Hi.
     
     The Market Risk Meeting has been scheduled for Wednesday, 
     February 6, 2002 at 10:00 a.m. Houston Time.
     
     The dial in information is as follows:
     
     Dial In Number:  203-719-0070
     
     Freephone within the U.S.:  877-315-5218
     
     Pin Number:  183668
     
     Mercy, please reserve a conference room for those participants in 
     Houston.
     
     Thanks.
     
     jm


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