TYPE:  SC 13G/A
 SEQUENCE:  1
 DESCRIPTION:  SC 13G/A



                       SECURITIES AND EXCHANGE COMMISSION


                              Washington, DC 20549

                  Under the Securities and Exchange Act of 1934
                                  Schedule 13G
                                (Amendment No. 3)

                               GOLD STANDARD, INC.
                                (Name of Issuer)

                                  Common Stock
                         (Title of Class of Securities )

                                   380724104
                                 (CUSIP NUMBER)

                                  December 31, 2002
        (Date of Event Requires Filing of This Statement)

Check appropriate box to designate the rule pursuant to which
this schedule is filed:
          [X] Rule 13d-1(b)
          [  ] Rule 13d-1(c)
          [  ] Rule 13d-1(d)


* The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class
of securities,
and for any subsequent amendment containing information which
would alter
the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be
deemed to be 'filed' for the purpose of Section 18 of the Securities
Exchange Act
of 1934 ('Act') or otherwise subject to the liabilities of that section
of the Act but
shall be subject to all other provisions of the Act (however, see the Notes).




1)         Name of Reporting Person:     CNA Financial Corporation

           SS or IRS Identification      36-6169860
           Nos. of Above Persons:

2)         Check the Appropriate Box     (a)       (b) X
           If A Member of Group
           (See Instructions)

3)         SEC Use Only

4)         Citizenship or Place of Organization      Delaware

           Number of          (5)  Sole Voting Power          0
           Shares
           Beneficially Owned (6)  Shared Voting Power        82,813*
           by Each Reporting
           Person With:       (7)  Sole Dispositive Power     0

                              (8)  Shared Dispositive Power:  82,813*

9)         Aggregate Amount Beneficially
           Owned by Each Reporting Person                     82,813*

10)        Check if the Aggregate Amount in Row (9)
           Excludes Certain Shares (See Instructions)

11)        Percent of Class
           Represented By Amount in Row 9                     6.5%

12)        Type of Reporting
           Person (See Instructions)                          HC

* Under Illinois Law, assets owned by Continental  Casualty  Company an Illinois
insurance company, are solely under the control of the board of directors of the
insurer.  The  characterization  of shared  dispositive  power  with the  parent
holding is made solely as a consequence of SEC interpretations regarding control
of the subsidiary.  CNA Financial Corporation and Loews Corporation specifically
disclaim benefical ownership of the securities identified herein.





1)         Name of Reporting Person:     Loews Corporation

           SS or IRS Identification      13-2646102
           Nos. of Above Persons:

2)         Check the Appropriate Box     (a)       (b) X
           If A Member of Group
           (See Instructions)

3)         SEC Use Only

4)         Citizenship or Place of Organization      Delaware

           Number of          (5)  Sole Voting Power          0
           Shares
           Beneficially Owned (6)  Shared Voting Power        82,813*
           by Each Reporting
           Person With:       (7)  Sole Dispositive Power     0

                              (8)  Shared Dispositive Power:  82,813*

9)         Aggregate Amount Beneficially
           Owned by Each Reporting Person                     82,813*

10)        Check if the Aggregate Amount in Row (9)
           Excludes Certain Shares (See Instructions)

11)        Percent of Class
           Represented By Amount in Row 9                     6.5%

12)        Type of Reporting
           Person (See Instructions)                          HC

* Under Illinois Law, assets owned by Continental  Casualty  Company an Illinois
insurance company, are solely under the control of the board of directors of the
insurer.  The  characterization  of shared  dispositive  power  with the  parent
holding is made solely as a consequence of SEC interpretations regarding control
of the subsidiary.  CNA Financial Corporation and Loews Corporation specifically
disclaim benefical ownership of the securities identified herein.





1)         Name of Reporting Person:     Continental Casualty Company

           SS or IRS Identification      36-2114545
           Nos. of Above Persons:

2)         Check the Appropriate Box     (a)       (b) X
           If A Member of Group
           (See Instructions)

3)         SEC Use Only

4)         Citizenship or Place of Organization      Delaware

           Number of          (5)  Sole Voting Power         0
           Shares
           Beneficially Owned (6)  Shared Voting Power       82,813*
           by Each Reporting
           Person With:       (7)  Sole Dispositive Power    0

                              (8)  Shared Dispositive Power: 82,813*

9)         Aggregate Amount Beneficially
           Owned by Each Reporting Person                    82,813*

10)        Check if the Aggregate Amount in Row (9)
           Excludes Certain Shares (See Instructions)

11)        Percent of Class
           Represented By Amount in Row 9                    6.5%

12)        Type of Reporting
           Person (See Instructions)                         HC

* Under Illinois Law, assets owned by Continental  Casualty  Company an Illinois
insurance company, are solely under the control of the board of directors of the
insurer.  The  characterization  of shared  dispositive  power  with the  parent
holding is made solely as a consequence of SEC interpretations regarding control
of the subsidiary.  CNA Financial Corporation and Loews Corporation specifically
disclaim benefical ownership of the securities identified herein.





Item 1(a)  Name of Issuer.   Gold Standard, Inc

Item 1(b)  Address of Issuer's Principal Executive Offices

                      GOLD STANDARD, INC.
                      712 Kearns Building
                      Salt Lake City, Utah 84101

Item 2(a)  Name of Persons Filing.  CNA Financial Corporation
                                    Loews Corporation
                                    Continental Casualty Company

Item 2(b)  Address of Principal Business Office:

           Continental Casualty Company - CNA Plaza, Chicago, Illinois 60685
           CNA Financial  Corporation   - CNA Plaza, Chicago, Illinois 60685
           Loews Corporation - 667 Madison Avenue, New York, New York 10021-8087


Item 2(c)  Citizenship:  Continental Casualty Company - State of Illinois
                         CNA Financial Corporation - State of Delaware
                         Loews Corporation - State of Delaware


Item 2(d)  Title of Class of Securities.  Common Stock

Item 2(e)  CUSIP Number.  380724104

Item 3     The persons filing this statement pursuant to Rule 13-1(b)
           or 13d-2 are each:

           (g)  Parent Holding Company (HC) (Relevant subsidiary is
                Continental Casualty Company, an Illinois domiciled
                insurance company.)

Item 4. Ownership 	CNA                      	Continental
                                   	Financial 		Casualty
                                   	Corp.   	Loews Corp.  	Company

(a)        Amount Beneficially Owned:  82,813*    82,813*          82,813*

(b)        Percent of Class           6.5%         6.5%               6.5%

(c)        Number of shares as
           to which such person has

           (i)  sole power to vote or
                to direct the vote     0             0               0





           (ii)   shared power to vote
                  or to direct vote    82,813*    82,813*      82,813*

           (iii)  sole power to
                  dispose or to direct
                  disposition of       0             0               0

           (iv)   shared power to
               dispose or to direct
               disposition             82,813*    82,813*      82,813*

Item 5.    Ownership of Five Percent or Less of a Class.

           Inapplicable.

Item 6.    Ownership of More than Five Percent on Behalf of Another Person.

           Inapplicable.

Item 7.    Identification  and  Classification  of  the  Subsidiary  which
           Acquired  the  Security  Being  Reported  On By the  Parent  Holding
           Company.

           Continental Casualty Company, an Illinois insurance company (IC).
           See Exhibit 1.

Item 8.    Identification and Classification of Members of the Group.

           Inapplicable.

Item 9.    Notice of Dissolution of the Group.

           Inapplicable.

* Under Illinois Law, assets owned by Continental  Casualty  Company an Illinois
insurance company, are solely under the control of the board of directors of the
insurer.  The  characterization  of shared  dispositive  power  with the  parent
holding is made solely as a consequence of SEC interpretations regarding control
of the subsidiary.






Item 10.   Certification of CNA Financial Corporation.

By signing below I certify  that,  to the best of my knowledge  and belief,  the
securities  referred to above were  acquired in the ordinary  course of business
and were not  acquired for the purpose of and do not have the effect of changing
or  influencing  the  control  of the  issuer  of such  securities  and were not
acquired in connection with or as a participant in any transactions  having such
purposes or effect.

After reasonable  inquiry and to the best of my knowledge and believe, I certify
that the information set forth in this statement is true, complete and correct.


February 11, 2003
             Date

/s/ Jonathan D. Kantor
             Signature

Jonathan D. Kantor
Executive Vice President, General Counsel and Secretary










Item 10.   Certification of Loews Corporation.

By signing below I certify  that,  to the best of my knowledge  and belief,  the
securities  referred to above were  acquired in the ordinary  course of business
and were not  acquired for the purpose of and do not have the effect of changing
or  influencing  the  control  of the  issuer  of such  securities  and were not
acquired in connection with or as a participant in any transactions  having such
purposes or effect.

After reasonable  inquiry and to the best of my knowledge and believe, I certify
that the information set forth in this statement is true, complete and correct.


February 11,  2003
             Date




/s/     Gary W. Garson
             Signature

Gary W. Garson
Senior Vice President, Secretary and General Counsel










Item 10.   Certification of Continental Casualty Company.

By signing below I certify  that,  to the best of my knowledge  and belief,  the
securities  referred to above were  acquired in the ordinary  course of business
and were not  acquired for the purpose of and do not have the effect of changing
or  influencing  the  control  of the  issuer  of such  securities  and were not
acquired in connection with or as a participant in any transactions  having such
purposes or effect.

After reasonable  inquiry and to the best of my knowledge and believe, I certify
that the information set forth in this statement is true, complete and correct.


February 11, 2003
             Date

/s/ Jonathan D. Kantor
             Signature

Jonathan D. Kantor
Executive Vice President, General Counsel and Secretary









                                    Exhibit 1

Loews  Corporation  holds approximately 90.0% of the  equity  of CNA  Financial
Corporation.

CNA Financial Corporation owns 100.0% of the relevant subsidiary, Continental
Casualty Company,  an Illinois  domiciled  insurance  company (IC).  Continental
Casualty Company is the direct owner of the position being reported.



                                    Exhibit 2

Each of the  undersigned  hereby agrees that the Schedule 13G filed  herewith is
filed  jointly,  pursuant to Rule 13d-l(f) of the Securities and Exchange Act of
1934, as amended, on behalf of each of the undersigned.


CONTINENTAL CASUALTY COMPANY

/s/ Jonathan D. Kantor
             Signature

Jonathan D. Kantor
Executive Vice President, General Counsel and Secretary


CNA FINANCIAL CORPORATION

/s/ Jonathan D. Kantor
             Signature

Jonathan D. Kantor
Executive Vice President, General Counsel and Secretary


LOEWS CORPORATION

/s/ Gary W. Garson
             Signature

Gary W. Garson
Senior Vice President, Secretary and General Counsel