Schwab has revolutionized the way mutual funds are bought and sold. In the old model, investors who wanted to switch fund families had to send a letter to the old fund requesting redemption and wait for the proceeds to arrive before investing in the new fund. With Mutual Fund OneSource, one call does it all. And there's no sales pressure to choose one fund over another. For help choosing a fund, investors can refer to our Mutual Fund Select List® or enter their own screening criteria on our interactive Web site. To compare fund performance, investors can refer to the Charles Schwab Mutual Fund Report Card™, which shows how selected funds have performed. And, of course, investors can get help by walking into any branch or picking up the phone and talking to a customer service representative who is trained to help investors choose funds based on their objectives. Schwab's proprietary funds have been very popular with investors, rising to $81.5 billion in assets at year-end 1998, up 46% from a year earlier. The $11.7 billion at year-end in our four SchwabFunds equity index funds makes it the nation's third largest family of index funds.