PURPOSE To help individuals and organizations be measurably more effective. TABLE OF CONTENTS Financial Highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Letter from the Chairmen . . . . . . . . . . . . . . . . . . . . . . . . 2 Form 10-K . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Management’s Discussion and Analysis. . . . . . . . . 22 Report of Independent Public Accountant . . . . . . 34 Financials . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Notes to Consolidated Financial Statements. . . . . 39 Proxy Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 International Offices . . . . . . . . . . . . . . . . . . . . . . . . . . . 84 Corporate Information . . . . . . . . . . . . . Inside Back Cover