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than 140 years. To preview this dynamic on-line product, visit our <br />RatingsDirect Web site at www.standardandpoors.com/ratingsdirect. <br /> <br />Published by Standard & Poods, a Divisio~ of The McGraw-Hill Compar~ies. inc. Executive of~ces: 1221 <br />Avenue of the Americas, New York, NY 10020, Editoria~ offices: 55 Water Street, New York, NY 10041. <br />Subscriber services: (1) 212438-7280. Copyright 2003 by The McGraw-Hill Companies, Inc. <br />Reproduction in whole or in part prohibilod except by permission. All rights reserved, informati~*3 has <br />been ~btained by Standard & Poo~s from sources believed to be reliable. However, because of the <br />possibility of human or mechanical error by our sources, Standard & Poo~*s or others, Standard & <br />Poor's does not guarantee the accuracy, adequacy, or c~m pleteness of any information and is not <br />respensible for any er/ors or omissions or the result oblained from the use of such i nformatio~. Ratings <br />are statements of opinion, not statem~ta of fact or recommendations to buy, hold, er sell any <br /> <br /> <br />