Last week, U.S. Stocks and Foreign Stocks both declined but Bonds increased.   During the last 12 months, STOCKS have substantially outperformed bonds.

Returns through 1-22-2010	1-week	Y-T-D	1-Year	3-Years	5-Years	10-Years
Bonds- BarCap  Aggregate Index	.3	1.5	7.9	6.5	5.2	6.6
US Stocks-Standard & Poor’s 500	-3.9	-2.0	35.1	-6.4	.7	-1.0
Foreign Stocks- MS EAFE Developed Countries	-3.7	-.9	43.1	-9.1	1.4	-.7

        
Source: Morningstar Workstation. Past performance is no guarantee of future results.  Indices are unmanaged and cannot be invested into directly.  Three, five and ten year returns are annualized.  Assumes dividends are not reinvested.