2003 Return: 39%

Comparable Index: Russell 2000

2003 Return for Russell 2000: 46%

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Sector	Percentage	Securities
Small-Cap	35.00%	IWM
Mid-Cap	30.00%	IJH
Large-Cap	10.00%	IVV
International (Developed Nations) Stocks	15.00%	IEV (2.50%) / IOO (7.50%) / ITF (5.00%)
International (Emerging Nations) Stocks	10.00%	EEM (7.50%) / ILF (2.50%)