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To: pat mudge who wrote (1723)	2/17/1998 8:55:00 PM
From: Spots	Read Replies (2) \| Respond to of 8545

Pat, I can't disagree with that. If you have a market making connection (which virtually all these guys do), you should have to disclose what you're doing along with your comments. In fact, since you said it, I'll say you've fingered my (personal) opinion of the proper function of government regulation of commerce, to wit: (1) Say what you want but you must prove what you say or clearly label it as opinion; (2) you must disclose everything relevant to what you said in (1), opinion or not. That's it. Scrub all the other rules. Of course, I may have to eat part of these words if they ever come down to a proof of the pudding; but since we don't seem to be in any danger of implementing them, that seems unlikely. Now, aren't you sorry you gave me the opening? I generally try not to impose this sort of stuff on people, but fail in that effort from time to time. Regards Spots

To: pat mudge who wrote (1723)	2/17/1998 9:05:00 PM
From: TLindt	Read Replies (1) \| Respond to of 8545

>>>I don't think the analyst community fully understands the power of these public forums to influence opinion. My opinion........he's been reading these posts....went out and bought Quicken98.....found out all the billers that were in there...prompty $hit his pants. Downgraded the stock, and bought all day long. It's a $60 buck exercise, buy Quicken 98, sign up for online billing, go take a peek....in Quicken98 you find the MS billing customers, Checkfree customers, along with everybody elses potential 'customers' in there, and 'pilots';......ain't no secret. They are coming, the billers, so are the banks.....it's happening now..and the pace is quicken'ing.....and will for some time to come. Big rip.......buy low.....sell high.......All IMHO. How's that, spend $60 bucks and the secret is gone?

To: pat mudge who wrote (1723)	2/18/1998 5:15:00 AM
From: Roger Bass	Read Replies (1) \| Respond to of 8545

Pat, there are enough people out there trying to make money running financial information services that I would consider it a 'racing certainty' that sooner or later we will see a service such as your exposure.com. Such a service is perhaps more likely to do well by simply rating analysts for reliability, ie statistical correlation of their recommendations with 3, 6, 12, 24 month stock price moves, say, rather than 'j'accuse' finger-pointing.