to:a irterost mies: Pisem bo abace Net erce January 1, 20'5. we baw? B0NSI0C NO Wabia lelum or vatious curvenoes to a ropinive rate Ran aro esbeka to Omego on responso to market charges, arf we may, in ich lasce aro baaed er Oby normal elereS1 rata selwo arrarpements. beton m charpa ropiane agerest rale