Change Your Luck, Change Your Life
Anyone Can Do It
Richard Wiseman, PhD
University of Hertfordshire
Special from Bottom Line/Personal
Some people seem to have all the luck. They walk down the
street and find money on the ground. They sit next to a guy on
a plane who owns a dynamic company -- and needs someone with
just their qualifications.
Others aren't so fortunate. When they buy a blue-chip stock,
the company's earnings take a nosedive. They get a new job --
at a firm that folds a few days later.
Born winners? Born losers? Don't you believe it. In fact, a
surprising amount of what we call "luck" is actually the
result of our own actions. Luck is really a series of skills
that anyone can develop.
In interviews with hundreds of people, I have found that the
lucky ones...
* Create chance opportunities.
* Follow their hunches.
* Expect good fortune.
* Turn bad luck into good.
By and large, they aren't aware that they're doing anything
differently than other people. Somehow, they've gotten into
the right habits and developed the right attitudes. What if
you were to follow their example?
In a series of experiments I conducted over two years, more
than 80 people went to "luck school," where they were taught
the four principles of luck. At enrollment, half of them
described themselves as unlucky... 10% as lucky... and 40% as
neither. One month later, 80% said their luck had improved.
The unlucky had become lucky, and the lucky grew luckier.
CREATE CHANCE OPPORTUNITIES
Lucky people's lives are full of fortunate occurrences. They
find valuable paintings at yard sales or meet the loves of
their lives at parties.
It seems like fate, but, in fact, lucky people use specific
techniques to maximize the role that chance plays. It is as
important to be in the right frame of mind as in the right
place at the right time. Things you can do...
Spend more time with friends, and chat with strangers. Smile
at people you don't know, and show by your body language that
you're approachable. Keep in touch with those you meet. You
never know which encounter will lead to a great idea or
valuable contact.
Example: Samantha, a secretary, dreamed of a career in the
film world. During a downpour, she shared a cab with another
drenched pedestrian, and soon they were involved in an
animated conversation. When Samantha learned that the man was
an executive at a film company, she confided her ambitions. He
gave her name to the personnel director of his company.
Six months later, Samantha had a new job. She still was a
secretary, but for an executive at the studio. Five years
after that, she was a successful film acquisitions executive
in Los Angeles.
Develop a more relaxed attitude toward life. When you're in a
rush or under stress, it blinds you to opportunities. When
you're hurrying down the street, you probably won't notice
that $100 bill.
Be open to new experiences. Experiment with different routes
to work. Go to different restaurants. We observe better in
unfamiliar situations and are more likely to see hidden
advantages.
Example: John, who lives in New York City, decided to walk
downtown instead of taking the bus as he usually did. He
noticed in a junk shop window an unusual antique camera that
was perfect for his collection.
FOLLOW YOUR HUNCHES
The conscious mind isn't good at detecting meaningful patterns
in behavior, speech and body language. The unconscious
compares the present against past experiences and finds
similarities -- generating strong feelings that a decision is
wise or unwise... that someone is or isn't trustworthy.
Lucky people are likely to act on these hunches. They heed
inner alarm bells and go-ahead signals in business, finance
and relationships.
Listen to your inner voice. Clear your mind with meditation,
or simply sit in a quiet place.
Of course, you need to use judgment. Ask yourself whether this
really is a situation in which past experience is guiding you.
For example, subtle gestures or facial expressions can give
you hints into a new acquaintance's character by reminding you
of people you have known in the past. However, a hunch that
8526 is a winning lottery number probably is meaningless.
EXPECT GOOD FORTUNE
Lucky people assume that things will turn out well for them,
in situations that are both within and outside their control.
Good fortune is a self-fulfilling prophecy. If you expect to
do well, you're more likely to start new projects. Low
expectations make you ready to give up before you begin. A
positive attitude gives you drive in the face of setbacks --
you persevere and get the most from any situation. In
addition, it has a strong influence on others. Nothing is more
persuasive than confidence.
Example: Gary was in his 60s when he decided to go to law
school. Friends and relatives tried to dissuade him. They
argued that law school was expensive and he would be unlikely
to get a job when he graduated. Gary went to school anyway and
ended up working at a prestigious Chicago law firm,
specializing in age-discrimination issues.
You can raise your expectations by visualizing good fortune.
When faced with an important opportunity, such as a job
interview, sit quietly, close your eyes and imagine yourself
in the situation. Think about the surroundings... the people
likely to be there... the sights and sounds you'll encounter.
Imagine yourself lucky, fielding the interviewer's questions
with assurance and conviction. Focus on how it will feel to
achieve your goals.
I also recommend keeping a "luck journal," in which you write
down positive events and lucky breaks to remind yourself of
just how fortunate you are. Try to do this every day.
TURN BAD LUCK INTO GOOD
Things happen over which we have no control -- accidents,
illness, unfair treatment at work -- but we can control how we
respond.
Lucky people see the positive side of their bad luck. Rather
than moaning, "Why does it always happen to me?" they consider
how much worse things could have been. Instead of dwelling on
ill fortune, they're convinced that, in the long run, things
will work out for the best.
As a result, lucky people are more resilient. They take
constructive steps to prevent more bad luck in the future.
When misfortune blocks a path to their goals, they explore
other ways of solving problems.
When something bad happens, think of how it could have been
worse. Example: Your car may have been totaled, but you
weren't hurt.
Ask yourself if a misfortune really matters. Will a lost
promotion affect your health or relationships? Compare
yourself to those who truly are less fortunate. Your bad luck
will seem trivial.
Example: In one experiment, participants were told to imagine
that they had slipped on the stairs and sprained an ankle.
Self-described "unlucky" people called this a real misfortune,
while those who considered themselves lucky said, "Whew... I
could have broken my neck!"
If you're superstitious, make it work for you. Broken mirrors,
black cats and the like really don't influence chance events.
While unlucky people dwell on ill omens and become anxious,
lucky ones use these charms to boost their confidence.
-------------------------------------------------------------
Bottom Line/Personal interviewed Richard Wiseman, PhD,
professor of psychology at University of Hertfordshire,
Hatfield, United Kingdom. For the past 10 years, he has been
studying the role luck plays in people's lives. He is author
of The Luck Factor: Changing Your Luck, Changing Your Life:
The Four Essential Principles (Miramax).
*********************** Special Offer ***********************
RALPH'S CANCER WAS THE WORST CASE THE MAYO CLINIC HAD SEEN
IN 20 YEARS...
Eight years ago, Ralph's cancer was so bad... they'd
given him Last Rites. But a little known, non-drug
therapy brought him back from the brink of death. Today,
his doctors call him... The Miracle Man. Learn the
natural secret that saved Ralph's life after drugs,
chemotherapy, and everything else in conventional
medicine's "bag of tricks" couldn't.
http://www.agora-inc.com/reports/HSI/W6HSE463
*************************************************************
Living the Good Life for Lots Less
Shel Horowitz
Special from Bottom Line/Personal
My wife and I travel, eat well and attend shows for a fraction
of what others pay. Our secrets...
FRUGAL TRAVEL
Stay with locals. Servas is a nonprofit organization with
members around the world who share their homes. You don't have
to pay for accommodations or agree to reciprocate, but a
yearly fee of $20 for US Servas, or $75 for Servas
International, is required.
Important: Stays are limited to two nights. For longer stays,
arrange for multiple hosts in a region. www.usservas.org.
Rent an apartment instead of staying in a hotel. Furnished
apartments can cost half as much. Since they have kitchens,
you also save on meals. Type "furnished apartments" or
"vacation rental apartments" and the name of your destination
into an Internet search engine, such as www.google.com. Also
check "furnished apartments for rent" classified ads in the
area's newspapers or through www.onlinenewspapers.com. Many
large rental agencies will rent apartments for periods as
short as one week.
For a free E-newsletter detailing last-minute bargains on
hotels and airfare, try SmarterLiving.com. It lists great
deals, such as $158 round-trip airfare from Chicago to San
Francisco and $80/night at the Aston Islander on the Beach,
Kauai, Hawaii.
Reserve a rental car far in advance for peak-season travel. At
some firms, you can lock in prices that are 25% to 50% below
peak rates by calling at least one month before peak travel
periods.
Visit US museums on free days. Unlike most attractions,
museums typically waive admission fees one day a week. Inquire
about free museum days at the local visitors bureau as soon as
you arrive.
Example: Washington, DC's major museums are almost all free.
In Chicago, at least one museum is free every weekday.
FRUGAL FUN AT HOME
Volunteer as an usher at concerts and plays. Ushers seat the
audience before the show and after intermission, then help
sweep up. You must arrive a little early and stay a bit late,
but you are pretty much free to enjoy yourself during the
performance. There often is an open seat. Promoters' names and
phone numbers generally are listed on advertising posters.
Call as far in advance as possible to ask if volunteer ushers
are needed.
Take advantage of radio giveaways. Put the station's number in
your phone's memory so you can call quickly when a giveaway is
announced. College stations offer the best odds since they
have fewer listeners than commercial stations. I win tickets
to at least five shows a year when I call stations regularly.
Go to the best restaurants in town -- for dessert and coffee.
Even at high-end eateries, this shouldn't cost more than $10
or $15 per person. True, you won't experience everything the
restaurant has to offer, but you'll get to linger and enjoy
the ambiance at very little cost.
Helpful: This is best done on weeknights after 9 pm.
Restaurants don't appreciate guests who arrive during peak
hours and spend little money.
Attend real estate showings at mansions. You'll tour beautiful
homes in ritzy neighborhoods. Keep an eye out for high-end
listings in local papers.
-------------------------------------------------------------
Bottom Line/Personal interviewed Shel Horowitz, Northampton,
Massachusetts-based author of the electronic book The Penny
Pinching Hedonist, available from the author. He also edits
the Frugal Fun Web site, www.frugalfun.com.
*********************** Special Offer ***********************
"THE DOCTORS SAID NOTHING COULD CURE MY CANCER, BUT WITHIN
TWO MONTHS, EVERY TUMOR HAD SHRUNK, DRIED UP AND FALLEN OFF."
Tom had already gone through surgery once for skin
cancer on his forehead. Unfortunately, his skin cancer
was melanoma -- the type you definitely don't want to
get. It spreads quickly and is deadly.
Just 10 days after the operation, the cancer was back
with a vengeance. It reappeared on his forehead, and
quickly spread to his arm, upper body and chest.
Four doctors agreed: There was nothing they could do to
cure this cancer. They all still wanted to operate, but
Tom wanted to live -- not just to get sliced up.
JUICES SEND TOM'S CANCER DOWN THE DRAIN
Tom decided to do some cutting himself -- of fruits and
vegetables. He chose a treatment that uses fruit and
vegetable juices (A LOT of fruit and vegetable juices)
to supercharge the body's immune system.
"Within two months," says Tom, "every visible tumor on
my body had regressed. They had shrunk, dried up and
fallen off."
Tom's story is not unique. In addition to cancer
treatments, The Complete Encyclopedia of Natural Healing
contains treatments for cleansing clogged arteries,
easing the pain from damaged joints and headaches,
fighting depression, lowering cholesterol, reversing
stroke damage and much more.
Details...
http://www.bottomlinesecrets.com/blpnet/offers/order_enh_mag.html?l=2&sk=138370&[EMAIL PROTECTED]&sid=E040504A3C
*************************************************************
Answers to your questions from Bottom Line Experts...
What's the best type of mattress for a person with a
bad back?
Answer from Francisco M. Kovacs, MD, PhD: A medium-firm
mattress may be just right. Although doctors usually
recommend firm mattresses for their patients with bad backs,
new research shows that back pain in people who slept on
medium-firm mattresses was twice as likely to improve than
in those who slept on firm mattresses.
However: Because there's no standard measurement in the US
for determining mattress firmness, you should always test
a mattress before buying it to ensure that it is comfortable
for you.
Self-defense: Shop for a mattress at a store that has display
models that you can try out. Some stores even offer a three-
month trial period.
Our inside source: Francisco M. Kovacs, MD, PhD, director,
scientific department, Kovacs Foundation, a non-profit
institution dedicated to the clinical management of back
pain, Palma de Mallorca, Spain.
*************************************************************
Help your friends get much more out of life
-- forward this E-mail letter to them. Bonus: It gives
you all more to talk about... very constructive talk, too.
This is a free weekly E-mail service of
BottomLineSecrets.com and Boardroom Inc.
Need to contact us? Click here...
http://www.bottomlinesecrets.com/cust_service/contact.html
Boardroom Inc.
281 Tresser Boulevard
Stamford, CT 06901-3246
ATTN: Web Team
Copyright � 2004 by Boardroom Inc.
_____________________________________________________________
Anyone Can Do It
Richard Wiseman, PhD
University of Hertfordshire
Special from Bottom Line/Personal
Some people seem to have all the luck. They walk down the
street and find money on the ground. They sit next to a guy on
a plane who owns a dynamic company -- and needs someone with
just their qualifications.
Others aren't so fortunate. When they buy a blue-chip stock,
the company's earnings take a nosedive. They get a new job --
at a firm that folds a few days later.
Born winners? Born losers? Don't you believe it. In fact, a
surprising amount of what we call "luck" is actually the
result of our own actions. Luck is really a series of skills
that anyone can develop.
In interviews with hundreds of people, I have found that the
lucky ones...
* Create chance opportunities.
* Follow their hunches.
* Expect good fortune.
* Turn bad luck into good.
By and large, they aren't aware that they're doing anything
differently than other people. Somehow, they've gotten into
the right habits and developed the right attitudes. What if
you were to follow their example?
In a series of experiments I conducted over two years, more
than 80 people went to "luck school," where they were taught
the four principles of luck. At enrollment, half of them
described themselves as unlucky... 10% as lucky... and 40% as
neither. One month later, 80% said their luck had improved.
The unlucky had become lucky, and the lucky grew luckier.
CREATE CHANCE OPPORTUNITIES
Lucky people's lives are full of fortunate occurrences. They
find valuable paintings at yard sales or meet the loves of
their lives at parties.
It seems like fate, but, in fact, lucky people use specific
techniques to maximize the role that chance plays. It is as
important to be in the right frame of mind as in the right
place at the right time. Things you can do...
Spend more time with friends, and chat with strangers. Smile
at people you don't know, and show by your body language that
you're approachable. Keep in touch with those you meet. You
never know which encounter will lead to a great idea or
valuable contact.
Example: Samantha, a secretary, dreamed of a career in the
film world. During a downpour, she shared a cab with another
drenched pedestrian, and soon they were involved in an
animated conversation. When Samantha learned that the man was
an executive at a film company, she confided her ambitions. He
gave her name to the personnel director of his company.
Six months later, Samantha had a new job. She still was a
secretary, but for an executive at the studio. Five years
after that, she was a successful film acquisitions executive
in Los Angeles.
Develop a more relaxed attitude toward life. When you're in a
rush or under stress, it blinds you to opportunities. When
you're hurrying down the street, you probably won't notice
that $100 bill.
Be open to new experiences. Experiment with different routes
to work. Go to different restaurants. We observe better in
unfamiliar situations and are more likely to see hidden
advantages.
Example: John, who lives in New York City, decided to walk
downtown instead of taking the bus as he usually did. He
noticed in a junk shop window an unusual antique camera that
was perfect for his collection.
FOLLOW YOUR HUNCHES
The conscious mind isn't good at detecting meaningful patterns
in behavior, speech and body language. The unconscious
compares the present against past experiences and finds
similarities -- generating strong feelings that a decision is
wise or unwise... that someone is or isn't trustworthy.
Lucky people are likely to act on these hunches. They heed
inner alarm bells and go-ahead signals in business, finance
and relationships.
Listen to your inner voice. Clear your mind with meditation,
or simply sit in a quiet place.
Of course, you need to use judgment. Ask yourself whether this
really is a situation in which past experience is guiding you.
For example, subtle gestures or facial expressions can give
you hints into a new acquaintance's character by reminding you
of people you have known in the past. However, a hunch that
8526 is a winning lottery number probably is meaningless.
EXPECT GOOD FORTUNE
Lucky people assume that things will turn out well for them,
in situations that are both within and outside their control.
Good fortune is a self-fulfilling prophecy. If you expect to
do well, you're more likely to start new projects. Low
expectations make you ready to give up before you begin. A
positive attitude gives you drive in the face of setbacks --
you persevere and get the most from any situation. In
addition, it has a strong influence on others. Nothing is more
persuasive than confidence.
Example: Gary was in his 60s when he decided to go to law
school. Friends and relatives tried to dissuade him. They
argued that law school was expensive and he would be unlikely
to get a job when he graduated. Gary went to school anyway and
ended up working at a prestigious Chicago law firm,
specializing in age-discrimination issues.
You can raise your expectations by visualizing good fortune.
When faced with an important opportunity, such as a job
interview, sit quietly, close your eyes and imagine yourself
in the situation. Think about the surroundings... the people
likely to be there... the sights and sounds you'll encounter.
Imagine yourself lucky, fielding the interviewer's questions
with assurance and conviction. Focus on how it will feel to
achieve your goals.
I also recommend keeping a "luck journal," in which you write
down positive events and lucky breaks to remind yourself of
just how fortunate you are. Try to do this every day.
TURN BAD LUCK INTO GOOD
Things happen over which we have no control -- accidents,
illness, unfair treatment at work -- but we can control how we
respond.
Lucky people see the positive side of their bad luck. Rather
than moaning, "Why does it always happen to me?" they consider
how much worse things could have been. Instead of dwelling on
ill fortune, they're convinced that, in the long run, things
will work out for the best.
As a result, lucky people are more resilient. They take
constructive steps to prevent more bad luck in the future.
When misfortune blocks a path to their goals, they explore
other ways of solving problems.
When something bad happens, think of how it could have been
worse. Example: Your car may have been totaled, but you
weren't hurt.
Ask yourself if a misfortune really matters. Will a lost
promotion affect your health or relationships? Compare
yourself to those who truly are less fortunate. Your bad luck
will seem trivial.
Example: In one experiment, participants were told to imagine
that they had slipped on the stairs and sprained an ankle.
Self-described "unlucky" people called this a real misfortune,
while those who considered themselves lucky said, "Whew... I
could have broken my neck!"
If you're superstitious, make it work for you. Broken mirrors,
black cats and the like really don't influence chance events.
While unlucky people dwell on ill omens and become anxious,
lucky ones use these charms to boost their confidence.
-------------------------------------------------------------
Bottom Line/Personal interviewed Richard Wiseman, PhD,
professor of psychology at University of Hertfordshire,
Hatfield, United Kingdom. For the past 10 years, he has been
studying the role luck plays in people's lives. He is author
of The Luck Factor: Changing Your Luck, Changing Your Life:
The Four Essential Principles (Miramax).
*********************** Special Offer ***********************
RALPH'S CANCER WAS THE WORST CASE THE MAYO CLINIC HAD SEEN
IN 20 YEARS...
Eight years ago, Ralph's cancer was so bad... they'd
given him Last Rites. But a little known, non-drug
therapy brought him back from the brink of death. Today,
his doctors call him... The Miracle Man. Learn the
natural secret that saved Ralph's life after drugs,
chemotherapy, and everything else in conventional
medicine's "bag of tricks" couldn't.
http://www.agora-inc.com/reports/HSI/W6HSE463
*************************************************************
Living the Good Life for Lots Less
Shel Horowitz
Special from Bottom Line/Personal
My wife and I travel, eat well and attend shows for a fraction
of what others pay. Our secrets...
FRUGAL TRAVEL
Stay with locals. Servas is a nonprofit organization with
members around the world who share their homes. You don't have
to pay for accommodations or agree to reciprocate, but a
yearly fee of $20 for US Servas, or $75 for Servas
International, is required.
Important: Stays are limited to two nights. For longer stays,
arrange for multiple hosts in a region. www.usservas.org.
Rent an apartment instead of staying in a hotel. Furnished
apartments can cost half as much. Since they have kitchens,
you also save on meals. Type "furnished apartments" or
"vacation rental apartments" and the name of your destination
into an Internet search engine, such as www.google.com. Also
check "furnished apartments for rent" classified ads in the
area's newspapers or through www.onlinenewspapers.com. Many
large rental agencies will rent apartments for periods as
short as one week.
For a free E-newsletter detailing last-minute bargains on
hotels and airfare, try SmarterLiving.com. It lists great
deals, such as $158 round-trip airfare from Chicago to San
Francisco and $80/night at the Aston Islander on the Beach,
Kauai, Hawaii.
Reserve a rental car far in advance for peak-season travel. At
some firms, you can lock in prices that are 25% to 50% below
peak rates by calling at least one month before peak travel
periods.
Visit US museums on free days. Unlike most attractions,
museums typically waive admission fees one day a week. Inquire
about free museum days at the local visitors bureau as soon as
you arrive.
Example: Washington, DC's major museums are almost all free.
In Chicago, at least one museum is free every weekday.
FRUGAL FUN AT HOME
Volunteer as an usher at concerts and plays. Ushers seat the
audience before the show and after intermission, then help
sweep up. You must arrive a little early and stay a bit late,
but you are pretty much free to enjoy yourself during the
performance. There often is an open seat. Promoters' names and
phone numbers generally are listed on advertising posters.
Call as far in advance as possible to ask if volunteer ushers
are needed.
Take advantage of radio giveaways. Put the station's number in
your phone's memory so you can call quickly when a giveaway is
announced. College stations offer the best odds since they
have fewer listeners than commercial stations. I win tickets
to at least five shows a year when I call stations regularly.
Go to the best restaurants in town -- for dessert and coffee.
Even at high-end eateries, this shouldn't cost more than $10
or $15 per person. True, you won't experience everything the
restaurant has to offer, but you'll get to linger and enjoy
the ambiance at very little cost.
Helpful: This is best done on weeknights after 9 pm.
Restaurants don't appreciate guests who arrive during peak
hours and spend little money.
Attend real estate showings at mansions. You'll tour beautiful
homes in ritzy neighborhoods. Keep an eye out for high-end
listings in local papers.
-------------------------------------------------------------
Bottom Line/Personal interviewed Shel Horowitz, Northampton,
Massachusetts-based author of the electronic book The Penny
Pinching Hedonist, available from the author. He also edits
the Frugal Fun Web site, www.frugalfun.com.
*********************** Special Offer ***********************
"THE DOCTORS SAID NOTHING COULD CURE MY CANCER, BUT WITHIN
TWO MONTHS, EVERY TUMOR HAD SHRUNK, DRIED UP AND FALLEN OFF."
Tom had already gone through surgery once for skin
cancer on his forehead. Unfortunately, his skin cancer
was melanoma -- the type you definitely don't want to
get. It spreads quickly and is deadly.
Just 10 days after the operation, the cancer was back
with a vengeance. It reappeared on his forehead, and
quickly spread to his arm, upper body and chest.
Four doctors agreed: There was nothing they could do to
cure this cancer. They all still wanted to operate, but
Tom wanted to live -- not just to get sliced up.
JUICES SEND TOM'S CANCER DOWN THE DRAIN
Tom decided to do some cutting himself -- of fruits and
vegetables. He chose a treatment that uses fruit and
vegetable juices (A LOT of fruit and vegetable juices)
to supercharge the body's immune system.
"Within two months," says Tom, "every visible tumor on
my body had regressed. They had shrunk, dried up and
fallen off."
Tom's story is not unique. In addition to cancer
treatments, The Complete Encyclopedia of Natural Healing
contains treatments for cleansing clogged arteries,
easing the pain from damaged joints and headaches,
fighting depression, lowering cholesterol, reversing
stroke damage and much more.
Details...
http://www.bottomlinesecrets.com/blpnet/offers/order_enh_mag.html?l=2&sk=138370&[EMAIL PROTECTED]&sid=E040504A3C
*************************************************************
Answers to your questions from Bottom Line Experts...
What's the best type of mattress for a person with a
bad back?
Answer from Francisco M. Kovacs, MD, PhD: A medium-firm
mattress may be just right. Although doctors usually
recommend firm mattresses for their patients with bad backs,
new research shows that back pain in people who slept on
medium-firm mattresses was twice as likely to improve than
in those who slept on firm mattresses.
However: Because there's no standard measurement in the US
for determining mattress firmness, you should always test
a mattress before buying it to ensure that it is comfortable
for you.
Self-defense: Shop for a mattress at a store that has display
models that you can try out. Some stores even offer a three-
month trial period.
Our inside source: Francisco M. Kovacs, MD, PhD, director,
scientific department, Kovacs Foundation, a non-profit
institution dedicated to the clinical management of back
pain, Palma de Mallorca, Spain.
*************************************************************
Help your friends get much more out of life
-- forward this E-mail letter to them. Bonus: It gives
you all more to talk about... very constructive talk, too.
This is a free weekly E-mail service of
BottomLineSecrets.com and Boardroom Inc.
Need to contact us? Click here...
http://www.bottomlinesecrets.com/cust_service/contact.html
Boardroom Inc.
281 Tresser Boulevard
Stamford, CT 06901-3246
ATTN: Web Team
Copyright � 2004 by Boardroom Inc.
_____________________________________________________________
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