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                             REAL AVERAGE ANNUAL RETURN
INVESTMENT                        Jan. 1926-May 1998

STANDARD & POOR'S 500                   7.8%
LONG-TERM U.S. TREASURY BONDS           2.1
30-DAY U.S. TREASURY BILLS              0.7

DATA: IBBOTSON ASSOCIATES


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Updated June 11, 1998 by bwwebmaster
Copyright 1998, Bloomberg L.P.
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