OPENING MESSAGE Hello Card  -  Volume 11  -  Roger Card Number 0  -  Tue, Dec 12, 1989 1:57 AM My apologies for being late in sending back contributions. I was involved in concentrated study for my Final for the H&R Block Tax Preparation Course. The final was today (Monday the twelveth.) So I am now able to sit back in a relaxed manner and review the voice cards.