<HTML><FONT FACE=arial,helvetica><HTML><FONT COLOR="#000000" FACE="Geneva" FAMILY="SANSSERIF" SIZE="2">Dear Bertrand --<BR>
<BR>
How about "fragmentation" ?<BR>
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Amiti</FONT><FONT COLOR="#000000" FACE="Geneva" FAMILY="SANSSERIF" SIZE="2">és, Rony</FONT><FONT COLOR="#000000" FACE="Geneva" FAMILY="SANSSERIF" SIZE="2"></FONT><BR><BR><BR>**************<BR>It's Tax Time! Get tips, forms, and advice on AOL Money & Finance.<BR> (http://money.aol.com/tax?NCID=aolprf00030000000001)</HTML>