EXHIBIT 99
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(1)  On  January 9,  2003,  Mr.  Montoya  entered  into a variable  prepaid
     forward contract ("VPF Agreement")  relating to up to 31,739 shares of
     Common  Stock.  The VPF Agreement  provided  that three  business days
     after January 9, 2004, Mr. Montoya would deliver to the counterparty a
     number of shares of Common Stock (or, at the election of Mr.  Montoya,
     the cash equivalent of such shares) based on the following:

     (a)  if the closing  price of the Common Stock on January 9, 2004 (the
          "Final  Price") is less than $64.43 per share,  Mr.  Montoya will
          deliver 31,739 shares;

     (b)  if the Final  Price is less than or equal to  $98.79  per  shares
          (the "Cap  Price") but greater  than or equal to $64.43 per share
          (the "Floor Price"),  Mr. Montoya will deliver a number of shares
          equal to Floor Price/Final Price x 31,739;

     (c)  if the Final  Price is greater  than the Cap Price,  Mr.  Montoya
          will deliver a number of shares  equal to ((Floor  Price + (Final
          Price - Cap Price))/Final Price) x 31,739.

     In consideration for the foregoing, Mr. Montoya received $2,000,000.

     The  closing  price of the Common  Stock on January 9, 2004 was $99.64
     and  Mr.  Montoya  elected  to  cash  settle  the  VPF  Agreement  for
     $2,071,921.92 based on the formula set forth above.



(2)  On January 9, 2003,  Mr.  Montoya  entered into a  "zero-cost  collar"
     arrangement  pursuant  to which he wrote a  covered  call  option  and
     purchased a put option.  Only one of the options could be in the money
     on the expiration date, at which time the in-the-money option would be
     exercised (and settled,  at the option of Mr. Montoya, by the delivery
     of  45,819  shares  or the  cash  equivalent  of  such  shares  on the
     expiration date), and the other option would expire. If neither option
     were in the money on the expiration date, both options would expire.

     On January 9, 2004, the call option was  in-the-money  and Mr. Montoya
     elected to cash settle and paid to the option  holder,  for each share
     of Common Stock subject to the option,  the excess of the market price
     of $99.64 per share  over the  exercise  price of $98.79.  On the same
     date, the related put option expired unexercised.



(3)  Revocable trust for the benefit of various persons and entities.