S. SMITH, Box 667, Lawrence, KS 66044 SUSAN N. GARY, University of Oregon, School of Law, 1515 Agate St., Eugene, OR 97403, Reporter EX OFFICIO HOWARD J. SWIBEL, 120 S. Riverside Plaza, Suite 1200, Chicago, IL 60606, President TOM BOLT, Corporate Place, 5600 Royal Dane Mall, St. Thomas, VI 00802-6410, Divisi