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<p align="center"><img border="0" src="hronthejob.jpg" width="504" height="54"></p>
<h2 class="MsoTitle" align="center"><font face="Verdana, Arial, Helvetica, sans-serif">What
Do Your Employees Want? And Where Do You Want Them To Do It?</font></h2>
<p class="MsoTitle"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Two
new reports are on hand that should be of value to employers. One is a
survey by Kenneth A. Kovack, Ph.D. on what employees want as opposed to what
employers <i>think</i> they want. The other is the 6<sup>th</sup> annual
report by the Small Business Survival Committee (SBSC), headquartered in Washington,
DC, that lists the best and worst U.S. states for business.</font></p>
<h4 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"><b>I.
What do employees want?</b></font></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
What employees say they want:</font></p>
<ol style="margin-top: 0in; margin-bottom: 0in" start="1" type="1">
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Interesting
work</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Feelings
of being �in� on things</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Sympathetic
help on personal problems</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Job
security</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Good
wages</font></li>
</ol>
<h4 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif">What
employers <u>think</u> employees want:</font></h4>
<ol style="margin-top: 0in; margin-bottom: 0in" start="1" type="1">
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Good
wages</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Job
Security</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Opportunity
for promotion</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Good
working conditions</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Interesting
work</font></li>
</ol>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The
key differences? Note the top 3 items on each list. The employees
ranked items regarding feelings or �cultural� issues highest while employers
identified concrete, quantifiable items. It�s becoming a matter that is
less based on financial security and more based on work content and cultures.</font></p>
<h3 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"><b>II.
Best and worst states for small business:</b></font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The
SBSC report ranks states on their ability to attract businesses and maintain
what they have. The study was based on state government imposed costs
for doing business, access to qualified labor, state support for businesses,
minimal red tape, strong computer related resources, taxes, pay rates, utility
costs, crime, good business communications with state, pro business laws, a
less controlling attitude toward businesses (less government is better government).</font></p>
<h4 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif">10 Best:</font></h4>
<ol style="margin-top: 0in; margin-bottom: 0in" start="1" type="1">
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Nevada</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">South
Dakota</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Washington
State</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Wyoming</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Florida</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Texas</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">New
Hampshire</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Alabama</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Mississippi</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Tennessee</font></li>
</ol>
<h4 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif">10 Worst
plus one special credit:</font></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">41.<span style="font:7.0pt "Times New Roman"">
</span>West Virginia<br>
42.<span style="font:7.0pt "Times New Roman""> </span>Vermont<br>
43.<span style="font:7.0pt "Times New Roman""> </span>New
York<br>
44.<span style="font:7.0pt "Times New Roman""> </span>California<br>
45.<span style="font:7.0pt "Times New Roman""> </span>New
Mexico<br>
46.<span style="font:7.0pt "Times New Roman""> </span>Minnesota<br>
47.<span style="font:7.0pt "Times New Roman""> </span>Kansas<br>
48.<span style="font:7.0pt "Times New Roman""> </span>Maine<br>
49.<span style="font:7.0pt "Times New Roman""> </span>Hawaii<br>
50.<span style="font:7.0pt "Times New Roman""> </span>Rhode
Island<br>
<br>
and dead last<br>
<br>
51.<span style="font:7.0pt "Times New Roman""> </span>Washington,
DC</font></p>
<h4 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif">Here
is the complete list of all the states in ranking order:</font></h4>
<ol style="margin-top: 0in; margin-bottom: 0in" start="1" type="1">
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Nevada</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">South
Dakota</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Washington
State</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Wyoming</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Florida</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Texas</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">New
Hampshire</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Alabama</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Mississippi</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Tennessee</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Colorado</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Michigan</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Illinois</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Alaska</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Virginia</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Indiana</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Missouri</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">South
Carolina</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Louisiana</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Arizona</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Massachusetts</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Pennsylvania</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Georgia</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">North
Dakota</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Arkansas</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Idaho</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Maryland</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Oklahoma</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Delaware</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Wisconsin</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Nebraska</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Kentucky</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Connecticut</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Utah</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">North
Carolina</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Oregon</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">New
Jersey</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Montana</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Iowa</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Ohio</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">West
Virginia</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Vermont</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">New
York</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">California</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">New
Mexico</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Minnesota</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Kansas</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Maine</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Hawaii</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Rhode
Island</font></li>
<li class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Washington,
DC</font></li>
</ol>
<hr>
<hr>
<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: May 2003</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">Women vs. Men From
The U.S. Census Bureau</font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Working
in professional specialty, administrative and managerial jobs:</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Women
34%</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Men
30%</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Living
below the U. S. Poverty Level</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Women
12.9%</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Men
10.4%</font></p>
<h4><font face="Verdana, Arial, Helvetica, sans-serif"><b>What Is An employee?</b></font></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The
U.S. Supreme Court has approved a new test to determine who is or is not
an employee. The issue arose from a dispute regarding the question of
how many employees a company had. The number of employees a company
has is important when determining what laws with which your company must
comply. Do the members of your Board of Directors count as employees?
Is a shareholder an employee? </font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">It
has long been in the interest of the state and federal governments to
reclassify non-employees so as to become employees. This includes
Independent Contractors and Boards of Directors. Such decisions
will affect taxes, benefits, EEO compliance, leave allowances, paperwork
and costs. </font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Will
your Consultant become your employee?</font></p>
<h4><font face="Verdana, Arial, Helvetica, sans-serif"><b>Where Should I
Send My Money?</b></font></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In
North Dakota, a new state law (effective August 1, 2003) allows employers
to dispense with paper checks and to pay employees through direct deposit
to their bank accounts. They are not required to obtain the consent
of the employees.</font></p>
<h4><b><font face="Verdana, Arial, Helvetica, sans-serif">Send It To My
Relatives</font></b></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In
Virginia, employees may now designate a trust fund as the recipient of
their paychecks. So a divorced or delinquent dad can have his money
sent to a child�s trust fund automatically. They may also designate
any financial institution to which employers must send their pay.
Different from North Dakota (above), the employee must sign a consent
form.</font></p>
<h4><font face="Verdana, Arial, Helvetica, sans-serif"><b>Keep It Under
Your Hat</b></font></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Under
the new HIPAA (Health Insurance Portability and Accountability Act), employers
who provide health insurance benefits must assure the protection and privacy
of all health and medical information. They are also required to
separate health and medical information from all other employment related
records. The intent is to eliminate job discrimination and the marketing
of health information. The law went into effect on April 14, 2003.
Next month�s <b>Personnel Notebook</b> will explain HIPAA as it applies
to employers. </font></p>
<h4><font face="Verdana, Arial, Helvetica, sans-serif"><b>Overtime Rules
Are Changing</b></font></h4>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">New
regulations from the Department Of Labor, if passed, will change the rules
on who is or is not exempt from the FLSA (Federal Labor Standards Act).
If approved, the number of people who must be paid overtime is expected
to increase significantly. Many �Exempt� employees will lose that
exemption and will begin earning overtime for all hours worked in excess
of 40 hours in a workweek. (Over 8 hours a day in some states.)
</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The
regulation is expected to pass and to become effective in late 2003 or
early 2004.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif">Quotes Of The Month
</font></h3>
<p class="MsoNormal"><i><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">�There
are two educations. One should teach us how to live and one to teach
us how to make a living�</font></i><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><i><br>
John Adams</i></b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�Laziness
may appear attractive, but work gives satisfaction�</i><b><i><br>
Anne Frank</i></b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�In
Washington as in the media, the urgent always takes precedence over the
important�</i><b><i><br>
Tony Snow</i></b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�Sweet
are the uses of adversity�</i><b><br>
<i> Shakespeare</i></b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�First
eliminate all that is not fact, what remains is the solution�</i></font></span><span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><br>
<i> Sherlock Holmes</i></b><p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>�After
eating an entire bull, a mountain lion felt so good he started roaring.
He kept it up until a hunter came along and shot him. The moral
is: When you�re full of bull keep your mouth shut�</i><b><i><br>
Will Rogers</i></b></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="99%">
<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="85">
<p align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>
April 2002</b></u><br>
$14.69</font> </td>
<td width="86">
<p align="center"><u><font size="-1"><b>April</b></font></u><font size="-1"
face="Verdana, Arial, Helvetica, sans-serif"><u><b>
2003</b></u><br>
$15.13</font></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">$64,000 (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>Federal<br>
Poverty
Level:</b></font></td>
<td width="55%" bgcolor="#C0C0C0" style="border-left-style: solid; border-left-width: 1"> </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="99%">
<tr>
<td width="100%" style="border-style: solid; border-width: 1">
<h3><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b><u>Benefits <br>
</u></b><i>as a Percentage of Payroll</i></font></h3>
</td>
</tr>
</table>
<table border="0" width="100%" height="275" style="border-collapse: collapse" bordercolor="#111111" cellpadding="2">
<tr>
<td width="9%" height="45" valign="top" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1997</b></font></p>
</td>
<td width="10%" height="45" valign="top" align="center" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>24.8%</b></font></p>
</td>
<td width="49%" height="45" valign="top"> <b><i>
<font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In 2002,
employee benefits represented 30% of the total compensation an
employee received.</font></i></b><p><b><i>
<font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Those
benefits ranked are:</font></i></b></td>
<td width="15%" height="45" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif"></font>
</td>
</tr>
<tr>
<td width="9%" height="46" valign="top" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font size="-1"><b><font face="Verdana, Arial, Helvetica, sans-serif">
1998</font></b></font></p>
</td>
<td width="10%" height="46" valign="top" align="center" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>23.4%</b></font></p>
</td>
<td width="49%" height="46" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
Health Care Benefits</font></td>
<td width="15%" height="46" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
11.4%</font></td>
</tr>
<tr>
<td width="9%" height="46" valign="top" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font size="-1"><b><font face="Verdana, Arial, Helvetica, sans-serif">
1999</font></b></font></p>
</td>
<td width="10%" height="46" valign="top" align="center" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>22.8%</b></font></p>
</td>
<td width="49%" height="46" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
Paid Time Off</font></td>
<td width="15%" height="46" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
10.3%</font></td>
</tr>
<tr>
<td width="9%" height="46" valign="top" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font size="-1"><b><font face="Verdana, Arial, Helvetica, sans-serif">
2000</font></b></font></p>
</td>
<td width="10%" height="46" valign="top" align="center" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>26.1%</b></font></p>
</td>
<td width="49%" height="46" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
Retirement Savings Plan</font></td>
<td width="15%" height="46" valign="top"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
8.1%</font></td>
</tr>
<tr>
<td width="9%" height="46" valign="top" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font size="-1"><b><font face="Verdana, Arial, Helvetica, sans-serif">
2001</font></b></font></p>
</td>
<td width="10%" height="46" valign="top" align="center" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>27.1%</b></font></p>
</td>
<td width="49%" height="46" valign="top"> <font size="-1" face="Verdana, Arial, Helvetica, sans-serif"><b>Total
Benefits (As a percentage of total compensation)</b></font></td>
<td width="15%" height="46" valign="top"> <font size="-1" face="Verdana, Arial, Helvetica, sans-serif"><b>
30%</b></font></td>
</tr>
<tr>
<td width="9%" height="46" valign="top" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font size="-1"><b><font face="Verdana, Arial, Helvetica, sans-serif">
2002</font></b></font></p>
</td>
<td width="10%" height="46" valign="top" align="center" bordercolor="#000080" bgcolor="#C0C0C0">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>
30.0%</b></font></p>
</td>
<td width="49%" height="46" valign="top"> </td>
<td width="15%" height="46" valign="top"> </td>
</tr>
</table>
<hr noshade color="#000000">
<b>
<table border="0" width="100%">
<tr>
<td width="37%" style="border-style: solid; border-width: 1">
<p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b>IRS Mileage Allowance :</b></font></p>
</td>
<center>
<td width="63%" style="border-left-style: solid; border-left-width: 1">
<div align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">36 cents per mile<br>
<i>Effective 01/01/03</i></font></div>
</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"> </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>
<p>
<table border="0" width="98%" bgcolor="#FFFFFF" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0">
<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="#FFFFFF" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0">
<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>
<hr noshade color="#000000">
<table border="0" width="38%" bgcolor="#C0C0C0" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0">
<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%" bgcolor="#C0C0C0" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0">
<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>
<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"> </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="12%" align="center"><u><font size="-1">April</font></u><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>
2002</b></u></font></td>
<td width="12%" align="center"><u><font size="-1">April</font></u><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>
2003</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="12%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">144,158,000</font></td>
<td width="12%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">146,473,000</font></td>
</tr>
<tr>
<td width="48%"><font size="-1">Number Employed</font></td>
<td width="12%" align="center">
<font size="-1">135,903,000</font></td>
<td width="12%" align="center">
<font size="-1">137,687,000</font></td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Number Unemployed</font></td>
<td width="12%" align="center">
<font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,255,000</font></td>
<td width="12%" align="center">
<font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,786,000</font></td>
</tr>
<tr>
<td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Unemployment Rate</font></td>
<td width="12%" align="center">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.7%</font></p>
</td>
<td width="12%" align="center">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">6.0%</font></p>
</td>
</tr>
</table>
<table border="0" width="99%" 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%" bgcolor="#FFFFFF" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0">
<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="15%" 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 ⅓ of all absenteeism<br>
Women approximately ⅔</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="15%" align="center" valign="top">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.1%</font></p>
</td>
</tr>
</table>
<hr noshade color="#000000">
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber3" bgcolor="#C0C0C0">
<tr>
<td width="100%">
<h4><b><font face="Verdana, Arial, Helvetica, sans-serif">PRODUCTIVITY
OF THE AMERICAN WORKFORCE</font></b><font face="Verdana, Arial, Helvetica, sans-serif"><br>
(The amount of goods produced, divided by the number of work hours
it took to produce it)</font></h4>
</td>
</tr>
</table>
<p>
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber2" bgcolor="#C0C0C0">
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1992</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.7%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1993</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.5%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1994</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.3%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1995</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.9%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1996</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.5%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1997</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.0%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1998</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.6%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1999</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.4%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>2000</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.9%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>2001</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.1%</font></p>
</td>
</tr>
<tr>
<td width="32%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>2002</b></font></p>
</td>
<td width="68%">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.7%</font></p>
</td>
</tr>
<tr>
<td width="32%"> </td>
<td width="68%"> </td>
</tr>
</table>
</td>
</tr>
</table>
</body>
</html>