Johnson & Higgins

Page 2
November 11, 1991
Mr. Patrick J. Noone

After you have had a chance to review the enclosed policies, please call with any questions or concerns you may have.

Very truly yours,

Stephen B. Luongo
Assistant Vice President

SBL23/di

cc: W. Carroll - J&H
     R. Michel - J&H
     C. Tiberio - IBM

Enclosure