                      PERSONAL YEAR INTRODUCTION

   The Personal Year is a projection of several factors that will
influence an individual during a given year.  The Universal Year is
the Calendar Year and its influence is the same for everyone.  It is a
general overview of what may be expected for that year.  The Personal
Year Combines the Universal Year with the individuals Birth Day and
Month to give an overview of what the individual may expect during the
year.  In addition one letter of each name will be In transit during the
personal year.  These Letter taken individually provide valuable
insight to health factors, finances, social activities and more; added
together, they will provide an overview of their influence.  The
current CYCLE, CHALLENGE, and HIGHPOINT are also taken into
consideration individually and combined for yet further insight.
Combining these factors will provide a general outcome for the year in
question.  It should be remembered that the individual, as always,
will direct these influences in either a positive or negative manner;
therefore, the years outcome rests with the individual.  This
projection can only provide insight as to what may be expected and is
intended to be used as a guide for the given year.  Your personal
guide now unfolds before you, use it wisely.

