KGRKJGETMRETU895U-589TY5MIGM5JGB5SDFESFREWTGR54TY
Server : Apache/2.4.62
System : FreeBSD fbsdweb2.web.rcn.net 14.1-RELEASE FreeBSD 14.1-RELEASE releng/14.1-n267679-10e31f0946d8 GENERIC amd64
User : www ( 80)
PHP Version : 8.3.8
Disable Function : NONE
Directory :  /domains/highlandlabs/cqi-bin/ALFA_DATA/alfasymlink/root/domains/hrahg/pn2000/

Upload File :
current_dir [ Writeable ] document_root [ Writeable ]

 

Current File : /domains/highlandlabs/cqi-bin/ALFA_DATA/alfasymlink/root/domains/hrahg/pn2000/hronthejob14.htm
<html>

<head>
<meta http-equiv="Content-Type" content="text/html; charset=windows-1252">
<meta name="GENERATOR" content="Microsoft FrontPage 5.0">
<meta name="ProgId" content="FrontPage.Editor.Document">
<title>HR - On the Job</title>
<style>
<!--
 li.MsoNormal
	{mso-style-parent:"";
	margin-bottom:.0001pt;
	font-size:12.0pt;
	font-family:"Times New Roman";
	margin-left:0in; margin-right:0in; margin-top:0in}
h1
	{margin-bottom:.0001pt;
	page-break-after:avoid;
	font-size:12.0pt;
	font-family:"Times New Roman";
	font-weight:normal;
	text-decoration:underline;
	text-underline:single; margin-left:0in; margin-right:0in; margin-top:0in}
-->
</style>
</head>

<body bgcolor="#FFFFFF">

<p align="center"><img border="0" src="hronthejob.jpg" width="504" height="54"></p>
<h2 class="MsoNormal" align="center" style="text-align:center"><b><font face="Verdana, Arial, Helvetica, sans-serif">EMPLOYEES 
  WORKING AT HOME</font></b></h2>
<h3 class="MsoNormal" align="center" style="text-align:center"><b>Is It Right 
  For Your Company?</b></h3>
<p class="MsoNormal" align="center" style="text-align:center"><b>&nbsp;</b>&nbsp;</p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Employees 
  working at home, doing your company�s work, unsupervised, uncontrolled in their 
  own home.&nbsp; Scary thoughts immediately come to mind.&nbsp; Not the least 
  of which is how and when am I going to find the time to explore this and create 
  such a system?</font> </p>
<ol style="margin-top: 0in; margin-bottom: 0in" start="1" type="1">
  <li class="MsoNormal">
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Most of the 
      scary stuff is groundless</font></p>
  </li>
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The hidden 
      advantages alone should drive you to examine the possibilities.</font></p>
  </li>
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The biggest 
      problem you have doesn�t have to be your problem at all.</font></p>
  </li>
</ol>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>1.&nbsp; 
  Most of the scary stuff is groundless:</b></font></p>
<p class="MsoNormal" style="margin-left:.5in"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Most 
  of our worries are based on the loss of management control, the need to micromanage, 
  the distrust of employees on their own at home.&nbsp; Working at home is absenteeism!&nbsp; 
  Not production! Workers at home could actually take a nap!&nbsp; And you wouldn�t 
  know it!</font></p>
<ul style="margin-top: 0in; margin-bottom: 0in" type="disc">
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">&nbsp;</font></p>
  </li>
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Too often 
      we view management as the little things, the appraisal of the incidental 
      but not necessary stuff.&nbsp; That is, we use tardiness, busy-ness, speed, 
      appearance, personality, number of bathroom visits, length of lunch hour, 
      attitude, and a lot of other incidental things as performance indicators.&nbsp; 
      We often miss the key issues, <u>what</u> did they produce?&nbsp; <u>How 
      much</u> did they produce?&nbsp; How <u>good</u> was it? What does the company 
      really need and value? Does this employee provide any of that?</font></p>
  </li>
</ul>
<p class="MsoNormal" style="text-indent:.25in"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
  solutions, of course, are:</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-family: Symbol">�<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
  </span></span>Know what you want</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-family: Symbol">�<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
  </span></span>How much you are getting</font></p>
<p class="MsoNormal" style="text-indent: -.25in; margin-left: .75in"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><span style="font-family: Symbol">�<span style="font:7.0pt &quot;Times New Roman&quot;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
  </span></span>Just how good it is</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Then, 
  with that knowledge, you need to measure the outcome and evaluate the performance.&nbsp; 
  Can you get what you want and need whether the employee does it at your place 
  or theirs?</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>2.&nbsp; 
  The hidden advantages:</b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">If 
  you could get the same amount of work from people but at the same time:</font></p>
<ul style="margin-top: 0in; margin-bottom: 0in" type="disc">
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Reduce the 
      amount of work space, the square foot floor space you have to provide</font></p>
  </li>
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Reduce the 
      amount of heat, air conditioning, utilities, bathroom space, parking space, 
      liability insurance, cleaning costs, security control, supervision, safety 
      protection, desk space, furniture, phones, tardiness, employee personality 
      conflicts, various employee accommodations, etc., etc.</font></p>
  </li>
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Reduce traffic 
      flow, highway congestion, police protection, smog, highway death toll, taxes!</font></p>
  </li>
  <li class="MsoNormal"> 
    <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">To have an 
      employee that now focuses on the expected, measured output of their work, 
      everyday instead of just showing up, staying busy, getting through the day.</font></p>
  </li>
</ul>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>3.&nbsp; 
  The biggest problem you have doesn�t have to be your problem at all.</b></font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
  biggest problem here is determining which job(s) can and will be done at home.&nbsp; 
  The second is how do you design it and monitor it and plug up the obvious gaps.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
  answer is, you don�t.&nbsp; If employees come to you wanting or demanding that 
  you accommodate <u>their</u> desire to work from home, your response should 
  be to make it <u>their</u> quest, not yours.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Tell 
  the employee that if they can design a system that satisfies all the concerns, 
  issues and problems and can convince you, you will consider it.</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Don�t 
  let employees wear you down and out by them managing you.&nbsp; By having you 
  become responsible for their success and/or happiness.&nbsp; As with most employee 
  and job problems, you don�t need to have all the answers.&nbsp; You act as a 
  good leader and say, �What do you think?�&nbsp; �What do you suggest?�&nbsp; 
  �How would you solve that?�&nbsp; �Where can you find the answer?�&nbsp; �You 
  convince me!�</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">They 
  may surprise you and do just that.</font></p>
<p class="MsoNormal">&nbsp;</p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Bill 
  Cook</font></p>
<p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i style="mso-bidi-font-style:normal">Human 
  Resource Associates</i></font></p>
<p class="MsoNormal">&nbsp;</p>
<hr>
<p class="MsoNormal">&nbsp;</p>
<table border="0" width="76%" height="376">
  <tr> 
    <td width="100%" height="370"> 
      <p align="left"><b><u><font size="4"
      face="Verdana, Arial, Helvetica, sans-serif">Hitchhiking on the Information 
        Highway</font></u></b></p>
      <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"><b><font
      size="4" color="#FF0000">Dateline: June 2002</font></b></font></p>
      <p class="MsoNormal"><i><font face="Verdana, Arial, Helvetica, sans-serif"
      size="-1">Note. Although we attempt to provide the HRU update on the first 
        of each month, we are normally delayed awaiting the release of several 
        monthly government statistical reports. We will hereafter update the information 
        as each report becomes available without waiting for all of them to be 
        released.</font></i></p>
      <h3><font face="Verdana, Arial, Helvetica, sans-serif">Disability Laws Beginning 
        To Make Sense</font></h3>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Back 
        in the early 1970s, the Heavy Equipment operators refused to hire two 
        women of child bearing age on certain equipment types as the intense vibrations 
        could cause reproductive organ damages.&nbsp; They were accused of �Paternalism�. 
        The courts ruled that it was the employee�s decision to take the risk, 
        not the employer and they were required to change their hiring practices.&nbsp; 
        Several years later the Operators were successfully sued when a group 
        of women sued for damage to reproductive organs as a result of operating 
        that equipment.&nbsp; </font></p>
      <p class="MsoNormal"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Recent 
        court cases ending at the U.S. Supreme Court have reversed that situation 
        by ruling that an employer could refuse to hire someone when a specific 
        risk to the individual could be documented. The Court said that an employee 
        could not be allowed to take an unreasonable risk to themselves in order 
        to get the job they wanted. &nbsp;They stated that they �want employers 
        to care about their employees�&nbsp; not to&nbsp; �take a position that�s 
        completely barbarous� by allowing employees to risk harm, health and death 
        for a job.&nbsp; This decision overruled a lower California court, which 
        had earlier ruled that an employer could not refuse to allow an employee 
        to risk their life unless they could establish a risk to <i>other</i> 
        employees.</font></p>
      <h3 class="MsoNormal">Your Work Week</h3>
      <div style="border:none;border-bottom:solid windowtext 1.5pt;padding:0in 0in 1.0pt 0in">
        <p class="MsoNormal" style="border: medium none; padding: 0in"><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">The 
          average U.S. workweek (as scheduled) is holding at 34.2 hours per week. 
          This combines part time, temporary and full time work but not absenteeism.</font>
      </div>
      <hr width="75%">
      <table border="0" width="42%">
        <tr> 
          <td width="73%"> 
            <p align="left"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif"><b>Minimum Wage:</b></font></p>
          </td>
          <center>
            <td width="91%"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">$5.15/hr.</font></td>
          </center>
        </tr>
      </table>
      <table border="0" width="90%">
        <tr> 
          <td width="13%" valign="middle"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Average 
          Hourly 
            Income:</b></font></td>
          <td width="55%"> 
            <table border="0" width="106%">
              <tr> 
                <td width="100%"> 
                  <p align="center"><b><font
                  face="Verdana, Arial, Helvetica, sans-serif" size="-1">Hourly</font></b>
                </td>
              </tr>
              <tr> 
                <td width="100%"> 
                  <table border="0" width="514">
                    <tr> 
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>June</b></u><br>
                          $14.29</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>July</u></b><br>
                          $14.34</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>August</b></u><br>
                          $14.38</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font face="Verdana"><b><u><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1">September</font></u></b><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                          $14.41</font></font>
                      </td>
                      <td width="64"><b><u><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif">October</font></u></b><font
                        size="-1" face="Verdana, Arial, Helvetica, sans-serif"><br>
                        $14.47</font></td>
                      <td width="64"><u><b><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1">November</font></b></u><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                          $14.54</font> </td>
                      <td width="64"> 
                        <p align="center">
                      </td>
                    </tr>
                    <tr> 
                      <td width="64"> 
                        <p align="center"><b><u><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1">December</font></u></b><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                          $14.61</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><u><b><font color="#000000"
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1">January</font></b></u><font
                        face="Verdana, Arial, Helvetica, sans-serif" size="-1"><br>
                          $14.59</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>Feb.</u></b><br>
                          $14.61</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>Mar.</u></b><br>
                          $14.67</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><b><u>Apr.</u></b><br>
                          $14.69</font>
                      </td>
                      <td width="64"> 
                        <p align="center"><font size="-1"
                        face="Verdana, Arial, Helvetica, sans-serif"><u><b>May</b></u><br>
                          $14.70</font>
                      </td>
                      <td width="64"></td>
                    </tr>
                  </table>
                </td>
              </tr>
            </table>
          </td>
          <td width="32%"> 
            <table border="0" width="101%" height="78">
              <tr> 
                <td width="100%" height="40"> 
                  <p align="center"><font size="-1"
                  face="Verdana, Arial, Helvetica, sans-serif"><b><u>Family of<br>
                    Four</u></b></font>
                </td>
              </tr>
              <tr> 
                <td width="100%" height="30"> 
                  <p align="center"><font size="-1"
                  face="Verdana, Arial, Helvetica, sans-serif">$59,900 (annual)</font>
                </td>
              </tr>
            </table>
          </td>
        </tr>
        <tr> 
          <td width="13%" bgcolor="#C0C0C0"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Poverty 
            Level:</b></font></td>
          <td width="55%" bgcolor="#C0C0C0">&nbsp;</td>
          <td width="32%" bgcolor="#C0C0C0"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">$17,650 (annual)</font>
          </td>
        </tr>
      </table>
      <table border="0" width="90%">
        <tr> 
          <td width="100%"> 
            <p><b><u><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Benefit Costs as a Percentage of Payroll</font></u></b></p>
          </td>
        </tr>
      </table>
      <table border="0" width="90%" height="275">
        <tr> 
          <td width="53%" height="25"> 
            <p>&nbsp;</p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1997</u></b></font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2001</u></b></font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Statutory 
              Benefits</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.55%</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.39%</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7.93%</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.15%</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.3%</font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Health 
              Care Benefits</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.58</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.43</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.11</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7.47</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7.47</font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Pension 
              Plans</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.66</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.31</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.84</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.06</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.06</font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Capital 
              Accumulation Plans</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.71</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.53</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.88</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.62</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.62</font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Death 
              Benefits</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.55</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.49</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.46</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.37</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.37</font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Disability 
              Benefits</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.48</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.48</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.47</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.47</font></p>
          </td>
          <td width="12%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.47</font></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Other 
              Benefits</font></p>
          </td>
          <td width="11%" height="25"> 
            <p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.02</font></u></p>
          </td>
          <td width="12%" height="25"> 
            <p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.16</font></u></p>
          </td>
          <td width="12%" height="25"> 
            <p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.87</font></u></p>
          </td>
          <td width="12%" height="25"> 
            <p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.91</font></u></p>
          </td>
          <td width="12%" height="25"> 
            <p><u><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">0.91</font></u></p>
          </td>
        </tr>
        <tr> 
          <td width="53%" height="25"> 
            <p align="center"><b><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">Total Benefits</font></b></p>
          </td>
          <td width="11%" height="25"> 
            <p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">24.83%</font></b></p>
          </td>
          <td width="12%" height="25"> 
            <p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">23.40%</font></b></p>
          </td>
          <td width="12%" height="25"> 
            <p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">22.83%</font></b></p>
          </td>
          <td width="12%" height="25"></td>
          <td width="12%" height="25"> 
            <p><b><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">27.10%</font></b></p>
          </td>
        </tr>
      </table>
      <table border="0" width="90%">
        <tr> 
          <td width="100%"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">Predicted 
              increases in benefit costs (adjusted since 9/11/2001 terrorist attacks):</font></p>
            <table border="0" width="99%">
              <tr> 
                <td width="61%" valign="top"> 
                  <blockquote> 
                    <p><font face="Verdana, Arial, Helvetica, sans-serif"
                    size="-1">Overall health &amp; accident policy benefits</font></p>
                  </blockquote>
                </td>
                <td width="39%" valign="top"><font
                  face="Verdana, Arial, Helvetica, sans-serif" size="-1">15% increase</font></td>
              </tr>
              <tr> 
                <td width="61%" valign="top"> 
                  <blockquote> 
                    <p><font face="Verdana, Arial, Helvetica, sans-serif"
                    size="-1">Workers Compensation</font></p>
                  </blockquote>
                </td>
                <td width="39%" valign="top"><font
                  face="Verdana, Arial, Helvetica, sans-serif" size="-1">30% increase 
                  nationwide</font></td>
              </tr>
              <tr> 
                <td width="61%" valign="top"> 
                  <blockquote> 
                    <p><font face="Verdana, Arial, Helvetica, sans-serif"
                    size="-1">Health</font></p>
                  </blockquote>
                </td>
                <td width="39%" valign="top"><font
                  face="Verdana, Arial, Helvetica, sans-serif" size="-1">20% increase 
                  on average but 25-30% for small companies</font></td>
              </tr>
            </table>
          </td>
        </tr>
      </table>
      <table border="0" width="100%" bgcolor="#C0C0C0">
        <tr> 
          <td width="25%" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>Gas Prices:<br>
            </b><i>Regular</i></font></td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b><u>National Avg.<br>
              July 15</u></b><br>
              $1.43/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b><u>National Avg.<br>
              August 15</u></b><br>
              $1.39/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>September 15</u></b><br>
              $1.53/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>October 15</u></b><br>
              $1.29/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>November 15</u></b><br>
              $1.18/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>December 15</u></b><br>
              $1.09/gal.</font>
          </td>
          <td width="13%" valign="top">&nbsp;</td>
          <td width="36%">&nbsp;</td>
        </tr>
        <tr> 
          <td width="25%" valign="top">&nbsp;</td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>January 15</u></b><br>
              $1.11/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>February 15</u></b><br>
              $1.08/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>National Avg.<br>
              <u>March 15</u></b><br>
              $1.24/gal.</font>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>April 15</u></b><br>
              $1.42/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>May 15</u></b><br>
              $1.42/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <div align="center"> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b>National 
              Avg.<br>
              <u>June 1</u></b><br>
              $1.39/gal.</font> </div>
          </td>
          <td width="13%" valign="top"> 
            <p align="center">&nbsp;
          </td>
          <td width="36%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>High (CA) $1.89<br>
              Low (OH) $1.39</b></font>
          </td>
        </tr>
      </table>
      <b> 
      <table border="0" width="79%">
        <tr> 
          <td width="50%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>IRS Mileage Allowance <i>(1-01-02)</i>:</b></font></p>
          </td>
          <center>
            <td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">36.5 cents per mile</font></td>
          </center>
        </tr>
      </table>
      <table border="0" width="54%" bgcolor="#C0C0C0">
        <tr> 
          <td width="32%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Postage:</b></font></p>
          </td>
          <center>
            <td width="68%">&nbsp;</td>
          </center>
        </tr>
        <tr> 
          <td width="32%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">1 oz.</font></td>
          <td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">.34</font></td>
        </tr>
        <tr> 
          <td width="32%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Each additional ounce</font></td>
          <td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">.23</font></td>
        </tr>
        <tr>
          <td width="32%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><i>Postcards</i></font></td>
          <td width="68%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">.21</font></td>
        </tr>
        <tr> 
          <td width="32%">&nbsp;</td>
          <td width="68%"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>Note: 
              Postal rate increase effective June 30th 2002</i> <b>1 oz.= .37</b></font></p>
          </td>
        </tr>
      </table>
      <table border="0" width="38%">
        <tr> 
          <td width="100%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Where your federal tax dollar went in 2001:</b></font></td>
        </tr>
      </table>
      <table border="0" width="38%">
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Social Security</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">23%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Discretionary</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">19%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Defense</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">16%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Medicare (over 65 years of age)</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">13%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Other</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">11%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Interest on National Debt</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">11%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Medicaid</font></td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">7%</font>
          </td>
        </tr>
        <tr> 
          <td width="67%">&nbsp;</td>
          <td width="33%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>100%</b></font>
          </td>
        </tr>
      </table>
      <table border="0" width="34%" bgcolor="#C0C0C0">
        <tr> 
          <td width="100%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Where Uncle Sam got his money in 2001:</b></font></td>
        </tr>
      </table>
      <table border="0" width="34%" bgcolor="#C0C0C0">
        <tr> 
          <td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Individual income tax</font></td>
          <td width="39%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">50%</font>
          </td>
        </tr>
        <tr> 
          <td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Payroll taxes</font></td>
          <td width="39%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">32%</font>
          </td>
        </tr>
        <tr> 
          <td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Corporate taxes</font></td>
          <td width="39%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">10%</font>
          </td>
        </tr>
        <tr> 
          <td width="61%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Other</font></td>
          <td width="39%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">8%</font>
          </td>
        </tr>
        <tr> 
          <td width="61%">&nbsp;</td>
          <td width="39%"> 
            <p align="right"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>100%</b></font>
          </td>
        </tr>
      </table>
      <table border="0" width="37%">
        <tr> 
          <td width="63%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b><u>Population:</u></b></font></p>
          </td>
          <center>
            <td width="37%">&nbsp;</td>
          </center>
        </tr>
        <tr> 
          <td width="63%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>World</b></font></td>
          <td width="37%"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">6 billion</font>
          </td>
        </tr>
        <tr>
          <td width="63%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>U.S.</b></font></td>
          <td width="37%"> 
            <p align="center"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">282 million</font>
          </td>
        </tr>
      </table>
      </b> 
      <table border="1" width="90%" bgcolor="#C0C0C0">
        <tr> <b> 
          <td width="48%"> 
            <p align="left"><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">U.S. 
              Workforce</font></b></p>
          </td>
          </b> 
          <center>
            <b> 
            <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>June 
              2001</u></b></font></td>
            <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>July 
              2001</b></u></font></td>
            <td width="10%" align="center"><b><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u>August 2001</u></font></b></td>
            <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>September 
              2001</u></b></font></td>
            <td width="10%" align="center"> 
              <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>October 
                2001</u></b></font></p>
            </td>
            <td width="10%" align="center"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif"><b><u>November 2001</u></b></font></td>
            </b> 
          </center>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">U.S. Civilian Workforce</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">141.354,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,774,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,350,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,190,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,290,000</font></p>
          </td>
          <td width="10%" align="right"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">142,279,000</font></td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Number Unemployed</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,422,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,395,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">6,957,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,009,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,741,000</font></p>
          </td>
          <td width="10%" align="right"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">8,160,000</font></td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Unemployment Rate</font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.5%</font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.5%</font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.9%</font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">4.9%</font></td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.4%</font></p>
          </td>
          <td width="10%" align="center"><font size="-1"
            face="Verdana, Arial, Helvetica, sans-serif">5.7%</font></td>
        </tr>
        <tr> 
          <td width="48%">&nbsp;</td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>December 
              2001</u></b></font></p>
          </td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>January 
            2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>February 
            2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>March 
            2002</b></u></font></td>
          <td width="10%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b>April 
            2002</b></u></font></td>
          <td width="10%" align="center"><u><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1">May</font></b></u><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><u><b> 2002</b></u></font></td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">U.S. Civilian Workforce</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,314,000</font></p>
          </td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">141,390,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,211,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,005,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,570,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">142,800,000</font></p>
          </td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Number Unemployed</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,300,000</font></p>
          </td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,900.000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">7,892,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,111,000</font></td>
          <td width="10%" align="right"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,594,000</font></td>
          <td width="10%" align="right"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">8,351,000</font></p>
          </td>
        </tr>
        <tr> 
          <td width="48%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">Unemployment Rate</font></td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.8%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.8%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.5%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.7%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">6.0%</font></p>
          </td>
          <td width="10%" align="center"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">5.8%</font></p>
          </td>
        </tr>
      </table>
      <table border="0" width="77%" bgcolor="#C0C0C0">
        <tr> 
          <td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Average Cost of replacing one Federal Government employee:</b></font></td>
          <td width="50%"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1">$36,000</font></td>
        </tr>
      </table>
      <table border="0" width="85%">
        <tr> 
          <td width="15%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Productivity Rates </b></font></p>
          </td>
          <center>
            <td width="14%" align="center" bgcolor="#0000FF"><u><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF"> 
              2000</font></b></u></td>
            <td width="14%" align="center" bgcolor="#0000FF"><u><b> <font face="Verdana, Arial, Helvetica, sans-serif" size="-1" color="#FFFFFF"> 
              2001</font></b></u></td>
            <td width="14%" align="center"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1st Qtr.<br>
              2002</u></b></font></td>
          </center>
        </tr>
        <tr> 
          <td width="15%">
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1"><i>OUTPUT 
              PER HOUR</i></font></p>
          </td>
          <td width="14%" align="center" bgcolor="#0000FF"> 
            <p><font color="#FFFFFF"
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.3%</font></p>
          </td>
          <td width="14%" align="center" bgcolor="#0000FF"> 
            <p><font color="#FFFFFF"
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.9%</font></p>
          </td>
          <td width="14%" align="center"> 
            <p><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">8.4%</font></p>
          </td>
        </tr>
      </table>
      <table border="0" width="72%" bgcolor="#C0C0C0">
        <tr> 
          <td width="25%"> 
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><b>Absentee Rates (annualized)</b></font></p>
          </td>
          <center>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1997</u></b></font></td>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1998</u></b></font></td>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>1999</u></b></font></td>
            <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2000</u></b></font></td>
            <td width="16%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1"><b><u>2001</u></b></font></td>
          </center>
        </tr>
        <tr> 
          <td width="25%">&nbsp;</td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.5%</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.6%</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.7%</font></td>
          <td width="15%" align="center" valign="top"><font
            face="Verdana, Arial, Helvetica, sans-serif" size="-1">1.7%</font></td>
          <td width="16%" align="center" valign="top"> 
            <p><font face="Verdana, Arial, Helvetica, sans-serif" size="-1">3.6%</font></p>
            <p align="left"><font face="Verdana, Arial, Helvetica, sans-serif"
            size="-1"><i>men=2.6%,<br>
              women=4.8%</i></font></p>
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>

</body>

</html>

Anon7 - 2021