<HEAD> <TITLE>"Hard to understand"</Title> </HEAD> <BODY> <A NAME="pgtop"></A> <A HREF="indexc.htm"><Img Src="flconts.gif" alt=""></A> <A HREF="index4.htm"><Img Src="fllarrow.gif" alt=""></A> <A HREF="index6.htm"><Img Src="flrarrow.gif" alt=""></A> <BR> <IMG BORDER=0 SRC="index5.gif" alt=""> <HR> <A NAME="pgbot"></A> <BR> <FONT SIZE="-2">Published by Lotus® Freelance Graphics® </BODY>