Duffy, Cardwell, Clark & Clarke

<body> </head> <body text="#003366" link="#003366" vlink="#003366" alink="#003366" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#003366; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=3215" target="_top"> <img src="/files/newsletters/tsr11121.gif" border="0" width="120" height="50" alt="HOT TOPIC: European News Causes Market Mood Swings" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#003366"> <strong>HOT TOPIC: European News Causes Market Mood Swings</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#003366; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=3590" target="_top"> <img src="/files/newsletters/tsr12055.gif" border="0" width="120" height="50" alt="Designating Retirement Plan Beneficiaries" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#003366"> <strong>Designating Retirement Plan Beneficiaries</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; 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