Who is Al Koch? - (GM to file for Chapter 11)

Read on Bloomberg "GM to Name Al Koch to Top Restructuring Position, WSJ Reports"

Also on marketwatch "GM set to file Ch. 11 Monday morning"

Who is AL Koch?

Albert A. Koch, a turnaround specialist and managing director at the advisory company AlixPartners LLP, was a partner with Ernst & Young for 14 years, including seven years as Managing Partner of the firm's Detroit office. He holds a bachelor's degree in accounting from Elizabethtown College, and is a member of several professional associations. He is a Certified Turnaround Professional and a Fellow of the American College of Bankruptcy, its Treasurer and a member of its Board of Directors. He also is a member of the American Bankruptcy Institute, and the American Institute of CPAs.

Mr. Koch served as interim Chief Financial Officer of Kmart Corporation. In this position, he provided executive leadership and led the development of a multi-year operating business plan, as well as driving financial performance in conformity with the plan. His other assignments have included serving as interim CFO of Oxford Health Plans and leading the restructuring of Ryder System, Inc., which resulted in the building of significant shareholder value.

In 30th June 2002, Al Koch was appointed as interim President & CEO of Champion Enterprises Inc which was in the brink of bankruptcy. To prevent chapter 11 filing, he closed down the company's (manufactured) housing loan origination business, HomePride Finance Corp, four manufacturing facilities and 35 retail sales centers. After putting the company on the path to sustainable profitablity, he stepped down and a new CEO was appointed in 2004. But was the success of the turnaround due to the housing bubble that was brewing because of Greenspan's low interest rate. Currently the company's shares are trading at $0.44.

By appointed Al Koch, GM is again doing more of the same - appointing accountants and business graduates to the top position. They need to appointing someone with engineering experience with an understanding of business, reason being GM is firstly an engineering company and secondly a manufacturing company. This current appointment will send the wrong message to the rank and file.

Hybrid Assistive Limb 5 (HAL 5) From CYBERDYNE Inc

"Robot Suit HAL" is a cyborg-type robot that can expand and improve physical capability.

Photo essay on Cyberdyne's Real Robot at Time.com

Super Size Me

Market Gained over 1 Pct in the last 22 mins

On 29 may 2009 market moved up towards the end of the market after a choppy day.

From Marketwatch.com

U.S. stocks post firm gains for the month of May

NEW YORK (MarketWatch) -- U.S. stocks finished the week and the month of May on a high note, as rallying commodities led the market to higher ground on Friday and helped give the broad market a 5.3% gain for the month. After a late rally on Friday, the Dow Jones Industrial Average (INDU 8,500, +96.69, +1.15%) gained 96 points, or 1.1%, to end at 8,500. Shares of General Motors Corp. (GM 0.78, +0.03, +4.00%) still slumped 33% as markets braced for the auto giant's bankruptcy. The S&P 500 index (SPX 919.14, +12.31, +1.36%) rose 12 points, or 1.4%, to 919, while the Nasdaq Composite (COMP 1,774, +22.54, +1.29%) rose 22 points, or 1.3%, to 1,774. For the week, the Dow gained 2.7%, the S&P rose 3.6%, and the Nasdaq gained 4.9%. For the month, the Dow rose 4%, the S&P gained 5.3%, and the Nasdaq rose 3.3%.

US Stocks Slightly Higher In Choppy Trade; Materials Up - MarketWatch

US Stocks Slightly Higher In Choppy Trade; Materials Up - MarketWatch

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Rethink your email, IM, Text Messaging - With Google Wave

Came across an article on nextbigfuture.com about Google Wave, a new model for communication and collaboration on the web

Other E Reader -readius

Weight:
Ultra light. At 115g just one third the average weight of current eBook readers
Display size:
Large 5" display, 16 greyscales
Device size:
The only pocket sized eReader
Battery life:
30 hours of continuous reading
Connectivity:
Global wireless connectivity, with the greatest coverage of any eReader (Tri Band/3.5G HSDPA)
Supporting ActiveSync and USB mass storage (USB FS)
Communication with accessories and other devices (Bluetooth 2.0)
Processor:
Powerful processing engine (ARM11 400MHz)
Storage:
Flexible, today commercially available up to 8GB (High Capacity Micro SD)
User Interface:
Just 8 SimpleTouch Buttons

New E Readers' - Kindle take note

New E Reader Amazon Kindle alternative

Watch this report on Cool-er Reader by David Pogue.

Coolreaders specification click here

Alexander Wolfe in his blog did make a good point

The deal is, ebook competitors can come up with platforms which slice bread and take you out dancing. It won't matter. Amazon has become the iTunes of the electronic book world, and its competitors are destined to fates comparable to those of the iPod's mp3-player alternatives. Namely, miniscule market shares.

But this new product, which already is making buzz in the electronic world, is more about the technology than the content in its library. Plastic Logic has made a reader using plastic screen thereby reducing weight. Hopefully Amazon can incorporate it in the next version Kindle 3.0.

Here is what Technology Review wrote about this new product

Plastic Logic's Touch-Screen E-Reader

The company hopes to carve out a niche with its touch-based interface.

As with both the Kindle and the Sony Reader, Plastic Logic's display is built using E-ink: black and white microcapsules are suspended in a liquid and controlled using an electric charge. When a charge is applied, the microcapsules assume their position and form black text on a white background. However, in Plastic Logic's reader, the E-ink is deposited on a lightweight plastic backplane instead of on a glass backplane. Plastic Logic says that the plastic backplane allows for a larger reading area without adding more weight or bulk, and this makes the device more robust.

Plastic Logic hopes to further distinguish its reader from Amazon's Kindle and the Sony Reader by targeting those who read business documents created using Microsoft Office and Adobe Acrobat, as well as image files and standard e-reader files. The goal is to eliminate "the huge stack of papers that people take with them when they travel," says Glass. Many people need to sort through thousands of documents quickly, he adds, and want to mark them up by circling or underlining items or by adding notes.

Watch Video from MIT Tech Review website.

What's the next holy grail for e-reader "Color Display"

50 Best Websites 2008 - TIME

GasBuddy - 50 Best Websites 2008 - TIME

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Sorting the Jewels from the Junk in the iTunes Store - Top 11 iPhone Applications - TIME

Sorting the Jewels from the Junk in the iTunes Store - Top 11 iPhone Applications - TIME

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Stocks cling to gains after sentiment uptick - MarketWatch

Stocks cling to gains after sentiment uptick - MarketWatch

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Microsoft Bing: The Full Press Release

Microsoft Bing: The Full Press Release

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U.S. stocks pointing higher with data, GM in view - MarketWatch

U.S. stocks pointing higher with data, GM in view - MarketWatch

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S&P Futures up 4.5 (0.5%), Nasday Futures up 4.25 points (0.3%) and Dow futures up 37 points (0.44%) on June 09 contracts. (9.08 AM)

John Dvorak's Second Opinion: The good news and bad news on Bing - MarketWatch

John Dvorak's Second Opinion: The good news and bad news on Bing - MarketWatch

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Stocks regain pace after Treasury auction - MarketWatch

Stocks regain pace after Treasury auction - MarketWatch

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PC Mag Bing Screen Print -- Who is Sascha Segan?

Lazy to do another print screen. In slide show related to today's (05/28) PC magazine article " Hands On with Microsoft's Bing Search" you can see a Microsoft outlook notification at the bottom of the screen from Sascha Segan.

US Stocks Turn Lower On New Home Sales Data - MarketWatch

US Stocks Turn Lower On New Home Sales Data - MarketWatch

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U.S. stocks turn negative after housing data - MarketWatch

U.S. stocks turn negative after housing data - MarketWatch

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Futures up

The S&P 500 Jun 08 is up 4.5 (0.50%) Nasdaq 100 Jun 09 up 6.5 points (0.46%) and Dow Jones Futures is up 47 points (0.57%) at9.28 AM (28 May 2009)

Futures edge higher after strong durable goods data

Auto sector remains in focus; Time Warner to spin off AOL unit

US Census Bureau

New Orders

New orders for manufactured durable goods in April increased $3.0 billion or 1.9 percent to $161.5 billion, the U.S. Census Bureau announced today. This was the second increase in the last three months and followed a 2.1 percent March decrease. Excluding transportation, new orders increased 0.8 percent. Excluding defense, new orders also increased 1.0 percent.

Shipments

Shipments of manufactured durable goods in April, down nine consecutive months, decreased $0.3 billion or 0.2 percent to $174.2 billion. This was the longest streak of consecutive monthly decreases since the series was first published on a NAICS basis in 1992 and followed a 1.9 percent March decrease.

Unfilled Orders

Unfilled orders for manufactured durable goods in April, down seven consecutive months, decreased $8.9 billion or 1.2 percent to $748.9 billion. This followed a 1.7 percent March decrease.

Inventories

Inventories of manufactured durable goods in April, down four consecutive months, decreased $2.6 billion or 0.8 percent to $327.0 billion. This followed a 1.7 percent March decrease.

Capital Goods Industries

Nondefense

Nondefense new orders for capital goods in April decreased $1.0 billion or 2.0 percent to $49.5 billion.

Defense

Defense new orders for capital goods in April increased $2.0 billion or 23.2 percent to $10.8 billion.

FDIC - Report more banks in problem list

Twenty-one FDIC-insured institutions failed during the first quarter, the largest number since the fourth quarter in 1992. The FDIC's "Problem List" grew during the quarter from 252 to 305 institutions, and total assets of problem institutions increased from $159 billion to $220 billion.

Not Generating enough cash/profits?

Three out of five insured institutions reported lower net income in the first quarter and one in five was unprofitable.

Commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation (FDIC) reported net income of $7.6 billion in the first quarter of 2009, a decline of $11.7 billion (60.8 percent) from the $19.3 billion that the industry earned in the first quarter of 2008.

Read the full press release

list of failed banks since 2000

This list includes banks which have failed since October 1, 2000. Bank Name CERT # Closing Date Updated Date Citizens National Bank, Macomb, IL 5757 May 22 2009 May 27 2009 Strategic Capital Bank, Champaign, IL 35175 May 22 2009 May 27 2009 BankUnited, FSB, Coral Gables, FL 32247 May 21 2009 May 27, 2009 Westsound Bank, Bremerton, WA 34843 May 8, 2009 May 12, 2009 America West Bank, Layton, UT 35461 May 1, 2009 May 18, 2009 Citizens Community Bank, Ridgewood, NJ 57563 May 1, 2009 May 7, 2009 Silverton Bank, N.A., Atlanta, GA 26535 May 1, 2009 May 7, 2009 First Bank of Idaho, Ketchum, ID 34396 April 24, 2009 May 18, 2009 First Bank of Beverly Hills, Calabasas, CA 32069 April 24, 2009 May 18, 2009 Michigan Heritage Bank, Farmington Hills, MI 34369 April 24, 2009 May 7, 2009 American Southern Bank, Kennesaw, GA 57943 April 24, 2009 May 7, 2009 Great Basin Bank of Nevada, Elko, NV 33824 April 17, 2009 May 18, 2009 American Sterling Bank, Sugar Creek, MO 8266 April 17, 2009 May 7, 2009 New Frontier Bank, Greeley, CO 34881 April 10, 2009 May 7, 2009 Cape Fear Bank, Wilmington, NC 34639 April 10, 2009 May 7, 2009 Omni National Bank, Atlanta, GA 22238 March 27, 2009 May 7, 2009 TeamBank, National Association, Paola, KS 4754 March 20, 2009 May 7, 2009 Colorado National Bank, Colorado Springs, CO 18896 March 20, 2009 May 7, 2009 FirstCity Bank, Stockbridge, GA 18243 March 20, 2009 May 7, 2009 Freedom Bank of Georgia, Commerce, GA 57558 March 6, 2009 May 7, 2009 Security Savings Bank, Henderson, NV 34820 February 27, 2009 May 7, 2009 Heritage Community Bank, Glenwood, IL 20078 February 27, 2009 May 7, 2009 Silver Falls Bank, Silverton, OR 35399 February 20, 2009 May 7, 2009 Pinnacle Bank of Oregon, Beaverton, OR 57342 February 13, 2009 May 7, 2009 Corn Belt Bank and Trust Company, Pittsfield, IL 16500 February 13, 2009 May 7, 2009 Riverside Bank of the Gulf Coast, Cape Coral, FL 34563 February 13, 2009 May 7, 2009 Sherman County Bank, Loup City, NE 5431 February 13, 2009 May 7, 2009 County Bank, Merced, CA 22574 February 6, 2009 May 7, 2009 Alliance Bank, Culver City, CA 23124 February 6, 2009 May 7, 2009 FirstBank Financial Services, McDonough, GA 57017 February 6, 2009 May 7, 2009 Ocala National Bank, Ocala, FL 26538 January 30, 2009 May 7, 2009 Suburban Federal Savings Bank, Crofton, MD 30763 January 30, 2009 May 7, 2009 MagnetBank, Salt Lake City, UT 58001 January 30, 2009 May 7, 2009 1st Centennial Bank, Redlands, CA 33025 January 23, 2009 May 1, 2009 Bank of Clark County, Vancouver, WA 34959 January 16, 2009 April 24, 2009 National Bank of Commerce, Berkeley, IL 19733 January 16, 2009 April 24, 2009 Sanderson State Bank, Sanderson, TX En Español 11568 December 12, 2008 April 24, 2009 Haven Trust Bank, Duluth, GA 35379 December 12, 2008 April 24, 2009 First Georgia Community Bank, Jackson, GA 34301 December 5, 2008 April 24, 2009 PFF Bank and Trust, Pomona, CA 28344 November 21, 2008 April 24, 2009 Downey Savings and Loan, Newport Beach, CA 30968 November 21, 2008 April 24, 2009 The Community Bank, Loganville, GA 16490 November 21, 2008 April 24, 2009 Security Pacific Bank, Los Angeles, CA 23595 November 7, 2008 April 24, 2009 Franklin Bank, SSB, Houston, TX 26870 November 7, 2008 April 24, 2009 Freedom Bank, Bradenton, FL 57930 October 31, 2008 April 24, 2009 Alpha Bank & Trust, Alpharetta, GA 58241 October 24, 2008 April 28, 2009 Meridian Bank, Eldred, IL 13789 October 10, 2008 April 24, 2009 Main Street Bank, Northville, MI 57654 October 10, 2008 April 24, 2009 Washington Mutual Bank, Henderson, NV and Washington Mutual Bank FSB, Park City, UT 32633 September 25, 2008 April 24, 2009 Ameribank, Northfork, WV 6782 September 19, 2008 April 24, 2009 Silver State Bank, Henderson, NV En Español 34194 September 5, 2008 April 28, 2009 Integrity Bank, Alpharetta, GA 35469 August 29, 2008 April 24, 2009 The Columbian Bank and Trust, Topeka, KS 22728 August 22, 2008 April 24, 2009 First Priority Bank, Bradenton, FL 57523 August 1, 2008 April 24, 2009 First Heritage Bank, NA, Newport Beach, CA 57961 July 25, 2008 April 24, 2009 First National Bank of Nevada, Reno, NV 27011 July 25, 2008 April 24, 2009 IndyMac Bank, Pasadena, CA 29730 July 11, 2008 April 24, 2009 First Integrity Bank, NA, Staples, MN 12736 May 30, 2008 April 24, 2009 ANB Financial, NA, Bentonville, AR 33901 May 9, 2008 April 24, 2009 Hume Bank, Hume, MO 1971 March 7, 2008 April 24, 2009 Douglass National Bank, Kansas City, MO 24660 January 25, 2008 April 24, 2009 Miami Valley Bank, Lakeview, OH 16848 October 4, 2007 April 24, 2009 NetBank, Alpharetta, GA 32575 September 28, 2007 April 24, 2009 Metropolitan Savings Bank, Pittsburgh, PA 35353 February 2, 2007 April 24, 2009 Bank of Ephraim, Ephraim, UT 1249 June 25, 2004 April 9, 2008 Reliance Bank, White Plains, NY 26778 March 19, 2004 April 9, 2008 Guaranty National Bank of Tallahassee, Tallahassee, FL 26838 March 12, 2004 April 24, 2009 Dollar Savings Bank, Newark, NJ 31330 February 14, 2004 April 9, 2008 Pulaski Savings Bank, Philadelphia, PA 27203 November 14, 2003 July 22, 2005 The First National Bank of Blanchardville, Blanchardville, WI 11639 May 9, 2003 April 24, 2009 Southern Pacific Bank, Torrance, CA 27094 February 7, 2003 October 20, 2008 The Farmers Bank of Cheneyville, Cheneyville, LA 16445 December 17, 2002 October 20, 2004 The Bank of Alamo, Alamo, TN 9961 November 8, 2002 March 18, 2005 AmTrade International Bank of Georgia, Atlanta, GA En Español 33784 September 30, 2002 September 11, 2006 Universal Federal Savings Bank, Chicago, IL 29355 June 27, 2002 April 9, 2008 Connecticut Bank of Commerce, Stamford, CT 19183 June 26, 2002 April 24, 2009 New Century Bank, Shelby Township, MI 34979 March 28, 2002 March 18, 2005 Net 1st National Bank, Boca Raton, FL 26652 March 1, 2002 April 9, 2008 NextBank, N.A., Phoenix, AZ 22314 February 7, 2002 April 24, 2009 Oakwood Deposit Bank Company, Oakwood, OH 8966 February 1, 2002 April 24, 2009 Bank of Sierra Blanca, Sierra Blanca, TX 22002 January 18, 2002 November 6, 2003 Hamilton Bank, N.A., Miami, FL En Español 24382 January 11, 2002 April 24, 2009 Sinclair National Bank, Gravette, AR 34248 September 7, 2001 February 10, 2004 Superior Bank, FSB, Hinsdale, IL 32646 July 27, 2001 April 24, 2009 The Malta National Bank, Malta, OH 6629 May 3, 2001 November 18, 2002 First Alliance Bank & Trust Company, Manchester, NH 34264 February 2, 2001 February 18, 2003 National State Bank of Metropolis, Metropolis, IL 3815 December 14, 2000 March 17, 2005 Bank of Honolulu, Honolulu, HI 21029 October 13, 2000 March 17, 2005

Last Updated 05/27/2009

NAR Survey - Rises for existing homes - Most Sales in Lower end

“Most of the sales are taking place in lower price ranges and activity is beginning to pick up in the midprice ranges, but high-end home sales remain sluggish,”

An NAR practitioner survey in April showed first-time buyers declined to 40 percent of transactions, implying more repeat buyers are entering the traditional spring home-buying season.

Total housing inventory at the end of April rose 8.8 percent to 3.97 million existing homes available for sale, which represents a 10.2.-month supply³ at the current sales pace, compared with a 9.6-month supply in March. “The gain in inventory is largely seasonal from sellers entering the spring market. Even with the rise, inventory over the past few months has remained consistently lower in comparison with a year earlier ...read more original press release

Marketwatch report's - Home sales rise 2.9%, boosted by bottom fishing

Prices drop 15.4% while inventories continue to climb

For Data Junkies: 30yrs Fixed-Rate Mortgages since 1971

Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971

	2009		2008		2007		2006		2005
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	5.05	0.7	5.76	0.4	6.22	0.4	6.15	0.5	5.71	0.7
February	5.13	0.7	5.92	0.5	6.29	0.4	6.25	0.6	5.63	0.7
March	5.00	0.7	5.97	0.5	6.16	0.4	6.32	0.6	5.93	0.7
April	4.81	0.7	5.92	0.4	6.18	0.5	6.51	0.6	5.86	0.6
May			6.04	0.5	6.26	0.4	6.60	0.5	5.72	0.6
June			6.32	0.7	6.66	0.4	6.68	0.5	5.58	0.6
July			6.43	0.6	6.70	0.4	6.76	0.5	5.70	0.5
August			6.48	0.7	6.57	0.4	6.52	0.4	5.82	0.5
September			6.04	0.7	6.38	0.5	6.40	0.5	5.77	0.6
October			6.20	0.6	6.38	0.5	6.36	0.4	6.07	0.5
November			6.09	0.7	6.21	0.4	6.24	0.5	6.33	0.6
December			5.29	0.7	6.10	0.5	6.14	0.4	6.27	0.5
Annual Average			6.03	0.6	6.34	0.4	6.41	0.5	5.87	0.6

	2004		2003		2002		2001		2000
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	5.71	0.7	5.92	0.6	7.00	0.8	7.03	0.9	8.21	1.0
February	5.64	0.7	5.84	0.6	6.89	0.7	7.05	1.0	8.33	1.0
March	5.45	0.7	5.75	0.6	7.01	0.7	6.95	0.9	8.24	1.0
April	5.83	0.7	5.81	0.6	6.99	0.7	7.08	0.9	8.15	1.0
May	6.27	0.7	5.48	0.6	6.81	0.7	7.15	1.0	8.52	1.0
June	6.29	0.6	5.23	0.6	6.65	0.6	7.16	1.0	8.29	0.9
July	6.06	0.6	5.63	0.5	6.49	0.6	7.13	0.9	8.15	0.9
August	5.87	0.7	6.26	0.7	6.29	0.6	6.95	0.9	8.03	1.0
September	5.75	0.7	6.15	0.6	6.09	0.6	6.82	0.9	7.91	1.0
October	5.72	0.7	5.95	0.6	6.11	0.6	6.62	0.9	7.80	1.0
November	5.73	0.6	5.93	0.6	6.07	0.6	6.66	0.8	7.75	0.9
December	5.75	0.6	5.88	0.7	6.05	0.6	7.07	0.8	7.38	1.0
Annual Average	5.84	0.7	5.83	0.6	6.54	0.6	6.97	0.9	8.05	1.0

	1999		1998		1997		1996		1995
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	6.79	0.9	6.99	1.4	7.82	1.8	7.03	1.8	9.15	1.8
February	6.81	1.0	7.04	1.2	7.65	1.7	7.08	1.7	8.83	1.9
March	7.04	0.9	7.13	1.2	7.90	1.8	7.62	1.8	8.46	1.8
April	6.92	1.0	7.14	1.0	8.14	1.7	7.93	1.8	8.32	1.9
May	7.15	1.0	7.14	1.1	7.94	1.7	8.07	1.7	7.96	1.8
June	7.55	1.0	7.00	1.0	7.69	1.7	8.32	1.7	7.57	1.8
July	7.63	1.0	6.95	1.1	7.50	1.8	8.25	1.8	7.61	1.8
August	7.94	1.0	6.92	1.1	7.48	1.7	8.00	1.7	7.86	1.8
September	7.82	1.0	6.72	1.0	7.43	1.7	8.23	1.7	7.64	1.8
October	7.85	1.0	6.71	0.9	7.29	1.7	7.92	1.7	7.48	1.9
November	7.74	1.0	6.87	0.9	7.21	1.7	7.62	1.8	7.38	1.8
December	7.91	1.0	6.74	1.0	7.10	1.8	7.60	1.7	7.20	1.8
Annual Average	7.44	1.0	6.94	1.1	7.6	1.7	7.81	1.7	7.93	1.8

	1994		1993		1992		1991		1990
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	7.07	1.7	7.99	1.6	8.43	1.8	9.64	2.1	9.90	2.1
February	7.15	1.8	7.68	1.5	8.76	1.8	9.37	2.0	10.20	2.1
March	7.68	1.7	7.50	1.6	8.94	1.9	9.50	2.1	10.27	2.1
April	8.32	1.8	7.46	1.7	8.85	1.7	9.50	2.0	10.37	2.1
May	8.60	1.8	7.47	1.8	8.67	1.7	9.47	2.0	10.48	2.0
June	8.40	1.8	7.42	1.6	8.51	1.7	9.62	2.1	10.16	2.0
July	8.61	1.8	7.21	1.6	8.13	1.6	9.58	2.0	10.04	2.0
August	8.51	1.8	7.11	1.5	7.98	1.7	9.24	1.9	10.10	2.0
September	8.64	1.8	6.91	1.5	7.92	1.7	9.01	1.9	10.18	2.1
October	8.93	1.8	6.83	1.5	8.09	1.8	8.86	1.9	10.17	2.2
November	9.17	1.8	7.16	1.6	8.31	1.9	8.71	1.8	10.01	2.1
December	9.20	1.8	7.17	1.7	8.21	1.6	8.50	1.8	9.67	1.9
Annual Average	8.38	1.8	7.31	1.6	8.39	1.7	9.25	2.0	10.13	2.1

	1989		1988		1987		1986		1985
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	10.73	2.1	10.38	2.0	9.20	2.2	10.89	2.3	13.08	2.5
February	10.65	2.2	9.89	2.1	9.08	2.1	10.71	2.3	12.92	2.4
March	11.03	2.2	9.93	2.0	9.04	2.1	10.08	2.3	13.17	2.6
April	11.05	2.2	10.20	2.1	9.83	2.3	9.94	2.2	13.20	2.6
May	10.77	2.1	10.46	2.1	10.60	2.3	10.15	2.3	12.91	2.5
June	10.20	2.1	10.46	2.0	10.54	2.2	10.69	2.3	12.22	2.5
July	9.88	2.1	10.43	2.0	10.28	2.2	10.51	2.2	12.03	2.5
August	9.99	2.1	10.60	2.2	10.33	2.1	10.20	2.1	12.19	2.6
September	10.13	2.0	10.48	2.1	10.89	2.2	10.01	2.2	12.19	2.6
October	9.95	2.0	10.30	1.9	11.26	2.2	9.98	2.1	12.14	2.5
November	9.77	2.0	10.27	2.1	10.65	2.1	9.70	2.0	11.78	2.4
December	9.74	2.0	10.61	2.1	10.64	2.1	9.32	2.1	11.26	2.3
Annual Average	10.32	2.1	10.34	2.1	10.21	2.2	10.19	2.2	12.43	2.5

	1984		1983		1982		1981		1980
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	13.37	2.3	13.25	2.2	17.48	2.2	14.90	2.0	12.88	1.6
February	13.23	2.4	13.04	2.0	17.60	2.2	15.13	2.0	13.04	1.6
March	13.39	2.4	12.80	2.2	17.16	2.2	15.40	2.0	15.28	2.0
April	13.65	2.4	12.78	2.1	16.89	2.3	15.58	2.0	16.32	1.9
May	13.94	2.5	12.63	2.1	16.68	2.3	16.40	2.1	14.26	1.9
June	14.42	2.5	12.87	2.1	16.70	2.2	16.70	2.1	12.71	1.8
July	14.67	2.6	13.43	2.2	16.82	2.2	16.83	2.1	12.19	1.8
August	14.47	2.6	13.81	2.2	16.27	2.3	17.28	2.1	12.56	1.7
September	14.35	2.6	13.73	2.2	15.43	2.3	18.16	2.1	13.20	1.7
October	14.13	2.6	13.54	2.1	14.61	2.2	18.45	2.3	13.79	1.7
November	13.64	2.5	13.44	2.1	13.82	2.2	17.82	2.1	14.21	1.7
December	13.18	2.5	13.42	2.2	13.62	2.2	16.95	2.1	14.79	1.7
Annual Average	13.88	2.5	13.24	2.1	16.04	2.2	16.63	2.1	13.74	1.8

	1979		1978		1977		1976		1975
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	10.39	1.5	9.01	1.3	8.72	1.1	9.02	1.1	9.43	1.2
February	10.41	1.5	9.14	1.3	8.67	1.1	8.81	1.0	9.10	1.2
March	10.43	1.5	9.20	1.3	8.69	1.2	8.76	1.3	8.89	1.1
April	10.50	1.5	9.35	1.3	8.75	1.1	8.73	1.3	8.82	1.0
May	10.69	1.6	9.57	1.3	8.83	1.1	8.76	1.3	8.91	1.1
June	11.04	1.6	9.71	1.4	8.86	1.1	8.85	1.3	8.89	1.0
July	11.09	1.7	9.74	1.4	8.94	1.1	8.93	1.2	8.89	1.1
August	11.09	1.7	9.78	1.3	8.94	1.1	9.00	1.2	8.94	1.1
September	11.30	1.6	9.76	1.3	8.90	1.1	8.98	1.2	9.12	1.1
October	11.64	1.7	9.86	1.2	8.92	1.2	8.92	1.2	9.22	1.1
November	12.83	1.7	10.11	1.2	8.92	1.1	8.81	1.3	9.15	1.1
December	12.90	1.6	10.35	1.4	8.96	1.2	8.79	1.2	9.10	1.1
Annual Average	11.20	1.6	9.64	1.3	8.85	1.1	8.87	1.2	9.05	1.1

	1974		1973		1972		1971
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	8.54	1.0	7.44	0.9	7.44	1.0	na	na
February	8.46	1.0	7.44	1.0	7.32	0.9	na	na
March	8.41	1.0	7.46	0.9	7.29	0.9	na	na
April	8.58	1.0	7.54	0.9	7.29	0.9	7.31	na
May	8.97	1.1	7.65	0.9	7.37	0.9	7.43	na
June	9.09	1.2	7.73	0.9	7.37	0.9	7.53	na
July	9.28	1.3	8.05	1.0	7.40	0.9	7.60	na
August	9.59	1.3	8.50	1.0	7.40	0.9	7.70	na
September	9.96	1.4	8.82	1.1	7.42	1.0	7.69	na
October	9.98	1.5	8.77	1.1	7.42	1.0	7.63	na
November	9.79	1.4	8.58	1.0	7.43	1.0	7.55	na
December	9.62	1.3	8.54	1.0	7.44	1.0	7.48	na
Annual Average	9.19	1.2	8.04	1.0	7.38	0.9	na	na

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