Greetings from the land of OZ!! Thanks to Bill Mitchell, I'm sitting on top of Newcastle, Australia, and I love it here. The weather is great, the land (and of course the Ocean) is beautiful, and the people are most friendly. Now you have two pen-lers (actually three, Martin Watts is the silent type) so all of you should try to visit this part of the world sometime in future (though my future is always up in air). For whoever interested, my snail mail and e-mail addresses are: Dept. of Economics, The University of Newcastle, Callaghan, NSW 2308, Australia e-mail: [EMAIL PROTECTED] Cheers, ajit sinha