ࡱ> @ bjbjFF (,, ddddddd$P <,Q'tt^>X d&&&&&&&$(RY*\&d::&ddh '}}}.dd&}&}}#dd8&h ]R%4&!'0Q'%X*X*h8&dddd*d8&|l r}~\lll&& LgL WORRYING TOO MUCH ABOUT MONEY? When it comes to your personal finances, which are you more like, the Alfred E. Neuman (What, me worry?) type, or the neurotic Scrooge McDuck? Take this quiz to find out whether you are worrying too much, too little, or just the right amount. Circle the letter on the left that corresponds with your feeling. 1. I check my stocks and mutual funds in the financial pages... every day 20 every week 10 only once a year or so 5 2. I will be able to afford a comfortable retirement because... I am saving to the max right now. 10 I am counting on a relative to leave me a pile. 5 Fat chance! I am going to end up working until I drop. 20 3. When I get my bank statement... I throw it in the wastebasket. 5 I go crazy if it does not match my checkbook balance. 20 I give it a once-over to make sure I know roughly how 10 much is in my account. 4. If I am laid off... Ill get through the following three months on the money 10 from my emergency fund. I bet I will find another, similar job quite fast. 5 I will be a wreck. 20 5. I clip cents-off newspaper coupons... every day 20 only when I see one for a product I like 10 never 5 6. If I buy something I have to stretch to pay for... I cannot sleep for weeks thinking I overpaid. 20 I am pleased that I got my moneys worth. 10 I just put it on plastic and forget about it. 5 7. When I get cash from a cash machine... I do not bother to get a record slip. 5 I always enter the withdrawal in my checkbook. 10 I always get a queasy feeling that Im taking out 20 money too often, even when I am not. HOW TO SCORE YOURSELF Add up the numbers to the right of the response you made to each question. If you did not answer an item, give yourself a 10. The total score will be a good indicator of your Worry Index. If your score is 35 to 45, get real! You need to worry a little more. You may not be accomplishing what you could achieve - perhaps due to inattention being paid to your financial matters. If your score is 50 to 70, you have a fine grasp of your personal financial situation. You are taking an interest as well as taking many of the steps that will assure success. If your score is 75 or above, get a life! You are worrying way too much. Perhaps you should delegate more of these responsibilities to professionals - and let them worry for you! You need to have a financial plan and let it work for you. AVOID THE PARALYSIS OF WORRY Some persons acquire a sense of helplessness about their financial circumstances. Perhaps it is worry about debt, concern over ever-rising inflation, career limitations and hazards, family health matters, or maybe prior financial problems. It may be simply a lack of comprehension about financial and tax issues that grow more complex each year. Worry will not help conquer these issues. The guidance of a financial professional, steady attention to a financial plan and a slow diet of financial reading will produce the desired results. Plus time, of course...  Paul E. Ferraresi  Founders Group Report  CREATEDATE \@ "MMMM d, yyyy" \* MERGEFORMAT July 9, 2004 PAGE 1 For advice on this topic or other areas of your financial life, contact me at:  HYPERLINK "mailto:pferraresi@foundersgroupinc.net" pferraresi@foundersgroupinc.net * (713) 871-5919 Founders Group, Inc * 4635 Southwest Freeway, Suite 162 Houston, TX 77027 * Fax (713) 425-0346 Page  PAGE 2  CREATEDATE \@ "MMMM d, yyyy" \* MERGEFORMAT July 9, 2004 W X Y  o ' P V X *st-.ss'jh?6B*CJOJQJUph+h>+h?56B*CJ4OJQJaJ4phh?6B*CJOJQJph(h>+h?6B*CJOJQJaJph h}h?h}h?CJOJQJaJjh?UhCh?CJ^JaJhl h735\h73h?*!X Y  3 e  W n o  ^` gd73  & F gd73  & F gd73 gd73  & F gd73gd73gd73gd?o  & ' P ] & V W X   & F gd73gd?  & F gd73  & F gd73  ^` gd73  & F gd73gd73678NOtuv !$$& #$/Ifb$gd4} & FgdC & Fgd73gd73gd73  ^` gd73<=qq^^^\ !$&dPgdN ! $&dPgd4} ! $&dPgd5Kkd$$IflTT t 6 644 lae4 !$$& #$/Ifb$gd4} .:;<=>DEFGHJ`abc¸}reeZH"h?6B*CJOJQJaJphh}h?OJQJh}h?CJ^JaJh0uh?0JCJjAh0uh?CJU h?CJjh?CJUh?CJ^JaJh?0JmHnHu h?0Jjh?0JUh?h?6B*CJOJQJph'jh?6B*CJOJQJUph)hK#6B*CJOJQJmHnHphu=HIJ:abcde !$&dPgdN$$dNa$gds+n$a$gdQ&`#$cejkqrstuvհrhCh?CJ^JaJh73h?)hK#6B*CJOJQJmHnHphu'jh?6B*CJOJQJUphh?6B*CJOJQJphh730JmHnHujh?0JUjhlh?0JUhlh?0J(h>+h?6B*CJOJQJaJphn&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p?/ =!"#`$%n&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:p?/ =!"#`$%Dd4   c hA. Paul's picS`TS`T"`bEڥ`M6~ D;nEڥ`M6~ PNG  IHDRksRGB>IDATx^$ywaN܀\"  D&EѴl+6_$c"AHK6ؖ%4%,Xt9gϭ;3;A语[]]u| Ov?u+vt< o xyk~p`rm0ͦt{z[o l9ez~rf G|;hx0`>|}d nDy׉cZ=<:f_u}ݮ{|zӉz.ywONcWvu?-n1Sc̬Lqhl}RrR;!(xX{}}&uZn1v}v;h{@yʂG}S^c@kwd(1y]vZ:BѪe2u2zygs"1v!P!go4ܩc~3Nfns=s;}6N~drfK/qѺ >pء{<s/ ^W]J,8ǖ'kDu.euvtmf2neg>v7u{#b[[B x?-_|$Ky,`v s֯bAFΌ8wϩdpzgs~}L0I;<>_1B:N'āΠ{t}B!-e(F>~g?&'McHKMW FOB_1`|Ja=blь bvUpC2q}7}Qp] 0rlxL`LB|{`aUU֢G`Wh[zGuڹ2s'|Ga=cS8 [>_3x;"׋V0\rUE@O>{~O<!?wcqlNs18c1<R8W|D"0(:&\SNjdqu?nq&0Ԍ8!fū==P0Pp~(/ 2?O3 wF-p:FRjJ$k4Z? ow8'n L( EtD0rl66n/ \Зwu:=;\ӺiF/U~MCtuȊ頑 Rbl̟L%$B~tQ7I.5}kIY" !4=rʈ {dvq@/8hՐrz!tg_/x@dDvɔ7D#?wAoS7ݎD Ѫ?b 7~)7;z][/Mo6q#~uB9F-쭼e$7 &=e7&-P M 4pF$˅獄M#$`'}QQG#@m40n  Z'U!Z ܇j[0 vQ*D 0| o!!@,j91\>$1j)&w3@ :AA~[H- 5j {3 S!Äf`#w5i$z(T6'v$JUJ:ft^(՝HYƣL*ֆ>NtoAMD:3xh+Ξmm?&u "C6IcIƸMynLѷ&$H_U0 ^u !t:vP:5*`ܟ ::+OF1<^Ԛf)$|AĪbf6jM(`93ǎO%cgЩ?ƂD"vd\Y__ B1nccBsb)[Pٮ4t, < U- nқֵU,Tf aP #^ 1'J pa}ClLF h!>b"R"P)F"@ksd,0Ou7V\w3Ntf2ĜA6GυBzJB"]| sH(M&C~G@h ^TjHf;Cry3̯SNYi^9y$}:qLbIn<:fF"a.'G1 a5uB/&o9# b":R*X(l^mTJT ,KjzDꞹTz"tax l l5W~t:ÝO8qҥg&33xbwwInTkN2T*6*} l? |U$7&)2YLEpI*8@va]y xo?8~wz͛}f Sl6=ϐh@[#/m1/yvC`,bE\6$qw`F 45 Oz &yLiPLF`M{{K֔k|g}Ony NuV^.䷃n$ `0p> P.A8 \rpvUǰ1`}DV*'_:[]r @ #g-bzR&0E^]UJJhX<6}*9?88H]_szؚM([{a~ 3D&k|%nO0 u#K&]7Ah1Y?CgH`{D_7RZ,9W)=FҬƓɇy=} _LdP*p+W2eǎUQc ŌG3p2NbȼW*eT^A* (I2'RD|0/ZVjRwT, %zh[TK^pd$6={po"S*̰.5D;95$II?ȠQwR7>7+ˡR-<8hhY@A1p1a4 ڵ,S4ꫯ*3lú^ye9F+N7Gx2',-=UkLq S lD*y=í8'zU6;,n烽ݸqp8(+myq?#TBR^V=ǃKH/y;͡\#6-CSXW~`~0]?CGg'8`7Tp)._zۛ˫T+ϊ `I h A0[ZsClnq3p5>D @ŢS&`ZMBJ C^\?c &I Ur8lhb[ca$dp_<^r=ɅII`7 Q7A 8 Qp$ŋb~c[m.GO\X3Y/,ɀ(QZPI@GL0٩{;vf"ɼ3< kB&V5gP'DEJ =KH(H+N@pQ(, 8F8w! aB %LU#0;c'9.Rz;d[*(&!j$PLPߒB)PPXϿp?PB,d:lTXaV҆fY͢CP&<l]"~ @/(&tIh-Qsu'{uS{nuL0DxhGjX&$97JPYpPk?x'nE@XZ( ЪEj3h違%H'2ǀ.SA(\>y\rI xԄL({*5}R nfjl"WG".:yVHq;[@e*yʌ:U \*EdBjfa!sb!՘>B"ʤv f7.8y􇚝~oV%!xOg@l[7pM4`$c'nbN;bRgn6„׋g_ioFQTB@~h8 rGD5 :3"8s^jI'pl:3=55H| wPH܊Z`,@³ /G@~D A{B *F٬6jentY:;x#lYNrة'Nuڇ}, X[{~3q  H_5CAH.bsQG^.k`ToEPJ-jXz{ v+@қz[] CEy c2uQjh7ţñj47qr] {)2)AbbvWh;KvK`S,f5LGQ-t@r"[:< 'D9&sl<"hIXO&%'0PyiD Ւw ^  wLuB6"%_BdDb T4F槲\Hęh8!òAc zݎ0dW &S?Ī \$F ؠJ 1/&&p u4jDW $U ;Y0`yL>VNˠK_SfX4wȴFG&oE)c7,1sS???43Yۼ4 8onjQ#ə5Qq|Hl.fpB :QD<ެYCrLDv,^M$Rpd&;I "D2Pe>J{%BqabX:f%w#Ț57@8e d]u?Qxȝ_CYl7c!g2wKkWl!ɂֈXl-Aplly"ܩfc˄n+nw[^Y.D C zzx+}\80%j:pgwiqHA :ىd61^ej;@F 2uBj7ͺd;I\cG qPg:PP` gkvIh&fS.^D3sk܏ v. Ytn6k,,J{*$0D00~fpt~fT*=::6h$p[Ȳ xO'L=#OPØCk}@%hӀlxT';^Veok1ݹ\\jO5X7-/K2d&Oh8(/ӅQ= tJ+AkBq%pRT2Q t#0-!&zzZag{eot0toNϤvb0!(#A:ɂhBS?.M VvPj#I{#29⁸9( ҅259H6wM ֛5 ESS-bn2Vܴ~ZeD?}fDB/' 2XS@< "%J 9yxըHq^4 #:d=YOѥNL#!BJ6*9IBB{EiD"BϬ g; pI$n:i2HZ|5JXR*r& ^SYB#Ľ!O&Lr!VJnwZA`׋j2$JPLN w@c.8[E贮n(k0(4[H/;݆.d̰H@1͍._Ò%!˻|g%LMdgfГQ+)4"Zj;yQBh9fS1e'0"]ccz`l 􆊅ʢ^`8ǣat9Q רo@5~LQli+X|rK"EcJ2h wKkV $M9X4S cBZ|a®9fS,HQ LG26ze*_ %(>kZ‰OҎ@h--t(Vf@EHH4_eoMO 0r*+)$W.<~]&~9B7bIx܋c=CSo[u)>nA/OfLmT\H( Z/MY"puK"N 7[R;]2_ %t"&r6׮("A$D%d"G#M$$DEX BWZ9B8pxp}o3$&&z/|TBsoRwXhhD=9 [Z<QqΘL%gp$0%_^D\m# Gggt}sE€.|K!&# f`dqK>Ho4?0  5}=zD&*c7w@JN&5 4/jc T"ԝc!~ rBD}rS|3@R[i W0pv!-1LtK + $9tr׳ NaL dNK.b~běbuzr`^h]QS.E,i`sW*ph1$%]@i+K Gh0RT%IObALU TtHݭVn+B>0\Sρh0iԉ70)YVF ܘf~c%nPF; ?eQ ]eH ] oS/+qvۜ|# =FLxDxGQ!16\'&SmRꫭ6`P *qmlun g)Y; o9 {V LqI,c"&#^3l"&TkEDZirO%KpS?חT)cuSP?^rTFP x:<"cS.ӡY*f0rg5G`Z`V6̣-DKJ'z).SɎUE֑tUR2'Eg(vsOʻl6q쯈iQG۩;> M HNOyG K" 5eKJ&;-Aؔxu|׉hԺ.mE>t \Gc|rgmBjS 5Zmp"[0 ;vmeJ|S &cr"GK;[kr!(!T µ,3cvE!&=3:~˯D$%? DC"F dn$wUfJ3ƖeUEhh/CoIOP6/@T<[d̜JBl0'x s8Ěq϶غ'Hv:3{6y2K8N5$dX+e6ev݁} L dQN]L7;ˢ-(,p %J'-E aGQ xMHJ\ {/q.\$ cIUU!lP~G˰'"Ԅij%Tw:A D*vSt&^bpYw0Z4pF;]Ŋ4,UeŨxwd.ZK<FE"d,LJ ZzĠScP)jYO0%Ÿ$?fh>܁EDp>!&TiZX07:dtS4uLi =0ao5YRt#?·ӯuҾHtrjRhd {,1XFn t-(6*ʼw:'Cp!̋ұq |\7Ww7_b lDa-8zB;;[ FdP)4lp0,Jz;Ab{s=mn` 5X)xZ~2oÔHCU!3Y 'yf'ޚbj<V36! e2$J+SOa(F~N*2ҫA%n#*Si\}H(\·2g]'CE\ab`vu?ImwQo5#^Ѓ,bANJ^|%AQH39<6٠x72f+BzXH3F^b!Vj:3ʟt%ZQBaK.7[M7_}QHXZ(x!Ft8y T>H!C^XRz2qxp^e%H̹ƨGp\Yh\ + 9uHc\"O9w`(^$Y~ w xo/cTŚD*Iv%Jũ B& e!zn ,v?TqBPM8#h Ɋ'&됔8'ibLoB),(g_0T&EdxKP<7*ɳxEˆ_O! *!2BI jY@|} ؄W5/ZŊN` Q$h.!n)B1 }Q Obn$2=ܵ M|x;vjmE* G 0(XEp~P:m5N*6g (RJaC2=x*`%ubxV"nr{a{'& Ao%a\G׹7h^ D00d?IZ %v? h.%S3QIt-+rh;n ;CXNSi<ё)1Q #bHȢ !99g Y Ȗa?Dx$D80FB {( 'e,P0EM,JR D6yWj\tby3_vJ:WJ \4QK0fV[ 3T9VtQKݨ#HF-ia-9@FNμ @V$>'ګ,t*Ckm ,'$P/jہfƏT\77ĩCxc"Bb@8HEAIҁ6[AQd +bJ;dcr U_ lLO+d(@e8{d zdABGA@4)3 JTP"4űry'j <c9<4Wt|lcOքyzm*SkH-t yhH}h6)qꜢ ԛh|;Aqe&&j .(RDk "z D*:y(:PcSNYPrCLUVd"ău\'^LMPP&Qn$ A.(hZ c*{hq:K,|m? 2 $#f>e<7HPKd‰ś3\\\|u$uD zg#SV5ubsr+*p$@s-i^d,Yhw(L vNg(u+*U QgnCADv rKX)1yD?҃sHIR4 6bQnҊUV(N!Uos#f=gD\DrWj(wd^F3nsiqȡE Djͻ ú+:<id橪K h l7J'YaB8LX=%_f.͐Naʰ&c&@SX"&AYFLM81m ca_^Jjo"!Ku+w=._=sV>O/^BH%RQjE$bߝPv_>fdiNH1;dJG`D(!h;Q̎Ʌ&,u  JzE̗L! %pKՎ̊ זLtTXsSj;J1OFP "𡉙V"٤yI*5#Sܛ`}oT%7ݦsmeIH31`X~HSpz[//_^QiR< <cț=ḳC^zv}7_߸(D Lأ8m zߑ[,9GO/[P+Ԍh4M|w}63!ja"s`c0.aOZ-*qƑE&6LI.OwH2Tmri#hq`R} d&ҁdD;'O (>pb] &SL HiiХVH eKOCaʾ%jP,Fs*uE@iv#5PfcL4S Lb6 럇BV4K2C0wLR  hȻKj-JյUTG9~ɒGynasRid,-za0X#ԭj$" %.n>Ht=rEz운n`Ate6bV:'a_AAFLFTsXj>{cKdI-?+>>livw}:(m 犯\zy}j ' NS ń2όSi% )vFt1I?UP0GN)}1.@hv U%\ELv>7=/^_]ϗk7-LOMQ\S Z8C4bi; W>:-1kg 5;|KBvX;\&-mn4K9d쀧 ;^*⟜ &УTb뫛;[uhf%7C xR')O$YQ$RbA nt}o s>|"Y^J 7 lmmw4' kY+t!wI|m_Cb8`%С2M{"#3i]Jiە YSj.]YۦD~x~GlϾ}ϵΜ{_3ool "JBАFS@*r"2rHGqM819AV{˗Vfv?/VtO= ec3FYFH=Bˍϴ751 iúZJāMoȨ:pTXvig}0r)q!䲳ɖXr#= X[,΍[_So[qHr'ݱ#ň'GR!gJ 0Vzw2Q*nʸXͭݝ;T;D&rqu%45Qw>7Ӌ}o\^^<~/_sRp6:6A(qH .YiS۱ƈip:pϡj6ߓwo\}_hD`*ɨhԳiS@ZI Ld$8 SIJ܊n,rY4ӋNǨ_.6WڥȠ ; X=0?IZ9};l&8W3 U_ &)fE /CB- 'Modi,f]affHKV}kkk LD#i"5o\]Ug^}w?'=zۨPųoѫM ST[&vd砳#$J7l/8n" _87^y#6j>v`a{svzjz"`ZjçZ Gh,ɢ2H6d3]z! Tt2 = PNX \'wZ=Zq YŴ=ڷ-?+:7,=ٴٽz Nk7܂6Q$X{6X T,vxazҹ˥ւ\/%]:r+B%vOsj(Iғ D_HT n n4 @Js3s UAz _,iϨ=e='^QKnaփH|O$}0A[R$єԊxƶ6tkš~=D\[]vP;fQd/]v}:,)x"GI w~k?Iu$(B'S*OĽt kv_~Bep2ȌӘk41mHRDb;HHX|zs{T? b$Q7moу25$"'q@,2O< (;L[Rފv'ibKX70S`* J/D~S7AL؈v*DL#ӻM(ĹX#L*Ч(aHF-plM4[#/L|Vl2@jB~ J }$$q #_u,_v4JUudJrns"OI^Ը1e(ښӄh#Sۦ9lguc/$IMѩ[*TtM@N6$pAևQLװnNÅj $>L0-^I~$RUDA%o"D5.f3isӸ4~Le E[t%?t;KqLz{⭶zn]-iX~P~|@UɣJVQ|! aJf#Fo Fc9%f,D(dX4pC>A:{Z~]ZG!Jԧc"e\օI#1kfׯvөHث$Ha ֣9Xä:qC.S%0)NC`fzO͸0K$Sd514z4q=rsfRt4Y'\x/ C+y[KY=Tݡ9 EEQ'N1b&bEf֘GN:{\J颂ӬQ,Ō-i&&!` _f^`,^QppkVOO>ť=4PnrL&NM`^X.DRgm@E|`zjh1X .h $AWBlQ%Ny8V4iO* ' m/a,pnWZ:6 بọ4kN8|0;EX{R<1\/HȮmijô*"Q e$I%a,URj0,`x;6Lf٩t6'_G' O0p5vNQJ_Pn)邘}Q\: tYGf uh$co}Y}1N*5DA4G '>)<1{MUTr JCA rAUL λLOInitL$AqvCoX 1*&yJ\lTZ`YI`|P_( d Nai " bI<NQH?? 1($,9;L0! WG3~B4&P3ִW-"l[j6p"'51(v` >qu>YrUjY1Zy#[Sk6N)) Q>4r^Q5G7M3!kޣ^skbP5,B`S#F0nK50Lfx́f#STƭ4TqTǠSagIoh لY2QG>S,d Dըsٻqq?V`w_j3&;(n5O3juY̊L zLDj>=UE&ʫ(t-)"q^FF%dE G0Iq"/M%PO0CD=1DX~%& 5,pn rKX%Uc%Zjvi CXN R@g{Lhࠫ}.K7妸 M\{1(i:CnǦf!T%J%%T U4Z:!I4sHA5K:vaj H$3bP MF-~5%$؈\k#.+I_eˈ7v鄪̢Dj,aQ`3v$YE>I 14&)U7amw$3YhgsPH45I%laU>4*XJe!Hgℙ/5r8 4:8v ȐWE|:" RP]/ՕRKxGW;K,i)vO4aY(|K3ĕ PS0I1ƒ,5>^ '7@rE_ZsPE!iXRKeKҕ O҄7nuM;vlϼ8iWfG+Oj"!Fluҕï$sq.lmKPX2jIJu<?%⥓,Aa--u&B&E4%iS )JY8J|o&ɄLcTCm?T IAaR}s7E1 tu$Cnb7j&P] T0I :'!pаLD-CG^O!\_8f@Y^@)o+kTv{[ cgHAHmGfE!-!$X=LMb*Nȯ\E &< 6 mq#lm+e*dKL;S iG0%zG.@o㡪1>R=Zuj:ޞTtIbxx0:@6tǒri?#٧H\MT96Q2H;U&xN2kh]Q"t$9 '<ٖvˡ'u%}-/$fa # zܕ@>bMR^MMs,3\1褻鋡Vʼnz[%ȹ&,#m/ ۡ, !;Mj[$8{"bM8+#`k~$.h+PƄmIأSFeyI- Y &t1f!t(Ա(nY35$}n"<ҨNk0O,(y7џQӢBH-)|͐*NG{nIzZBN wjհDBG( #?^,0D{9#eJ(F1o@Vq& ZUEqa ؕE0qB$YH KU!([!Y*+%.%wʔۓHPz$ 1`dR ,ky?qܴvG(2OD0c%(~]I7<~uM=}L#R@:d^UM^-:,Uz- BoҬL9$[IP \D!ᥭ=L3r6 ♎r [mfX@Gbrd,ta_*'Q#!=h,NOB x( LkX/=nZ$\6wD, z'3VeJhjk1b,QEہdA$%PF752)~->Q,4@%Bf%7VVohȌ(R!G0eb!@303Ĵez+2:C7I: SpE1h?s`Qswv1`~0jHRQW#ا!b Y:3)h R l2߰"N:Dp!됬2ɔ̦jؤX,0j>~vSF\> vZF/-XD1H$c έոuJ=)WΌΏ=iABXnz|C$( I*fޝ&>]iEO2T|v1j&]jFʡ/"1R$L tsem?_-ef)'~ qC`RXBT&Y0$NWvx9Qmdzv%П{J@Ȼ Cc`C͝#ʜE\Cbv0$ "@#J }҅[^r==C2!65 ,a5WrBj`XTT7D[,If5ژJJ=L;0N أX5$w1I(̨}s fSFk:dPy4K=6DFR@(¥FE'2@vN-wk\%0B) P/3DM6=މ +C Q.Q!yZ/\`Le1F&K ֑Ԥ82(9Kƺ$I~% D! bҧ!fnX-mCXOPl#Q I͂R2TB6.T ]JTS3U/t>CVV[$30#%i2baBG> qF~j 5h\q*İd{ i{fRϘrVХ몔UAWB'[LЃ&%n\8n (X.BZz%堆R #\TS;sDN| W s_ן} @AH`368"# 4Bɜ?{5It_nV$-$s-NyF۰!7QIWns=PNLlV!cdK,ӄ,@DPn<#C[[wjr+zph˜-;,FZ@-H.X+/\O/LL'aIKY~2VGck#÷g.)7&yRa@)0x)Ѡf#fkkZoyC8 ȜHMba~h2nBjp/4 ,sר(L uM"eo:Z"\#aQ9Fh!5k%Sfۑp=!TR:2T<ϡr*YP0$բTj>TЧ5zI;EB~H NcWHN>+Xvˉ62@jceSvzxh{KQ-(jalCG>֭7}_޸zT:457 ӏAԃ(D2K'NZXjUjh1=Q\c$6!:XQNQ0T]ܬSM,&L0&1Q̋FF!Ë*nC n.8;t1 I1%R,IC)RL5+5E_BҤgHci >xHFU$ tvoii~y X`]3n:ޚUVaAGԃe rR.D x2Vf8ㇸ. 23ɹEvuJ^X@g(gF)#<7z-24V'l6(JEܫXApD!Sh;jnbzTwU=q~(rkྞmox2/9[љ6 &]/ZQ$h0d(!5`%|]h\dxᩩ3Kgr.2AL[٥a& MpG Cz)sQ]8rccT!gGIzĀI;ytF'vH-F4hmĨv䆓$I&D`8drTCj$Y8Lv5&X-bϨ8.g)Y-F:ʤ8`bʸ_&jBt:9HlQЏJ2D5#ߋ᜙1PS.p,J|vv{ŋ\MLO;1sp2vF`?W>)̣$M͹vӫ@qXh%@'\/W|l[ Q:7W?[rj5HϤÛ0`"/jJYW?٦)xpR `"H0:q &Oxf1 `釱U\XY}7?]HHw}KGB,[Tཬ\آ6¢=I|2H߾m [z'Gf5j*'ߪ+5|B 7K/le;x=Rś("aj PrƤUc[T{Ս*BjqQW?p:zfV._]7[Ej*WD4 ƎCTl;]BjPl勻]4Gr)O9g;`tmmTkQ.3VJćG=p0QC. !Fk@jb铡CkMl2) Ю8l"J<ZP"Pׯ"S'I$i4Sn{dЕJ6.]& ̀vE7MA23`olݠ+=Az>&=Ԛ L";&MN&'zknF2.]n[)Tvr͝Vqck3;%OFb>/5'UN-.ӧ?ypn6 SpHy=pf+,U2F>QRM!'5kI0L{ ץ*L{uݗJX;MIOZ E,4!*>!N)N?>qF3L,-&RL*xI%=KDx Oɵ9<8;S`T5 !s<Ce(+[Sjgt Jp+|#ANXtbt)v# -ןbٷYQk?r:!"6NiJY3YmbR.#b$jpD)hbL9R^V Y9-Z4ғJQ Nhb=z^5ժPx)7HԈEN; P<(MZݵk4>~Csv<8qⴟ G8sl|*)=R8mjK6}x:ϊ%"1#= l%C{ ӔbM-saBU7 qۡ$)hH*H-Hrgҁ!4solj,w®2yVYb"p<47 1M68J솖80bxlQG |ԉYKeVN#5^{%[*ʄSp!HOh[؝ NjvrmkӃuyaT7%\g~{ꍹh* KɶTzH,s0XgTነP}HMXmAE;UBT?BU3/n!?3+zU-'66/͗ əpz3 1I4 F2 2эI*X I_?m &Wz@jaIa\ڣRٞ1 V3Uv#Du!w~ wiouo]r pn%҃$hHAL-L Ae$F Y, #ELHK]DC e,৆5*BS>]Z~Z@N2:`yœĿ7N1r&oO6)scU= I_A#vSO2ސ{" !sb7=F>I"!V *(F1j ڕOI|3Pl-_(H*AN i*W>| vU]0v,qʖ&L!E)\f֤-4a@L=6$tj$*Eh܈5QPbo2!аXҫ-说{o_]/$^F8/սo139 "@G njNMβ@jNY4f {LAD>`|،7%u?HQ@ o9 &y6~ BOĒ,X*8p KcԔA2Дph6;8H2UP2M'|@)5*:8H?fS /!+b5ᄒ,uZ̆X~oN-2B]h.wZN RNa&Zk]:צSG I̱d6my.,}x=%uTO]/9M@{HA0.ڕXH\jl;:dd,粝dFlp6^I@D2ǧHzBH_J7ғQ>˜lh@ B@׻g@P-"JI C1d),jց@<$\?P8(&_kWWUkQ؞ 5֡ ps[hD3R]3h8.uQ} }JE!_tuIl"mw=fzP2 v١ eSLܗJ,9R~XbRqB΋/2L 0V0 -  5n/'M5nֱtQZn ",gP,/\WkٹK!"o% P^[-LZ־bKIj7x (4fDa_i+yr{AoP4ISh"U ֪nRǬlZ"-Fюm0E]v6R%i 4-'Lg"`FEE$rJk)Jyyj,0u%;'q&`;WGNI3PeC%I&g/=u?CQp1PT= Z:D$P)SGԱPGaAwEW WSK= |73 c_KZ LޥH:Ȗ/IY@j%:v@/3v*=ɑMt?!EEM>&ߪNiW#trC]Tc)0a%l"0(E5)̤6`PkJ*Aq Rav"b(Ի#l|TMPh@OW=܋BWLGe_I3 1w}v÷SɸftK:kOiㅧr_IgzvQz;B3yAd{M"(ؾG .837*]d,R ;j/*ڒ+9kK CE%-ESUFqTp5Ly,}-IG(.Ʉ>%R)++JYJP6%btQ"!2O=K&]Pk6~ȁ(O'zp 96ޭ+7^|+Xұp<Y (K_=$[r N` )=xcn dTl\ Z^$3'?\> ‘7On4*3yHKo(fT@F0-(Xt^sd=:ЈoIR cӌ l'̣Sj##TR[JA-}L[r$TѸL.&a0IKۊh<:!/8x/"509_2F\DUYP#f:YfBѺyTzMoz;ykYOwۺ/p&XLkqTeT/Ap^#ͦ Eq/aئa.?zl'l4"]y+YL֩! IiX2I}-b[ 82r,]t1)mi QC'´k:m0g'mxN~s<υ&f~̲\~3v%+=}onrPZVȸ*:0[5Rhz]̠|t:ok}s/S5[$"u!ta͵sRe3&Dx |K%RDB)n3wȃ>AFTX|XUKٸJVDXL0uޣ7rε"&}%3LT-#]N̮X.KVI+ "`D:>`=)=:]zTX *EI1>"3 \)#4X&d**A _ZS,! w: tfe'Jt'7_zͱtOS[7l"犔!snQghv-Y=n5ݒi+B.JNȓ??r7ŕIJpvz$Z@2m);*G'b#C)պ04e>yj"~TDkuάn;pωHr{3HocH,RAT"YZ={1b^aݓ~K\VnLK:~l}p{KԴ :6$6F+bTz2D60הKtdt&[:p0C;eSF%]j+!Yߥ:FY r #R!ԏP|XdB L26qe_]P<;I /G-=%F1zfQB fly|IΣ, Mnq*f R{1=Ptbdq; Oc{I ioE;sK6)xg@܀Ԡ;+tiCoLBX(}CZ;@8ʍ+~ڍre>yQiΒV"'؎)CJ#m^M+Y gV 8q1Gq{نohbajx*Z4ċDt0 S"Q‡~']i,O=? p.-6om(5 L~u̎=~.q:'GC=[%2N+f7"uXL e*R²(7jWz>+&vK3>rƳhI }ܛޕj~}]j/Moe3u%ʒΎ@RHʟxH+VЬ+\@BIZҒoך2 >456?<=O>O%?>o}[|-/u ND%~r C<|(K4htoA>šDzCD7zNƅm7čKb>orӁA,FajxĈ@mz $ǪSPǠXZ֒F~ր䑭&b6eAɳ2$QEv?~Cj{=bnZDawnn>+'x&@YsCrI8\HNHaJ:D +lYˁFdMk%mz>$Z+./hG[vxLNa5$(CB+|r]LN!x?+/>?C_rt"5 J*F@ eJ0 I.!rsk,z?q?RNlg$O~#,g%Z|t7,L*'8vaHi{M3.;w+_k6s!⊅VX 2%l?Ƌ1WJvqqY +$Jϰ/UC!,˟Ds@ЀEEw7saLFqvB 2S*aR;~#wFVu46ڠwsc 9vҝԿ6엺oIIokQ X?K^}_k&;ŘuZM?IB:E0l_i6hP`}#t/{ͷK?}*HūXDHcxKñ80wT!A*Κ]gv,']&N;! K޾#c e4xJa.ow'Hegޏ/T,]UC]jUj-zak7Vn& $;C\o`Pwۓ쇛*4i"IOd)zi;赥)! h:49Jڹqv7U:Re݂5l.cn#?o66굳o4kN/o=Ta*lYL㖵Q 7nY)"DZ9`O^i@]ќۥBȃ_C'Nm6VpWD#ҖwUb,7 ,[#mR}VC\6JFjӊtRNnzaqq&wQ^Q"ȫZ3r^xk֙7p&&P$G떛])nѓQ^|yn?JO>IĨad_8FԖA<kj؏ۄP&M.L&3'ąvM*7v;ʉG{lrx ' mo?{3W6 8QFK nN5JyNwܻy JӁ/?(;.Woo~/]T0Bfj!YO}Gk<%q[pڣ1в5I,cRig1܍ꕷ6g3kgcܤ5jj Bȶ)Ӂ1lY4\TnwO?}~ȇ櫕0⋕Poj;bԍ8e;cvb#;\wG#"`%_ju&O_>$֡\^YCv]&[aE, & nte5*(1BHv3zջ'waO+^|OqEfوmD1J!c &Ṳø%hc/@;0*r³vvsPd?JI}B[6?@i‚g")rqDPu C*:hGOcDZ_ws`v_pK_␥ۊpٷs#'vq ֯``+e3h%vegk+_^Hsf'Ԧ@5Bo bw L 'N:A'-,q$sE!ц٠|$(ęmX[8ӥJwо;GmU7Oa' ")M//"5 Cy"5/M0YZR绷B`%v ()ӗ3o+ Xp–vSB"pzgeK >o}kW^m>K<] >aE7|.e(A[YB#I n~ءV*9RGɇ!hT(͒b#5`\F_Ab`%kof`67]dcʊB_E _>ߴ$ۅs/]{ oo[bD b}6>n =Pny1X`Hz3Hzϻ6R%,2p!5J{hLr0%@$b '2|k4?c?'O?gQkj/[elHTb:o{wE2r̋Wy+3 &t$~HV"[,cC " PG(DG=J|fȡ`<c"RՀy~,*ngG>Dc&S}|{> PWkTv7>>-7.fmlP4rFt"q 1nz 9o"C{IuCk$~苧O<(uG(+UЃB68O|j#ׯW[}±*% &NKK.]ݼw_Yo|~ީlө<J# H?Q|mz q {,~2Uڲ6664)ӆKq*>y`eb% WN~4Hd$BwjBə>>䓡bx@ɳnnT_WJCEn hn1SGS^: K :t a&~5nY+JECvF[$@RYѣ"ռ6iU&=zcBΠwF01s>x5EgF0^DF(qFvS)Ftax {͓$?E@S3 JF>^JtW~E3slnnbwQ+jJx1 2"zb?!J6tQĂ_Fø@>FR9ٓO,#ssqR9I)*g!Iu~s#:IBnnr;Kws ԕ/5+VK0|J:A #KO{߻ӘPcz\R 8-vX0\3S RC~/轧O"wƓDTnTXzPN?'O?nO4I*a %8e*'Y^^&Ԅ< ~߳Mz%wii$>|䞏}c QSn$tTv05իɹL***ZLK`&yd,:`;;; /A&{p3oge]ny'Z`(SQeNi7ًLvN^8}מW/G;r6!FKg(hvY}Tv&;nnw/[d-TKիWuF,l'n+^ k^:9m*et"#1%ɛc*s~30Ɏ;;X)JNZkq * xv~w~sȠW}33 Wy?m za}A9=!ضᤴɢt.Ǭ\ 3ˇ{ӟz拟N2{f=uso~g^0"bwn*xJi/4# E}(16wp螈[Nʝq;xԒP&2vg^_Iwx_{xGo'w~gJ4% Q|&zJ}E_QU;|BSn˘c~N̆Pn&m?]\"!BY 4콝{ˉϯ|eCw$ԧ}}6K?=ʗnTxZGSQҩ&աHyWؑ?կ\>DLn#~OCmvlv491Qfwg,%z럺>t޾=n/2(-HM'OI]'?O]Ho_짎O}ꏪ|<$]4JTU"P-^;V$q{ F!1ԯ@{lI#<:p`4J>s?ɍs?ͧ?O7[_y\\>PߺvL')',)w) ~+_ATLu~;='3@ͱ"{"܄Hٸ̚VԘ,AA~`k'c}}䕯Pϕڅ/b"3W0[`+F, 56Vɠn3ܿl؟z;t 3Dɪ>vXz SSX݀Dkˀl1\?\~|k7czz/FׯsD<4<}Η $Ix6r\ԣ}kDXpΣ$ ?w YƳ݁An~UW%D\̉cē IF̿l}>> '~r+#?#fxsO1ZszR+8Xp.u;otLB-:0WjX$ _cưo ΑGN|]C6?v9OS D=m^c)Cd ,p"bN ;^#B"]yر57W)@'Hd%^_rnG99;ј3!\U6|3+gpqjn~o]~ɯ%3.7 KȞxl{{}{OAR  wyҬV>B6ɃFv:ɛv'2Bގ6TIn[d4]z+]j[J7@:wTiھt2}7O|Dѡ9ʍ# ﺏ5?2~?ŗkgZO/M>oe{BNj@bfZ9׋zMF1TtO?V,"y52G ǘH[CdI5g'—>ZY'~A?u==I^jw>4#3\צBt  dXa?'-;$I#<6uwF1.|{~/0-#PRp:*y7;sKTqw`fKO~knٯ]_ Z5oL,.AQfǪ< tx T. ߙT}f?0Ot@IT*p&P Vd6:2=+<^7.^=sgO'>Np >L{KuZ-OϷzmu#p;.? W 3wx+?Tºd0ife瘓ERtKTS_8Cɋ5ouzSkl>?yJ^4-$8(N奊 O97ׯ}n"6؁I2r:SR(.Jnަ3tJ;,.~7ɝw\:? f_UsjeΉo/Z(3[|qlS޺^ڔ1JkJ{5 c<=yߒ,[񝣅$n6 Iw]"6BZϽқZ_4uOy~vY~=z:27]J'?!>(Q5\wfa] T7c=95$/URܓ@ ?;M/?=wf7~~~gѯvv?8wOѯDkW?tB!&^5ge'=3AɭmV~˾k@Vʝ' -ı.Cip[_j3xP]G~қG,]u_9=wS| utg KA>쳴ung,xfɺşۏwC׆ɷ)\iG澺r??xX44 <kk/.~kٙ3z=԰ڎՕnF$LD"y;Fv[:6Dϻ5NfoIkd1&|;""}~i>yS}G~$ШFJ`"Ic¡GO^+aޕd˶7n\DU3RK]Y{"[ϟ;&YvCD ZX_wv)c|brrZro2<`HPGբʻj^,tYN~5& ["-!ʪIENDB`$$If!vh5#v:VlT t 6 065e4DyK  pferraresi@foundersgroupinc.netyK Nmailto:pferraresi@foundersgroupinc.netD@D NormalCJOJQJ_HmH sH tH T@T Heading 1 $$ @ @@@@&a$5CJT@T Q Heading 2$<@&56CJ\]^JaJ@@@ Heading 7@&CJhtH uDA@D Default Paragraph FontVi@V  Table Normal :V 44 la (k@(No List P @P Footer$ H$$da$B*CJOJQJ.)@. Page Number4@4 Header  !TO"T 1st Hanging Indent  & F CJOJQJTO2T 2nd Hanging Indent  & F CJOJQJl$@Bl Envelope Address!@ &+D/^@ ;CJOJQJ0U@Q0 Hyperlink>*B*PObP Mail Labelp]^p;CJOJQJHH@rH List Continue 56CJtH uNF@N List Continue 3$a$5CJtH uNG@N List Continue 4$a$CJhtH uj@j } Table Grid7:V0<B@< Q Body Text7$8$^JaJVC@V 73Body Text Indenthx7$8$^h^JaJW (p(!XY3eWno&'P]&VWX678NOt u v < = H I J  : a b c d e 000000 0 0 000 0 0 000 0 0 0000 00 0 000 0 0 000 0 0 0000 0 0 00000080808 0808 0808 0800x0x000x0x0@01@01@01 @04 @0@0@0@0@0@0\~00C\~00C\~00C\~00C@0@0@0@0\~00@0@0@0@00 0p(^~00El;(l   0,q~.c o =  3anqxz#4!X!4t  ,b$Eڥ`M6~ @ 0(  B S  ?H0(   Docheader  " ,[o n X#  n l  k d k $k tn 0 0 : : C F R X     5 9 A E K K ` `  ? *urn:schemas-microsoft-com:office:smarttags stockticker:*urn:schemas-microsoft-com:office:smarttagsStreet9*urn:schemas-microsoft-com:office:smarttagsState>*urn:schemas-microsoft-com:office:smarttags PostalCode8*urn:schemas-microsoft-com:office:smarttagsCity9 *urn:schemas-microsoft-com:office:smarttagsphone;*urn:schemas-microsoft-com:office:smarttagsaddress9*urn:schemas-microsoft-com:office:smarttagsplace $6425$$$$6871$$$o:ls phonenumbertrans    qw W[ # 33333 ; = G J a b j t  B ⦿D|{6ewg"{6~%^(t175{6*:¨ruJ:^(?^(oeEtL>xOJ^(%L^(/LoSR^(kR^(oIR{6?V^([^^(B.8_2Da^(+tr^(!9s{6^`OJQJ^Jo(^`o(.^`o(.^`OJQJ^Jo(^`o(.^`OJQJ^Jo(^`o(.^`o(.^`.pLp^p`L.@ @ ^@ `.^`.L^`L.^`.^`.PLP^P`L.^`OJQJ^Jo(^`OJQJ^Jo(hh^h`B*OJQJo(^`OJQJ^Jo(^`OJQJ^Jo( hh^h`OJQJo(^`OJQJ^Jo(^`OJQJ^Jo(^`o(.^`OJQJ^Jo(^`OJQJ^Jo(^`.^`OJQJ^Jo(^`OJQJ^Jo(^`o(.oeE/L~%?VoSR+trruJ:[^>xOJkRa?%LB D|wg"oIRt175*:!9sB.8_@l        }5<#>+73MSZI^fs+n4}m`QJ?[K#:MNlYC @u u !u u  `@UnknownGz Times New Roman5Symbol3& z Arial"qh4?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefgijklmnopqrstuvwxyz{|}Root Entry FiData D1Tableh+WordDocument(SummaryInformation(~DocumentSummaryInformation8CompObjj  FMicrosoft Word Document MSWordDocWord.Document.89q