3/15/2004

Hello:

With so much upside potential for stocks and the economy, why did the market sell-off? Louis Navallier believes the reason is that the dip in February's economic data, especially the payroll data, spooked investors. We agree and also believe that February's weak economic data was largely the result of the severe snowstorms. We anticipate that the economic data is likely to improve in March. If we are correct, then it would not be surprising if this were a good buying opportunity.

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Terri G. Millson, CIMC President

Ray Dicius, GEPC LPL Branch Manager