Don Boyd, Rockefeller Institute, Albany;

Joel Brest, Ridgewood Economic Associates, CT;

Barbara Byrne Denham, Real Chain, NY city;

Celia Chen, Economy.Com;

Richard Crump, Goldman Sacks;

Jim Diffley, WEFA;

Mattthew Drennen, Cornell University;

Kent Gardner, Center for Government Research, Rochester;

Marc Goloven, Chase Manhattan, NY city;

Sara Johnson, S&P DRI;

Gary Keith, M&T Bank, Buffalo;

Dale Lutz, Chase Manhattan Bank, Binghamton;

Nancy Mantell, Economics Consultant, NY City;

George Plumbo and Mark Zaporowsky, Canisius College, Buffalo;

Jim Parrott, Policy Institute, NY City;

Yousuf Rahman, NYC Office of M&B;

Ed Renshaw, UAlbany;

George Roniger, Economics Consultant, NY city;

Stan Shipley, Merrill Lynch, NY city;

Tom Spitznas, Spitznas & Asso., Mt. Vernon;

and two anonymous analysts from the financial sector.