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Securities and advisory services offered through Wall Street Financial Group, Inc., Registered Investment Advisor, Member FINRA/SIPC Wall Street Financial Group, Inc. may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. Any communications with prospective clients residing in international jurisdictions where Wall Street Financial Group, Inc., and its registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements. Insurance services from D. Robert Anderson may not be provided to individuals residing in any states other than NY. Insurance services from Spencer Corzine may not be provided to individuals residing in any states other than NY and VA. Insurance products are not offered through Wall Street Financial Group, Inc. Securities services from D. Robert Anderson may not be provided to individuals residing in any states other than CA, FL, GA, MD, NY, NC, OK, and VA. Securities services from Spencer Corzine may not be provided to individuals residing in any states other than CA, FL, GA, MD, NY, NC, OK, PA, SC, and VA. Advisory services from D. Robert Anderson may not be provided to individuals residing in any states other than CA, MD, NY, NJ, and FL. Advisory services from Spencer Corzine may not be provided to individuals residing in any states other than CA, MD, NJ, NY and FL. Wall Street Financial Group did not assist in the preparation of this material, and its accuracy and completeness are not guaranteed. The opinions expressed are those of the author(s) and are not necessarily those of Wall Street Financial Group, Inc. The material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Wall Street Financial Group, Inc. is not responsible for information contained on websites listed herein. Wall Street Financial Group, Inc., Anderson-Van Horne Associates, Inc., and companies with websites listed herein are all separate entities, independently owned and operated. Copyright 2003 © The Mines Press