Date:    12/17/1999  9:17 AM

Subject: right on!
 
I, and my family, all individual investors, applaud this initiative of Fair 
Disclosure.  It will make better investors of us all by allowing unfettered, 
real-time access to the kind of information that can affect investment 
decisions.  This can only help make financial markets increasingly 
efficient, redounding to the benefit of all investors, institutional and 
individual alike.
     
     
_____________________________
Yali Elkin
Associate Consultant
     
The Segal Company
One Park Avenue
New York, NY  10016