Investment Style
              VALUE             BLEND          GROWTH
      
      LARGE   LARGE-CAP       LARGE-CAP       LARGE-CAP
              VALUE             BLEND          GROWTH
              -1.3%             -1.4%           -1.0%
      
              MID-CAP          MID-CAP         MID-CAP
      MIDDLE  VALUE             BLEND          GROWTH
              -2.8%             -1.5%           -3.0%
      
             SMALL-CAP       SMALL-CAP       SMALL-CAP
      SMALL   VALUE             BLEND          GROWTH
              -1.0%             -1.8%           -1.3%
      FUND AVERAGES ARE BASED ON 1994 PRETAX RETURNS
      DATA: MORNINGSTAR INC.
      
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