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To: Earlie who wrote (261144)	9/19/2003 10:09:19 PM
From: Joan Osland Graffius	Read Replies (3) \| Respond to of 436258

Earlie, During the last couple of weeks I have been getting at least two calls a day to refi my house. These folks must be getting hungry as I have never had these type of marketing calls in the past. I tell these folks I do not believe in debt and there is total silence on the other end of the line and they hang up. <g>

To: Earlie who wrote (261144)	9/22/2003 10:49:19 AM
From: who cares?	Read Replies (3) \| Respond to of 436258

9:40 FED'S OLSON SAYS INCREASE IN CONSUMER DEBT NOT A CONCERN And earlier this morning Bernake was dispensing knowledge left and right 9:13 BERNANKE SAYS BUDGET DEFICITS HAVE BEEN `POSITIVE' FOR ECONOMY 9:13 BERNANKE SAYS DEFICITS MUST BE CUT `IN THE VERY LONG RUN' 9:13 BERNANKE SAYS DEFICITS HAVE HELPED GENERATE SPENDING DEMAND 9:11 BERNANKE SAYS FED WILL RESPOND WHEN INFLATION DOES ACCELERATE 9:11 BERNANKE SAYS LOW INFLATION MEANS FED CAN WAIT TO RAISE RATES 9:07 BERNANKE SEES LIKELIHOOD THAT INFLATION WILL FALL IN 2004 9:07 BERNANKE SAYS U.S. MAY SEE INFLATION RATES IN `LOW 1%' RANGE 9:02 BERNANKE SAYS BUSINESS SPENDING `WILL KEEP GOING' IN 2004 9:02 BERNANKE SAYS `SIGNIFICANT' BUSINESS INVESTMENT IS UNDERWAY 9:00 BERNANKE SAYS CONSUMER SPENDING WILL STAY STRONG INTO 2004 9:00 BERNANKE SEES STRONG GROWTH, WEAK LABOR MARKET FOR NEXT YEAR 8:56 BERNANKE SAYS U.S. LABOR MARKET NOT RESPONDING `NORMALLY' 8:54 BERNANKE SAYS 3RD QUARTER LOOKS LIKE `VERY STRONG QUARTER' 8:54 BERNANKE SAYS GREENSPAN FORECAST WAS `RIGHT ON THE MARK' 8:53 *FED'S BERNANKE SEES `DEFINITE PICKUP IN GROWTH' IN U.S.