-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: keymaster@town.hall.org Originator-Key-Asymmetric: MFkwCgYEVQgBAQICAgADSwAwSAJBALeWW4xDV4i7+b6+UyPn5RtObb1cJ7VkACDq pKb9/DClgTKIm08lCfoilvi9Wl4SODbR1+1waHhiGmeZO8OdgLUCAwEAAQ== MIC-Info: RSA-MD5,RSA, kZ6iMEx9ObcmHBUkmXBvBzx+v+RB7Fyw58hyqQhvfyZOUtEFjbCHE21aqI0InYpB Xrlq7ymAtKIvu9j3txjnbg== 0000031348-94-000002.txt : 19940328 0000031348-94-000002.hdr.sgml : 19940328 ACCESSION NUMBER: 0000031348-94-000002 CONFORMED SUBMISSION TYPE: 11-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 19931231 FILED AS OF DATE: 19940325 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ECHLIN INC CENTRAL INDEX KEY: 0000031348 STANDARD INDUSTRIAL CLASSIFICATION: 3714 IRS NUMBER: 060330448 STATE OF INCORPORATION: CT FISCAL YEAR END: 0831 FILING VALUES: FORM TYPE: 11-K SEC ACT: 34 SEC FILE NUMBER: 001-04651 FILM NUMBER: 94517860 BUSINESS ADDRESS: STREET 1: 100 DOUBLE BEACH RD CITY: BRANFORD STATE: CT ZIP: 06405 BUSINESS PHONE: 2034815751 MAIL ADDRESS: STREET 1: 100 DOUBLE BEACH ROAD CITY: BRANFORD STATE: CT ZIP: 06405 FORMER COMPANY: FORMER CONFORMED NAME: ECHLIN MANUFACTURING CO DATE OF NAME CHANGE: 19820602 11-K 1 1993 11-K Securities and Exchange Commission Washington, D.C. 20549 FORM 11-K ( X ) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (FEE REQUIRED) For the fiscal year ended December 31, 1993 ----------------------------- ( ) TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (NO FEE REQUIRED) For the transition period from to ----------- ------------ Commission file no. 1-4651 ------- A. Full title of the plan and the address of the plan, if different from that of the issuer named below: Echlin Incentive and Savings Investment Plan B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Echlin Inc. 100 Double Beach Road Branford, Connecticut 06405 1 Echlin Incentive and Savings Investment Plan Index December 31, 1993 - -------------------------------------------------------------------
Page ---- I REQUIRED INFORMATION: Report of Independent Accountants 4 Statements of Financial Condition 5-6 Statements of Income and Changes in Participants' Equity 7-9 Notes to Financial Statements 10-13 Schedule A - Schedule of Reportable Transactions 14 II SIGNATURE 15 III EXHIBIT A - Consent of Independent Accountants 16
2 Echlin Incentive and Savings Investment Plan Financial Statements December 31, 1993 - ------------------------------------------------------------------- 3 PRICE WATERHOUSE [LOGO] REPORT OF INDEPENDENT ACCOUNTANTS --------------------------------- To the Participants and Administrator of the Echlin Incentive and Savings Investment Plan In our opinion, the accompanying statements of financial condition and the related statements of income and changes in participants' equity present fairly, in all material respects, the net assets of Echlin Incentive and Savings Investment Plan at December 31, 1993 and 1992, and the changes in net assets for the three years ended December 31, 1993, in conformity with generally accepted accounting principles. These financial statements are the responsibility of the plan's administrator; our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these statements in accordance with generally accepted auditing standards which require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by the plan's administrator, and evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for the opinion expressed above. Our audit was made for the purpose of forming an opinion on the basic financial statements taken as a whole. The additional information included in Schedule A is presented for purposes of additional analysis and is not a required part of the basic financial statements but is additional information required by ERISA. Such information has been subjected to the auditing procedures applied in the audit of the basic financial statements and, in our opinion, is fairly stated in all material respects in relation to the basic financial statements taken as a whole. /s/ Price Waterhouse - ------------------------ Price Waterhouse Stamford, Connecticut March 22, 1994 4 ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN STATEMENT OF FINANCIAL CONDITION December 31, 1993
Growth- Maximum Money Fixed Echlin Oriented Growth Market Income Stock Employee Stock Fund Stock Fund Fund Fund Fund Loans Total ---------- ----------- ---------- ---------- ---------- ---------- --------- ASSETS Investments, at fair value: Mutual funds $5,963,246 $12,839,874 $2,674,299 $ - $ - $ - $21,477,419 Fixed income fund - - - 32,042,625 - - 32,042,625 Echlin Inc. common stock - - - - 23,454,369 - 23,454,369 ---------- ----------- ---------- ----------- ----------- ---------- ----------- Total investments 5,963,246 12,839,874 2,674,299 32,042,625 23,454,369 - 76,974,413 ---------- ----------- ---------- ----------- ----------- ---------- ----------- Receivables: Employee contributions 106,725 191,921 27,464 328,735 114,202 - 769,047 Employer incentive match contribution - - - - 226,669 - 226,669 Employee loans - - - - - 3,355,683 3,355,683 Echlin Inc.-employee loan repayments - - - - - 155,303 155,303 ---------- ----------- ---------- ----------- ---------- ---------- ---------- Total receivables 106,725 191,921 27,464 328,735 340,871 3,510,986 4,506,702 ---------- ----------- ---------- ----------- ---------- ---------- ---------- Total assets 6,069,971 13,031,795 2,701,763 32,371,360 23,795,240 3,510,986 81,481,115 ---------- ----------- ---------- ----------- ---------- ---------- ---------- LIABILITIES Employee withdrawals payable 128,526 102,101 24,760 713,523 428,200 - 1,397,110 ---------- ----------- ---------- ----------- ---------- ---------- ---------- Total liabilities 128,526 102,101 24,760 713,523 428,200 - 1,397,110 ---------- ----------- ---------- ----------- ---------- ---------- ---------- Net assets representing participants' equity $5,941,445 $12,929,694 $2,677,003 $31,657,837 $23,367,040 $3,510,986 $80,084,005 ========== =========== ========== =========== =========== ========== ===========
See notes to financial statements. 5 ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN STATEMENT OF FINANCIAL CONDITION December 31, 1992
Growth- Maximum Money Fixed Echlin Oriented Growth Market Income Stock Employee Stock Fund Stock Fund Fund Fund Fund Loans Total ---------- ---------- ---------- ---------- ---------- ---------- ---------- ASSETS Investments, at fair value: Mutual funds $3,554,284 $8,284,068 $2,326,197 $ - $ - $ - $14,164,549 Fixed income fund - - - 26,096,413 - - 26,096,413 Echlin Inc. common stock - - - - 15,085,747 - 15,085,747 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Total investments 3,554,284 8,284,068 2,326,197 26,096,413 15,085,747 - 55,346,709 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Receivables: Employee contributions 77,030 138,835 46,681 398,837 80,586 - 741,969 Employer incentive match contribution - - - - 103,350 - 103,350 Employee loans - - - - - 2,805,910 2,805,910 Echlin Inc.-employee loan repayments - - - - - 152,054 152,054 Sprague Devices, Inc. Thrift Savings Plan 564,059 1,234,719 61,569 1,103,100 129,124 - 3,092,571 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Total receivables 641,089 1,373,554 108,250 1,501,937 313,060 2,957,964 6,895,854 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Total assets 4,195,373 9,657,622 2,434,447 27,598,350 15,398,807 2,957,964 62,242,563 ---------- ---------- ---------- ----------- ----------- ----------- ----------- LIABILITIES Employee withdrawals payable 19,998 32,099 21,095 78,912 35,194 - 187,298 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Total liabilities 19,998 32,099 21,095 78,912 35,194 - 187,298 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Net assets representing participants' equity $4,175,375 $9,625,523 $2,413,352 $27,519,438 $15,363,613 $2,957,964 $62,055,265 ========== ========== ========== =========== =========== ========== ===========
See notes to financial statements. 6 ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN STATEMENT OF INCOME AND CHANGES IN PARTICIPANTS' EQUITY For the Year Ended December 31, 1993
Growth- Maximum Money Fixed Echlin Oriented Growth Market Income Stock Employee Stock Fund Stock Fund Fund Fund Fund Loans Total ---------- ----------- ---------- ---------- ---------- ---------- ---------- Investment income: Net unrealized (depreciation) appreciation in fair value of investments $ (17,989) $1,326,245 $ - $ - $6,630,815 $ - $7,939,071 Net realized gains on sales of investments 8,836 152,437 - - 274,843 - 436,116 Interest and dividends 838,986 458,042 61,168 2,329,841 472,811 - 4,160,848 --------- ----------- ---------- ----------- ----------- ---------- ----------- Total investment income 829,833 1,936,724 61,168 2,329,841 7,378,469 - 12,536,035 Employee contributions 1,037,399 1,792,068 398,007 4,165,556 952,327 - 8,345,357 Employer incentive match contribution - - - - 776,669 - 776,669 Interest on employee loans - - - - - 298,930 298,930 ---------- ----------- ---------- ----------- ----------- ---------- ----------- Total additions 1,867,232 3,728,792 459,175 6,495,397 9,107,465 298,930 21,956,991 ---------- ----------- ---------- ----------- ----------- ---------- ----------- Employee withdrawals (274,316) (348,475) (71,818) (2,242,782) (990,860) - (3,928,251) ---------- ----------- ---------- ----------- ----------- ---------- ----------- Net transfers between funds 173,154 (76,146) (123,706) (114,216) (113,178) 254,092 - ---------- ----------- ---------- ----------- ----------- ---------- ----------- Net increase in assets 1,766,070 3,304,171 263,651 4,138,399 8,003,427 553,022 18,028,740 Net assets at beginning of year 4,175,375 9,625,523 2,413,352 27,519,438 15,363,613 2,957,964 62,055,265 ---------- ----------- ---------- ----------- ----------- ---------- ----------- Net assets at end of year $5,941,445 $12,929,694 $2,677,003 $31,657,837 $23,367,040 $3,510,986 $80,084,005 ========== =========== ========== =========== =========== ========== ===========
See notes to financial statements. 7 ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN STATEMENT OF INCOME AND CHANGES IN PARTICIPANTS' EQUITY For the Year Ended December 31, 1992
Growth- Maximum Money Fixed Echlin Oriented Growth Market Income Stock Employee Stock Fund Stock Fund Fund Fund Fund Loans Total ---------- ----------- ---------- ---------- ---------- ---------- ---------- Investment income: Net unrealized (depreciation) appreciation in fair value of investments $(224,369) $ 209,668 $ - $ - $ 6,078,497 $ - $ 6,063,796 Net realized gains on sales of investments 11,360 135,427 - - 54,512 - 201,299 Interest and dividends 472,629 390,328 70,888 1,994,642 434,939 - 3,363,426 --------- ---------- ---------- ----------- ----------- ---------- ----------- Total investment income 259,620 735,423 70,888 1,994,642 6,567,948 - 9,628,521 Employee contributions 610,581 1,126,489 416,834 3,928,653 703,510 - 6,786,067 Employer incentive match contribution - - - - 503,350 - 503,350 Interest on employee loans - - - - - 277,983 277,983 Transfer of assets from the Sprague Devices, Inc. Thrift Savings Plan 564,059 1,234,719 61,569 1,103,100 129,124 - 3,092,571 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Total additions 1,434,260 3,096,631 549,291 7,026,395 7,903,932 277,983 20,288,492 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Employee withdrawals (122,323) (353,182) (180,565) (1,542,527) (1,341,594) - (3,540,191) ---------- ---------- ---------- ----------- ----------- ---------- ----------- Net transfers between funds (37,892) 196,553 (55,175) 151,770 (507,110) 251,854 - ---------- ---------- ---------- ----------- ----------- ---------- ----------- Net increase in assets 1,274,045 2,940,002 313,551 5,635,638 6,055,228 529,837 16,748,301 Net assets at beginning of year 2,901,330 6,685,521 2,099,801 21,883,800 9,308,385 2,428,127 45,306,964 ---------- ---------- ---------- ----------- ----------- ---------- ----------- Net assets at end of year $4,175,375 $9,625,523 $2,413,352 $27,519,438 $15,363,613 $2,957,964 $62,055,265 ========== ========== ========== =========== =========== ========== ===========
See notes to financial statements. 8 ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN STATEMENT OF INCOME AND CHANGES IN PARTICIPANTS' EQUITY For the Year Ended December 31, 1991
Growth- Maximum Money Fixed Echlin Oriented Growth Market Income Stock Employee Stock Fund Stock Fund Fund Fund Fund Loans Total ---------- ----------- ---------- ---------- ---------- ---------- ---------- Investment income: Net unrealized appreciation in fair value of investments $ 311,782 $1,731,638 $ - $ - $2,005,466 $ - $ 4,048,886 Net realized gains (losses) on sales of investments 14,831 129,999 - - (279,405) - (134,575) Interest and dividends 284,552 323,608 111,373 1,739,329 414,432 - 2,873,294 ---------- ---------- ---------- ----------- ---------- ---------- ----------- Total investment income 611,165 2,185,245 111,373 1,739,329 2,140,493 - 6,787,605 Employee contributions 469,823 828,449 387,533 3,771,813 709,931 - 6,167,549 Employer incentive match contribution - - - - 363,543 - 363,543 Interest on employee loans - - - - - 240,095 240,095 ---------- ---------- ---------- ----------- ---------- ---------- ----------- Total additions 1,080,988 3,013,694 498,906 5,511,142 3,213,967 240,095 13,558,792 ---------- ---------- ---------- ----------- ---------- ---------- ----------- Employee withdrawals (285,883) (556,486) (303,515) (2,536,876) (669,936) - (4,352,696) ---------- ---------- ---------- ----------- ---------- ---------- ----------- Net transfers between funds (73,484) (110,267) (42,850) 159,041 (45,922) 113,482 - ---------- ---------- ---------- ----------- ---------- ---------- ----------- Net increase in assets 721,621 2,346,941 152,541 3,133,307 2,498,109 353,577 9,206,096 Net assets at beginning of year 2,179,709 4,338,580 1,947,260 18,750,493 6,810,276 2,074,550 36,100,868 ---------- ---------- ---------- ----------- ---------- ---------- ----------- Net assets at end of year $2,901,330 $6,685,521 $2,099,801 $21,883,800 $9,308,385 $2,428,127 $45,306,964 ========== ========== ========== =========== ========== ========== ===========
See notes to financial statements. 9 ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN NOTES TO FINANCIAL STATEMENTS December 31, 1993 NOTE A -- SIGNIFICANT ACCOUNTING POLICIES The financial statements of the Echlin Incentive and Savings Investment Plan ("Plan") have been prepared on the accrual basis of accounting. Investments are stated at their fair value. The fair value of the Putnam Investors and the Putnam Voyager mutual funds were based on each fund's net asset value on the last business day of the plan year. The fair value of the Putnam Daily Dividend Fund represents investments made plus interest earned. The fair value of the Fixed Income Fund represents investments made plus interest earned at the stated contract rate. The Echlin Stock Fund is valued at the closing price for Echlin Inc. ("Company") common stock on the last business day of the plan year. Realized gains on sales of investments are determined using the average cost method. NOTE B -- DESCRIPTION OF THE PLAN The Plan was established on March 1, 1984 to enable employees to defer a portion of their compensation on a pre-tax basis, thereby deferring federal income tax in the year in which the deferrals are made and providing savings to supplement retirement income to the employee. Putnam Fiduciary Trust Company serves as "Trustee" for the Plan and as custodian of the investments. Each employee who is in a covered class of employees within a participating division, has attained age 21 and has one year of service is eligible to participate in the Plan. An employee may elect to have 1 to 15 percent of his compensation, as defined in the Plan agreement, up to the 1993 maximum elective deferral amount of $8,994 as determined under Section 402(g) of the Internal Revenue Code ("Code"), contributed to his account. If at the end of its fiscal year the Company has consolidated net income for the current year or accumulated consolidated net income from prior years, the Company will match all or a portion of each eligible participant's contributions for the plan year that are based on the first 6 percent of the participant's compensation ("basic contribution"). The Company's minimum matching contribution will be based on its return on assets, as defined in the Plan, and will range from 1 percent of an employee's basic contribution (if the return on assets is 6.1 percent) to 100 percent of the basic contribution (if the return on assets is 16 percent or more). Matching contributions made by the Company will be invested solely in common stock of the Company. Participants' accounts are fully vested at all times to the extent of employee contributions. Upon retirement, disability, as defined in the Plan, or death, the participant will be fully vested in the value of the Company's incentive matching contributions credited to his account regardless of his years of 10 Echlin Incentive and Savings Investment Plan Notes to Financial Statements (Continued) NOTE B -- DESCRIPTION OF THE PLAN (Continued) continuous service. A participant with less than 5 years of continuous service will be vested in the Company's incentive matching contributions credited to his account on the last day of the third plan year following the plan year for which the match was made. Once a participant has 5 or more years of continuous service with the Company, the entire balance of matching contributions credited to the participant's account and each such contribution made to his account thereafter is immediately 100 percent vested. Participants may borrow from their account balance in the Plan with the loan being repaid through payroll deductions. The interest rate, which is fixed for the term of the loan, is based upon the average interest rate for secured personal loans for the following three banks: First National Bank of Chicago, Shawmut Bank, and Trust Company of Georgia, rounded to the nearest half percent. In addition, a participant may withdraw vested funds from his or her account if it is demonstrated that a hardship, as defined under the Code, exists. The Plan provides for the establishment of a trust which consists of five investment funds. The five funds are: The Echlin Stock Fund, a Fixed Income Fund, a Maximum Growth Stock Fund (which is currently invested in the Putnam Voyager Mutual Fund), a Growth-Oriented Stock Fund (which is currently invested in the Putnam Investors Mutual Fund) and a Money Market Fund (which is currently invested in the Putnam Daily Dividend Mutual Fund). An employee may choose to invest his or her contribution in any or all of the foregoing funds. At any time during the year an employee may amend future investment allocations and quarterly may amend past investment allocations. As of December 31, 1993 there were 8,102 participants in the Plan. Information pertaining to the earnings objectives and performance results for these funds can be requested from the Company's Human Resource department. In addition, participants are provided with quarterly statements summarizing activity in their accounts. The Employee Benefits Committee ("Plan Administrator") is responsible for the administration of the Plan. Liability of the Company for acts or omissions of any member of the Committee will be limited to amounts not covered by insurance and not payable by the trust under applicable law. The Company may, by action of its Board of Directors, amend or terminate the Plan without shareholder approval at any time. In the event of termination of the Plan, assets will be distributed in accordance with the terms of the Plan. Fees and expenses incurred by the Plan Administrator and the Trustee in connection with the operation of the Plan will be paid from the Plan, if not paid by the Company. NOTE C -- INCOME TAX STATUS The Internal Revenue Service has ruled that the Plan, as amended through January 1, 1985, qualifies under Section 401(a) of the Internal Revenue Code of 1954 and therefore the related plan trust 11 Echlin Incentive and Savings Investment Plan Notes to Financial Statements (Continued) NOTE C -- INCOME TAX STATUS (Continued) is not subject to tax under present tax laws. The Company is in the process of restating the Plan as of January 1, 1989 and will submit the Plan to the IRS for a redetermination, under the Internal Revenue Code of 1986. NOTE D -- TRANSFER OF ASSETS In September, 1992, the Company acquired Sprague Devices, Inc. Effective December 31, 1992, the assets from the Sprague Devices, Inc. Thrift Savings Plan ("Sprague Plan") were merged into the Plan. As the transfer of the Sprague Plan assets occurred in January, 1993, a receivable from the Sprague Plan was included in the accompanying December 31, 1992 Statement of Financial Condition. NOTE E -- ASSETS HELD FOR INVESTMENT Assets held for investment at December 31, 1993 and 1992 consist of the following: December 31, 1993 - -----------------
Shares Fair or Units Value Cost -------- ----------- ----------- Mutual Funds: Putnam Investors 733,487 $ 5,963,246 $ 6,072,816 Putnam Voyager 1,220,520 12,839,874 9,574,681 Putnam Daily Dividend 2,674,299 2,674,299 2,674,299 ----------- ----------- 21,477,419 18,321,796 ----------- ----------- Fixed Income Fund: Provident 12,188,130 12,188,130 12,188,130 Allstate 6,803,780 6,803,780 6,803,780 Mass Mutual 4,436,751 4,436,751 4,436,751 John Hancock 8,269,841 8,269,841 8,269,841 Prudential 344,123 344,123 344,123 ----------- ----------- 32,042,625 32,042,625 ----------- ----------- Echlin Stock Fund: Echlin Inc. Common Stock 705,395 23,454,369 11,664,191 ------------ ----------- $76,974,413 $62,028,612 ============ ===========
12 Echlin Incentive and Savings Investment Plan Notes to Financial Statements (Continued) NOTE E -- ASSETS HELD FOR INVESTMENT (Continued) December 31, 1992 - -----------------
Shares Fair or Units Value Cost -------- ----------- ----------- Mutual Funds: Putnam Investors 437,181 $ 3,554,284 $ 3,645,865 Putnam Voyager 787,459 8,284,068 6,345,121 Putnam Daily Dividend 2,326,197 2,326,197 2,326,197 ------------ ----------- 14,164,549 12,317,183 ------------ ----------- Fixed Income Fund: Union Central 1,491,683 1,491,683 1,491,683 Provident 12,166,240 12,166,240 12,166,240 Allstate 6,242,000 6,242,000 6,242,000 Mass Mutual 4,162,902 4,162,902 4,162,902 John Hancock 2,033,588 2,033,588 2,033,588 ------------ ----------- 26,096,413 26,096,413 ------------ ----------- Echlin Stock Fund: Echlin Inc. Common Stock 645,380 15,085,747 9,926,383 ------------ ----------- $55,346,709 $48,339,979 ============ ===========
13 Schedule A ---------- ECHLIN INCENTIVE AND SAVINGS INVESTMENT PLAN SCHEDULE OF REPORTABLE TRANSACTIONS December 31, 1993
Sales Realized Purchases Proceeds Gain (Loss) ----------- ---------- ----------- Putnam Voyager Fund $3,785,281 $(732,771) $168,456 John Hancock Blended Contract $10,571,018 $(2,346,841) - 14 SIGNATURE --------- Pursuant to the requirements of the Securities Exchange Act of 1934, the Plan Administrator of the Echlin Incentive and Savings Investment Plan has duly caused this annual report to be signed by the undersigned thereunto duly authorized. Echlin Incentive and Savings Investment Plan Date: March 25, 1994 /s/ Jon P. Leckerling ------------------------------------- Jon P. Leckerling Vice President, General Counsel and Corporate Secretary 15 Exhibit A CONSENT OF INDEPENDENT ACCOUNTANTS ---------------------------------- We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (Nos. 2-92426 and 33-15814) of Echlin Inc. of our report dated March 22, 1994 appearing on page 4 of this Form 11-K. /s/ Price Waterhouse - ------------------------ Price Waterhouse Stamford, Connecticut March 25, 1994 16
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