(a) Results for 2001 include three significant items: (1) a charge of $1.01 billion ($669 million after-tax) reflecting losses associated with high-yield securities recorded during the first half of 2001; (2) restructuring charges of $631 million ($411 million after-tax); and (3) the one-time adverse impact from the September 11th terrorist attacks of $98 million ($65 million after-tax).

(b) Excludes the effect on Shareholders' Equity of unrealized gains or losses related to SFAS No. 115, "Accounting for Certain Investments in Debt and Equity Securities," and SFAS No. 133, "Accounting for Derivative Financial Instruments and Hedging Activities."

Denotes a variance greater than 100%.