Cover Page To Our Shareholders Issues and Answers: Contributions That Count Enterprise Profile Financials Summary Financial Review Report of Management Report of Ernst & Young LLP, Independent Auditors Financial Statements Notes to Consolidated Financial Statements    1 Summary of Significant Accounting Policies    2 Accounting Changes    3 Employee Stock Ownership Plan/Savings Incentive Plan    4 Benefit Plans    5 Special and Other Charges    6 Acquisitions    7 Income Taxes    8 Supplemental Financial Information    9 Debt   10 Financial Instruments   11 Shareholders' Equity   12 Comprehensive Income   13 Commitments and Contingencies   14 Stock Plans   15 Earnings Per Share   16 Segment Data Corporate Information Board of Directors and Officers

Notes to Consolidated Financial Statements 1 Summary of Significant Accounting Policies 2 Accounting Changes 3 Employee Stock Ownership Plan/Savings Incentive Plan 4 Benefit Plans 5 Special and Other Charges 6 Acquisitions 7 Income Taxes 8 Supplemental Financial Information 9 Debt 10 Financial Instruments 11 Shareholders' Equity 12 Comprehensive Income 13 Commitments and Contingencies 14 Stock Plans 15 Earnings Per Share 16 Segment Data