Exhibit 99.1



                     DEFINITIONS OF SELECTED FINANCIAL TERMS



Return On Average Stockholders' Equity

Net income divided by average stockholders' equity. Average stockholders' equity
is  computed  by  averaging  the sum of the  beginning  of year  and end of year
balances.

Return On Average Capital Employed

Net income plus after-tax  interest expense divided by average capital employed.
Capital  employed is  stockholders'  equity plus  short-term debt plus long-term
debt plus capital lease  obligations  plus minority  interests.  Average capital
employed is computed by averaging  the sum of capital  employed at the beginning
of the year and at the end of the year.

Total Debt to Total-Debt-Plus-Equity Ratio

Total debt,  including  capital  lease  obligations,  divided by total debt plus
stockholders' equity.

Current Ratio

Current assets divided by current liabilities.

Interest Coverage Ratio

Income before income tax expense and  cumulative  effect of change in accounting
principle,  plus  interest  and debt  expense and  amortization  of  capitalized
interest, divided by before-tax interest costs.

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