PLEASE SAVE THE DATE!

We will be returning to the Villagio Inn & Spa in Napa from November 14 to
16, 2001 for our annual retreat.

Wednesday, November 14, 2001 -- Golf and Opening Reception

Thursday, November 15, 2001 -- Meetings all Day and Dinner

Friday, November 16, 2001 -- Meetings until Noon

Delaney and I are preparing the registration packets now and will get them
to you by the end of next week.  Please contact either one of us for
questions.

P.S.:  In addition, please respond with your attendance by e-mail as soon as
possible, so we can get a general idea of how many people are planning to
attend.

Julia B. Wright
Executive Assistant
Smith, Kempton & Watts
980 Ninth Street, Suite 1560
Sacramento, CA 95814
(916)446-5508
(916)446-1499 Fax
jwright@s-k-w.com