Disclosure COMPLIANCE DISCLOSURE: All written content on this site is for information purposes only. Opinions expressed herein are solely those of Nancy Scanlan, Principal, Plans a la Carte, and her editorial staff. Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Links to other sites endorsing a stock should not be construed to be a recommendation of that stock by Plans a la Carte or by any member of The Garrett Planning Network, Inc. Fee-only financial planning and investment advisory services are offered only in the California, the state in which Plans a la Carte is licensed. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than California. (Registered Investment Advisors are legally empowered to provide investment advisory services only to residents of the states in which they are licensed). COPYRIGHT NOTICE: All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. Text and articles (except otherwise noted) (C) 2003 Nancy Scanlan. GPN logos: (C) 2000 Garrett Planning Network, Inc., Sheryl Garrett, Principal. "Building Brighter Financial Futures" and "Financial Planning and Advice for Everyday Life" and "Hourly, As-Needed Financial Planning and Advice for Everyday Life ... The New Choice for Smart Consumers" are GPN-trademarked slogans.TM. Articles from FPA, New York Times, and other organizations (C) by those organizations, as noted. Our lawyers made us say this. ©2003 Plans a la Carte. All rights reserved