Date:    03/20/2000  2:51 PM

Subject: S7-31-99

     
Except below from MarketWatch.com columnist Paul 
Farrell-
     
"These research analysts make a great living "selling" 
you securities. For example, several months ago, near 
the end of 1999, The Wall Street Journal speculated 
that Mary Meeker, Morgan Stanley Dean Witter's top 
Internet analyst, received a bonus in the range of $15 
million.
     
Are they paid to offer you "objective" research? 
Analysis? Advice? No. You heard me right. Wall 
Street's securities analysts are employed to "sell" 
you securities -- not to offer you "objective" 
advice."
     
Enough said.
     
Jim Gulvin