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<h2 class="MsoNormal" align="center" style="text-align:center"><b> <font face="Verdana, Arial, Helvetica, sans-serif">DELEGATION,&nbsp; 
  LAZY BOSS OR GOOD MANAGER?</font></b></h2>
<p class="MsoNormal">&nbsp;</p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Delegating 
  authority, projects and activities is one of the more significant criteria in 
  the development and evaluation of managers.&nbsp; Whether on a �once�in-a-while� 
  basis or as a regular procedure, delegating is one of those �Flashpoint� issues 
  that can make or break a successful operation or a managers career. �</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Some 
  managers only delegate the work that they hate to do.&nbsp; Others delegate 
  only what they don�t have the time to do.&nbsp; But there�s a lot more to delegating 
  than �dumping�.</font></p>
<h3 class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif"><b>Why 
  Delegate?</b></font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Delegating 
  can be the most efficient and productive way to get things done.&nbsp; It can 
  also be the best way to develop and train the �Delegator� and the �Delegatee�.&nbsp; 
  </font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">At 
  it�s base, delegating means multiplying the effectiveness and productivity of 
  one person to many persons.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">To 
  delegate means to send someone to represent <i>you.&nbsp; </i> You are entrusting 
  that person with the power and authority to act on your behalf!&nbsp; How well 
  they do, may actually mean how well <i>you</i> did!</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif">Select The Right Person</font></h3>
<font face="Verdana, Arial, Helvetica, sans-serif" size="-1">This will require 
a little thought.&nbsp; There may be an obvious choice.&nbsp; But when its not 
so obvious, there are potential political and offending issues.&nbsp; Consideration 
should also be given to the opportunity to develop staff members who may gain 
valuable experience through this assignment. Be sure that they have the skills, 
tools and time to accomplish the end result.&nbsp; If they don�t, provide it to 
them, or delegate it to someone else.&nbsp; </font> 
<h1>&nbsp;</h1>
<h3><font face="Verdana, Arial, Helvetica, sans-serif">Assign The Task</font> 
</h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Set 
  realistic deadlines.&nbsp; But ask them to complete it a few days earlier to 
  allow for unexpected or last minute problems.&nbsp; Be sure that the person 
  you are delegating to, knows the end results you are expecting.&nbsp; Take a 
  little time to orient them to the bigger picture and their place in it.&nbsp; 
  Encourage questions and provide guidance.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif">Be Available</font> </h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Offer 
  help as needed.&nbsp; Assure them that you welcome questions or assistance, 
  �we�re in this together�.&nbsp; Overview, check up and evaluate progress.&nbsp; 
  Remember, you�re not �dumping� the assignment, you�re delegating it.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif">Outsource It? </font></h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Some 
  projects are best delegated to an outside vendor.&nbsp; Often less expensive 
  and more productive, it also prevents your team from being sidetracked with 
  �one-time� projects that interfere with their real goals.</font></p>
<h3><font face="Verdana, Arial, Helvetica, sans-serif">When The Assignment Is 
  Done</font> </h3>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Don�t 
  just take it off your mind, take it off your list, physically.&nbsp; And do 
  it with the person to whom it was assigned.&nbsp; Spend a little time reviewing 
  it. Recognize their accomplishment and effort with a note or a small gift.&nbsp; 
  Be appreciative and you�ll motivate people to want to do more.</font></p>
<hr>
<h2 style="margin-left:.75in" align="center">
<font face="Verdana" color="#008000">Have an employment question?</font></h2>
<h3 style="margin-left:.75in" align="center"><font face="Verdana">Send it to
<a href="mailto:[email protected]?subject=From HR On The Job">
[email protected]</a></font></h3>
<p style="margin-left:.75in" align="center"><b><font face="Verdana" size="2">
Please include Company Name and Association in your e-mail. Company 
identification will be kept confidential.</font></b></p>
<hr>
      <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: December 2004</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>
      <p>&nbsp;</p>
<table border="0" width="100%" height="67">
  <tr> 
    <td width="100%" height="370"> 
      <span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"></font></span> 
      <h3 align="left"><font face="Verdana, Arial, Helvetica, sans-serif">Some 
        Advancement In Immigration Laws</font></h3>
      <p class="MsoNormal" align="left"><span style="font-size: 14.0pt"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">While 
        many U.S. industries, associations and companies are urging congress to 
        expand the H-2B visa cap allowing more immigrant workers to fill job vacancies, 
        there has at least been some progress in the H-1B program.&nbsp; H-1B 
        allows workers with specialty occupations, primarily hi-tech, to obtain 
        U.S. employment.&nbsp; The recently passed legislation will allow up to 
        an <u>additional </u>20,000 guest workers for those H-1B jobs.&nbsp; </font></span> 
      </p>
      <p class="MsoNormal" align="left"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
        employer must establish that no American workers are being displaced and 
        there are additional fees required under the new regulations.&nbsp; </font></p>
      <p class="MsoBodyText2" align="left"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">While 
        technology companies such as Microsoft and Intel are supporters of the 
        bill, labor unions are fighting against all immigration employment programs.</font></p>
      <p class="MsoBodyText2">&nbsp;</p>
      <center><table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="49%" id="AutoNumber7">
          <tr> 
            <td width="100%" height="106"> 
              <h4><b><font face="Verdana, Arial, Helvetica, sans-serif">�<span style="font-size:14.0pt;mso-bidi-font-size:12.0pt">A 
                leader is one who knows the way, goes the way and shows the way�</span></font></b> 
              </h4>
              <blockquote> 
                <blockquote> 
                  <blockquote> 
                    <blockquote> 
                      <blockquote> 
                        <blockquote> 
                          <h4> <font face="Verdana, Arial, Helvetica, sans-serif"> 
                            <i> John C. Maxwell</i></font></h4>
                        </blockquote>
                      </blockquote>
                    </blockquote>
                  </blockquote>
                </blockquote>
              </blockquote>
            </td>
        </tr>
      </table></center>
      <p>&nbsp;</p>
      <h3><font face="Verdana, Arial, Helvetica, sans-serif">Government Goofs 
        On Definition Of �Dependent�</font></h3>
      <p class="MsoNormal"><span style="font-size: 14.0pt"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Mark 
        Twain once said that no citizen is safe when the legislator is in session.&nbsp; 
        Every now and then lawmakers make a real effort to prove �ole Mark� was 
        right.&nbsp; When Congress recently passed the �Working Families Relief 
        Act of 2004�, they defined for the purpose of the act, just what a dependent 
        was.&nbsp; They were very specific about what was and wasn�t a dependent.&nbsp; 
        But they weren�t as specific about how many other laws their definition 
        applied to.&nbsp; </font></span> </p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
        act was worded in such a way that it included other regulations beyond 
        tax relief.&nbsp; </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">So 
        when companies who provided employee benefits to their employees found 
        that the Health Savings Accounts (HSA) no longer allowed the employees 
        to claim their dependents as before, a national emergency was declared.&nbsp; 
        While benefit administrators and investment consultants were advising 
        their clients to comply with the new changes, the IRS was sending out 
        disclaimers saying to ignore the changes.&nbsp; Several employer groups, 
        The U.S. Chamber Of Commerce and even other government representatives 
        formed a committee to address the Congress on this issue; Congressmen 
        are frantically writing a new definition correcting all the earlier mistakes.&nbsp; 
        Stay tuned for the outcome.</font></p>
      <div align="center">
        <center>
          <table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="48%" id="AutoNumber8" height="96">
            <tr> 
              <td width="100%" height="96"> 
                <h4><b><font face="Verdana, Arial, Helvetica, sans-serif">�<span style="font-size:14.0pt;mso-bidi-font-size:12.0pt">I�ve 
                  suffered through a great many catastrophes in my life. <span style="mso-spacerun:yes">&nbsp;</span>Most 
                  of them never happened�</span></font></b> </h4>
                <blockquote> 
                  <blockquote> 
                    <blockquote> 
                      <blockquote> 
                        <blockquote> 
                          <blockquote> 
                            <h4><font face="Verdana, Arial, Helvetica, sans-serif"><i style="mso-bidi-font-style:normal"> 
                              <span style="mso-bidi-font-size:12.0pt"> Mark Twain</span></i></font><i style="mso-bidi-font-style:normal"><o:p></o:p></i></h4>
                          </blockquote>
                        </blockquote>
                      </blockquote>
                    </blockquote>
                  </blockquote>
                </blockquote>
              </td>
          </tr>
        </table>
        </center>
      </div>
      <p class="MsoNormal"><span style="font-size: 14.0pt">&nbsp;</span></p>
      <![if !mso]><![endif]> 
      <h3><font face="Verdana, Arial, Helvetica, sans-serif">Are American Workers 
        Overworked?</font> </h3>
      <p class="MsoNormal"><span style="font-size: 14.0pt"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">A 
        regular message from the national media is that we Americans are overworked 
        to the point of exhaustion.&nbsp; Many of us truly feel that way and some 
        of us are being convinced of it.&nbsp; It is now almost a universal badge 
        of honor to complain about how overworked and stressed we all are.&nbsp; 
        But is it really true? </font></span></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Well 
        maybe.&nbsp; American workers have for more than 70 years been the single 
        most productive work force in the world.&nbsp; That�s why our standard 
        of living is the envy of the world. But over the last few years we have 
        been reminded often that other counties get more vacation time and more 
        time off and they do not have to work as hard.&nbsp; They practically 
        close down the country of France for vacations during the month of August.&nbsp; 
        </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">As 
        a result, we in the U.S. are now seeking and getting shorter work weeks 
        and more time off.&nbsp; We are becoming much more family friendly in 
        the workplace.&nbsp; Legislation is expected in 2005 that will expand 
        this concept.&nbsp; That certainly seems like a good thing.&nbsp; But 
        we have also slipped out of first place.&nbsp; Australia is now the most 
        productive country in the world.&nbsp; We are number 2.&nbsp; </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">There 
        has been a lot of study on this subject.&nbsp; Are we truly working more 
        or are we more stretching our entire lives too thin?&nbsp; The American 
        Psychological Association recently published the results of their study 
        on the �Overworked Workforce�.&nbsp; There were a lot of surprises.&nbsp; 
        </font></p>
      <p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp; 
        </span>The number of hours worked by the average American worker (men 
        and women) has remained relatively the same since 1970.&nbsp; </font></p>
      <p class="MsoNormal" style="text-indent: -.25in; margin-left: .5in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp; 
        </span>When you forget about the �averages� and focus on the difference 
        between higher paid �exempt Jobs� and the lower paid �non-exempt jobs�, 
        the difference stands out. </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Higher 
        paid exempt jobs are actually working fewer hours than they were in 1970.&nbsp; 
        While lower paid non-exempt jobs are working more hours than in 1970.&nbsp; 
        Further, when looking at the families of the two groups, The greatest 
        number of single wage earner families are in the higher paid exempt workers, 
        while the greatest number of multiple wage earner families are among the 
        lower paid non-exempt workers.&nbsp;&nbsp; </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">In 
        other words, lower paid workers tend to put more family members to work, 
        and they put in more hours individually than average.&nbsp; Higher paid 
        workers tend more to be the single bread winner for the family when compared 
        to lower paid workers and are working fewer hours.&nbsp; </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">So 
        the number of work hours Americans are putting in is about the same as 
        it has been for over 30 years.&nbsp; But lower paid non-exempt workers 
        are putting in more hours while higher paid exempt workers are actually 
        working fewer hours. </font> </p>
      <div align="center">
        <center>
          <table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="57%" id="AutoNumber9">
            <tr> 
              <td width="100%"> 
                <h4><font face="Verdana, Arial, Helvetica, sans-serif"><b>�Call 
                  it a clan, call it a network, call it a tribe or call it a family.<span style="mso-spacerun:yes">&nbsp; 
                  </span>Whatever you call it, whoever you are, you need one�</b></font> 
                </h4>
                <blockquote> 
                  <blockquote> 
                    <blockquote> 
                      <blockquote> 
                        <blockquote> 
                          <blockquote> 
                            <h4><font face="Verdana, Arial, Helvetica, sans-serif"><i>Jane 
                              Howard<o:p></o:p></i></font><font face="Verdana, Arial, Helvetica, sans-serif"><i><o:p></o:p></i></font></h4>
                          </blockquote>
                        </blockquote>
                      </blockquote>
                    </blockquote>
                  </blockquote>
                </blockquote>
              </td>
          </tr>
        </table>
        <p>&nbsp;</p></center>
      </div>
      <div align="center">
        <center>
          <table border="1" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="38%" id="AutoNumber10">
            <tr> 
              <td width="100%"> 
                <h4><font face="Verdana, Arial, Helvetica, sans-serif"><b>�Never 
                  eat more than you can lift�</b></font></h4>
                <blockquote> 
                  <blockquote> 
                    <blockquote> 
                      <blockquote> 
                        <blockquote> 
                          <blockquote> 
                            <h4><i><font face="Verdana, Arial, Helvetica, sans-serif">Miss 
                              Piggy<o:p></o:p></font><o:p></o:p></i></h4>
                          </blockquote>
                        </blockquote>
                      </blockquote>
                    </blockquote>
                  </blockquote>
                </blockquote>
              </td>
          </tr>
        </table>
        </center>
      </div>
      <![if !mso]><![endif]>
      <![if !mso]><![endif]>
      &nbsp;<span style="text-decoration: none"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><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 
            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> 
                          November 2003</u><br>
                          $15.46</font> 
                      </td>
                      <td width="25%" height="50"> 
                        <p align="center"><u> 
                          <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
                        November</font></u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u> 
                          2004<br>
                          </u>$15.83</font> 
                      </td>
                      <td width="25%" height="50"> 
                        <p align="center"> <span style="text-decoration: none"><u> 
                          <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
                        November</font></u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u> 
                        2003</u><br>
                          </font></span> 
                        <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"> 
                          $519.65</font> 
                      </td>
                      <td width="25%" height="50"> 
                        <p align="center"><u> 
                          <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">
                        November 2004</font></u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><br>
                          </u>$535.39</font> 
                      </td>
                    </tr>
                  </table>
                </td>
              </tr>
            </table>
          </td>
          <td width="20%" bgcolor="#C0C0C0"> 
            <table border="0" width="99%" height="96">
              <tr> 
                <td width="100%" height="40" colspan="2"> 
                  <h3 align="center"><span style="text-decoration: none"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Federal<br>
                    Poverty Level:</b></font></span></h3>
                </td>
              </tr>
              <tr> 
                <td width="50%" height="48"> 
                  <p align="center"><b><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">One 
                    (1) Person<br>
                    </font></u></b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">$8,980</font>
                </td>
                <td width="50%" height="48"> 
                  <p align="center"><u><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Family 
                    of Four</font></b></u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                    $18,400</font>
                </td>
              </tr>
            </table>
          </td>
        </tr>
        </table>
      <hr noshade color="#000000">
      <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 size="-1"><b>37.5</b> </font><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">cents per mile<br>
                &nbsp;</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">&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> 
      <p> 
      <table border="0" width="38%" 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 2003:</b></font></td>
        </tr>
      </table>
      <p align="center"> <img border="0" src="../../graphics/2003usrevenue.gif" width="630" height="371"></p>
      <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 2003:</b></font></td>
        </tr>
      </table>
      <p align="center"> <img border="0" src="../../graphics/2003usbudget.gif" width="632" height="402"></p>
      <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">6.3 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">292.3 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>
            <td width="12%" align="center"><font face="Verdana, Arial, Helvetica, sans-serif"><b><u><font size="-1"> 
              November 2003</font></u></b></font></td>
            <b> 
            <td width="12%" align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b> 
              November 2004 </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">147,187,000</font></td>
          <td width="12%" align="center"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">148,289,000</font></td>
        </tr>
        <tr> 
          <td width="48%"><font size="-1">Number Employed</font></td>
          <td width="12%" align="center"> <font size="-1" face="Verdana, Arial, Helvetica, sans-serif">138,533,000</font></td>
          <td width="12%" align="center"> <font size="-1" face="Verdana, Arial, Helvetica, sans-serif">
          140,261,000</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">8,653,000</font></td>
          <td width="12%" align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"> 
            8,027,000</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">5.9</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">5.4%</font></p>
          </td>
        </tr>
      </table>
      <hr noshade color="#000000">
      <table border="0" width="98%" bgcolor="#FFFFFF" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0" height="96">
        <tr> 
          <td width="25%" style="border-style: solid; border-width: 1" height="48"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Absentee Rates (annualized)</b></font></p>
          </td>
          <center>
            <td width="10%" align="center" valign="top" style="border-left-style: solid; border-left-width: 1" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1997</u></b></font></td>
            <td width="10%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></td>
            <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></td>
            <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></td>
            <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2001</u></b></font></td>
            <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2002</u></b></font></td>
            <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>3rd Quarter<br>
              2003</u></b></font></td>
          </center>
        </tr>
        <tr> 
          <td width="25%" style="border-top-style: solid; border-top-width: 1" height="48"> 
            <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="10%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.0%</font></td>
          <td width="10%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.6%</font></td>
          <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.4%</font></td>
          <td width="11%" align="center" valign="top" height="48"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.9%</font></td>
          <td width="11%" align="center" valign="top" height="48"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">2.1%</font></p>
          </td>
          <td width="11%" align="center" valign="top" height="48"> 
            <p><font size="-1">3.6</font><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">%</font></p>
          </td>
          <td width="11%" align="center" valign="top" height="48"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.9%</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 size="2" face="Verdana, Arial, Helvetica, sans-serif">PRODUCTIVITY 
              OF THE AMERICAN WORKFORCE</font></b><font size="2" 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%"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>2003</b></font></td>
          <td width="68%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">4.5%</font></td>
        </tr>
        <tr> 
          <td width="32%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif"><b>1st 
            Quarter 2004</b></font></td>
          <td width="68%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">UP 
            3.8% Increase</font></td>
        </tr>
        <tr> 
          <td width="32%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif"><b> 
            2nd Quarter 2004</b></font></td>
          <td width="68%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">UP 
            2.5% Increase</font></td>
        </tr>
        <tr>
          <td width="32%"><font size="-1"><b>3r</b></font><font size="-1" face="Verdana, Arial, Helvetica, sans-serif"><b>d Quarter 2004</b></font></td>
          <td width="68%"><font size="-1" face="Verdana, Arial, Helvetica, sans-serif">UP 
            1.9% Increase</font></td>
        </tr>
        <tr> 
          <td width="32%">&nbsp;</td>
          <td width="68%">&nbsp;</td>
        </tr>
      </table>
      </font></span> 
      <h3 align="center">&nbsp;</h3>
    </td>
  </tr>
  <tr>
    <td width="100%" height="61">&nbsp;</td>
  </tr>
</table>

<p><font face="Verdana" size="2">� 2004 William J. Cook</font></p>

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Anon7 - 2021