----------------- HES POSTING ----------------- I am reading my way through final exams and thought I would pass along an interesting definition of "moral hazard" I received from a student : "moral hazard involves problems that arise when morality gets in the way of doing what is right." Mark Twain, call your office! Kevin Quinn ------------ FOOTER TO HES POSTING ------------ For information, send the message "info HES" to [log in to unmask]