text_combined: latest draft vince added lot material fill wholes would like reaction current draft still happy risk management segment primarily result lack knowledge please read carefully get comments plan let chew editor take look give us guidance toward successful draft hope great day tremendous start new year friend john p really enjoyed papers definitely part class risk management enron _ paper _ 1 _ 11 _ 01 doc john martin carr p collins chair finance finance department baylor university po box 98004 waco tx 76798 254 710 4473 office 254 710 1092 fax j _ martin baylor edu web http hsb baylor edu html martinj home html