Status: U Return-Path: Received: from mx-mastin.atl.sa.earthlink.net ([127.0.0.1]) by mx-mastin.atl.sa.earthlink.net (EarthLink SMTP Server) with SMTP id 1l7deg2lk3Nl34h1; Mon, 1 Dec 2008 13:10:40 -0500 (EST) Received: from wsmarth-infect.pas.sa.earthlink.net ([207.217.120.84]) by mx-mastin.atl.sa.earthlink.net (EarthLink SMTP Server) with ESMTP id 1l7def4Vm3Nl34h1 for ; Mon, 1 Dec 2008 13:10:39 -0500 (EST) Received: from domrl-ground.atl.sa.earthlink.net ([207.69.231.199]) by wsmarth-infect.pas.sa.earthlink.net with smtp (Exim 3.36 #4) id 1L7DEF-0007ms-00 for merileek@earthlink.net; Mon, 01 Dec 2008 12:10:39 -0600 X-ELNK-Loop: merileek@kerncommunications.com Received: from dukecmmtar02.coxmail.com ([68.99.120.49]) by domrl-ground.atl.sa.earthlink.net (EarthLink SMTP Server) with ESMTP id 1l7ded3vh3Nl5vF0 for ; Mon, 1 Dec 2008 13:10:38 -0500 (EST) Received: from merilee07cf8a9 ([68.15.13.44]) by dukecmmtar02.coxmail.com (InterMail vM.6.01.06.05 201-2131-130-106-20070212) with SMTP id <20081201181037.LNBH19831.dukecmmtar02.coxmail.com@merilee07cf8a9>; Mon, 1 Dec 2008 13:10:37 -0500 Message-ID: <3917602FBE2A4435A0792E3430F88925@merilee07cf8a9> Reply-To: "Merilee:::Kern Communications" From: "Merilee:::Kern Communications" To: "Brent Wilsey" , Subject: Chicago Sun Times placement Date: Mon, 1 Dec 2008 10:10:41 -0800 MIME-Version: 1.0 Content-Type: multipart/related; type="multipart/alternative"; boundary="----=_NextPart_000_09C7_01C9539D.1105E660" X-Priority: 3 X-MSMail-Priority: Normal X-Mailer: Microsoft Outlook Express 6.00.2900.5512 X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.5579 X-ELNK-AV: 0 X-ELNK-Info: sbv=0; sbrc=.0; sbf=00; sbw=010; This is a multi-part message in MIME format. ------=_NextPart_000_09C7_01C9539D.1105E660 Content-Type: multipart/alternative; boundary="----=_NextPart_001_09C8_01C9539D.1105E660" ------=_NextPart_001_09C8_01C9539D.1105E660 Content-Type: text/plain; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable http://www.suntimes.com/business/roeder/1305638,CST-FIN-curious30.article= Best deals aren't at the malls=20 Comments=20 November 30, 2008=20 BY DAVID ROEDER Sun-Times Columnist Pity the people who stormed the malls at the crack of dawn Friday. The = discounts were alluring, but there are better deals to be had elsewhere, = especially if you stay home and log on to a brokerage account. You could = buy stock as a gift for the kids, and you don't have to get up at 5 a.m. = for the privilege. Some of the best stock-pickers I know are seeing terrific deals in blue = chips. Independent research firm Morningstar, for example, has culled = its analysts' recommendations and created a list of prospects for what = it calls, aptly, the Ultimate Stock-Picker's Portfolio. Recent additions = to that list include Wells Fargo (WFC), ConocoPhillips (COP), WellPoint = (WLP), Walt Disney (DIS), Sanofi-Aventis (SNY) and Costco Wholesale = (COST). =20 A shopper totes a computer at a Wal-Mart in Oakland, Calif., on Friday. = He could have done better, stock-pickers say.=20 (AP)=20 They join Morningstar favorites of long standing, such as Microsoft = (MSFT) and General Electric (GE). Many of the same names turn up on another favorite "tip sheet," the buy = list maintained by Kovitz Investment Group. Kovitz likes close to 40 = stocks, and recent additions to its list include Automatic Data = Processing (ADP), Coca-Cola (KO) and Johnson & Johnson (JNJ). Beyond stocks, William Kovacic, president of Kovacic Financial = Associates Inc. in Palos Heights, said he's been putting clients into = two closed-end bonds funds. They are Calamos Convertible Opportunities = and Income Fund (CHI) and Calamos Convertible and High Income Fund = (CHY). Even with understandable dividend cuts this fall, these funds = still are paying yields of about 15 percent. I'll take 15 percent on my = money over a department store discount any day. CAR TALK: Shares of General Motors (GM) and Ford Motor (F) have just had = their best two-day trading period since 1980. The action came on the = general consensus that Congress won't tell the bedrock American industry = to drop dead, and that it probably will enact a bridge loan to carry the = companies into the Obama administration. But the prospects for these two = stocks still are troubling. The auto business requires scale, focus and cost control. GM, Ford and = privately held Chrysler LLC don't have it. Chrysler isn't even close and = is probably a goner once the smoke clears. Buying GM is extremely risky; = the bullish case is that it will downsize itself not only to get itself = in shape for a government loan, but also to free cash to acquire the = valuable pieces of Chrysler.=20 Ford may be the best bet of all. It's large enough to meet the demands = of scale yet isn't lumbering and clueless. There's real progress in = Ford's vehicle quality and in cutting the time it needs to get new = designs to market. DOWN ON THE FARM: Farmers who locked in prices for their crops last = summer look like geniuses. Commodity prices in the last five months are = in a free-fall because the global economic slowdown probably will cut = demand across the board for grains, meat and dairy products. At the = Chicago Board of Trade, locals who saw agricultural futures touch record = levels in July now wonder where the bottom is. Both corn and soybeans = futures have fallen about 50 percent since that time. Economists are parsing out the effects on the world at large. First up = is the farmer, expected to see a substantial hit in income. That spreads = to companies such as the fertilizer producers and farm implement maker = Deere (DE). Last week, Deere reported an 18 percent drop in quarterly = profit. DE shares, however, rallied on the news. Contrarianism is at work here. = Deere stock already has been discounted, having fallen 63 percent = year-to-date. Jumping into this sector makes some sense, as commodity = prices are liable to rise again and farmers will find their situation = isn't so bad because their costs are falling, as anybody who visits a = gas pump can attest. In time, price trends will boost consumer spending, = even if the days of easy-credit profligacy are over. COLUMN STUFFER: The company is gone and the Thanksgiving leftovers still = lurk in the fridge, but if last week's feast put you in an investing = mood, one of Curious Investor's favorite non-Chicago investment experts, = Brent Wilsey, suggests you can start by considering the trappings of the = holiday. Wilsey, president of Wilsey Asset Management, has "buy" ratings = on the following companies that had a hand in Thanksgiving: ConAgra = (CAG), Kraft Foods (KFT), Martha Stewart Living Omnimedia (MSO), Hormel = Foods (HRL) and Constellation Brands (STZ). CLOSING QUOTE: "No one can escape the gravity of what's going on in the = global economy. It's too powerful, but we're approaching the point where = the worst is fully in the stocks." -- Matthew Kaufler, money manager, = Clover Capital Management, as told to Bloomberg News ------=_NextPart_001_09C8_01C9539D.1105E660 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable

http://www.suntimes.com/business/roeder/1305638,CST-FIN-curious3= 0.article

3D"Chicago

Best deals aren't at the malls

Comments

November 30, 2008
BY DAVID ROEDER Sun-Times Columnist

Pity the people who stormed the malls at the crack of dawn Friday. = The=20 discounts were alluring, but there are better deals to be had elsewhere, = especially if you stay home and log on to a brokerage account. You could = buy=20 stock as a gift for the kids, and you don't have to get up at 5 a.m. for = the=20 privilege.

Some of the best stock-pickers I know are seeing terrific deals in = blue=20 chips. Independent research firm Morningstar, for example, has = culled its=20 analysts' recommendations and created a list of prospects for what it = calls,=20 aptly, the Ultimate Stock-Picker's Portfolio. Recent additions to that = list=20 include Wells Fargo (WFC), ConocoPhillips (COP), WellPoint (WLP), = Walt Disney=20 (DIS), Sanofi-Aventis (SNY) and Costco Wholesale = (COST).

3D""=20
A shopper totes a computer at a Wal-Mart in = Oakland, Calif.,=20 on Friday. He could have done better, stock-pickers say.
(AP)

They join Morningstar favorites of long standing, such as = Microsoft=20 (MSFT) and General Electric (GE).

Many of the same names turn up on another favorite "tip sheet," the = buy list=20 maintained by Kovitz Investment Group. Kovitz likes close to 40 = stocks,=20 and recent additions to its list include Automatic Data Processing = (ADP),=20 Coca-Cola (KO) and Johnson & Johnson (JNJ).

Beyond stocks, William Kovacic, president of Kovacic = Financial=20 Associates Inc. in Palos Heights, said he's been putting clients = into two=20 closed-end bonds funds. They are Calamos Convertible Opportunities = and Income=20 Fund (CHI) and Calamos Convertible and High Income Fund = (CHY). Even=20 with understandable dividend cuts this fall, these funds still are = paying yields=20 of about 15 percent. I'll take 15 percent on my money over a department = store=20 discount any day.

CAR TALK: Shares of General Motors (GM) and Ford = Motor (F)=20 have just had their best two-day trading period since 1980. The = action came=20 on the general consensus that Congress won't tell the bedrock American = industry=20 to drop dead, and that it probably will enact a bridge loan to carry the = companies into the Obama administration. But the prospects for these two = stocks=20 still are troubling.

The auto business requires scale, focus and cost control. GM, Ford = and=20 privately held Chrysler LLC don't have it. Chrysler isn't even = close and=20 is probably a goner once the smoke clears. Buying GM is extremely risky; = the=20 bullish case is that it will downsize itself not only to get itself in = shape for=20 a government loan, but also to free cash to acquire the valuable pieces = of=20 Chrysler.

Ford may be the best bet of all. It's large enough to meet the = demands of=20 scale yet isn't lumbering and clueless. There's real progress in Ford's = vehicle=20 quality and in cutting the time it needs to get new designs to = market.

DOWN ON THE FARM: Farmers who locked in prices for their crops = last=20 summer look like geniuses. Commodity prices in the last five months are = in a=20 free-fall because the global economic slowdown probably will cut demand = across=20 the board for grains, meat and dairy products. At the Chicago Board = of=20 Trade, locals who saw agricultural futures touch record levels in = July now=20 wonder where the bottom is. Both corn and soybeans futures have fallen = about 50=20 percent since that time.

Economists are parsing out the effects on the world at large. First = up is the=20 farmer, expected to see a substantial hit in income. That spreads to = companies=20 such as the fertilizer producers and farm implement maker Deere = (DE).=20 Last week, Deere reported an 18 percent drop in quarterly profit.

DE shares, however, rallied on the news. Contrarianism is at work = here. Deere=20 stock already has been discounted, having fallen 63 percent = year-to-date.=20 Jumping into this sector makes some sense, as commodity prices are = liable to=20 rise again and farmers will find their situation isn't so bad because = their=20 costs are falling, as anybody who visits a gas pump can attest. In time, = price=20 trends will boost consumer spending, even if the days of easy-credit = profligacy=20 are over.

COLUMN STUFFER: The company is gone and = the=20 Thanksgiving leftovers still lurk in the fridge, but if last week's = feast put=20 you in an investing mood, one of Curious Investor's favorite non-Chicago = investment experts, Brent Wilsey, suggests = you can=20 start by considering the trappings of the holiday. Wilsey, president of = Wilsey=20 Asset Management, has "buy" ratings on the following companies that had = a hand=20 in Thanksgiving: ConAgra (CAG), Kraft Foods (KFT), Martha Stewart Living = Omnimedia (MSO), Hormel Foods (HRL) and Constellation Brands=20 (STZ).

CLOSING QUOTE: "No one can escape the gravity of what's going = on in=20 the global economy. It's too powerful, but we're approaching the point = where the=20 worst is fully in the stocks." -- Matthew Kaufler, money manager, = Clover Capital Management, as told to Bloomberg=20 News

------=_NextPart_001_09C8_01C9539D.1105E660-- ------=_NextPart_000_09C7_01C9539D.1105E660 Content-Type: image/gif; name="cst_logo_353_2.gif" Content-Transfer-Encoding: base64 Content-Location: http://media.suntimes.com/images/cds/cst_logo_353_2.gif R0lGODlhYQEsAMQAAPn3+MzO1K1KRKM2LqituM6VkbtrZdiqppKYpefKx/Tn5ubn6rS4wYiOnZwl HZ4qIu3Y1sB1cKg/OJyhreC7uLZfWdja3/De3caBfL/CyuPBv/Lv8OnPzoCGlqExKf///yH5BAAA AAAALAAAAABhASwAQAX/4CeOZGmeaKqubOu+cCzPdG3feK6zS+Bbm90O0PsBZpsgjPhbzIqWo4vj qVqvj4eBopACNhyM50GpPK7otHrNblcdhwsnQa8nKHi8vc5RXAZugYKDhIVpIgQdik4tCAQkDIod ASoBko8mkYoMJAiSSisAHZwoDAwZkh2MJACeHQ1SKxMTJBOSFiqtirAnVGkPCSUFWW5kJAUObBcK gFYDfgqsAmdvBh8a1GjEaQ7WJAbJv9TdJMxocB8YsR/IVg4R7AfH4W/wI39WxA8CEQ/PI+C4YVDA 5oOmDgjWwThIKYUlRZhKHCT1wRbEGxkijnioCJcIix0ypFhgwZWiDEcO/2osJQlBL0IPHAjgYAJD MmMj2q2BYM6ZggTZHGAocaDCBwrjCpDYoAGDgCvkvtFbE1VEz2pHz1T9sEEphWRbAUxzN/RezAEQ 0k09N6CAwg8R1lphZavBqhILTFL8kOhkpUsnJprY0ADhWxEcJ42IBApF4oYfFhROiAKkyxIA6jYe UfeuCV9Q7bGLicWBUhHD3In+AJReTHgapr77IFZuFWAikBYyLcw21LIiNkhIilq2Ugjcgo346k7e COHZYipNMPvDgW23/2VdI6S79+/gVXCQQL68+fPo06tfz769+/fw48ufT78++fD48+u3AdqQ//8A BijggAQWSIIFikxwmP8ICF60mCQiOQRYJpLsJQIqo6iAYUgp6OJgCppYuFRhHaz0wUMmIraJeGoI lZNtUVXgwAMVNLaBjFjQeIEIFwjggEw7khAXFh4YoMQBA0xF43ZQeQPQWuiA84AENB0zxhgPAEfC WGhod4+Pb1BJwgVYejCAAdFwQM0+Oypgxo80RvMBctz11QEtNEy0wJ589rlhioLRphcOrTDiYYkl gBRhDHamWMKGvJTQnzYSUICCAjZlM4alL7LBUzNVPAMUjetQEZM1uv3y45mgbvVBQG1sdVUVEmwA gAQOcCqCmlVAUNtpu2paHY+AyKQWFhLISQIHUgZyoSSQ5dLAXgz99SH/JBWSYKdnKCAYLQANeHSC SZfxJQm3rJBI2bOKRDuYJHh+JhBBsTonwpv2WuebBACQeYWomr6RL5ODuAorG7KC6gFvQ4aq7Kvh TNmYTWSNCSp5t0VQQQUYBJxPWiLQech+JJdssqRqYBfTjCvPKEjLMLf448w/xuoxwjTnDGfKOves 8835+Cz00BGvOfPKQKNx8tJMN+3001BHLfXUVL8EE3YFZq11Plt37bUHJpSEkLiR1UUAAQ08AoAF B50UBSsWbLjJ2xuwncooQJQQQGEE3CV22omI+OidLqC4CgB7NxDABgzEW4IFhTEQy0OLpjBpPgIc 2fKPAgT5QQUSbCz6/+gVXEz66aMrXAXqGyv8j5s5G0WCjDR3TpsAA7AuugcCsP7UGqGjTp7uwmsz pQEFHHBAAaAn87saI/TleAqeaFSthNc+uOIIHgqOl18oHKrYCeBur4ItK1k0vUS7LHi5mcoCRRU8 ZoyhwTwp83vrmrWWENs58BAZVAoAAY8ZTC7AOABYnMSV4QzQBNjQhqXWQTHVWAyAn4tJWWb1hqEI UGkNesWCWHA9x0yIfebb0PpmEAA8gSRSI9iQ91YQwnKlwE6Ce5+ZQMaKorjsF7pih2888Kl//QQd +FsYqpLWIgZCzA0J0wZNJACs251hSRd4QL4UGJoLLowCOrlNlXYFpv/SFAQkK3TBQTLQpzYu4E+B yRZtSJShGyAgWiHkkAgO5S4XgMRRJIDUZj6gQ6i05WEjgIADN5VENRTRJ/KrgnKetEQrSCACBUhA LPCBFalAkYGzwuIYBEBBdCDDRSOYFSqDc4BJVhAqApjkUvrRBq6kYpAoIAm22mUtRFHIfDUc4ePI FhmEzOKYs0hFpDiSRu6pawQLaIkwzcVLeYmDDVm4H/emgZPieGpWAEMWIpmkhX7sjBtOPBhVQKkw F+kkVyWAzihLcLBVfoCTA9jAKxH2gCrCxTYb+QQNzWcQaPUSUHLU3rpSgKFoNU5aEIpeglQQTUUs 9AMYgqEJLALIy83/xlRUsVcEl5RK1XVQiPngF6+4UYFYpKpg6RxiPcqhsAfQpJ5OCmOvGmlPTjbp c9ZQZ8VEwMWR6a16AYgb2l7BgAVk5hELmAAddzEBsllgAiahKi6uOtVXTMBdAMhAA6aV1IxYlI0b QABKsnpHEwCAAFmFlxLCihAGJDUAjTsrLjcyVrvi1RMM2Ouy5iUADCjnJxrgwBEU4MOUVYACsdhA F4jKJRpRoDEKKIMB4UGdQOyjleHTQAFUZ1lcauAA2uQeBWhppgJIIB8YSC0rKHAAyLpVA3oABTgG sgUAAOC0yktTBK7EnaoZ97iF/Jpyl8vc5vrnuNCNrnSnS93qWve6/9jNrna3y90ZQEAA4A2veMdL 3vKa97zoTa9618ve9rr3vfCNL3i7S98bJNe5+M2vfpVb3/7O4L5lkgB4JTAA0hB3v4EgcBYWzOAG O3hKz0OwhKtwgg1kwBMImAABpPpVJeA1MgjIMDJDbNUQIxOrCNiqiUfcVryI1ZgbTtvbDFI5FCBg hiZ442Q0PIsASKEHKbCwieE6LXRZs0UC4BQEChABA2CAUxyQh4wevGDjUbnBKaOyFEeQAOUpT7bX 8DJqpQCdK+vjytjUMpbMzOA1ZIFm20ia3ghKgsRoBCQ4PsgKGxVHPf4SfCbsCAmrGU86pughfawo IHeVPzn97xwCkP/TxmSpWgfug9IbUN5mroMGApbgAgd47W1I+UR3xBQqshNApXB5gWEYYIwkiKQE BxNqARwAkQDggAYSq6ww+uMAR4jyAdKiTwx88ArQJBExTYAh6xkUe75EYR0D+grB0sYiNS6BnTT6 OIsKE0V4KYxdqEfoI2NhkjpFQ1rq5wBYF/Uc3oCVqxTApeZ8gBkBm029O/kkbQjgWPasDVTA/E94 m0CnvLlHO2skliwMIEgNe4Ptjj2XD4SwjyewhLPLbQKOIJSgGzIy+7I9AsjR0YZ1vgULEKSREOLY 5Sh4n5dQqgYq1a+bNE/DM4RjxJrIxhqyzsfGDHhqfxtAK+w8hzz/PGdFzN1TlghfjU/zEeUZHdak Y+CAv6B3KGsHklrPDnS0dzntihpGjSQXVBLomO0QNvNxEdmAJLi9UZWbe6gk0MCUsRnEdF/hkQ7T gBP7Q46XCuKAn6SpNu4nANnKGje2buTCpN4MLdz8DF6CQJL8PVzubOiiCwn7CUL48Wn/MQcTIEVi iGmntK8AjivQs9V+kSwUuBaBfR8i4OHXWUTiqPBMPLAS6SnT4Ze0SzsS8DrawRtk5CuCFlS4FS6w T3vSxpyDqAi8atC2u3n/hGQnRfnoPIOMBDIVhzMJxllw+tfPfZDJPUMEmE4CCiySkZ3aCTh/ohV/ KhD4UDEjhTVs/1eBeLGSdE6nALiiJbVhDQWUcCGDQWYhE8GwT2NQIydAAWVUEHbydrEneh0HftpT R+M3bTRAGJuBRp0QUeSDYiOGC3zmfu1zdwgzAAcwSBqQD7n3Ta7Df2/QUkuRO0xifSHTKkWHMAiI FbwCT4n0DPszLA0UFFqiAE4GMhZ4G1kyTjl3CBxBd2oEgnOWPSIQKNREODXQCstWghFBhrnUEtRm hiqgErM3CGcwMPKDc35nBbsXTlcAZvKQKrwhWgYwDT/EbyIgVOikeBbERVOyDkdAMSQ1AvVzUtJH DldYGo1XAhxUcSAhctq2ceMjdqVHEePXAF7HGTV2YaawiqyYCv8NYXZe6Ezetkd05Inapwi49D69 0wb7sA5TtoNq8Az7F3STZwIvhTVNRHyJd3wVU0EOIDsjUFS9KCT00FPNAAc60WYtUkXMMTIesmgS BXYcF4ZjN4J7YXauxz2egEexiFHoJwLoqAKEMYu0KIYptwgxxw3wgIjuACwNB4HXcDP7wBqakk/E OAYDAGuGFwgGiISKKDAF9wa6sn88pSU+FWcKEAERsAEIAywrpTQS5WcVRiLiKJIhaI9sKCiClgIX 9xyhyBIzqJIdsGxvCHp9sX4VhQCC5VH2kIf+4DmwYlOedA73M4nztHXcACwLCUWrEZEIsxpXMY0R t1MfsG+4EY3/1VhFU3clFwAARXJPBcYN9mKUyMYKiYAAnhFWJBI5z0FHChI+L7QZh6KTg2ELb7kU 26YYdGWSfzY20OQJd3mPCIEub4UQjVGYaLkCPLksBrAwPyIBzgEAHXMOWpIApTMAubN0leUAEgAy OViIKRUNS0kV76AQN1IzqiIB9BcXP2IkwbF3F3gst9EN63CaP4KBs0MzNlgcopEAPjIzA6BNFFBL 5NNCIZZhDDBjkSESiGMBzvmcFrA4S5FU0Omc0rkB1FmdAYAuFoZiyEk2PrA20Lmdo1ed0FmbGeCd 3zlNe2ScGZYBp8hoaQBecDKAGpAApxUBuJI0AogBtYVbB+AUZoW4DxigkQYaAU4hkAWQGgmGAQV6 oAdaoL9QWBBqoA76oBFqlGvhZBWqkRfaoQj6oQY6HL3DOf55n2BUAQvjBv7Voi8AYBMWozI6oxTm ojbKIjSaozpKozfaoz76o0AapEI6pPUVAgA7 ------=_NextPart_000_09C7_01C9539D.1105E660 Content-Type: application/octet-stream; name="113008curious.jpg_20081129_18_01_04_75-116-165.imageContent" Content-Transfer-Encoding: base64 Content-Location: http://media1.suntimes.com/multimedia/113008curious.jpg_20081129_18_01_04_75-116-165.imageContent /9j/4AAQSkZJRgABAgAAAQABAAD/2wBDAAgGBgcGBQgHBwcJCQgKDBQNDAsLDBkSEw8UHRofHh0a HBwgJC4nICIsIxwcKDcpLDAxNDQ0Hyc5PTgyPC4zNDL/2wBDAQkJCQwLDBgNDRgyIRwhMjIyMjIy MjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjIyMjL/wAARCAB0AKUDASIA AhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAAAAAAECAwQFBgcICQoL/8QAtRAAAgEDAwIEAwUFBAQA AAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBkaEII0KxwRVS0fAkM2JyggkKFhcYGRolJicoKSo0NTY3 ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZnaGlqc3R1dnd4eXqDhIWGh4iJipKTlJWWl5iZmqKjpKWm p6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2uHi4+Tl5ufo6erx8vP09fb3+Pn6/8QAHwEA AwEBAQEBAQEBAQAAAAAAAAECAwQFBgcICQoL/8QAtREAAgECBAQDBAcFBAQAAQJ3AAECAxEEBSEx BhJBUQdhcRMiMoEIFEKRobHBCSMzUvAVYnLRChYkNOEl8RcYGRomJygpKjU2Nzg5OkNERUZHSElK U1RVVldYWVpjZGVmZ2hpanN0dXZ3eHl6goOEhYaHiImKkpOUlZaXmJmaoqOkpaanqKmqsrO0tba3 uLm6wsPExcbHyMnK0tPU1dbX2Nna4uPk5ebn6Onq8vP09fb3+Pn6/9oADAMBAAIRAxEAPwD029ia Jc7T+ApbG2llXJDCuqa1hb7yZpywRIMBQKUnJqyZTaZ5v4u0T+0J9Ot2dkyJnyoBJxs45+tYP/CD Q/8APzcf+OV3/idAutaSRwPKuAf/ACHVDNFLG1cPH2asy1hlUSk2zkR4Gt+89z/30n+FO/4Qa0/5 7XP/AH8T/wCJrrO/XNCtEXZZZxFjBAwOfzIrT+1K72S+7/ginhacFdyf4f5HKjwPZD/lrcH/ALar /wDE0o8EWA6tP+Mv/wBjXUloAU/0o5bqFVWxx6hvX6Up8ny3YTuWBAUYUZ6dRnPrR/aOJ7L7v+CZ ezo/3jmB4L08dRIfrKf8KUeDNN/uMf8Ats1dS6wBRtaUuR0wuP50rJbq2fMuWHTaqKD/AF7Zo+v4 rsh+zo/3vvOXHg7TP+eBP1lf/GnjwhpY/wCXYH6ySf8AxVdJ5SMyALdBRnflAD+GAaZ5a4XEF8zf xEJwfp8tL69iv6Qezo9n9/8AwTnx4T0sf8uqfi7/APxVOHhbSx/y6x/m3+NdBHb5X5oL0HJwPLPT t/Aaf9kJVsW14TjgkP8A/EUfXcW+v4L/ACF7Oh/K/vf+Zzw8M6YOltF/3yT/AFpR4c05T/x6wf8A fuug+yuQANP1Ajnqxz+e2opbZ4sP9kuYVH3jKxI9uwqXjsWle/4L/IqNKg2lyv73/mZI0DTh0tbf /vytKNEsR/y7W/8A34X/AArQzS5qP7QxP834L/I6PqVD+X8X/mbvhS3itdNnjiRVXzycKoX+FfT6 Va1Rgq/MRiqugSFLS4x/z1H8hVPxPJM0Mfldd3NHNKoryerM3FQlZbIFSNxnIornol1DBAf9KKSw 8e5p7ZnYG54+9L/31TTdH+/J/wB91mYcNkxk1GxfPCGt1hMMeY1HzG6u/marpp3McJP1OeyUyoLl X/tGxZxjiUfov+FT1xV4RhNqGx6uFt7JWDpVh5pI7W2CyyICZchJTHkgpycEZ6/rVeraYNvBk45l x0/2PWjD/GVX+EqPPds42Xdwo6EfaXJPv9+ojPqCXEH+l3e3zVzmZsEZ/wB45H4D8as3JkICQDcG PzZCbenTtVBEKzq725UBhz5W0Z/A+1dzSOQ7OUkTEhnHH944/LNSRj5QQzE4xksT/OkmDb2YMQB2 Heoy21gHkccZwAT/AE9qQiwCaqyqPOYnr161MJkzwW/75P8AhUTOGYkPJj0AYUAPjCqMqDg+tSgZ YDPU1V4HWSXP/AqlEgXgLIe/r/OhhY5bcupwmW/WOWRpi6qwPyJjAUEc/h68nmrMdw8um3tuSzRw Sx+WzEnCn+HJ5OMd/Wr9xoiTTmaG5kt9xyyqisM98Z5GaLqzistGlihBwXDMzclmJHJrWvODpNIm lGSqIxOMUd6UiivHPUN7w8N0Nyp/vL/KnajaSTHaoBGe5qnpE5ijuAO5U/zpk2r3SylUjz+HSu6k vcTOKr8bCO0ePcGA69qK5/V9bv4LhR5ROR24orZRRnc2WGoEfLAfzpI7bUWf5o8D3IqYazdPny9N uW9/KbH8qhk1rURKkSaXcb3OBlCM1lzeY7RKt/HNDf2HnAAM0ijBzzsJ/pTxRqg1Fp9NkvLYwp57 BckHJMT8cH2pa5q3xHXRtyaCVaRWaCDarthpchAD/wA86q1racjPZZCuQJHzsGT0XHb2oofGKv8A AZk8LFGXBHHO4hs/+Pf1rNlAj2HbKrEgjMW3I5HXJ/KuhurdpVZfKuypXYf3D4I/LNc7caTq7OHF pOxBAVTFnj/e4rubVjkudvd3lvaljNIi9TgsBn86ijv43kSPY6lhxuGB9Ofx/Ko7i3jur8yRXIV1 BBAzkjPtjuTS2tnawz7kcM4bJwQOenOOv415jni5zstPut/XoXypI5tYL3VtQ1CZNWkghiu5Ygge Q427j91WAAwOp/8ArVh6g99auyrqjSqSy5junZhg9xnj/wDXWh5c9rM8zRXFvI+d58hvmyec8cjO etVHKLu33USeYSfmjK5z05OB6V6lCXNK0tF6GUkkvMZa318XKR3d35axg/eY5Pc8mkg1PVbWND/a N2rmRwwbJU4244OeOTSW+sWNqPKa0DJ5RljlW6kTdlyAvydcgdecVCt5HfW6zCNYgJHBjDFj0Xqz cn61Yz0jSp5LnSbaaZi0rpliQBk5PYcUmq/8g2X6r/6EKo6RqmnxaJah722QqnIMoBHPpVzUJUl0 mR43V0cKyspyCMjBrCpsyofEjn6TpS0mK849AztZ1STS7eBoxkTTrG3PrWvc3wtNOSUJvYjJxWZq ekrq1oIySDDIsoI45FaNjLCbVI5l3beOlerTUXh4231ucNRtVGclrmuu1xGVgP3aK6e90+1vJA6w jA4oq48tiDvyyqcEgVQv9QhtWTI3Emsu6vZhKZTuwOMCsfUbzz5YyHIYDOD3rlT5lsNwaRreKJRP baU6A4F8pP0MUg/rWZ3qfVH/AOJLbMT0uYT+bbf/AGaoMjvXNV+I6qHwAcVqaZhrUqeiy78dm4Ax WXkVJFO0JbAyD9P8DShLllcdZNwsjUnghdNrTSBQMYTA4KhT7c7f1PrWNeahatcpbl2djI7YyCQR yTjkYz7d/SpJb59p/do3+8f8MVz5DyXEdxgHDsX3A8Bsnj8QOtaSrX2M6NCUr8yL8N8bfUNqSMf3 OwA888U201c2esXMbuGVYgevvWFayeXf3E4BECRYDMf4y2f6fyrMtr+S3h1C8uGaYSOIIsAbjjkn Hfk4/A1lztWO32V279bHpDajc3NmklncJDIwBy67lrCtZ9R0zU7uWS5ErXDK8mIXKNjJ44AB57H+ VP01pPsUaZUbFA6eg+tXxIP7iH8/8a0jXkt0eY6NS+iMTV4bTVdQa+naRX2Kh2sAAB9VyKpqlrax LHHK7AlpAPNDeg7AenSunZtyFWjiKnggqSD+tMjjgil8yK2tUfGNyxYP51ssUktg9jU7HJfYzNcJ HbMZJRkhMjj8e38q7Gxllh0OC0nULKiBWUHOMHjke2KUzMeojx/u/wD16YzljztGOyqBWNSu5aJF RpVOZMKXFJkUE5rE7SaCeK3jnMrAAgAZ/Gq0GsaasJBKk7j2rN1zULXToImvG2pI5Rc9ziuYv/Fm k21o/kpuk6KAvevfweGi8Iqs72/4J59eX71pHcN4j0+E4JVfrRXgV3rU1zcPJvIyegNFYupRvomT qfUD2uRubBB7VlX+jQyYnJ8pI+SxOAPxrjPiB8TpfD8h0nSNpu8ZluNu8xZGQqqRgtyCSTgDjBJ4 8V1bWtY1a/d9SvppZAOskpfHONoJPy8jovFcMFJap2NpzWz1PoS/1uzFoYDqWnL5bAgzXKqu5SCA xyO4Ga4DVPiVrmnT+W9jo0inlJrWVp4nH+y6vj8DgjuK8iMUTyEzApJ/eBJx74Papop57Nl8pwxB yB0BPt6Hjtz6GqcIvciNRx2PTLf4n67dy7EtLFfUi3lb+TGt2DxPrs6BmnsEz1As7jI/Q1Z+G/ia 38SQmxvbwHUljMiZYq/XBRgepGRtYE7gecMDn0zw5ZTSs13chgisViDd/wDaqlRha4/bTPMYNf1L zXN1KjxCMkbLZ4ssegy4HTrxVIeK7kJ5KWYJBwBv6ivSPH0cV79mtnI/dqznIz1xj/0E15NqNj9n Y7Q3P3WHI/GuKrZSsj08M24JsuXHiaOeNbSRNkmcnA+VR3rKv7qW6KR6ROiLAQTM4DIpJJyR0JJr ltV1L+z2CXBK56AHJIrmL3Xbq5QwQsYLfOdiHlj6k1UKTlqTVxEYaM9Eu/GGqaWmyfxcizEfchso 2/8AZT/OuYPxT8Yn/mKgfS3i/wDia43mit1TitzgnXcnpodc3xP8YN/zGGH0hjH/ALLWhp/xJ1R3 Uajq+pgkjLRyRqg+oEZOPpXA0uDVckexn7SXc+jbGLWbiCKfbqMsMih0kiud4cHoQRgEH1q/9kvE TdKurIPeYf8AxVcf8EtfuLuxvvD00rMtoBdWo7qhbEi/TcVI92b1r03VEEljJGWwwzzmtFTha7NO dWu5HNNDO0DSJNqBUdzccD/x6siS7YllW9mZhwd0zkD8jWUdauYLE6TgNOzGNX9iev5V1+jeHfs2 mhGAYsp5PfNZ1JRhsiqUZVOpjXUdjPpZlu7oStGCwDTEqp6dCf8AOa4pLJ77w3dak33I5NqfTj/G tTx/ps+jaY5DYjkk5APXNaXw+DXfhi50u9t18hwWVvXPNbyxc/Yqnf3exMaF6jXU8ykYq5X0or3z w98Nbe7sCxSNIVbEbuuS/r+Xr9fSisFNvVIp0oRdnLU8n8baUuk6lIscssxdEl3PyG+c7j9eE/Cu PeVg24d2JK57k9/++jXo/wAQbdJ7UXMNxFJJA210VgWCt7f7wWvMLhid3oeR+Q/wpU5c0bk14ck7 IleTCIwG4oT17j0/UfrR5ilSSeOx/Hg/Uf0NVkk3AKeh5x7Y5pEYAlGOSPfGR3FaXMDRstQl0/UI byJ2R1OW2Y5HR1wQQR7EEcnINfTOn/Eg2nhPS7y4t0u5LtC0LJJs+UE/fBLEEfKOC2eSSDxXy5Z2 txfX8NlaoZri4cRQoMZdm4A56Z46+le1+HvD7WNuNMe9aaK08uNJFyMvuLyBTx8ueg685PXA3oU+ d2exMnZGtqHi291G7eV4IkZmOV2nI9uT6Af5Nc/c39xcRlZUXdnDYx746GuuuLS2WSJ40ijCZVkY fK6nBIP4gHJ5/XNLU49LtoonltlaORyi7YwwQnJJGeg9hXZ9So/yoSxdRaJs8P1LRNY1LxJPDBaS 3Ekkxjh2jgjPyj24qOTwZ4hikCPpM4YnA+6f616ARLP42XRrO0RhPscyM5Ijj2jexHoMN+XrxXaW EAecW8GkXVpFCFRC2GRxjqDk88/nmvNxKjR0idVCn7Z3kfPupaLf6S4S9t2iY4OM56/SqWzDYIwf evoXxvo8N3oExEAeeIqycZONwzj8K8jsvCWo6yjyw25SJX2GVuBnAOP1GawjUTjdlVMO1Plhrc5c pSYrsdR8DPYeFE1Y3aed5nzLnKNGSFB6ZVgxXIPZu2Dnk57Wa3x5kZXP4j860jJSV0Y1KcqbtJG3 4M12Xw94mtbxJBHEW8uckceW3BJxzxnP4V7PqkHiG6UGOaARsOCh3bge4NcZ8IPA1vrty2rapBI1 vFL5doNwVJJFUs2eOdvy4HTOc5r0HV76XQJorKVGFvsBt3P3WTsAfbpjtUVJNWsFOEJv3jhp9GuL CVbq5l3So4Yn1r0DRtdXU7GNbVgzKOcHpXn/AIn1lruRFj+VCcMa7Dw59g0Lwvui2iSTLFs9Se9K VP2lmb063srpHI/EaDWtcl8mG2aSC35IjOST9K0PhJa6hqtz/Z7KfIjXM8vTylHGPqeQB9fQ1L4f 14S6/PY7/OkuZtsUfUsx7CvUZ5tE+Gvhq5v7lADLMGmMS5e4mI4RfXAH5An1rR04tWfQz9tNSclu zq0SC3ijiVQkSqFjRewFFeA6p8YNTvrtnt7Y2igkeXIwLD8B0/nRS55dET7OPVkevWKrpLQpYzT/ AGssA6wYK56FiTx3x9K8gv7eW2uTFKArKSCB04JB/UEfhXu6PcizAvNwkyxTJBIUnjpXnviSxtku ZLh4oXnmcFDMflHtjHUnnr68c1y0qqUmktDuxFFuKbepwHkyxOivG6FgGXcpGQeQRntjvSBd0auv 3l4IHpXUalqAuLgtJGpQPufzkEjKD8xXPcAhueuM+vOdHPp87GW+jkJCh/3RCnGQoHTqBz+Fddzg cddzpPhPZCbxk1zJg/Y7OSdPZjhB+jn8q9SjuvLuRFEnC7sfXuc1yHw2XT4bfXriyjZSnlQ72P3g Sxzg5x0rooEae5UA5U5GO3Q16eFVoJmFTdot3aXTgyJLuH9zGKyL6zGsWUlk8zwO33WB+43Y47j1 9ia30iktlZpSoiAycnp75rn9S1+xTdJY2E95Kv8AHGdkf4sQcj6A12GBN4JSPSzf3Go3Vqutl1sR bzOEZYY1VwFJxuLnDZ7hOO9dy9+LvSLS4WOMh1z8h7g7f/Za8ms/EtrrGtaVearpIS6s5HDrHgsQ pBRTu64bdx7mvQG1M/6trP7EkZKCEAAIB7KSBXg46LhNyve57ODkpQ5bbCSXLmVhJGCpxwRmrEkY k0maK2WFTKGRkKZBDZDcD2JNZt1exr8isCT71n3niCxt2NjJIv2nAbDI21B7kd682N5OyPQk1BXZ meN9Pgk8OHS7a6CFmEnmSliGIxhSwGM9M/7q+5rjD4S8uyhvbjV4gEAJRUOAD8pIJIzyV/A1s3+r vp9632G/e5jkOSkrf6s+gIGCpHY+lYV5qUjQGEJJGNrpIq5K552n65x+XtXZTg4KyPOr1I1JXkep fCjWY9Djfw7rF3DJp27zrNpzgwMeqnPABJJ46Nnrur2GTStPvbSOOSJJoc70Oc9e4NfIU2tybVRF Luy5dxxjk8A4684z7mvQPh/8VLrQRDZX0rXWlA7TC3MsC+qHuB3X05FaX7nO4p/CegeJ9LstGvds 1qr20ozGxXP1B968x1y9t0mcQII4AOFHA/Kve9Zi07xJ4eG2aKS1mQSxXSuMIf4WH8sV5boXw6vL 3xfLDr1kU06wKyO55S6J5VFPccZYenH8QNXSik7kyndWZq/CbwQljEvim+g2312hFkjj/UwnrJ7F h+S/7xFVvi9qYjkgR/MNpbxh1CHAZm7k9unTIzx16He8ffE/TfBqNZxxfbtVcZMCttSEdt7Dp9By favEfFeq6hr0Frr2qxwRXF6jSR4UgBM7VCA5wML75weampJS0Q6acfeZzUl4sh3xhIwxJ2gD178U VQN0rnE0rMV4B2jp6UU1sS9Weww3Msxk8xt3ll8Z9ulcXrsz3F7DGxwGLE47/LRRXDTS52epX2Ob vEBuW5PzcHHv1/OqpAZ58/xEfhz2oorsPNluekfC4n+wtU563Ef6KQK76P8Adwm4By6gkA9KKK9b C/w0ctTc4d9SvNd1ORL2dzBDLhYE+WPjuR3/ABzW8lukaiRSQfTtRRXUjM5u7i8q7TUY3ZLiRxES AMAbuo44OOM+ldpf20FlpkSW0Sx718xmBJLN65NFFeZmi/dfM9DL/wCJ8jnbWd3vZHfDeUpYA9Cf euXkfdpsuoSIsk8lwwbeOODxx3xjvRRXi0evyPQxHT5mdolqtxBLcyPIZQpOc981pJaRyx/OWYeh oortexwU0jKu4UgvlWNQoCnsKZJGud4G0sf4eMdenpRRUsF1PU/hTq92NC1LT3cSW4KSoJBu8tic Nt9M4zj1r2q6dodPbYxBihyp98daKKcdn6GMv4v3HyF4jd7zxNqDzOzHzCeucnIGTnr1qbxFeXEv h/SlMrKtvbiFQpwCu9yM+4zjPpRRU0/hRvV3Zzljax3CO0mSQR3oooqnuRFKx//Z ------=_NextPart_000_09C7_01C9539D.1105E660--