Rutland Daily Herald from Rutland, Vermont • 36

Sunday, May 16, 2004 Stocks D8 The Sunday Rutland Herald The Sunday Times Argus Mutual Funds NAV Chg 12mo NAV Chg 12mo Name NAV Chg 12mo Name Name NAV Chg 12mo Name NAV Chg 12mo Name NAV Chg 12mo Name 13.3 22.6 24.7 Welltn Wndsrn Wndsll I Vanguard Idx Fds: 28.34 15.91 27.02 .13 15.7 48 22.7 UBS Funds Cl GlobAllo 1169 UMB Scout Funds: World 20.11 USAA Group: AgsvGth 25.28 BalStran 14 39 ComstStrn 25.04 GNMA 9.70 .04 12.10 17 47 1491 FdValBt 13.05 23.7 LgCapGBt 20.36 06 22.7 MgMuBt 15.53 09 3.7 MCapCBp 18.70 16 9 SBCapInc 15.04 18.5 Smith Barney AdjlncoC 961 .02 3 AggGrC 78.80 .28 21.2 ApprecC 13.38 08 13.8 FdValC 13.04 23.6 LgCapCp 20.36 22.7 Smith Barney 1: Grolncl 14.03 17.9 LgCapCol 16.72 02 13.0 SoundShn 33.42 248 St FarmAssoc: Balann 47.82 11.7 Gwthn 44.49 17 4 Munln 8.45 StateSbResrchA: Aurora A 37.59 36.9 TSMInvr 18.16 YldPIsInv 9.69 Scudder Funds DrmHiRA 37.43 46 FlgVIBdA 22.37 GrthA 8.67 HilncA 5.22 MgdMuni 8.91 08 RREEFp 16.02 .10 TechA 10.28 -18 TotRetA 8.57 US GovtA 8 48 .05 Scudder Funds DrmHIRB 37.27 Scudder Funds DrmHiRC 37.33 Scudder Funds GlobalS 2208 47 GroIncS 1984 HiYIdTx 12.41 InbTxAMT 11,11 -06 IntematlS 36.95 LgCoGro 22.18 LgCoVal 23.33 03 MgdMuni 8.92 -08 ShtTmBdSn 10.37 .01 Scudder Investment: Eq500lnv 123.27 PresPlIncm 10.00 20.3 1.9 22.0 21.4 12.6 10.9 17.7 18.7 9.3 1 20.9 21.1 22.2 16.3 2.2 209 12.9 218 .9 18.4 4.2 146 36.8 34.3 18.6 29.1 10.3 33.8 33.0 21.1 25.6 6.9 20 4 26.2 33.9 22.4 12.7 17.4 18.4 18.2 .3 26.6 CotEqlnv 16.53 GwthOpp 24.74 28 MunIBond 13 73 12 SSgA Funds: EmgMkt 11.67 SP500 18.13 2448 07 STI Classic: CapAppTn 1195 InGBTnp 10.23 LtdMtgTn 10.16 .04 SmCapGrT 19.36 SmCpValTn 17.55 VallncT np 11.21 Salomon Brothers: CapC 25 90 29 HiYIdA 7.87 10 InvesValO 18.70 -11 Schwab Funds: IntllnvIS 13.39 -41 InbMMstrl 12.42 MTAIIEq 9.76 -12 MT Bal 13.86 MT Growth n14 68 1 0OOInv 31.28 16.97 -03 ST Bond 10.07 .01 SmCpInvn 18.33 -17 TotBond 9.82 .01 Selected Funds: AmShsSp 33.11 -34 Seligman Group ComunAt 22 85 ComunBt 19.94 -44 CommunDt 19.93 GrowlhA 3.63 Sentinel Group: ComStkAp 29.12 SmCoAp 6.95 Sequoia 148.49 -311 SkylineEq 2747 Smith Barney Adjlnc 9.65 .01 AgGrA 86.47 .32 ApprAp 13.66 DivsStlnc 6.55 DivlncoAp 1178 FdValAp 13.75 HilncA 6.66 LgCapGAp 21.40 MgMuAp 15.52 1 1 1 7 -03 SBCapIncA 15.14 Smith Barney AgGrB 78.37 .28 ApprBI 13.37 -08 CpPresBIl 11.49 CapPresBp 11.15 23.2 260 25.0 25.1 18.6 21.5 27.1 15.0 29.4 .7 22.2 14.8 2.1 12.1 24.7 9.8 23.6 4.3 17.9 19.1 21.2 13.8 Grwthn IncStkn Incomen 12.07 Inti 19.46 16.49 TxEITn 12.93 TxELTn 13.51 TxEShn 1069 Van Kamp Funds A AggGrAp 12.39 CmstAp 16.03 EmGroA 34.96 EntAp 11.37 EqtylncAp 7.82 GlblFran 20.32 GvScAp 10.08 GrlnAp 17.83 HYMuAp 10.32 InTFAp 18.28 MunlnAp 14.21 PaceFndA 8.40 StrMunlnc 1 2.67 USGvAp 13.75 Van Kamp Funds AggGrBp 11.52 CmstB 16.03 EmGrBt 30.17 EnterpBt 10 48 7.70 17.68 10.32 EqlncBt GrlncBt HYMuBt 15.0 -43 26.5 20.3 06 3.9 -13 10.5 2.0 8 .04 16.2 .27 359 .27 35.9 16.7 19.6 21.4 .5 .02 -08 14.6 18.4 11.7 288 1.7 InvTrA 8.93 State Str Resrch AuroraBI 35.00 State Str Resrch Aurora 35.00 State Str Resrch InvTrS 9.06 Strategic Partners: EquityA 13.81 Strong Funds: CmStk 21.37 CorpBdlnvn 10.16 GovSecn 10.61 Groindnvn 19.24 Growthlnvn 16.95 LgCapGrlh 20 36 Opptntylnvn 40.14 ST Bondlnv 8.73 STMunlnv 9.71 UltStlnv 9.26 UlStMuInc 4.83 Strong Fds Advisor SCapValAp 26.05 Vantagepoint Fds: AggrOpp 9.24 33.3 AssetAlloc 6.65 15.7 CoreBondldxllO.OO .03 Eqtylnc 7.87 24.6 Grcwth 7 79 -03 15.2 9.26 18.8 IncomePresvl 00.00 3.2 Inti 8.50 24.1 MPLongTermGr19.21 17.5 MPTradGrwth20.32 13.9 Victory: DvsStkA 14.59 WMGrpotFdsA: GrlncoAp 23.18 -05 19.1 WCstEqty 32.74 27.3 WMStr Asset Mgmt: BalancedA 1 2.09 13.0 BalancedBt 12.06 12.1 ConGrwB 12.58 ConGrwAp 12.90 .07 16.6 .07 17.5 24.8 21.7 11.3 11.0 14.2 19.4 3.1 02 21.7 17 11.4 1.8 1.5 .9 Van Kamp Funds CommStkC 16.04 .21 32.2 EmGrCt 30.95 Name NAV Chg Selectl 30.00 18 Old Westbury Fds CapOpppn 14 36 Inti 8.89 -38 Olsteln Funds: FnclAlertC 1647 -09 One Group A Eqlndxp 25 07 -05 Inv Bal 1 1 24 06 1186 -09 MidGrthAp 20.76 20 One Group InvBalB 1 1 21 07 1180 -09 InvGrtfiB I 12.19 10 One UltSTBd 9 80 Oppenheimer A AMTFrMuA 934 09 BalanceAp 13.28 CapAppAp 37 81 CapIncAp 11.81 -09 ChlncAp 9.16 -18 DevMktA 19 04 99 DiseFd 39 69 Equity A 10 64 05 GlobalA 50 37 -1 31 GlblOppA 25 98 87 GrowthAp 26.39 HighVIdA 9.21 19 IntIBdA 5.22 15 IntGrowp 15 56 60 LTGovAp 10.16 .01 MnStfdA 32.43 09 MalnStrOpA pi 2.53 .06 MnStSCpAp 17 98 -19 MldCapA 14.20 10 RealAstA 9 33 .06 SmCapValA 2693 StrlncA 4.06 -06 USGvtp 9 63 .02 Oppenheimer CapAppBp 35.14 22 ChlncB 915 GlobIBt 47 26 -1 23 GlbOppB 2518 -85 LTGovBt 10.15 01 MnStFdB 31 41 09 MnStSCB 17 32 -19 StrlncB 4 08 05 Oppenheimer CapApprC 34 77 21 GlobalC 47.98 -1 25 LTGovCt 1014 01 MnStFdC 31 44 09 StrlncC 4.05 06 Oppenheim Quest QBalA 16 38 .02 QBalanC 16.25 QBalanB 16 25 02 QOpptyA 30.97 05 QValueAp 18 98 08 Oppenheimer Roch LtdNYA 3 21 03 LtdNYBp 3.21 LtdNYCt 3.20 -03 RcNtlMuA 10 96 -18 Oppenheimer CapApprecY 38 61 MnStFdY 32 55 09 PBHG Funds CliprFocus 15 52 27 Growth 17 22 32 IRACpPres 1 0 00 MldCap 16 91 21 PIMCO Funds A CommodRRp14 80 07 HiYIdA 9 21 LowDurA 1017 01 SmCpV A 24.93 12 RenaisA 22 82 19 Value A 16.01 -18 RealRetAp 1117 .09 ShortTrmAp 10.03 TotRIA 10 55 .01 PIMCO Funds HiYIdBt 9.21 -15 LowDurBnp 10.17 .01 RenaisB 21.59 19 ValueBt 15.59 -18 RealRtB 1117 09 TotRtBt 10 55 01 Direct 802-747-6128 Toll Pree inVerniont 1-800-498-4296 (7:30 5:00) Pax Pine 802-775-2423 Norquist Digest Program enforcement, and many area volunteers coordinated, have turned up little information regarding Maitlands disappearance. Vermont State Police detectives, in collaboration with federal, state, and local law enforcement agencies, have continued to investigate leads that might help locate Maidand. (Continued from Page D1) Lantern Inn in Montgomery. The 1988 Oldsmobile sedan driven by Brianna Maitland was found on March 20 at an abandoned farm about a mile outside of Montgomery. Multiple searches of the area, conducted by law Castleton micro say the pumps $500,000 into the economy.

The Presidents plan to eliminate these SBA assistance programs is both short-sighted and irresponsible, said Sen. James Jeffords, I-Vermont, echoing the sentiments of both Sen. Patrick Leahy, D-Vermont, and Rep. Bernard Sanders, I-Vermont. These programs help low- and moderate-income Vermonters acquire needed job skills to achieve self-sufficiency, Jeffords said.

Faced with an ever-mounting budget deficit and a costly war, the president is cutting programs for people who need help the most The president needs to reconsider his pri- orities. Jeffords, Leahy and Sanders hope Erotect the micro-loan program, eahy, a member of the Senate Appropriations Committee, sits on the subcommittee that reviews the SBA, but his aides predict tough sledding. More will be known in August, when the budget is complete, they said. Nationwide, micro-loan lenders like the Economic Development Council of Northern Vermont have lent more than $213 million to about 19,000 entrepreneurs since the program began in 1992. In 2003 alone, nearly 2,500 loans were processed at an average size of $12,300.

Nearly half the loans, which totaled $30 million, were given to start-up businesses. The micro-loan program is believed to have created over 60,000 jobs nationwide. Exact Vermont figures are unavailable, but local micro lenders as well as organizations that provide technical assistance say about $500,000 annually is pumped into the local economy. Mitchell called the program vital to businesses like his, and said he hopes Bush will reconsider his deri sion. It's a huge mistake to eliminate the program, he said.

It would be bad for the economy and bad for businesses. If people like us cant get this money, we cant operate our businesses. We would be stuck washing dishes or something. It would be limiting peoples (Continued from Page D1) inal business plan 1 just laugh, Mitchell said. I could not see myself where I am today without help.

Would I still be in business? I dont know. But the help I got definitely played a major roll in the success of my business. Vermont Pepper Works now produces four products and also provides packaging assistance to other specialty food entrepreneurs. Its products can be purchased in more than 200 specialty or health food stores throughout the Northeast as well as on the Internet. Mitchells story is not unique, but it may be endangered.

If the SBA micro loan and training program is eliminated, many would-be entrepreneurs will be left with no place to turn except high-interest credit cards, said Connie Stanley-Little, executive director of the Economic Development Council of Northern Vermont, which issues $300,000 annually in micro loans. Banks loans come in many varieties with interest rates between 3.5 percent and 7 percent, but federal regulations prevent them from giving money to high-risk business ventures. SBA micro-loan pro grams can assume greater risk, but offer loans at a higher interest rate, usually around 1 1 percent. Borrowers have six years to pay the money back. Businesses do default, but the numbers are not high, Stanley Little said.

The SBA gets its money back, Stanley little said. We have well over $1 million in loans out there from this program. The average is 1 1,000, and we have less than a 2 percent default rate. Ihe SBA nationwide this year will issue $20 million in loans to high risk businesses 10 million less than in 2003 and make another $20 million available for training. Bushs 2005 budget elim mates all funding.

Vermont businesses receiving SBA micro loans include a soap and body oil manufacturer, mini mart, saw mill, photography ompany, yarn shop, an appliance store and many others. Local lenders program about annually local conservative writer and thinker on foreign policy matters. He is leaving the school at the end of this month to accept a professorship at Pepperdine University in Malibu, Calif. He said that better pay and proximity to Ronald Reagans presidential library are the major reasons for the move. Kaufrnan also said being a conservative at UVM is an uphill struggle.

I did very well with students and found allies, but among the faculty and administration, at least one-tnird of them thought I was Dr. Evil, said Kaufrnan, who has a doctorate from Columbia University and a law degree from Georgetown University. I am often depicted as being an extreme conservative, but I am really a mainstream conservative like Ronald Reagan and George W. Bush. Kaufman, who is writing a biography of Reagan, started out as a Democrat.

He was an admirer and biographer of the late Sen. Henryjackson, who in 1972 and 1976 sought the Democratic nomination for president and advocated an assertive foreign policy and a moderatelib-eral domestic agenda. Many of Jacksons supporters and former staff members became Republicans and now are often called neo-conservatives. Deputy Defense Secretary Paul Wolfowitz, a former Jackson protege, was one of the leading architects of the war against Iraq. Kaufrnan said the conservative position on the Middle East, especially the outspoken support for Israels well-being, is an especially unpopular position on many campuses, including UVM) Defending Israel on campus these days makes you a right-wing nut, even if you remind people that it is the only democracy in the region, Kaufman said.

His views will be in the majority at Pepperdine, a conservative school affiliated with the Chur ches of Christ. Aniving on that campus around the same time as Kaufrnan will be Kenneth Starr, a former judge who became a hero to conservatives when he served as independent counsel who investigated President Clinton and eventually recommended that he be impeached. Starr will become dean of the schools law school. (Continued from Page D1) Vermonts government has so much fat built into it over the years, he said in a phone interview from Las Vegas, where he is speaking at a conference of conservative activists. Its like when teachers have a curve that takes into account the most improved, its easy for the slackers to do well.

Vermont is like the slacker student. Five members of the Vermont House are among 1,260 elected officials from throughout the country who have signed a pledge, circulated by Norquists group, Americans for Tax Reform, promising to oppose any tax increase. Though Gov. James Douglas has not signed the pledge, Norquist praised him for not having raised taxes during his tenure in office. Norquist, whose speech is scheduled 7:30 p.m.

Monday in Lafayette Hall on the UVM campus in Burlington, is the modern-day version of the old-style precinct captain. Every Wednesday morning, he presides over a meeting of about 100 conservative activists who plot strategy and meet with officials of the Bush administration and the GOP-controlled Congress. When those in power appear to be straying from conservative positions, the 46-year-old Massachusetts native and his allies are quick to ask their rank-and-file members to write, call or e-mail to express their views. Though cutting taxes is Norquists major focus, his group also works on regulatory issues, education policy and other domestic issues. Even though the GOP controls the White House, both houses of Congress and a majority of governorships, he wants more.

Though I am a conservative, my goals are radical. 1 want to radically restructure government and curb spending, he said. If (President) Bush gets re-elected with a united Republican government, we can keep our reforms on track and fundamentally change the way things are done. Though Norquist and Robert Kaufman have never met, the two share a passion for conser vative ideas. Since 1992, Kaufrnan has been a political science professor at UVM and a prominent Gates, Melanie A.

Lebel; Wallingford: Shelbi Alaina Doperak, Isobel Gabel Nimtz; Waterbury: Christian Matthew Magnani, Brett Alonzo Perry; White River Junction: Cathy A. Gifford; Williamstown: Holly Michelle Lewis; Williamsville: Heather Lynn Traudt; Windsor: Kelsey May Dangelo. Bachelor of Science Bellows Falls: Ryan Paul Barry; Benson: Hillarie Mae White; Bomoseen: Jennifer L. Martell; Bristol: Serena Leigh Baker; Brownsville: Jeffrey William Weld; Burlington: Andrew S. Houston; Castleton: Steven M.

Coote, Michael Scott Jenkins, Jesse Daniel D. Staudter; Center Rutland: Shawn F. Corey; Chester: Christopher Rex Doane; Chittenden: Brian J. Bienieki; Colchester: Chelsea Rose Companion, Adam Charles Dion; East Arlington: Kris Allen Hoyt; Essex Junction: Jennie-Beth Schoonejongen; Fair Haven. Christopher Ron Adams, Gayana A.

Badalyan, Ryan Donald Brower, Kristen Snow Collette, Joshua Moore; Fairlee: Liam Fracht-Monroe; Huntington: Christopher Harold Wendel; Hydeville: Sean L. Manovill; Killington: Kristin Jessica Quennevllle; Mendon: Jason P. Adams; Newport: Maggie McCarthy; Orwell: Matthew M. Kent, Donald J. Lane; Poultney: Heather Fowler, Michael S.

Gadway, Carolyn D. Hansen, Keith G. Williams, Proctor: Justin D. Gallus; Rutland: Gregory David Anderson, Edward A. Bilodeau, Meghan Eileen Carey, Katherine Anne Donnelly, Thomas J.

Hooker, Matthew Bush Howland, Bridget M. Ladabouche, Courtney E. Maguire, Billie M. Pisaniello, Daniel D. Pomykala, Joshua J.

Puchalski, Jessica M. Sadowski; South Burlington: Joseph P. O'Reilly; South Strafford: Dale Fredric Schaafsma; South Woodstock: Ariana Jean Whitney; St. Johnsbury: Becky Lynn Johnson; Vergennes; Wayne S. Jones II; West Rutland: Lisa L.

Dydo; Williston: Renee S. Bishop, Adam John Chandler; Woodstock: Monica M. Tuckerman. Bachelor of Social Work Bomoseen: Nicole Lee West Bridport; SamanthaA. Shimel; Castleton: Shannon Grace Lowcock, Kimberly S.

Roll; Colchester: Emily Kathleen Pickett; Cornwall: Mona Lynn Gambardella; Orange: Krisdn Arlene Compo; Panton: Sarah M. Spear; Plainfield: Julia Mae Ljungvall: Rutland: Kristy Malone. Master of Arts in Education Bomoseen: Elizabeth Margaret Goodell; Bondville: Timothy Ryan; Dorset: Cheryl C. Thompson; Fair Haven: Ryanne K. Spaulding, Kristin Allen Hubert; Ludlow: Beth Merrill; Lunenburg: Douglas Richardson; North Clarendon: Barbara Alice Stewart; Perklnsville: Timothy J.

Francke; Pittsfield: Kelly A. Richards; Plymouth: Tiffany Cassano; Poultney: Michael Joseph Carrano, Christopher John Fowler, April O.Hayden, Linda Wilk McWaters; Proctor: Aaron Douglas Boynton, Katherine A. Corbo; Putney: Elaine Theresa Beam; Rutland: James Sheridan May III, Ryan Parkman, Kathleen Perzanowski, Pamela J. Reed, Gregory John Schillinger, Sara Jean Vasseur; Saint Albans: Wayne S. Tarr; Shoreham.

Steven Gerald Flint; Shrewsbury: Helen Richards-Peelle; South Woodstock: Peter J. Mantello; Townshend: Rebecca Jane Rllion; Wallingford: Debra Fishwick. Master of Arts in Forensic Psychology Bomoseen: Melissa Anne Burbank; East Dorset Jennifer Mae Bushee; Proctor: Erica L. O'Toole; Rutland: Emily R. Corley, Cari Crick, Michelle Marie Macumber, Heidi Noel O'Docharty, Sarah Louisa VanDenburgh, Lisa Marie White; Waterbury: Carrie Anne Tewksbury Certificate of Advanced Graduate Studies Chittenden James G.

Slenker III; West Rutland: Michael D. Caulin. (Continued from Page 01) Associate in Arts Addison: Jessica Mane Torrey; Castleton: Elizabeth Mary Garside: Jericho: Danielle Marie LaVanway; Montpelier: Jonathan Spargo Houle; Rutland: Jennifer Elizabeth Trombley. Associate in Science Arlington: Nichole Woodard; Bristol; Steven Brown; Chittenden: Veronica L. Flanders; Clarendon: Theareon R.

Pratt; Danville: Margo Chernauskas Dively; East Burke: Heather Brubaker Mesics; East Dorset: Matthew Allen Kent; Fair Haven: Melissa Ann Hassler, Katy Elizabeth Moore, Teresa H. Sheldrick; Fairfax: Kelley A. Whalen; Gaysville: Trudi Elaine Silver; Lyndonville: Jennifer Lee Quirron, Yvette St. Hilaire; Newark: Holly Davis; North Clarendon: Andrea W. Pratt; Passumpsic: Darcie Sherman; Pittsfield: Erin McConnell; Poultney.

Leslie Beer Pauquette, Amy Reed Terrien; Proctor: Janice Lynne Austin, Mary M. Nicholas, Uljana P. Paluch. William Francis Smith, II, Rutland: Bill Bezanson, Camille Margaux DeRosia, Kasey Anne Gallo, Maria Wheeler Hardegree, Tara E. Lewis, Hannah Cothron Marvin, Nicole Lynn Phillips; Sheffield: Florence A.

Barton; St. Johnsbury; Denise R. Stevens; Stowe: Anna Sloan Bruce; West Rutland: Mary J. Brothers, Kara Anne Bishop; West Burke: Charles William Murray; West Pawlet: Darren Edward Godette; Wolcott: Patricia June McCuen. Bachelor of Arts Addison; Jessica R.

Veldman; Ascutney: Kevin F. Pellerin, Bennington: Kevin Richard Godolphin Osborne, Crystal Lynn Setzer; Bomoseen: Corinna Dobson; Marie Howard; Brandon: Melissa S. Disorda, Gabriel Paul Kasper; Bristol: Jesse T. Baker, Cabot: Shawna L. Ashford; Castleton: Courtney A.

Buda, Jamie Ellen DeLude, Bobbie L. Godin, Brian Ross Isham, Jessica Joanna Lord, Julia Alexis Rampone, Sonya Marie Reynolds, Marshall Patrick Traverse, Beth Jannette Williams; Charlotte: Michael J. McClary; Chittenden: Jami L. James; Colchester: Meghan Marie Leblanc, Kathryn Eileen Lloyd; Dorset: Joshua P. Teresco; East Clarendon: Jennifer A.

Durham; East Dorset: Jennifer A. Marrone; East Middlebury; Rebecca Bodette; East Peacham: Joshua Ainsworth; East Wallingford: Peter Roach Enosburg Falls: Joshua Michael Souza; Fair Haven: Brendan James Bond, Benjamin Nathan Hunt, Cara Joanne Stevens; Fairtee: Lua A Ameden; Goshen: Walter Randolph Coble; Highgate Center: Aubree M. Bovat; Jericho: Danielle Marie LaVanway; Killington; Kathleen B. Sias; Lincoln: Laurel Lynn Lattrell; Ludlow: Lucas Roy Ladden, Connne G. Matarese; Mendon Mark A.

Bradsell, Corey R. Charles; Middlebury Elizabeth M. Keeler, Karty Rechel LaFayette, Melissa Ann Yantz; Moretown Scott J. Kirpan; North Springfield: Catherine L. Norton; Pittsfield: Carrie Lee Coughenour; Poultney: Angela Elizabeth Brayton, Stephen James Mulholland; Proctor: Diane Weiss; Rutland Angela Faith Baird, Julie Anne Beckmann, Amanda Sue Bigwood, Daniel Carragher, Kayce M.

Champine, Sarah D. Comeau, Brad Kevin Dansereau, Vincent J. Donnelly, III, Nicholas C. Gaudio, Tiffany Leigh Keune, Kellie A. Nixon, Nicole Lynn Phillips, Colleen Marie Sheridan.

Erin Elizabeth Sheridan, Steven A. White; Shaftsbury: Sarah Elizabeth Perry; Shrewsbury: Tanya Kay Keeney; South Royalton: Geoffrey Gates Tuller; Springfield: Katherine Rose Martin, Brynn Morris; St Johnsbury: Scott Olsen; West Rutland: Coral J..