[To Parent Directory]10/31/2001 9:02 AM 550 HRS_480B-1.htm10/31/2001 9:02 AM 922 HRS_480B-2.htm10/31/2001 9:02 AM 449 HRS_480B-3.htm10/31/2001 9:02 AM 472 HRS_480B.htm10/31/2001 9:02 AM 460 HRS_480B_-_ANNO.htm