Mike and all, We will be conducting another NYSAHI conference call on monday night. The purpose is to develop a direction on changes to the makeup of the council and also the DOS desire to control the Companies. My best guess is that neither will be a deal killer, however there are greater minds than mine looking at this thing. The effective date will be Jan 1, 2005 for those that are interested. I,ll post any info I can. Tom Corrigan