In this issue:

Words From The Chair -- Roger Rioux
        Includes writeup of the Annual Meeting and photos

  From The Editor -- Pam Libby
         -- Important Dates
         -- Unum Retirees Website

  Disability Underwriters Mini-Reunion
            --  from Stan Sylvester

UNUM RETIREES -- Volunteers.  by Beverly J. Dahms
        
Our Dearly Departed.  by Bob Anastasoff

  Thank You.   From Lois Smith

 Villages.  By Tom Bore

 Two Very Special Friends.   From Don Ballard

 Puzzles.  By Ruth Meyer