1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1.   2. Dana Telsey Senior Managing Directorand Head of Retail Group Bear, Stearns & Co., Inc. 3. March 22, 2004 Dana L. Telsey Senior Managing Director Bear, Stearns…

1. SBMS Security based Messaging SYSTEM 2.  80% of Internet email is spam  60% of business users get at least 1 phishing email every day  Malware hits the average…

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$ "The entire essence of America is the hope to first make money -- then make money with money -- then make lots of money with lots of money." -- Paul Erdman $…