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<h2 class="MsoNormal" align="center" style="text-align:center"><b> <span style="font-size: 18.0pt"><font face="Verdana, Arial, Helvetica, sans-serif">STRESS
CONTROL NOW!</font></span></b></h2>
<p class="MsoNormal"><span style="font-size: 14.0pt"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In
a recent <b>Personnel Notebook</b> on the subject of stress, the emphasis was
on long term and permanent solutions. But today�s pace is ever quickening.
A recent study showed that television dialog today is 15% faster than it was
in the 1950s. All news today is frantic and hyper. The job pace
often is as well. Too much stress not only lowers productivity, causes
problems with other employees and causes many medical problems, but it is a
killer, a real, life ending killer!</font></span></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">What
can you do NOW to alleviate the stress that is squeezing you NOW? </font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">A
recent report by Doctor Melissa C. Stoppler offers these 8 immediate stress
busters.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt"> </span></font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">1<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Practice Letting Go</u></b>. Begin now and practice often.
When stress or anger starts, make a conscious effort to not become stressed
or angry. Decide to let this one go.</font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">2<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Breathe</u></b> slowly and deeply. Take 3 deep breathes
and release them <i>slowly.</i> </font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">3<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Speak Slowly</u></b><u><span style="font-size: 14.0pt">.</span></u>
Calm down; speak slower than usual. By speaking and breathing slowly you
think more clearly and will appear to be less anxious.</font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">4<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Time Management.</u></b> Do one act of time management
now. Do something you have been putting off. Make that phone call,
make that Doctor�s appointment, send that e-mail or put that file away.</font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">5<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Get Outdoors</u></b> for a brief break. Just like your Grandparents
told you, fresh air has healing powers. Don�t be put off by bad weather
or a full schedule. 5 minutes can be rejuvenating.</font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">6<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Drink water</u></b> and eat a small nutritious snack.
Hunger and dehydration, even when you don�t feel them, can provoke aggressiveness
and anxiety.</font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">7<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Posture.</u></b> Check it now. Hold your head
and your shoulders upright. Avoid stooping or slumping. Bad posture
leads to muscle strain, pain and stress. So some Isometric exercises.</font></p>
<p class="MsoNormal" style="text-indent: -.5in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt">8<span style="font:7.0pt "Times New Roman"">
</span></span><b><u>Plan Something Good</u></b> for the end of the day. A visit,
buy a book or a desired gift, take a relaxing bath, see a movie or call a friend
for dinner. Don�t use this time to plan the next day�s schedule.
Be true to yourself and take this benefit.</font></p>
<p class="MsoNormal" style="margin-left:.75in"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
You�ll be much better prepared to face the next day.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 14.0pt"> </span></font><span style="font-size: 14.0pt"> </span></p>
<hr>
<hr>
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<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 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 class="MsoNormal"><b><u><span style="font-size: 16.0pt"><font face="Verdana, Arial, Helvetica, sans-serif">Living
Wage Concept Comes Again To Ohio.</font></span></u></b></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Effective
February 1, 2003, employers who enter into contracts with the city of
Lakewood, Ohio must pay a Minimum Wage that is higher than the federal
requirement ($5.15 per hour). The Lakewood Minimum Wage will be
$9.20 per hour if you also provide benefits. If you do not, then
the rate will be $10.20 per hour. This figure will be adjusted (up)
every year thereafter.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>Recent Surveys
On Employment Issues</u></font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In
recent polls by CCH Net News, the following statistics were reported:</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>67% of all respondents said that complying with the Family
and Medical Leave Act (FMLA) is either too difficult or time consuming.</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>83% said that their company�s 2003 merit increase budget
was the same or less than last year. Only 16% said it was more.</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in" align="left"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>HR professionals said that the biggest obstacle facing the
HR department was:</font></p>
<center><table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="62%" id="AutoNumber8">
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<td width="50%" align="center">
<p align="left"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Work Overload</font></td>
<td width="50%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
34%</font></td>
</tr>
<tr>
<td width="50%" align="center">
<p align="left"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Lack Of Senior Management Support</font></td>
<td width="50%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
26%</font></td>
</tr>
<tr>
<td width="50%" align="center">
<p align="left"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Lack Of Financial Resources </font></td>
<td width="50%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
15%</font></td>
</tr>
<tr>
<td width="50%" align="center">
<p align="left"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Lack Of Skills In Staff</font></td>
<td width="50%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
14%</font></td>
</tr>
<tr>
<td width="50%" align="center">
<p align="left"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Lack Of Staff Resources</font></td>
<td width="50%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
11%</font></td>
</tr>
</table></center>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>47% reported that there would be no holiday bonuses this
year.</font></p>
<p class="MsoNormal" style="margin-left:1.0in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">40%
said yes, there would be cash bonuses.</font></p>
<p class="MsoNormal" style="margin-left:1.0in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7%
said yes, there would be food items.</font></p>
<p class="MsoNormal" style="margin-left:1.0in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">6%
said yes, there would be gifts.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>55 Year-old Re-entrants
Into Labor Market Highest Ever Recorded</u></font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In
an analysis of labor force growth, the consulting firm of Challenger,
Gray & Christmas Inc., reported that the fastest growing age group
entering the labor force is the 55 year-old worker. They were primarily
people who had retired or spouses whose children had grown and decided
to return to work. This was primarily attributed to three (3) situations:</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>The dropping interest rate throughout most of 2003 reduced
the amount of retirement incomes that are affected by those lower rates.
Those lower incomes induced many early retirees to return to work </font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>Older worker layoffs resulted in those workers looking for
and finding new jobs.</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>The continuing aging of the �Baby Boomer� workforce.
The workforce is aging.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>Why Are Americans
The Best Paid And Highest Productive Workforce In The World?</u></font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In
a recent commentary by George Will, the nationally syndicated columnist,
he pointed out that America is the envy of the world for our higher standard
of living and for being the most powerful and successful country existing
today. </font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The
reason, he said, is that most other countries spend so much time on vacation!
</font></p>
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-weight: 400">Americans
take an average of 16 vacation days per year. (None of these statistics
include holidays, sick leave, jury duty, personal days, paid FMLA etc.)
</span></font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>Germans take 35 days</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>French take 37 days (Paris is pretty much closed the month
of August.)</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt; font-family: Symbol">�<span style="font:7.0pt "Times New Roman"">
</span></span>Italians take 42</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Americans
work harder! They even take their work with them on vacation, using
laptops, cell phones etc.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The
ECONOMIST magazine reports that much of the per capita wealth difference
between the United States and European countries can be explained by the
difference in vacation habits. </font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">As
national productivity increases, wages tend to go up more-so than prices.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif"><u>Where Your Energy
Dollar Goes</u></font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">American�s
electricity dollar is annually spent on the following average amounts.</font></p>
<center>
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="53%" id="AutoNumber9">
<tr>
<td width="4%" valign="top">
<ul>
<li> </li>
</ul>
</td>
<td width="71%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font:7.0pt "Times New Roman""> </span>Heating
/ Cooling</font></td>
<td width="25%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
50 cents</font></td>
</tr>
<tr>
<td width="4%" valign="top">
<ul>
<li> </li>
</ul>
</td>
<td width="71%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Water Heating</font></td>
<td width="25%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
15 cents</font></td>
</tr>
<tr>
<td width="4%" valign="top">
<ul>
<li> </li>
</ul>
</td>
<td width="71%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Appliances </font></td>
<td width="25%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
14 cents</font></td>
</tr>
<tr>
<td width="4%" valign="top">
<ul>
<li> </li>
</ul>
</td>
<td width="71%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Lighting</font></td>
<td width="25%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
11 cents</font></td>
</tr>
<tr>
<td width="4%" valign="top">
<ul>
<li> </li>
</ul>
</td>
<td width="71%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
Clocks / TVs / Radios</font></td>
<td width="25%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<u>10 cents</u></font></td>
</tr>
<tr>
<td width="4%" valign="top"> </td>
<td width="71%" valign="top"> </td>
<td width="25%" valign="top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">$1.00</font></td>
</tr>
</table></center>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-size: 16.0pt"> </span></font></p>
<h3 class="MsoBodyTextIndent"><font face="Verdana, Arial, Helvetica, sans-serif"><span style="text-decoration: none"><b><u>QUOTES
OF THE MONTH</u></b></span></font><u><span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif">
</font></span></u></h3>
<span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<p class="MsoBodyText3"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">�You
don�t need excuses for failure. Don�t use them or you will need
them forever�</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<i>
Business</i></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b></b></font>
</p>
</font>
<p class="MsoNormal"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">�There
is a theory which states that if ever anybody discovers what the universe
is for and why it is here, it will instantly disappear and be replaced
by something even more bizarre and inexplicable. There is another
theory which states that this has already happened.�</font></p>
<font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<i>
Douglas Adams</i></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i></i></font></p>
<p class="MsoBodyText3"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">�I
love deadlines. I like the whooshing sound they make as they fly
by.�</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<i>
Douglas Adams</i></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><i></i></b></font></p>
</font><font face="Verdana, Arial, Helvetica, sans-serif" size="2">
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">�People
often say that �Motivation� doesn�t last. Well neither does bathing!
That�s why we do it every day!�</font></p>
</font><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<i>
Zig Ziggler</i></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><i></i></b></font></p>
</font><font face="Verdana, Arial, Helvetica, sans-serif" size="2">
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">�If
you don�t go after what you want, you�ll never have it. If you don�t
ask, the answer is always no. If you don�t step forward, your always
in the same place.�</font></p>
</font><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<i> Stephen Covey</i></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="67%" style="border-left-style: solid; border-left-width: 1">
<table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber4" height="76">
<tr>
<td width="100%" height="76">
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber5">
<tr>
<td width="50%" align="center"><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Hourly</font></b></td>
<td width="50%" align="center"><b><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">Weekly</font></b></td>
</tr>
</table>
<table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber6" height="50">
<tr>
<td width="25%" height="50">
<p align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u>
August 2002</u><br>
$14.92</font>
</td>
<td width="25%" height="50">
<p align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u>
August 2003</u><br>
$15.34</font>
</td>
<td width="25%" height="50">
<p align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u>
August 2002</u><br>
$510.00</font>
</td>
<td width="25%" height="50">
<p align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u>
August 2003</u><br>
$520.00</font>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
<td width="20%">
<table border="0" width="99%" 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="67%" bgcolor="#C0C0C0" style="border-left-style: solid; border-left-width: 1"> </td>
<td width="20%" 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"> </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">
11.5%</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">
10.4%</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">
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">49%</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">33%</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 size="-1">Excise Taxes</font></td>
<td width="39%">
<p align="right"><font size="-1">3</font><span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">%</font></span>
</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">4%</font>
</td>
</tr>
<tr>
<td width="61%"> </td>
<td width="39%">
<p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1"><b> </b>(rounded)<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">12%</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">10%</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%"><font size="-1">Other Mandatory</font></td>
<td width="33%"> <span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
<p align="right">7%<b> </b>
</font></span> </td>
</tr>
<tr>
<td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">Other Entitlements</font></td>
<td width="33%">
<p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
size="-1">6%</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">6.3 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">291 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"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>August
2002</b></u></font></td>
<td width="12%" align="center"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>August
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">145,123,000</font></td>
<td width="12%" align="center"><font size="-1">146,967,000</font></td>
</tr>
<tr>
<td width="48%"><font size="-1">Number Employed</font></td>
<td width="12%" align="center"> <font size="-1">136,757,000</font></td>
<td width="12%" align="center"> <font size="-1">138,137,000</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 size="-1">8,271,000</font></td>
<td width="12%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
8,</font><font size="-1">830,000</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 size="-1">5.7</font><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">%</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>
<hr noshade color="#000000">
<p><b>COMPARITIVE WORLD UNEMPLOYMENT RATE FOR MAY 2003:</b></p>
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber7">
<tr>
<td width="40%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">France</font></td>
<td width="60%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">9.2%</font></td>
</tr>
<tr>
<td width="40%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Germany</font></td>
<td width="60%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">9.2%</font></td>
</tr>
<tr>
<td width="40%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Canada</font></td>
<td width="60%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7.0%</font></td>
</tr>
<tr>
<td width="40%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Sweden</font></td>
<td width="60%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">6.1%</font></td>
</tr>
<tr>
<td width="40%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">United
States</font></td>
<td width="60%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">6.1%</font></td>
</tr>
<tr>
<td width="40%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Japan</font></td>
<td width="60%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.5%</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="12%" 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="12%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></td>
<td width="12%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></td>
<td width="13%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></td>
<td width="13%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2001</u></b></font></td>
<td width="13%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2002</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 1/3 of all absenteeism<br>
Women approximately 2/3</font></td>
<td width="12%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.0%</font></td>
<td width="12%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.6%</font></td>
<td width="12%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.4%</font></td>
<td width="13%" align="center" valign="top"><font
face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.9%</font></td>
<td width="13%" align="center" valign="top">
<p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.1%</font></p>
</td>
<td width="13%" align="center" valign="top">
<p><font size="-1">3.6</font><font face="Verdana, Arial, Helvetica, sans-serif" size="-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>
</font></span>
<h3 align="center"><span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif"><b>UP
6.8% IN THE 2ND QUARTER OF 2003</b></font></span></h3>
</td>
</tr>
</table>
<p>� 2003 William J. Cook</p>
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