<HEAD> <TITLE>"Comment Why now?"</Title> </HEAD> <BODY> <A NAME="pgtop"></A> <A HREF="indexc.htm"><Img Src="flconts.gif" width="24" height="24"></A> <A HREF="index10.htm"><Img Src="fllarrow.gif" width="24" height="24"></A> <A HREF="index12.htm"><Img Src="flrarrow.gif" width="24" height="24"></A> <BR> <IMG BORDER=0 SRC="index11.gif" width="442" height="342" > <HR> <A NAME="pgbot"></A> <BR> <FONT SIZE="-2">Published by Lotus® Freelance Graphics® </BODY>