Disclaimer: This material is for your private information.
We are not soliciting any action based upon it. Opinions
expressed are present opinions only. The material is based
upon information considered reliable, but we do not represent
that is accurate or complete, and it should not be relied
upon as such. We, or persons involved in the preparation
or issuance of this material may, from time to time, have
long or short positions in, and buy or sell the securities
or options of companies mentioned herein.