I will be out of the office starting  04/16/2004 and will not return until
09/28/2005.

I am no longer employed by ING.  I will be unabel to respond.  If your
message is business related, please direct your message to Allison Andrews
at andrewsal AT us.ibm DOT com.  If your message is personal, please direct your
message to mbwalshmpls AT comcast DOT net.

Thank you.



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