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To: Elmer Phud who wrote (180494)	3/29/2005 11:23:54 AM
From: Amy J	Respond to of 186894

RE: "Overall the cash flow" It certainly helps, though am plowing it right back into the market which has been painful. RE: "My expectation is that the overall market will be flat for the foreseeable future so premiums and dividends will beat the overall market, in my estimation." I think that's why large companies are issuing dividends. It's acknowledgment the economy struggles under this country's leadership. But Greenspan was heard muttering don't get complacent so maybe (humor) we're being optimistic by expecting a flat market - why can't AG speak clearer? I mean, really. Regards, Amy J