Attached is a fourth quarter update from one of our economists that I
thought you would be interested in.

Call if we can do anything!

Byron



"Make all you can, save all you can, give all you can."

				               JOHN WESLEY

Byron W. Ellis, CFP(tm), CLU, ChFC
Senior Financial Advisor
American Express Financial Advisors
IDS Life Insurance Company
1450 Lake Robbins Drive
Suite 100
The Woodlands, TX  77380

Phone	281.367.8658 ext. 2227
Fax	281.364.9628
E mail	byronellis@usa.net


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