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To: Teresa Lo who wrote (32)	11/19/2002 9:03:52 PM
From: cog	Read Replies (1) \| Respond to of 170

Teresa, What do you think of HD?

To: Teresa Lo who wrote (32)	11/19/2002 9:25:01 PM
From: Teresa Lo	Read Replies (2) \| Respond to of 170

They're HOWLING! It's within hours of full moon! aa.usno.navy.mil LOL!

To: Teresa Lo who wrote (32)	11/19/2002 9:34:04 PM
From: Davy Crockett	Respond to of 170

Gud

To: Teresa Lo who wrote (32)	11/19/2002 10:09:27 PM
From: Graystone	Respond to of 170

Invest or Confidence Investors are shaken, icons of respectability have proven to be less than truthful. Numerous problems have surfaced regarding the relationship between investors and the markets. The current market conditions might well worsen if investor confidence crumbles further. The carpet is red but very little of the red came from the veins of brokers or advisors, it comes from investors. The SI welcomes will continue to be hot and I admire your courage in stepping up. I would be interested in hearing your views on the evolving investor/advisor relationship and what changes you expect. Normally I would say something here in attempt to add levity, I will forego that to have a small sip of coffee.