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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;"><span style="color:#FFFFFF;"><span style="background:#000000;">[Captioning by theLaw, Health Policy & Disability Center]</span></span></span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;"><span style="color:#FFFFFF;"><span style="background:#000000;">John Rowe (Moderator): So let me introduce to you all Chris Kuczynski .</span></span></span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;"><span style="color:#FFFFFF;"><span style="background:#000000;">[Applause]</span></span></span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">Chris Kuczynski: Good morning.</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">Audience: Good morning.</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">Chris Kuczynski: How often do we run ahead. I was supposed to be from eleven, or ten to eleven</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">and I think it's about five of ten according to my watch,</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">I don't know whether that means I should finish at five of eleven or that I get an extra five minutes.</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">As anybody that's heard me speak knows, I will fill it up if I'm given the five minutes</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">[Laughter].</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">But I do want to talk about a number of issues under the ADA,</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">"What every employer should know" is what I'm supposed to talk about.</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">And I'm going to do that and I'm going to, hopefully save time for questions,</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">but I do understand that there will also be a panel during the lunch</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">and that there'll be an opportunity also to continue the discussion.</span></span></P>
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<P Class="Captions"><span style="font-family: Arial;"><span style="font-size: 14pt;">But I'm hoping that we can get one started also during the course of my remarks. So,...</span></span></P>
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