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Six Easy Ways To Lock In

Steady Income ChecksFor The Rest of Your Life

The 10-Minute

Retirement Recovery Plan:

[Income investing is] like the dairy farmer who owns a milk cow that he

hopes will produce milk for many years to come. He’s unlikely to be very con-

cerned with what the price of beef is doing after he buys his cow, since he’s in the

business of producing milk from the cow he owns.

“The dairy farmer also knows he would just have to go out and buy another

cow to produce the milk he needs if he sold his milk cow. As income investors,

we are all like the dairy farmer because we’re in the business of keeping our cows and drinking the milk, rather than turning our cows into hamburger!

— Realty Income Corp., The Psychology of Investing for Income

http://lifetimeincomereport.agorafinancial.com/



The 10-MinuteRetirement Recovery Plan:

Six Easy Ways To Lock In Steady Income ChecksFor The Rest of Your Life

Why would you gamble on a stock when you can collect regular, growing paychecks from a safer, moreestablished company?

Buying low and selling high is primarily about speculation. When you make a bet at the blackjack table,you are speculating that you have a better hand than the house. For most, the stock market is no different.

Income investing, however, is about growing your wealth using proven historical dividends. That’s not to saywe won’t speculate on prices and growth here at Lifetime Income Report. This just means we aren’t “betting” on it.

Frankly, it doesn’t make a huge difference whether our recommendations have a good or bad day. This tur-bulent market means very little to our strategy. As long as your dividend checks continue to come in the mail,who cares about a swing of a few percentage points in the market?

One study shows income investors consistently double the gains other individuals get following the S&P500 alone. That’s in good times and bad.

To get started, you need to have several go-to retirement investments. For solid income you can depend on,you will need to invest in safe companies with a history of building shareholder value. That’s the most importantprinciple of a Plan B Pension.

After months of digging through annual reports, listening (and relistening) to earnings calls, and double-and triple-checking the numbers, we found six stocks you need in your portfolio starting today…

Lifetime Income Opportunity No. 1:

Grab Your Share of the Natural Energy BoomThere are very few things we need in this world. According to most state legislatures, heat and electricity are

two of these things. If you are planning on moving intoa new apartment or house in most states, you arerequired — by law — to have your gas and electricityturned on before you can spend a night.

While, that seems pretty commonsensical, it doesmake a statement about the necessities in life. Mostareas these days are heated with natural gas… Meaning,

you are mandated to pay for natural gas to live.This brings us to our first “go-to” investment…

natural gas.

Green Energy’s Beneficial Impact onNatural Gas

Natural gas is much cleaner than other fossil fuels.Coal and oil are just about as dirty as it gets. For the

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NuclearRenewables

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Natural Gas — Running a Hot Second

Projections

Electricity Generation by Fuel 1970–2020 (billion kilowatt hours)



same amount of energy when burned, natural gas produces 29% less carbon dioxide than petroleum and 44%less than coal. And it doesn’t take much of an imagination to see how more “green” legislation is on the way.

All this “green” talk is just the start. The most important factor in natural gas demand is price. With pricesdepressed due to high stockpile levels and easily accessible reserves, natural gas demand is skyrocketing.

You can see the expected growth of natural gas in electricity generation. Coal is still the No. 1 energysource, but natural gas is about to blow away oil, nuclear and renewable energies.

The demand for natural gas is only going to strengthen the industry. One way to play this growth is to buy anatural gas producer. They are, however, too speculative for our tastes. After all, we want to be able to predictour income, not bet on it.

What we have today is not a growth story. It’s a true income story. You see, as strong as natural gas is, wearen’t going to be placing any bets on future prices. Instead, we found the one segment of the natural gasindustry that thrives when the price of natural gas is both up and down…utilities.

Gas utilities perform well no matter what the price of natural gas is. These companies pass on costs straightto consumers.

It’s smart business for these distributors. They simply profit from their services, not what the speculativeprices are. This creates an enormous amount of stability and a perfect place to find a sleeping income play. Wefound the one that will actually pay you to become a shareholder. More on why it does that in a minute…

Safe, Reliable and LucrativePiedmont Natural Gas Co. Inc. (PNY:NYSE) is a regional natural gas utility company serving both of the

Carolinas and Tennessee. It has over a million residential, commercial and industrial customers. It is one of thelargest natural gas providers in the South, and one of the best. In fact, J.D. Power and Associates gavePiedmont the No. 1 ranking in customer satisfaction for Southern natural gas utilities over the past few years.

This company is expanding at a great pace through both acquisitions and joint ventures all over the South.Piedmont secures the natural gas it distributes through mergers and acquisitions. Joint ventures with pipelinecompanies, storage operators and other distributors allow Piedmont to get on with its business of growing

customer base. So far, that’s worked, as the company enjoys a steady 2.5–3% residential growth rate.

Using Common Sense to Pay the BillsBut it’s not even the growth of the natural gas sector that really attracts us to Piedmont. It’s the company’s

common-sense management. Over the last few years, the company’s management has taken some very logical,yet important steps that have already proven successful.

Piedmont started a progressive program in 2003 that has greatly benefited shareholders, customers and thecompany itself. The program includes automated meter reading, centralized call centers, back-office operationsand more efficient billing and payment processes.

That kind of initiative seems like common sense. But I’ve moved many times over the years. And in everyplace I wind up, it’s apparent that most gas and electric providers are not efficient at all. Common sense is,actually, a rare occurrence in the energy world, which is why Piedmont’s common-sense initiative has been sosuccessful. In just five years, the company has increased operating income per employee 52%.

That’s why Piedmont’s balance sheet looks quite different from what it looked like a few years back.

The company keeps one eye on its debt and the other on shareholder value. Piedmont is paying back largeportions of its debt while lowering its interest rate. This allows more capital and equity for dividend paymentsand growing its customer base.

The combination of careful budgeting and customer growth has shown Piedmont investors some large gains

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in recent history…

Guaranteed Gains to Help Pave Your RetirementShares have nearly doubled in just six years, all while paying a growing quarterly dividend.

The company currently pays around 4.2% of its share price to investors through dividends. That’s 27 centsper share every quarter. Piedmont’s dividend has grown at a 9.5% annualized rate dating back to 1988, whichfar outpaces inflation. With its balance sheet in order, its customer growth steady and this history of consistentdividend increases, we are looking at one of the safest ways to play the energy industry.

Buying shares in Piedmont is only a start. The company also offers a Dividend Reinvestment Plan, DirectShare Purchase Plan, and a 5% discount. (For more on DRPs and discounted investing, read Let Your Money

Work for You: The Smart Investor’s Secret Trick to Retiring With Millions.)

Basically, if you call Piedmont’s transfer agent, they can enroll you in the DRP and schedule automatic sharepurchases. Both the dividend reinvestments and the subsequent share purchases come with a 5% discount onthe market value, which gives you a guaranteed 5% gain.

This is a solid go-to retirement investment you can’t afford to pass up…

Action to take: Buy shares of Piedmont Natural Gas Co. Inc. (PNY:NYSE) for $34.75 or less. To signup for the company’s DRP, call 1-800-937-5449.


Double Your Money on This 85-Year-OldIncome Aristocrat

Every other advertisement on television is for a drug that “fights” some disease or ailment you probably didn’t

even know existed.Forget all that. The stocks of the companies that make ED and restless legs syndrome drugs have already

shown massive gains over the last several years. There’s no money left in those drugs. Instead, we need to focuson more pervasive and life-changing drugs.

We’re not saying you should go out and buy every biotechnology company that promises a cure for canceror diabetes. There are already plenty of FDA-approved drugs that ease pain and extend life.

The companies that make these drugs are the ones that’ll continue to rake in large profits, without the hypeand expectations laid upon them by investors.

The other unnoticed element in this discussion is the massive payouts these companies produce. We’re talkingabout double-digit dividend growth.

Your second Plan B opportunity is a solid international pharmaceutical giant that pays shareholders a dividendthat’s grown 57% in the past five years. You’ll take advantage of owning it as it continues to grow even faster inthe next five…

The Big Pharma ChecklistIt’s important to find income opportunities that do business in countries with growing middle classes.

Beyond exposure to emerging economies, the second most important aspect for a Big Pharma company is adiverse product pipeline with current and future products across many segments of the pharmaceutical industry.

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At minimum, a pharma company needs to spread its research and acquisition targets across a wide varietyof disease therapies. Expanding beyond pharmaceuticals can be an even better way to secure long-term cashflow. We’re talking about businesses like medical devices, nutraceuticals and diagnostics.

Finally, any pharmaceutical company we look at must have a low payout ratio. Already, some of the besthistorical payers in this field have succumbed to credit pressure and cut their dividends. We cannot let thathappen to any company in our portfolio.

That’s why today’s pick is at the top of its field. It has an ultra-low 43% payout and product diversity and just secured a deal to extend its emerging economy reach.

On top of that, it’s trading at a 50% discount…

Finding the Rare Blue Chip Growth StockAbbott Laboratories (NYSE:ABT) is a massive $85 billion health care leader. The company sells nearly

$31 billion worth of drugs, nutritional supplements, diagnostic instruments and medical/surgical devices todistributors and hospitals in over 130 different countries.

You don’t normally think of companies that big as growth investments. But that’s exactly what Abbott is.

Over the last eight years, the company doubled its revenue and book value and tripled its earnings. Thismonstrous medical solutions provider isn’t slowing down in the slightest.

In fact, Abbott beat earnings estimates every single quarter this year. Meanwhile competitors like Pfizer andRoche expect double-digit declines in both sales and their bottom lines.

Most of this growth is coming from organic operations. But Abbott is also taking advantage of its competitors’lower share prices.

Acquiring International Pipelines With Pocket ChangeIn the past few quarters, the company acquired Ibis Biosciences — a developer of diagnostic devices — and

Advanced Medical Optics — a leader in vision care.

These acquisitions are helping the company add billions to its top line and will continue to do so in yearsahead.

A third important acquisition was just approved by both boards of directors. Solvay Pharmaceuticals is aleader in cardiology, gastroenterology and vaccine development.

After Solvay is integrated into Abbott’s business — which should be in less than a year — it will add anadditional $3 billion to the combined company’s top line and vastly expand the company’s product pipeline.

While Solvay’s impact on Abbott’s pipeline initially caught our attention, it’s the company’s geographic oper-ations that really got us interested.

Nearly three-quarters of Solvay’s product sales come from countries outside of the U.S… including many

emerging markets, like Eastern Europe and Asia. We expect many more acquisitions like this one. Abbott iscommitted to expanding its business in emerging economies.

The Solvay deal is going to be paid for completely from Abbott’s balance sheet, which won’t dilute shares inthe least. And it’ll start paying for itself in no time. Solvay’s operations will add to Abbott’s bottom line this year.

Abbott is a must-own, but not just for its current operations or acquisitions. It is a major income payer…

Double Your Investment and IncomeThe company’s third-quarter dividend is the 345th consecutive quarterly payment dating back to 1924.

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That’s more than three-quarters of acentury worth of quarterly dividends.

On top of consistent payments, it’salso made an enormous effort to increaseits distributions. This year marks

Abbott’s 38th year of dividend hikes in arow. Its latest payment is up more than10% from last year’s. Over the last fiveyears, the company’s dividend per share

jumped from just 26 cents to 44 cents.

This dividend growth caught the eyeof Standard & Poor’s, which added Abbottto its S&P Dividend Aristocrats list.

At today’s price, we’re able to lock in a 3.2% dividend yield, which is much higher than it’s been in previousyears. And with this growth rate, we’ll soon be looking at a high-single-digit cost yield.

Even if the company didn’t pay a dividend, its share price would still make it a great investment. Because of the company’s growth, shares of Abbott historically trade at 28 times earnings. Today, that number is just 14.

We’re looking at a potential capital gains double. After you factor in future earnings, our trade could be worthmuch more.

This may be our only opportunity to get in on this market leader at such a cheap price. And we probablywon’t see many more chances to lock in this dividend yield. We recommend you buy immediately.

Action to take: Buy shares of Abbott Laboratories (NYSE:ABT) up to $53.33. To request informationon the company’s DRP and DSPP, call 1-888-332-2268.


Branding Your DividendsIn 1988, Warren Buffett caused the investment world to shake its collective head in confusion when he

began buying shares of Coca-Cola. Over the next year, Buffett’s investment company, Berkshire Hathaway,spent over $1 billion on Coke shares. Meanwhile, the rest of the market insisted Buffett was making his biggestmistake ever.

Coca-Cola shares had gone from just 68 cents, if you account for splits, to $3.30 from the start of 1980 to1988 — all while paying strong growing dividends. Many investors thought, at this point, that the companywas simply overbought. Buffett disagreed.

He started piling money into the soda giant for one reason: its brand. Coke had a dominant presence in theU.S. in 1988. On top of that, the company was expanding at a rapid rate internationally. Buffett knew thatCoca-Cola’s brand was so impenetrable that it was relatively untouchable.

Even with competition from Pepsi, Snapple and the many others that have come along since, Buffett’s $1billion bet on Coke is now worth over $16.4 billion. He also collects around $497 million per year in dividends

Buffett didn’t buy Coca-Cola because it was trading at an attractive price relative to past earnings or its balancesheet. The reason behind Buffett’s success with Coke was that he knew the strength of that brand. He knewthat even if the company didn’t grow much more, the brand would eventually pay for itself. Its economic moatwas too wide to ever penetrate.

Your third lifetime income opportunity has several brands that each dominate their markets. That and a

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38 Consecutive Years of Dividend Increases

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• Top performer on Standard & Poor’s500 Dividend Aristocrats Index

• 345th consecutive quarterly dividend since 1924



growing dividend will make it pay for itself and then some, just like Buffett’s Coca-Cola…

Brands to Bank onThe Clorox Co. (CLX:NYSE) holds either the first or second largest share of every household goods market

it competes in. It soundly controls 75% of global bleach sales. And Clorox makes a lot more than just bleach…

You may be surprised to know that the company also owns Brita water filtration, Armor All car care products,Pine-Sol household cleaners, Glad garbage bags, KC Masterpiece barbeque sauce, Kingsford charcoal and FreshStep kitty litter…to name a few.

And this is just the beginning of Clorox’s long list of products. With over a century of experience — and astrong set of brands — the company has been able to claim a dominant share of every market it competes in.

While the company doesn’t sell any soda, it does represent a parallel to Coca-Cola’s story…

A Growing International StarClorox is growing at a rapid pace internationally, just as Coke did in the late ‘80s and early ‘90s.

The company’s sales from abroad grew 16% in 2008 — making the international market its fastest growingsegment. Currently, Clorox sells 63 products and is quickly growing that number. These products range fromLestoil floor cleaner in Puerto Rico to Chux scrubbing sponges in New Zealand — all representing either theNo. 1 or No. 2 position in each country’s market.

This market position is very deliberate. Clorox searches out only top-tier brands and underexploited markets.

At the end of November 2007, the company completed the acquisition of Burt’s Bees — a specialist bodycare products leader. You may be familiar with this company’s main product, Burt’s Beeswax Lip Balm.

Burt’s filled Clorox’s brand-power requirement. It holds the No. 1 or No. 2 spot in five personal care categories.It is also growing at a rapid 9% rate.

It’s in a segment underexploited internationally — natural personal care. That gives Clorox the chance to

build on Burt’s powerful growth.

There’s so much more to this story than just one successful acquisition. Clorox is a constant in both goodmarkets and bad. That’s the real power of its brands.

For long-term income, it’s important to look at how these companies handle bear markets. Even as theeconomy has been slowing, Clorox’s private label competition has grown only a slim 1% over the past five years.

That is very telling. Even if people can barely afford their groceries, they are still paying the extra money forthe Clorox brand. There is a very simple reason for that…

Most consumers are very cautious about the quality of their health care and cleaning products. The majorityof people won’t gamble with the health of their family.

Its share price and dividend history proves this point. During the last long-term U.S. recession, of the late1980s and early 1990s, shares of Clorox climbed. So did the company’s dividend payments…

Getting Aggressive With Its DividendsClorox’s quarterly dividend shot from just 1.9 cents per share in 1983 to 50 cents per share today. The company

has kept this growth fairly steady from the start. But in recent years, it’s become much more aggressive with itsdividend plan.

By more than doubling its dividend payments this decade, the company is proving itself to income

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investors. One reason for this massivegrowth is Clorox’s DRP.

Starting with just $50, you can buyshares directly through the companyand sign up for the DRP. While Cloroxdoesn’t offer a discount like Piedmont, it

does make investing for retirement simple.Recession-proof, go-to retirement

investments like this are hard to find. While you have the chance, you should jump onboard.

Action to take: Buy shares of theClorox Co. (CLX:NYSE) for $61.33 orless. To request information on the company’s DRP and DSPP, call 1-888-259-6973.

Lifetime Income Opportunity No. 4:52 Years of Experience Lead You to a FreeRetirement Investment

If you are a coffee drinker, you have probably enjoyed a hot cup of Folgers at least once in your life. If youare a pet owner, there’s a chance you’ve fed your animal a bowl full of Iams. And we’re sure — at least, wehope — you’ve used soap, shampoo and razors a few times; in which case, you’re probably familiar withPantene and Mach3 products.

We bring it up because you’ve already helped your fourth go-to income investment realize $79 billion inrevenue and $13.4 billion in pure profits last year. We are talking about Procter & Gamble Co. (PG:NYSE).

P&G is a world leader in thousands of products. The company currently holds 24 brands that bring in atleast $1 billion in annual sales and 20 more that bring in at least $500 million.

That kind of brand loyalty has given P&G the market presence to work with “nearly 2 million potentialinnovation partners worldwide.” Think about that… the company has a fleet of innovators 2 million deep, allthinking up new ways to make the company (and its investors) money.

Now, we already talked about the importance of branding. Brands might not make the best country clubconversation, but should produce a steady stream of income for you. So let’s get started…

Experienced Market Leader Still Growing Double DigitsProcter & Gamble spent the last 52 years combining growth and shareholder value. Here’s what we mean by

that: Adjusted for stock splits, you would’ve received a mere penny in dividends for every share of P&G youowned in 1958. If you buy today, you receive $1.76 per share. But don’t think you missed out. In fact, you are

jumping in at just the right time.

First of all, P&G would not have been advisable 52 years ago. It just didn’t have any brands. Now thecompany can proudly boast that it has the top spot in the beauty, health and well-being and householdcare industries.

But more importantly, the company’s dividend yield is finally at a range you deserve. At 3%, shares of P&G

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Accelerating Dividend Growth$0.60

$0.50

$0.40

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Q u a r t e r l y D i v i d e n d s

1999199719951993 2007 200920120052003200119911989198719851983



are a steal. Shares haven’t been this cheapsince 1989. And believe us, you wish youwould have invested back then.

The company is holding strong with apayout ratio of just 35% over the last year.So there’s next to no chance of a dividend

cut or suspension.P&G’s income grew 17% in 2008 and

margins expanded a full percentage point —in an industry where that’s extremely diffi-cult. Mind you, this all happened during oneof the worst economic and market periodswe’ve ever encountered — there’s nothingmore powerful than branding…

P&G is so stable and such a reliableinvestment we’re going to actually show youwhat you can expect — down to the dollar.

If — after a few months or years — youdon’t feel like your investment is matchingup with this forecast, get out and put yourmoney elsewhere. And don’t worry… we’llkeep you updated on every piece of newsregarding your investment along the way.

Your Guide to a Free StockP&G has increased its annual dividend an

average of 11.21% per year, dating back to

1970. Based on that growth rate — whichhasn’t slowed down in the slightest — youshould receive a distribution check foraround $7.00 per share in 13 years.

Or put to you in real terms, you’d land a free investment during the 13th year; your dividends will finallymatch your initial investment.

If you don’t want to wait 13 years, no problem. P&G also offers a DRP and a DSPP. This will lower your freeinvestment threshold even further (depending on your initial investment and subsequent share purchases).

P&G is going to be around for quite a while, and so will your money…

Action to take: Buy shares of Procter & Gamble Co. (PG: NYSE) for $59.33 or less. To request infor-

mation on the company’s DRP and DSPP, call 1-800-742-6253 (513-983-3034 outside the U.S. and Canada)


Cashing in Is Easier Than Taking out the TrashIn market downturns, the absolute most important thing to remember is what your needs are. Just like

natural gas, there are many other needs in this world that will provide solid investments no matter what themarket is doing. This fourth company does just that.

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Income Collected

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Build Your Retirement With the Country’sSafest Industry

There’s a peculiar mismatch between people’s stereotypes of the parties and the way they actuallybehave in regard to the defense industry.

— Loren Thompson, Lexington Institute

While we are just a year into the Obama administration, it’s time to find new government income for you.The obvious places to look are in the health care, sciences and alternative energy industries. But there is oneinvestment that’s often overlooked when a Democrat, especially one so focused on “change,” comes into the

White House… defense.

Many investors run from the defense industry when they hear a Democrat coming. We are jumping right into it.

You see, the largest defense contracts in our nation’s history have come under Democrats. In fact, almostevery period of the military buildup has come from a left-of-center White House… with the exception of Ronald Reagan.

That’s one of the largest misconceptions about the industry. President Clinton was the first Democratto truly cut defense spending. But he did that as the United States was gearing down from the Cold War.

Even as Obama declared a troop reduction in Iraq, he’s building up our troop levels in Afghanistan. Thischange in strategy actually increases the number of defense contracts… especially supplemental ones. Thefirst defense budget already saw a 4% increase.

But there is a second aspect of these wars any good investor has to consider…

As we enter our seventh year of the war in Iraq and our ninth year of the one in Afghanistan, our weapons,vehicles and equipment are desperately overdue for repairs and upgrades.

Whether you are a Democrat or a Republican, you still have to provide our troops with the best equipment avail-able. It certainly wouldn’t look good for Obama to start cutting equipment upgrades to the troops in war zones.

Today, we have one of the largest recipients of defense spending. And with a dividend that’s doubled overthe past six years, now’s the time to strike.

The Ins and Outs of the Defense IndustryThere are thousands of companies that work in the defense industry. It’s such a broad sector. Defense spending

includes everything from aircraft carriers and tanks to gun scopes and night-vision goggles. And NorthropGrumman Corp. (NOC:NYSE) does it all.

Northrop is the fourth largest defense company, with some of the largest contracts across many fields. Justlast year, Northrop landed billions of dollars worth of crucial contracts for aircraft carriers, weapon systemsand radar equipment for the Navy. The company is sitting on a record $78 billion worth of backlog contracts.

Securing a few big contracts and keeping a large backlog is only half the story. It all depends on your exposureto consumer markets. Let me explain…

Companies like Boeing and General Dynamics have both seen enormous drops in the commercial segmentsof their businesses. When the economy tanks — as we’ve seen over the past few months — companies likethese that depend on airlines suffer. Obviously, people fly less. Airlines make less money. New aircraft spendingdrops. And Boeing’s profits are cut in half.

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On the other side of the coin, companies like Northrop Grumman and Lockheed Martin are less dependenton commercial activity. These companies’ largest customer is the U.S. government. And as we said, you don’thave to worry about that drying up any time soon.

The Obama presidency hasn’t affected Northrop’s business in the slightest. In fact, we could be on the vergeof a serious increase in contracts…

New Leadership and Reorganization Put Northrop in the Driver’s Seat As Obama cuts the troop levels in Iraq, companies like Lockheed Martin and Northrop are actually benefitting.

According to The Economic Times:

The supplemental budget would be the first to go… That would hurt companies that supply hardwareand logistics to active U.S. forces, but could free up money for long-term contracts building fighters,bombers, warships and missiles, the bread and butter for Lockheed Martin Corp., Northrop GrummanCorp. and other big contractors.

Northrop is on the top of that list to benefit. The Navy, for instance, prefers working with Northrop becauseof the company’s expertise in shipbuilding. It’s this type of government commitment and long-term stability thatfirst attracted us to Northrop. But it was the tremendous financials and fast-growing dividend that sold us on

the company.In 2008, the company’s top line grew $2.1 billion, to $33.9 billion, while its backlog grew another $14.4

billion. This isn’t just a recent trend. Over the last six years, Northrop has nearly tripled its earnings per share.More impressively, the company’s also more than doubled its dividend payments from 20 cents per quarter in2003 to 43 cents now.

The company’s payout ratio is just 32% (excluding a one-time write down). To put that into real terms,Northrop sends less than a third of its profit to shareholders. That means two important things for us: Thecompany is reinvesting heavily into future growth, and it is capable of many years of growing its dividend.

Low payout ratios are a great way to judge future income. Northrop’s is one of the best we’ve seen.

The company offers a DRP and a DSPP. This may be the best opportunity for you to slap down a large investmen

and let it ride.

Action to take: Buy shares of the Northrop Grumman Corp. (NOC:NYSE) for $53.33 or less. Torequest information on the company’s DRP and DSPP, call 1-877-498-8861.



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©2010 by Agora Financial, LLC. 808 St. Paul Street, Baltimore, MD 21202. All rights reserved. No part of this report may be reproduced bany means or for any reason without he consent of the publisher. The information contained herein is obtained from sources believed to

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