<HTML>In a message dated 10/30/2002 9:56:00 PM Eastern Standard Time, RNossaman@cox.net writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">So why don't they all start with "0" for the first year? Ron N </BLOCKQUOTE> Well, I'd think they'd start with #1. Like a new checking account, nobody trusts the low numbers.......? Gordon Large, RPT Maine</HTML>