Index Financial Highlights To Our Shareholders Senior Market Brokerage Career Agency Administrative Services Selected Consolidated Financial Data Management's Discussion and Analysis... Consolidated Balance Sheets Consolidated Statements of Operations Consolidated Statements of Stockholders' Equity... Consolidated Statements of Cash Flows Notes to Consolidated Financial Statements Independent Auditors' Report Market for Registrant's Common Equity... Corporate Information MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Forward-Looking Statements Results of Operations - Consolidated Overview Segment Results - Career Agency Segment Results - Senior Market Brokerage Segment Results - Special Markets Segment Results - Administrative Services Segment Results - Corporate Liquidity and Capital Resources Investments Federal Income Taxation of the Company Effects of Accounting Pronouncements Quantitative and Qualitative Disclosures About Market Risk