Document:

EXHIBIT 10(l)

                              SEVENTH AMENDMENT TO
                     EXECUTIVE SALARY CONTINUATION AGREEMENT

            THIS AMENDMENT is made and entered into as of the 9th day of March,
2000, as an amendment to the Executive Salary Continuation Agreement dated June
5, 1986, (hereinafter called the "Agreement"), by and between NATIONAL CITY BANK
OF MINNEAPOLIS (hereinafter called the "Bank"), and David L. Andreas
(hereinafter called the "Executive"); and this Amendment supersedes the Sixth
Amendment to such Agreement, dated August 2, 1999.

            WHEREAS, the Executive remains in the employ of the Bank; and both
the Bank and the Executive desire to amend the Agreement; and

            WHEREAS, the Bank wishes (1) to remove the limitation on payment of
benefits under the Agreement so that the benefit under the Agreement will no
longer take into account the benefit provided under the Bank's cash balance
pension plan; and (2) to provide that the benefit under the Agreement will be
determined under a formula rather than stated as a fixed dollar amount;

            NOW, THEREFORE, in consideration of the services to be performed by
the Executive in the future, as well as the mutual promises herein contained,
the parties hereto agree to amend the Agreement as follows:

            1. Paragraph 1.1 of Article I (entitled "NORMAL RETIREMENT OR
DISABILITY") is hereby amended to read as follows:

                        1.1) Amount and Terms of Payment. For purposes of this
            Paragraph 1.1, the term "normal retirement date" shall mean the date
            on which the Executive attains sixty-five (65); the term "disability
            retirement date" shall mean the date on which the Executive
            terminates employment with the Bank due to his disability (as
            defined in Paragraph 1.4); and "base salary" shall include any base
            salary paid by the Bank, any of its subsidiaries and its parent
            company. In consideration of the Executive's remaining employed by
            the Bank until his normal retirement date or, if earlier, his
            disability retirement date (the "applicable date"), the Bank agrees
            that from and after the Executive's normal retirement date, subject
            to the following sentence of this Paragraph 1.1, the Bank shall
            thereafter pay to the Executive an annual amount equal to 50% (fifty
            percent) of the Executive's base salary as of the December 31st
            coinciding with or immediately preceding the applicable date, for a
            period of fifteen (15) years from and after the Executive's normal
            retirement date, payable in equal monthly installments commencing
            with the first day of the first month following the Executive's
            normal retirement date. However, if the Executive remains employed
            by the Bank after his normal retirement date, payment of the annual
            dollar amount that would have been payable upon his retirement at
            his normal retirement date shall be deferred, shall commence with
            the first day of the first month following the date of his actual
            retirement from the active service of the Bank (without any
            adjustment for that delay or any change in his base salary after the
            December 31st coinciding with or immediately preceding his normal
            retirement date) and shall be payable in the same manner and for the
            same period of time as provided

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            in the preceding sentence.

            2. Paragraph 1.2 (entitled "Continuation of Payment to Beneficiary")
of Article I is hereby amended by deleting the phrase "the sum of one-hundred
thirty-five thousand eight hundred twenty-eight dollars ($135,828) per annum"
and inserting in its place the phrase "the annual payment amount described in
Paragraph 1.1."

            3. Paragraph 1.3 of Article I is hereby amended to read as follows:

            1.3) Limitation on Payment. Effective July 1, 1999, there is no
            limitation on the annual payment amount specified in Paragraph 1.1.

            4. Paragraph 2.4 of Article II (entitled "EARLY RETIREMENT") is
hereby amended to read as follows:

            2.4) Limitation on Payment. Effective July 1, 1999, there is no
            limitation on the annual accrued benefit payment amount (whether
            determined from Column I or Column II of Schedule A or as it might
            otherwise be adjusted pursuant to Paragraph 2.2).

            5. Paragraph 3.1 (entitled "Amount and Terms of Payment") of Article
III (entitled "DEATH BENEFIT") is hereby amended by deleting the phrase "the sum
of one-hundred thirty-five thousand eight hundred twenty-eight dollars
($135,828) per annum" and inserting in its place the phrase "an annual amount
equal to 50% (fifty percent) of the Executive's base salary (as described in
Paragraph 1.1) as of the December 31 immediately preceding the earlier of (a)
the date of death of the Executive while in the employ of the Bank or (b) the
date of the termination of service with the Bank by the Executive due to
disability (as hereinafter defined),".

            6. Schedule A of the Agreement is hereby deleted in its entirety and
replaced by the attached Amended Schedule A, dated as of the date hereof.

            7. All of terms and conditions of the Agreement remain unchanged and
are hereby affirmed by the Bank and the Executive.

                            [SIGNATURE PAGE FOLLOWS]

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<PAGE>

            IN WITNESS WHEREOF, the parties hereto have executed this Amendment
to the Agreement as of the date first above written.

                              NATIONAL CITY BANK OF MINNEAPOLIS

                              By    /s/  David C. Malmberg
                                ------------------------------------------------
                                      As its: Chairman of the Board
ATTEST:

   /s/  Thomas J. Freed         "BANK"
--------------------------------
            Secretary

                                    /s/  David L. Andreas
                              --------------------------------------------------
                              Printed Name:  David L. Andreas
                                                            "EXECUTIVE"

                                       3
<PAGE>

                                   SCHEDULE A
                        TO SALARY CONTRIBUTION AGREEMENT

--------------------------------------------------------------------------------
                                    Column I
--------------------------------------------------------------------------------
   Annual Accrued Benefit Payment Amount Payable at Age Sixty-five (or Death)
                             After Early Retirement
--------------------------------------------------------------------------------
Such annual amount shall be determined by accumulating the existing Theoretical
Reserve (as defined below), as of the date of termination of the Executive's
employment, until the date the Executive attains age 65 at ten percent (10%)
annual interest (compounded monthly). The resulting accumulated balance is then
annuitized for a period of fifteen (15) years at the same annual interest rate
(compounded monthly). The resulting annual accrued benefit payment amount is
paid monthly for a period of fifteen (15) years, commencing at age 65.
--------------------------------------------------------------------------------
                                   Column II
--------------------------------------------------------------------------------
     Reduced Annual Accrued Benefit Payment Amount Payable Immediately Upon
                                Early Retirement
--------------------------------------------------------------------------------
Such annual amount shall be equal to the existing Theoretical Reserve (as
defined below), as of the date early payments are approved to begin to the
Executive, annuitized for a period of fifteen (15) years at ten percent (10%)
annual interest (compounded monthly). The resulting reduced annual accrued
benefit payment is paid monthly for a period of fifteen (15) years, commencing
as of the date early payments are approved to begin.
--------------------------------------------------------------------------------

                                   DEFINITIONS

            "Theoretical Reserve" means the dollar amount that would be
available in a reserve fund if, for each year from the original effective date
of this Salary Continuation Agreement (the "Agreement"), the Bank made a
Theoretical Contribution (as defined below) to the reserve fund on the
Executive's behalf.

            "Theoretical Contribution" means, for any year during which the
Agreement is in effect, is a contribution assumed to be made by the Bank and
determined by using the individual level premium funding method, from the age at
which the Executive was first covered by the Agreement until the Executive
attains age sixty-five (65), to fund the Executive's entire anticipated benefit
under the Agreement, assuming the Executive remains employed by the Bank during
that period. The calculation of the Theoretical Contribution as of any date
applies from the effective date of the Agreement until the Executive attains age
sixty-five (65) years, based on the benefit due under Paragraph 1.1 of the
Agreement, determined using the Executive's base salary as of that date.

                                       4EXHIBIT 10.21

                               THIRD AMENDMENT TO
                                 LOAN AGREEMENT

         THIS THIRD AMENDMENT TO LOAN AGREEMENT ("Third Amendment"), made and
entered into as of the 9th day of March, 2000, by and between MERCURY WASTE
SOLUTIONS, INC., a Minnesota corporation ("Borrower") and BANKERS AMERICAN
CAPITAL CORPORATION, a Minnesota corporation ("Lender");

                                    RECITALS

         A. The Borrower and Lender are parties to that certain Loan Agreement
dated as of May 8, 1998, as amended by that certain First Amendment dated May 7,
1999, as amended by that certain Second Amendment dated September 30, 1999 (the
"Credit Agreement").

         B. The Borrower has requested the Lender increase the total amount
available under the revolving loan to $2,000,000, to eliminate the term loan and
to make such other changes as set forth herein to accommodate Borrower.

         C. The parties hereto desire to amend the terms of the Credit Agreement
upon the terms and conditions hereinafter set forth.

                                    AGREEMENT

         NOW, THEREFORE, in consideration of the mutual covenants and agreements
set forth herein and for one dollar and other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, the parties hereto
hereby amend the Credit Agreement as follows:

         a. Capitalized Terms. All capitalized terms not defined herein shall
have the meanings assigned such terms in the Credit Agreement.

         b. Waiver. Lender hereby waives the default by Borrower resulting from
Borrower's failure to pay the principal due on March 1, 2000 pursuant to the
Term Note.

         c. Definitions.

                  2.1 The following definitions are hereby amended in their
         entirety to read as follows:

                  "Maturity Date" means (i) December 31, 2000 with respect to
                  the Revolving Note.

                  "Revolving Commitment Amount" means $2,000,000.

<PAGE>

                  "Revolving Note" means that certain Revolving Credit
                  Promissory Note dated as of the date hereof in the principal
                  amount of $2,000,000 made payable by Borrower to the order of
                  Lender as the same may be amended, executed, renewed or
                  replaced from time to time. On the date of this Agreement, the
                  amount outstanding under the Revolving Note is $1,910,000,
                  which amount includes amounts previously owed to Lender by
                  Borrower under the old Term Note and the old Revolving Note.
                  The old Revolving Note is hereby deemed null and void.

                  "Term Note" and all references thereto throughout the Credit
                  Agreement shall be deleted in its entirely with the
                  understanding that the "Term Note" has been replaced with a
                  new Revolving Note; the amounts owed by Borrower to Lender
                  under the Term Note as of the date of this Agreement are
                  hereby transferred to and evidenced by the new Revolving Note.
                  The Term Note is hereby deemed null and void.

                  "Term Loan Commitment" (deleted).

         d. Term Note. The parties agree and understand that the Term Note is
being made null and void and is hereby replaced by the new Revolving Note. All
references to the Term Note and Term Loan Commitment in the Credit Agreement
shall be deemed deleted including but not limited to the deletion of Sections
3.1, 3.2, 3.3 and 5.1 of the Credit Agreement.

         e. Conditions Precedent. Prior to the effectiveness of this Third
Amendment, the Borrower shall provide to the Lender as conditions precedent, the
following:

            a.  Original counterpart of this Third Amendment duly executed by
                the Borrower;

            b.  Original executed Revolving Note;

            c.  Payment of all costs and expenses incurred by the Lender in
                connection with this Third Amendment, including without
                limitation, all legal fees and out-of-pocket expenses of
                Lender's counsel; and

            d.  Current resolutions of Borrower's board of directors authorizing
                the Third Amendment.

         f. References. Any references in any document to the Credit Agreement
including, but not limited to, the Notes and other Loan Documents, are hereby
amended to refer to the Agreement as amended by this Third Amendment.

         g. Commitment Fee. Borrower shall pay to Lender a commitment fee (the
"Commitment Fee") in an amount equal to six percent (6%) of the face amount of
the Revolving Note ($120,000) upon the first to occur of the following: (i) the
Maturity Date, (ii) a liquidation of

                                        2
<PAGE>

the Borrower; (iii) the sale of substantially all of the assets of Borrower or
any subsidiary, (iv) the reorganization, consolidation or merger of the Borrower
or any subsidiary with or into any other entity, or (v) a "Change in Control" of
Borrower or any subsidiary.

         A "Change of Control" shall be deemed to have occurred upon the
occurrence of any one (or more) of the following events:

                  (a) Any person, including a group as defined in Section
         13(d)(3) of the Exchange Act, becomes the beneficial owner of shares of
         capital stock of Borrower or any subsidiary with respect to which 50%
         or more of the total number of votes for the election of the Board of
         Directors of Borrower ("Board") may be cast;

                  (b) As a result of or in connection with, any cash tender
         offer, exchange offer, merger or other business combination, sale of
         assets or contested election or combination of the above, persons who
         were directors of the Borrower immediately prior to such event shall
         cease to constitute a majority of the Board,

                  (c) A tender offer or exchange offer is made for shares of the
         Borrower's stock, and fifty percent (50%) of the Borrower's outstanding
         shares of capital stock are acquired thereunder.

         h. Representations and Warranties. Borrower reaffirms and confirms all
of the representations and warranties contained in Article IV of the Agreement
as of the date of this Third Amendment.

         i. Covenants. Borrower reaffirms as of the date of this Third Amendment
and covenants with the Lender all of the Covenants contained in Articles V and
VI of the Agreement. In addition, Borrower agrees that the following covenants
shall be added in Article VI of the Agreement:

                  "6.5     Salaries. Borrower shall not increase the
                           compensation paid to its officers or increase the
                           amounts to be paid to any entity owned or controlled
                           by any officer or director, including but not limited
                           to Lender or Capital Partners, Ltd.

                  6.6      Capital Expenditures. Borrower will not expend or
                           contract to expend more than $5,000 on any individual
                           capital expenditures or more than $50,000 in the
                           aggregate in any fiscal year.

                  6.7      Wisconsin Department of Justice Settlement. Borrower
                           shall not settle its pending civil proceeding with
                           the Wisconsin Department of Justice concerning its
                           Union Grove, Wisconsin facility."

                                        3
<PAGE>

         b. Reaffirmation of Security Agreement. Borrower hereby acknowledges
and agrees that all of the obligations of Borrower under the Agreement, as
amended by this Third Amendment, is secured by that certain Security Agreement
executed by Borrower in favor of Lender dated as of May 8, 1998.

         c. Acknowledgments. The Borrower acknowledges that it has been advised
by the counsel of its choice in the negotiation, execution and delivery of this
Third Amendment, that the Lender has no fiduciary relationship to or joint
venture with the Borrower, the relationship being solely that of borrower and
lender, and that the Lender does not undertake any responsibility to the
Borrower to review or inform the Borrower of any matter in connection with any
phase of the business or operations of the Borrower which shall rely entirely on
its own judgment.

         d. Costs and Expenses. Borrower agrees to pay all costs and expenses
incurred by Lender in connection with the preparation of this Third Amendment,
including, but not limited to, title insurance premiums and expenses, recording
fees, and the fees and expenses of legal counsel.

         e. Entire Agreement. This Third Amendment and the Agreement embody the
entire agreement between the parties and supersede all prior agreements and
understandings between the parties hereto.

         f. Full Force and Effect. Except as amended hereby, the provisions of
the Agreement shall remain unmodified and in full force and effect.

         g. Counterparts. This Third Amendment may be executed in any number of
counterparts, each of which shall be an original and all of which together shall
constitute one and the same instrument.

                                        4
<PAGE>

         IN WITNESS WHEREOF, the parties have caused this Third Amendment to be
executed as of the day and year first above written.

         BORROWER:                     MERCURY WASTE SOLUTIONS, INC.,
                                       A MINNESOTA CORPORATION

                                       BY s/ Todd Anderson
                                          --------------------------------------

                                          ITS Chief Financial Officer
                                             -----------------------------------

         LENDER:                       BANKERS AMERICAN CAPITAL
                                       CORPORATION, A MINNESOTA CORPORATION

                                       BY s/ Brad Buscher
                                          --------------------------------------

                                          ITS President
                                             -----------------------------------

                              CONSENT OF GUARANTOR

         The undersigned, as guarantor of all obligations of Mercury Waste
Solutions, Inc. (the "Borrower") to Bankers American Capital Corporation
("Lender") pursuant to that certain Guaranty dated May 8, 1998 executed by the
undersigned in favor of Lender, as the same may be amended from time to time
(the "Guaranty"), hereby consents to the terms of the above Third Amendment, and
agrees that the undersigned remains obligated to the Lender for the payment of
the indebtedness of the Borrower incurred pursuant to said agreement, as
amended, including without limitation, the indebtedness evidenced by the
Revolving Note, as defined therein.

                                       MWS NEW YORK, INC.,
                                       A MINNESOTA CORPORATION

                                       BY s/ Todd Anderson
                                          --------------------------------------

                                          ITS Chief Financial Officer
                                             -----------------------------------

                                        5

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