INVESTING FOR YOUR RETIREMENT:

 ----------
 
 If you had purchased $1000.00 of Nortel stock one year ago, it would now be worth

 $49.00.
-O-O-O-O-O-O-O-O-O
 

With Enron,

you would have had

 $16.50

 left of the original $1,000.00.

-O-O-O-O-O-O-O-O-O-O

 

With WorldCom,

 you would have had less than

 $5.00 left.

-0-0-0-0-0-0-0-0-0-0-0-


 But, if you had purchased $1,000.00

 

worth of Beer one year ago,
 

drank all the beer,

 then turned in the cans for the aluminum recycling REFUND,
you would have had

 $214.00.

-0-0-0-0-0-0-0-0-0-0-0

 Based on the above,

  

current investment advice is to



 

drink heavily and
 recycle.

 

 It's called the 401-Keg Plan