12/5/2006  11:48:41 PM                                                         Page 1
          Volatility Report - 12/31/2005 to 11/30/2006, Monthly Data 
 
R-Squared, Beta Index  : Russell 1000®-Annual ROR 15.41%                        
Sharpe Ratio Comparison: 3-Month Treasury Bill                                  
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                              Pf ROR                         Portfolio Vs Index Vol 
                            Avg=14.55%  Portfolio   Sharpe     R          Perf Values
Portfolio                    SD=2.36%   Volatility   Ratio  Squared Beta  Max  Actual
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Fidelity IRA                  13.60%       1.23       .67     .84    .94   11    11 
Diversified                   11.62%       1.35       .58     .90    .81   11    11 
Total                         14.87%        .65      1.04     .59    .33   11    11 
401k                          18.10%        .68      1.02     .05    .12   11    11