gifts? asump=ion on rates? LEON. !!""?? =div class="gmail_quote">From: Joe Avantario <@[email protected]> Melanie Spinella Cc: Brad Wechsler a John Castru=ci < Please find enclosed the most rece=t 2016 cash flow estimates. Leon has not seen this yet so I am copying him= I encourage you to call me if y