February 3, 1998




Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549

Attn: Filing Desk

                  Re:  National Discount Brokers Group, Inc.:  Form 8-K

Dear Sir/Madam:

         On behalf of our client,  National  Discount  Brokers Group,  Inc. (the
"Company"),  enclosed for filing is a copy of the  Company's  Current  Report on
Form 8-K, including exhibits thereto.

         If you have any  questions or comments  regarding  this filing,  please
call me at (973) 596-4637.

                                Very truly yours,



                                                     Frank E. Lawatsch, Jr.

Enclosures


                                                                             










                                        SECURITIES AND EXCHANGE COMMISSION

                                              Washington, D.C. 20549



                                        FORM 8-K

                                    CURRENT REPORT

                         Pursuant to Section 13 or 15(d) of 
                           Securities Exchange Act of 1934

                  Date of Report (Date of earliest event reported):
                                    January 29, 1998

                       NATIONAL DISCOUNT BROKERS GROUP, INC.
                 (Exact name of Registrant as specified in Charter)


Delaware                            1-9480                         22-2394480
------------------------------------------------------------------------------
(State or other jurisdiction      (Commission                   (IRS Employer
of incorporation)                  File Number)                  Identification
                                                                 Number)



10 Exchange Place Centre, 15th Floor, Jersey City, New Jersey        07302-3913
-------------------------------------------------------------------------------
(Address of principal executive office)                              (Zip Code)

Registrant's telephone number including area code:               (201) 946-2200
                                                                 --------------


                                   Not Applicable
            (Former name and former address, as changed since last report)



<PAGE>




Item 5.         Other Events


         National  Discount Brokers Group,  Inc. (the "Company")  entered into a
Stock  Purchase  Agreement  with  IAT  Reinsurance  Syndicate  Ltd.,  a  Bermuda
corporation,  ("IAT")  dated as of  December  5,  1997,  in which IAT  agreed to
purchase  1,500,000  common  shares of stock of the Company,  par value $.01 per
share for  $19,312,500.  The Company  consummated this sale on January 29, 1998.
The Company and IAT also entered into a Registration  Rights  Agreement dated as
of January 29, 1998 pursuant to which the Company  agreed to register for resale
under  Section 5 of the  Securities  Act of 1933,  as amended,  shares of common
stock of the Company purchased by IAT.



Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

         (c)      Exhibits

                        Exhibit No.         Description

                        4                   Registration Rights Agreement 
                                            between the Company and IAT dated
                                            as of January 29, 1998

                        99(a)               Press Release dated January 29, 1998


                                   SIGNATURES


         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                           National Discount Brokers Group, Inc.
                                           -------------------------------------
                                           Registrant


Dated:  February 3, 1998          By:      -------------------------------------
                                           Name:  Arthur Kontos
                                           Title:  President and Chief Executive
                                                   Officer


8
                                                                  
                                                                     EXHIBIT 4

                          REGISTRATION RIGHTS AGREEMENT

   
         REGISTRATION  RIGHTS AGREEMENT (the  "Agreement") made January 29, 1998
by and among NATIONAL DISCOUNT BROKERS GROUP, INC., a Delaware  corporation (the
"Seller"),  and IAT  Reinsurance  Syndicate  Ltd.,  a Bermuda  corporation  (the
"Buyer").
    

                                                     Recitals:

   
         A. Pursuant to the terms and conditions of a Stock  Purchase  Agreement
dated as of December 5, 1997 (the "Stock  Purchase  Agreement") by and among the
Buyer and the  Seller,  pursuant to which the Seller is selling and the Buyer is
acquiring  1,500,000 shares of the Common Stock, par value $.01 per share of the
Seller (the "Shares").
    

         B. It is a condition  precedent to the  obligations  of the Buyer under
the  Stock  Purchase  Agreement  that  the  Seller  enter  into  this  Agreement
contemporaneously  with  the  closing  of the  sale and  purchase  provided  for
thereunder.

         NOW,  THEREFORE,  the parties  intending to be legally bound,  agree as
follows:

         1.       Definitions.   For purposes of this Agreement, the following 
definitions shall apply:

                  (i)  "Blue  Sky  law"  shall  mean  the  laws of any  state or
territory of the United States  regulating  the sale of  securities  within such
state or territory and commonly referred to as "blue sky laws."

                  (ii) The terms "register,"  "registered,"  and  "registration"
refer to a registration  under Section 5 of the Federal  Securities Act of 1933,
as amended (the "Act") effected by preparing and filing a registration statement
or similar  document in compliance with the Act, and the declaration or ordering
of effectiveness of such registration  statement,  document or amendment thereto
by the United States Securities and Exchange Commission ("SEC").

                  (iii) The term "Registrable  Securities" means the Shares sold
to the Buyer under the terms of the Stock Purchase Agreement.

         2. Registration Rights. The Seller agrees that the Buyer shall have the
following registration rights with respect to the Shares; provided, however, the
Seller shall have no obligation to provide the registration  rights contained in
this  Section 2 if a resale by the Buyer of the  Shares may be  accomplished  in
compliance  with Rule 144 as  promulgated  under the Act or any other  successor
rule thereto, ("Rule 144").

                  (a)      Requested Registration.

                           (i) If after one year  after the  Closing  and before
December 31, 2001, the Seller
shall  receive  from  the  Buyer a  written  request  that the  Seller  effect a
registration  with respect to all or a part of the Registrable  Securities,  the
Seller will commence and diligently  proceed with the  preparation and filing of
one registration  statement and the Seller will as soon as practicable,  use its
diligent  best  efforts  to  effect  such   registration   (including,   without
limitation,  the execution of an undertaking to file post-effective  amendments,
appropriate   qualification  under  applicable  Blue  Sky  law  or  other  state
securities laws and appropriate  compliance with applicable  regulations  issued
under the Act) as may be so requested and as would permit or facilitate the sale
and distribution of such Registrable Securities;  provided that the Seller shall
not be  obligated  to  effect,  or to  take  any  action  to  effect,  any  such
registration  pursuant to this Section 2(a) in any  particular  jurisdiction  in
which the Seller  would be required  to execute a general  consent to service of
process in effecting such registration,  qualification or compliance, unless the
Seller is already subject to service in such  jurisdiction  and except as may be
required by the Act or applicable  rules or regulations  thereunder.  Subject to
the foregoing provision, the Seller shall file a registration statement covering
the Registrable Securities so requested to be registered as soon as practicable,
after receipt of the request of the Buyer.

                           (ii) The registration statement filed pursuant to the
request of the Buyer may,
subject to the provisions of Section 2(a)(iii) below,  include securities of the
Seller  which are held by other  holders or the Seller'  securities  for its own
account.

                           (iii)   Underwriting.   If  the  Buyer   intends   to
distribute the Registrable
Securities  covered by its  request  by means of a  registered  public  offering
involving  an  underwriting,  it shall so  advise  the  Seller  as a part of its
request  made  pursuant  to  Section  2(a).  If other  holders  of the  Seller's
securities  shall request,  pursuant to agreements  with the Seller,  to include
such securities in any  registration  pursuant to Section 2(a), the Buyer shall,
on behalf of all such holders,  offer to include the  securities of such holders
in such  underwriting  and may condition  such offer on their  acceptance of the
further  applicable  provisions of this Section 2(a). The Seller shall (together
with all such holders  proposing to  distribute  their  securities  through such
underwriting)  enter into an  underwriting  agreement in customary form with the
representative of the underwriter or underwriters selected for such underwriting
by the Buyer and reasonably acceptable to the Seller.  Notwithstanding any other
provision  of this  Section  2(a),  if the  representative  advises the Buyer in
writing that marketing  factors  require a limitation on the number of shares to
be underwritten, the shares of the Seller held by such holders shall be excluded
pro rata from such registration to the extent so required by such limitation. If
any such holder who has  requested  inclusion in such  registration  as provided
above  disapproves  of the terms of the  underwriting,  such person may elect to
withdraw  therefrom by written  notice to the Seller,  the  underwriter  and the
Seller.  The securities so withdrawn shall also be withdrawn from  registration.
If the underwriter has not limited the number of securities to be  underwritten,
the Seller may include its securities  for its own account in such  registration
if the underwriter so agrees and if the Registrable  Securities will not thereby
be limited.

                  (b) Seller Registration. (i) If one year after the Closing and
before  December  31, 2001,  the Seller  shall  determine to register any of its
common stock  either for its own account or the account of a security  holder or
holders, other than a registration relating solely to employee benefit plans, or
a registration  relating solely to a transaction covered by Rule 145 of the SEC,
or a registration on any registration form which does not permit secondary sales
or does not include  substantially  the same information as would be required to
be  included  in a  registration  statement  covering  the  sale of  Registrable
Securities, the Seller will:

                                    (x)  promptly  give  to  the  Buyer  written
                           notice  thereof  (which  shall  include a list of the
                           jurisdictions  in which the Seller intends to attempt
                           to qualify such securities  under the applicable Blue
                           Sky or other state securities laws); and

                                    (y)  include in such  registration  (and any
                           related  qualification  under  Blue Sky laws or other
                           compliance),   and  in  any   underwriting   involved
                           therein, all the Registrable  Securities specified in
                           a  written  request  or  requests,  made by the Buyer
                           within fifteen (15) days after receipt of the written
                           notice from the Seller described in clause (x) above,
                           except as set forth in Section  2(b)(ii) below.  Such
                           written  request  may  specify  all or a part  of the
                           Buyer's Registrable Securities.

                           (ii)     Underwriting.  If the registration of which
the Seller gives notice is for a
registered public offering involving an underwriting, the Seller shall so advise
the Buyer as a part of the written notice given pursuant to Section 2(b)(i).  In
such event the right of the Buyer to registration pursuant to Section 2(b) shall
be  conditioned  upon the Buyer's  participation  in such  underwriting  and the
inclusion  of the Buyer's  Registrable  Securities  in the  underwriting  to the
extent provided  herein.  All holders  proposing to distribute  their securities
through  such  underwriting  shall  (together  with the  Seller)  enter  into an
underwriting  agreement in customary form with the  underwriter or  underwriters
selected for underwriting by the Seller.  Notwithstanding any other provision of
this Section 2(b), if the underwriter  determines that marketing factors require
a limitation on the number of shares to be  underwritten,  the  underwriter  may
(subject  to the  allocation  priority  set forth  below)  limit  the  number of
Registrable Securities to be included in the registration and underwriting.  The
Seller  shall  so  advise  the  Buyer  and  all  holders  participating  in  the
registration  described in Section 2(b),  and the number of shares of securities
that are entitled to be included in the registration  and underwriting  shall be
allocated in the following  manner: if a limitation on the number of Registrable
Securities  is  required,  the  number of  shares  that may be  included  in the
registration and underwriting  shall be allocated among all holders  (including,
without limitation, the Buyer), in proportion, as nearly as practicable,  to the
respective amounts of securities which they had requested to be included in such
registration at the time of filing the registration  statement.  If the Buyer or
any holder  disapproves of the terms of any such  underwriting,  he may elect to
withdraw  therefrom  by written  notice to the Seller and the  underwriter.  Any
Registrable  Securities  or other  securities  excluded or  withdrawn  from such
underwriting shall be withdrawn from such registration.

                  (c) Registration Procedures.  In the case of each registration
effected by the Seller pursuant to Section 2 of this Agreement,  the Seller will
keep the Buyer advised in writing as to the initiation of each  registration and
as to the completion thereof. At its expense, the Seller will:

                                    (i)  Keep such registration effective for a 
                           period of one hundred twenty (120) days;

                                    (ii) Furnish such number of prospectuses and
                           other  documents  incident  thereto as the Buyer from
                           time to time may reasonably request;

                                    (iii) In  connection  with any  underwritten
                           offering  pursuant to a registration  statement filed
                           pursuant  to Section  2(a)  hereof,  the Seller  will
                           enter  into  any  underwriting  agreement  reasonably
                           necessary  to  effect  the  offer  and sale of common
                           stock, provided such underwriting  agreement contains
                           customary   underwriting   provisions   and  provided
                           further  that  if the  underwriter  so  requests  the
                           underwriting   agreement   will   contain   customary
                           contribution provisions.

         3.  Information to be provided by the Buyer.  The Buyer will furnish to
the Seller in connection with any registration under this Agreement, in writing,
such  information  regarding  itself,  the  Registrable   Securities  and  other
securities of the Seller held by it, and the intended  method of  disposition of
the  Registrable  Securities  as shall be  reasonably  required  to  effect  the
registration  of the Registrable  Securities held by the Buyer.  Notwithstanding
the provisions of this Agreement, if the Buyer fails to provide such information
to the Seller on a timely basis as is  reasonably  requested by the Seller,  the
Seller may exclude the Buyer's  Registrable  Securities  from such  registration
statement  and the  Buyer  may not for  twelve  (12)  months  thereafter  demand
registration of the Buyer's Registrable Securities.

         4.       Indemnification.

                  (a) The Seller will indemnify the Buyer, each of its officers,
directors and partners,  and each person  controlling the Buyer, with respect to
which  registration,  qualification or compliance has been effected  pursuant to
Section 2 of this Agreement,  and each underwriter,  if any, and each person who
controls any underwriter,  against all claims,  losses,  damages and liabilities
(or actions in respect  thereof) arising out of or based on any untrue statement
(or alleged untrue  statement) of a material fact  contained in any  prospectus,
offering  circular  or  other  document  (including  any  related   registration
statement,  notification  or  the  like)  incident  to  any  such  registration,
qualification or compliance,  or based on any omission (or alleged  omission) to
state therein a material fact required to be stated therein or necessary to make
the statements therein not misleading, or any violation by the Seller of the Act
or any rule or  regulation  thereunder  applicable to the Seller and relating to
action  or  inaction  required  of  the  Seller  in  connection  with  any  such
registration, qualification or compliance, and will reimburse the Buyer, each of
its officers,  directors and partners,  and each person  controlling  the Buyer,
each such underwriter and each person who controls any such underwriter, for any
legal  and  any  other   expenses   reasonably   incurred  in  connection   with
investigating and defending any such claim, loss,  damage,  liability or action;
provided  that the Seller will not be liable in any such case to the extent that
any such claim, loss, damage,  liability or expense arises out of or is based on
any untrue statement or omission based upon written information furnished to the
Seller  by the  Buyer or  underwriter  and  stated  to be  specifically  for use
therein.

                  (b) The Buyer will, if Registrable  Securities  held by it are
included  in the  securities  as to which such  registration,  qualification  or
compliance is being  effected,  indemnify the Seller,  each of its directors and
officers and each  underwriter,  if any, of the Seller's  securities  covered by
such a  registration  statement,  each  person who  controls  the Seller or such
underwriter  within  the  meaning  of the  Act  and the  rules  and  regulations
thereunder,  each other such holder and each of their  officers,  directors  and
partners,  and each person controlling such holder,  against all claims, losses,
damages and liabilities (or actions in respect  thereof) arising out of or based
on any untrue  statement  (or  alleged  untrue  statement)  of a  material  fact
contained in any such registration statement,  prospectus,  offering circular or
other  document,  or any  omission  (or  alleged  omission)  to state  therein a
material fact  required to be stated  therein or necessary to make the statement
therein  not  misleading,  and will  reimburse  the  Seller  and  such  holders,
directors,  officers, partners, persons, underwriters or control persons for any
legal or any other expenses reasonably incurred in connection with investigating
or defending any such claim, loss, damage,  liability or action, in each case to
the extent,  but only to the  extent,  that such  untrue  statement  (or alleged
untrue statement) or omission (or alleged omission) is made in such registration
statement,  prospectus, offering circular or other document in reliance upon and
in conformity with written information  furnished to the Seller by the Buyer and
stated  to  be  specifically  for  use  therein;  provided,  however,  that  the
obligations of the Buyer  thereunder  shall be limited to an amount equal to the
proceeds to the Buyer of securities sold as contemplated herein.

                  (c) Each party entitled to indemnification  under this Section
4 (the  "Indemnified  Party") shall give notice to the party required to provide
indemnification (the "Indemnifying Party") promptly after such Indemnified Party
has actual knowledge of any claim as to which indemnify may be sought, and shall
permit the  Indemnifying  Party to assume  the  defense of any such claim or any
litigation  resulting  therefrom,  provided  that  counsel for the  Indemnifying
Party,  who shall conduct the defense of such claim or any litigation  resulting
therefrom,  shall be approved by the Indemnified Party (whose approval shall not
unreasonably  be withheld),  and the  Indemnified  Party may participate in such
defense at such party's  expense,  and provided  further that the failure of any
Indemnified  Party to give  notice as  provided  herein  shall not  relieve  the
Indemnifying  Party of its  obligations  under this  Agreement.  No Indemnifying
Party,  in the defense of any such claim or litigation,  shall,  except with the
consent of each  Indemnified  Party,  consent to entry of any  judgment or enter
into any settlement which does not include as an unconditional  term thereof the
giving by the claimant or plaintiff to such Indemnified  Party of a release from
all liability in respect to such claim or  litigation.  Each  Indemnified  Party
shall furnish such  information  regarding itself or the claim in question as an
Indemnifying  Party may reasonably request in writing and as shall be reasonably
required  in  connection  with  defense of such claim and  litigation  resulting
therefrom.

         5.       Expenses of Registration.

                  (a) With respect to the inclusion of Registrable Securities in
a  registration  statement  pursuant  to this  Agreement,  all  fees,  costs and
expenses of and incidental to such  registration,  inclusion and public offering
shall be borne by the  Seller;  provided,  however,  that any  security  holders
participating  in such  registration  shall  bear  their  pro-rata  share of the
underwriting discounts and commissions, if any, incurred in connection with such
registration

                  (b) The fees,  costs and expenses of  registration to be borne
by the Seller as provided in this paragraph 5 shall include, without limitation,
all  registration,   filing  and  NASD  fees,   printing   expenses,   fees  and
disbursements of counsel and accountants for the Seller,  and all legal fees and
disbursements  and other expenses of complying with state securities or Blue Sky
laws of any  jurisdiction or jurisdictions in which securities to be offered are
to be  registered  and  qualified.  The fees and  disbursements  of counsel  and
accountants  for the Buyer for  personal  services  rendered  incidental  to any
registration shall be borne by the Buyer.

   
         6. Standstills.  Notwithstanding any other provision of this Agreement,
if  requested  by the  Seller and an  underwriter  in  connection  with a public
offering  of  securities  of the  Seller  which are the same or  similar  to the
Registrable Securities or convertible into such securities or evidencing a right
to purchase such securities  registered on Form S-1, S-2, S-3 or similar form of
the SEC then available to the Seller,  a holder of Registrable  Securities shall
not sell or otherwise transfer or dispose of any Registrable  Securities held by
such  holder  during  the one  hundred  eighty  (180) day period  following  the
effective  date of a  registration  statement of the Seller filed under the Act;
provided  that the  foregoing  restrictions  shall not  apply to a  registration
statement relating solely to an employee benefit plan or a registration relating
solely to a  transaction  covered by Rule 145 under the Act or  similar  form or
forms  promulgated  in the future and  provided  further  that senior  executive
officers of the Buyer are subject to similar restrictions. The Seller may impose
stop-transfer instructions with respect to the Registrable Securities subject to
the  foregoing  restriction  until the end of said one hundred  eighty (180) day
period.
    

         7.  Rights of  Transferees.  In the  event  that all or any part of the
Registrable Securities held by the Buyer shall at any time be transferred by the
Buyer, in a transfer  permissible  under applicable  securities laws, other than
pursuant  to  an  effective  registration  statement,  the  registration  rights
hereunder shall extend to the transferee of such securities,  provided that such
transferee  enters  into an  agreement  with the  Seller  containing  terms  and
conditions substantially the same as this Agreement.

         8.  Notices.  Except  as  otherwise  provided  herein,  whenever  it is
provided herein that any notice,  demand,  request,  consent,  approval or other
communication shall or may be given to or served upon any party by any other, or
whenever  any party  desires to give or serve upon another  party  communication
with respect to this  Agreement,  each such notice,  demand,  request,  consent,
approval,  or  other  communication  shall be in  writing  and  either  shall be
delivered in person with receipt  acknowledged  or registered or certified mail,
return receipt requested,  postage prepaid, addressed as follows or by facsimile
to the  facsimile  number  noted  below so long as  electronic  confirmation  is
received by the sender of the facsimile that the recipient's  facsimile  machine
has received the transmission:

                  (i)      If to the Seller:

   
                           National Discount Brokers Group, Inc.
                           10 Exchange Place Centre, 15th Floor
                           Jersey City, New Jersey 07302-3913
                           Attention:  General Counsel
    

                  (ii)     If to Buyer:

                           IAT Reinsurance Syndicate Ltd.
                           41 Cedar Avenue
                           Cedar House
                           Hamilton HM 12, Bermuda

                           If to Buyer at PO Box:

                           IAT Reinsurance Syndicate Ltd.
                           PO Box 1179
                           Hamilton HMEX, Bermuda

   
                           with a copy to:

                           Peter R. Kellogg
                           120 Broadway
                           New York, New York 10271
    


or at such other  address or facsimile  number as may be  substituted  by notice
given as herein  provided.  The giving of any notice  required  hereunder may be
waived in writing by the party  entitled to receive such notice.  Every  notice,
demand, request, consent, approval, declaration or other communication hereunder
shall  be  deemed  to have  been  duly  given  or  served  on the  date on which
personally  delivered,  with receipt  acknowledged,  or three (3) days after the
same shall have been deposited in the United States mail for overnight  delivery
or delivered to a courier  service for overnight  delivery.  Failure or delay in
delivering copies of any notice, demand, request, consent, approval, declaration
or other  communication to the persons  designated above to receive copies shall
in no way adversely affect the  effectiveness of such notice,  demand,  request,
consent, approval, declaration or other communication.

         9.       Miscellaneous.

                  (a) This  Agreement  shall be binding  upon and shall inure to
the benefit of the parties hereto and their respective successors and assigns.

                  (b) None of the terms or provisions  of this  Agreement may be
waived,  altered,  modified or amended  except in writing duly signed for and on
behalf of the parties hereto.

                  (c) Any  provision of this  Agreement  which is  prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability  without  invalidating the
remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render  unenforceable such provision in any
other jurisdiction.

                  (d)  This  Agreement   shall  be  governed  and  construed  in
accordance with the laws of the State of New Jersey.

         IN WITNESS  WHEREOF,  the parties hereto have caused this  Registration
Rights Agreement to be duly executed as of the day and year first above written.

                                        NATIONAL DISCOUNT BROKERS GROUP, INC.


                                     By:-----------------------------------
                                     Name: Arthur Kontos
                                     Title:President and Chief Executive Officer

                                     IAT REINSURANCE SYNDICATE LTD.


                                     By:-----------------------------------
                                     Name:  Peter R. Kellogg
                                     Title: President





                                                                  EXHIBIT 99(a)



FROM:             National Discount Brokers Group, Inc.
                  Jersey City, NJ  07302

                  The MWW Group
                  Public Relations - Tel. (201) 507-9500
                  Contact:     Alissa Blate (ablate@mww.com)
                               Rich Tauberman (rtauberm@mww.com)
----------------------------------------------------------------
                                                          FOR IMMEDIATE RELEASE

                                     NATIONAL DISCOUNT BROKERS GROUP COMPLETES
                                       $19.3 MILLION SALE OF TREASURY STOCK

                  JERSEY  CITY,  New  Jersey --  January  29,  1998 --  National
Discount Brokers Group, Inc. (NYSE: NDB) today announced that it has completed a
previously  announced  private  placement  of 1.5  million  shares of NDB common
stock, to Bermuda-based IAT Reinsurance  Syndicate Ltd., an entity controlled by
investor Peter Kellogg.
The deal boosts Mr. Kellogg's holdings from approximately 8% to 17.8%.
         The  $19.3  million  proceeds  from  the  transaction  will be used for
general corporate purposes and marketing  activities to support the expansion of
National Discount Brokers/ndb.com,  the company's Internet trading and financial
services subsidiary.
         Headquartered  in Jersey City, New Jersey,  National  Discount  Brokers
Group, Inc. is the parent company of three financial services entities: National
Discount  Brokers/ndb.com,  Sherwood  Securities  and MXNet.  National  Discount
Brokers  Group  also  owns  the  majority  interest  in a  limited  partnership,
Equitrade Partners, a specialist on the New York Stock Exchange.  Combined,  the
four entities generate more than six million transactions  annually. The company
has offices in New York, Los Angeles, Chicago, Denver, Minneapolis and Boston.