Patent Publication Number: US-5829747-A

Title: Stock market big board game

Description:
BACKGROUND OF THE INVENTION 
     1. Field of the Invention 
     The instant invention relates generally to board games and more specifically it relates to a stock market big board game. The stock market big board game simulates for each player security transactions within the stock market to see which player accumulates the most wealth to win the game. 
     2. Description of the Prior Art 
     Numerous board games have been provided in prior art. For example, U.S. Pat. Nos. 4,002,342 to Biggs; 4,431,195 to Brand et al.; 4,934,707 to Koster and 5,407,207 to Sanford all are illustrative of such prior art. While these units may be suitable for the particular purpose to which they address, they would not be as suitable for the purposes of the present invention as heretofore described. 
     BIGGS, FRED CONNER 
     STOCK MARKET INVESTMENT GAME 
     U.S. Pat. No. 4,002,342 
     A stock market game in which dice determine the current market condition as represented by the Dow Jones Averages. The dice values of two to twelve determine the Dow Jones Averages corresponding to values between two hundred and twelve hundred. A series of stocks are associated with spaces on a top disc and stock prices on a bottom disc are visible through windows in the top disc. The top disc is divided radially into a series of recording spaces corresponding to the stock price for a given market condition. A series of game control spaces determine when the market condition is changed to a different Dow Jones Average, and results in a new market price for the individual stocks. 
     DONALD L. 
     BRAND, MOLLY C. 
     BRAND, GEORGE 
     STOCK MARKET TRANSACTION BOARD GAME 
     U.S. Pat. No. 4,431,195 
     A board game comprising a game board divided into a plurality of horizontally and vertically disposed rows of squares, the horizontal rows constituting a game track extending from one corner of the board to the diagonally opposite corner. The squares represent companies the stocks of which are traded between players and between players and the board, the squares being divided into debit and credit sides. Special security transaction squares are also provided on the game board for transactions between players or between players and the board. A portfolio card is provided for each player, the surface of which reflects the companies appearing on the game board, so that each player can keep a record of his stock portfolio. The game is further provided with accessory pieces in the form of markers to record players movement across the track of the board; a pair of dice in response to the roll of which movement of a marker is made; stock certificates of the companies represented on the game board; simulated currency for engaging in stock transactions; and debit and credit cards used in one of the special security transactions. 
     KOSTER, JOHN S. 
     STOCK MARKET BOARD GAME 
     U.S. Pat. No. 4,934,707 
     A board game consists of a hexagonal playing board divided into six playing areas, each area designated for one player, and having a central hexagonal area. Each playing area is subdivided into a plurality of unit areas, radiating from the central area. Each playing area having the same number of unit areas. Each unit area bears a representation of the name or trademark of one of a set of companies and each playing area having the same set of companies. Players use imitation money to buy blocks representing shares which are dealt with in accordance with a plurality of randomly distributed playing cards, each equating to a rise or fall in share prices. The blocks bought by the players are placed on the unit areas of the player&#39;s corresponding playing areas indicating which companies the players have bought stock in and the number of shares. 
     STANFORD CARLTON R. 
     BOARD GAME SIMULATING FINANCIAL EVENTS OF A LIFETIME 
     U.S. Pat. No. 5,407,207 
     A game simulating financial events that a person encounters during the person&#39;s lifetime, including: a game board having disposed thereon a path of individual financial event indicia on which indicia playing pieces may land while traversing the path, the financial event indicia indicating, in some cases, mandatory or discretional financial transactions. One of the indicia being a starting point at which each player begins the game at a first predetermined age, with age advancing one year each time the starting point is passed, up to a second predetermined age at which the game terminates. First cards, each of which indicates thereon a job and a salary therefor, each player to draw one of the first cards when the game commences. Second cards, each of which indicates thereon a type of business, the purchase price thereof, and the annual profits therefrom, one of the second cards to be drawn by a player, at the discretion thereof, when having a playing piece land on one of the indicia indicating a discretionary financial transaction to be made. Random number generating mechanism to be alternatingly activated by the players to determine a number of the financial event indicia to be transversed by each the playing piece for each move thereof. 
     SUMMARY OF THE INVENTION 
     A primary object of the present invention is to provide a stock market big board game that will overcome the shortcomings of the prior art devices. 
     Another object is to provide a stock market big board game that requires each player to maintain skill in making various investment decisions during the play of the game. 
     An additional object is to provide a stock market big board game wherein the object of the game is for the player with the most valuable stock portfolio at the end of the game, to be declared the winner of the game. 
     A further object is to provide a stock market big board game that is simple and easy to use. 
     A still further object is to provide a stock market big board game that is economical in cost to manufacture. 
     Further objects of the invention will appear as the description proceeds. 
     To the accomplishment of the above and related objects, this invention may be embodied in the form illustrated in the accompanying drawings, attention being called to the fact, however, that the drawings are illustrative only, and that changes may be made in the specific construction illustrated and described within the scope of the appended claims. 
    
    
     DESCRIPTION OF THE DRAWING FIGURES 
     Various other objects, features and attendant advantages of the present invention will become more fully appreciated as the same becomes better understood when considered in conjunction with the accompanying drawings, in which like reference characters designate the same or similar parts throughout the several views, and wherein; 
     FIG. 1 is a front perspective view showing the various components of the instant invention. 
     FIG. 2 is an enlarged plan view of a portion of the game board as indicated by arrow 2 in FIG. 1. 
     FIG. 2A is an enlarged front elevational view with parts broken away of the big board taken in the direction of arrow 2A in FIG. 1. 
     FIG. 3 is an enlarged front perspective view, showing a portion of the big board and the game board as indicated by arrow 3 in FIG. 1. 
     FIG. 4 is a cross sectional view taken along line 4--4 in FIG. 3. 
     FIG. 5 is a rear perspective view taken in the direction of arrow 5 in FIG. 1, with some of the components removed therefrom. 
     FIG. 6 is a perspective view, showing the cover for the game. 
     FIG. 7 is an enlarged perspective view, showing opposite sides of the market trend indicator piece as indicated by arrow 7 in FIG. 1. 
     FIG. 8 is an enlarged perspective view of the pair of dice as indicated by arrow 8 in FIG. 1. 
     FIG. 9 is a perspective view of one of the pegs used in the big board. 
     FIG. 10 is a front plan view of one market manipulation card as indicated by arrow 10 in FIG. 1. 
     FIG. 10a is a rear plan view of the market manipulation card of FIG. 10. 
     FIG. 11 is a front plan view of one market fluctuation card as indicated by arrow 11 in FIG. 1. 
     FIG. 11a is a rear plan view of the market fluctuation card of FIG. 11. 
     FIG. 12 is a front plan view showing some of the stock certificates and one certificate of deposit. 
    
    
     Similar reference characters denote corresponding features consistently throughout the attached drawings. 
     DESCRIPTION OF THE PREFERRED EMBODIMENTS 
     Turning now descriptively to the drawings, in which similar reference characters denote similar elements throughout the several views, FIGS. 1 through 12 illustrate the various components of the stock market big board game of the present invention. With regard to the reference numerals used, the following numbering is used throughout the various drawing figures. 
     
         ______________________________________                                    
14           game board                                                   
16           perimeter of 14                                              
18           space on 14                                                  
20           big board                                                    
22           mounting structure for 20 to 14                              
24           price marker peg for 20                                      
26           playing piece                                                
28           play money                                                   
30           random number generating facility                            
32           market trend indication piece                                
34           bull head on 32                                              
36           bear head on 32                                              
38           market manipulation card                                     
40           market fluctuation card                                      
42           stock certificate                                            
44           certificate of deposit                                       
46           rules for big board pamphlet                                 
48           big board regulations pamphlet                               
50           stock market primer pamphlet                                 
52           big board prospectus pamphlet                                
54           stock purchase table pamphlet                                
56           stock sales table pamphlet                                   
58           dividend payout and yield tables pamphlet                    
60           first card area on 14                                        
62           second card area on 14                                       
64           pair of dice for 30                                          
66           clip for 22                                                  
68           bottom edge of 20                                            
70           fold line on 14                                              
72           storage box with cover                                       
______________________________________                                    
 
    
     The stock market big board game comprises a game board 14 having a continuous path around its perimeter 16 divided into consecutive spaces 18 bearing instructions for price fluctuations of individual companies and the market as a whole, market manipulation card purchase options, penalties, bonuses for stock diversification, move anywhere options, puts and calls, market trend changes, and stock price move options with each of the spaces 18 defining a playing position. A big board 20 is provided with a structure 22, for mounting the big board 20 vertically to the game board 14. A plurality of price marker pegs 24 for the big board 20 indicate on the big board 20, the activities of seven types of stocks purchased, such as stock prices and splits. A plurality of playing pieces 26 are provided, one for each of the game players. The playing pieces 26 being of a size to fit within the playing positions. Play money 28 of different denominations are for distribution of part thereof to each player. A random number generating facility 30 is for designating a number of spaces 18 on the game board to be moved by each playing piece 26. A market trend indication piece 32 has a bull head 34 on one side and a bear head 36 on an opposite side. A deck of market manipulation cards 38, a deck of market fluctuation cards 40, a plurality of stock certificates 42 and a plurality of certificates of deposit 44 are also used in the game. 
     The stock market big board game further includes a rules for big board pamphlet 46, a big board regulations pamphlet 48, a stock market primer pamphlet 50, a big board prospectus pamphlet 52, a stock purchases table pamphlet 54, a stock sales table pamphlet 56 and a dividend payout and yield tables pamphlet 58. 
     The playing pieces 26 represent figurines of animate and inanimate objects. The game board 14 further includes two card areas 60 and 62. The first area 60 is for storing the deck of market manipulation cards 38 prior to purchase by the players. The second area 62 is for storing the deck of market fluctuation cards 40. One market fluctuation card 40 is turned, each time one playing piece 26 lands on the playing position labeled market fluctuation on the game board 14. The game board 14 is square, with the continuous path forming a further inner square within the perimeter 16 of the game board 14. 
     The play money 28 includes a plurality of papers bearing indicia representing denominations of money. The denominations of money are of $100 dollars, $500 dollars, $1,000 dollars, $5,000 dollars, $10,000 dollars, $20,000 dollars and $100,000 dollars. The random number generating facility 30 is a pair of dice 64. The mounting structure 22, as best seen in FIGS. 3 and 4, is a clip 66 affixed at a right angle to a bottom edge 68 of the big board 20, so that the clip 66 can engage with one edge of the game board 14. 
     The deck of market manipulation cards 38 allows each player that buys one of these cards to perform various manipulations, and includes thirty six cards. Five are free turn cards, five cards are to turn the market Bull and five cards are to turn it Bear. Each of seven companies represented in the game have a card to move it up twenty points, a card to move it up ten points and an SEC card to punish either of the two prior manipulations. 
     The deck of market fluctuation cards 40 includes twenty eight cards at four different volatility levels being stable, active, volatile and extremely volatile, in which the point values for the four levels are as follows. Stable--four cards with a two point move, two cards with a four point move and one card with a six point move. Active--four cards with a four point move, two cards with an eight point move and one card with a twelve point move. Volatile--four cards with a six point move, two cards with a twelve point move and one card with an eighteen point move. Extremely volatile--four cards with a twelve point move, two cards with an eighteen point move and one card with a twenty four point move. 
     The stock certificates 42 are for each of seven companies represented on the big board 20, which are Global Motors; Consolidated Technologies, International Airways, United Speculators, New York Gas and Electric, Solar Power and Ralph&#39;s Shoes. The stock certificates 42 are divided into an original issue and four split levels, to provide an easy and natural bookkeeping for results of the splits. 
     The stock market big board game further includes the game board 14 having a fold line 70 thereacross, so that the game board 14 can be folded in half. A storage box with a cover 72, as shown in FIG. 6, holds the folded game board 14 and all of the various components of the game therein when not being used. 
     THE RULES FOR BIG BOARD 
     Object: Invest wisely and end the game with more money in cash, CDs and stocks than the other players. 
     Equipment: The Big Board; The Game Board; Dice; Money; Certificates of Deposit; Stock Certificates; Market Manipulation and Market Fluctuation Cards; BULL/BEAR Market Trend Marker; Big Board Prospectus; Big Board Stock Purchases Table; Big Board Stock Sales Table; Big Board Stock Market Primer; The Rules for Big Board; The Big Board Regulations. 
     Preparation: Place The Big Board near the game board and on the Big Board set the price marker pegs to indicate an $80 per share value for Global Motors, a $70 per share value for Consolidated Technologies, and so on moving right and down. See the Big Board Prospectus for full information on initial stock values. Place the remaining pegs near the Big Board. These will be used to mark splits when and if they occur during the course of the game. Shuffle both decks of cards and place them in the appropriate squares on the game board. Place the BULL/BEAR market trend indicator in the middle of the game board. Arrange the stock certificates for each company near the board in the following order. Original shares on top, 1st Split shares next, 2nd Split shares next, and so forth. One player may be designated broker to handle the money and certificates, or this duty may be divided, one player handling the money and another the certificates. There is no advantage or disadvantages in performing the duties of the broker. Each player begins the game with a single $20,000 bill. 
     Beginning the Play: All players roll a single die, highest player goes first. The player going first now rolls another single die. If the number is even, the BULL/BEAR indicator is turned to BULL, if odd, to BEAR. This establishes the initial market direction. The first player now cuts the Market Fluctuation deck. This establishes the initial market volatility level. 
     The first player may now buy as many shares of stock as he chooses, and can afford, in any one of the seven companies on the Big Board, or may buy CDs. All stock trading is done in &#34;round lots&#34;, that is, one hundred share units. Commissions are $1 per share to buy a $1 per shared to sell. The Bid Board Stock Purchase and Sale Tables provide totals for both buy and sell transactions of up to 2,000 shares. CDs are bought and sold without commission. After making his decision to buy or not, the first player then rolls the dice and moves the number of spaces indicated. The instructions on the square are followed, and the second player begins. 
     As the play progresses and players develop a stock portfolio, they may then either buy or sell as many shares of one company as they wish at the beginning of their turns, or may buy or sell for cash up to five CDs. A player may not buy and sell stock, or deal in the stock of more than one company. Stocks may be bought with CDs, but a player may not receive CDs in exchange for stock. CDs used to buy stock are subject to a $500 early withdrawal penalty. As play progresses, and players begin to acquire Market Manipulation cards, an additional choice arises. A player holding Market Manipulation cards may now either buy or sell stock or CDs, or use a card. 
     Market Manipulation Cards: Market Manipulation cards can be bought at various option squares on the game board. Each company on the Big Board has two cards in the Market Manipulation deck which will cause the value of the stock to rise, one causing a 10-point rise and the other causing a 20-point rise. A player must own stock in any company he tries to manipulate. Each company also has one SEC card which can be used to reverse an upward manipulation on the part of another player. An SEC card will drop the stock twenty points from its pre-manipulation value. The SEC card is the only card that can be played &#34;out of turn&#34;, that is, if a player holding the appropriate SEC card chooses to reverse a manipulation, he must play the card immediately in response to the other player&#39;s action and does not wait until his own turn. 
     The Market Manipulation deck contains three other types of cards. The BULL cards will reverse a BEAR market, without, however, causing an immediate fluctuation as the BULL square on the game board does. The market cannot be again reversed with a Market Manipulation card until the following player has completed his turn (or turns if he uses a FREE TURN card). The market can be reversed earlier, however, if a player lands on the BEAR square. The rules for the BEAR cards are the same. The FREE TURN cards allow a player to take two turns in a row. If a player intends to use a FREE TURN card, he must play it at the start of his regular turn before rolling the dice or performing any buy or sell transaction. A player may not use two FREE TURN cards in a row. 
     Market Fluctuation Cards: Each time a player lands on a Market Fluctuation square a Market Fluctuation Card is turned and all stocks on the Big Board advance or drop by the value indicated, depending on whether the market is BULL or BEAR at the time the card is turned. The BULL is the symbol of a rising market; the BEAR is the symbol of a falling market. 
     Splits and Bankruptcy: The Big Board indicates stock values along a range of zero to $100 dollars per share in $2 increments. If the stock of any company drops to zero, the company is bankrupt and its stock is worthless. For the remainder of the game, the two game board squares corresponding to this company function as Market Fluctuation squares. If the stock of a company goes over 100, it splits 2 for 1. If a stock has advanced to an odd number, such as 105, the price is advanced to the highest even number then divided by two. If the stock has advance to an even number, like 106, it is just divided by 2. If the split takes the stock down to an odd number, such as 53, add one to the final split value, here 54. Once the peg is moved to reflect the new value, add a peg to the split counter for the stock at the top of the Big Board to record the split. 
     Any players holding this stock now get a share distribution which doubles the number of shares held. After distribution of the shares, the player responsible for the split, whether through a move on the game board or a successful manipulation, rolls a single die and the stock is moved up double this value. 
     After the first split, the pool of available shares for a company is doubled. That is, both the original issue and the shares in the first split level are now available for trading. Shares in the second split level, however, are not available for trading unless the stock splits again. 
     Start: Players passing START collect $100 interest if they hold any cash whatsoever, plus $1,000 dollars for every CD held, plus dividends for companies in which they own stock. The Big Board Prospectus lists the dividend payout for all companies on the Big Board. Players who hit START directly get paid double. Divided pay outs remain the same per hundred shares after stock splits. However, any company whose stock falls below 10 suspends dividend payments until the stock rises to 10 or above again. 
     Fluctuation Squares for Individual Companies: In addition to the Market Fluctuation squares on the game board, which cause all companies to either rise or fall together, there are two fluctuation squares for each individual company on the Big Board. These squares cause the stock to behave according to the inherent volatility or stability of the company itself. The Big Board Prospectus describes these individual characteristics. 
     Certificates of Deposit (CDs): CDs are bought and sold without commission costs. A player may buy or sell up to five $10,000 CDs during his turn. CDs may not be used in Puts and Calls, buy may otherwise be used in place of cash in all other instances. However, CDs used in place of cash are each subject to a $500 early withdrawal penalty and at no time may more than five CDs be cashed in. As in regular stock purchases, a player may not both purchase stock with CDs and play a Market Manipulation card. 
     Calls and Puts: The CALL allows a player to force any other player to sell him 100 shares of stock at half price. The PUT allows a player to force any other player with the cash to buy 100 shares of stock at double the price. CDs cannot be used to finance a CALL, nor can a player be forced to cash a CD or sell stock to pay the price of a PUT. The player forcing the CALL or PUT pays a $200 commission to the broker. 
     Tax Loss Carryforward Credit: A player landing on the Tax Loss Carryforward Credit totals the value of all cash, CDs and stocks in determining his eligibility for the $5,000 credit. Stocks are valued at the net sale amounts listed in the Big Board Stock Sales Table. A player may not qualify for the credit by exercising a Move Anywhere option which has the effect of reducing his holdings below $20,000. 
     Margin Call: A player may elect to pay a Margin Call in any combination of cash, CDs or stocks, but may not receive back change if short on cash or CDs and thereby forced to sell stock of greater value than the amount needed to meet the Margin Call. Stocks are valued at the rates posted in the Big Board Stock Sales Table. 
     Random Walk: Player may choose any stock on the Big Board, then roll one die to establish the price move direction. If the roll is odd, the stock will fall, if even, the stock will rise. The Player then rolls both dice and the stock is moved up or down double the value of the second row. 
     Federal Income Tax: A player may elect to pay in any combination of cash or stocks. Player may receive back change if he is short on cash or CDs and if forced to sell stock of greater value than the amount needed to pay the tax. Stocks are valued at the net sale amounts in the Big Board Stock Sales Table. 
     Doubles: Players rolling doubles 2s, 3s, 4s or 5s collect $1,000. Players rolling double 1s or 6s may either move the count shown on the dice and collect $1,000, or pay $500 and move anywhere. Players may not completely circle the board and land on the original square. 
     The Big Board Regulations: Just as Federal and State securities laws are supplemented by regulatory rulings, the Rules for Big Board are supplemented by the Big Board Regulations. Consult the regulations for any matters arising during the course of a game that are not directly resolved by the rules. 
     End of the Game: The game ends when the last Market Fluctuation card is turned and the results are posted to the Big Board, or when all of the companies on the Big Board go bankrupt, or when only one player with assets is left in the game. Winner is the player with the greatest value in cash, CDs and stocks. Use the Big Board Stock Sales Table to value stocks. Count cash and CDs at face value. 
     BIG BOARD REGULATIONS 
     Cases Not Covered By The Rules 
     Dice: During rolls the die or dice must land touching only the game board. A die or dice may overhang the edge of the board as long as it doesn&#39;t touch the table or other surface the board is resting on. A die may not land touching the card decks, the BULL/BEAR indicator, another die or any other object. In cases too close to determine, the originally rolling player and any other player each roll one die the high player gets to determine the validity of the roll in dispute. The same dice rules apply to rolls conducted to determine the validity of prior rolls. In misrolls involving both dice, both are rerolled even though only one may have landed improperly. In ties in determining the player who starts the game, only those players tied roll again to break the tie. 
     Market Manipulation Cards: A player may not play a Market Manipulation Card to raise the price of a stock, then play the corresponding SEC card. Also, a player holding an SEC card is not required to play it in response to a manipulation. If the card is not played, however, the opportunity is forfeited and card may not be used unless another manipulation of the stock occurs. 
     SEC cards can only be used to stop stock manipulation attempted by means of Market Manipulation cards. An SEC card cannot be used, for example, to stop an upward stock movement done with the roll up option or the Random Walk square, or a Move Anywhere to a stock&#39;s up fluctuation square. 
     If the Market Manipulation Card deck has been sold out to the point where only a single card remains, and a player lands on an option square where he could buy 2 cards for $2,000, he may buy the single card for $1,000. If the Market Manipulation Card deck is entirely sold out, the option squares pertaining to the cards then become neutral. They do not cause market fluctuations as do the squares corresponding to bankrupt companies. 
     If the market is already BULL, a player may not play another BULL card simply to lock in the trend through the turn of the following player. Same with BEAR cards. 
     Margin Call: A player can receive change back from CDs or bills of any denomination, but not from units of stock that have to be sold to meet the Call. For example, if a player lands on the $4,000 Margin Call while holding $3,000 cash and 100 shares of stock currently valued at $80 per share, he must forfeit the entire 100 share block of stock. 
     Free Turns: Free turns offer the player the same buy and sell rights as do regular turns. For the purposes of these regulations, when a player uses a Free Turn card, his first turn is deemed to be the Free Turn and his next turn is considered to be his regular turn. 
     Running Out of Stock, CDs or Cash: In the unlikely event that any of the three types of assets are totally distributed among players, paper IOUs of the appropriate type can be created to allow the game to continue. The standard Big Board issues of stock, CDs and cash are not intended to place any limits on the availability of these assets. 
     Trades of Greater Than 2,000 Shares: The Big Board Stock Purchase and Sale Schedules will cover the great majority of trades that will occur during the normal course of a game. The Price Schedules are not intended to set a maximum on the number of shares that can be traded. To calculate the cost or proceeds from large trades, use the schedules in an additive manner. That is, if you are buying 2,400 shares at $20, simply add the cost of 2,000 shares @20/share, $42,000 to the cost of 400 shares @20/share, $8,400, to get the net purchase price of $50,400. 
     The Big Board Dividend Payout Table can be used to calculate the dividend pay outs when large numbers of shares are held. 
     Stock Splits and Stock Certificates: The stock certificates for the Big Board companies are labeled to identify them as part of the original issue, the first split, and so forth. These labels are only used to determine the total number of shares available for trading at any particular time. When a stock splits, the shares in the original issue and the first split distribution are for all purposes equal. If at the time of a split, one player is holding all the small share units of a particular issue, and exchanges of denominations are required to complete the distribution, all players are obligated to cooperate in &#34;making change&#34; until the distribution is successfully completed. 
     All stock price moves in Big Board are done in $2 increments. After splits, price adjustments may be necessary to ensure that the result of the split does not result in a stock having an odd number price valuation. The following schedule provides examples of split adjustments for a range of common stock split situations: 
     
         ______________________________________                                    
Stock     Pre-Split    Stock    Post-Split                                
Advances To                                                               
          Adjustment   Splits To                                          
                                Adjustment                                
______________________________________                                    
101       102          51       52                                        
102       none         51       52                                        
103       104          52       none                                      
104       none         52       none                                      
105       106          53       54                                        
106       none         53       54                                        
107       108          54       none                                      
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     Move Anywhere: A player rolling double 1s or 6s and playing $500 for a Move Anywhere option can move from 1 to 39 squares in a forward direction. A player landing on a game board Move Anywhere square and paying $1,500 can likewise move from 1 to 39 squares forward from the game board square. In no case can a player use either double 1s or 6s or a game board Move Anywhere to move to a Move Anywhere game board square. Otherwise, a player collecting more than $3,000 at Start could circle endlessly via the two Move Anywhere squares, slowly building a fortune in dividends and interest. 
     Transaction Finalization: All buy and sell transactions are deemed complete when the exchange of stock, CDs, Market Manipulation cards and/or cash is complete. A player may rescind a transaction at any time prior to that point. A player may not rescind a transaction simply because he hasn&#39;t rolled the dice for his turn. A transaction may be rescinded if the player can show the transaction was in error in the amount of money either paid or received. Once the player rolls the dice for his turn, all transactions are deemed final regardless of error. 
     Start: Any player forgetting to collect interest or dividends before the end of his turn upon passing or landing on Start forfeits any such interest and/or dividends. A player&#39;s turn ends when the next player rolls the dice. If a player pays a Free Turn card, the result of which makes him eligible for dividends and/or interest, and then rolls the dice for his or her regular turn prior to collecting any such dividends and/or interest, such dividends and or interest are forfeit. 
     Dividends: If a company&#39;s price per share is below 10 at the time a player crosses Start, no dividends are issued to players holding stock in the company even though the end result of the move may be to advance the company&#39;s per share value to $10 or above. Conversely, if a company&#39;s value is 10 or above at the time the player passes Start, dividends are paid even though the end effect of the move may be to move the company&#39;s value below 10. 
     Certificates of Deposit: CDs can be used for the purchase of stock or any other Big Board expenditure except for the financing of a Call. However, any CD exchanged for anything other than cash is subject to a $500 early withdrawal penalty. Other than the penalty, a player may receive change for the unspent amount of any CD used to meet a Margin Call. No player can be forced to cash CDs to comply with an attempted Put by another player. No more than five CDs can be used during a single turn. 
     A player may use CDs in place of cash as described above, but cannot conduct more than one type of transaction. That is, a player may not both buy stock with several CDs and exchange several additional CDs for cash during the same turn. 
     Public Accounting: All Big Board transactions and the assets held by any player are not to be kept secret. Any player may request an accounting at any time during the game. Any such accounting may be approximate rather than exact, unless the requesting player requests an exact count of assets held. 
     BIG BOARD 
     A Stock Market Primer 
     Shares of stock represent units of ownership in a corporation. In the United States, many of the major business corporations such as IBM and General Motors are publicly owned by thousands of individual investors. Shares of stock in publicly held companies are traded on public stock exchanges. There are several stock exchanges in the United States, some of regional and some of national scope. The largest and one of the oldest of the exchanges is the New York Stock Exchange, otherwise known as the Big Board. 
     The exchanges exist to provide liquidity for the owners of stock. That is, the exchanges provide a ready market for buyers and sellers. The per share valuations of publicly traded companies generally fluctuate daily in accord with the rise and fall in demand for the stock. 
     The business sections of many newspapers carry the results of the prior day&#39;s trading on the Big Board, and often for several of the smaller exchanges as well. The cover of Big Board displays actual trading results for various companies on the New York Stock Exchange as of the close of trading on Aug. 15, 1996. We&#39;ll take a look at one of those companies, Texas Instruments, with column headings as they typically appear in a newspaper. 
     
         ______________________________________                                    
52 Week                   Vol          Net                                
Hi    Lo      Stock   SYM  Div  PE  100s Last  Chng                       
______________________________________                                    
83 3/4                                                                    
      40 1/2  TexInstr                                                    
                      TXN  0.68 11  5036 46 3/4                           
                                               +1/4                       
______________________________________                                    
 
    
     Stock quotations are easy to read once you understand the types of information being presented. The first two columns give the trading highs and lows for the year for the stock. We can see that Texas Instruments has traded at a high of 83 3/4 dollars per share on the year and a low of 40 1/2 dollars per share. The fourth column contains the symbol that the exchange uses to identify the company. The fifth column indicates that the current annual dividend rate for TXN is $0.68 per share. If you held 100 shares of TXN stock for a year, you would earn $68.00 in dividends, providing the dividend rate wasn&#39;t changed during this period. 
     The sixth column, PE, represents the Price/Earnings Ratio. Of the various figures listed above, the Price/Earning ratio is the one that is most often confusing. In the quote above, TXN has a Price/Earnings Ratio of 11. This means that the current price of a share of stock is 11 times the earning power of that share. The eighth column gives us the close price on which the Price/Earning ratio is based, here 46 3/4 dollars per share. By dividing the last close by the PE of 11, we can see that TXN is currently earning $4.25 per share. 
     Columns seven, eight and nine are straightforward. Column seven, Vol 100s, presents the day&#39;s trading volume in 100 share units. Here the day&#39;s trading for TXN was 503,600 shares. Column eight, Last, presents the closing per share price of the stock based on the final trade of the day. Column nine, Net Chng, presents the advance or loss for the day. Here we can see that TXN is up 1/4 point, or 25 cents per share from the prior day&#39;s close. This stock quote illustrates the two most common ways an investor earns money from his investment: Capital Gains and Dividend Income. There are additional ways which we will look at shortly. 
     Capital gains simply means an increase in the market value of a stock. In the case of TXN, if an investor had been lucky enough to buy at the year&#39;s low of 40 1/2, he would now have an unrealized gain of 6 1/4 points, or $6.25 per share with the stock closing at 46 3/4. Of course, if the same investor had bought at the high of 83 3/4, he would now have an unrealized loss of 37 points, or $37.00 per share. 
     Dividend Income is much more predictable and sedate, and also less exciting. If our investor held 100 shares of TXN of a year, and the dividend rate was not changed, he would have earned $68.00 in dividend income. Generally speaking, dividend payout rates are not nearly as changeable as the price of the stock itself. A steady payout of dividends keeps the shareholders happy, and companies will go to considerable ends to achieve this appearance of steadiness. 
     Dividend rates are not completely immune to hard times, however. When times are lean the dividend rate may be reduced, or the dividend may be eliminated altogether until the finances of the company improve and there is sufficient cash flow to resume dividend payments. 
     The seven companies in Big Board provide a realistic cross-section of Capital Gains and Dividend earning potential. A document called a prospectus is available to investors in the case of new issues of stock. The Big Board Prospectus will provide you with key financial information on the seven companies on the Big Board. 
     Shareholders rarely buy or sell the stocks of publicly traded companies directly to each other, though it is not illegal or impossible to do this. Rather, they deal through a broker. Brokers stay in continual contact with the major exchanges, and thus can almost always find a party willing to buy or sell a particular stock at or near the current trading price range. Brokers charge a fee for this service called a broker&#39;s commission. An investor pays a commission when he buys a stock, and pays a commission when he sells. 
     Making the determination of when and at what price to buy or sell a stock can be a complex matter. This activity is known as Security Analysis, and there are two distinct schools: The Fundamentalists, and The Technicians. 
     The Fundamentalists advocate close analysis of the basic financial and business health of the companies themselves. From a Fundamentalist perspective, securities analysis would involve close scrutiny of the Company Profile data in the Big Board Prospectus, moderated by consideration of the current broad market trends. 
     Technical Analysis, on the other hand, almost totally ignores the basic financial profiles of the companies being analyzed, and instead studies the movements of the price indexes themselves in an attempt to discover useful patterns. In Big Board, the player tending to a Technical Analysis viewpoint will be much more interested in the number of squares separating the Market Turns Bear and Fluctuates square from an approaching group of two or three players. 
     As noted above, Capital Gains and Dividend Income are the two most common ways for an investor to earn money. There are, in addition, other more sophisticated ways to earn, or lose, money. 
     The Put is a contract to sell 100 shares of stock within a definite time at a definite price. The seller of the Put expects the price to go down and the buyer expects it to go up. For example, if Investor A sells a Put to Investor B for 100 shares of XYZ Corporation at 50 and the stock drops to 25, Investor A simply buys 100 shares at 25 and sells them to Investor B at 50, making $25 per share. However, if the stock goes to 75, Investor A must then sell stock worth $75 per share for $50 per share, thus losing $25 per share. The Call is a similar contract, but the reverse of the Put. 
     The Margin Call is a hazard sometimes encountered by high flying investors buying stocks with borrowed money. When an investor buys on margin, he only puts up a portion of the purchase price, and borrows the rest from the broker. This allows the investor to purchase more shares than he would have been able to buy if required to pay fully in cash. The theory behind buying on margin is that it allows the investor to own more shares in a rising market and thus make money faster. The downside of buying on margin is that if the market goes bear, the investor can lose money at the same brisk rate. When the investor&#39;s equity falls below a certain percentage, more cash must be put up to satisfy the margin requirements. 
     Overseeing the action in the various stock exchanges is a Federal oversight group called the Securities Exchange Commission. The Securities Exchange Commission was founded in 1934 largely in response to the speculative excesses that contributed to the Crash of October 1929 and the Great Depression. 
     The SEC has the general responsibility to ensure that securities markets are run in a fair and equitable manner. The SEC has various tools at its disposal for curbing illegal practices. An SEC investigation often can have an adverse effect on a company&#39;s market value. 
     The concepts covered in this short primer are implemented in various way in Big Board. This description of the general workings of the market and stock exchanges is not intended to replace or modify The Rules of Big Board and the Big Board Regulations. In all cases, the rules and regulations govern the play in Big Board. 
     BIG BOARD PROSPECTUS 
     Profiles Of The Big Board Companies 
     Global Motors: A blue chip stock for decades, Global Motors is a large, mature company with operations throughout the United States and Europe. Its initial valuation of $80 per share is the highest of the seven companies on the Big Board. The two game board fluctuation squares for Global Motors, one moving the stock up four points and the other moving it down two points, give the company a stable, moderately upward capital gains profile. Global Motors pays the highest dividend of the seven companies at $5 per share. There are 1,000 shares of stock available for trading in the original issue. Stock Symbol: GM. 
     Consolidated Technologies: Consolidated Technologies, with an initial valuation of $70 per share, starts the game second only to Global Motors on the Big Board. Like Global Motors, Consolidated Technologies has an overall moderately upward capital gains profile. However, the game board fluctuation square values of eight points up and six points down, make Consolidated Technologies somewhat more volatile. Consolidated Technologies pay a $3 dividend per share. There are 800 shares of stock available for trading in the original issue. Stock Symbol: CT. 
     International Airways: A mid-sized international cargo and passenger air carrier, International Airways serves the Western United States and the Pacific Rim. With expanding overseas operations, International Air&#39;s fluctuation squares of plus six points and minus two give it a moderately strong capital appreciation potential. International Airways is currently diverting a major portion of cash flow to this expansion, and thus pays a modest dividend of $1 per share. There are 600 shares of stock available for trading in the original issue, at an initial price of $60 per share. Stock Symbol: IA. 
     United Speculators: A holding company specializing in a variety of highly speculative and volatile investments, United Speculators is probably best described as a mutual fund for the adventurous. The game board fluctuation squares of twenty points up and twenty points down make United Speculators by far the most volatile stock on the Big Board. The Board of Directors of United Speculators have neither the time nor the inclination to deal with anything as mundane as dividend payments. Accordingly, United Speculators doesn&#39;t pay a dividend. There are 1,000 shares of stock available for trading in the original issue, at an initial price of $50 per share. Stock Symbol: US. 
     New York Gas &amp; Electric: Serving Upstate New York since the turn of the century, New York Gas &amp; Electric offers the stability common to utility stocks. The game board fluctuation squares of two points up and two points down in fact make New York Gas &amp; Electric the most inherently stable of the companies on the Big Board. With a steady history of revenue, New York Gas &amp; Electric pays a relatively attractive dividend of $3 per share. There are 800 shares of stock available for trading in the original issue, at an initial price of $40 per share. Stock Symbol: NY. 
     Solar Power, Inc.: A relatively young company in a new technology, Solar Power develops and markets solar energy collection units throughout the Southwest. Currently diverting all incoming revenues back into research and marketing efforts, Solar Power does not pay a dividend. The game board fluctuation squares of ten points up and four points down nonetheless give Solar Power the attractive capital gains potential of an up and coming growth stock. There are 600 shares of stock available for trading in the original issue, at an initial price of $30 per share. Stock Symbol: SP. 
     Ralph&#39;s Shoes: Solid little company. Established in Green Bay in 1953, Ralph&#39;s Shoes retails a range of athletic and dress styles throughout Wisconsin and Minnesota. The game board fluctuation squares of four points up and two points down reflect a slow but steady increase in sales at Ralph&#39;s over the last ten years. Paying a dividend of $1 per share, Ralph&#39;s Shoes offers balanced capital gains potential and dividend income to the investor. At an initial trading price of $20 per share, Ralph&#39;s Shoes is attractively affordable. There are 400 shares of stock available for trading in the original issue. Stock Symbol: RS. 
     
         ______________________________________                                    
Company Profiles Summary                                                  
            Price per                                                     
            Share at                                                      
                   Capital Dividend Original                              
            Beginning                                                     
                   Gains   per 100  Issue                                 
            of Game                                                       
                   Profile Shares   Shares                                
______________________________________                                    
Global Motors $80/share                                                   
                       +4/-2   $500   $1,000                              
Consolidated Technologies                                                 
              $70/share                                                   
                       +8/-6   $300   800                                 
International Air                                                         
              $60/share                                                   
                       +6/-2   $100   600                                 
United Speculators                                                        
              $50/share                                                   
                       +20/-20 --     1,000                               
New York Gas &amp; Electric                                                   
              $40/share                                                   
                       +2/-2   $300   800                                 
Solar Power, Inc.                                                         
              $30/share                                                   
                       +10/-4  --     600                                 
Ralph&#39;s Shoes $20/share                                                   
                       +4/-2   $100   400                                 
______________________________________                                    
 
    
     Disclaimer: This prospectus is not an advertisement. There is no guarantee that any of the stocks described herein will prove profitable to the investor, nor that any of the companies represented thereby will even survive to the end of the game. The stock of all companies on the Big Board, their respective individual dividend and capital gain profiles notwithstanding, are subject to the influence of broad market swings; bankruptcy; good luck; the use of certain options on the game board which may elevate or depress the value of issues owned by you or an opponent; bad luck; stock splits; malice or goodwill on the part of an opponent; heedless manipulation of companies in which you, innocently, own stock; SEC actions; heedless manipulation of companies that you yourself have instigated, etc., etc. 
     
         ______________________________________                                    
BIG BOARD                                                                 
Stock Purchases Table                                                     
Net Costs For Stock Purchases Including Commission                        
per     100       200     300     400   500                               
Shares  Shares    Shares  Shares  Shares                                  
                                        Shares                            
______________________________________                                    
2       300       600     900     1,200 1,500                             
4       500       1,000   1,500   2,000 2,500                             
6       700       1,400   2,100   2,800 3,500                             
8       900       1,800   2,700   3,600 4,500                             
10      1,100     2,200   3,300   4,400 5,500                             
12      1,300     2,600   3,900   5,200 6,500                             
14      1,500     3,000   4,500   6,000 7,500                             
16      1,700     3,400   5,100   6,800 8,500                             
18      1,900     3,800   5,700   7,600 9,500                             
20      2,100     4,200   6,300   8,400 10,500                            
22      2,300     4,600   6,900   9,200 11,500                            
24      2,500     5,000   7,500   10,000                                  
                                        12,500                            
26      2,700     5,400   8,100   10,800                                  
                                        13,500                            
28      2,900     5,800   8,700   11,600                                  
                                        14,500                            
30      3,100     6,200   9,300   12,400                                  
                                        15,500                            
32      3,300     6,600   9,900   13,200                                  
                                        16,500                            
34      3,500     7,000   10,500  14,000                                  
                                        17,500                            
36      3,700     7,400   11,100  14,800                                  
                                        18,500                            
38      3,900     7,800   11,700  15,600                                  
                                        19,500                            
40      4,100     8,200   12,300  16,400                                  
                                        20,500                            
42      4,300     8,600   12,900  17,200                                  
                                        21,500                            
44      4,500     9,000   13,500  18,000                                  
                                        22,500                            
46      4,700     9,400   14,100  18,800                                  
                                        23,500                            
48      4,900     9,800   14,700  19,600                                  
                                        24,500                            
50      5,100     10,200  15,300  20,400                                  
                                        25,500                            
52      5,300     10,600  15,900  21,200                                  
                                        26,500                            
54      5,500     11,000  16,500  22,000                                  
                                        27,500                            
56      5,700     11,400  17,100  22,800                                  
                                        28,500                            
58      5,900     11,800  17,700  23,600                                  
                                        29,500                            
60      6,100     12,200  18,300  24,400                                  
                                        30,500                            
62      6,300     12,600  18,900  25,200                                  
                                        31,500                            
64      6,500     13,000  19,500  26,000                                  
                                        32,500                            
66      6,700     13,400  20,100  26,800                                  
                                        33,500                            
68      6,900     13,800  20,700  27,600                                  
                                        34,500                            
70      7,100     14,200  21,300  28,400                                  
                                        35,500                            
72      7,300     14,600  21,900  29,200                                  
                                        36,500                            
74      7,500     15,000  22,500  30,000                                  
                                        37,500                            
76      7,700     15,400  23,100  30,800                                  
                                        38,500                            
78      7,900     15,800  23,700  31,600                                  
                                        39,500                            
80      8,100     16,200  24,300  32,400                                  
                                        40,500                            
82      8,300     16,600  24,900  33,200                                  
                                        41,500                            
84      8,500     17,000  25,500  34,000                                  
                                        42,500                            
86      8,700     17,400  26,100  34,800                                  
                                        43,500                            
88      8,900     17,800  26,700  35,600                                  
                                        44,500                            
90      9,100     18,200  27,300  36,400                                  
                                        45,500                            
92      9,300     18,600  27,900  37,200                                  
                                        46,500                            
94      9,500     19,000  28,500  38,000                                  
                                        47,500                            
96      9,700     19,400  29,100  38,800                                  
                                        48,500                            
98      9,900     19,800  29,700  39,600                                  
                                        49,500                            
100     10,100    20,200  30,300  40,400                                  
                                        50,500                            
per     600       700     800     900   1,000                             
Shares  Shares    Shares  Shares  Shares                                  
                                        Shares                            
______________________________________                                    
2       1,800     2,100   2,400   2,700 3,000                             
4       3,000     3,500   4,000   4,500 5,000                             
6       4,200     4,900   5,600   6,300 7,000                             
8       5,400     6,300   7,200   8,100 9,000                             
10      6,600     7,700   8,800   9,900 11,000                            
12      7,800     9,100   10,400  11,700                                  
                                        13,000                            
14      9,000     10,500  12,000  13,500                                  
                                        15,000                            
16      10,200    11,900  13,600  15,300                                  
                                        17,000                            
18      11,400    13,300  15,200  17,100                                  
                                        19,000                            
20      12,600    14,700  16,800  18,900                                  
                                        21,000                            
22      13,800    16,100  18,400  20,700                                  
                                        23,000                            
24      15,000    17,500  20,000  22,500                                  
                                        25,000                            
26      16,200    18,900  21,600  24,300                                  
                                        27,000                            
28      17,400    20,300  23,200  26,100                                  
                                        29,000                            
30      18,600    21,700  24,800  27,900                                  
                                        31,000                            
32      19,800    23,100  26,400  29,700                                  
                                        33,000                            
34      21,000    24,500  28,000  31,500                                  
                                        35,000                            
36      22,200    25,900  29,600  33,300                                  
                                        37,000                            
38      23,400    27,300  31,200  35,100                                  
                                        39,000                            
40      24,600    28,700  32,800  36,900                                  
                                        41,000                            
42      25,800    30,100  34,400  38,700                                  
                                        43,000                            
44      27,000    31,500  36,000  40,500                                  
                                        45,000                            
46      28,200    32,900  37,600  42,300                                  
                                        47,000                            
48      29,400    34,300  39,200  44,100                                  
                                        49,000                            
50      30,600    35,700  40,800  45,900                                  
                                        51,000                            
52      31,800    37,100  42,400  47,700                                  
                                        53,000                            
54      33,000    38,500  44,000  49,500                                  
                                        55,000                            
56      34,200    39,900  45,600  51,300                                  
                                        57,000                            
58      35,400    41,300  47,200  53,100                                  
                                        59,000                            
60      36,600    42,700  48,800  54,900                                  
                                        61,000                            
62      37,800    44,100  50,400  56,700                                  
                                        63,000                            
64      39,000    45,500  52,000  58,500                                  
                                        65,000                            
66      40,200    46,900  53,600  60,300                                  
                                        67,000                            
68      41,400    48,300  55,200  62,100                                  
                                        69,000                            
70      42,600    49,700  56,800  63,900                                  
                                        71,000                            
72      43,800    51,100  58,400  65,700                                  
                                        73,000                            
74      45,000    52,500  60,000  67,500                                  
                                        75,000                            
76      46,200    53,900  61,600  69,300                                  
                                        77,000                            
78      47,400    55,300  63,200  71,100                                  
                                        79,000                            
80      48,600    56,700  64,800  72,900                                  
                                        81,000                            
82      49,800    58,100  66,400  74,700                                  
                                        83,000                            
84      51,000    59,500  68,000  76,500                                  
                                        85,000                            
86      52,200    60,900  69,600  78,300                                  
                                        87,000                            
88      53,400    62,300  71,200  80,100                                  
                                        89,000                            
90      54,600    63,700  72,800  81,900                                  
                                        91,000                            
92      55,800    65,100  74,400  83,700                                  
                                        93,000                            
94      57,000    66,500  76,000  85,500                                  
                                        95,000                            
96      58,200    67,900  77,600  87,300                                  
                                        97,000                            
98      59,400    69,300  79,200  89,100                                  
                                        99,000                            
100     60,600    70,700  80,800  90,900                                  
                                        101,000                           
per     1,100     1,200   1,300   1,400 1,500                             
Shares  Shares    Shares  Shares  Shares                                  
                                        Shares                            
______________________________________                                    
2       3,300     3,600   3,900   4,200 4,500                             
4       5,500     6,000   6,500   7,000 7,500                             
6       7,700     8,400   9,100   9,800 10,500                            
8       9,900     10,800  11,700  12,600                                  
                                        13,500                            
10      12,100    13,200  14,300  15,400                                  
                                        16,500                            
12      14,300    15,600  16,900  18,200                                  
                                        19,500                            
14      16,500    18,000  19,500  21,000                                  
                                        22,500                            
16      18,700    20,400  22,100  23,800                                  
                                        25,500                            
18      20,900    22,800  24,700  26,600                                  
                                        28,500                            
20      23,100    25,200  27,300  29,400                                  
                                        31,500                            
22      25,300    27,600  29,900  32,200                                  
                                        34,500                            
24      27,500    30,000  32,500  35,000                                  
                                        37,500                            
26      29,700    32,400  35,100  37,800                                  
                                        40,500                            
28      31,900    34,800  37,700  40,600                                  
                                        43,500                            
30      34,100    37,200  40,300  43,400                                  
                                        46,500                            
32      36,300    39,600  42,900  46,200                                  
                                        49,500                            
34      38,500    42,000  45,500  49,000                                  
                                        52,500                            
36      40,700    44,400  48,100  51,800                                  
                                        55,500                            
38      42,900    46,800  50,700  54,600                                  
                                        58,500                            
40      45,100    49,200  53,300  57,400                                  
                                        61,500                            
42      47,300    51,600  55,900  60,200                                  
                                        64,500                            
44      49,500    54,000  58,500  63,000                                  
                                        67,500                            
46      51,700    56,400  61,100  65,800                                  
                                        70,500                            
48      53,900    58,800  63,700  68,600                                  
                                        73,500                            
50      56,100    61,200  66,300  71,400                                  
                                        76,500                            
52      58,300    63,600  68,900  74,200                                  
                                        79,500                            
54      60,500    66,000  71,500  77,000                                  
                                        82,500                            
56      62,700    68,400  74,100  79,800                                  
                                        85,500                            
58      64,900    70,800  76,700  82,600                                  
                                        88,500                            
60      67,100    73,200  79,300  85,400                                  
                                        91,500                            
62      69,300    75,600  81,900  88,200                                  
                                        94,500                            
64      71,500    78,000  84,500  91,000                                  
                                        97,500                            
66      73,700    80,400  87,100  93,800                                  
                                        100,500                           
68      75,900    82,800  89,700  96,600                                  
                                        103,500                           
70      78,100    85,200  92,300  99,400                                  
                                        106,500                           
72      80,300    87,600  94,900  102,200                                 
                                        109,500                           
74      82,500    90,000  97,500  105,000                                 
                                        112,500                           
76      84,700    92,400  100,100 107,800                                 
                                        115,500                           
78      86,900    94,800  102,700 110,600                                 
                                        118,500                           
80      89,100    97,200  105,300 113,400                                 
                                        121,500                           
82      91,300    99,600  107,900 116,200                                 
                                        124,500                           
84      93,500    102,000 110,500 119,000                                 
                                        127,500                           
86      95,700    104,400 113,100 121,800                                 
                                        130,500                           
88      97,900    106,800 115,700 124,600                                 
                                        133,500                           
90      100,100   109,200 118,300 127,400                                 
                                        136,500                           
92      102,300   111,600 120,900 130,200                                 
                                        139,500                           
94      104,500   114,000 123,500 133,000                                 
                                        142,500                           
96      106,700   116,400 126,100 135,800                                 
                                        145,500                           
98      108,900   118,800 128,700 138,600                                 
                                        148,500                           
100     111,100   121,200 131,300 141,400                                 
                                        151,500                           
per     1,600     1,700   1,800   1,900 2,000                             
Shares  Shares    Shares  Shares  Shares                                  
                                        Shares                            
______________________________________                                    
2       4,800     5,100   5,400   5,700 6,000                             
4       8,000     8,500   9,000   9,500 10,000                            
6       11,200    11,900  12,600  13,300                                  
                                        14,000                            
8       14,400    15,300  16,200  17,100                                  
                                        18,000                            
10      17,600    18,700  19,800  20,900                                  
                                        22,000                            
12      20,800    22,100  23,400  24,700                                  
                                        26,000                            
14      24,000    25,500  27,000  28,500                                  
                                        30,000                            
16      27,200    28,900  30,600  32,300                                  
                                        34,000                            
18      30,400    32,300  34,200  36,100                                  
                                        38,000                            
20      33,600    35,700  37,800  39,900                                  
                                        42,000                            
22      36,800    39,100  41,400  43,700                                  
                                        46,000                            
24      40,000    42,500  45,000  47,500                                  
                                        50,000                            
26      43,200    45,900  48,600  51,300                                  
                                        54,000                            
28      46,400    49,300  52,200  55,100                                  
                                        58,000                            
30      49,600    52,700  55,800  58,900                                  
                                        62,000                            
32      52,800    56,100  59,400  62,700                                  
                                        66,000                            
34      56,000    59,500  63,000  66,500                                  
                                        70,000                            
36      59,200    62,900  66,600  70,300                                  
                                        74,000                            
38      62,400    66,300  70,200  74,100                                  
                                        78,000                            
40      65,600    69,700  73,800  77,900                                  
                                        82,000                            
42      68,800    73,100  77,400  81,700                                  
                                        86,000                            
44      72,000    76,500  81,000  85,500                                  
                                        90,000                            
46      75,200    79,900  84,600  89,300                                  
                                        94,000                            
48      78,400    83,300  88,200  93,100                                  
                                        98,000                            
50      81,600    86,700  91,800  96,900                                  
                                        102,000                           
52      84,800    90,100  95,400  100,700                                 
                                        106,000                           
54      88,000    93,500  99,000  104,500                                 
                                        110,000                           
56      91,200    96,900  102,600 108,300                                 
                                        114,000                           
58      94,400    100,300 106,200 112,100                                 
                                        118,000                           
60      97,600    103,700 109,800 115,900                                 
                                        122,000                           
62      100,800   107,100 113,400 119,700                                 
                                        126,000                           
64      104,000   110,500 117,000 123,500                                 
                                        130,000                           
66      107,200   113,900 120,600 127,300                                 
                                        134,000                           
68      110,400   117,300 124,200 132,100                                 
                                        138,000                           
70      113,600   120,700 127,800 134,900                                 
                                        142,000                           
72      116,800   124,100 131,400 138,700                                 
                                        146,000                           
74      120,000   127,500 135,000 142,500                                 
                                        150,000                           
76      123,200   130,900 138,600 146,300                                 
                                        154,000                           
78      126,400   134,300 142,200 150,100                                 
                                        158,000                           
80      129,600   137,700 145,800 153,900                                 
                                        162,000                           
82      132,800   141,100 149,400 157,700                                 
                                        166,000                           
84      136,000   144,500 153,000 161,500                                 
                                        170,000                           
86      139,200   147,900 156,600 165,300                                 
                                        174,000                           
88      142,400   151,300 160,200 169,100                                 
                                        178,000                           
90      145,600   157,700 163,800 172,900                                 
                                        182,000                           
92      148,800   158,100 167,400 176,700                                 
                                        186,000                           
94      152,000   161,500 171,000 180,500                                 
                                        190,000                           
96      155,200   164,900 174,600 184,300                                 
                                        194,000                           
98      158,400   168,300 178,200 188,100                                 
                                        198,000                           
100     161,600   171,700 181,800 191,900                                 
                                        202,000                           
______________________________________                                    
 
    
     
         ______________________________________                                    
BIG BOARD                                                                 
Stock Sales Table                                                         
Net Proceeds From Stock Sales After Commission                            
______________________________________                                    
per    100      200      300    400     500                               
Shares Shares   Shares   Shares Shares  Shares                            
______________________________________                                    
2      100      200      300    400     500                               
4      300      600      900    1,200   1,500                             
6      500      1,000    1,500  2,000   2,500                             
8      700      1,400    2,100  2,800   3,500                             
10     900      1,800    2,700  3,600   4,500                             
12     1,100    2,200    3,300  4,400   5,500                             
14     1,300    2,600    3,900  5,200   6,500                             
16     1,500    3,000    4,500  6,000   7,500                             
18     1,700    3,400    5,100  6,800   8,500                             
20     1,900    3,800    5,700  7,600   9,500                             
22     2,100    4,200    6,300  8,400   10,500                            
24     2,300    4,600    6,900  9,200   11,500                            
26     2,500    5,000    7,500  10,000  12,500                            
28     2,700    5,400    8,100  10,800  13,500                            
30     2,900    5,800    8,700  11,600  14,500                            
32     3,100    6,200    9,300  12,400  15,500                            
34     3,300    6,600    9,900  13,200  16,500                            
36     3,500    7,000    10,500 14,000  17,500                            
38     3,700    7,400    11,100 14,800  18,500                            
40     3,900    7,800    11,700 15,600  19,500                            
42     4,100    8,200    12,300 16,400  20,500                            
44     4,300    8,600    12,900 17,200  21,500                            
46     4,500    9,000    13,500 18,000  22,500                            
48     4,700    9,400    14,100 18,800  23,500                            
50     4,900    9,800    14,700.                                          
                                19,600  24,500                            
52     5,100    10,200   15,300 20,400  25,500                            
54     5,300    10,600   15,900 21,200  26,500                            
56     5,500    11,000   16,500 22,000  27,500                            
58     5,700    11,400   17,100 22,800  28,500                            
60     5,900    11,800   17,700 23,600  29,500                            
62     6,100    12,200   18,300 24,400  30,500                            
64     6,300    12,600   18,900 25,200  31,500                            
66     6,500    13,000   19,500 26,000  32,500                            
68     6,700    13,400   20,100 26,800  33,500                            
70     6,900    13,800   20,700 27,600  34,500                            
72     7,100    14,200   21,300 28,400  35,500                            
74     7,300    14,600   21,900 29,200  36,500                            
76     7,500    15,000   22,500 30,000  37,500                            
78     7,700    15,400   23,100 30,800  38,500                            
80     7,900    15,800   23,700 31,600  39,500                            
82     8,100    16,200   24,300 32,400  40,500                            
84     8,300    16,600   24,900 33,200  41,500                            
86     8,500    17,000   25,500 34,000  42,500                            
88     8,700    17,400   26,100 34,800  43,500                            
90     8,900    17,800   26,700 35,600  44,500                            
92     9,100    18,200   27,300 36,400  45,500                            
94     9,300    18,600   27,900 37,200  46,500                            
96     9,500    19,000   28,500 38,000  47,500                            
98     9,700    19,400   29,100 38,800  48,500                            
100    9,900    19,800   29,700 39,600  49,500                            
______________________________________                                    
per    600      700      800    900     1,000                             
Shares Shares   Shares   Shares Shares  Shares                            
______________________________________                                    
2      600      700      800    900     1,000                             
4      1,800    2,100    2,400  2,700   3,000                             
6      3,000    3,500    4,000  4,500   5,000                             
8      4,200    4,900    5,600  6,300   7,000                             
10     5,400    6,300    7,200  8,100   9,000                             
12     6,600    7,700    8,800  9,900   11,000                            
14     7,800    9,100    10,400 11,700  13,000                            
16     9,000    10,500   12,000 13,500  15,000                            
18     10,200   11,900   13,600 15,300  17,000                            
20     11,400   13,300   15,200 17,100  19,000                            
22     12,600   14,700   16,800 18,900  21,000                            
24     13,800   16,100   18,400 20,700  23,000                            
26     15,000   17,500   20,000 22,500  25,000                            
28     16,200   18,900   21,600 24,300  27,000                            
30     17,400   20,300   23,200 26,100  29,000                            
32     18,600   21,700   24,800 27,900  31,000                            
34     19,800   23,100   26,400 29,700  33,000                            
36     21,000   24,500   28,000 31,500  35,000                            
38     22,200   25,900   29,600 33,300  37,000                            
40     23,400   27,300   31,200 35,100  39,000                            
42     24,600   28,700   32,800 36,900  41,000                            
44     25,800   30,100   34,400 38,700  43,000                            
46     27,000   31,500   36,000 40,500  45,000                            
48     28,200   32,900   37,600 42,300  47,000                            
50     29,400   34,300   39,200 44,100  49,000                            
52     30,600   35,700   40,800 45,900  51,000                            
54     31,800   37,100   42,400 47,700  53,000                            
56     33,000   38,500   44,000 49,500  55,000                            
58     34,200   39,900   45,600 51,300  57,000                            
60     35,400   41,300   47,200 53,100  59,000                            
62     36,600   42,700   48,800 54,900  61,000                            
64     37,800   44,100   50,400 56,700  63,000                            
66     39,000   45,500   52,000 58,500  65,000                            
68     40,200   46,900   53,600 60,300  67,000                            
70     41,400   48,300   55,200 62,100  69,000                            
72     42,600   49,700   56,800 63,900  71,000                            
74     43,800   51,100   58,400 65,700  73,000                            
76     45,000   52,500   60,000 67,500  75,000                            
78     46,200   53,900   61,600 69,300  77,000                            
80     47,400   55,300   63,200 71,100  79,000                            
82     48,600   56,700   64,800 72,900  81,000                            
84     49,800   58,100   66,400 74,700  83,000                            
86     51,000   59,500   68,000 76,500  85,000                            
88     52,200   60,900   69,600 78,300  87,000                            
90     53,400   62,300   71,200 80,100  89,000                            
92     54,600   63,700   72,800 81,900  91,000                            
94     55,800   65,100   74,400 83,700  93,000                            
96     57,000   66,500   76,000 85,500  95,000                            
98     58,200   67,900   77,600 87,300  97,000                            
100    59,400   69,300   79,200 89,100  99,000                            
______________________________________                                    
per    1,100    1,200    1,300  1,400   1,500                             
Shares Shares   Shares   Shares Shares  Shares                            
______________________________________                                    
2      1,100    1,200    1,300  1,400   1,500                             
4      3,300    3,600    3,900  4,200   4,500                             
6      5,500    6,000    6,500  7,000   7,500                             
8      7,700    8,400    9,100  9,800   10,500                            
10     9,900    10,800   11,700 12,600  13,500                            
12     12,100   13,200   14,300 15,400  16,500                            
14     14,300   15,600   16,900 18,200  19,500                            
16     16,500   18,000   19,500 21,000  22,500                            
18     18,700   20,400   22,100 23,800  25,500                            
20     20,900   22,800   24,700 26,600  28,500                            
22     23,100   25,200   27,300 29,400  31,500                            
24     25,300   27,600   29,900 32,200  34,500                            
26     27,500   30,000   32,500 35,500  37,500                            
28     29,700   32,400   35,100 37,800  40,500                            
30     31,900   34,800   37,700 40,600  43,500                            
32     34,100   37,200   40,300 43,400  46,500                            
34     36,300   39,600   42,900 46,200  49,500                            
36     38,500   42,000   45,500 49,000  52,500                            
38     40,700   44,400   48,100 51,800  55,500                            
40     42,900   48,600   50,700 54,600  58,500                            
42     45,100   49,200   53,300 57,400  61,500                            
44     47,300   51,600   55,900 60,200  64,500                            
46     49,500   54,000   58,500 63,000  67,500                            
48     51,700   56,400   61,100 65,800  70,500                            
50     53,900   58,800   63,700 68,600  73,500                            
52     56,100   61,200   66,300 71,400  76,500                            
54     58,300   63,600   68,900 74,200  79,500                            
56     60,500   66,000   71,500 77,000  82,500                            
58     62,700   68,400   74,100 79,800  85,500                            
60     64,900   70,800   76,700 81,600  88,500                            
62     67,100   73,200   79,300 85,400  91,500                            
64     69,300   75,600   81,900 88,200  94,500                            
66     71,500   78,000   84,500 91,000  97,500                            
68     73,700   80,400   87,100 93,800  100,500                           
70     75,900   82,800   89,700 96,600  103,500                           
72     78,100   85,200   92,300 99,400  106,500                           
74     80,300   87,600   94,900 102,200 109,500                           
76     82,500   90,000   97,500 105,000 112,500                           
78     84,700   92,400   100,100                                          
                                107,800 115,500                           
80     86,900   94,800   102,700                                          
                                110,600 118,500                           
82     89,100   97,200   105,300                                          
                                113,400 121,500                           
84     91,300   99,600   107,900                                          
                                116,200 124,500                           
86     93,500   102,000  110,500                                          
                                119,000 127,500                           
88     95,700   104,400  113,100                                          
                                121,800 130,500                           
90     97,900   106,800  115,700                                          
                                124,600 133,500                           
92     100,100  109,200  118,300                                          
                                127,400 136,500                           
94     102,300  111,600  120,900                                          
                                130,200 139,500                           
96     104,500  114,000  123,500                                          
                                133,000 142,500                           
98     106,700  116,400  126,100                                          
                                135,800 145,500                           
100    108,900  118,800  128,700                                          
                                138,600 148,500                           
______________________________________                                    
per    1,600    1,700    1,800  1,900   2,000                             
Shares Shares   Shares   Shares Shares  Shares                            
______________________________________                                    
2      1,600    1,700    1,800  1,900   2,000                             
4      4,800    5,100    5,400  5,700   6,000                             
6      8,000    8,500    9,000  9,500   10,000                            
8      11,200   11,900   12,600 13,300  14,000                            
10     14,400   15,300   16,200 17,100  18,000                            
12     17,600   18,700   19,800 20,900  22,000                            
14     20,800   22,100   23,400 24,700  26,000                            
16     24,000   25,500   27,000 28,500  30,000                            
18     27,200   28,900   30,600 32,300  34,000                            
20     30,400   32,300   34,200 36,100  38,000                            
22     33,600   35,700   37,800 39,900  42,000                            
24     36,800   39,100   41,400 43,700  46,000                            
26     40,000   42,500   45,000 47,500  50,000                            
28     43,200   45,900   48,600 51,300  54,000                            
30     46,400   49,300   52,200 55,100  58,000                            
32     49,600   52,700   55,800 58,900  62,000                            
34     52,800   56,100   59,400 62,700  66,000                            
36     56,000   59,500   63,000 66,500  70,060                            
38     59,200   62,900   66,600 70,300  74,000                            
40     62,400   66,300   70,200 74,100  78,000                            
42     65,60.0  69,700   73,800 77,900  82,000                            
44     68,800   73,100   77,400 81,700  86,000                            
46     72,000   76,500   81,000 85,500  90,000                            
48     75,200   79,900   84,600 89,300  94,000                            
50     78,400   83,300   88,200 93,100  98,000                            
52     81,600   86,700   91,800 96,900  102,000                           
54     84,800   90,100   95,400 100,700 106,000                           
56     88,000   93,500   99,000 104,500 110,000                           
58     91,200   96,900   102,600                                          
                                108,300 114,000                           
60     94,400   100,300  106,200                                          
                                112,100 118,000                           
62     97,600   103,700  109,800                                          
                                115,900 122,000                           
64     100,800  107,100  113,400                                          
                                119,700 126,000                           
66     104,000  110,500  117,000                                          
                                123,500 130,000                           
68     107,200  113,900  120,600                                          
                                127,300 134,000                           
70     110,400  117,300  124,200                                          
                                131,100 138,000                           
72     113,600  120,700  127,800                                          
                                134,900 142,000                           
74     116,800  124,100  131,400                                          
                                138,700 146,000                           
76     120,000  127,500  135,000                                          
                                142,500 150,000                           
78     123,200  130,900  138,600                                          
                                146,300 154,000                           
80     126,400  134,300  142,200                                          
                                150,100 158,000                           
82     129,600  137,700  145,800                                          
                                153,900 162,000                           
84     132,800  141,100  149,400                                          
                                157,700 166,000                           
86     136,000  144,500  153,000                                          
                                161,500 170,000                           
88     139,200  147,900  156,600                                          
                                165,300 174,000                           
90     142,400  151,300  160,200                                          
                                169,100 178,000                           
92     145,600  154,700  163,800                                          
                                172,900 182,000                           
94     148,800  158,100  167,400                                          
                                176,700 186,000                           
96     152,000  161,500  171,000                                          
                                180,500 190,000                           
98     155,200  164,900  174,600                                          
                                184,300 194,000                           
100    158,400  168,300  178,200                                          
                                188,100 198,000                           
______________________________________                                    
 
    
     
         ______________________________________                                    
BIG BOARD                                                                 
Dividend Payout And Yield Tables                                          
Dividend Payout Table                                                     
# of Dividend Rate Per 100 Shares                                         
                 # of Dividend Rate Per 100 Shares                        
Shares                                                                    
      100    300     500   Shares                                         
                                 100   300   500                          
______________________________________                                    
100     100  300     500   5,100 5,100 15,300                             
                                             25,500                       
200     200  600     1,000 5,200 5,200 15,600                             
                                             26,000                       
300     300  900     1,500 5,300 5,300 15,900                             
                                             26,500                       
400     400  1,200   2,000 5,400 5,400 16,200                             
                                             27,000                       
500     500  1,500   2,500 5,500 5,500 16,500                             
                                             27,500                       
600     600  1,800   3,000 5,600 5,600 16,800                             
                                             28,000                       
700     700  2,100   3,500 5,700 5,700 17,100                             
                                             28,500                       
800     800  2,400   4,000 5,800 5,800 17,400                             
                                             29,000                       
900     900  2,700   4,500 5,900 5,900 17,700                             
                                             29,500                       
1,000 1,000  3,000   5,000 6,000 6,000 18,000                             
                                             30,000                       
1,100 1,100  3,300   5,500 6,100 6,100 18,300                             
                                             30,500                       
1,200 1,200  3,600   6,000 6,200 6,200 18,600                             
                                             31,000                       
1,300 1,300  3,900   6,500 6,300 6,300 18,900                             
                                             31,500                       
1,400 1,400  4,200   7,000 6,400 6,400 19,200                             
                                             32,000                       
1,500 1,500  4,500   7,500 6,500 6,500 19,500                             
                                             32,500                       
1,600 1,600  4,800   8,000 6,600 6,600 19,800                             
                                             33,000                       
1,700 1,700  5,100   8,500 6,700 6,700 20,100                             
                                             33,500                       
1,800 1,800  5,400   9,000 6,80  6,800 20,400                             
                                             34,000                       
1,900 1,900  5,700   9,500 6,900 6,900 20,700                             
                                             34,500                       
2,000 2,000  6,000   10,000                                               
                           7,000 7,000 21,000                             
                                             35,000                       
2,100 2,100  6,300   10,500                                               
                           7,100 7,100 21,300                             
                                             35,500                       
2,200 2,200  6,600   11,000                                               
                           7,200 7,200 21,600                             
                                             36,000                       
2,300 2,300  6,900   11,500                                               
                           7,300 7,300 21,900                             
                                             36,500                       
2,400 2,400  7,200   12,000                                               
                           7,400 7,400 22,200                             
                                             37,000                       
2,500 2,500  7,500   12,500                                               
                           7,500 7,500 22,500                             
                                             37,500                       
2,600 2,600  7,800   13,000                                               
                           7,600 7,600 22,800                             
                                             38,000                       
2,700 2,700  8,100   13,500                                               
                           7,700 7,000 23,100                             
                                             38,500                       
2,800 2,800  8,400   14,000                                               
                           7,800 7,800 23,400                             
                                             39,000                       
2,900 2,900  8,700   14,500                                               
                           7,900 7,900 23,700                             
                                             39,500                       
3,000 3,000  9,000   15,000                                               
                           8,000 8,000 24,000                             
                                             40,000                       
3,100 3,100  9,300   15,500                                               
                           8,100 8,100 24,300                             
                                             40,500                       
3,200 3,200  9,600   16,000                                               
                           8,200 8,200 24,600                             
                                             41,000                       
3,300 3,300  9,900   16,500                                               
                           8,300 8,300 24,900                             
                                             41,500                       
3,400 3,400  10,200  17,000                                               
                           8,400 8,400 25,200                             
                                             42,000                       
3,500 3,500  10,500  17,500                                               
                           8,500 8,500 25,500                             
                                             42,500                       
3,600 3,600  10,800  18,000                                               
                           8,600 8,600 25,800                             
                                             43,000                       
3,700 3,700  11,100  18,500                                               
                           8,700 8,700 26,100                             
                                             43,500                       
3,800 3,800  11,400  19,000                                               
                           8,800 8,800 26,400                             
                                             44,000                       
3,900 3,900  11,700  19,500                                               
                           8,900 8,900 26,700                             
                                             44,500                       
4,000 4,000  12,000  20,000                                               
                           9,000 9,000 27,000                             
                                             45,000                       
4,100 4,100  12,300  20,500                                               
                           9,100 9,100 27,300                             
                                             45,500                       
4,200 4,200  12,600  21,000                                               
                           9,200 0,200 27,600                             
                                             46,000                       
4,300 4,300  12,900  21,500                                               
                           9,300 9,300 27,900                             
                                             46,500                       
4,400 4,400  13,200  22,000                                               
                           9,400 90,400                                   
                                       28,200                             
                                             47,000                       
4,500 4,500  13,500  2,500 9,500 9,500 28,500                             
                                             47,500                       
4,600 4,600  13,800  23,000                                               
                           9,600 9,600 28,800                             
                                             48,000                       
4,700 4,700  14,100  23,500                                               
                           9,700 9,700 29,100                             
                                             48,500                       
4,800 4,800  14,400  24,000                                               
                           9,800 9,800 29,400                             
                                             49,000                       
4,900 4,900  14,700  24,500                                               
                           9,900 9,900 29,700                             
                                             49,500                       
5,000 5,000  15,000  25,000                                               
                           10,000                                         
                                 10,000                                   
                                       30,000                             
                                             50,000                       
______________________________________                                    
 
    
     
         ______________________________________                                    
Dividend Yield Table                                                      
                                Dividend Rate                             
Per Share                                                                 
       Dividend Rate Per Share                                            
                       Per Share                                          
                                Per Share                                 
Value  $1      $3      $5    Value  $1   $3   $5                          
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$1     (No dividends paid                                                 
                       $51      2.0% 5.9% 9.8%                            
$2     on stock with   $52      1.9% 5.8% 9.6%                            
$3     market value of $53      1.9% 5.7% 9.4%                            
$4     less than 10)   $54      1.9% 5.6% 9.3%                            
$5                     $55      1.8% 5.5% 9.1%                            
$6                     $56      1.8% 5.4% 8.9%                            
$7                     $57      1.8% 5.3% 8.8%                            
$8                     $58      1.7% 5.2% 8.6%                            
$9                     $59      1.7% 5.1% 8.5%                            
$10    10.0%   30.0%   50.0% $60    1.7% 5.0% 8.3%                        
$11    9.1%    27.3%   45.5% $61    1.6% 4.9% 8.2%                        
$12    8.3%    20.5%   41.7% $62    1.6% 4.8%.                            
                                              8.1%                        
$13    7.7%    23.1%   38.5% $63    1.6% 4.8% 7.9%                        
$14    7.1%    21.4%   35.7% $64    1.6% 4.7% 7.8%                        
$15    6.7%.   20.0%   33.3% $65    1.5% 4.6% 7.7%                        
$16    6.3%    18.8%   31.3% $66    1.5% 4.5% 7.6%                        
$17    5.9%    17.6%   29.4% $67    1.5% 4.5% 7.5%                        
$18    5.6%    16.7%   27.8% $68    1.5% 4.4% 7.4%                        
$19    5.3%    15.8%   26.3% $69    1.4% 4.3% 7.2%                        
$20    5.0%    15.0%   25.0% $70    1.4% 4.3% 7.1%                        
$21    4.8%    14.3%   23.8% $71    1.4% 4.2% 7.0%                        
$22    4.5%    13.6%   22.7% $72    1.4% 4.2% 6.9%                        
$23    4.3%    13.0%   21.7% $73    1.4% 4.1% 6.8%                        
$24    4.2%    12.5%   20.8% $74    1.4% 4.1% 6.8%                        
$25    4.0%    12.0%   20.0% $75    1.3% 4.0% 6.7%                        
$26    3.8%    11.5%   19.2% $76    1.3% 3.9% 6.6%                        
$27    3.7%    11.1%   18.5% $77    1.3% 3.9% 6.5%                        
$28    3.6%    10.7%   17.9% $78    1.3% 3.8% 6.4%                        
$29    3.4%    10.3%   17.2% $79    1.3% 3.8% 6.3%                        
$30    3.3%    10.0%   16.7% $80    1.3% 3.8% 6.3%                        
$31    3.2%    9.7%    16.1% $81    1.2% 3.7% 6.2%                        
$32    3.1%    9.4%    15.6% $82    1.2% 3.7.%                            
                                              6.1%                        
$33    3.0%    9.1%    15.2% $83    1.2% 3.6% 6.0%                        
$34    2.9%    8.8%    14.7% $84    1.2% 3.6% 6.0%                        
$35    2.9%    8.6%    14.3% $85    1.2% 3.5% 5.9%                        
$36    2.8%    8.3%    13.9% $86    1.2% 3.5% 5.8%                        
$37    2.7%    8.1%    13.5% $87    1.1% 3.4% 5.7%                        
$38    2.6%    7.9%    13.2% $88    1.1% 3.4% 5.7%                        
$39    2.6%    7.7%    12.8% $89    1.1% 3.4% 5.6%                        
$40    2.5%    7.5%    12.5% $90    1.1% 3.3% 5.6%                        
$41    2.4%    7.3%    12.2% $91    1.1% 3.3% 5.5%                        
$42    2.4%    7.1%    11.9% $92    1.1% 3.3% 5.4%                        
$43    2.3%    7.0%    11.6% $93    1.1% 3.2% 5.4%                        
$44    2.3%    6.8%    11.4% $94    1.1% 3.2% 5.3%                        
$45    2.2%    6.7%    11.1% $95    1.1% 3.2% 5.3%                        
$46    2.2%    6.5%    10.9% $96    1.0% 3.1% 5.2%                        
$47    2.1%    6.4%    10.6% $97    1.0% 3.1% 5.2%                        
$48    2.1%    6.3%    10.4% $98    1.0% 3.1% 5.1%                        
$49    2.0%    6.1%    10.2% $99    1.0% 3.0% 5.1%                        
$50    2.0%    6.0%    10.0%  $100  1.0% 3.0% 5.0%                        
______________________________________                                    
 
    
     It will be understood that each of the elements described above, or two or more together may also find a useful application in other types of methods differing from the type described above. 
     While certain novel features of this invention have been shown and described as pointed out in the annexed claims, it is not intended to be limited to the details above, since it will be understood that various omissions, modifications, substitutions and changes in the forms and details of the device illustrated and in its operation can be made by those skilled in the art without departing in any way from the spirit of the present invention. 
     Without further analysis, the foregoing will so fully reveal the gist of the present invention that others can, by applying current knowledge, readily adapt it for various applications without omitting features that, from the standpoint of prior art, fairly constitute essential characteristics of the generic or specific aspects of this invention.