To the employees, agents, manage-
ment, delegates, directors and members I would like to
express my sincerest wishes for a Happy and Joyous
#31;#29;#11;#11;#11;To all of the people who contribute so much to the success
of our company - members, delegates, board, agents, man-
agement and staff - may I express the oft repeated - but
ever sincere - time honored greeting - Merry Christmas and
Happy New Year.