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To: NJ Investors who wrote (8873)	11/16/1998 5:05:00 PM
From: Urlman	Respond to of 10786

1999: RETURN OF THE YEAR 2000 (Y2K) STOCK Subject 23721

To: NJ Investors who wrote (8873)	11/18/1998 8:40:00 AM
From: NJ Investors	Read Replies (2) \| Respond to of 10786

Market Opportunities:Fed fears millennium freeze at top banks by from RICHARD THOMSON in New York If the recent Long-Term Capital Management hedge-fund crisis looked like a threat to US financial markets, consider the possibility that the computers of New York's top 20 banks might freeze up, and you can see why the Federal Reserve has been sounding nervous lately. The Fed is not the only US authority worried about systemic market collapse resulting from the Y2K bug - the millennium computer threat. Concerned voices have been raised in Congress and Merrill Lynch is throwing $200 million (£120 million) at the problem while Chase expects to spend upwards of $250 million.