EXHIBIT 99

                          RISK FACTORS

RECENT LOSSES; POTENTIAL FLUCTUATIONS IN OPERATING RESULTS

Although  the  Company  has  for  many  years  experienced year-to-year revenue
growth, it has incurred net losses of $9.9 million  and $.4 million in 1995 and
1994,  respectively.   There  can  be  no  assurance that revenue  growth  will
continue or that the Company will achieve profitability in the future.

The Company's operating results have fluctuated  in  the past and may fluctuate
in the future as a result of a variety of factors, some of which are outside of
the Company's control, including general economic conditions, specific economic
conditions in the retail trade industry, the mix of products  sold and the cost
and  types  of advertising through which they are sold, and prices  charged  by
suppliers, among others.

DEPENDENCE ON EFFECTIVE INFORMATION SYSTEMS

To complete orders,  the  Company must record and process customer data quickly
and accurately.  While the Company is in the process of significantly upgrading
its management information  system,  there  can  be  no  assurance that the new
system, when fully installed and implemented, will deliver  the  full  range of
data   processing   functionally  expected.   The  Company  believes  that  the
successful installation  and  implementation  of  its  new  computer  system is
important  to  its  continued  growth,  but  there can be no assurance that the
Company  will  not  encounter  delays  or  cost  overruns   or  suffer  adverse
consequences in implementing the new system.

DEPENDENCE ON KEY PERSONNEL

The  Company's  success  depends  to  a  significant degree upon the  continued
contributions of its core management team.   While  the  Company has employment
agreements  with  its  four  key  executives,  they still have the  ability  to
voluntarily terminate their employment with the  Company at any time, as do the
Company's other executives and employees.  Competition  for qualified personnel
in  the  Company's segment of the retail trade industry is  relatively  intense
and, from time to time, there are a limited number of persons with knowledge of
and experience  in particular sectors of the Company's business.  The Company's
success also will  depend  on  its  ability  to  attract  and  retain qualified
management, marketing, technical and other executives and personnel.   The loss
of  the  services  of  key  personnel,  or  the inability to attract additional
qualified  personnel, could have a material adverse  effect  on  the  Company's
results of operations, development efforts and ability to expand.  There can be
no assurance  that  the  Company will be successful in attracting and retaining
such executives and personnel.

POTENTIAL VOLATILITY OF STOCK PRICE

The market price of the Company's  Common Stock has been and may continue to be
highly volatile.  See the discussion  under  Item  5 of the Company's 1996 Form
10-K  Report, "Market for Registrant's Common Equity  and  Related  Stockholder
Matters".   Factors  such  as variations in the Company's revenue, earnings and
cash flow, the difference between  the Company's actual results and the results
expected by investors and analysts, and announcements of new product offerings,
marketing plans or price reductions  by  the  Company  or its competitors could
cause the market price of the Company's Common Stock to fluctuate.

CONTROL BY PRESENT STOCKHOLDERS

In  the  aggregate, Stuart Komer, American Greetings Corporation  and  Valcheck
Company control  approximately  52%  of  the  Company's  issued and outstanding
Common Stock.  Accordingly, to the extent these stockholders  act  together  in
the voting of their shares, they will have the ability to determine the outcome
of most matters put before the Company's stockholders.