<TABLE class=tdbg height="100%" cellSpacing=0 cellPadding=0 width="100%" align=center valign="top">Age Factor <TD style="FONT-SIZE: 10pt; LINE-HEIGHT: 140%; FONT-FAMILY: Verdana" vAlign=top colSpan=2>Joe is a lively 75 year old widower. He is also very rich. One day, he turns up at the to meet some of his friends and he has a gorgeous young redhead on his arm. She has sex appeal in plenty and listens to Joe’s every word with great attention. All his friends think she is as sexy a lady as they have seen for years. When she excuses herself to go to the ladies, Joe’s friends rush over to him. "Joe, how did you manage to get such a lovely girlfriend?" they ask. "Girlfriend?" says Joe looking upset, "what do you mean girlfriend? She is my wife." They were shocked. "So how did you persuade her to marry you?" "I lied about my age," Joe replies. "Don’t tell us that you told she that you were only 50?" "Of course not," smiles Joe, "I told her I was 90."