I don't know where you stand on this but I'm kind of looking forward to 2003 being a relatively normal year in the stock market, or is that an understatement?  When I talk about normal, what I'm really eluding to is a stock market index advance of about 10 percent, including dividends, of course. That would be nice.

Look, we've been in the doldrums for the past three years--hardly a normal period--and from 1995 up to and including 1999, the Standard & Poor's 500 index rose more than 20 percent each year. That wasn't normal either, although we liked it immensely. Heck, in 1994, the market advanced only one percent--again, not normal.

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