MSN Money - It pays to avoid a ticket -- or fight one =

From: Subject: MSN Money - It pays to avoid a ticket -- or fight one - Insure your car Date: Wed, 17 Dec 2003 13:13:21 -0500 MIME-Version: 1.0 Content-Type: multipart/related; boundary="----=_NextPart_000_0000_01C3C49F.8BBBA300"; type="text/html" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2800.1165 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable Content-Location: http://moneycentral.msn.com/content/Insurance/Insureyourcar/P51288.asp MSN Money - It pays to avoid a ticket -- or fight one = - Insure your car

= =20 =

Web Search:

Money



Home \|	Investing \|	Banking	Planning	Taxes \|	Money Plus	Help


	Planning Home	Retirement	Savings	Insurance	Family/College

Insurance Quotes=20

Planner=20

Resources=20

Related = Links

Message Boards

Retirement = Planner

Print-friendly=20 version
Send=20 this to a friend

Car=20 insurance quotes = online

MSN=20 Auto's reliability ratings

Insure.com:=20 Costly states for car = insurance

Insure.com's=20 crash-test ratings

Find It!

Article=20 Index
F= inance=20 Q&A
Tools=20 Index
Site=20 map

<= /TD>

Related = Sites

Na= tional=20 Motorists Association

<= /TR>

The Basics

It pays to avoid a = ticket -- or=20 fight one

advertisement
3D"Click

The = best advice is=20 simply not to speed, at least not brazenly. But if you = get=20 nailed, fight it -- because a $50 ticket can cost you=20 thousands once your insurer gets wind of=20 it.

By = Chris=20 Solomon

Now is = a very=20 bad time to have a lead foot.

States facing = yawning=20 budget gaps are finding new money by pinching speeders = more=20 frequently -- and pinching them harder, too. Texas = lawmakers=20 recently added $30 to fines for speeding tickets. = California=20 has added a surcharge of between $7 and $20, depending = on the=20 severity of the violation. And the Illinois = Legislature is set=20 to tag an additional $4 to the cost of a minor = speeding=20 ticket.

True, four more bucks won=92t change = your life,=20 but the fine is usually the least of your worries. = Even one=20 speeding ticket can begin to turn your name to mud in = your=20 insurer=92s eyes. More than one can cost you = thousands of=20 dollars in higher premiums.

Insurance = companies say=20 punishing speeders is well warranted: In one study, = California=20 drivers with one speeding citation in a three-year = period had=20 a crash rate 50% higher, on average, than those with = no=20 infractions -- and the crash rate more than doubled = for those=20 who had two or more tickets, according to the = Insurance=20 Institute for Highway Safety and the Highway Loss Data = Institute, industry-sponsored research groups. =

A=20 ticket from Johnny Law does seem to slow people down, = at least=20 for a bit. A study of Ontario traffic statistics, = published in=20 the British medical journal the Lancet, found that a=20 conviction for a moving violation cut the risk of a = fatal=20 crash in the following month by 35%. The benefit = evaporated by=20 four months after the conviction. Assigning penalty = points to=20 a driver=92s license -- especially for speeding = tickets --=20 reduced the risk of fatal crashes more than = convictions=20 without penalty points.

Get Online Insurance=20 Quotes
=95 Auto =95= Health
=95 Home =95 = ;Life &nb= sp;

MSN=20 Money=20 = Insurance

Keeping your nose = clean
Still, as=20 long as running late is an American pastime, people = will=20 speed. And there are ways to protect yourself and your = premiums. First, reduce your likelihood of getting = snagged by=20 the speed gun in these ways:

Know thyself. Spend $5 to request your = driving=20 record from your state=92s Department of Motor = Vehicles. Is it=20 accurate? Could you face a suspension hearing if you = get=20 convicted for one more violation? Then call your = insurer.=20 Find out what a slip-up would mean to your rates. =
Penny-wise =3D pound foolish. Police will = frequently key on an auto that has problems such as = broken=20 headlights, taped-over taillights or a missing front = license=20 plate. Spend $3 to replace a burned-out license = plate bulb=20 and you may save hundreds of dollars later, says = Matisyahu=20 Wolfberg, a policeman-turned-traffic defense = attorney in New=20 York.
Stay incognito, Part I. Driving an = arrest-me red=20 sports car doesn=92t guarantee you=92ll get pulled = over, but it=20 doesn=92t help avoid police, say defense attorneys. = Ditto --=20 albeit to a lesser degree -- any expensive car. = Consider a=20 Camry over a Corvette and you may save money in more = than=20 the showroom.
Stay incognito, Part II. Ignore the = general pace=20 of traffic at your own peril. =93You=92re a pack = animal; don=92t=20 stick out of the pack,=94 says Casey Raskob, a=20 Croton-on-Hudson, N.Y., attorney who focuses on=20 traffic-related cases. Passing police cars is = verboten.=20 Stay in the right lane when possible.
Keep your eyes peeled. Scan your = rear-view mirror=20 often while driving. Look for possible spots far = ahead where=20 a patrol car could hide. Also, watch how = professional=20 truckers drive, and slow down when they do; = they=92ve got far=20 more experience detecting Smokey.
Don=92t be sticker shocked. Pasting a = Police=20 Benevolent Association sticker to the rear window = isn=92t a=20 license to speed. That jig is long up, says Raskob.=20 Wisecracking bumper stickers -- =93Bad Cop; No = Donut=94 -- won=92t=20 endear you to The Man, either.

The traffic stop and its=20 aftermath
You get pulled over anyway. Now = what do=20 you do?

Be polite. =93Most of the time, the = motorist has very=20 little chance. The officer has already has made up his = mind,=94=20 says Wolfberg, the former cop. =93The only real chance = the=20 driver has is to be nice.=94 Act peeved and a trooper = may give=20 you the full fine. Some will also flag the citation = with a=20 notation, like =93ND=94 -- a note to a prosecutor or = to himself=20 (in some states, law-enforcement officers act as = prosecutors=20 in traffic court) to give a loudmouth =93no deal=94 in = court.=20

Don=92t admit guilt. =93The absolutely = fatal question=20 is, =91Do you know why I stopped you?=92=94 says = attorney Mark=20 Sutherland, co-author of the book =93Traffic Ticket = Defense.=94=20 Authorities can use any admission of guilt against you = when=20 you contest the ticket (see below). For other things = to=20 consider during a traffic stop, see hints on the Web = site of=20 the National Motorists Association, a drivers=92 = rights group=20 (see the link at left under Related Sites).

Once home, don=92t immediately pay the = ticket. Simply=20 paying the fine, an admission of guilt, could cost you = dearly=20 in insurance rates. Doubt it? Let=92s say you=92re an = experienced=20 driver in California with a single-car policy and a = good=20 driving record, who is paying the average rates = statewide for=20 liability, collision and comprehensive coverage, $765=20 annually. If you were a Prudential Financial customer = you=92d=20 get a 25% good-driver discount and pay only $574. One = speeding=20 ticket would mean a roughly 27% increase from the base = premium, says Prudential=92s Laurita Warner -- a $207 = annual=20 increase, or $621 more over three years. (Surcharges = usually=20 last for three years.)

Get a second minor = conviction=20 and your premium would rise an additional 40%, and = you=92d also=20 lose your good-driver discount, says Warner. Suddenly, = a=20 premium that was $574 has ballooned to $1,071. After = the third=20 conviction, expect to pay roughly 63% more than you = originally=20 did, or $1,247. Over three years you would end up = paying=20 $2,020 more than if you=92d kept your nose clean, or = much more=20 than the fines themselves. Clearly, getting pinched = leaves a=20 painful scar.

The pain can be even worse if = you=92re a=20 teenager or young adult. =93Getting even one speeding = ticket,=20 much less two, can cause a dramatic spike in your = insurance=20 rates -- sometimes doubling and even tripling those = rates --=20 and jeopardize your ability to get preferred insurance = rates,=94=20 says Karl Newman, president of the Washington = Insurance=20 Council, a consumer education group funded by member = insurance=20 companies in Washington State. =93That could require = you to=20 purchase high-risk insurance.=94

Luckily, = you=92ve got=20 several initial options once busted:

Ignoring the ticket isn=92t one of them. = =93It used=20 to be if you obtained a ticket in New York, it = didn=92t get=20 back to New Jersey,=94 but that=92s no longer true, = says Raskob.=20 Avoid a ticket and a warrant may be issued for your = arrest=20 -- a warrant that appears even on the computer = system of=20 your hometown cops.
Special state programs. Talk to your = state=92s DMV=20 or local traffic court to find out about ways to = erase your=20 ticket. In Rhode Island, for example, if you = haven=92t had any=20 vehicle-related violations in three years and then = receive a=20 minor one (for example, for exceeding the speed = limit by=20 less than 20 miles an hour), you can ask that the = ticket be=20 dismissed. It usually is. In some southern states,=20 authorities will agree to defer judgment, if you = don=92t get=20 any more tickets for the next six months.
Traffic school. Often your best = alternative is to=20 take a six- to eight-hour safety course for drivers. = Policies vary by state, but often a minor speeding=20 conviction can be wiped from your record and = therefore go=20 unseen by your employer or insurance company. = You=92ll still=20 have to pay the fine, plus an additional $50 to $80 = in=20 tuition and other costs, and invest a Saturday. Some = states=20 such as California let drivers take the course = online.=20 Traffic school has its limits, however. In some = states, it=92s=20 an option only once every 18 or 24 months. In = others, those=20 caught exceeding the speed limit by more than 15 to = 20 mph=20 may not be eligible, says David Brown, author of the = book=20 =93Beat Your Ticket.=94

Should you go to court? =
If the=20 above options aren=92t available, go to court. Court = doesn=92t=20 have to be a Perry Mason experience. Simply asking for = your=20 day in traffic court can save you money. Count the = ways:=20

Showing up is half the battle. Only about = 3% of all=20 tickets are contested, estimates Brown, which means = even a few=20 people showing up to challenge a ticket can jam the = system. =93A=20 lot of times the courts will change the ticket for = you, to=20 encourage you not to go to court=94 -- sometimes = reducing a=20 moving violation to a lesser charge that your = insurance=20 company won=92t penalize you for, says Eric Skrum, = spokesman for=20 the National Motorists Association.

Cop no-shows. If you show up on your = assigned date,=20 defense attorneys say that in 20% to 25% of cases the=20 ticket-writing officer won't. If the officer is = required to=20 show up (jurisdictions have different rules), no = appearance=20 usually means the ticket is thrown out. No-shows by = police=20 happen even more in summer, when even they take=20 vacations.

Errors matter (sometimes). While courts = will often=20 excuse minor errors on a ticket -- a misspelled name, = a=20 quibble over whether your Jag is ochre or orange -- if = the=20 officer cites the wrong statute on the ticket, or = grossly=20 misidentifies the highway or your make of car, you may = to get=20 your ticket dismissed, says Skrum. It=92s often best = to keep mum=20 about the gaffe until you go to court, however, and = reveal the=20 mistake after the officer has recounted the wrong = information.=20

An 'A' for effort. If you do get all the = way to a=20 magistrate or traffic commissioner, any reasonable = objection=20 you have to the ticket is likely to at least reduce = the amount=20 of the fine, and perhaps change it to an infraction = that won=92t=20 hurt your rates. =93You=92ve got to fight every = ticket, because=20 the only thing anyone will ever know is what you = reduced it=20 to. The accusation will be lost in the courthouse,=94 = says=20 Raskob.

The above, =93soft=94 approach often = works, but=20 some people prefer to aggressively contest the ticket, = which=20 they usually do with at least some success. When = Michael=20 Pelletier, a 32-year-old computer systems engineer in = the Bay=20 Area, got a ticket a few years ago, he rented the = nine-pound=20 (!) legal defense kit from the National Motorists = Association.=20 (The rental cost of the packet, which is tailored to = the=20 requester=92s state, is $50 per month, with a discount = for NMA=20 members.)

=93The only thing I did was crank = the legal=20 crank,=94 says Pelletier. That meant asking for = continuances and=20 requesting records -- proof of when the officer=92s = radar gun=20 was last calibrated and when the officer was trained = in its=20 use -- in hopes of finding a flaw in the = authorities=92 case, or=20 simply wearing them down until they offered a deal.=20

A pre-emptive=20 strike
Battling in court can be = time-consuming and=20 complicated. Pelletier estimates he invested nearly 50 = hours=20 in the year 2000 to fight his ticket, which he = received=20 driving his motorcycle 47 miles an hour in a 25 mph = zone. He=20 got it dismissed seven months later based on an = esoteric legal=20 definition of a =93local street or road.=94

In = Pelletier=92s=20 eyes, the struggles are worthwhile despite the time=20 commitment. He has also helped his wife and brother = keep three=20 citations from their records, and his insurance = company=20 recently upgraded him to a =93superior=94 driver, = which means he=20 will pay $70 less in the next six months than he had = been=20 paying. And by keeping his driving record clean he=92s = ensured=20 that his next ticket -- if it sticks -- won=92t hurt = him so much=20 as it might have.

If you don=92t have the time = to do all=20 of this research, consider hiring an attorney who = frequently=20 deals with speeding tickets. Such an attorney will = know how to=20 get the best deal for you and can often appear in = court for=20 you, so you don=92t have to take a day off to do so. = Fees can=20 vary from $75 to $750, in part depending on whether = they=92re=20 already frequently in the courthouse dealing with such = matters.

The free piece of advice they give, = however,=20 is the same: Confront your speeding ticket, even if = it=92s your=20 first, and do your darnedest to make it disappear. = After all,=20 they add, you never know when you=92ll get your next = one, with=20 higher premiums close = behind.

Rate this article

Would you recommend this article = to a=20 friend?

Not a = Chance

Absolutely

More=20 Resources
=B7	E-mail=20 us your comments on this = article
=B7	Post=20 on the Your Money message = board
=B7	Get=20 a daily dose of market = news
Search MSN = = Money tips

advertisement
3D"Click

MSN=20 Money's editorial goal is to provide a forum for personal = finance=20 and investment ideas. Our articles, columns, message board = posts and=20 other features should not be construed as investment advice, = nor=20 does their appearance imply an endorsement by Microsoft of = any=20 specific security or trading strategy. An investor's best = course of=20 action must be based on individual = circumstances.

Help

------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: application/octet-stream Content-Transfer-Encoding: base64 Content-Location: http://c.msn.com/c.gif?NC=1251&NA=32777&PS=61335&PI=7288&DI=7290&RF= R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAEALAAAAAABAAEAAAIBTAA7 ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/inc/chan/ourcode/signin.gif R0lGODlhQgATANUAAPDv9f7+/oaGjWZlYaansLu6yfHw9eXj69/e6+zr/eLh9Ts7PMPD1Nva7cvK 29PS5ZSVoe3s8vr6+9XT3Pb1+d3c4+7t8/r5/Xx7hdbV6Orp8Pj3++zq8eno7s7N3+fm7d7d8tHP 2ebl+PHv/vLx+MrJ0+no+vb1/vHw89nX3/z7/vX198DAz/Ty/7Ozv/Tz+fPy9uLg58fH2cnH1ufm 8dfX6vclFJg1AwM1ZhyMOPnQMvqXAwBmADc+k9DP4v///yH5BAEAAD8ALAAAAABCABMAAAb/wB9h SCwaj8ikcqkUEiTQqHRKrVqv2OoQAosdPppwZGwpA87otNqwbrvfaRWEW/F+O2KyGc7u8/eAgYES czApdXd4C4uLJI0vkJEwk5R+BowLf3oceXgdhHSIYByPFKYbqKmqp6wrriullZaCnmAHG4WHdpyl FyqLUJgLEsJUwBvFrbKctQgruaK8mCq/w8fA18MB1NXU2VYkabXPXBPR0ozdwAHY2uvb7O7y8Nyp frYVMIUh5udl7d3iCRwIb51BbfUkMRMQo0IKfVxK8NOFIFGji/MO0huo8cSJORBKRCghoKTJAhhQ zOHAQOLEFMJo0HhUTGPBdNlG6BRQgAZD2wEuKvDEMCGEA5UQOhRg0dKBBx8PotZoUFGBVREmssZq wbWrV51gE4jNqgAoAgENSmLAgNLBDAYRVrpY2tTpU6gZ8lIFgQmr36xjAwP+axWEYaAZiGIgcBdD SxZxk86lW1eGXbx6p+41zLmw586bp7Jd7GOt6cUMFveUS5lp5ct3pcrOrLk27dl33VrezcB1gQpz dAgfTry4DhvIkytfbqOH8+fQo/fIQb269es55uzYzr279x03wosfT/4GjvPo06vHwaO9+/fweUD4 MaC+/fv48+vfz78//x9BAAA7 ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://sc.msn.com/global/c/lg/msft_118x35.gif R0lGODlhdgAjAMQAADlZb/iQLvdmIl1wmHeRoNDU11ucwkyqTCNsq7nBxhqTPPY4ET+Duh1+bPvA GtWZRJdqbKqPUoKz02e5TH7GVv////z8/JGSk5qlq7GztPP09ebo6t/i5O3v8Mmxh////yH5BAEA AB8ALAAAAAB2ACMAAAX/4CeOZGmeaKqubLsu8OLOdG3fbazjfO//uuBvSLQhjqygsMhsngCMIxIl qCphzmwWGpUiTFXrVUsuchld6QgSFlxl5XgPADAY0OnvoO0ey/83dXZ4aQMQAYhhSoCMNHR2g2hH dIiJijGNmS0ABBKQaA0IAIaVAZdYmqkpdRKeBg2wAKIPlW2ocRe5uiIXCRwcCRckGQUbBRnCJb0b Gs0aHBkmursixMYYdK2eDQoNdKSWYn8V5OQFHwXl5BbCFxrqFewjFxvw6hbnI+/qHwn2HNkkMOCm QMGoAbXEOJBDAB6HdP/c2avQgde+ievyAbCgroO/iQlGCSxYkA6AhG4C/yyMgwEeR4wX7WH4UO/e hg72ojW8h5HcgFEHSJYc8ICPg6NxAHx02fMlvAwD4HUwOeCihQ0fWtpzCm/mKAokDwwYEOGoWbNJ IZbTQECpvQ5jl5bLsLMcVhGjCmAY+8EtvJAD1Jab2ZeCYQoTJpA9a/ZBUpzqEvQdwLVCtFEytXY8 dgFACQCCK3DAq7lcMjqIEx84UJbxyjIAZIqgDC9Z3XIEbvPUEGwEAA5/8WbgaoHEqAmrgzZ4wDgC Q5ezdWsgDX1jz4x4K0frG3q08eQKDnxTGcCDHAClKeKV4BBvAq4VMV839yFqbbyh8xknqKAv1X6S keEXdn3JVUGAoN2jUftgld1TnG7F4RWTZU8A0I0JBBSQQIBbGLhdgup8yAFX2/mHHgcTDpbeXX3J ViEKG8JW02AS3tdXZYSJsNc3A7z3lFz4jABhMqqgEJuNR5YjT30uXWANRyz2BZw6GIT2IXv3FKmC fUoKCc909aVXAYh2IYPBcPdU1ZV78ESppXHpgQlABu0VyJUGdMwXGZfrnJafCDG+yaY6GgkWZF8z 0seJnhWcA6FvE+qkIYda/mbBpZciWA+mFnyoAacWIDjAiBht4NV7nLIYG6iEBSroKLDyhddPtA7g G60HGTcKBgkU4GsCGBBwa6yeDVuroI2YpCyyzDbr7LPQRqtlCAA7 ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/jpeg Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/inc/images/sf_db.jpg /9j/4AAQSkZJRgABAgAAZABkAAD/7AARRHVja3kAAQAEAAAAUAAA/+4ADkFkb2JlAGTAAAAAAf/b AIQAAgICAgICAgICAgMCAgIDBAMCAgMEBQQEBAQEBQYFBQUFBQUGBgcHCAcHBgkJCgoJCQwMDAwM DAwMDAwMDAwMDAEDAwMFBAUJBgYJDQsJCw0PDg4ODg8PDAwMDAwPDwwMDAwMDA8MDAwMDAwMDAwM DAwMDAwMDAwMDAwMDAwMDAwM/8AAEQgALABxAwERAAIRAQMRAf/EAJkAAQABBQEBAQAAAAAAAAAA AAADAQQFBgcIAgkBAQADAQEBAAAAAAAAAAAAAAACAwQBBQcQAAEDAgMGAwMICwAAAAAAAAEAAgME BhESBTFBUWETB5FSJCHTFHGBwTJigoOEsdEi0kNEVJTUFRYRAQABAwAIBAYDAAAAAAAAAAABEQID ITFRkdESIgRBobHh8HFS0hMUgTKS/9oADAMBAAIRAxEAPwD88V9ofDBAQEBAQEBAQEBAQEBAQEBA QEBAQEBBvNndvbkvaZ3+rpRBp0LgKzWKk9OmiBOB/a2vd9lgJVOXPbj169i/D292TVq2u70fantv b0LRr1bU3FX/AMXGQ0tOD7PY2OI9TbvMnzBZvyZsmrRG/wCNzTOPBj16Z3enFV1u9ngSBbLB+drv 8hTjHn+qd0cEJy4PpjfPFA62u0TtmgFnyVlX9MxUoszbfKEJvwT4ecoHWp2mds0qZnyVc/0vKnEZ UJnDO1CbQ7Un+SqR+ak/WpVy7I8+KNMW2fLgp/x/an+jqv7qRK5dkefFymLbPlweY1arEBAQEBAQ ehrE7OMNPTXJf2NHpb29Wlt7O6OoqG4AtdOW4OiY4HYCHn7IwJxZO5m6eXHv4fFG7F20WxzZN3HZ 6t7uG/Iqami0nQ4o6LT6NghpaaABscbBsa1oVuDs6abtanuO9rot1OS1Wo1dW9z5ZXOLjxXo22RD zLr5uWfUf5j4qVEanUf5j4pQqdR/mPilCp1H+Y+KUKnUf5j4pQq5IsjaICAgILqjoqvUaunoaCml rK2rkEVNSwtL5JHuOAa1oxJJXLrotis6nbbZumka3p6yO2mn2XTtuO9Y4KrWgI5dL0jMHspHDMS6 cYZXyY5SACQ3fidmG/Ldmnls/r6+zfZitwRzX6bvT3WN13nWaxPK1srhGSd+1b8HbRZDzu47qcku fucXElxxJWtjfKAgICAgIMO22tHO11YPxY/dKv8AHDkX5ttv+Z+5dx2poLvrT1jfxI/dKE2Jxfk2 xun7l9HZdsv+tXVrfvxe7UJtlbE3eMxu92QisK0H4Z9Xrm/eh/cUJ59i2KeN3l7sjF24sZxBl1/U A3eAYP05Cq5nLshbbGPxudA0nVrIsWldHbGnQt1B7C2XV5ndaseDjiOqcMgIOBEYaDvBVX6t+Wa3 z/Hgv/bsxRSyI+fj8fJoeuXRV6xK90kpyHYMV6GLDFkPOy57r50tYLwfaXK5RRTM3iEKGZvEIUMz eIQoZm8QhQzN4hChmbxCFDM3iEKKnFBGc+5EtCF3V3Yo7FETvid2KJxyoXfGYb0SjkWzvjOa4lHI iPxvNEuhT1vNHeg9bzQ6D1vNDoPW80Og9bzQ6D1vNDoPW80Og9bzQ6H/2Q== ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/inc/images/cnbcplan.gif R0lGODlhgQAUAMQZAP+aBeYaGf///wKaA5lbR8udmbeKe5BzsuZZaHPEcfy7b0CSgh5Nz1Rt1f1X LXhcr6eTydQkT/Pq593HwGY0mQAzzNbI5HwsEolCK////wAAAAAAAAAAAAAAAAAAAAAAACH5BAEA ABkALAAAAACBABQAAAX/YCaOJEYQ5ImRbOu+cCzPdG2Pl4EEUYFdkAflULjcjsikckkyBJ5PQ4FC pRqSl5Nhazgxv0gTgdtd1XbQAOJQpUJuhIJEQK/bJ74Rwc6fuCZ8KHyDdRITBmYtGAaAhHWHRopd F2hQCBBtQxknkS8Gc46ERZuhAlcsjXWCpaKdGRcFrHwSp3o7DgUFaWoWmRAQDcG1JBepsndZrIki xgKrx3cjGKDQdbUEDmmVTwWYbRAV4RUMKKiEE4kEzXRdrBKuzc+Pep+EItOEiCI51HZmTru2dWvz gIG4cAdYGBDV4kI/OhP2sCpAIl6GQX5S2MuwTsAyERL5nNIVMM2EXlUa/xwM94DFQwHvXIg5oSKk tUHlOAa62CfFOoo261B0QbPov10BHESAIkFClYIrKySUxtBGUAE67cTMqopnNQFDFw76SAPDtieV 6DyNSk7joGEzrr56mNHiV1ojOoZhpGCXUh50hFBQebABrXT54AwC+ZYrHXnQJKzQC0cBgMsAsllS Q4fNg4MMFgwYnaDcVVOK+YwQWwiD3T5F680qRohsDMuYL2tOylkAJsLjRgsfkOAeIQkvCkxYzryA 3Lx9Xkcjlo+1Hbj7mGvHgDs3AAWae9CBcMBg6OHCS4t4CbbFaeeLcbC3A1lARj3nMBzPOSLW2O7e ZZZUIxaodB56pJnmCI0tNPk3iwnx4VdKfYYwN98VHdnXxRgd+QFggA44AIoEDYiGYHqdOHjXCs+R oCJOXt1lBG1fQWSEAQF6pwA1Jp44GlwEzOfIKKSo1kKGzsQIDTo4vOjOMAQoIOWUVO4IUQJYZqll AtiBpFwohhjgSoslzFffIBUWoE9DjAiJB39ghFGUF3HWScOcBNgmQggAOw== ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/inc/images/1x1trans.gif R0lGODlhAQABAIAAAAD/AAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw== ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/jpeg Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/content/CNBCTV/Images/DCiCar_99x119.jpg /9j/4AAQSkZJRgABAgAAZABkAAD/7ABNRHVja3kAAQAEAAAAMgADADgAAAAaAKkAIABCAGkAbABs ACAAQgByAG8AbwBrAHMAIAAvACAATQBhAHMAdABlAHIAZgBpAGwAZQAA/+4ADkFkb2JlAGTAAAAA Af/bAIQACAYGBgYGCAYGCAwIBwgMDgoICAoOEA0NDg0NEBEMDg0NDgwRDxITFBMSDxgYGhoYGCMi IiIjJycnJycnJycnJwEJCAgJCgkLCQkLDgsNCw4RDg4ODhETDQ0ODQ0TGBEPDw8PERgWFxQUFBcW GhoYGBoaISEgISEnJycnJycnJycn/8AAEQgAdwBjAwEiAAIRAQMRAf/EAKUAAAIDAQEBAAAAAAAA AAAAAAAFAwQGBwIBAQACAwEBAQAAAAAAAAAAAAAEBQECAwYABxAAAgEDAwIDBgQEBQUBAAAAAQID ABEEIRIFMRNBUQZhcZEiMhShQlIVgYIjM7HBYkM08LJTBxdEEQACAQIEAgcECQIHAAAAAAABAgMA ESExEgRBUWFxgZEiEwWhMlIU8LHRYiNTJBUG8UPBQoKSVGQW/9oADAMBAAIRAxEAPwBZYmn3C+ku X5pDLDH2oFIUyShlBB8U0+a3srS8X6ZmyOPeLkOLxcKaKyrksz91h13DaXG4edaDiV5eKd4chYk4 5IgYpJZ2nkBGgGm0XPU6V0e49RsrCErqU4kkEf6bZ1y209IuyNuNZVxgFVlIPHXceG1Y7K9E8rx2 +TG+1zowpYvLcMAFu1o3Nj00tc1lczkJ8xCsixAXuNkSIQB0UFFFlHgK6hnYkfKxy42PkR92QMna csgbw1OtZnkP/X8+LhPkpyEMssYJeHYyg2Gixv8ANdveBUbXeJcfMsNZIC+E37atvfT5Bhs0bywC XGoEdl8T7awbJ5HXyqJlN6sstiR4g2rzsvTa9KA1qq7aApvVjt192AVN6trFSYWZm4LM+JM0Jewf abBgDcAjxr7kPlZ8xlyHaaZyBc6kk9AAK6l6K9K4XFYsfL8sqS5mQt4ImsyxRsNLjW7sOvkNPOtF j8ZwsOYc/FxMZJw2/ekahgbbbr5fwpTL6pGkjhItenDXkCeXVTaH0meSNGeXywxvoIJsOfXXLML/ ANf89Ln42NnYj4uNLZ58klCscfVr2Y2bwCnW9azkvQXp7ljBDwx/bJIRaWRwziSMaXKMwu5bxvWl 5DmsZEaN3sD9ajU0mPPwOx2qxJN7keHhQjbveSlZAShUEAL7uPEg3vTCPY7OJWjbx6jiX97DgCLW qD/5xwdttzf7H7P6P/033/e/3Pq/09KKY/u2Tb+4L7b9B9Pl77UVhq3X5r53945/ThRHk7X8pcre 7w+nGsC3qjnpIew2YdnX6Ev8dtNuM9XYuDCEmxpsiRv7sjSL1t+X5fOst9vIPCmGFicnhlM5MHvJ Ziveh7iEWuW2sPDzpzLBtittKi+NgdFz1iuW22834kuJJGwsSwM2leYDXphl+rxMCIsFFIN0cuS1 vbYCqUWT6i50yQcejNGtjKkdgqhtLuzmp8j1PmTwvjy4uKY5Dd1EQUEgWBO0joKSwBTKUeZsaJ77 2QM1h5bQRf41EcIVCREqEZXJl9mdaS71ndVO5eZW94Ko2x/3Yi3XUmZ6d5fAcLkYj2YAo8dpEa4J +VkJB6eFEnA8jBG7zY8kRQ7WR0cEE9sr823t6rIT9X5TVviJY0dzk580JRT2VR2QHQ7j3O5Hs2jp rW4ysLjpceKUySLiMMmXkWtq4XcJB2godpNz2RwCVC/L11U+setzbBo4rAsfEW0kKQP8q358bUw9 M9K228R5ruFxULrVmU8zpA7L1y7IxJsZ+3kRPE9gdrqVNjqDrUaAKwPlqPH/ABpzzGbJlv2Wmlli x3dcYSbjtTvTaOZmaXdt2WB0t0owsrkJoBxmHDAVa990UW5iT1aWUX/GnG03bT7WPcFNGsXIY6bD nj7KVbnapDupNsJDJoNlKDWS3w2Bz51p+F9UcnysKcacaNpdwDZG3txRxW+prHrp0pycLCYO8eQZ iDsjVZAoZ/AHZ09tZAwz4cUeLLxf9fKYFpN0bggFS67IwAqnwBYWqRuT4rheReXB4s/PHbtzyD5W J+qPt7gNNKCk24ZiYBpvcgKVIbnc6sKbw71oowN22rSQGZw6surIBdHiIGeNb4eneG2bpZSXGrsX 0B9xP+dIs/F4qKYJhJHLu+osdBr5k6Ujb1fiZAP3vHlyehV9R/G1Jczmg1xiIyA/rt/lVYdluNXj LdpGn2GtZfVNlpvGVbqB1e0Vt+wt/wDj8f12W7nhb/o3ormf32X07jdb9TRRH7e3xjLkftob95j/ ACm7x9la9ePxZleWXIYFbBU2BWOtvdUyYOIXUPlzOqr8wBAHuF/Csu3PckjErxUreKlxIAQen0qf 8a+r6nylcNJx8qlrliA4JA8rr7KB+bQ4CYdH0tRP6UWLR43xwfvxrQtw+HLMrPlLFCx+ZmW5t5KF Fr++vM/D8TFjCQSyTSu9lVLKFTzbQ3JrMYvqjLWXKOasskDsDhxiMbk+bUM1l02+/WrUHqvHacxy q6R7FI2wmRzISdwKtLGNoWxB6+ypG9GH4xw4D+lZeXsWufKQFr4tw7L2p2OG4kuxGRII1UEKQA97 i+oBA8aglhSDISIuMrHmkM0sUrKA7RbWi3jtEv8An3EtfXS1Sx5GZm48U2LBlKwLPvOKDFJqRGLt KCBtsWI/MLC4qPbzTTJl5qRzSoCUU7IVVmBuDulbcL21IHuofdSw7hUWa0oV1YBhlZhfhyzo/a7X ySX20TR61YFo1NjcG3E5cMK88l9lLi9rFwoY5U2r3IC5Fh5bvZ1vSiPGn7gFmj6Hd9NgTa+tq0Al zXW7xQrJ0MazRFTf6iLPeo8heWKM2Jh96Sw2B3Qre/SyFj0o5PUI0XTcc8STQG49GeV/NIcWFrLH pvboFfYOFxGikGZns8q7kTHQ32H9chuw2+wU4xeI9N43YGXiSOULdyaRnKtddN4sq28rVlcrM9SN LJDDx320koCpNKNrkk9GEigMLeVNji86iRo32iEhRIjTkWcE9xdu242nWsX3Ye488gZ+Ekd1q2hg 28bEDahiuF3XVxuL6741S51eOnyZJsUxYyAbYoo12ghfMKOpqjx2BhTybuTyRiQWuAbiRrjQqLEW 9tT5H7rFko3K4uPjxHU5Mbd2NkB2i11Vy3jbbUEuZM1w5haNRt7jOLBAbhQpF7VvHv4PLEazhcAL k+Id4oGbZ/qHmeIYMSF02RuN2s2XK1WP2fh+n7tH9N92w23dfh4XopV95j3vbDvfdt7vha1vd+ai rfOwf8vhfNc+WVR5f/Tiz0+9Ll8XvZU+OTiRuYs7BkifXcA8i2v+nubwPwqykXG5AJhypYXIFg/T TwJjK/8AbU3F5K8orcdyN57KTA/+4NurDf16dPhSrkMaXj8h4b/MuqkaBlOquK5dPLaQwuvlyKL4 HwsvMV0jpZBILSRnDFQGB5G1NIuG5Jv7GZFkLb5lkl23v5b1BFvCs76ozeR4KIxlUGS7AQOCHI9w BI+NXsbInb6dG6AjpSPlMZsvKGVnuRFCG7ca6sx6XHvoza7eMSa3YELwPE8KFnjYRgwxSXY4EXIA GdYmXOkEM2f6hbJ5B5WKYkQlZVG3QsdbWq1HhcVncaubjL+3SsSLZDuxFj+W5KmpYeCiyJXWWALH cnUnqfb41cm4nDEH224KEAC211o9tN7ibTyCtgOyh289gLRS6icSVNrdVUeHwsFGZs+XGy1cW2kG ydf0upN6bZHHekJoJo8doIJmjPbm7jRsjn6WAMzdD4WrNy8IiKyx5LWOoFvH4Utm4nGg2Bo2lYi7 ttPU/wAKxkUswYbki3DUAK3ijlFwY5GvlaI/Xam/o31Xn8VnjFyMyRVcmJXZ9wje/X572B8xqK6e uPCyK5uzsbvuO75jqTc1xn9rjyRaOF4nFirgHr7a6v6bkyMjjYYsoMJ4l7bt03AdGr0hXTcOhI4q Rdh09VaGGVnxils3BlNlYcuGNOcORcQvHFaLdcsABta/iV6Uxin4tiPvMJbi95ISVBv4sl7Gk0sC 7k3SbWvtDXHXyNeS0kbMr/Un1A+XmKFZEkzxNWDPGbWwHPEd1aD9v9I9flv9fT+W3T8KKz33EfXc vTdf2dL0Vj8onTn0Vf5v7kfPL21a9MIW5mErqArbj7LVZ9RFJIuNyn+VpY3VreQKsBr5bjR6YKwQ Z3IswEcKGzHzA9vwpT6+y5MLC46GK+9ID0832jr/AC0vmk/Xhh/bXSexGJ+sUw2sOuBY/wAxwe9l H+BqDI5bCw17ZkHctYqOoHiPZSPLzI8iTu26fTfW1LeHmxcOY5eWhnmQboYm1QyHoX9g6+2rEsOS zjInS5n3SlhpoTqbeFYSyu18ek2Fd1tlihVUCKgAAFz7K8PPCevWvHexfIfCpO1GfCvn28RHShtQ Od6Ms33e6o+9ifpHwo7+J4AfCvfYhvbbrR9vD+mvXXpqLP8Adr4mTjA6L+FOsH1DDgLtdNyeHgR7 qTdmJAW29KXZSMI1mC3hkJCuNdR1X31pGzA+AkdeNZTMAtpApvkMq1+RynH8pjTRwyH5hd4gP6i2 /PGLjUHyqL076rfkBJhZjB8/F00QI0kY/MQzdfOsTdUtIpKlPmWQdR76+vmSY2Vj81glzNCQJJYb A29qiwYEaU79Pk81WjfEjFTXDfyLbLDLHuIhpElwwBwuOiunfcQdftTf+5t2r9XTb8NaKzP/ANDg +r7ae/8Ac29lb936O39Xl83uoory5OXDmaQ6l5cfhHfV/wDf8vG45uPimULJJqNouACH+r360tys /J5X/mSGUo19zG+gvYezrSLOzRArKCGUKwjTq1wPmZj/AB8PCrHEyZEuHHJMV6sAF+naD5+NB+oR qm3Zo1AZmuxAxxz+qnH8bcv6jH5xJUKQgJwuMsKurAgYNYGxB2nxp3zMiCCDF2KJ3VZMhl8FOqRD 2AUpBsb16kkaVy7dT40jWQgMAfew7K+htBG7KzAHQbjr4V4taii9e+LxpeUzMnFicL9sqMxP+o2q FVmNlFzXpZUiXXI2lb2ua8WF7+JopwnprKaMyd3XcAB7Nu41R5Pj5OLyceGRt3fg7wPtDFGH4VZo ZFGoqQBWMe928jBEcMxvYVVIBFj0NQLj7Ynhv/Sc7tp8CPEVNevhaqAkZUQVVrahe2VVzhwhSGAI OhvWPyRHxef9rIzHAm1FmIMdz1W3ka2GVLsjJrA8zkd/MOtwg2imHpzOJCwOFsa57+SpAdqqsvi1 DSRmL5067GRe33bXta+4X7Vt3cvfy8fLSisx3ZLW3G23Z1/Le9qKd/M/d4Vw/wAsfi48hT2Z2C9t XVpJGLbwBbb7rjqfMU/4dMhh2GMOxbF5lcljYdQOltemlqp4/GxJEk0pkjiGqB9oBK2DKwJuBu6E 9aYY+8ShO6QsWsKWFglj+m3wqJoxLEyfEP6VO23R2+4imX+21zztx9lMhKh0vrUMuVHGDr42oL/L usp3C12sNDpe16Rc6c3IXu4zf0oBtulrG2n8fI2pOPSZcSSth012B/l+0wVY3uc+FqeDMiIGoqbi OXi43KzprAtkBFH8hJ/zrnLcnyCmzPtPkRXwctnD/cHwqBsZFJswBq8n8g2so0vG5GeQ+2uwL6vh WIJtub3v/Ltpfy3Pwcn9q23a+Osik+x2DCuX/u+d+sfCvJ5TOOnd/AVJ2kpFi4t11kvrWxjYPHCw IywHVzroIzovOvhzYvMVz39xzf8AzH4Cj9wzP/Mfwqv7efiFbf8Apovyn7h9tbXPy0aFip6C9YN3 Mjs56sSakfLyZBteViD1FRqjObKCT5Cittt/KBF73pN6p6kN4yEKVCXz5njXmirf7ZmWv2z0v+Nv h7aKJ0typX5i/EO+tsqR9tp8hroNYoiLKHtr8t9fxqyI7nduO5gLC+oFvIH/AAooowZ0qNUp5J1Y AL8o1BILJa+0DxF76iokmljiEccAZQP6r7rhj1Pnt9tFFWHTUjTpFLHwePnuWngiNrrvkUaWvYXa 1UXwcAH/AJEelvpdSP4UUVU+XfxWrZPmLeG/bUqcdxZA3ZcYNrj50sfYfm0r43H8crWXKhKmwv3E uD56Giiq/g9FT+q6alHG8UbN91CFNgwMqE3OlxrpbrU8PHcWsgDZOKwGt2ljsQOv5reNFFR+FwtU H5i2Oqrg4rgiRty8fdYWvMl/HQWbyq1jYWAjKFyISrNptdSw0t8m0k+2iiveGqHzOOrtqTt4t/qx +luo+i31fV+FFFFWw9lUxr//2Q== ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/content/CNBCTV/Images/insure_car.gif R0lGODlhcwBCANUAAElbZi9HWCtrmrC4wIyTnKirr/azAlKEqpemskpshHeCjPzRXcHCxLWdQhM3 UWmUteXl55+3ylpYNfzELnSbuNXW2Iiowfb29qiIHzhzn7u/xJmangpUjEZ7o8qWBiFklxhekwxc mOSnAxNXiwopQGiGnfv7+8fKzoV1KmNwd4GDVNO4WX6ivdapJIKaqsvQ1dzd31t9lvLy85OvxTxD NF6NsDBfgZGafLOyixBGb2uPqnuMnPDu7gAAmfDw8Pu8EiwAAAAAcwBCAAAG/0CTcGi6GI0ymc/H azYhUChsSq1Yra/s68Q9Mb4MjVgzKJcL6LQavWm73/C4fE4nEo/I5NLJi/qlVFNXL1hWJ1kMiFwa XAONXgVfkQyTlWIbl5kamJuZDBtfoJ+hpKMMRnZFeElKTE5/flWChRWEFYcvibmLjyeOlJLBwJSa nMbFGqaiy6WiqHZ4F6x7r7CBMFeDWl1cYGFjZGZna+QFCHTo6XIgIe3u7yDxHx8g8x8CAh8ZGQL7 Ah0dMnQ4kOEAwQM1OtRI+OBBh4YHKFCIOJEFiwMsLNSwYKEExxIzZugIOXLGjggRTqYss4OlywEE yhAQM1NDTQLNvrB7xzNePf969vDp4+cPoMCDBxMufOgQokSKGC9m3NjxI8mrJlGqbDmAq1eZMmmK tdksGc+zaNOG8Mn2p715+OLG3Ud3H8C7AGPo3RujhN+/gHcIHkxYMIHDiBMnjkNgA1pGJzSwyLCW XbwQ8zB/CIEPhIAaTTKA2Kevw4cXPCwYFLB6YQbXDTtIlM0iRgQYTV54RFACwQyQv7VqLYNgC9eY MMfebFYGLZ8+oi2zy5y58+cmNkZnKH2aBwuArA98rvGafOzZEik8f5GxN++QIFMOL8MDhgKwyW0q T7as+dkmCQRQAQ8acOAOQTwVRE89HSTgwAgfDJRPhAHmcA9C/dT1mg54AYT/2gsBANBECX3pgIAL gQl2omAD8HBCCgrsQIA5ijVWAGJwCOYcDwCQoEATOYyGGw8vCIBZBE48cB0PDyLZBwsfnMDDDjYc gFofFNTwQBNORvAABbKpxwMBJAQgJQI7zABBbr/hJmUfA2jAxwAMrFnfGDxUMIV+m4SCAAI7AuBA AgCOICcFOvAwQwigQWBBHx+AxkMOW2pQAgwvgCAllXJqgEB9ByRKIAMjOkSBkykEAGOqCqxZQIsD XNqHBmuSgRsEn+AWBpFx9pEnAst9wlGgOXTQBAAjNOEACXnmMAMPCJDQYgLGMqleBA4E4EAOcu6Q A24OAliCsik0EQC1sh17/26AAezgoqo8DBADagQEQOoGKRRAIA0i8khDfSm0yIMCAACggGIb+EVs tQBUy4cDcipAwrIOxKAsoU0gkEAOUioQQBOpgmwxDySUy0MAMcj2LA8pAOCCCwnc9xwDAAxIsJQE pPCpBjQQ8BzL+r7ArwIKKPclsWIOemwCCfQY8bbbjhy1wBDY0PHHLNsgchMkuHtyyhS40ATBLhzS 64tEt4zaDinQmy8PDASgL8sEKNCyvgzQoACwytWgA7GoDUCC1iRLO4ADn27gAGoAcZ2AC9kOGEPE OQwIQA7mSj0ukzbchVsBAGzuws4OpLAJADijPiYA+moQwI880GAvza3rXf/jYQDtyMCAPJLA7cDu IpBDojCIDQEIByj7bAEJDGjvwAG0aE6eFSvrNcphik3kmjDAuKbMGrs9YM76QrABAuO3rgDeACDA 500D7djECQlMPIIAvL9gQw4jfNpHCdXj3JUGRoKInetNEBCU1K4HNgokYANOgAEAVEUAO70IAOIb k/eaUIAN8K4CRGOf+25Ck9ydJQckSKEKc8ABDjgAAA6aGAdyECKK5QCFvssBDAMwsRwsi386jKED bMDDIdpgYp0DSNNCJKgyMU1VqQpRgPiVKioCIAUtSxWMAGDFod2OAPhAiwtVuK0RgGCGFNvWB0bg gDaq0Yf8I6IbcyDHzo3/IADaOpcN2BWDAIUuTB0oAbvwGAMXxKBlIcKiC1hFgIIRLWc0SAHbEJmC urGNde+jSRjP0sIZdvIyIBjBDUfAgXlwQJQWEsAIbJCdDOyPldoZgUD0sbEEiOcAMbDBQmwQAw6h RwcJ0MvjLFDIHRgMRSfSGQJiQAA03UiSCFDABti2gQLsoIP3yaRNMqOWbqalLeB8C1zkgg8N0aVD HeDLXki0TsD4pTDwJMwXFXOZEHTynvjE5wj2acZwvoWc5hRIhwxCUIQsZCENSWh6JGKRhnLkoRYI iURDgpKKWvSiGI3AO/LJ0Xvyc5/gdMs9AGrOgRbUIAdFaEK/tNCGWgSi/xGdqEQzStOLbrSjOP1o SMVJzgzVBZ0nNehBV9qQhTLUoTCVKUVrWtOb4pSjOt1pUEiqIaAWNKVDXalRXZoRiCp1okzFqFOf ms+P9pMtPKXqOU16UqwSlaXp4SpMOfLVmYZVo+7I5w1WoIKnRrUtaZVLQNl6VbdqtaVc7apX67rU puYVnyuYQF9zalZ/TlWwJSUsSg172Li6dK4PZaxMbfrYezbAABJgYQv3eM892gCklp1HDPghABIN dqAu2AFBsarShrzMqOb4LBoQENqQFEC0Mh1rC08rAQcsYAE3eG4LWqiABUzgByrYp3VTAILtfuC5 CpiAXiI7gRXUJbIl6P8ADiZQAh08t7wlOIB1b1CD+T7guRuYwA1YioD3rsAFLOjvBKy7Ao48d704 iClylcsB5jpgAgbwAAp+YAAA2GABLQAABkSg3QqPYAEV7u4EWiCCFERWBSr4AQYydAPsZmDEGVgB dhvwgwbI1wAquHGOrUtiBZTgS5FtAIkbQIEVGKABNDYAAVjAYxHcwAUKZiyDHTwBEdCABAawMgCq TAM3coDLOahyaquMAjxet40/8IAN+pFiDCTgByjYsggCIIEfiCABYsazCCSgZwwULAE6cEGVASAB D2CgBDdoQMGqrAIdVNnPoVOslEvbSSpbmQRgFoEBatzcMFvZ0zQANQn/JABhTYvAA3Tkxw9aoALU kloEDqizAQIgZhvkWcx4BHR+54zHc5VAyBMQcwxwHenFKnXKqH2wlZXd5QCgYNMehnCowczl0tmZ BhKQQJdtwA8aY8ADsbaztecMYQnYes96ll0CtHSDKq8LhkFu9Z6HvWcAxIACoJ0rsptLbSuriocb RsGXDTDtT4PZBnaeWAMwMMR9pFgEKHghha0Nbgqb+9b1RsgDdmDx6K6g3RUGgJ0lkII84zvfMJ3y nh1w7RxcGwUjlsC3U2sAA2CAxp9uOQg8YAAUtBoFdOzHm/ccABtoGgUNgLgDan7zkSMc3QitgaYx 0IIj36DmSI8wn0ee/wIKIBXlDJ65A04darI7AAUiODUKJoYCD0jY7WX3QKhBAAAPpB0DAQg6P1rg gTLZIAV2N7Ts2v52D5j71HwWKuDdDmm3G3rmCUB8AryeWId2lcE43FYKb5hCqHV58zmgwZVXiMMg sVH0bUxlP+BcJlcGAPXZsoHo8YjEAA1KqDEgtATwCENtFyzXMcg15SvPVQaP8YY/9GEOl9V5FjLf hj7cVjyi38b7CUDGK+e269tYdFdmq9dPPJdQDzBIe+ee9wXTS/o9S3yLGP+GLYT/DFV7w/qfcv71 ryw9UGmDkaoAA83VcPvASmtmFKzENOjSIJu1ELjENDHgN320TjqgA/9+oQNGNXyJZXxkBVWVFVvj lA/Rt2aZpVm7xVu9NYGddYEqmB4auIEcCFseOFIfAEciOIJ4EVQLyFtvRVQruIIt6IL69FdoJU4y uGY+VVXoNBA4KFQptYNv1YNG9YNA6FFC6BNE2FNHiIRWFVQm2IRO+IQXKIVT2ElVKA9XiIUBJVAk WIJd+IVfuFBiOIanVIZm+E9oeFtbiINdmFVu+FZxOIYdKFWBhVk2eINLmIN72IcJ9Q7R0IiO+IiQ GImSOImUWImWeAGMeImauImc2ImdmImeGIqiOIqcCIqkeIqomIpGYIqq2IquqIms+IqyOIuOGIu0 uIk9cIuWaIu6KInsuWgEv3gEwdiIw+iLpegOvaiJwViMkciMqsiL0dAD0ngB0wiM1ZiLvyiNzKiN 1liNwjiN2piN3YgH3EiN11iO2eiNkgiN5AiM7riM5uiO8jiP2CiM7UiP1JiPxGiP72iP9XiJ7MiP 4giPyxiO95iP8MiP+oiQ8RiNCvmPDOmMkRiQ8jiQ/qiQDtmP87iQBPmNB9mR/SiRkEiR+miRGsmR H4mSD3mRGJmQDBmSsIiMkyiOJXmN5KiO46iSHtmR5XiTOWmQNSmS0UCSySiLQrmLMtmM4biUTNmU TvmUUBmVUjmVlEiURXmVABkCQQAAOw== ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/content/CNBCTV/Images/cooltoolsfooter.gif R0lGODlhWgAuAPf/APhLF/gjAPn49vdiSPzPIB6Xw/eUgxiQwPgtCXp6ej09PbjE3nqUx/gxDlxc XJms0g8PDz1ksB6TwQ8/ny5YqveYM8fQ5Obm5h9LpZmZmYmJibi4uE1wtqi42MfHxy4uLubp701N TWyIwdbW1mS4Mtbd6aioqP3MElx8vBOPNImgzWxsbDEzkPbEu77E2/X29pSgyGx8tfy/Gvd7ZfXc 2OPt3fd2X7C41fbw2febMfbQypfK3vgyD2+41R2TuL/c6BaQVyc/lefp7xkzjx8fHxqRwPb19fX1 9Pb29f+eLfeWM/g9HLLW5fvTTRmRg1ZGf/g+E8qmMvnjkcqjNOwxFvhKK1c/hh5tV/hEFfheHpvP e9rq0D05ivrZWSuZxPdWOWGy0fisY1BkqUJ+Vny+2DVLnHm/gpRfX8zQ4qTTiERlbS85ivngg83j 6/afjxiSNB96ia1yVieZNNLHSxWJOvvUPfby50WlzVSszuzx6V5wr+uSOfu5HnbASveLLqTQ4ShQ c/frvH/DV/3JFPnedhWQTjCBuPdxJRSLSZPI3f/KA/fqt/X5+vd5YvXa1kCii+Ds8PjMI3CAuOnw 5PX3//f2+BySwBuSwPgxDfguC/+gjmJeb2xMeTaex5HH3We5NhGNvv+dL/X09fjlnPb39vf294jG YfybMPqcM4FVcSs8hPv4/Pg6GVNIeeTt9f7LCPg0Bfg4EgiSJvbSy/j2+Pzkkq7V5KrT4/eYMvf2 9bFuWvd7ZlayIROOwRZlXSFHevz49/jfmRaBp/LryhtVbo4+X7Hk9f88DPXUzvX4///NCNaCSPgl AL3dqvr3+vajlPfNpP/CE/bEGIfIa/j29uXu4Pn3+PdxHByWtfjnnPibJRuJxRWPv++OOPg8Gx+G Q2Wz0vZ8bJHLcPeOMBKPgFi1Kf3LFPi9HZbK6anTrYnHZHmIuxaULZCcxuTt3viTKQ+SK/qsHRCP lbbY5fecNIfD2/rYVfP08m+DVPgoBIO9O+vx8gAAAAAzmfX19f///yH/C05FVFNDQVBFMi4wAwEA AAAh+QQFFAD/ACwAAAAAWgAuAAAI/wD9CRxIsKDBgwgTKlzIsKHDhxAjSpxIsaLFixgzLqQxY8AA HRpDihzoZkmDk1VGqsQ446TLBiBXyjT4R4IEMD8Mtnx5ssXMnwOZ2LSJJ6dAAzxd+gQK1MtQm2T8 0UiqlCnQHU9tGrJCBQoAAFheLrU6885TH3BYnKnAtoKfLCdpkP3ZZqiPQilYcNnTlu2hLyofMBj8 AAQKDP0odPBX4nDiBwMtoJjQr/IEFBYElhg8eMECDpQ5LMAqwUmKFIBYxOnLNoxKCpX7YaAcu98D 2rEhP6jNG/KC2hx49/PXQwKQ01dYPGGdo4lK4dB5UygRPbYFBtUroyB+PAWdNSz65v/g02WkBd6I eU/AXRl7bn8L0isOXht27QgCzchJ8WYMiykyBDjICVKM1MF9/uwWGwYgHBjbBPRVhgEDni0wkH2V qeCPCAj6UwMJIJKgRhQnlFgiDiO5V5lutTEA330cQieaQLwJpGI/LgqURogkzGHiCYSoFGE/Ft64 mAq1iVACe72dFxt+/gwJ2UCChFgDGwScUIcdr9UmUAS1ZRZjhv5YkJ5wEzionUAYEklQHlqQ0IdA OARygx4xoCFSbRgIdOZw/oAZm4UCLSBCm5UJ2h6NXhq0RQ0EuSBGGS6E9NuTjFZGgUDsdcAAmBwI BEKb7FnopIRzFaTgopdWFioItU3/cCMFDIiA2wRtluCPmv1AmaqNtbEYm4ut9grCn8KtWhmww94Q BAy/Kuqmkf4gGZsIZSJq2QOn9iqQlDAMEcOvFlRIaLkVgsCYuboK5GkE8IpQmD8gmJtZmeaq64IQ v/br778AE6TAwAo4MJAHBCuwQsAq8eOwwxcIpMHD/CjA8EgU85OBQB9QbPHFITkMgcMh+DNCxh97 4MDADmwg0AYJJADzwAkQpAHBG/uTQcwu++NBAhqQ5bADIvszccUOW2xCxhr7k4DIFNd8QccUG5yB wx8IRLTBVjmcANUbhMAPBE9XfMHI/Ghw9dgXlM2PA1RbXLYCGxCt8QUPj+DPyCYIy81PAisMPfTc a38sdtplZ32yw3s7rDfeFftzuAZLQzCX1x5kbMLcZXNddsxeC/SwP0yPvjQ/H2x9+d+NP9x20p0L 9PnnojP+cMIDC4Q236vXbDc/JROetNZe00667RBLDDTxRffuz+lNz704Px6MgPYIxo9+uAMXHF2y zw9z7bfUrjs9vNsPL5w949ZnDIEHAxHhcM7jCyR21uZH7vTuNeff/+g+U8Dt4DeQwPEjYiCbyQU2 sIGOiS+BK9kAxXoGwQg+LGgVzKAGNxgQACH5BAUUAP8ALDQAAwAUABIAAAj1AP8JHEjw3wtGBgY4 8sewoEOBzxAEMOBPlL+HBZF5k7iLoUeG1PzVO3ALmJF/jfLxCGDD34uP/nL58wTqUqJ/s1hlWtny 5cWPtooUsWRMEzNMPF02/AipU5EC24od+xeLpdKL/z6C41ZAWKtuqMbBCvdR4Md5vbAhUrXsFL1r bjwS9LjvjrwUv3SFwvUOmty5/oygIwePWKokSrQF+wvY1SNZvjghjpctWUOH/pylY/dt07lo5hYx nlvK3ad/+KQpI4Bj9Nwj6srpi6TI3pHLGFc14zWt1qtRlHA/rHTPlLh/w9a1E4BEeEFak6pZIyUp BnOGAQEAIfkEBRQA/wAsNAADABQAEgAACOQA/wkcSPCfv4M0ZgwYoKOgQ4H+3CxpQLHKw4L+ZlDc 2EDHHwkSwPw4SPKfRo4UWzABCRLPSH//DKDc2OKfF5YgyfijMZPmvx04QRqyQgXKPwBYONb8dwen DzgszlSYWsFPFoo0BLZh6aNQChZc9lCdeugLQaASnKRIAYhFnLFTwxTsIQHI2issnsDN0cRhD7sp 6KxhMTYHny4PzchJ8WYMiykyIg86IeVhDRKY/6mJcqJzZxwX02DGPMfzCUIXBQoaXYMNgRN17KT+ l0cLiT4GcQS6oScGmtT+ttQg6c+FmDIuAgIAIfkEBRQA/wAsNAADABQAEgAACPUA/wkcSPDfC0YG Bjjyx7CgQ4HPEAQw4E+Uv4cFkXmTuIuhR4bU/NU7cAuYkX+N8vEIYMPfi4/+cvnzBOpSon+zWGVa 2fLlxY+2ihSxZEwTM0w8XTb8CKlTkQLbih37F4ul0ov/PoLjVkBYq26oxsEK91Hgx3m9sCFStewU vWtuPBL0uO+OvBS/dIXC9Q6a3Ln+jKAjB49YqiRKtAX7C9jVI1m+OCGOly1ZQ4f+nKVj923TuWjm FjGeW8rdp3/4pCkjgGP03CPqyumLpMjekcsYVzXjNa3Wq1GUcD+sdM+UuH/D1rUTgER4QVqTqlkj JSkGc4YBAQAh+QQFyAD/ACw0AAMAFAASAAAI5AD/CRxI8J+/gzRmDBigo6BDgf7cLGlAscrDgv5m UNzYQMcfCRLA/DhI8p9GjhRbMAEJEs9If/8MoNzY4p8XliDJ+KMxk+a/HThBGrJCBco/AFg41vx3 B6cPOCzOVJhawU8WijQEtmHpo1AKFlz2UJ166AtBoBKcpEgBiEWcsVPDFOwhAcjaKyyewM3RxGEP uynorGExNgefLg/NyEnxZgyLKTIiDzoh5WENEpj/qYlyonNnHBfTYMY8x/MJQhcFChpdgw2BE3Xs pP6XRwuJPgZxBLqhJwaa1P621CDpz4WYMi4CAgA7 ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://global.msads.net/ads/550/0000000550_000000000000000028830.gif R0lGODlhLAH6ANUAAP///12fv6rN3WakwrfV4wICZwEBA57F2VJtpQFmZv/OMm+qxlhnb9Tj7C89 iYS1zoqUn8Da53uxy5XA1fH3+j5Tluy8L4y70gAAX+vs7IRqS+Dr8wYOHRYkLcfL0TNFV6+zuVJU wCgzOkk6DK2LQ4GfwX2CzBAVcXq302eGsR8pfQQuRqzf60pFUIpnFbG43J+osILB3xERqD8iFJay zMKaItSYmM2jO6lAclN4ixwaEJyg2hocHSEaX3Suyerx9yH5BAAAAAAALAAAAAAsAfoAAAb/wIBw SCwaj8ikcslsOp/QqHRKrVqv2Kx2y+16v+CweEwum8/otHrNbrvf8Lh8Tq/b7/i8fs/v+/+AgYKD hIWGh4iJiouMjY6PkH4DQpMBlZeUmZaamJuenaCcop+joaSnpqmlq6isqq2wr7KutLG1s7awmZiT vbubvMC/vsLEvsbFw6THysHIzMnOy8LRzdbV2MzS29fa3cnZ4N7h0N695ujR6drrxe3H78Dx5+r1 7Pbu+PD68vz09wDzBdw3sF/BAQgFKiS40GDDfw8tzZPoj+JBixETXtSYcSJHhiAdhoQ4EmPJjyTP /VtpkaVGlzBbynw5MybNmzZz1tyJk6fO/55Afwr1STRoUZs1ESpVKnHpS6cqnTaVCvUp1apTl2Zl WjWq1q5brX7FCrYs2bNQw3rlivZqWrNv246NS3du3aZT8c7Ny/YpX6t6+/6NGtjv3sOCERtOzHix Y5WDIyuGPLkw5caXH7cU27Wz58+gQ4seTbq06dOoU6tezbq169ewY8ueTbu27du4c+vezbu379/A gwuH6qO48QVLFxg/DnWB8uLOmx9HrvT59OTLmQ9w/pw6d+gIu28Hr9T4+Ow+qA9fz553igrw41cI QD2FA/kVENAPPwCBfAQpeDeJf/ABuBSB/5WHwH34IeDDgPIhhwCC8/VXgQMIDBAfAsgt8P/ehQHY h19+C1DS3okowuZDBRi06CIGJzg4gAoYFPAijA4ugMAJNr5YQIYlOnDCjQU4sF0KPbpYQJHbBUBj ki3qpwKUDgTgwJIuqjDJkBjo5yKH2znQogoBcHmjfhOmqOaaqAWApQoq8GijAz4gsGQBcMqJQQUo 2FnjCXG+WeKQS8J5ZwEB+PAkoFPWWEAKKzpagJxG0ihpjJYemgIKYmKgwgIsLklfpJ5qeOmSDpQI 4H6pCbgdf6/G6uqssNIqa6243qqrrbzm2uuuvgYL7K4LiLkkpG7aWMECPHqqnJ02cmipkXViyWen JwQ4Y4t0Qvtjeo0iWia3ROhoYwHzWYL/JKopWOLhnQ42+um7NrbbbJVDOKXesK7i2uGt/woYMH8D v1rwwAIbTLDCCv/bMMAMI7ywwxI/nDDFDxuMZI2p1lkjBikg4KiDpGopMoyJRnpssnuml8KXKDw5 7wD3ohDqt9z1eed2zm2MaHrKdfopyxWAy63KOEeH8cUQS+y0xVA/LXXUVE9tddVYX611w8XeuV+z WoJdHMvSKuvcuBg4YPOf9OkY3wDr/ojCil5v62zA3spI748drrtnn45CWsGSJ2w5ptJNZ23w1owr 3vjjjkcO+eQ0j+kD4EtmeG6GVv5p+KPpiXzs2kX6QAlyoY9ZCZd0JjspnCqQ7G2AyMVN/7uOgXss Ks1L8in6pA7AuSzlS0tuPPHHJ4/88ou7fgJ8XJ7gQ9yEwxsDiygP4MOVMJZoabvVF779qYUGgPmZ ysW9394pjMf9CfSdrALdKNuM5YtFK784z/wr3eH//QOg/wJIwAEaUIAILGACD6jABjLwgQuMIP+Q dqNsKUpSLSpSolxXtEFljlPcWsCUesQnn/Uoc00i1H+iM4DNcaeF0SqOn9CVnk7pR04yIhSD4ANB ByLQfy/kDhCH+L8gCpFnRkwiEZG4RCEWsYlHdCITn0jFKVpRiliMInfGVT3gbQpasUNAozpmrBM8 R2gocF2A3sM2Rc3pPdaaG/ZUMDfzRP8HXihIYYs6OEIzPohQA+gUnwDXvTqiQItKrKITF4nEAALR kUWEZCOHOMknVpKJl0SkJI2ISU5qkpKeVOJ4sAe/phjHUghAwfUs5zeSxc1BxqKTcp6ktt9t6oLo kgAX9RZJHAINhn9rpctQ5af5IYdLOUpkJEF5QEQukoiMfKYznznFaEoTmlm8ZjWzKc1tTtOaTkRb B4VYrUk5Z3tz4pSN5ndIeaUxg+bT2bHcmLZDbutRa/PU5eq4gLml8VybQsE/lbXKSY1qcHuikQWn VyN2Xo6bVFTmNSdK0Ypa9KIYzahGN8pRJ0qAlIlyIi75NKgapdJSKoDPlT74u/jIaX7/tuun6MzI xZTGp13xaRT8cho4caZnfICKEtBkFh8HQKqjSE2qUpfK1KYm1XRcGud3oAU/GVpOhB+7ETtF56MW QQql7tvjKrP6JewpaUJQ8lQ+q3pMR92tnDfqEtCcSte62vWueCXn4Aw613OulE4PGmEq6yQnHp3g BFVKz4zCN6mixa0CEvAg/Hg3qcqWbkqGjZE6M1uBLfUustMz7KSO2jXR8mheeU2talfLWm2W55kS OWJ4zrkvhMztnA8izoNiq9jqdIaF1UnPVMQz2y0m54Vpaa1yl8tcu04HOt8BrXKscxz09JW6P4VO cSSgXeVwd7rVhW52voPbuS6nO+gh/6d1m8ve9rp3oj8tL0Ky26HcAne2vZ0uNWk7X/umZ26WyG5/ +1sihHwXt+GZK88eVF53gVdf13WqdSdM4Qpb+MIYzrCGN8zhDnc3vihggAE+cFsUfEAE3O2ACFCQ AwNwwAAw3tQCRADjD4B2OSw2QAq46wMVF8fHPpBADkTAAR3s2HQGYMADApBkgX7AxSMOAGglkAID dOA5QjZADpbMgSMPgMgGEMF2A/DiGmvXwxPuznvXzOZrxvenVH4xA+pI5hygoMp2TsGQeZCDHAT5 xAEAMjlNLALn5BjFeJ6biBmQ6BAbwHwf4EBIefCBBTw5B5GNbAfCvBwa5yAGH7jyg/94IIIv80A5 JtZynyEV36YCDc2wjrWsZ03rDYP3OQPoQKSPbGIeXC7UxZkbBxgQA4EyQNI+4EEHxvsgDmA6PSIg NQpEIOYcfyAGQg4pB0g8AB3YmMUcWEAMGMAD7RXnxNQ+ZI6dvQBnz+0DvmZxpSUwgG3HoNgfrrV1 bv1mfvu73wD/t8ADTvCBG7zgCD+4whNuXQl84AMp4IC56z3nBXTAzpcTsbkjPucqVzy7vUY1AzrA gBVEfMc5vvjlJODoFIxb0hKQgIpzAG+MO5rM1y4OtUWQg5EHOdHe/XWYP8AAc5+X4QevtdKXzvSm Yxi7LO7AuH0dZHL389i4pnQdoy3/7ien7Lxa/zHRRXDiuXE30iMOtornpmuWV7kDL8Y4lbU8AC27 vcs8H7aTfc1yHiebAyJQMXWx6/TCG/7wiNewLosc6hWnZ9sC1bU/jy1lXTaZzHPOTstZ3uIBPPzi c9tODFKgAwMM4M5ajkEAjMzyD+hgek3+8YifvCkJUNsHn38Oyd9tZ0dnPvHAD77whx9kmZP8yXMG 9wBi0OIj95jEGX80qJedHU07XubXfjKKg0zye3egA63vgCrLbnliNzrSDIi0DhaweDvTeM5xFneL Mf59VdaR+PjPv/4VbxwTS3z0WmZsWiZi0Kd83JVqPddl9xds8ydQ8wdqARhZ20Zz/wrYY3xGeyjg cBJne6dmeZ+GAt8XfnnkYokSYs6Gfg5oZQ/nZ8vhd0rHXTwWg9s1g0FGgzJYgzh4gzpogzyYgz24 gz4YhEA4hD9YhEJohDA4Y72XAiKAcinwfTwHg0JmY9zFfB2gbBhXgwc4ZOw3hVf3AcU3YyoGcXU0 crr2bD6QfpHFcxnIAJnncAzQels2Y3F4OU+obJnHYju3ezCohUf4hzLYh34IiEhYiIR4iESIiIaY iIy4iDPYhzEYc0GWgTZodsUniVLoXTEHiZOIicbBctsVc6iWgQc4in5HiQuIY3AGgwv4XZejhQJF io/oh43og5y4ibiYi7q4i7zYi/+++IvAGIzCOIzEWIy8qIW7WHyX6IvLqIvNqIzJ6Iy4CI3B2IzS eI3GSIyzeIu02I3c+I3eGI7gOI7iWI7keI7mmI6YuIm0KIXTuI7UCI/rKI/vCIn06I7sSI/xSI3L CI2XqI4AiY/ZOJAEWZAGeZAImZAKuZAM2ZAO+ZAQGZESOZEUWZEWeZEYmZEauZEc2ZEe+ZEgGZIi OZIkWZImeZIomZIquZIs2ZIu+ZIwGZMyOZM0WZM2OYwPIAE5uZM62ZM8+ZM+GZRAOZRCWZREeZRG mZRIuZRK2ZRM+ZROGZVQOZVSWZVUeZVWqZQ7uZU6yZUP4JVg2ZVi+ZVjGZZkeZb/ZpmWZbmWaMmW atmWcPmWcumWdBmXdTmXdpmXeLmXd9mXelmXPnmUgmmUgzmUhSmUh/mTiRmYhNmYhumYiAmZiimZ jPmYlhmZlzmZmVmZmNmZmumZnGmWbAmYcDmaeWmaXkmaqVmap8maqymarjmWqimbsVmbmnmbtPma uYmau3mWs+mbttmbXzmcxFmcxnmcyJmcyrmczNmczvmc0Bmd0jmd1Fmd1nmd2Jmd2rmd3Nmd3vmd 4Bme4nmcXTmc5Ume6Gmc56me6Vmc6+me7Umc7ymf8Wmeyjmf+Hmf9YmWyJmf7Jmc/gmfALqfW9mf BDqf9jmeCrqgDNqgDvqgEBqh/xI6oRRaoRZ6oRiaoRq6odl5ARcwARfAodjpoR/qoSLanSSaohxK oid6nBegIRWQAiHaotHpoR4yIQFCo9pZAiECN+z3ABMgnTOKotMzACWwnUPKnUN6ASfjAEmqo8t5 ASWwV2f1pFAKnRewUneCWAjwAFaKnB4ac19qnUzaO0F6nWEqAWM6nWnqpRfwMkVioleqnBOwMY7S LBVwpnOKpVkqKUniAF7KnG8qJBWwpmw6ASdTAQeApvYRI3rKqHGCAEFap9zyqBAaopgaqJm6qZra qRcgAc0SIyUgASUwIXKaopzKoiqKqSa6qa26qpoKq6w6q7Gqqp4aqMYCWWxUL/9niqqbegDYk6et 6qa2OqvFGqheKjp5SqzG6qmo6qXA6lUgWqvDSquyGq0gA6IxIDpO+qzWequpCq7iGq7kOq5AilAn UAIg6qtAegE+UAID4KbI+pVhWgI+AKJBCq/DOpweCq9Aqqkg+q4BoK6Zyq+feqQeOgGkGq9Byqlu akMHAKKWIqwf+gAL4K+nilCFSq/tCq8EC7APAK86Ga6IukcHkKT5OgCqaqIiq6kIhQAzWqICWwK2 Sq8HuwAZGy0hWqfKkqQFy6/mWq7lKq9CG7QhikwNS7RAmgIjNCkwm7A78il75ag7gipuKgFxUgEl MEIqIKNhKkZb6gA0+6FRW6r/kyIBQVoBL+W1qdqnXbKuNgSiU9q0z7O0h9UihwWoH8q0hFMBzAq2 Vtu2JyOpdXpYKZAClOIDLKq2d1KoO0IoefuVfEs4KqCuQFq2exWnTHq3k4JYbzonB/C4hUqiapuu 1Rq0qPuqRMuqq7u6JLou0lOsHko9GSSsJYsnGQQjCPUxowuqnkIoGZQCcnsuSaICXnq72OKlnYIl j9Kwxhq3HtoohHsyzLsnoUu8eLu0h8Itx3syH3MCaqq6JbsnEzB6hXJCaZOwu7tOF4A996MCR+tW Y9K9DXUuUYKt7/umezQBLeQp8jokxsu6qjvAAlzAvrqyCPyqKRq6Y3LAJMo9/0ZVtc17u3iyIy7y PO+Dtr6LI0zLMR7qAzGSAqXaLMJLwXjipPJTAojrv8bqoYL0qX4Su4gaOwP7PkG2IA0FIJ9KKAhQ AnELwhzsH9RKtjWiqPy7pRfiKOrqu7ETMoUaMoKkww9wHyJctdl6u54Ctp7ypji8Jzq8MQ4wARPw JAMwvOSrwGjcwszawt6awGrMohOAUGGcxhujAmjLwGkjxsV0AQegPgLwAE9Csw9AwhPQx+ciyGhb yCzwMuSLqDaSLSY6JOlayIN7ss/7J5yrtSz6ABEbsd8zAQKQqAIQA+NrxIOMJ5+bNhE7rexayidb Ao9cAhFrLMK7MQggAKv8of+h7FUR66X3GrGLvL+O7L8H4LvgC8qikwIRO3p7RMRv68jNu6rS7MZr vMYOfM0OjLzriqqu/KE+8MgogMcIcLIPwL4uXCNlDMhLEr6gyqslCjchQ1B4rKh7u07ly7Nn7KvG oiTZss1i/ADwLL1iHKxwWyPK/KHGQqqNi7bXPL7j/KJzor4GfQCwjCPtKtHZSqIgCs9+UgExIM6W /CQS8NHYI7yzW6n4HMYTICbwi80u/dIwHdN43K2+GsdRsq6DXCMScL1vG7/GC6LGIsiSfLyn3CUn q8W5G8Y8Lal7+ycO8NRj5MCdYlTvc9EPwLgZFC0HMM/rKjNPLSQGvdIZ5Kj/2ZyoYlzR3WrT0by8 sUOi4ryuddooSU3J0dLVMKKmwJo5+MrIhaqwkqymNEKxMT3YhB3TG3MC1vyhocLUR7skC/DWIWrO fVoAlqtQ8vok43wyiHUhykLJN03E9+NWNI2qNiQAF4BD02opz6O2JjXQ+xuiT5IkdyK84+Moo52i Dv3Kc4KvoWLSJWAmZ6zWJp3Km809eQrZF/Ak0FrS6wrG+ErLJSCthT3d1F3T3+zOqIqtDx2/4LvU 01ooCWss6TzU08rDYwwj6noA/avSfsLU+Ny17XK4IizVN23TeczARQKkB8A948zV0WtS8X24AQCk ICpGX7LNbm3WMYDWHhqt/9EcpBYsKp4NMhUryem93npc1/99zHhs0pQa3IyMVsdc3SRe3WKNJ5wM 1xPuACc7AbA8KXxcyX69xUBdI5Wt02IsAbMNQ/RsyOQL0h/avydQyIW81Qiu0RDr48dc0i2O2SRt smJc2p281QlbyGWaxzVdyVK624od1h/6zy9byL2t2+hysj5+3Fqe3DWy3Lw8u1wupUPy1FiesCVe 5zDt4oTStW56uBMAxPATscG61e393TQ+2ZaLp3QN42h9AAKw0rvt3ST6JH5L5QN+wGLd02reJQKA PeMsAGQj6CiNz9li5O/q4jIKygvQ2b46zxGL4Xw85h5S5P3b34NbyG6iyv+NDsF0jemWHeOf3cev HeWEY9Tt+9QEa+fIbumM/Cdxct+klMR3PeHjHKQA/OVBHaRPkjbcY72nzTE43NlAzsd2alNxctG4 DbGv3lD4jS4R/iOgzjF+e+LPsyDoIgBIQu5tzs0yjtZiLNz2XiTQ0z0TjlgOgLXevs9ofr8Su+a+ DiNPncpzLO4fQ9knG8hHjuxwTecluvEZz/FVvsI3otIG/yKj3vCEW840fukEa1idMiaJ7CcuwtpK Xesfn1YFcNEZD70+jgE0ayljArHYriT/2vJf8u83Mroa3/BGPADc8uVMbqcxL8awfcH6iz9xLu1S r9w57vMnUPUsjq++Oyn/7WopY9vxZq/xZ1+i+Orxa5/xbU/n+PoA/qECT621/c6kwXMfspywUxqj /+wfMAuiH4K2gHzXC5JS7arHeS+j/lHCfV/Cal+qeW/3bP+m8OHhTAofA1DMYpRSpAofAYCvU1r3 Xz6owZMfhH/4dA/5b9/Hl3/Wjf/lH7IAEB48qy/1Z30h97G3i5/5jv/6ZJsfkV8BdA+zper3Cbvf woyo8JHIav/8z7/20V/5+Pr21T/9uK/2uUzkVb7K/d72jB6xH7rV4i/GjC71kszHDS7144+vUw7X 4W/9Lc7911/98V+i92/l33/+9g8El8lhIpwMjUQhsThsCqHFg0CgHB4O/xftFLtsYp9L78VKBGuH 1W8VbTw2r9GJo4BBKKeC5z7ah/uNAPkGBf3ewvaOANsU/5oeVDBOHg773LQMGdHgGgURoQIdQYvk Rt0G3wpJMS0/SQ9f5RAVS2lBPROjDkpOJCldVYNRQzmJGx1hDVMrj0+JZYt6J2GTqzuPRamdmblP sZFDjY2tqb85l6HNz5/LtckPUhwiMSqszpfvkZvJ27G9+/Xtw/ePnLRxABGqS+iNoEKEDR2Cw5ew H8GG7Mr9uyCgAgaP0yhC5JZvIUWTJzNmrKDCgUiUL2HGlDmTZk2K8FSoqFCCSU2XNoEGFTqUaFGj R9FJ6YmUaVOnT6FGlf86lWpVq1exZtW6lWtXr1/BhhU7lmxZs2fRplW7lm1bt2/hxpXb1IyTunft 5sW7V29fvn/9Bt6LBfBdwoIRF068WHFjxo8dR4Y8WTJly5IxX77COHNnzZ5BfxYdmrRdM6c3g1GN enVq1q9dx249GzbtXQ7k8TzN5TQNeQ5S6KEtu3Zx4seHJzduewry5c+dR1cu/fV069CvU9euukQd DCkIEymB4EH4FHUK6Ma+fjv77MqJpLjjnn57++/x36+f/7qA7nWCwwKSAtIjTAAEPFKBv/0Y1I84 LBDoRQUHF6SwwdXCy1DDDTns0MMPQQyRsP++00OA8zBIT7gDOrKjChH/YYxRxhlBdCBBMmjMUccd eezRxx79I7BEAVjoLsUHWFAjkgICxIIKA1/8MMoow3uSCCszxHJKLKGkUkMqVtSSBRsxUJCFH9FM U8012eSQxODkq4DAAipAAIEJjDwhwxQqwM2BnaSUAIHfECiBygf4lIelQr1MFLcKHvDPTgQkCI8G BOq8QsML5FP0T/XsPIHAE+psss1TUU1V1SqNZJKFFoX0qIAJUkixghc58s4jerysMoVedk3R1Hl2 reMECaJsMVgECChhVwRwrbVMTatEMNhnq1gyVl5X7dbbb3cMksAUCIhQ1FFzooGGFFKgoYoTUyxT Hm439A9YFRBQwdjy/7Cw8c+V4r11iloJZEnfAMl0ANcWoa23I536FFJFB07opeATGgZX4405zvLN F/8r8AouW3SACxrU+7JFFS4gQAAyM0YAPCrmSPGECapgGMwSIj3Q5s3mMbRe+XB2meACMiZTBRqo 7djpp1UVl8l3WxWaQzIrSNJJDgV4ANiGT6xDYCffLTJFFQ8gk1yypwjZ0CCn9fBdLoC9lQqlcYZa 773ZhHtqLNzu1Ukbx+Xyy6NLSJIFGowdmQ2UzyPwbaWDo1KAeaCFl956aaZBAl7qUHgKwvXk2/TT eZQ6QL+tPjxeDIDLe8Ny56zTzgqkcVeAS+mYE723CU4xdlytVfhlYf8J4JpWin0P/V3CFeQN9VWn NND6rbGXvvrst9f+eu+5/37KVpsMvEreDkTP5tajLPfsa2V1lxdZDZ5TaJ9fX/pdxiWh4QAJZec9 MhXgBCwRkuiON61edY+B4nNg+CAIPgk2MHvSsyAFJ/jADEYQgx1U3c7QgywLbs0/A5REALmQPltN 6nbzmYcD/Cc13VAhBfNwHhfUZqSxWU5zJ5jZAV74JDooEHsd1KAROXhEJXIQV+hzYgqL+MS5ObGJ UKRiFKs4xSZm8QHoWZ35oLilEy3pO8mbIgGCV4IIgIkAbZRh8pr1uyfRrIZni9QB3GcHaVWOhIPz CLOeJCrYgYl0ecD/4iGvmMgtInKRiuyjI63oyLllUYqVpOQlGfnIRm7xTWZslbss+S4CTABzyUPf 7oRktxTS8Gx5Q6P93iVKGizpfs6SV4ruF0V9lXEKNACW8Y5XgOhN0pKZtOImNZnMYypTi8kk5jPD GE1oTlOa1aTmNcP4QSqELAVrhGYJWiYAl82Dj8QkXHpY4EYaPACNZysBAZJ0TqGBs43jxOWTfDmn E1KTcFmDJ4oKgMCOEIgGLrPmQbGZUIQuVKENZehDHRpRiHYRQGacwL0wpTsoqoBUdhriCd6WzVZh 7HY+JIAvE8Su3kmOChy13RBVMMdgim2O2bQW0uRzrkGKE0EEcoCd/2oqUaFClKgKLepRh5pUa8Jt SHd7HdpiCURZFWtt05wf/ILjPl3RA1jvlOrr+je3dp6tnNlEabBY4hEEnlWtYELqW5UaVzDNla51 tetd8ZpXve5Vr3nwDW5CujvcEVB/Mj0Q8wjogHfS1ZBgosFK0IUA3Y2xYMHpk2KpkK9znUCxZnzX RY2Vh7k2toSjqsC6WGK3bXKUgJkTLV9hG1vZzraucLVtXJFa21i61XGinULyJqAuPLo1qsQV5wHU NQSDUiF5wh0tG3cnXJcZ9quqXeVuqZBcu77WDMW97XdxO03ajpe85b1rNhmL3eeSNr3FVa9u39ve 7dKVf00Nanzx+v9a45qXv/3dazZJG2CZCti9BDbwgBFc4ATD97/9vS5s2Yvf3Q70BJPV73OJ61u+ HljBHebwhxMMYgn7l8QlhvCI9ztf95o4r39NZYM3rGIWz5jGNbbxjXE847EmaLI59vGPgRxkIQ9Z ts0SFakKSmQlL5nJTXZyeQkz3SdPmcpVtnKQpXxlLW+Zy10WJwsikGUvj5nMZZ6yfGRmZjWvmc0/ Vlqb4RxnOZPXZW+e853xnGe6Duqn4tSzml0WaD8LmtCDNnShEX1oRSc60Iw+NKIdTehIL/rRlHZj pCFN10lnetOVZnSnL21pUYN61KVO9JYJEAFVi7PRWU51mFk913r/MhfWdb10PVXtTQHkup6uvrWY WR3oWjP31rp+9RqPLWZes9GNwYZtqmkt5VmLc9hU4HWzf01tMpOa26ZedLMm1SxCTeDS4ylUBErw p1iXYCW4SQG5JR0PlpDL3Fk9kJ3cNahu7voAg1oUHlvNbj9JttET4POfyGU0O5HL4HYylKDRvFiX sTu1ahx1GwW+qCRPvE/zhrefJ8W0jp92jfIGTqi7nXJvT1flLfd2BKzVAzmhtaCpthamErTrWcLP pI2e+a5wo1Y3AisefwzzVWVVYUEjYKt2WGMEfnWtmLYxYS7rgdADfdaEJ7BYzIr0LJuOgDDv/Fo9 p8LXbCgJE5gQ/2kud/vK4f72TcNcVonVqQOeLi1BlsmePpXT7/IeL86SEXZuXBKw7NCAs/70zakG qE4ONnaLsYRiUydAwnY98xP4GerGojaF60R0ZD/6ooLPidMvFy+dxOqdfTeW+ixmMUm8QO5xt33t aw911U8gAlIlqOOL5QATvDN4FcB47WA9D5C6DFYOMHy8cEqDCAzU+WEmXDcJwLB6qgv4g2zjCx6e faGjW1atpzs9xg54dNfB8o/uqTCTrC7yiy3VIZt66usALdDxmCPxav3tARDUcC8AFU33ACTM5u87 VK34eG2AaC/VVkbnhETsUm0CUmnohKSbVO1/cAkBbcn4Ls8jTP+gAXrN5v6IBNsozKgO6/7nAO1J Ac8P754vPZCt0GLvAFQwBW+K9yAwftZIkE6A9hrg/dQoAizQBQlwABuNuWLt1ppwCZ0wCqFwCp+Q 1QyQBtuIA53uCtXo+wTJ+VJQWgpA+qomB19oBjevnvLk2A6A/XZNad4J1kxQWHZN0CKg6tqoRYwv AvhHT1bwOxpA1Rrg+uQw2BhHbEavnvBw14Jn35ZEBepJ7wBOAAQJ+6pQCi+RCjFxE6dw1jgxE0Hx EzHxCmvOZQRpDwnGD9uovkBw19yGFGctYZIP67oPY+RDPuaEEV+ns7YvVlQgOHJwiMBQ9ySBEUNn FmHnFvMl/3L/0I3WzwVDbR5AsP4mcI1eCAFTMdZEzxM1sRtD0Rs5URTBcRy/8QlhsZ7OkBjTkBqZ MQXJZwhbqdekcQbB0ASbrlh4kOmKZWnUUPYIKOHEr/Cy0GJKoAEGyhJ1Cn5Qr9hMgKzkcOiMjtqM BPXmsRa1EQnFsRwzciPJkSM1shPPcZzozwDX8aRSCdaeMT0a4Gikz40W8RrD8GxYiIWscP/oLwV9 Q32wEA+pLv8IQBoekBJDZyYdjhvrL16wLxo9ogJykETELvUEkiS10SOSsiOt8iOfsAS1ciu5siu9 8itxDXFUkBKXcgFtJthKL6BwrSElJwLYEgO6sI0qEiqnsfMk/4EAAjEvIwAFUxCNtKUUVS3d4oUC SyYs1Yp/INEl/2gD9rIxVW0rnxH9SjCY6tEtvcMRlzImCegiFRAsPfMzQTM0RXM0udIAMWAE2REG s1EeP8IKrWXz+LAaK/CAkLEytY4vUw3XcA3/ilAFVU0PrY8WY7O1yjIFV6YZc7PZgo0DN7MZp681 dbD8rBHrpBIDO5M0sTM7tXM7ITN4nC8QB4oGqzM6AaQBGqD0JJMAlG+xwrP66LIEoYf3co1pMA4H 91I9U0T65E8QgTMg6zHV9EViknL+kCbX1qgUzQUE7zBgdm2NJmAlZdI80xI23xP4NtM6q5I7NXRD ObQ0jwZ2Bv9FSBJzPCsw9mSGjLrQNAPKYkYSKmXQHb3DFvkEpMKMo2QmHtjPBCuAXf4OEENQIMlz VF6gGc8JOOSDJYyzOGNT9TBFJyLgBVj0RJGyNrHxLKGtEpGzQ7V0S7PzCk2of3JN74It1diq60rQ WoBOFqcTSFPQBBAvWLqQWIqlCJVlWRCQJ48S6JyT64Kl+vwT15AO6Mj0TWXF69a0+tSxDsnyOrm0 UR0VNEkxQnwqLtHtUeoQ1/otQEmlCHsN6i6rm7Bm1S6LAntN8SqgB47sF+uwhjaL5OoPsTjLBHyT z7wuBdPGT+JyN1m1YCoABnQQN0g11fqtYhIL+9ZoGQloJx7/Mw+B1QMtVQUvK1cfdVqptQQhlKDW 6AXwKEtLc9UO4AUaVCt57T4xBwV9EzKz9VuTMzd3B1yX9dUE4AXc5V3XtQQRsC/FVdW0lfbeNQI8 oF5fLXnAdV0f81sblFu5tVoVdmE99Gyk79rsFWA7FWInNjdV7RCv8167FQGd00CzlGPPVTc/VmLt lWJ1c2Ml1mRxDTk5tlNJlmFhlkOvdQxz8Fw1FmATtikfNhATqMJYFl+/MmeBFjKBNmRdNmJL82iN 9miRdmmT82dPNmFjVlwttmrv9WqtNmuxdmu1to1m9mGVti9tVmSr9tX85XaIpQJIEGuftm3Zlm3x lWujNm7L//Ztu7Zu6VZj5TZk9VZs3TZvu5ZrBTdwCbdv2/Zw+ZZuEVdxE/fVxLAlDTdyGddvyeRa 6CRga9ZvF/dw8XZxG1dy/3ZzPxdwCZZ0x5ZzT3d0RXdyVxd1/7Zv7TZ28VZ2A7OAVGBIAXdsdfd1 Ka5iCkhZExd2/VZ4UzdrZ/d1hzd573ZvkVd2j5d5dzd6k1d6l1drBfd6rTd7B/dmrdBit/Z7C/fV eBZcdy0QMRd8W3Z7tddqrxZ9vZd94dd92/d9t3d+0zdw7Td+9Td/+Zd+j+0xATh9Bfh8CTiAC9hj /9djx/V+DbiBEViBH3iAA9iBExhkk42CDbSADxhzNxiDJf/4g8/Xg//3ghe4g0FYhFEYgic4ghW4 glc4g1UYhmMYgl0YZGe4hWkYh1n4hnVYhmO4hnfYh4O4h1/Yhou4hisYiVVYiXOYh5uYiIU4ihd4 hoHYiK24iJ14igV4ibNYh5lYipOYi59YixM4hHMYiKv4i4cYi6+4i934jeE4juV4jum4ju34jvE4 j/V4j/m4j/34jwE5kAV5kAm5kA35kBE5kRV5kRm5kR35kSEZks0XTDyACipZAC45ky15kzGZkzW5 k0H5k0XZk0k5lEt5lE05lVF5lU+5lVXZlVn5lWU5lmkZlm15ljk51QJRkBtAAHKgBTpAB3hgmIm5 mI35mJH/OZmVeZmZuZmd+ZmhOZqleZqpuZqt+Zp1QARaIAdeYJf9uAFyQAQYAAY8IAPM+ZzROZ3V eZ3ZuZ3d+Z3hOZ7leZ7puZ7t+Z7xOZ/12Zw9AAIYQJwFwJvzuJc7oAUyAAAQOqEVeqEZuqEd+qEh OqIleqIpuqIt+qIxOqM1eqM52qEzQAM6IKD5WJs7uqRN+qRROqVVeqVZmqMhoAPw0o13eaYFMQI2 gAFaoKV1eqd5uqd9+qc5ugUYwJtp2jEFOoYbAAZ0oAGAuqmd+qmhOqoxugF4gAbM04n1MqsFkQEY QKq9+qvBOqx3WgOGuqa1+qhVOBBFwAPEuq3d+q3h+qE9/0AEYhqpzboxs5oGRIAC4rqv/fqvoZoC RAAGzhqvc62osxoCchqwGbuxHTulWwACrhqx77qo97IBFPuxNXuzOXuiI1svDRuvC3uyMzujKWCf UTu1Vfuc+bqzXVuiI5sxQVurjdqwzbO0K3oDFFsEdKC3ecC3gVuYg/u3hbu4ifu4hzu5jVu5kXu5 nbu5oZu5s3mcf+C1rZuhP9u2bTsvRxu3JZoCIGAGXMAFasACzPu80Tu91Xu92bu93fu94Tu+3bsG XGAEIhulKeAH9PsHKCC/9XsDfgDAA3wDAJzABRwA+Lq/FTzBEbzBFbq1rfuzR1u7z1q3F1uiM0AE RsACFP+gwz38w0E8xEV8xEm8xE38xFE8xTvcAkagq0t6A14ABsDVA/7VA/z1xj2AuxvAwH8gAiAg BSAAAmAABoQ8yIn8x4NcyEEABIY0AwCcAjYAwh1bwkV7u608L70bojVcxbm8y738y8E8xGfAxTd6 A2BABAxABzhgzdl8zXlABFRABD5gzlugAfobnBkgydklBRgAARggBxigArhaqHMgBUqgBLgaASCA xktgAzQ7tqucuy970rP6ti8cohlgBMJ80zm90zfdAnQABDaaAkCAAwzg1FE91Q2ABwTdduwkAvob AkDAya86XiGABnJgB3pGfHecZ0GgBHIAAuSVqadcsif/XNLNU8dtOssb2gN0gMM9PdqlfdpDvAb2 2rQ3AM1Vfds7oAJyAAFyIAd2tL8z4J0I/KqN8NZz4NBFOtnd3Tw3gAAggJsFwNEbW8KR/d3znbst XKIZwAWoPeAF3tNHAAZMGwK2PeE5INzBnU88gK/B77J3fAMagFN2wNDJxcA1/twP25dhYC/vHQIo ntLPWtknG7MvvaEFuwYGvuVdnstdgMwrmgI8gAcSPuETANzFPQf6+wcM/bAJnA8ZoAQw/gAofuP3 u8fBLN5zPdWkPK7xneQl3t0l/rL7HaI9YAZefuu5fsSt/ekjGspb4OYTXgTAHQE+QAD4GgQ+oASu 4LJZ/yAF1r3Qc+AAWODoN97AG4AFWIAEC72Sib2vY1vHT57kTz4Qr/6hQUDTu77xux7UD3rmEZ7s t50DKiABHKCr+boCPqDQU2AA+L4BHiAHPgDt6+QC+H4D+j7vz93uCRzQtTUC/Hrwk33q9f32d5zZ F3rxHb/3Xx7yZ94DOoDyE/4DEqADaADBPWDNV6ADeOAD7D7uO6DNV0AEUoDvsT/7s5+rcwBZ1t0D NgLsw5r2cV/fbT/3U56hed/32T/ggZ+ifyAHiD/hOwADPoC/KUD+U90HsB8IGIbhkMPJsZLKZZLB +Aw/JdoH9igRPBkKoOv9gsPiMTncgmwajYi6zW7D4/+NDaRVBoBGij2/7/8DBgoOEhYSWiBaGA5a 6GTceVFE8BBVWl4OwQBQNFASiSQdsAhdIjExHXB85Ax1fHRwVICUrKR4QHBB6u6WnaXJAQfP1d3l LSpYkNyQIPYlPisiQycyUh8T1pCMjOhwdG+73FzzNT7qUphgqluKbFBQgLCjxBzEiGAmnDKRclRy OKz4AAJCjgoV0LxLyCUXr4ZjfAmLCIeOnTLGDmnocaIAxwInNOxp4XEjyR4WRJ5IObJAD0EkVpIY 98eCCx0dVqxIoFNnzhUddIS7Vu7chnvrjoIA8ANPP0xNLXFY8eQD1SdPWkAhwoHHCg4dOhgwAqNB hh//7hS++0Hhh1q2bB06hChRIsU7MPQw6tGR5cYCIBWIxIChwGCOJzkKJszRZKDAHFvI7OPC687K lnWCdRGt0FBIFDZU+NBiNOnSpkmDQOcghIkUIr6KECF6tmgGLZzkSJEDd47dBH/nTuGkAlitMMou RIu27YbmZpPDJSN3rrC6FvEKEvlYnIUbGmICXnxj/HgF3klo7/GdGSALe1luFjqDw+X6lr3FF9T5 zmctzf8DGGAGG5gFwA4yhBCCDAfK0GADBJhgwg4bbELgJhcmlEEcHjTggYcgwAABBAzkAAMNL/xA 1lpqbaJcWm6taJYHLxwXnRloUBeRdWRcFMgNHUHW/9hjgmjA0QeEvFTAaByBd00NBuRkn5Q86VAD Z45AkgEEGsDwWYBfBigJghsgqGADCjLYoAkEKMgaJw284MFCZLzTYhd1skWgWiDw6QEIHnrYYQNu zfhnnHCiYeMX0+Uox45j9AhIkYZlJ54yyvQxaUuDaEdCkkEec4MOUU455QpVHoLlHRnYgEMLAzY3 h6xpgPmDgg0uiOCBJihIwQu5hrCDgmwmKMMLJiBoQgQvvOAOW8mZVVZZKaam1oxc5iAiDDDEOW0D v4kIgZwQcOCBol2ckeJcv8SRxg/ElHEXp0bucYNpimj3HqgKaJoXfO55lB8jOpRaMJXi6KdqGRmQ gP/DDLNCTOus7iAboQm/IiiDhAuSWWyzEjrgwJnA8norrwh6cPELDXw2aFse/DAgWxwCCmiMGfjp 50BreMBAA+cCABG7OkKsxrsV8YgdINq1oMiPe4W0V1/7TnokkRz9pd1fnI1AqsGlohrIfmRkgIPD NvzX7qzI/WrCUgAo+MOuGlOgILI7VHygCmiiGcEPCKKjsbAaL+iBAxGuZsKgBG4wbZ1cmKXnQm7J qEYEDEWXbhsSS6wGu58PCm/S8waMjAbanYDvY4pYs0e/gujF0mixM1bIZF9/vYLSfow9RtkO75Ai 55ur9csLCKwsdwgoJltAsbw6UPeCe6N5YAgOTEj/d68NaGymA4QnqHi0kv8gwIgVvCbCaAyIG/N/ HthggwcUKqr5L/d7nj/+vxxdzO5+JMkvfHhaAVSnpKuxRBAEfA+TCnED+uDuaxxwgdgURqdWzcA/ soLDgF5gm7AYwStUqcAOBLAyDyRIBSbYwPdkUAAE9OpuMkAABR7hAbp9LwPfu2GEjPU9AmkIVlug ABWeEhZL8MBnZlGDDW7AoXNpboP4m8PwONe/eP3PGbE7AXiSlLrwKKkZzeDDpERQKdmRJnb7CkTX Ioi7GVTQHAt7gQ0e1rnNRQABRlRHBxhAA8gJKmWsMZzimscaZiFgQRRInLGQpaAXpOkFOINVilhx /5QiGEAEkgwi/MxVPwhELmJU1J8orzi6QQRQdls0IEdIUgCE8YsjKhBb7GAZy9IpkGBulKCVZmJB MjTAbMJrVwRM0INLWiIFA9oBs2a0AUiSpQF/ElbIbrWaBrUpAybLgMY0lAYQjK8FyPRHO2I2IL9B EZSk7FwVIUYB0UEqiwCM3V4w8MV8vadJr/vDPuvVka0B4nb1yYEESqCT3lgmADCQQA7sswIK+lKO dGrADkZ5xxdkZZxEYEAxIRknZsVpRjuIwEg5dKgG8EpCKlhZgxAAN42tTEPgdAcpNDqEHjCgUDDo zc9slK52AnV4poznIpahgaN+B2GeWipTN7MMT//5yFO23ANTBzEC+/S0Cw94x04kMCcAbCAA9cli 78TQoRpGLlaWq4BTQnjESzCgP7KKwDOXBdI47WCkO5gRWUg6hxnVEG+saZwaygKDSxhhBT3AyWKN KAK3EoEHEm1IC2AQK6BOLLMEggHSxiCvyIA2tIcwQH0OAIAMBICgudBJALowgQTkgGUZaOh9BFbW LzQgBw6ogG0Q4ITSGGSPIPSHES4x0+ZkQEOSbA6HLHdXZnqoWdNyjvCYO4cMGEUrJ1gBBvphBAx8 RSsc6C4GuNsPT8LFfrRaLxWrKLGhiiFSop3vfGsAQctw4bU60cQPdGKuBuwkB1xYwGU60Etn/BL/ DBDowU2EqxWoYEAdwm3BEiU2vzQMiCyNgxWc3sDeIGJYUBkAgRGjEkLIQrYVKzjBibMaF1ysl72X DVB73QHP+MqTvjo+hgs6cJkcbAICAe6CTh4Bgsr87MiW6QBEETxZMMTDu+Mcb4mbQoniFqFchNVQ h0AczbQNKLnI3XI0gwin5jAgwkVg8Va60Q0D8EDK4v2uAWaAOcrCIK0WjbGM1wvfMMh3x4JehAu8 dtAuiPXQFNCJVisTAQAc4DIPjejCPKHREHaDfTTYKVjA8pTxWhYYvzCzmS9b2FNz0EM468GnjRBn 9oGIAQ4eb3f7gQufgjLGNaYxr3/AWbvkeNDC//5DoX/8DhjsxAdETsDPPFCZR9CgwE0mR4IVDAss i5e4Q+ABBEIEAwaA6LFyDguQk2tub4aZg6cOM7s3bO4fzI8CMMBycXnQgRJ1m1sgKA4RWiBnETyZ Fz+d8Z7BBKA/QznYw164AnpcHwGcVqxd2oROJNCFAegE4gCgbWUmzbtqh+Fbj7V3C8RdhDgXN9+5 yVaJeGDpInRgWzsAAQ12AIMShKgE4QqXCXbe8xRAAOg7D1cKQtSB7mbZCL8BetFfAAIdFKEOkc1B wAWeZ4Nj/Uu+7iyOB7GM8sxkjHto3QCVMVVpTCMaaReYw3+cVQocgAs78SRZGi1tSkPCA9mCgf8W uiBN2zjB1SLwANBzEBsG8D0H2H4rCG8iAhV8wAGR/4BBDMKAyofGIJSn/G45/woVyLkpHGhBbmxT 9BERoKbf4pKcgBa0XGc99gS6MaDlSYIP7KUHTQLj1j6VKY0AqUkoUYlKIDN8V65RATXwsX0u4IED 9Iaryf4ZBQiQ6AIfmNpVD8P2g3xEnw2ERC0oPAxcvlFZbwWTxQ3htVG+la10IM6Wfr9XvhLeKodL Njin0S2IkBTXL8rVyV7WbR2wSQoDYQ0faA0f+F7UIGDWIIZiDElgFMZi+JLBKBuAuREP2BbIwQUE GECm6V3RRYDedRsEmF9Y2Ib6yNq28QmIeED/BISZuzXOf+DMiIiL5XxIiDhY03GLB9AAQRAACA7B /wEgusDeABrcO3Fd7f1BALWAp+QLeCwgVQ2JAkChFHZETJxOC9DOaMQE0yDVdwBCG13GTu0XF0Sb G5GVB/LCsfWbAAgdCMwcA+gctnmDbIxGB7QACLSBmUVTmaFaIO6giNgGv1kCiWwLBNCAbnyABzWF iwFgZXmJEtbKr13HH6RHHzCNA/beFWqH1SCDGnHiFXqi7TBfZQhYJABABOySx31c93lGDTXAYcEZ B8BACnwAcPxJTfkDHzpBuHjbthBjMRpjiIRLDmjACsbfUbQAjXRbb3zADpTAT8CZLKYXjFki/5jI WxMmHO/8Ux8EkAF94gEBTAHs3qQUkAKaIhgxQHeMh8CYhy5ZxgBMgAAcwARcXwRxQPZpX3TUEJf5 CQzcQz98AIeUAAPoxrek4CV0gPqsjxMwwDJqgDJaZEVipETaxmh8wGvEGTKVCPmhiBD0QwtoATZa XVptI4AwoQGK4xY6A0xWIRYOyY/YU3wEECx1IjsmRjgG1H3tkpToThw5REB2iM6IiDiFoAE8I5yk QEK+nzrYRGx0JGlo5FVeJWnExlbGn4NdwhmciDSZHAdAwJ9owZ35VJespHMwTjf6jx8Q0O5ZQF+E YQJa4QGN40s2kAPuCz755AUG5ZT0I1Huwv87JNdR8kmIOIEnFNdWeqVWPKQeWiVWSuRtWCZWYMVs cOXiqQMPqI/7DcEZlOVJTiKMmYVKHhzjRE5atWQm9kFcvmZHiMNM+p5NnoAt5SQ7HpButsBTsUcg CFRgFliO3dYYGKaGAAqIEMQTvBwyGcFD1gZWXuR0ViSJVOdEUmZmvoZXnthSZhL78J2KTKJa/sdp qmatsKVbuiY5nMBg7IsXkSMDDokFxA5Apcdm7OQpLoIZCudOnIo8jp0bfkFymNtR+smWMMBjOacr rE+27Ny2vGCESuiEUugihstviUBzOsUZ8F1yoSWurQXjaJ2ekKh5qgXtgcFnlSIu3QAp3tL/plgA 7gkQGNUOAfVlO84kZ8yAoQXlqZydkwHkEJnbgSYodwJjvv2JWQbKup3buZFFk0Kpk+JMhyhngmpo WOgA6fnhFhwhuqjlaYLpeYqoiboDJp7Sa25RC2hAX/QAwswlR4iABsjobdZLmq6peKzojaIRaQBo vYxKf66ACPgj3gFgQO7gMMKAWRaWh1bdh4LBV4mBoxqqzrwgoDxpl4LBGYToarKliebJp6qFmRLV H9yAjOZefNRAX3QEnQ4QPXXEB+RHfoLRe3wRI4wAUEZQB4xAn/4jpvrqrwJrWm5qmIKqp5Koep7p E85OO9ZLF6rp2SVDaeweAx7V7pHAGI4h/6FBSQR1hcL1arCCa7iKqxdQIqiWaLESq7V0QPepqH7o BQYwAMMxXA3cKo9KmjcMasKg5Ljya7/uQgZ0AMyk67mCKboWBXp1HWfUp7zO63zchNfgxAoYwAhM myEUp79ibMaWgQcAHOW4hZ54bMiCKQUs43pyhtgx7LDRxDboANTpADj86JXsq8bSrL8u47CCbMFS Ts7CiAAEbLKmbNAuwjPM18XW7NH6qwcEbIyIbNM2LQBAAMB5lrcKbdUKm9EibdaCK3ZBgFI47dc2 LQWUXMAFmtWa7cJhrdaqLaaOhteC7dtSzjswgA4gbBeU7dni7Y6l7dryraJ4wGi8CNwKrv9ayBsP VNZJyhvV5u3iCoUOPGmUQm7kSu7kUm7lWu7lYq7legBn6YCAMe3gCi4n1EGGmp/iMu7pjpbLqe7q sm7ruu7rwm7syu7s0m7t2u7s6oD6QAD1ge6ztMVaAO/v+m6GFBYEmC7qIq8vzU+jMG/zOu/zQm/0 clBCCG/wWq/whu7vAm+dtGvyeq/F6sBZuMj4km/5mu/5om/6qu/6sm9bDK71lm/1Ci8AdO/32m8F scz16q/87m//8u//+m8AA/AAC3ABD7D2oi8CA3D/rgX9Hu/9om4j5C/hUnBaWPD2VjAGX3AGc/AG e7AGg3AHh/AHi3AJk/AJG/AHky/hLgeY9z4wBDOuBCuECY9wDdPwDaMwDttwDvPwDsNvArPv+C5F /cIwDDeC+AZxEivxEjNxEzvxEyeEAxfxFFNb/kLxFWNxFmvxFqOFFFPxFB8xF4vxGJNxGY+vF3+x ETuuGbNxG7uxE6NxGt9vObxxHdvxHZ8xEcsx8kpwi+DxHwOyGcfxHntvGAfyISOyFg8yIfOxIyTy IydyEAAAOw== ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://global.msads.net/ads/550/0000000550_000000000000000037808.gif R0lGODlhtACWANUAAGymxIy50LTQ4GOiwXywy4S1znSsyF6evwAKdABmZsTa5lqcvTBAkXd3rvP4 +hUphdXk7uvy9pq4y+Dt811vq5GwxPz8/Iajx1dmbm2Gt0RaoE1NlHeNmQUGBxMTFGV5g3VeThER cIeirxAREXuWwbS00ztGTC02OiIiekpKWZWVvzMoXCAmKhENYgkLC+C0OQ0ODxccHyIbX5BzSbSQ QkKOjgISefD2+v7+/qnI2p7C1ZW90gAAZgAAAP/MM////yH5BAAAAAAALAAAAAC0AJYAAAb/wJ5w SCwaj8ikcslsOp/QqHRKrVqv2Kx2ueh6v+CweEwum8/otHrNboOJbvHh0J3b7/i8fs/v+/+AgXsL d4SAhF50YnBxX3SCkJGSk5SVgohvQ5Z6AwcDn6ChoqOkpZ6loaeooKqrrq+wrK+etHxEm3ixuru8 vb6/vbV6t5udoAADAMrLzM3Oz9DR0tPU1dbRydbJpMIHxJPGotfKBgDl4+jpz+fny+Xs5urQ8O3M orSd3kPAoczvBgABEghIsKBBgwMPKlyIkOHChAEhQnzokGDCiQCblSLC75M/gQRCihwpsgDJkydN olwZ0gDLlzBJqlQZc6VLmSNpTtQoiuMv/2TkAmZ4QLQoUQYZCBQgYbSpBqUFTGowaqPo06gmKTAg WvVBVQpQCVBoWhQpVgIaupI1mWFr0wsE2q5lWhQACbUAosY1CuCCWqoZAHD4kGEbsk8+fX0kAIAB AhuQI0cmsUPDYxuXJWsIEIAAA8gIQoOGTIEz2tCiMyPIUCCAAcyjM9sgEGCpZMk8KBSgcBszA7Gy MW92/JhBAcu+add+8BiBbuS9bSCrgWFBtlCJYwF1BzJDZq6SM+y47VUygx0BoFddD1oDeg08Inst j5kCegrfb69+fxk1Ah4PEHBXZP5dQEJ/BfoV2QUBlLdaADtUFplxFyCIWm4AfUABB9kANf+ATx6G aJhh/oRUgAGO1VdABRfQl4EOl21WQQCfCadDBaA9kMGMA2L2YoWRlVZBBfRdcGOOJPAomZFAVkXC BVBCuQN+kD3wpJTIIcDAlRdUdtl5Eiypgw4KQmZklhREaaBIBizgTDJEKHOdnHRutxhUB2L2QAU5 5FDmAzpI8NgDFwiQgw4OGkklAhr0mUOPNgSgA5U2uNfngFruMGlzjfaZAWgMHIqmDoeOKWpzLzq6 Q4oIkDCmqYk++mWfq4KWgZ/ySYpebXoF9AxHItJJYjMCRUVjcxTkYGiWGQjAW6UCRPupb2PmamgO rCarg2Qk9KlDWph1i+hlFyirQ42t5jD/XpUBOOrot6jd+i6r3b7bHAOkMuvpvToIAF2yh0bIa0sZ NRNnOiAp92cF0RIZ2aHzSaCAAtiCRoKznCorAKQML8pAtIZG2a0A3kGmgQLRYoqvsxNKMOOMjoLr nKOGbtBcvcpWcLOhNdpQqATMPcYw0JO5XACDAycUDzMHowNSa6teRgHIWTaggHdaulxBlhtAHBnD NT+WmwDbgvZzBRKkLYGyObg4ZIuYtSoA0VUSCDDG9Wm8bLzRKsubljooEGaV0UKXAcqUSobAnkn7 avAQ4/xjImdlVppBBjI/IIEAKXZF4J4KNJCxAAr4Ra4Cz2qZA5FGMVDB1ZIVZTfpiadm/8MOhuLN qN7+QsbDrdHu4NVqKGNKQentkQ50cKGV1nhG9TRtTURKQQgugbCFZvW0cV+mYw4UM2fmxDlkqYGh 4iNwgQLExX0+thaipkGhCiA6IQP4I9VntIs2CrLuU5NWaEJFu8usLWiaK2CV8oe/AqCHJgR5nBCq 8Y+nOZAA6fOPaAJYowdsRTKvu1rGJoajycDON3MDz/h6dBTzTCx099IYzXJXst39b1EBbJuPUKaA tKhOdDtUQAmGZ4OL0UpgA4vgO5QhvWlYpHoB8BgFpjjFDNDvLqFRVgnQBIFziUYFKMObDRhAsc6R AGU5WNQGCrczAVTudfAb3/9yJ6326P8NdahJ1sYGFTj02eB3RHMO6USIma5da0wPhKCv2hGnJToy HgUxUWta1EaQvTCOCFAABPAImcNhTXUTKwG3RDhA8KHMjMgrJfnE9wDw5UlLpPufDEkGGkOCbFoz E0B5jke6Mm0tNIAiHyrfpYNEEmyR8WgkJJdZwadxxmO4410vQTWxQLZSADbr5MTE+DHOoeqFeRpj 2LRJuhoeL44hWN8c59g/8MUSh26MTL9I1wDf/K2I23zl+foWMM4oEnpLJEJFngiV5djKXWxbVnxs 0CzUtUeI4qvUFK/XKsFFdAMZmGL61gekxfVRl5GRWDgfQIGMmpRMVRyL755U0ikSqFD/6Pofcj4o yDB2TgMZpSJl/KkShgh0oNQzVsmq0i6EKutP8yyS4GATHVAuD3vZIyCawoipNXozOjzQgASg0x/X qQdUuNITyMa1HsBRVTW32aleBoIRgvx0oCXBStBW461DzSuPxUNNqCgGHw3qVW8U4IFf/0MoAeBI NJvjmWB/58bBogZKfuUBAyRwIA1KllTEGdtR/VqovjFAsIM9D09HspC3OoStkqRLA1/F2hsxcG3O wp+OQJZGBuIPp7zLAeZsywAKJLYt+GtWwxjYL63wFn/JAm7+cLo54y73RW7UQP7WdtTbBvd/FThu /rrEq38exLQUiStWOCOp1rKWMxLY/8G7JGCqOdaVVLPcX6lYuz9DBSpQCB0Te9lm1FJ5i72vqq9d 3UVbUxk1wKTKnbdIxVqB7ao2pG0rQMDbkJtIkrwR0pSGEVlMUzGYwApepyyNSkfa9i3EJDax3hKK 0BJfS8Qv5m9/6Thjd71qV2slmIQFylaX+Bi1FoZKayCU4WJKgMgd3kF69cvgtL2qBCve74FtDF9H UbdPV7Zy2vJbZSkfir1ejrGBbUzd+5LZy/9VG3uRmDQ29bjHRHjzj38sE2NxJsMVwAALPpDhCGHg BBUYUwrYq2cTnODQgDaUCE7QAQ98gJj0lYAJMABfHfyZA336wAmuLAEMjKADLMA0lv8n3ScRmODR mT4BCw6NandVwNB8snIKTiCCHGBg0Aw2dQdckAI+kUoCsz40C0xQASSehSQ3mXOcayJeDGf4A0LA QJ8r0AFA60AEPVDyrD3Qg0NjYG0f6EAKPhCDDvjavDrgQA9aje11r24ELIBvBU7gaAx0G77QxrSl e1Dr1XkABikwQQf4beMTCCHWfVJ3DzDdA0qTigMuOAEHDP6BV6k7Boj+AITIe+yYLJvZQh6ywEQQ cRhUPMP25kCEBK7fCrCABWjrFwc6gAFlpaAH505yMV8e630vPN38/rXA+YRtSudAAi9fG7VNYNd8 B2ro7iI3vTltcBdg2gWBvjavCf3/8zGdAAYiUPKMjN1xmHw8JiYZ753R44EU2FsEHUY6zG/UARNY vAMcgK/clSUBVTe4mJpSt7R/7QEWjIADfWfB2q7dA7sfHW2HwnbFdQBtuB/9BDEgFbVT4C6Sf8DQ V545o0XwakSaAOtj+kCvx0Ryaff5wVjRyUvO/pK025nIEBdBAFiQedO7AO4uVzzrG24qpGeebG8P 2Osv4IETaCpQMUgByUWQghj4+ugpGHgM8n6oCvQgBWNS9+Ql3YHydzvQ3sJADNJG/D5VAAYY4MD2 HQ/soP+9AuUuf93ZHPu0m4gltMcStmdnO8B8LCACHAADdsd6vJZ662Z6HVBrrNcB/6gmASNwAg2W YQEQbnkXfgsneTT3YepCfT0Ac4eCARHodR6AfiJQdxwgfybogRggAinnLdBWAR/AAihIKiRnApoi AaS3ZtA2gyJAerB3FrIHgENge2GhF04Ye3cWACbQA7s2cA63b8A3dBGydACmA9nHMJRnf4CHZ7wX IWNiAh4AhKAWge73Af2GbfRXd+xVdK+CgpZXeItXAdwGAy5QfiJgKBLQfJRXeL2nbnm3AxxweGMy by6QXhrIcd2FhEz4hEQgiU04gGq3gQ33glPYgfgXA4HXcI7odK8SA8JHh4jUZwEgfmbYgjU3c43H YND2aJaGd4cyi0/3e/rVfHwifv9CNwIf8IIxAAOxZog5AG3uRn7FVgERF2g7UHTpdWQPFon9d4lN WIn9l439R14BgG0poGE3x4J9OBjVtmTMuH6vEoh4B22bloFbWG7FVkzZV2sKp285cHMmQH0093z2 lgIcMIWTt28dyAJsKJCl0gHWd3QekJD2loJ9R4EfMALWp19TeAImcJHFxo3auJH9h40cmY3cyAEY UF6U9wEAJgEfgAEqiQHO+IzB2FoiqZIm6Y7ogYMcACHF9AGTl2cmWSo0uJKI9yo/qZIqh0iDEWgo yWeBopP7ZWnc55ThF39rNpQziGcpuZIsiWM89ZHa6JFc2RpDtnEb5mHolopF9nz/CNZar/eIRWZe 85WWZfl3YxmXATZf7/KWHHZjZriWu6KVX5mNXvmX3HiWZcmXfFmYY4hE6LGWdKmWHKZhZ7mXkJmX jRmXkGmYGjiNW/mXWFGJtfGZYAman8mNREaYl5mYmDmXepmZYsmYaHljgJdkk5makRmbr1mZskmb bAaJvCKaofmbARCYHDmag+maunmcqqiZa3eYyNmczjmbl0mbRLZxpPmbnEkEpJmd2hmFz9mcqEmd Ylma3Tme5Nmd4LmdxImenIGdwAmc6imeqRmeiwmfr3ee6Fmei+lgrJmc+Kmf0zmfypmdYdmeoomd 70kE+rdrLgADMDACDjoCHhCh/xH6oBTKoBbKoA/qARD6oBbqAh7qoQp6oRQqoSRaoiQKoRPqoBpK oSy6oSpqojAKoyraog7aoB2qf1RoBO+5nkOgnkLwA0CKA0GKA0RapEZapBZwpEq6pEX6A0TqpE/K pFJ6pBZQpVZ6pVU6pVq6pVy6pEnapEIKpGL6A0JwoD2qnT8apGr6pFDapVLaplEqpkLKpnDqpnZ6 p3hqp1DqpGPap2W6nQZKmmkqp306p0Zap2x6qIUapmPKqEMKpkqKqHfaqFP6qHnap5LKp5i6qX+a ndgJoMG5qYWqppYaqZvqqHt6qkMqp4yap67qppSqpY0qqrTaA/IJIQY6nz1Aq/+niqq8iqi/Gqx0 GqzEWqzGeqyziqy2CqpEwJq7KqzIGq3JmqrSWq3Weq3Rmm3++alE9qzRyqYq8Fk8EAIbAAGrOqrY 2qTYyqo4wAPuOq4bUALDuq6Y6qvFuqz52ax95q3SGgEo8K7vWgL0OrDICrDvqgLEqgIb0AD2SrB+ upb6mmH8eqw4YAHiSgEQgAMRAEYO27G/6q4MCwH/GgLECrIey6vauq9DcJYTe6wl4K4UkKVIerI0 O6YmiwMN4K4lywMNULOcGpnNOoYtW6w4IK4RUK84gE08sAEKYLM8664bMAElEAJLe7Ri6q4lsAHj irAVqwL/mht9CrI8C6QRoLX/S9u0m2qyP5CzPOCkFuC1MOu24vquPWu2TDumbBsCCHut2ZaYRKBz Q1usVMsASYqpEOCuVMsDEGABQGqwkgWwG+C0KBACiSuwPzCuX8uwV5u4PeuvmOuui4upJju1ucG4 lxsCmSukFPC1IcAAKhABn6u4jBtYkhUCPcu3OqcDf7uXgbuzDCCqWhsCEUC1kdu4PKACFuuuyGu2 kgukxAuke6u1KOC0FBCkOSu8a7u0aQuwtsuo0csDKNCkIJukDYC9ORu57coDJZCkVmutPWCbO/C3 HNa7wequ07upVBuzgUWyxqsAFsC2EfC/Onu1Y5u9POCobOu0lvsDVMuwOPCy//wbtga7t32awAR8 u937wONqvBtgqLibl7v7KvT7q1R7v6I7thZ8uTyLs+4qpCmswrdrwXD7rgpMwI67vXU7wND7tToM w8ZrsECatxTsvh3WYfIrwtZqthl7wj2bwiZrwS+stgnMtg0grk7bAKbrrgzQAFzMxTj8A4ervoxL xVZ8wY27xV18uz+gAokbsx/MWkc8JiPMqy+rvZjawNkbwU88wFE8thawvwwsxn2sxv/awR+7wjhQ yM4ryD2stihgyMDbw9L6vq0Vx7p7rXYrABoLRhYQvMNrxz4MxY08rhEQxpGLtZ08ymrMtv6rsa0s wbdLu8a7vsxLwG6cs60cAf+tbLl1jK2UDMdDwGByXK0VGwFzG7A4EMaJa67G28R8PMoGK7BmO7mq HKSeC76fpcZXDKR1LM32m7hj+rUo8Lr2m82N2wIX68vCfCjya1dzzKtda7ZLm7E4oABau0aFG8rP 3LYXvL+WW7aS1ctmbM3lC7WajKpqq8KRC9AMINBAqgBfqwI4m7hrRKRmm8Ef7F9EYFfDnK5hWrFC aqXUWrArPNIi/at0mqXSetJDms+a+gMqPa++7F9yHMwD9s4+e8janNM8TbDve5dD0AEfdsk9Xa0J XdRIzbcc3Scb7S44ndTbDNVSna11xc427c5TndVafbI9YFRN7ShPvdViPdb/nOrVQ4BQYU3Waj3W XY3WZ+3Ua63WRx3XYtrWTv3WYK3Vcz3We03Xdg3WQxBiae2wfV2sCqu513rYQlrYa93VCpYDX83U el3A0srYxqq2lk3Wf60sRHBikD3ZO32smb2ztzvaYt0DJ2YoTZ07g02wmP2084y3iIu8x8yzb/u1 1XvFUJuxyQuwVBzIxZu9JrzVbf1inf0/rT2wmJ24Wly4tMsA3bu6iOu6p5u6mwuwhIsD0j2urrvH Bwykn4W8DYvUqD1HnZ1QyU2vr+2/ZjunqKyxTzq+0Auk0uu07N3C8W3bMJzMWKuxoKvZLCYAxw0y 6b2ur724Dg21HuzDFTzK/whezT6cyGP7suE73uS9TsetMQWOra/dsw4txFG9xjzMz838Aw7N4CDb teD7x2Cr2SYm4IGN3KBd4ifOxjCbxQVMxtV84h0OpGH8ya982hge4wQ+4z584vStw2pLtes7yCYO 4Tcr4dfr0sQ95EJg3kY+ujrMy0peuipMyzs+ym6c0CowrqXrwg2wwFJd3shN5NGy4dfa4wmOznEL pOKssN8c5iT+A3d+sxYQxjyAtgw+1WxO4G4u4Fk+4Tp80Q780BHN0Dyu6HsO0cqrtkQ6slVa4lld 6G8e2DyE6HS9qEhL5TCd6UQL0ryqyI0dLZ/e2WGkAHAe6h3bzXHdA59OOv+uHkuxLuvpagEK8K6/ W+uxpOtD8Omwzutk/etLOwGmq9a2Pki47um6juxinelf6tfDjjJEwEMTs+vU/u3V+uwvJAADJwTG 7u3gnu7GKu6DtO0vdOzqHu89bevvDuvFzu3oLu/6jqn0vk32bu7vnu/7PvBkWu//3u/dTvAKP7AI 3+33/kKBuwUSP/EUP/HB2vAHX+9DKwQ+0PEe//EgH/IiP/IkX/Imf/Ion/Iqv/IgP6iiivHuDvH8 zvI0X/M2f/M4n/Mtj7IGH/MJP6Y9oPNCP/REX/Qs37sw//A/D6Qcb/RO//RQr/MuD/Q9X+ybtEn8 GvRRv/Vc3/UlH/ETc/X/Ga9JE9MBjKr1Xp/2ah/ySFDzES/2mkQEm0T2Wb/2dr/2PZAAer/3et/0 Kv/2Ye/w5g4BV1/3d3/4US8EfL/4fY/2Jw/2hK9JECD3kq8AZl/XiJ/5RZ/3jN/5e+/4JA/4Vz/5 Vl/4QK/5qJ/znO/5rA/6Ii/6hT8EkU/4hj/yNJACMvCuKzADHe+4IAACBrsCIg/87kryL5ACLcAD LZACL+Dx7goCHU/8Hn/8yb/8ze8DxA+wwu/7K7/6rN/5rs/2L0/4oy/35D/5pz/yKfCuLbACK8AD wu8D7tr+7j8D2e+u8Q/yye+uvA8EPuHQJ+PxVsfWS3gECUHHoRGpZEaP/9mVT7nyzohhcS9RNp/R 6Z443Pu94e8eRAGxQ3r5+R0fX7NnjmSYhgid2Hie2F6UeEzYUo6YaFoSmyx9sIQieSYrFS9BD9lI h8jMBH52KizKKm5wIirQ/krd4uD2+PTm6uxu5UgrO0lHwzDFImUCicMqU4YiW0KhpHyeo3mmh4yN S8fOdCxqcnBwElhzyC1mz2rZgHF173j5+nKLkYRosngu+2lwA3UsESMeYAiC0sQF00JjC6n9yxLw m6kzOCaUiXAulpkIN2h9i+fHHh499uK9I3Jki48XK4ZdauFlBSEuA4cwY2JEhpiH1kY5RAaRoSht NG1WPFUGh4IyCn4kaP9qRsE5dyJx5SpZb5cfUlRsCsXZZKwPEyyTSApj5JGQsz2LVvNXxNGQtyuR eato0QzGMrAS/AD516oZlW2yytl6sis+QIIIiUU01mC/I9CIYAHDDOHZaS8qtdXsg9nAbsj28i2T Y1y5cxVwqGPdzjDWxPN+nZwAYXfKUpx4yIAJ9KgXUWN1TrFWiEoWuD74Wab4ojlkvEZnGk/tY+lT CxIgtEIXwYIsNbaz7tnNm+t636VopGjeoq1lfWTFGGkphBnFzMOa2SetFfyDopIWxjqtn/2USkOj CBw8z5bEfphjvd702E3D97br0MOKjMDswxE/XKqGCmoIj7YIEzgMsdv/NNxQN97uCYbEG0c0CCEc eSTFxAksmGBFFl0kYqRcNKSRlwmYZM+rHqGMUsoSWayySCMp7KHJJpfkjUkOpwxTTDG7qzIkpbL0 0sslmfzyyTHhjJPHMs1sMbUj5WizTTb3fFPOPwG9k04H89gOzwr1/DJDPcEM1NFHjRzUnSvHyDLR Cfh00zFIOeVU0kI9PFTLRDPF1M9OUQWUF15IFPXSUlOiNNVZaW3DVVIzjIDJCEaStdZfUa2QQkR1 nUBXXoo9Nj1gmf1V2GF7SFbRPHStFk9Qm8320TyGlaNaY3nN1dosVy3X3HPRTVfdddlt19133+02 lmjBNRbZCPDF99BuwPnt199/AQ5Y4IEJzjLfg+9FuOCFGW7Y4Ycf5vXgfBNWGOKLMc5Y44GjnVhf PTwOd+ORSS75YmpDrjjfG7g12eWXYU4s3I9SBvkGmm+mueWYee4Z45lzxllnPW4o2uiji4ZX6aWZ btrpp9VFWuqkiZ7a6quxzlrrrbnu2uuvwQ5bal7ELtvss9FOW+2uyV7b7bfhjhtuXhyo2+678c5b 77357tvvvwEPXPDBCS8cb6gRT1zxxRlv3PHHIY9c8nODAAA7 ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://moneycentral.msn.com/inc/images/nav/gradient_lrg.gif R0lGODlhAQAiALMAABBmnw9lng5emQ1moAxVkjqDsBFnoRVqox5vpleTuCp3qyl/ug5jnEyNtwAA AAAAACH5BAAAAAAALAAAAAABACIAAAQTcKVWFDoGgBDA0CD4bV3ACAJBRAA7 ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: text/css; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://moneycentral.msn.com/inc/winstyle.css BODY { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; FONT: 10pt arial; COLOR: black; PADDING-TOP: 0px } BODY.pmpage { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; BACKGROUND: white; = PADDING-BOTTOM: 0px; MARGIN: 0px; FONT: 10pt arial; COLOR: white; = PADDING-TOP: 0px } TD { FONT: 10pt arial } PRE { FONT: 90% "Lucida Console,Courier New,Courier" } A.navtop:hover { COLOR: #cccccc; TEXT-DECORATION: underline } A.navtopstd:hover { TEXT-DECORATION: underline } A.navleft1:hover { COLOR: #000099; TEXT-DECORATION: underline } A.homenav:hover { COLOR: #d0d0e0; TEXT-DECORATION: underline } .author { FONT-SIZE: 10pt; COLOR: #993300 } .contents { FONT: 8.5pt tahoma; COLOR: black; TEXT-DECORATION: none } .contents:hover { COLOR: #000099; TEXT-DECORATION: underline } .dateline { FONT-SIZE: 8.5pt; COLOR: black } .fyistyle { FONT: bold 9pt tahoma; COLOR: #000099 } .graygobtn { BORDER-RIGHT: black 1px solid; PADDING-RIGHT: 1px; BORDER-TOP: black = 1px solid; PADDING-LEFT: 1px; PADDING-BOTTOM: 1px; FONT: bold 11px/1.2 = tahoma; BORDER-LEFT: black 1px solid; COLOR: white; PADDING-TOP: 1px; = BORDER-BOTTOM: black 1px solid; BACKGROUND-COLOR: #666666 } .heading1black { FONT-WEIGHT: bold; FONT-SIZE: 13.5pt; COLOR: black } .heading1 { FONT-WEIGHT: bold; FONT-SIZE: 13.5pt; COLOR: #993300 } .heading2 { FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: black } .heading5 { FONT-WEIGHT: normal; FONT-SIZE: 22pt; COLOR: black } .heading3red { FONT: bold 11pt/150% arial; COLOR: #993300 } .heading3black { FONT: bold 11pt arial; COLOR: black; TEXT-DECORATION: none } .heading3black:hover { COLOR: #000099; TEXT-DECORATION: underline } .heading4 { FONT: bold 10pt arial; COLOR: #666666 } .heading4gray { FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #333333 } .heading4black { FONT: bold 10pt arial; COLOR: black } .headercategory { COLOR: black; TEXT-DECORATION: none } .headercategory:hover { COLOR: #000099; TEXT-DECORATION: underline } .homenav { FONT: 8.5pt tahoma; COLOR: white; TEXT-DECORATION: none } .intlnavtop { FONT: 8.5pt tahoma; COLOR: white; TEXT-DECORATION: none } .investorgrey { BACKGROUND-COLOR: #cccccc } .navlefthighlight1 { FONT: 8.5pt tahoma; COLOR: black; TEXT-DECORATION: none } .navlefttdhighlight1 { BACKGROUND: white; FONT: 8.5pt tahoma; COLOR: black; TEXT-DECORATION: = none } .navleft3 { FONT-SIZE: 8.5pt; COLOR: black } .navleft3highlight { FONT-SIZE: 8.5pt; COLOR: #993300 } .navleft3highlightblue { FONT-SIZE: 8.5pt; COLOR: #003366 } .navtop { FONT: bold 8.5pt tahoma; COLOR: white; TEXT-DECORATION: none } .navtopstd { FONT: 8.5pt tahoma; COLOR: white; TEXT-DECORATION: none } .normal { FONT: 10pt arial } .normalgold { COLOR: #cc9900 } .normalitalic { FONT: italic 10pt arial } .normalloose { FONT-SIZE: 10pt; LINE-HEIGHT: 150% } .normalred { COLOR: red } .pushbutton { BORDER-RIGHT: black 1px solid; PADDING-RIGHT: 1px; BORDER-TOP: black = 1px solid; PADDING-LEFT: 1px; PADDING-BOTTOM: 1px; FONT: bold 11px/1.2 = tahoma; BORDER-LEFT: black 1px solid; COLOR: white; MARGIN-RIGHT: 0.2em; = PADDING-TOP: 1px; BORDER-BOTTOM: black 1px solid; BACKGROUND-COLOR: = #666666 } .rL { COLOR: black; TEXT-DECORATION: none } .smallfont { FONT: bold 8.5pt tahoma; COLOR: black } .smallprompt { FONT: 8.5pt tahoma } .tableheader2 { BACKGROUND: #cccccc; FONT: 8.5pt tahoma; COLOR: black } .taxnavtophighlight { FONT: bold 8.5pt tahoma; COLOR: #99ccff; TEXT-DECORATION: none } .smallfontred { FONT: bold 8pt tahoma; COLOR: red } .smallfontblue { FONT: bold 8pt tahoma; COLOR: #003366 } .smallfontwhite { FONT: bold 8pt tahoma; COLOR: white } .smallbutton { BACKGROUND: #666666; FONT: bold 8.5pt tahoma; COLOR: white } .smallest { FONT-SIZE: 7.5pt; COLOR: black } .tablebackground { BACKGROUND: #666666; COLOR: white } .topnavmctable { BACKGROUND-COLOR: #004d81 } .TOPNAVMYMNYTABLE { BACKGROUND-COLOR: #004d81 } .TOPNAVINVTABLE { BACKGROUND-COLOR: #004d81 } .TOPNAVBNKTABLE { BACKGROUND-COLOR: #21612e } .TOPNAVPLANTABLE { BACKGROUND-COLOR: #731e02 } .TOPNAVTXTABLE { BACKGROUND-COLOR: #281d55 } .TOPNAVPFTABLE { BACKGROUND-COLOR: #004d81 } .typeme { FONT: 10pt "courier new"; COLOR: black } A.leftnavitem { COLOR: black; TEXT-DECORATION: none } A.leftnavitem:hover { COLOR: #1d593f } A.leftnavtask { COLOR: black; TEXT-DECORATION: none } A.leftnavtask:hover { COLOR: #1d593f; TEXT-DECORATION: underline } DIV.leftnavtask { PADDING-RIGHT: 4px; PADDING-LEFT: 8px; PADDING-BOTTOM: 4px; FONT: 8pt = tahoma; WIDTH: 100%; PADDING-TOP: 4px } DIV.leftnavbody { BORDER-RIGHT: white 1px solid; BORDER-TOP: white 1px solid; DISPLAY: = none; BACKGROUND: #d8eae3; FONT: 8pt tahoma; BORDER-LEFT: white 1px = solid; BORDER-BOTTOM: white 1px solid } DIV.page { PADDING-RIGHT: 15px; PADDING-LEFT: 15px; PADDING-BOTTOM: 15px; WIDTH: = 100%; PADDING-TOP: 10px; HEIGHT: 100% } DIV.pagedlg { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; WIDTH: = 100%; PADDING-TOP: 31px; HEIGHT: 100% } SPAN.emphasis { FONT-WEIGHT: bold } TABLE.leftnavhead { DISPLAY: none; BACKGROUND: #72cca5; HEIGHT: 21px } TABLE.leftnavhead A { FONT-WEIGHT: bold; COLOR: white; TEXT-DECORATION: none } TABLE.leftnavhead A:hover { COLOR: #cbe6db; TEXT-DECORATION: none } TABLE.leftnavblock { BORDER-RIGHT: #5bae86 1px solid; BORDER-TOP: #5bae86 1px solid; = DISPLAY: none; BORDER-LEFT: #5bae86 1px solid; BORDER-BOTTOM: #5bae86 = 1px solid } TD.amt { TEXT-ALIGN: right } TD.leftnav { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 6px } TD.leftnavhead2ndcell { TEXT-ALIGN: right } TD.leftnavhead1stcell { PADDING-LEFT: 6px; MARGIN-BOTTOM: 6px; TEXT-ALIGN: left } .adheader { PADDING-BOTTOM: 2px; FONT: 9px verdana; TEXT-TRANSFORM: lowercase; = COLOR: #666666; TEXT-ALIGN: right } .blip { BORDER-TOP: #cccccc 1px solid; FONT: 70% tahoma; BORDER-LEFT: #cccccc = 1px solid } .blip .bliphead { PADDING-LEFT: 7px; FONT-WEIGHT: bold } .blip .blipcontent { PADDING-RIGHT: 8px; PADDING-LEFT: 8px; PADDING-BOTTOM: 14px; = PADDING-TOP: 8px } .boxoutline { BORDER-RIGHT: #999999 1px solid; BORDER-TOP: #999999 1px solid; = BORDER-LEFT: #999999 1px solid; BORDER-BOTTOM: #999999 1px solid } .bulletcat { FONT: 8pt Arial; COLOR: #3d8a6a } .footnote { FONT: 8pt tahoma; COLOR: #6c6c6c } .leftnavtitle { FONT: bold 8pt tahoma; COLOR: #3e886b } .leftnavpane { PADDING-RIGHT: 0px; PADDING-LEFT: 10px; PADDING-BOTTOM: 10px; WIDTH: = 129px; PADDING-TOP: 10px; BACKGROUND-COLOR: rgb(216,234,227) } .leftnavpane TD { FONT: 8pt tahoma } .leftnavheadercell { PADDING-RIGHT: 10px; PADDING-LEFT: 10px; PADDING-BOTTOM: 10px; = PADDING-TOP: 0px } .leftnavcell { PADDING-RIGHT: 10px; PADDING-LEFT: 10px; PADDING-BOTTOM: 5px; = PADDING-TOP: 5px } .leftnavcellhi { PADDING-RIGHT: 7px; PADDING-LEFT: 7px; RIGHT: -1px; PADDING-BOTTOM: = 4px; PADDING-TOP: 4px; POSITION: relative; BACKGROUND-COLOR: white } .leftnavcellhi A.leftnavitem { FONT-WEIGHT: bold; RIGHT: 1px; COLOR: #3b5459; POSITION: relative } .modulemargin { MARGIN-TOP: 1.5em } .modulebody { BACKGROUND: #eeeeee } .modulebodylist { BACKGROUND: #eeeeee } .modulebodylist .selected { BACKGROUND: #eeeeee } .modulebodyalt { BACKGROUND: #cccccc } .module .colhead { BACKGROUND: #cccccc } .module .colhead A { COLOR: black; TEXT-DECORATION: none } .module .colhead A:hover { TEXT-DECORATION: underline } .module TD { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 3px; FONT: 8pt = tahoma; VERTICAL-ALIGN: top; PADDING-TOP: 3px } .modulefoot TD { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 6px; = PADDING-TOP: 6px } .modulebodylist TD { BORDER-TOP: #cccccc 1px solid; BORDER-BOTTOM: white 1px solid } .moduletitle TD { FONT-WEIGHT: bold; COLOR: white } .moduletitle TD TD { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = VERTICAL-ALIGN: bottom; PADDING-TOP: 0px } .moduletitle .big { FONT-SIZE: 150% } .modulesep TD { BORDER-TOP: white 1px solid } .moduletitle A { FONT-WEIGHT: bold; COLOR: white; TEXT-DECORATION: none } .moduletitle A:hover { TEXT-DECORATION: underline } .smallpromptlist { FONT: 8.5pt/150% tahoma } .thermohidden { DISPLAY: none } .thermovisible { DISPLAY: inline; FONT: bold 8.5pt tahoma; COLOR: black } A.foottab { FONT: bold 11px tahoma; COLOR: #eeeeee; TEXT-DECORATION: none } A.tab:hover { COLOR: white; TEXT-DECORATION: underline } A.foottab:hover { COLOR: white; TEXT-DECORATION: underline } A.sfl2:hover { TEXT-DECORATION: underline } A.sfl2 { FONT: 24px tahoma; COLOR: white; BORDER-BOTTOM: #2680b4 1px solid } A.tab { FONT: bold 11px tahoma; COLOR: #eeeeee; TEXT-DECORATION: none } TD.tab { FONT: bold 11px tahoma; COLOR: #eeeeee; TEXT-DECORATION: none } ha.tab:visited { COLOR: black } ha.foottab:visited { COLOR: black } .foottab { BACKGROUND-COLOR: #004d81 } .navtophighlight { BACKGROUND: #cccccc; FONT: bold 8.5pt tahoma; COLOR: black; = TEXT-DECORATION: none } .navtoptdhighlight { COLOR: black; BACKGROUND-COLOR: #cccccc } .navlefttablebackground { BACKGROUND: #555588; COLOR: white } .navleft1 { FONT: 8.5pt tahoma; COLOR: black; TEXT-DECORATION: none } .sfl { FONT: 24px tahoma; COLOR: white; BORDER-BOTTOM: #2680b4 1px solid } .sfl2 { FONT: 24px tahoma; COLOR: white; BORDER-BOTTOM: #2680b4 1px solid; = TEXT-DECORATION: none } .sfb { BORDER-TOP: #2680b4 1px solid } .tab { BACKGROUND-COLOR: #004d81 } ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: application/x-javascript Content-Transfer-Encoding: quoted-printable Content-Location: http://moneycentral.msn.com/inc/helppane.js function CPaneHelp() { var = fIsMSIE,szMe,szHost=3Ddocument.location.hostname,szLctn=3DString(document= .location.href),szAgent=3Dnavigator.userAgent.toLowerCase(); var rxHelp =3D new RegExp(); this.IsNS =3D (-1 !=3D = navigator.appName.toLowerCase().indexOf("netscape")); this.IsMac =3D (-1 !=3D szAgent.indexOf("mac")); this.IsAOL =3D (-1 !=3D szAgent.indexOf("aol")); this.IsWin =3D (0 < szAgent.indexOf("windows")); this.IsIE4PC =3D ((0 < szAgent.indexOf("msie 4")) && !this.IsAOL && = !this.IsMac); this.WinName =3D (this.IsIE4PC) ? "_help17" : "_help"; this.Window =3D null; this.Path =3D = szLctn.replace(/\w+:\/\/[^\/:]+(:\d*)?/,"").replace(/\?.*$/,""); rxHelp =3D /MSN\x20[^8-9]/i this.IsMSNE =3D rxHelp.test(szAgent); rxHelp =3D /(MSN\x20Companion|WebTV)/i this.IsMSNA =3D rxHelp.test(szAgent); rxHelp =3D /MSIE\x20[4-9].+win/i fIsMSIE =3D rxHelp.test(szAgent); rxHelp =3D /MSN\x20[8-9]/i this.IsMSN8 =3D rxHelp.test(szAgent); rxHelp =3D /billpay\.msn\.com/i if(rxHelp.test(szHost)){document.domain =3D "msn.com";} if(this.IsMSN8) { szMe =3D "money_msn8"; } else if(this.IsMSNE) { szMe =3D "mc_msnev6"; } else if(fIsMSIE) { szMe =3D "mc_ie4v6"; } else { szMe =3D "mc_dlv6"; } this.Url =3D !this.IsMac ? "" : document.location.protocol + "//" + = szHost; if((null =3D=3D self.name) || (0 =3D=3D self.name.length) || ("msnMain" = =3D=3D self.name)) { self.name =3D szMe + String(Date.parse(new Date())); } } function DoHelp(szId, szTpc) { var = W,H,szWD,szQry,bScrnW=3Dscreen.width,bScrnH=3Dscreen.availHeight,bSearch=3D= false,szUrl=3DmCPH.Url+"/inc/phframeset.asp",szFile=3D"",szKey=3D""; if((0 =3D=3D phid && null =3D=3D szId) || (null !=3D szTpc)) { szFile =3D (null !=3D szTpc) ? szTpc : ""; } else { szKey =3D (null =3D=3D szId) ? phid : szId; bSearch =3D true; } szQry =3D "?tmt=3D" + escape(window.name) + "&v2=3D" + = escape(document.location.search) + "&v99=3D" + escape(mCPH.Path); szQry +=3D (bSearch) ? "&SEARCHTERM=3D" + escape(szKey) + "&S_TEXT=3D" = + escape("For help with this page, click a topic:") : "&TOPIC=3D" + = szFile; if(typeof v1 !=3D "undefined") { szQry +=3D "&v1=3D" + escape(v1); } else { szQry +=3D "&v1=3D" + escape(document.location.protocol + "//" + = document.location.hostname); } W =3D ((bScrnW <=3D 800) && !mCPH.IsMac) ? 180 : 230; H =3D (mCPH.IsWin && mCPH.IsAOL) ? bScrnH - window.screenTop - 22 : = bScrnH; if(mCPH.IsMSNE) { window.external.showHelpPane(szUrl + szQry,W); } else if(mCPH.IsMSNA) { top.location.replace(szUrl + szQry); } else { szWD =3D "toolbar=3D0,status=3D0,menubar=3D0,width=3D" + W + = ",height=3D" + H + ",left=3D" + (bScrnW - W) + ",top=3D0,resizable=3D1"; if(mCPH.IsIE4PC && (null !=3D mCPH.Window) && !mCPH.Window.closed) { mCPH.Window.location.replace(szUrl + szQry); } else { mCPH.Window =3D window.open(szUrl + szQry,mCPH.WinName,szWD); } if(mCPH.Window && !mCPH.IsMac && !mCPH.IsNS && (mCPH.Window.opener = !=3D self)){mCPH.Window.opener =3D self} } } var mCPH =3D new CPaneHelp(); var phid =3D 0; ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: application/x-javascript Content-Transfer-Encoding: 7bit Content-Location: http://moneycentral.msn.com/inc/articlesinclude.js function SetArticleWindowWidth() { if(document.body.clientWidth < 650) document.all.ArticleWindow.width =650; else document.all.ArticleWindow.width ="100%"; } ------=_NextPart_000_0000_01C3C49F.8BBBA300 Content-Type: application/x-javascript Content-Transfer-Encoding: quoted-printable Content-Location: http://sc.msn.com/global/scr/lg/hdr35.js function getMSID(){function getMSID(s){var s=3Ddocument.cookie;var = i=3Ds.indexOf("MC1=3D");var c=3Ds.substring(i+4,s.indexOf(";",i));var = m=3Dc.substring(c.indexOf("GUID=3D")+5);l=3Dm.indexOf("&");if(l>-1)return= m.substring(0,l);else return m;}} function getPartnerId(){var s=3Ddocument.cookie + ";";var = i=3Ds.indexOf("mh=3D");var = p=3D"";if(i>=3D0)p=3Ds.substring(i+3,s.indexOf(";",i));if(null=3D=3Dp)p=3D= "";return p.substring(0,4);} function logoImg(s){document.write(" $3D\"go$ ");} ------=_NextPart_000_0000_01C3C49F.8BBBA300--