It's absolutely impossible to quantify the impact of Sept. 11.

It is a big deal but it is very hard to quantify what the impact could be on Microsoft.

Some aspects are easy to quantify, some are not. What I can't quantify is the impact of the wireless transition on our sales due to fact that we have less inventory and less active promotional activity.

We're not recommending it because we expect volatility based on the price risks it takes, and we'd only recommend a fund with such a high expense ratio if it had a very long track record of success. The fund is not a 'sell,' however, since Franklin has a large staff of analysts and the manager does know the approach that Franklin uses.

Just because a fund has 'dividend growth' or 'rising dividends' in the name doesn't mean it's strictly following a strategy of buying stocks that have increased their dividend. Study the strategy of each fund and understand the portfolio.

It's the first primarily broker-sold fund family acquiring an ETF family.