Author:  "Virginia C. Garrett" 
Date:    12/25/1999  4:28 PM

Subject: Disclosure

It makes the rich get richer and the little person with a portfolio of 
about a $100,000.00 does't have a chance.  Brokers are going to cater to 
clients with big money.  I for one would like to see a lid put on it, 
being a little stock holder.