Coby Lamson will assist those clients who prefer to make their own buy and sell decisions by reviewing all client positions on a monthly basis beginning 12/31/08.  Using its proprietary timing indicator "LGTI", Coby Lamson will provide monthly Buy, Sell, and Hold ratings on all securities in client accounts, as well as stop-loss capital preservation levels.  This is a non-discretionary model.  In this model Coby Lamson will act only as an adviser, not as a fiduciary.