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By J. W. Baker

"The Kerr-Addison mine is on the northeast shore of Larder Lake in the township of McGarry, District of Timiskaming, Ontario. It lies just south of the highway leading to the town of Kirkland Lake, 25 miles to the west.The property was first staked in the summer of 1906, by a party of prospectors led by a Dr. Reddick of Ottawa. Subsequent assessment work resulted in the erection of a 20-stamp mill in 1908. Gold from this mill was used in the first gold coins to be minted in Canada. The operation did not prove successful, however, and mining was suspended. In 1914 a consider-able amount of underground development was undertaken by the Associated Goldfields Co., without success.In 1936 Kerr-Addison Gold Mines Co. carried out large-scale sampling from four adits driven into the hillside at the mine. Results were not satisfactory, but it was decided to drill one last deep diamond drill hole from surface. The hole cut a wide section of gold ore. With this encouragement, further development outlined a large tonnage of ore, and a 500-ton mill was put into production in May, 1938. In 1939, its first full year, the mine produced 54,480 ounces of gold and 2,732 ounces of silver. By 1955 the mill had been expanded to a rate of 4,549 tons daily, and in this year 427,193 ounces of gold and 23,490 ounces of silver were produced.From 1938 to the end of 1955 the total production, from 17,473,797 tons milled, has been 3,607,462.74 ounces of gold (0.2064 ounces per ton), and 182,278.56 ounces of silver, with a total value of $131,073,037."

Jan 1, 1949

By Jacob W. Young

A casual reading of the geological literature extant to-day would give one the impression that carbon is an element which by some chance or another always existed at or near the surface of the earth, and was never of a magmatic origin. The carbonaceous matter in shales is said to be of vegetal derivation; petroleum is stated to have been derived from vegetable matter or from marine animal bodies; if carbon or bituminous matter is found in igneous rocks or associated with metallic ores, the statement is made that deeply buried carbonaceous sedimentaries were undoubtedly the source from which such carbon or bituminous matter was derived. This, I do not consider a reasonable or common sense view of the matter. Carbon is one of the elements of which the earth is composed. In the table giving the periodicity of the elements it comes sixth in the order of increasing atomic weights. It is an element formed like all the rest were formed, and must be as common to the interior of the earth as the rest of the eighty-odd elements so far discovered. The spectroscopic analysis of light from the sun, and the stars, shows the presence of carbon in the sun and in the colder stars. Thus with carbon, an element, found throughout the universe as well as on the earth, it is entirely reasonable to consider it as present in the interior of the earth with the other elements. Such being the case, the magmatic origin for the various forms of carbon in rocks and ores is a rational and logical conclusion. If but a small fraction of thought and effort was made along these lines, which is made in fostering the idea of the organic origin of the carbon found in the earth's crust, untold advances in this phase of geological science would result.

Jan 1, 1925

By T S. Cochrane

This paper is based on observations made during a recent visit by the writer to three of the dust research laboratories .in West Germany, each .of which is mainly concerned with studymg the composition and character of the respirable dust produced in mines or at industrial sites. The three institutes are discussed as regards their orgamzat10n and duties, their methods of dust sampling and analysis, and recent trends in research and development. An extensive bibliography completes the paper. Introduction A RECENT trip to Europe to attend international conferences m Austria and m Belgium gave the writer the opportunity to visit a number of research laboratories and mines in Western Europe. The visits to the dust research laboratories in West Germany are the basis of this report. In Germany, cooperative associations formed prior to and since the turn of the 20th Century to promote the safety and welfare of their workers have recognized the effects of airborne dust on the general health of the labour force.

Jan 1, 1964

By Christine Hansen

?Kiss my Asteroid? Unofficial Title Human life is tied to minerals It?s worth noting that: The living human body consumes minerals. The minerals we take in multivitamins show the close linkage between human beings and mineral resources. Unlike tourism or specialized manufacturing, a human being could not live without mineral consumption. Minerals and their consumption is a tangible part of human life.

May 1, 2013

By A. T. Jakubick, A. MacG. Robertson

This paper reviews key issues related to the placement of dry (soil) covers on extremely weak, compressible fine tailings. The design and construction of soil covers on such tailings often presents a formidable challenge to the geotechnical as well as the environmental engineer due to the low shear strength, poor traffic ability, and high settlement of under consolidated tailings at the time of reclamation. The geotechnical issues to be considered include: (1) consolidation of near-surface tailings to achieve strength gains, improve traffic ability, and allow safe placement of initial cover layer; (2) stability of tailings slopes during dewatering of tailings ponds and/or cover placement; and (3) long-term settlement of tailings and its impact on cover integrity and final surface shaping. The environmental issues to be considered include: (1) management of contaminated (free) pond water; (2) management of contaminated pore water expelled during tailings consolidation; and (3) management of (uncontaminated) surface water on top of the cover. This paper summarizes recent experiences gained in a large uranium tailings reclamation project. It is concluded that a careful consideration of both geotechnical and environmental issues during the planning stages greatly reduces the costs and environmental risks associated with fine tailings reclamation.

Jan 1, 2000

By Shahé Shnorhokian

Remnant pillars evolve towards the latter stages of mining in an orebody and act as repositories of mining-induced stress. It is therefore crucial to plan ahead as to their dimensions and location with respect to the local geology. A case study of a Canadian base metal mine was examined for the planned mining sequence scenario to identify the stress regimes acting on a future remnant pillar occurring between levels 4800 and 5100, near a brittle dyke. A mine-wide model was constructed in FLAC3D and input parameters included results from field measurements of the direction and magnitude of the principal stresses, and the geomechanical properties of the different formations. Prior to the study, the model was calibrated based on a 6-year record of mining-induced seismicity and rockburst events, focusing on large event clusters. The mining sequence followed at the mine was then used in the model to study the planned future extraction program around the remnant pillar. It is shown that the distance of the remnant pillar from the dyke and another orebody plays an influential role on the stress levels developed in the pillar.

Jun 1, 2012

By James A. Finch, Stéphanie Gélinas

"A colorimetric technique, originally developed for methyl iso butyl carbinol (MIBC) based on the Komarowsky reaction, has been extended to a wide range of common mineral flotation frothers. The procedure, which is briefly described, is shown suited to on-site determination in a series of industrial campaigns. Some frother observations are described, including: concentration evolution down a bank, distribution between pulp and froth phases, and a mass balance around a circuit. Minute amounts of frother in recycle water were also measured.The contribution of frother and alcohol by-products in the analysis was generally additive for plants using aliphatic alcohol type frothers and decoupled for systems using glycols. Typically, U250C (polyglycol) was used at higher concentration (>10 ppm) than MIBC (aliphatic alcohol) (<10 ppm) or F-150 (polyglycol) (<3ppm).The ability to monitor frother easily will help interpret gas dispersion behaviour and should permit further optimization of flotation cell hydrodynamics and chemistry. The capability to directly measure should help optimize the type, amount and location of frother addition, and to assess frother recycled with reclaim process water.INTRODUCTIONOwing to the lack of analytical methods, the task of determining frother concentration in plant flotation circuits is not routinely performed. Industrial sites seldom outsource analyses that are both costly and inconvenient, due to the necessity of shipping freeze-dried samples to remote testing facilities. A more direct colorimetric method has recently been demonstrated for the laboratory characterization of common industrial frothers (Gélinas and Finch, 2004). The approach, based on the Komarowsky reaction (Penniman et al., 1936; Coles et al., 1942; Duke, 1947), was previously described by Parkhomovski et al. (1976) for methyl iso butyl carbinol (MIBC). The reaction involves the interaction of the OH group of a higher alcohol, concentrated sulphuric acid, and salicylaldehyde, to yield coloured solutions with intensities that can be analyzed by UV-visible spectrophotometry."

Jan 1, 2007

By Catherine T. Ziten

Introduction ?Environmental assessments required for permitting ?Focus on ammonia produced through mine construction & blasting ?Water quality guidelines: federal, provincial, IGO ?Reported values are typically estimates from other projects ?Predictive modelling of ammonia aimed to assist planning

May 1, 2009

By W. J. Wright

Summary This paper describes the general situation of the mining industry in New Brunswick, and gives a detailed description of the recent developments in the antimony deposits at Lake George and the copper deposits in the vicinity of New Horton. At the end are lists of the most interesting geological literature relating to the Province and of the geological and topographic maps that have been published. Introduction In presenting this paper to the Institute, I apologize for the small amount of scientific data which it contains. Recent investigations in the Province of New Brunswick have been carried on largely by outside interests, and at present we ourselves are in the position .of taking stock. However, I am glad of the opportunity of giving you a general idea of the situation. The Province is making an honest effort to learn the truth concerning her mineral deposits and in time hopes to collect data which should be of interest to the mining community.

Jan 1, 1931

By André Vien, Pedro Gonzalez, Julio Palomino, Rob Perry

"In many mineral processing plants ore is reclaimed from a stockpile using multiple feeders. The discharge from these feeders is combined onto a single conveyor from which total tonnage is measured. Typically, operators set feeder output ratios to adjust the proportion of total tonnage drawn from each feeder. From a process control perspective, this system is not easy to control because the response time of each feeder depends on the distance from the feeder to the weightometer. This paper proposes a simple and elegant process control strategy to manage feeder ratio changes and the associated long and varying process dead-times. Changes in feeder speed are delayed and filtered to compensate for transport delays between feeders. The strategy was evaluated by simulation and installed on a mill feed system.ResumenEn numerosas plantas procesadoras de minerales, el mineral es extraido desde una pila de almacenamiento usando varios alimentadores. La descarga de estos alimentadores es recibida por zinica correa transportadora, en la cual se mide el tonelaje total. Comzinmente, los operadores colocan un valor determinado en cada controlador de razdn para ajustar la proporcidn del tonelaje total extraido por los alimentadores. Desde el punto de vista del control automatic0 de procesos, este sistema es dijkil de manejar debido a que el tiempo de respuesta de cada alimentador depende de la distancia de este respecto a la ubicacidn del pesdmetro. Este trabajo, propone una estrategia de control, simple y elegante, para compensar los cambios de razdn a cada alimentador y los tiempos muertos del proceso largos y variables. Los cambios en la velocidad de los alimentadores son retardadas y filtradas para compensar los retardos del transporte entre alimentadores. La estrategia fue evaluada por simulacidn, instalada y probada en un sistema de alimentacidn a molino."

Jan 1, 2000

By D. Runnels, A. Allaire, J. Torrealba-Vargas

Data mining and modelling of operational data involves the discovery of patterns in large datasets for future use in benchmarking and plant optimization. The modern pattern of discovery in large data sets involves statistical techniques, machine learning and new visualization tools. Former examples of data mining are revisited and presented in this document. INTRODUCTION A network of enthusiastic and active professionals is currently developing and maintaining several open source statistical software tools (packages) for data analysis (example Rstudio, Orange, Spyder, etc.). The advantages of the open source software philosophy are the fast development and testing of the solutions presented to the community. Books and support are available for each software application. Since each modern work activity generates massive amounts of data, it is attractive to learn and test those available tools considering that we are at the door of the new work revolution coined as “Mine 4.0”. Data mining involves collecting large datasets, the preparation and cleaning of a dataset (term named data wrangling), the uploading of the data to a database program capable of handling big datasets, the development of prediction models and the presentation of the results. Machine learning techniques help to develop mathematical models and algorithms that could be used to improve the performance on a specific task. Mine operations are producing an incredible amount of data each day and the need to analyze those results seems to be impossible due to the lack of time, as well as the lack of skills to investigate the data collected. If we add to this the traditional habit of working in silos, an additional challenge is to consolidate databases from different departments in search of trends that could help to optimize production.

Jan 1, 2019

By Chuck Edwards

"Cameco operates the high-grade McArthur River uranium mine in northern Saskatchewan, and is constructing the high-grade Cigar Lake uranium mine. Cameco has studied the concept of underground milling of high-grade uranium ore. Compared to conventional milling on surface, the underground milling scheme appears to offer significant cost savings and a lower environmental impact. This paper describes the underground milling scheme, presents process flowsheets and plant layouts, and provides an assessment of potential benefits from underground milling.INTRODUCTIONCameco CorporationCameco is the world’s largest uranium producer, with three operations in Saskatchewan (Rabbit Lake mine/mill, McArthur River mine, and Key Lake mill), two in the United States (Crow Butte and Smith/Highland ISL operations) and two new mines being developed in Canada (Cigar Lake project) and Kazakhstan (Inkai project). Cameco provides uranium fuel refining and conversion services at its Blind River and Port Hope facilities in Ontario. Cameco is part owner (31.6%) of Bruce Power that leases eight nuclear power plants located in southern Ontario. Cameco is the majority shareholder in Centerra Gold Inc., which operates gold mines in the Kyrgyz Republic and in Mongolia.Global Uranium Production RequirementsCentral to Cameco’s view of future uranium supply requirements is the belief that the world is experiencing a nuclear renaissance. This belief is supported by a number of developments, including:•,?Countries representing half the world’s population are now constructing new nuclear power plants. Many countries without nuclear power have begun to plan for it, seeking reliability, clean air and energy independence.•,?Accelerated growth for this industry is also becoming much more likely. In Asia, primarily in China and India, 92 reactors are under construction, on order or planned to help meet rapidly expanding economic needs. Other Asian countries, such as Vietnam and Indonesia, with large populations and rapidly growing economies, are also expected to follow.•,?In the United States the “Energy Policy Act of 2005”, the first energy legislation introduced in over a decade, was signed. This legislation includes provisions recognizing, for the first time at a national level, the clean air contribution of nuclear energy and its critical role in meeting energy security. Upon signing this landmark legislation President Bush stated, “We will start building nuclear power plants by the end of this decade.”"

Jan 1, 2007

By R. B. Rao, B. Das, J. K. Mohanty, D. S. Rao

Physical, mineralogical and geochemical characterization, along with some beneficiation approach to pre-concentrate the Ni content of the chromite overburden material of the Sukinda Valley, India, have been carried out in detail. Mineralogically, the overburden consists of geothite, quartz, hematite, magnetite and secondary silicates in varying proportions. A specific Ni mineral phase is absent in this material with the Ni and Fe being mostly enriched in finer fractions. Distribution of Ni and Fe in various size fractions and increase of Ni with increase in Fe (goethite content) indicate that goethite is the major Ni-bearing mineral phase. Quantitative estimation of goethite from chemical analysis and weight loss data indicates that the goethite quantity varies from 40% to 90%. Electron microprobe analysis (EPMA) indicates that Nirich and Ni-poor goethite are present in the overburden material. A sequential dissolution study indicates that more than 50% of the Ni are present within the goethite lattice as a lattice substitution. The results of pre-concentration studies (size classification, gravity, flotation and magnetic separation) indicate that Ni is richer in finer fractions. Further, the enrichment of Ni content is limited to 1.1% with 50% recovery by classification followed by hydrocyclone separation of the below 53 m m fraction.

Jan 1, 2000

By Max W. Ball

THE world&apos;s largest known oil deposit lies in northern Alberta. In fact, according to government estimates, the famous so-called &apos;tar sands&apos; of the Athabaska region contain several times as much oil as all the other proved reserves of the world. S. C. Ells, of the Department of Mines and Resources, who has been the Dominion Government&apos;s authority on the oil sands since 1913, has estimated the minimum content of the deposits at 100 billion barrels(!). C. P. Bowie, of the U.S. Bureau of Mines, has published an estimate of 250 billion barrels(2). ?In comparison, the latest authoritative estimate of the proved oil-field reserves of the world is less than 35 billion barrels(3). Out of this tremendous total, perhaps 500 million barrels are commercially available at present-day costs and prices; the remainder must be considered a latent reserve to be used when development costs are materially lower and petroleum prices materially higher than they now are. Mean-while, the 500-million-barrel portion presently available contains more oil than has been found in all the rest of Canada, and constitutes one of Canada&apos;s great mineral resources. Although these deposits have been known to white men since 1788, when Peter Pond, the explorer, found the Indians stewing the oil out of the sand and mixing it with spruce pitch to caulk their canoes, they are only now coming into commercial production. The purpose of the present paper is to describe the deposits, their oil content, their present development, and the possibilities that seem to lie immediately ahead. For the sake of completeness and clarity, the writer has not hesitated to use or to paraphrase material that he has previously published elsewhere in discussing various aspects of the oil sands.

Jan 1, 1941

By R. W. Lawrence

"In the past year, BioteQ Environmental Technologies Inc. have initiated design and construction of new plants to add to an existing list of plants that utilize the BioSulphide® and ChemSulphide™ process technologies for metal recovery and water treatment. In these plants, low cost biogenic sulfide or, in some cases, chemical sulfide reagent is used to selectively remove metals from contaminated water. The process produces high grade, marketable, metal sulfide products even from low grade feed solutions. The revenues generated from the sale of products can allow for water treatment at a profit in some cases, offset treatment costs in others, and generally reduce sludge disposal and management costs. The effluents produced from the process can meet stringent environmental standards. Current plants in operation and under construction range in sulphide demand from 50 kg/day to 3.7 tonnes/day, with the feasibility of larger plants with sulfide demands ranging from 6 to 43 tonnes/day under review.Biogenic sulfide reagent can also be considered for other applications in hydrometallurgy and mineral processing. Uses under consideration by a number of mining companies include: (1) replacement of sodium hydrosulphide in the SART process for cyanide regeneration and copper recovery in the processing of gold-copper ores, and (2) replacement of sodium hydrosulphide for use in the separation of copper and molybdenum in flotation. Biogenic sulphide, produced on demand at site, offers significant cost savings and provides the additional benefit of improved safety due to the elimination of the transportation, handling and storage required for chemical sulphide reagents.This paper reviews the applications of the BioSulphide® and ChemSulphide™ technologies for water treatment and metal recovery, and introduces projects where biogenic sulfide can be applied in hydrometallurgy and mineral processing."

Jan 1, 2007

By K. E. Barnes

"The “Jameson Cell” flotation cell was developed at Mount Isa Mines in the late 1980’s to address deficiencies in our flotation column installations. Early base metal installations had a variable record. The test work and trials showed they made an improvement metallurgically when operated correctly, but performance of the early installations was hindered by a range of operational and maintenance issues. The installations needed to be more robust, and we needed a better understanding of how to successfully integrate the cells into the plant flow sheet.During the 1990’s, Jameson Cells had great success in coal fines flotation and organic removal in SXEW applications, and became the standard in these applications in Australia. These installations improved the cell design and materials of construction and the cell flow sheet design, to make it low wear with self-regulating control, producing good performance with little operator input.These improvements have enabled a fresh look at the use of Jameson Cells in base metals. Recent new installations have shown significant benefits in “hybrid” circuits, that combine the best features of both Jameson Cells and conventional flotation cells, achieving better overall circuit performance in a smaller footprint than either technology could do by itself.Case studies of successful base metal applications are discussed, using size-by-size mineralogical performance to explain the improved circuit performance. The new methods of flow sheet test work design are also described."

Jan 1, 2006

By P. J. Noakes

Remote and isolated, located in a frigid, hostile environment, the Black Angel mine in Greenland had to create a warm social environment which would help attract and retain a stable work force of miners and support staff. The high cost of personnel turnover plagues many mines and, when the mine is inside the Arctic Circle, accessible by helicopters which are highly vulnerable to unpredictable weather conditions during the long, dark winters, the potential costs of personnel turnover become critical factors in the success or failure of the mining venture. Manpower planning should start from the date the engineers begin the technical design of the new mine. The plan should include provisions not only to ensure an adequate, skilled work force, but also to ensure a stable work force of people who are happy enough in the mining environment to want to remain, take their vacation and return to work at the mine. The skilled work force was assured with training courses of four months, designed to produce highly specialized underground workers from unskilled Danes and Greenlanders supported by trained Swedish and other Scandinavian miners. The stable social unit was assured by plans the primary attribute of which had to be flexibility. The accommodation changed from shared accommodation with communal washroom facilities to single accommodation with private washroom facilities. A recreational director was hired to help the workers make use of elaborate recreational facilities. A closed-circuit TV and radio system was installed to operate as a private broadcasting system using taped programs originally broadcast on European TV networks or developed by the mine personnel themselves. The liquor rules were changed and the mine manager became a licensed innkeeper responsible for the orderly operation of the Black Angel Bar in accordance with the Danish laws governing the services of a public bar. The result is a relatively stable work force. Some 35% of the people have more than two years&apos; service with the company, Greenex A/S, and some 62% complete 10 months of service.

Jan 1, 1978

By L. van Hijfte, A. Piché

"Drilling and blasting are fundamental operations in the mining cycle and constitute an important component of the mining costs. Problems associated with improper drilling and blasting practices can create losses of several millions of dollars per year. For this reason, a Blasting Technology program was initiated in 1984 at the Noranda Technology Centre (NTC). In this paper, advances made at NTC in drill and blast technology are reviewed. Impacts of drilling and basting for Noranda are assessed in terms of dilution and ore losses. Future challenges are addressed. IntroductionUp to 1997, Noranda was a diversified natural resources company that operated in three sectors: mining and metallurgy, forest products, and oil and gas. The company employs more than 33 000 people in operations and sales offices around the world. Today, Noranda has returned to its roots in mining and metallurgy. The new vision of Noranda is to be dedicated to the responsible and profitable development of mineral resources around the world for the benefit of its shareholders. In so doing, Noranda will continue to be deeply committed to the environment, health, workplace safety, cost competitiveness and return on capital. Technology is an integral part of Noranda’s success strategies. For this reason, the Noranda Technology Centre, formerly known as Noranda Research Centre, was founded in 1963. Since then, it has undergone four expansion phases to keep up with the increasing needs of the businesses. Today, NTC employs more than 220 specialists who work in partnership with different Noranda companies to identify, develop, and transfer technology to the operations, as well as to explore new sectors of activity."

Jan 1, 2000

By Barbara H. Scott Smith

"During the last two decades lamproites have joined kimberlites as the only two known primary sources of economic quantities of diamonds. This paper contrasts the petrography, primary and xenocrystic mineralogy and pipe geology of these petrogenetically separate rock types. The petrographic discrimination of kimberlites and lamproites from each other, as well as other rock types found during diamond prospecting, is discussed. Kimberlites and lamproites can be classified texturally and mineralogically. Such classifications highlight the differences between, and among, lamproites and kimberlites. The implications of these differences for diamond exploration programs are discussed, with particular emphasis on the application of petrography. IntroductionKimberlite was the term coined in the late 19th century to describe the host rock of diamond at the type locality, Kimberley, South Africa (Lewis, 1887, 1888). Innumerable kimberlites are now known worldwide; some of them contain economic quantities of diamond (e.g. South Africa, Botswana and Russia) while many are barren. Jennings (1989) suggests that less than 3% of the known kimberlites can be considered to be commercial. Kimberlite was thought to be the only important primary source of diamond for approximately a century. Until the late 1970s, lamproites were thought to be only academic curiosities. Some workers (e.g. Wade and Prider, 1940), however, did comment on certain similarities between lamproites and kimberlites and, hence, inferred a potential for lamproites to carry diamonds.The term lamproite was introduced by Niggli (1923) for leucite-bearing rocks from southeast Spain and Wyoming which had some unusual geochemical characteristics. Wade and Prider (1940) used the term lamproite (as defined by Troger, 1935) to embrace rock types found in the West Kimberley area of Western Australia. All the lamproites described by Wade and Prider (1940) form distinct topographic features. Subsequently in the late 1970s, additional pipes, which have little or no relief, were discovered in the same area, but only as the result of a major diamond exploration program (Atkinson et al., 1984; Jaques et al., 1984, 1986). Some of these bodies are diamondiferous. In 1979, the Argyle pipe was discovered in the East Kimberley area which, in terms of grade, is the richest known primary diamond deposit in the world with some parts of the body having grades greater than 500 carats/100 tonnes (Madigan, 1983; Boxer et al., 1989). All the initial new discoveries in Western Australia resulted from classic stream sampling for ""kimberlite indicator minerals"" (Atkinson, 1989)."

Jan 1, 1992

By G. Lipsett, S. Dessureault

Information technology (IT) initiatives in the past have tended to be sold on their ability to maximize resource output and return on capital by allowing assets to be used more effectively and efficiently. Many IT projects fail, not delivering return on their investment. This is known in the IT industry as the “productivity paradox,” where increasing investments in IT do not result in comparable increases in productivity. Experiences and studies of most business sectors reveal that this paradox is rooted in the false assumption that more IT spending automatically results in financial benefit, whereas the benefits are in how effectively IT is used. Most business sectors have accepted that re-engineering of processes is required to gain the full benefits promised of IT. A mining operation has organizational processes similar to most business sectors, but unique operational processes. The lessons of changing business practice in more common business processes, such as inventory control and customer-supplier relationships, can be adequately transposed into a mine setting. The unique operational processes in mines, in turn, require unique redesign efforts. Several enabling information technology opportunities have recently become available, such as more integrated mine production management systems and tactical manager training simulators. This paper reviews some of the latest IT products and outlines the processes and kinds of change that will be required in order to benefit from these new investment options.

Jan 1, 2009