An undesirable aspect of the current economic and market conditions is the level of provisioning. Provisioning has increased this quarter again.

The Netherlands is really a mature market,

The boom in electronic banking and the reduction in cash transactions - partly due to the introduction of the euro - are changing the role of the branch network,

Based on current conditions, however, it appears that the soybean prices need to be at a level to discourage a large increase in U.S. acreage in 2006.

The current administration has allowed market forces to determine the dollar's level, although there has been some intervention,

This request is based on current market conditions and reflects anticipated gas costs from Aug. 1, 2006, through July 31, 2007. Customers should remember that this is a forecast that must be reviewed and approved by the PUC and could be revised before Aug. 1.