For the year ended
	July 31, 2003
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	74,115
Adjustments to reconcile net income to net cash
used in operating activities:	0
Changes in working capital:
(Increase) Decrease in accounts receivable	-206,606
(Increase) Decrease in charge-offs	216,343
Net cash used in operating activities	83,852
Net increase (decrease) in cash and cash equivalents	(825)
CASH AT BEGINNING OF PERIOD	6,125
CASH AT END OF PERIOD	5,300