annual VETS-100 report have again been 
        granted an extension for filing. You must use the official form which 
        was changed this year to accommodate more categories of Veterans. The 
        final due date is now November 1<sup>st</sup>.</font></p>
      <h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>LOUISIANA STOPS 
        THE RAMPAGE OF �LIVING WAGE RATES.</u></font></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">As 
        individual counties continue to enact �Living Wage� laws, which fundamentally 
        requires higher wages be paid to those more needy without regard to employee 
        experience or, performance, the State of&nbsp; Louisiana banned all such 
        entitlements throughout the state.&nbsp; While the Federal Minimum Wage 
        remains at&nbsp; $5.15 per hour, counties such as Montgomery County Maryland 
        have enacted �Living Wage laws� based on family size and income that can 
        raise a Minimum Wage worker�s rate to $11.50 per hour.</font></p>
      <h3><u>AVERAGE WAGE INCREASE FOR 2002/2003</u></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
        average increase in wages national for 2002 is projected to be 4.4%. ( 
        To date the actual percentage is averaging 3.7%). The average increase 
        for 2003 is now projected to be 4.0%.&nbsp; The breakdown for 2003 is:</font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
        Hourly non-union&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.9%</font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
        Non-exempt salaried&nbsp; 4.0%</font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
        Exempt salaried&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.1%</font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
        Officers / Executives&nbsp; 4.3%</font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Overall, 
        only 85% of employees will receive any increase at all.&nbsp; Employers 
        are emphasizing performance and merit as the triggers for increases.&nbsp;</font></p>
      <h3 class="MsoNormal"><u><font face="Verdana, Arial, Helvetica, sans-serif">SCAM 
        ARTISTS SELLING YOU CHEAP INSURANCE</font></u><font face="Verdana, Arial, Helvetica, sans-serif">.</font></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">THE 
        US. .Department Of Labor is issuing a scam warning to business owners. 
        A number of cases are being reported of phony companies offering cut-rate 
        premiums based on the story that they are exempt from state insurance 
        regulations. The companies later disappear when claims start piling up.</font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">You 
        can check out the validity of a health plan and / or file a complaint 
        by calling the Federal Pension Welfare Benefit Administration&nbsp; at 
        1-(866) 275-7922 or by contacting your State Insurance commission where 
        all health plans are required to register.</font></p>
      <h3 class="MsoNormal"><span style="font-size: 14.0pt"><i><font face="Verdana, Arial, Helvetica, sans-serif"><u>QUOTE 
        OF THE MONTH:</u></font></i></span></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�The 
        first step to getting the things you want out of life is this. Decide 
        what you want�</i></font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Ben 
        Stein</font></p>
      <p class="MsoNormal">&nbsp;</p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�The 
        second day of a diet is always easier than the first.&nbsp; By the second 
        day you�re off it�</i></font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Jackie 
        Gleason</font></p>
      <hr width="75%">
      <table border="0" width="33%">
        <tr> 
          <td width="64%" valign="top"> 
            <div style="border-style: solid; border-width: 1; padding-left: 4; padding-right: 4; padding-top: 1; padding-bottom: 1">
            <p align="left"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif"><b>Minimum Wage:</b></font></p>
            </div>
          </td>
          <center>
            <td width="100%" valign="top"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">$5.15/hr.</font></td>
          </center>
        </tr>
      </table>
      <table border="0" width="97%">
        <tr> 
          <td width="13%" valign="middle" style="border-left-style: solid; border-left-width: 1; border-right-style: solid; border-right-width: 1; border-top-style: solid; border-top-width: 1"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Average 
          Hourly 
            Income:</b></font></td>
          <td width="55%" style="border-left-style: solid; border-left-width: 1"> 
            <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 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"><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"><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>
                        $14.54</font> </td>
                      <td width="64">
                        <div align="center"><b><u><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1">December</font></u></b><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                          $14.61</font> </div>
                      </td>
                      <td width="64">
                        <div align="center"><u><b><font color="#000000"
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1">January</font></b></u><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                          $14.59</font> </div>
                      </td>
                      <td width="64">
                        <div align="center"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>Feb.</u></b><br>
                          $14.61</font> 
                        </div>
                      </td>
                      <td width="64"> 
                        <p align="center"> 
                      </td>
                    </tr>
                    <tr>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>Mar.</u></b><br>
                          $14.67</font> 
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>Apr.</u></b><br>
                          $14.69</font> 
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>May</b></u><br>
                          $14.70</font> 
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>June</b></u><br>
                          $14.76</font> 
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>July</b></u><br>
                          $14.80</font> 
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>
                        August</b></u><br>
                          $14.84 </font> 
                      </td>
                      <td width="64"></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" style="border-left-style: solid; border-left-width: 1; border-right-style: solid; border-right-width: 1; border-bottom-style: solid; border-bottom-width: 1"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Poverty 
            Level:</b></font></td>
          <td width="55%" bgcolor="#C0C0C0" style="border-left-style: solid; border-left-width: 1">&nbsp;</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>
      <hr noshade color="#000000">

      <table border="0" width="90%">
        <tr> 
          <td width="100%" style="border-style: solid; border-width: 1"> 
            <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="100%" height="275">
        <tr> 
          <td width="53%" height="25"> 
            <p>&nbsp;</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>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2001</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>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.3%</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>
          <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>
          <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>
          <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>
          <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>
          <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>
          <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"></td>
          <td width="12%" height="25"> 
            <p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">27.10%</font></b></p>
          </td>
        </tr>
      </table>
      <table border="0" width="100%">
        <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="99%">
              <tr> 
                <td width="61%" valign="top"> 
                  <blockquote> 
                    <p><font face="Verdana, Arial, Helvetica, sans-serif"
                    size="-1">Overall health &amp; accident policy benefits</font></p>
                  </blockquote>
                </td>
                <td width="39%" valign="top"><font
                  face="Verdana, Arial, Helvetica, sans-serif" size="-1">15% increase</font></td>
              </tr>
              <tr> 
                <td width="61%" valign="top"> 
                  <blockquote> 
                    <p><font face="Verdana, Arial, Helvetica, sans-serif"
                    size="-1">Workers Compensation</font></p>
                  </blockquote>
                </td>
                <td width="39%" valign="top"><font
                  face="Verdana, Arial, Helvetica, sans-serif" size="-1">30% increase 
                  nationwide</font></td>
              </tr>
              <tr> 
                <td width="61%" valign="top"> 
                  <blockquote> 
                    <p><font face="Verdana, Arial, Helvetica, sans-serif"
                    size="-1">Health</font></p>
                  </blockquote>
                </td>
                <td width="39%" 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>
            <hr noshade color="#000000">
          </td>
        </tr>
      </table>
      <table border="0" width="100%" bgcolor="#C0C0C0">
        <tr> 
          <td width="25%" valign="top" style="border-style: solid; border-width: 1"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Gas Prices:<br>
            </b><i>Regular<br>
            <br>
            (National Averages)</i></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 2001</u></b><br>
              $1.29/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>November 15<br>
              2001</u></b><br>
              $1.18/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>December 15<br>
              2001</u></b><br>
              $1.09/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>January 15<br>
              2002</u></b><br>
              $1.11/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>February 15 2002</u></b><br>
              $1.08/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>March 15 2002</u></b><br>
              $1.24/gal.</font> 
          </td>
          <td width="13%" valign="top">&nbsp;</td>
          <td width="36%">&nbsp;</td>
        </tr>
        <tr> 
          <td width="25%" valign="top" style="border-top-style: solid; border-top-width: 1">&nbsp;</td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>April 15 2002</u></b><br>
              $1.42/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>May 15 <br>
              2002</u></b><br>
              $1.42/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>June 15<br>
              2002</u></b><br>
              $1.39/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>July 15<br>
              2002</u></b><br>
              $1.40/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>August 15<br>
              2002</u></b><br>
              $1.40/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>September<br>
              2002</u></b><br>
              $1.40/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <p align="center">&nbsp; 
          </td>
          <td width="36%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>High (HI) $1.99<br>
              Low (GA) $1.14</b></font> 
          </td>
        </tr>
      </table>
      <hr noshade color="#000000">
      <b> 
      <table border="0" width="100%">
        <tr> 
          <td width="32%" style="border-style: solid; border-width: 1"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>IRS Mileage Allowance <i>(1-01-02)</i>:</b></font></p>
          </td>
          <center>
            <td width="68%" style="border-left-style: solid; border-left-width: 1"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">36.5 cents per mile</font></td>
          </center>
        </tr>
      </table>
      <table border="0" width="100%" bgcolor="#C0C0C0">
        <tr> 
          <td width="32%" style="border-style: solid; border-width: 1"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Postage:</b></font></p>
          </td>
          <center>
            <td width="68%" style="border-left-style: solid; border-left-width: 1">&nbsp;</td>
          </center>
        </tr>
        <tr> 
          <td width="32%" style="border-top-style: solid; border-top-width: 1"><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">.37</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">.23</font></td>
        </tr>
      </table>
      </b>
      <hr noshade color="#000000">
      <b>
      <table border="0" width="38%">
        <tr> 
          <td width="100%" style="border-style: solid; border-width: 1"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Where your federal tax dollar went in 2001:</b></font></td>
        </tr>
      </table>
      <table border="0" width="99%">
        <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%">&nbsp;</td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>100%</b></font> 
          </td>
        </tr>
      </table>
      <hr noshade color="#000000">

      <table border="0" width="98%" bgcolor="#C0C0C0">
        <tr> 
          <td width="100%" style="border-style: solid; border-width: 1"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Where Uncle Sam got his money in 2001:</b></font></td>
        </tr>
      </table>
      <table border="0" width="98%" 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%">&nbsp;</td>
          <td width="39%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>100%</b></font> 
          </td>
        </tr>
      </table>
      <hr noshade color="#000000">

      <table border="0" width="98%">
        <tr> 
          <td width="34%" style="border-style: solid; border-width: 1"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b><u>Population:</u></b></font></p>
          </td>
          <center>
            <td width="82%" style="border-left-style: solid; border-left-width: 1">&nbsp;</td>
          </center>
        </tr>
        <tr> 
          <td width="34%" style="border-top-style: solid; border-top-width: 1"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>World</b></font></td>
          <td width="82%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">6 billion</font> 
          </td>
        </tr>
        <tr> 
          <td width="34%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>U.S.</b></font></td>
          <td width="82%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">282 million</font> 
          </td>
        </tr>
      </table>
      </b> 
      <hr noshade color="#000000">

      <table border="1" width="99%" bgcolor="#C0C0C0">
        <tr> <b> 
          <td width="48%" style="border-style: solid; border-width: 1"> 
            <p align="left"><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">U.S. 
              Workforce</font></b></p>
          </td>
          </b> 
          <center>
            <b> 
            <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>September 
              2001</u></b></font></td>
            <td width="10%" align="center"> 
              <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>October 
                2001</u></b></font></p>
            </td>
            <td width="10%" align="center"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif"><b><u>November 2001</u></b></font></td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>December 
              2001</u></b></font></p>
          </td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>January 
            2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>February 
            2002</b></u></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="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,190,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,290,000</font></p>
          </td>
          <td width="10%" align="right"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">142,279,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,314,000</font></p>
          </td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,390,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,211,000</font></td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Number Unemployed</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,009,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,741,000</font></p>
          </td>
          <td width="10%" align="right"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">8,160,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,300,000</font></p>
          </td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,900.000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,892,000</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">4.9%</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"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.8%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.8%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.5%</font></p>
          </td>
        </tr>
        <tr> 
          <td width="48%">&nbsp;</td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>March 
            2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>April 
            2002</b></u></font></td>
          <td width="10%" align="center"><u><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">May</font></b></u><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b> 2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>June 2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>July 2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>August 
          2002</b></u></font></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="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,005,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,570,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,800,000</font></p>
          </td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,476,000</font></p>
          </td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,390,000</font></p>
          </td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,616,000</font></p>
          </td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Number Unemployed</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,111,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,594,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,351,000</font></p>
          </td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,424,000</font></p>
          </td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,345,000</font></p>
          </td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,142,000</font></p>
          </td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Unemployment Rate</font></td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.7%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">6.0%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.8%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.9%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.9%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.7%</font></p>
          </td>
        </tr>
      </table>
      <table border="0" width="97%" bgcolor="#C0C0C0">
        <tr> 
          <td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Average Cost of replacing one Federal Government employee:</b></font></td>
          <td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">$36,000</font></td>
        </tr>
      </table>
      <hr noshade color="#000000">

      <table border="0" width="98%">
        <tr> 
          <td width="15%" style="border-style: solid; border-width: 1"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Productivity Rates </b></font></p>
          </td>
          <center>
            <td width="14%" align="center" bgcolor="#0000FF" style="border-left-style: solid; border-left-width: 1">
            <u><b>
            <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF">
            1999</font></b></u></td>
            <td width="14%" align="center" bgcolor="#0000FF"><u><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF"> 
              2000</font></b></u></td>
            <td width="14%" align="center" bgcolor="#0000FF"><u><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF"> 
              2001</font></b></u></td>
            <td width="14%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1st Qtr.<br>
              2002</u></b></font></td>
            <td width="14%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2nd Qtr.<br>
              2002</u></b></font></td>
          </center>
        </tr>
        <tr> 
          <td width="15%" style="border-top-style: solid; border-top-width: 1">
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>OUTPUT 
              PER HOUR</i></font></p>
          </td>
          <td width="14%" align="center" bgcolor="#0000FF"> 
            <p>
            <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF">
            2.4%</font></p>
          </td>
          <td width="14%" align="center" bgcolor="#0000FF"> 
            <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF">
            2.9%</font></td>
          <td width="14%" align="center" bgcolor="#0000FF"> 
            <p><font color="#FFFFFF"
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.1%</font></p>
          </td>
          <td width="14%" align="center"> 
            <p><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.6%</font></p>
          </td>
          <td width="14%" align="center"> 
            <p><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.1%</font></p>
          </td>
        </tr>
      </table>
<hr noshade color="#000000">
     
 <table border="0" width="98%" bgcolor="#C0C0C0">
        <tr> 
          <td width="25%" style="border-style: solid; border-width: 1"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Absentee Rates (annualized)</b></font></p>
          </td>
          <center>
            <td width="15%" align="center" valign="top" style="border-left-style: solid; border-left-width: 1"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1997</u></b></font></td>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></td>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></td>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></td>
            <td width="16%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2001</u></b></font></td>
          </center>
        </tr>
        <tr> 
          <td width="25%" style="border-top-style: solid; border-top-width: 1"> 
            <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Men equal 
            approximately &#8531; of all absenteeism<br>
            Women approximately &#8532;</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.0%</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.6%</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.4%</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.9%</font></td>
          <td width="16%" align="center" valign="top"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.1%</font></p>
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>

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Anon7 - 2021