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To: oconnellc who wrote (11762)	12/10/2001 12:59:13 PM
From: Maurice Winn	Respond to of 74559

Chris, I am happy to borrow at 0%, all you have, but only if you agree to lend it permanently at that price. The reason I don't want to borrow US$ at 0% to buy Jacob's theory or shares is that I think the shares are likely to decline in price and interest rates rise. So I would be left with a depreciated asset and high interest rates with not enough earnings to cover the debt. If shares go down quite a lot, then I'd be thinking they would be worth buying on borrowed money. Mq