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                        UTU NEWS                    
                     ONLINE EDITION                 
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                      OCTOBER 2001
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      -----------PROGRESS THROUGH UNITY-----------
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    A Service of the United Transportation Union
            Public Relations Department

                Byron A. Boyd, Jr.
             International President
                        ---
                Daniel E. Johnson III
    International General Secretary & Treasurer
                        

                 Editorial Offices:
                      UTU NEWS
                 14600 Detroit Ave.
              Cleveland, OH 44107-4250
                   (216) 228-9400
                  utunews@utu.org
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                      WELCOME TO
           THE VOICE OF TRANSPORTATION LABOR
   "At the very time that the memberships of the UTU and 
the BLE should be coming together through merger, our 
diligent efforts have been thwarted once again."

--UTU INTERNATIONAL PRESIDENT BYRON A. BOYD, JR.
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TABLE OF CONTENTS
--The UTU NEWS On-Line Edition takes advantage of the 
search-and-find features in your word processing 
software or on-line editor. For example, to see what 
U.S. National Legislative Director James M. 
Brunkenhoefer thinks about pending fatigue legislation 
("No simple solutions to fatigue problem"), have your 
word processing software or on-line editor search for 
the text ##O.

IN THIS EDITION
--UTU seeks election on KCS; merger vote halted ....##A
--UTU, BNSF in safety deal .......................##B
--Retirement bill on hold, for now .................##C
--First contract signed on NBECR .................##D
--ValueOptions website offers free advice ..........##E
--UTU to assist families of fallen heroes ........##F
--Brass Lantern awarded to caboose modeler .........##G

AROUND THE UTU
--News from around the U.S. and Canada ...........##H

MEMBERSHIP PROFILE
--Member wins trip to national bus roadeo ..........##I

STATE WATCH
--News from UTU State Legislative Boards .........##J

BUS DEPT. / STREET BEAT
--"Make every day a special occasion" ..............##K
   Editorial by Bernard J. McNelis
   Vice President, Director of UTU Bus Department

EDITORIALS
--Pledge allegiance to the flag ..................##L
--"BLE dissidents will not thwart this merger" .....##M
   Editorial by Byron A. Boyd, Jr.
   UTU International President
--"Diversity, tolerance make U.S. great" .........##N
   Editorial by James M. Brunkenhoefer
   UTU National Legislative Director
--"If not now, when? Wake-up call for America" .....##O
   Guest editorial by Daniel W. Collins, Sr.
   Retired former UTU Ass't GS&T
--"Can it happen to you? .........................##P
   Guest editorial by David Moorhouse
   GS&T, Local 1778, N. Vancouver, B.C.
--Voices: Members share their opinions .............##Q

FEATURE
--Dedicated members respond in attack crisis .....##R

SENIOR NEWS
--Med insurance facts pave way to retirement .......##S
--Red Arrow retirees a vanishing species .........##T
--In Memoriam: Pannell, Morelli pass away ..........##U
--The Final Call .................................##V

TPEL HONOR ROLL
--Contributors' growing support recognized .........##W

NOTICES
--Monthly winner announced .......................##X
--List of Employee Benefit Providers ...............##Y
--Panama Canal cruise set for March 6-16, 2002 ...##Z
--UTUIA helps when tragedy strikes ................##AA

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IN THIS EDITION

--UTU seeks election on KCS; merger vote halted ....##A

   CLEVELAND, Ohio -- Heeding the overwhelming will of 
its members that the United Transportation Union and the 
Brotherhood of Locomotive Engineers (BLE) merge into a 
single, strong and progressive new voice of 
transportation labor, the UTU on Sept. 18 asked the 
National Mediation Board (NMB) to order a winner-take-
all representation election between the UTU and the BLE 
on the Kansas City Southern Railway (KCS).

   The UTU took this action after a U.S. District Court 
in Ohio granted three dissident BLE officers a 
preliminary injunction to halt the proposed merger by 
impounding ballots that had been cast. UTU International 
officers said the KCS representation election can and 
will be held without any disruption to rail service and 
absolutely no interference with the national effort to 
wage a war on terrorism. UTU and BLE members already 
have pledged to do everything to move the freight 
critical to this nation's war effort.

   As of Sept. 21, the NMB had not acted on the UTU 
petition for a representation election on the KCS, but 
UTU officials expect that the election will be ordered. 
The UTU website at http://www.utu.org will post 
information from the NMB immediately as it becomes 
available.

   The NMB did instruct the KCS to provide it  with an 
alphabetized list of potential eligible voters, their 
employee identification numbers, job titles, duty 
stations and signature samples. Employees in train and 
engine service on the KCS with an employment date of 
Sept. 19, 2001, or earlier will be eligible to vote in a 
representation election monitored by the NMB. The policy 
of the NMB is to order a representation election when a 
majority of a craft or class of workers on a railroad 
requests such an election.

   UTU International President Byron A. Boyd, Jr., said 
actions by the BLE gave him no choice but to seek the 
representation election on the KCS, where "an 
overwhelming majority of operating employees previously 
requested that election in writing. At the very time 
that the memberships of the UTU and the BLE should be 
coming together through merger, our diligent efforts 
have been thwarted once again," Boyd said. "On Sept. 17, 
three dissident BLE officers, at odds with their own 
national leaders, obtained a preliminary injunction from 
a federal district court in Cleveland to impound the BLE 
ballots cast in the UTU-BLE merger vote. I believe the 
majority of the voting members of the UTU and the BLE 
have voted to approve this merger. We cannot let their 
desires go unheeded.  For several years our rank-and-
file has been telling us to accomplish this merger."

   Boyd said, "The will of the members of both the UTU 
and the BLE was thwarted by the court action. This 
merger vote was agreed to by the elected leaderships of 
both unions after a substantial majority of UTU and BLE 
members indicated they wanted a single operating-
employees' union to match the bargaining strength of a 
rail industry which has seen more than three dozen major 
railroads merge into just six mega-systems. The UTU met 
every demand of the BLE for a merger vote," Boyd said. 
"We structured the merger so that BLE dues would be 
reduced and so that the BLE heritage would be preserved. 
Now that the BLE ballots have been impounded, UTU has no 
real choice other than to pursue a parallel action at 
the NMB to ensure that the nation's operating employees 
on the railroads have the opportunity to choose unified 
representation."

   The winner-take-all representation election on the 
KCS will be followed by winner-take-all representation 
elections on the Union Pacific, CSX and every other 
major carrier, Boyd said. When a previous UTU-BLE merger 
effort broke down in 1999, the UTU sought and won 
winner-take-all representation elections on three 
smaller railroads: the Manufacturers Railway Co., the 
Paducah & Louisville Railway Co., and the Terminal 
Railroad Association of St. Louis.

   The BLE filed for a representation election for 
engineers only on the Texas-Mexican Railway in 1999. The 
UTU had the contract for both engineers and trainmen on 
the Tex-Mex. The NMB dismissed the BLE application, 
ruling that a single craft and class of train and engine 
service employees existed, and that was the basis of the 
NMB's decision to order representation elections on the 
Manufacturers, the P&L and the TRRA.

A SINGLE LINE OF PROGESSION
   In ordering the representation election on the TRRA, 
the NMB ruled that modern practices had blurred historic 
craft distinctions.  The NMB recognized that there has 
developed a single line of progression from trainman to 
engineer. Cross-utilization frequently occurs as 
engineers flow back to brakeman and conductor jobs when 
demand for engineers ebbs, but return to engineer slots 
when demand increases. Since brakemen are now required 
to accept promotion to conductor, and trainmen to 
engineer, historic craft lines have become blurred. And, 
since the elimination of cabooses that began 20 years 
ago, brakemen, conductors and engineers now share the 
locomotive cab.

   When the UTU was formed in 1969, the BLE declined to 
become a part of that merger.  In 1975, then-UTU 
President Al Chesser said that the American labor 
movement should adopt "unity of purpose as its No. 1 
goal."

   As dozens of railroads merged, slashed their 
workforces by more than half, instituted harsh 
attendance and discipline policies and demanded 
concession after concession from employees, the cost of 
protecting employees escalated and the rank-and-file of 
both unions recognized the need for a stronger, united 
front.

   Merger talks were held again in 1993, and in 1999 a 
UTU-BLE merger agreement was reached after five 
committees formulated a 28-point document recommending 
the two unions move toward merger.

   BLE dissidents derailed that agreement through a 
recall of BLE President Clarence Monin. That is when the 
UTU moved forward with representation elections.

   Initially, the NMB asked three arbitrators to decide 
whether a representation election should be held on the 
Union Pacific. The arbitrators declined to order that 
election and the NMB accepted that arbitration award.

   But, when the NMB itself considered the requests for 
representation elections on the Manufacturers, the P&L 
and the TRRA, the NMB concluded that the representation 
elections be held.

   The majority of the rank-and-file voted in those 
winner-take-all elections to be represented by the UTU.

   As a substantial majority of train and engine service 
employees on the KCS were signing authorization cards to 
hold a winner-take-all representation election on that 
railroad, the BLE restarted merger talks.

   In June of 2001, Monin's successor, Edward Dubroski, 
reached a new merger agreement with the UTU and a 
majority of BLE international officers approved sending 
that merger agreement to the rank-and-file for 
ratification.  Dubroski said he voted in favor of the 
merger.  Then the three BLE dissident officers filed 
their lawsuit and a federal district court judge in 
Cleveland issued a preliminary injunction to impound the 
BLE ballots cast.  That is when the UTU sent the "A" 
cards to the NMB with the request for the representation 
election on the KCS.



--UTU, BNSF in safety deal .......................##B

   CLEVELAND, Ohio, and FORT WORTH, Texas -- A 
collaborative effort to prevent workplace injuries by 
challenging and changing traditional employee/management 
relationships has been launched by the Burlington 
Northern and Santa Fe Railway Company (BNSF) and the 
United Transportation Union.

   New employee safety rules and policies will be 
developed and implemented through collective bargaining 
on a region-by-region basis across the railroad. These 
rules and policies also are intended to improve working 
conditions, enhance the quality of rail service and 
permit a mutually acceptable procedure for introduction 
of new technologies.

   "The customary roles of a manager and employee in the 
railroad industrial setting were defined more than a 
century ago and remain basically adversarial in nature 
and require modernization," UTU International Vice 
President Rick Marceau said. "We have agreed to 
recognize first that safety, productivity and quality of 
life on the job are inexorably intertwined and that 
staffing, training, work/rest scheduling, attendance 
requirements, rules and operating practices all have a 
bearing on safety in general and human-factor failures 
specifically."

   "This framework will, for the first time, truly allow 
all of us to concentrate on injury and accident 
prevention," said M. David Dealy, BNSF's vice president 
for transportation. 

   "This is a win-win for both parties. More focus on 
the upstream drivers and root causes will generate 
immediate and continuous improvement.

   "The UTU's visionary leadership and commitment will 
add a tremendous amount of leverage to our current 
safety efforts."

   BNSF and the UTU will empower regional safety 
representatives to assure that new procedures are being 
implemented and interpreted uniformly and as intended by 
negotiators. Local safety forums will monitor work 
practices and seek to correct safety hazards promptly 
rather than through the archaic reporting, cataloguing 
and investigative process.

   Workplace coaching, counseling and retraining are 
intended to replace the existing discipline process for 
non-repetitive and non-serious safety-rules violations. 
"It is intended that imposing discipline on injured 
employees be severely restricted," Marceau said.

   BNSF President and Chief Executive Officer Matthew K. 
Rose and UTU International President Byron A. Boyd, Jr., 
jointly recognized Dealy and Marceau for their efforts 
in leading the negotiating teams.



--Retirement bill on hold, for now .................##C

   WASHINGTON, D.C. -- UTU members and other supporters 
of the Railroad Retirement and Survivors' Improvement 
Act of 2001 (H.R. 4844 and S. 697) are being asked to 
temporarily suspend their efforts and stop trying to 
reach their senators to urge support for this 
legislation.

   "In the aftermath of the tragic terrorist attacks on 
New York City and Washington, D.C.," UTU National 
Legislative Director James M. Brunkenhoefer said, "and 
due to the current crisis situation gripping our 
capital, we are asking supporters of the Railroad 
Retirement legislation to wait until matters of national 
security are sorted out by our lawmakers before 
proceeding with this campaign."

   Brunkenhoefer said that temporarily postponing the 
pressure on the Senate would allow lawmakers to 
concentrate on the urgent matters related to the 
terrorist attack.

   "This is only a temporary situation," Brunkenhoefer 
said. "Once things have been sorted out, we will offer 
instructions on how backers of the legislation should 
proceed. Instructions on how supporters can further 
press for passage of this legislation will be issued as 
soon as possible."

   UTU members and others concerned about improving 
Railroad Retirement should access the UTU website 
(http://www.utu.org) periodically for the latest 
information and instructions.

   "Congress will give the appearance of going through 
the motions in dealing with their original agenda while 
they deal with the crisis," Brunkenhoefer said. "In 
actuality, the only thing that they will truly focus on 
is the current crisis. Congress can be expected to be in 
this mode for a few weeks.

   "I can only share with you speculation as to what may 
occur. Congress may move back to their original agenda 
and treat (the interruption) simply as if a delay had 
taken place. Previous expectations were that Congress 
would have adjourned before Thanksgiving after they had 
the budget/appropriations fight.

   "If they return to that schedule, it means that 
Congress will be here well into December.

   "Although there was a possibility that Railroad 
Retirement would be handled as a stand-alone bill, it 
was really expected that it would be part of a major 
omnibus bill passed during the closing days of this 
session.

   "The other feeling is that there would be a 
bipartisan summit involving the leaders of the House, 
Senate and the White House who would quickly settle all 
pending issues and adjourn much earlier.

   "It is impossible for the coalition to have a game 
plan for our issue without knowing what Congress's 
overall agenda is and where our program would fit.

   "We cannot give you any more guidance than this at 
this time. Quite frankly, no one knows exactly what will 
happen next. As soon as we have more information, we 
will notify you. Do not think that the legislation is 
dead; it is only the schedule that has changed.

   "As crazy as it sounds, the legislation could either 
move much sooner or move much later," Brunkenhoefer 
said.



--First contract signed on NBECR .................##D

   OTTAWA, Ont. -- Employees of the New Brunswick East 
Coast Railway (NEBCR) represented by the United 
Transportation Union have put together their first 
contract with the carrier, according to UTU General 
Chairperson Rex Beatty. The agreement covers about 30 
rail traffic controllers and customer service agents, 
said Beatty, who noted the three-year agreement runs 
through December 31, 2003.

   "Local union members and leaders have worked hard to 
build a union and win a first contract," Beatty says. 
"This is a good agreement."

   The agreement, which is subject to a membership 
ratification vote, includes a 2% wage increase each 
year, retroactive to January 1, 2001; an additional $750 
lump-sum payment; a comprehensive benefits package 
including dental care; material change protection, and 
profit sharing.

   Employees of the NBECR formed UTU Local 1547 in 
Moncton, N.B., on Jan. 26, 2001, and are represented by 
General Committee of Adjustment GO-105.



--ValueOptions website offers free advice ..........##E

   CLEVELAND, Ohio -- To provide additional support 
during the recent terrorist attacks, ValueOptions is 
making its Achieve Solutions website available for all 
customers at no cost until mid-November.

   The site is designed to be a resource for tools and 
information for employees and their families in response 
to this disaster. Specific information on coping with 
disaster comes from reputable sources such as the 
Federal Emergency Management Agency. In addition, 
information from topical experts in the field is also 
available on clinical topics such acute stress disorder, 
post-traumatic stress disorder, and grief and loss.

   Over the next several weeks, the site will be updated 
to address the changing needs of its visitors. The 
website address is 
<http://www.achievesolutions.net/guest>.



--UTU to assist families of fallen heroes ........##F

Dear Brothers and Sisters:

   In the aftermath of the World Trade Center and 
Pentagon tragedies, the families of our fallen brothers 
and sisters should not have to worry about their futures 
because the wage earner is missing.

   The International Association of Fire Fighters has 
established the New York Firefighters 9-11 Disaster 
Relief Fund and the International Union of Police 
Associations is sponsoring the PBA Widows and Children's 
Fund. The monies donated to these funds will be 
distributed directly to the families of our fallen 
brothers and sisters.

   Consistent with the Constitution, individual UTU 
locals can donate up to $600 by action of the local; a 
larger donation requires a referendum vote of the 
members. Donations may be made by general committees of 
adjustment and legislative boards from their advance 
funds if approval is obtained from committee or board 
members.

   Contributions from individual members will also be 
accepted.

   Donations can be forwarded to Daniel E. Johnson, 
General Secretary and Treasurer at 14600 Detroit Avenue, 
Cleveland, Ohio 44107, who will ensure the donations are 
promptly forwarded to the appropriate funds.

   Please made checks payable to the "New York 
Firefighters 9-11 Disaster Relief Fund" or the "PBA 
Widows and Children's Fund."

   The UTU International has already made a generous 
contribution and we appreciate the generosity of our UTU 
Canadian brothers and sisters for their generous 
donation.

Fraternally yours,
Byron A. Boyd, Jr.
International President



--Brass Lantern awarded to caboose modeler .........##G

   The winner of the 2001 UTU Brass Lantern Award is 
Howard Smith of Grove City, Ohio.

   The UTU Brass Lantern Award is given each year to the 
builder of the best model caboose at the National Model 
Railroad Association's (NMRA) annual convention. It is 
one of the union's highest honors.

   Smith, 61, is a mechanical engineer for a company 
that makes surveillance equipment. He is married with 
two children.

   He has been interested in model building since a 
child and has built hundreds of models over the years, 
the vast majority railroad models. He has attended the 
NMRA's convention many times, but this was his first 
submission at the national level. He beat out nine 
competitors.

   The winning model is a 1930s Baltimore & Ohio 
Railroad Class I5 wooden caboose in the 1/87th HO scale. 
It was built in 1977 from an article written in Model 
Railroader magazine in 1960.

   Virtually everything on the model, except trucks, 
wheels and couplers, was crafted from scratch. The model 
took about three months to build. The roof comes off to 
reveal bunks, storage lockers, a stove and sink, a coal 
bucket, even the mirror on the wall.

   "I appreciate receiving the UTU Brass Lantern Award," 
Smith said. "Over the years I have watched other people 
win it. When I walked into that room I had every hope of 
winning it and I am extremely proud of it. To me this is 
the best award I have ever won. It doesn't get any 
better than this. I thank the union very much."



AROUND THE UTU
--News from around the U.S. and Canada ...........##H

LOCAL 369, ST. THOMAS, ONT.
   The local's recent golf tournament drew 76 
participants, some from as far away as Florida, said 
Local President Ronald M. Cleary. Operation RedBlock's 
George Muneio donated golf towels, RedBlock Team Leader 
and CSX Safety Team member Kelly Kirkman donated cash 
prizes, and other prizes were supplied by local 
merchants. The day's winning team included Dave Coleman, 
Kevin Kemmis, Dave Allen and Bill Aberhart, who turned 
in a score of 60. All the members of the second-place 
team were from Ohio, including James Smith, Jessie 
Smith, Larry Siefierd and Dick Warwick. Gord Neely, Jr., 
won a prize for coming closest to the pin, Bill Aberhart 
won the longest-drive award, and everyone enjoyed the 
16-oz. steaks. Gratitude goes to Ken Derrough, Dave 
Coleman, Tom Letang and Bill Robb for their assistance.

LOCAL 577, NORTHLAKE, ILL.
   Perfect weather greeted the members attending the 
local's annual Labor Day picnic, said Local Secretary 
Kenneth J. Larson, who offered his gratitude to the 
local officers, members and legal counsel whose efforts 
made the day a successful and memorable event.

LOCAL 762, MONTGOMERY, ALA.
   The Retired Railroad Employees Club meets at 11 a.m. 
on the first Thursday of the month at Catfish Country, 
5311 US 431, in Wetumpka, Ala., said retiree Harold 
Turner, who noted a new directory is available. All are 
invited to attend the get-togethers, said Turner, who 
can be reached at (334) 284-4426. Also, more information 
can be obtained from J.B. Lindsey at (334) 272-3909.

L-807 & L-1800, TUCSON, ARIZ.
   The annual special meeting hosted by the locals in 
conjunction with UTU Auxiliary Lodge 800 will be held 
Saturday, October 20, at the Holiday Inn Palo Verde, 
with coffee and registration at 8 a.m. and meetings 
commencing at 9 a.m., said Legislative Representative 
Tom Moore. Attending will be those from the Railroad 
Retirement Board, various insurance companies and 
Designated Legal Counsel Lloyd (Chip) Rabb and Jim 
Penny. A barbecue Friday evening and a dinner Saturday 
night will be preceded by hosted cocktail hours. Those 
planning to attend should contact Moore at (520) 622-
6902 or (520) 744-0381. Make reservations by calling the 
hotel at (520) 746-1161.

LOCAL 811, SAN BERNARDINO, CAL.
   The 25th annual retirement dinner will be held 
November 3 at the National Orange Show at 689 S. E 
Street in San Bernardino, said Local President Larry 
Halverson, with cocktails at 5 p.m. and dinner at 7 p.m. 
Tickets cost $30 per person, and checks should be made 
payable to "UTU Local 811" and sent to Halverson at 
20672 Sholic Rd., Apple Valley, CA 92308. Halverson also 
thanked the UTU Auxiliary for donating cash and door 
prizes for the event. For more information, contact 
Halverson at (760) 247-8757.

LOCAL 886, MARQUETTE, MICH.
   The local's annual picnic in late August was not only 
fun but also informative, said Local Chairperson Edward 
Morrison, thanks to the participation of State 
Legislative Director David Brickey, who addressed the 
pending Railroad Retirement legislation, TPEL, the 
upcoming election of 2002 and his participation on the 
Switching Operation Fatality Analysis (SOFA) committee. 
Also on hand was Local 734's (Battle Creek, Mich.) Dave 
Hiatt, who answered questions about the UTU/BLE merger 
vote and UTUIA insurance. Thanks go to Designated Legal 
Counsel Harrington, Thompson, Acker, and Harrington for 
their presence and support.

LOCAL 941, COLUMBUS, GA.
   Members are mourning the loss of Brother Keith 
Forrister, who lost his battle with cancer on the 
evening of September 18. Forrister generously served the 
local for many years as local chairperson and 
legislative representative, said State Legislative 
Director Danny Boyles, who noted that donations to 
assist the family should be sent to his attention at 
P.O. Box 390506, Snellville, GA 30039-0009.

LOCAL 1033, ATLANTA, GA.
   Approximately 50 UTU members, family and friends 
gathered recently to honor and roast Local Chairperson 
Charles "Jaybird" Kirk on the occasion of his 
retirement. Among those attending the event were UTU 
Past International President Thomas DuBose, Vice 
President Roy Boling, CSX General Chairpersons John 
Hancock and Larry Moody, and State Legislative Director 
Danny Boyles, who extended their best wishes to Brother 
Kirk for a long and happy retirement.

LOCAL 1290, CHICAGO, ILL.
   Perfect weather greeted the 350 who attended the 
ninth annual UTU 1290 & BLE Division 131 picnic, held 
last month. Active members and retirees from all crafts, 
along with their families, enjoyed fun activities and a 
menu that boasted deep-fried turkey, bratwurst, chicken, 
hamburgers, hotdogs, corn, salads, fruit, cakes and ice 
cream, said Local President Donald E. Schwieger, who 
offered his gratitude to conductor Ed Mackey, "the 
brain" behind the year-round fundraising that makes the 
event possible. Also thanked for their participation (in 
no special order) were Yaeger, Jungbauer, Barczak & Roe, 
PLC; Sands & Associates; Harrington, Thompson, Acker & 
Harrington, Ltd., and Hoey, Farina & Downes.

LOCAL 1518, INDIANAPOLIS, IND.
   The 22nd annual reunion of Pennsylvania Railroad 
retirees drew 102 participants, who enjoyed the musical 
program and door prizes, said Retiree Program member 
R.L. Brown.

LOCAL 1557, MEMPHIS, TENN.
   Conductor Thomas E. White recently expressed his 
sincere gratitude to engineer J.R. Kimbro of Local 762, 
Montgomery, Ala., who may well have saved his life. The 
two Canadian National/Illinois Central employees were 
recently inspecting a loaded grain train from the ground 
at a siding in Tipton, Tenn., when a derailment caused a 
car to overturn and spill its load of corn, effectively 
burying White. Brother Kimbro immediately went into 
action, helping dig White free of a life-threatening 
predicament.

LOCAL 1882, MINNEAPOLIS, MINN.
   Members are mourning the loss of Brother Kenneth A. 
Jordan, a Soo Line conductor with 32 years of experience 
in the industry, who succumbed on Friday, September 7, 
to an apparent heart attack while on duty. He is 
survived by a wife, three children, a step-daughter, a 
step-son, six grandchildren, four brothers, and two 
sisters.



MEMBERSHIP PROFILE
--Member wins trip to national bus roadeo ..........##I

   When Lynette Farley emerged as the winner of the 
recent Fifth Annual Santa Monica Big Blue Bus Roadeo, 
becoming the first female to take the event's top 
honors, the result startled her.

   "I was very surprised," said the member of Local 
1785, Santa Monica, Cal. "I was just there for the fun 
of it and to be a team player. I wasn't even nervous. I 
just joked with the two judges inside the bus."

   Her relaxed, assured approach will likely serve her 
well in Philadelphia, where her win has secured her a 
spot to compete in the 40-ft.-vehicle division of the 
American Public Transit Association's International Bus 
Roadeo.

   Farley said there were no provisions for practicing 
for the Santa Monica event, but her career preceding the 
competition provided all the rehearsal necessary. Now 
working a straight eight-hour shift six days a week, her 
seven years with the Santa Monica Municipal Bus Lines 
apparently gave her all the practice she needed.

   At one point, she said, she was working split shifts 
seven days a week. For the first two years she was with 
the agency, she had been a part-time worker, but for 
eight years prior to that, she had honed her skills as a 
school bus driver.

   As the event's winner, Farley received a trophy, as 
well as an all-expenses-paid trip for two to 
Philadelphia to compete in the international 
competition, where the top winner receives a trophy, a 
ring, $1,000, and has his or her name engraved on a 
plaque.

   Besides Farley, those who distinguished themselves in 
Santa Monica included fellow members of Local 1785 
Edgardo Yamsuan, who took second-place honors, and Fred 
Williams, who held the top spot for the previous two 
years but this time placed third.

   "I want to congratulate all of this year's 
participants," UTU Alternate Vice President Percival 
Palmer said. "I consider them all winners for showing 
off their skills behind the wheel."



STATE WATCH
--News from UTU State Legislative Boards .........##J

GEORGIA
   During the U.S. Senate's August recess, UTU members 
here visited the office of Sen. Max Cleland (D-Ga.) to 
discuss the importance of the Railroad Retirement and 
Survivors' Improvement Act of 2001, reported Legislative 
Director Danny Boyles.

   Boyles said Cleland serves on the Senate Committee on 
Commerce, Science, and Transportation and the 
subcommittee on Surface Transportation and Merchant 
Marine, which oversees legislation related to Amtrak, 
the Surface Transportation Board, and the Federal 
Railroad Administration, as well as the railroad 
industry and transportation safety.

   "Our talks with the senator were a major success," 
Boyles told UTU NEWS, adding that Cleland has always 
been responsive to issues of concern to the UTU.

   A photograph in the print edition of this month's UTU 
NEWS depicts Local 1261 Secretary/Treasurer and Engineer 
Local Chairperson Don Dysart, Local 1245 Legislative 
Representative and Conductor Local Chairperson John 
Black, UTU Special Representative Keith Trout, and 
Georgia State Legislative Director Danny Boyles with 
U.S. Sen. Max Cleland (D-Ga.) following their meeting.


NEW JERSEY
   The New Jersey Legislative Board has unanimously 
endorsed the candidacy of Woodbridge Mayor James 
McGreevey (D) in the state's upcoming gubernatorial 
election on Nov. 6.

   "The choice for working people in New Jersey is Jim 
McGreevey," said Legislative Director Dan O'Connell. "We 
have had the opportunity to talk with Mayor McGreevey, 
and whether the issue is funding for mass transit, the 
safety concerns of our freight rail members, or fatigue 
in the bus and rail industries, UTU will have someone 
who listens in Gov. McGreevey."

   O'Connell would also like to remind all UTU members 
in New Jersey that the last day to register to vote in 
the general election is Oct. 9, and the last day to 
apply for an absentee ballot is Oct. 30.

   Voter registration forms and absentee ballot 
applications are available through UTU local legislative 
representatives or at the legislative board's Trenton 
office. The office telephone number is (609) 396-1994.

   O'Connell also said that seats in both the General 
Assembly and the state Senate are up for election. "Our 
members need to know that elections have consequences 
and they must be part of the political process," he 
said.


VIRGINIA
   The Executive Board of the Virginia Legislative 
Department has made the following endorsements: Mark 
Warner for governor; Tim Kaine for lieutenant governor; 
Donald McEachin for attorney general. "We aren't telling 
our members how to vote, only to inform them that these 
candidates were endorsed because they have proven 
themselves loyal to our active and retired members' 
needs," State Director Richard Jeskey said.


WASHINGTON, D.C.
   UTU International President Byron A. Boyd, Jr. and 
UTU's Coordinator of Designated Legal Counsel Monte 
Bricker met recently with U.S. Sen. Patty Murray (D-
Wash.), whose committee assignments focus directly on 
the Federal Employers Liability Act (FELA), the Railway 
Labor Act, Railroad Retirement and transportation-
project spending.

A photograph of the three appears in the print edition 
of this month's issue of the UTU NEWS.


WISCONSIN
   Legislative Director Tom Dwyer, on Aug. 27, joined a 
delegation of UTU and BLE members who attended a "town 
hall" listening session hosted by Wisconsin Sen. Russell 
Feingold (D), where the Railroad Retirement and 
Survivor's Improvement Act was a major topic of 
discussion.

   Each of the people in attendance addressed Feingold 
individually on why he should support S. 697, the Senate 
legislation which seeks to improve retirement benefits 
under the Railroad Retirement system.

   Following the meeting, Feingold stated that the group 
had "opened his eyes" to the importance of S. 697 to his 
constituents.

   Both Dwyer and BLE Legislative Board Chairman Keith 
Luebke thanked Feingold for his support and sponsorship 
of S. 250, the High-Speed Rail Investment Act.

   A photograph in the print edition of this month's UTU 
NEWS depicts U.S. Sen. Russell Feingold with UTU and BLE 
members following the town hall meeting in Adams, Wis.



BUS DEPT. / STREET BEAT
--"Make every day a special occasion" ..............##K
   Editorial by Bernard J. McNelis
   Vice President, Director of UTU Bus Department

   A member sent me the following in an e-mail and I 
would like to pass it on:

   "Today we have higher buildings and wider highways, 
but shorter tempers and narrower points of view. We 
spend more, but enjoy less. We have bigger houses, but 
smaller families. We have more compromises, but less 
judgment. We have more medicines, but less health. We 
have multiplied our possessions, but reduced our values. 
We talk much, we love only a little and we hate too 
much. We reached the moon and came back but we find it 
troublesome to cross our own street and meet our 
neighbors. We have higher incomes, but fewer morals. 
These are times of more liberty, but less joy. We have 
much more food, but less nutrition. These are days in 
which it takes two salaries for each home, but divorces 
increase. These are times of finer houses, but more 
broken homes.

   "That is why I propose, as of today, you do not keep 
anything for a special occasion, because every day is a 
special occasion. Spend more time with family and 
friends. Life is a chain of moments of enjoyment, not 
only about survival. Let us write that letter we thought 
of writing 'one of these days.' Let us tell our families 
and friends how much we love them. Every day, every hour 
and every minute is special and you do not know if it 
will be your last."

   What happened on September 11, 2001, should cause us 
to pause and realize the importance of life and why the 
above is appropriate. Make some time to do those things 
addressed in the message above and maybe make a 
difference in someone's life.

   Let us never forget those who died on September 11, 
2001.



EDITORIALS

--Pledge allegiance to the flag ..................##L

   The tragic events of September 11 have stirred a new 
patriotic movement across the country, the likes of 
which our nation has not seen in many years.

   Our glorious stars and stripes seem to grace nearly 
every home, storefront, automobile and telephone pole 
from "sea to shining sea," and it is a wonderful sight. 
As has been reported by many in the media, it is 
difficult to find a store in the land that still has 
American flags on its shelves.

   Unfortunately, it took the heartbreaking horror of 
last month's terrorist actions to rekindle America's 
love for the red, white and blue.

   While our passion for this beloved symbol of our 
nation still burns brightly, we should each take a 
moment to reflect on what that flag represents.

   As children, we all pledged "allegiance, to the flag, 
of the United States of America. And to the republic, 
for which it stands; one nation, under God, indivisible, 
with liberty and justice for all."

   As incidents of violence and ill-will against Arab-
Americans and other ethnic groups continue to be 
reported in the media, each of us needs to remember just 
exactly what we pledged to that great flag: that we 
would be a nation indivisible, with liberty and justice 
for all. Violence or intimidation against a group or an 
individual, simply because they are different, violates 
everything our flag represents.

   On September 11, President Bush's first statement to 
the nation was that "Freedom itself was attacked this 
morning...and freedom will be defended." Let's make sure 
that freedom is defended, not only from forces outside 
our country, but within our communities as well.

   While the forces of evil tried to divide us as a 
nation last month, and will likely try again, let's show 
the world that we practice what we preach.

   We must be united, both as a nation and an 
organization. After all, it's in our names.

   God bless America.



--"BLE dissidents will not thwart this merger" .....##M
   Editorial by Byron A. Boyd, Jr.
   UTU International President

   If there is one thing that each and every member of 
the UTU and the BLE can agree upon, it is that the 
dozens of railroad mergers we have seen over the past 
two decades have made the carriers stronger financially 
and, especially, stronger at the bargaining table. That 
strength, coupled with support from their conservative 
friends in Congress, has emboldened rail executives to 
demand more and more concessions from workers while 
rewarding themselves with cash bonuses and higher 
salaries.

   Major railroads have slashed their workforces in half 
since 1980 and many have stepped up intimidation of the 
workforce through harsh attendance policies and 
arbitrary imposition of discipline.  There is only one 
way to restore balance. It is by increasing union 
strength at the bargaining table. As each of us knows, 
in union there is strength. But union strength cannot 
match that of the carriers when two unions, representing 
workers performing similar tasks, are divided against a 
unified railroad industry.

   In Chapter 3 of the Book of St. Mark we are told at 
paragraph 25, "And if a house be divided against itself, 
that house cannot stand."  Yes, there is strength in 
union and when we all stand united in support of a 
living wage, health-care benefits, job-place dignity and 
quality of life, we all stand proud, strong and 
unbending.

   Strength through unity is why rail workers organized 
into protective societies more than a century ago. It is 
why Eugene Debs preached a single railroad union. It is 
why a majority of UTU and BLE members long have favored 
merger. It also is why a majority of UTU and BLE members 
were voting "yes" on the proposed UTU-BLE merger.

   But, three dissident BLE officers put a stop to that 
democratic process by filing suit in federal court and 
gaining a preliminary injunction to impound the ballots. 
That is what happened in Florida last November when the 
presidential election was stolen from Al Gore and that 
is how some BLE dissidents are attempting to game the 
results of this merger vote.

   Brothers and sisters, the UTU would be breaking faith 
with its forebearers, breaking faith with Eugene Debs 
and breaking faith with a majority of UTU and BLE 
members if it allowed BLE dissident officers to thwart 
the will of their own leadership and of their own rank-
and-file and disrupt an orderly, democratic and 
necessary march toward the merger of our two great 
unions.

   So that we don't break faith and so that we don't 
allow this election to be stolen, we are taking a 
parallel action to ensure that the will of the rank-and-
file is not thwarted. If the issues in the court are 
resolved and the ballots as they were cast are counted, 
the merger will go forward.

   But if the dissident BLE officers succeed in 
impounding the ballots permanently for what appears the 
sole purpose of renegotiating the merger agreement, then 
we shall continue moving forward with our second action, 
which is to force a winner-take-all representation vote, 
carrier by carrier, starting with the Kansas City 
Southern Railway (KCS).

   We cannot and will not permit BLE dissident officers 
(and maybe even some misguided current BLE international 
officers) to steal this election in hopes of gaining 
leverage to renegotiate what already was negotiated - a 
good-faith agreement between the elected leaderships of 
both unions that the question of merger be submitted to 
the rank-and-file for determination.

   I only wish I knew what the BLE is up to. A BLE 
international officer called me and indicated that the 
court suit was an attempt to gain leverage to 
renegotiate the merger agreement. But, as of Sept. 21, 
it was more than two weeks since I have heard from the 
top three BLE leaders.

   Merger between our two great unions is not a sudden 
whim.  When we formed the UTU in 1969, we discussed 
merger with the BLE, but it declined to join us. We 
subsequently grew to become the largest, strongest and 
most progressive of rail labor unions.

    But, as carriers merged and grew stronger, they 
became emboldened. In flexing their increased muscle 
against workers, they began playing the BLE off against 
the UTU. It's called a race to the bottom, whereby the 
carrier entices each union, on the promise of some small 
favor, to undermine the rights of members of the other 
union. The UTU does not participate in a race to the 
bottom.

   But, each time we have discussed merger with the BLE, 
a small minority with a different agenda has derailed 
the process. In this most recent attempt at merger, the 
UTU met every demand of the BLE for a merger vote. We 
structured the merger so that BLE dues would be reduced 
and so that the BLE heritage would be preserved.

   Now that the ballots have been impounded, UTU has no 
real choice other than to pursue a parallel action at 
the National Mediation Board to ensure that the nation's 
operating employees on the railroads have the 
opportunity to choose unified representation. That is 
why we filed for a representation election on the KCS.

   In these uncertain times, with powerful Wall Street 
investors and rail managers clamoring the need for 
higher profits, dividends and wages, the unions 
representing those employees who keep America moving 
must protect the interests of those workers in a 
constructive way.

   As Eugene Debs said, we must "end the battles of 
craft against craft and working man against working man. 
The combined strength of operating men (and women) gives 
better representation through legislation and 
negotiation."

   That is what a UTU-BLE merger is all about.

   We are not going to let a handful of misguided 
dissident BLE officers thwart that essential objective.



--"Diversity, tolerance make U.S. great" .........##N
   Editorial by James M. Brunkenhoefer
   UTU National Legislative Director

   September 11, 2001. 9-11 as it will be called for 
generations to come.  Unspeakable horror etched forever 
in our minds. The finger of blame seems to be pointing 
at Osama bin Laden, a member of a small, Muslim sect at 
war with the West and an overwhelming majority of his 
own religion.

   If there ever was a symbol of someone who had no 
respect for tolerance and diversity, it is Osama bin 
Laden. Yes, tolerance and diversity. It was the theme of 
our regional meetings this year and the underpinnings of 
every great society.

   Let me relate my own experience with the importance 
of tolerance and diversity. Many years ago, when I was 
living in Houston, my Local 83 elected as its president 
Zahid Mahmood, a Pakistani and devout Muslim.

   Zahid earned the wrath of many in his homeland 
because he had the courage to stand up for human rights 
and democracy against an authoritarian government that 
respected neither.

   Zahid escaped from the darkness of intolerance in 
Pakistan. He came to America, as tens of millions of our 
own ancestors, in search of the American dream.

   Zahid succeeded, despite his cultural differences, 
because he worked hard at the job, hard at becoming an 
American and hard at displaying tolerance.

   Zahid's culture, religion, preferred foods and even 
language were those of Osama bin Laden. But that is 
where the similarities ended. Zahid believed in open 
debate, democracy, fairness and, wherever possible, the 
peaceful resolution of problems.

   The lesson to be learned is that there are Muslims 
who are American citizens and are just as patriotic as 
you and me. If we are to overcome the evil of those like 
Osama bin Ladin, America must have, in addition to a 
powerful military, citizens and leaders with the 
qualities of Zahid.

   We must recognize, respect and promote the theme of 
our regional meetings - diversity and tolerance toward 
each other. In fact, this past week has brought out the 
best face of union members -  a face that truly makes 
these United States of America so great.

   Witness the hundreds of New York City policemen and 
firemen who selflessly and, in the face of unprecedented 
horror and danger, raced to the World Trade Center, only 
to perish trying to save their fellow human beings.

   You can be certain the police and fire fighters never 
asked, "Who are they? What is their religion? Where are 
they from? What is their color?"  All they needed to 
know is that other human beings needed assistance.

   Now there are the building trades employees laboring 
almost beyond human endurance to locate victims and get 
lower Manhattan and the Pentagon back to normal.

   And, we cannot forget the emergency responders and 
nurses working round the clock dispensing medical 
assistance to all who require it without regard to 
anything except their need for help.

   Thanks to the efforts of our own members on Amtrak, 
PATH and behind the wheels of buses, life in New York is 
becoming a little more tolerable for the diverse 
population that calls New York City their residence or 
working address.

   Diversity and tolerance. It is what makes America 
great.



--"If not now, when? Wake-up call for America" .....##O
   Guest editorial by Daniel W. Collins, Sr.
   Retired former UTU Ass't GS&T

   The terrorist killing of the innocent in New York 
City and Washington, D.C., and in the fields near 
Pittsburgh, Pa., serves as a much-needed wake-up call to 
all of us. Among other things, its aftermath should 
alert us to the fact that our railroads must be rebuilt 
to serve as a safety net for our people.

   For more than 30 years, I have written about and 
pleaded with our lawmakers and other leaders over the 
need to restructure and revitalize our national system 
of railroads, including Amtrak. The answer I received 
was that the country really needed more and better 
highways and airways.

   For far too many years, the United States has 
remained near the bottom of the world's totem pole in 
per capita investment in passenger trains. To continue 
this neglect now, and to continue pursuing this short-
sighted investment policy in passenger trains and 
infrastructure, is to place our nation and our people at 
risk.

   We now know that our nation's priorities have been 
dead wrong. Our leaders' tunnel vision in support of 
their politically favored modes of transport can only 
lead to gridlock. The planned shrinkage of our rail 
plant through mega-mergers of railroads must end, and 
the misdirected attempts to privatize our one and only 
system of passenger trains must be stopped - now!

   The tragic deaths of our people at the hands of 
terrorists requires that we get prepared to meet any and 
every challenge to our national security, wherever and 
whenever it comes. We must prepare for the defense of 
our beliefs and our country, and for a worldwide war 
against terrorism. To do so, our Congressional leaders 
and the Departments of Defense and Transportation must 
develop a plan to coordinate and integrate the 
activities of all segments of our transportation system.

   Once again, our railroads will be called upon to 
function as the hub of our system. Unless they are 
rebuilt to undertake this lead role, our highways and 
airways will come up short in meeting our traveling and 
defense needs.

   And yet, a Congress that authorizes a $35-billion 
investment in highways and a $15-billion investment in 
the air traffic system has the audacity to demand that 
Amtrak, alone amongst our transport modes, become self-
sufficient by the year 2003!

   Common sense dictates that to continue neglecting the 
unmet needs of our railroads by withholding public 
funding is to place our future at risk. We must rebuild 
our railroads so as to meet the demands of moving 
military people and equipment, as well as millions of 
travelers.

   And if not now, when?



--"Can it happen to you? .........................##P
   Guest editorial by David Moorhouse
   GS&T, Local 1778, N. Vancouver, B.C.

The following is a partial sampling of the accounts 
Local 1778 Secretary and Treasurer David Moorhouse is 
compiling with the help of rail union members across 
North America and making available through the website 
shared by his local and Local 1923 (Prince George, 
B.C.). Access the website at <http://www.utubc.com>, and 
send further accounts via e-mail to utu@telus.net.
-----

   If something happened while you were riding the end 
of a rail car, where would you go? What would you do? 
What are the consequences of riding the end of a moving 
car?

   We are tempted because a boxcar or bulkhead crossover 
step, tank car or sulfur car platform, or the inside 
framework of a hopper car, seems like a natural place to 
ride. It is certainly more comfortable than riding the 
side ladder, particularly on long moves.

   But what if you lost your grip? Could you hang on if 
the slack ran out? Where would you go if the car you 
were riding derailed or collided with something?

   Consider these real-life examples of injury or death 
resulting from riding the end of a moving car.

   The following three accounts were related by UTU 
Strategic Planner and Special Representative Steven 
Keene of Local 568, London, Ont.:

   In Ontario, Brother Bill Mercer was killed while 
riding on the point of 22 gondolas in a reverse 
movement. It's unclear whether he was riding in the side 
stirrup or on the small platform at the front. He was 
run over by all 22 cars in addition to the three 
locomotives.

   In Quebec, Brother Richard Labre was killed while on 
duty. Prior to his death, he was observed sitting on the 
platform of a container car, leading end, with his legs 
stretched out on the drawbar.

   Another individual from London, Ont., lost both legs 
after falling off the front of a flat car on the lead of 
the movement.

   There is little doubt slack action was a contributing 
factor in each of these incidents, as well as the 
obvious factor inherent in riding so positioned so as to 
have nowhere to go, if the individual's stability is 
compromised, but under the equipment.

   According to retired former Ontario Legislative Board 
Chairperson Dennis Schweitzer of Local 472, Windsor, 
Ont., a member of UTU Local 416 in Toronto was riding 
the leading end of a gondola car at the Ford Motor 
Company at Oakville, Ont. He was believed to be standing 
on the knuckle when, going over a crossing in the plant, 
he was struck by a truck and killed.

   UTU International Vice President Guy Scarrow 
contributed an account of an incident that occurred in 
the summer of 1983 in Oshawa, Ont. A senior yard foreman 
was riding on the leading edge of a car and had placed 
his foot in the area of the knuckle and cushioned draw 
bar after the movement had stopped. The slack adjusted 
while standing still and his foot was crushed. He 
eventually lost some toes and part of his instep.

   Scott C. Montani, vice president, local chairperson, 
legislative representative and alternate delegate for 
Local 343, Hamilton/Oakville, Ont., cited an example 
from a safety advisory issued recently by Canadian 
National Railways. The advisory was issued after an 
employee was injured due to improperly attempting to 
ride on the end platform of a boxcar while standing on 
top of the sliding center sill.

   The advisory cited by Montani said: "After climbing 
onto the boxcar the employee swung around the end of the 
car to the crossover platform. While holding on to the 
handhold, he had one foot on the crossover step and one 
foot resting on the center sill. He then okayed the 
engineman by radio to start to pull ahead.

   "The employee then took his other foot off the 
crossover step and placed it as well on the center sill. 
As the car was being pulled ahead the center sill slid 
forward, pinching the employee's feet under the 
crossover step. This car was equipped with a full 
sliding center sill which could potentially move up to 
20 inches of travel under load.

   "Fortunately the center sill only moved seven or 
eight inches in this instance or the employee's injuries 
would certainly have been far more severe."

   The advisory ended with the following: "All employees 
whose duties involve working on or about moving 
equipment must thoroughly review and be compliant with 
safe work procedures related to riding equipment, found 
in General Operating Instructions Section 8 item 12.4 
page 21."

-----
(Note from Monte Bricker, UTU coordinator of designated 
legal counsel: "We thank our Canadian brother Moorhouse 
for this information. It is a vivid reminder of the 
dangers of our daily work. While our Northern brothers 
and sisters do not have the benefit of the Federal 
Employers' Liability Act, the risks are the same 
wherever you are working. Safety is important on both 
sides of the border.")



--Voices: Members share their opinions .............##Q

Periodically, the UTU NEWS will contact members at 
random to report their thoughts on a question of 
interest to the general membership. This month's 
question:

DO YOU GET SATISFACTION FROM YOUR JOB?

   "I'm a Metra conductor, with 31 years of rail 
experience. I worked for Illinois Central until the 
lines were bought and changed to Metra. I have a good 
job and I'm grateful for it, and when things are going 
well, there's a lot of satisfaction there. But when the 
company signs an agreement and doesn't live up to it, 
that takes away a lot of the job's satisfaction. I've 
also been secretary and treasurer since 1992, and was 
vice local chairperson for trainmen in 1990. We've got 
some issues here and some problems with deadhead pay, 
our 401(k) plan, and overtime pay. When agreements are 
reached, management needs to respect the contract."
   -- THADDAUS WARNER, L-1290, CHICAGO, ILL.

   "I'm a Union Pacific switchman working in the 
Texarkana Yard, and I've been railroading for about 33 
years. I'm also my local's secretary and treasurer, 
legislative representative and delegate. I've held union 
positions since my second year in the industry. I've 
always enjoyed rail work, especially since I get to work 
days and get part of the weekend off, but I don't like 
the way we're treated. If we have an agreement, I 
believe in living up to it. We owe them what we agreed 
to, and they owe us what they agreed to. But I believe 
in the union movement and get a lot of satisfaction from 
being in the thick of things."
   -- JIMMY MINTER, L-733, DeQUEEN, ARK.

   "I'm a Norfolk Southern conductor with 31 years of 
experience, working from Ft. Wayne to Cincinnati. I've 
also been a local chairperson for 20 years or so. Yeah, 
I do enjoy my job. A lot of good people complain about 
going to work, but when the phone rings, I'm ready to 
go. I guess I see the same tracks each day, but I get to 
see different people, and there's something new and 
different about each day. We have a tremendous amount of 
new people working out here, too. I get a lot of 
satisfaction out of the union work, too. I'm one of the 
lucky ones, because I have three assistants who are 
marvelous people."
   -- BILL WAYMIRE, L-1202, FT. WAYNE, IND.

   "I've been a railroader for six years, and I'm 
employed by Canadian Pacific as an engineer in the 
Bensonville Yard. I have pride as an engineer. It's 
something I wanted for a long time. My grandfather was 
an engineer on the Rock Island. I heard stories while 
growing up and always wanted to do this. After a good 
day's work, I really do feel a sense of satisfaction. 
We're lucky to get heat in the winter, and there's no 
air conditioning in the summer, but with two fingers, 
you're in control of 8,000 h.p. pulling 18,000 tons. 
There's something to that. The least-satisfying aspect 
of the job is when management says one thing and does 
another."
   -- STEVE METKEN, L-1433, ELMWOOD PARK, ILL.



FEATURE
--Dedicated members respond in attack crisis .....##R

Although the terrorist attack on New York City's World 
Trade Center Twin Towers brought the city to a halt, 
members of the United Transportation Union kept the 
wheels rolling. While only a few stories are told here, 
hundreds of other UTU members performed their jobs with 
dedication.
-----------------
   When terror struck the City of New York on September 
11, many United Transportation Union members were on the 
job there and witnessed its horror and ugliness first 
hand. Yet they responded to the terrorist attacks on the 
World Trade Center and on freedom with devotion and 
dedicated professionalism.

   Throughout all the danger to which they were exposed, 
UTU members continued to perform their jobs until safe 
passage was provided for the people they transport on a 
daily basis. 

   "We should be proud of their courage and commitment, 
for they are heroes all," said UTU International 
President Byron A. Boyd, Jr. "For 150 years, in peace 
and in war and during the most harsh weather conditions, 
transportation employees have kept the wheels rolling. 
It is a proud tradition that again was upheld," Boyd 
said.

PATH
   UTU general chairperson and PATH conductor Ray Arenas 
was working on a PATH commuter train carrying 800 
passengers when it arrived at a station platform 
directly under the Twin Towers just minutes after the 
first jet slammed into 1 World Trade Center. Neither he 
nor the engineer was aware of what had happened just 
moments earlier.

   As smoke had already reached the tunnel, a police 
officer on board the train told Arenas, "Get us out of 
here." Arenas relayed an identical message to PATH 
trainmasters and was instructed to keep the doors of the 
train closed, passengers inside and to depart the 
station immediately. Assured that no passengers were 
left on the platform, the PATH train departed the 
station.

   Arenas also said that a PATH dispatcher received a 
telephone call from her father, telling her to leave the 
station because an airplane had struck one of the 
towers. "She was told to stay put and she did," he said. 
She did not leave until she was instructed to do so.

   Other UTU members were exposed to the very worst of 
the terrorist attack. Conductor Jeanette Warren, racing 
out from under the burning towers, reached the street 
just as a body fell to the ground directly in front of 
her. As UTU News went to press, she had not yet returned 
to work.

   UTU Vice General Chairperson Thomas Esposito escaped 
from under the complex just as the first tower 
collapsed, witnessing death and carnage all around him. 
"He told me later how horrified he was," Arenas said. 
"He had never seen so many dead bodies."

   Esposito, who was working for PATH when the Trade 
Center complex was bombed in 1993, told Arenas he did 
not know if he could return to the job. "He said 'I 
don't know if I ever want to work for an organization 
that's a target,'" Arenas added.

   Although no PATH employees were physically injured in 
the attack, four are suffering from Post Traumatic 
Stress-including Warren and Esposito-and have removed 
themselves from service.

   "I am extremely proud of all UTU and BLE members," 
said Arenas. "They acted courageously and out of concern 
for our riders' safety." 

   Arenas said that he was grateful for all of the 
assistance his local had received from the UTU 
International. "I was so appreciative of getting calls 
from Brokenrail and other International officers."

   Just days after the attack, UTU Vice President-
Commuter Rail Tony Iannone traveled to New York to meet 
with PATH employees and management. "Ray and I spent two 
days walking and talking and riding with members of all 
crafts and they were glad to see us," Iannone said. "We 
are meeting with them again...and we are going to work 
with the general committee to address this situation."

   "We have established a medical network with a 
psychologist and he is working with us to ensure our 
members get the attention they need," said Iannone. He 
added that PATH Vice General Chairperson Richard Maddox 
is a licensed social worker and is assisting in this 
process.

   Said Arenas: "Tony on the property was very 
reassuring. Our local had never had that type of 
relationship with the International before, and it 
boosted the morale of our members-it really did. We 
spoke with individual conductors and listened to their 
concerns. It had a positive effect on them...and 
provided some sense of security."

SUBURBAN TRANSIT
   Suburban Transit bus operator Charlotte Anderson had 
just dropped off her last passengers in the financial 
district when she was startled by what appeared to be a 
ticker-tape parade.

   "As I turned right onto Church Street, I saw what 
looked like thousands of people running. Then I saw the 
fire and figured the tower was on fire, not knowing the 
first plane had crashed into the tower," she said.

   Fearing the tower might explode, Anderson tried to 
leave the area, but thousands of people and other 
vehicles had snarled traffic. She heard an explosion as 
the second plane crashed into the other tower.

   An hour later, she was only three to four blocks away 
from the Trade Center when the first tower crashed to 
the ground.

   "All traffic had stopped and police were yelling for 
everyone to run to the park for cover. They kept 
yelling, 'Run for cover. Go, go, go!'"

   Anderson left her bus and ran to the park as the 
smoke and dust blanketed the area.

   "Something told me to get back into the bus," she 
said, so she returned. "Then I hear people yelling, 
banging on the door of the bus to let them in. 'Help 
us.' So I let them." There were about 25 or 30 people, 
she said.

   Anderson said everyone was coughing and choking, so 
she shared her only bottle of water. "I asked them, 
please save a little bit. They did...and they all were 
thanking me, saying I saved their lives."

   Anderson said it seemed like "forever" as they waited 
for the smoke and dust to clear.

   "Finally, it was still smoky but (clear) enough to 
see, the Red Cross volunteer on the bus told me to move 
slowly and get us out of here."

   At one point, one of the passengers left the bus and 
came back with a case of bottled water from a nearby 
store. It was after 7 p.m. before Anderson was back at 
the terminal in New Jersey.

   Anderson even drove one of her passengers to his home 
in her own car because it was "on the way."

   "The next day I went back to the terminal around 12 
p.m. or so and drivers (were) coming up to me and 
hugging me and saying, 'Glad you made it.' I cried."

   Anderson said she met with union representative, Rich 
Ellis, and "he could see I was still shook up and said 
he would seek counseling through the company for me."

   Ellis told her to take a few days off and as UTU News 
went to press, Anderson had not returned to work.

ROCKLAND COACHES
   Local 1558 Secretary and Treasurer Mike Byrne was 
driving his bus from Rockland County, New Jersey, over 
the George Washington Bridge when he saw the first tower 
collapse. Though he and his passengers were some eight 
miles away, many wanted to go home.

   When he reached the end of the bridge, there were 
already thousands of people who wanted to return to New 
Jersey from New York.

   Byrne said his bus was stopped at the terminal on the 
New York end of the bridge for a couple of hours until 
it was commandeered by police to transport commuters 
back to New Jersey. It was a duty he obligingly 
performed.

   "I had talked to a supervisor, so I knew they would 
be using my bus," he said. "It felt like it was some 
kind of evacuation. It was just a madhouse."

   Byrne said police escorted people to his bus and 
searched them before they boarded.

   He carried about 60 commuters at a time back to New 
Jersey, putting in a 13-hour day.

   "Believe me, I'm no more a hero than an astronaut," 
he said. "The real heroes are still over there, 
searching through the rubble."

   UTU Bus Vice President Bernie McNelis said he was 
proud of the many UTU members "who took the actions 
necessary to ensure the safety of their passengers."



SENIOR NEWS

--Med insurance facts pave way to retirement .......##S

EARLY RETIREMENT
   If you are thinking about "early" retirement, medical 
insurance for you and your family is something you 
seriously need to consider.

   GA-46000 is the Early Retirement Major Medical 
Expense Benefit Plan available to employees of 
participating railroads and their eligible dependents.

   To be eligible for this plan, the employee must apply 
for an age annuity from the Railroad Retirement Board on 
or after age 61 (age 60 if the pending Railroad 
Retirement Survivors' and Improvement Act of 2001 is 
passed by the Senate and signed into law by President 
Bush), with 30 or more years of service and be covered 
under either the National Health and Welfare Plan (GA-
23000) or the NRC/UTU Health and Welfare Plan when 
applying for retirement.

   This plan covers the employee and any eligible 
dependents up until the time the employee reaches age 65 
and becomes eligible for Medicare. At that time, the 
employee must enroll for Medicare and the dependent 
coverage ends. The dependent can continue coverage under 
COBRA for 18, 29, or 36 months, depending upon the 
circumstances, at their own cost.

   In addition to GA-46000, which provides coverage of 
80% of covered expenses after a $100-calendar-year 
deductible is satisfied, and prescription drug coverage 
similar to that enjoyed by active employees, a 
supplement is available under GA-23111 Plan E.  This 
supplement covers 70% of the expenses not paid under GA-
46000 and has a $200,000 lifetime maximum benefit 
provision.

   For a booklet describing the benefits of GA-46000 and 
GA-23111, along with an enrollment form for Plan E, 
contact United HealthCare at 1-800-842-5252. 
Representatives are available to answer any questions 
regarding benefits and eligibility.

NORMAL RETIREMENT
   If you are nearing age 65, or have worked beyond age 
65 and have not yet applied for Medicare, there are 
certain things you must do to assure uninterrupted 
coverage.

   First, you must apply for Medicare, Parts A & B. This 
can be done at the time you contact the Railroad 
Retirement Board to begin the retirement process, 
usually 60 to 90 days prior to the date you intend to 
stop working. There is a seven-month initial enrollment 
period, starting three months before you turn age 65, 
during which you can enroll without penalty.

   If you do not enroll for Medicare during this seven-
month period, you will have to wait until the next 
general enrollment period (January 1 through March 31) 
to add Part B coverage, and the delayed enrollment could 
cause you to pay more for your coverage.

   Medicare benefits for railroad retirees and their 
dependents are administered by Palmetto in Augusta, Ga. 
To inquire about Medicare claims, you can contact them 
by calling toll-free 1-800-833-4455.

   In addition to Medicare, supplemental benefits are 
available through GA-23111 Plan D and Plan F. Both of 
these plans pay the Medicare Parts A and B deductibles 
in full, as well as 100% of the covered expenses not 
paid by Medicare. Plan D also includes prescription drug 
coverage, but at a higher premium than Plan F.

   You must apply for enrollment in Plan D or F during 
the first four months following the month in which you 
stop working. If you fail to do so within that time, 
enrollment may require "proof of insurability" unless 
you apply during an "open enrollment" period.

   Booklets describing Plan D and Plan F benefits, along 
with enrollment forms, can be obtained by calling United 
HeathCare at 1-800-809-0453. United HealthCare 
representatives will also be able to answer any 
questions you may have about insurance when you retire.



--Red Arrow retirees a vanishing species .........##T

   Ralph R. Quay of Local 1594, Upper Darby, Pa., 
considers himself a member of an endangered species.

   Retired since 1980 and recently marking his 78th 
birthday, Brother Quay was an employee of the former Red 
Arrow Lines, now part of the Southeastern Pennsylvania 
Transportation Authority (SEPTA), and made the last trip 
out of Westchester, Pa., with a trolley car.

   "I never saw so many cameras in my life," Quay said 
of the trip. "After that, I drove a bus, but I preferred 
the trolleys because they steered themselves!"

   Today, about 30 Red Arrow retirees gather each month 
for a luncheon. A mailing list alerts about 160 persons 
to the meetings, but "some of the guys are getting 
tired, and a lot are starting to die off," said Quay.

   Quay began on Red Arrow in September 1946, but also 
worked on the heavy rail equipment of the former 
Philadelphia & Western, making him a triple-threat 
commuter transportation veteran.

   "I've got a binder filled with tokens, passes and 
other memorabilia, and probably 200 pages of things 
related to Red Arrow," Quay said.

   For information about the Red Arrow Retiree 
Association, contact Charles Wilkie by calling (610) 
358-4856, or write to him at 220 Moria Place, Aston, PA 
19014.



--In Memoriam: Pannell, Morelli pass away ..........##U

DILLARD S. PANNELL

   BIRMINGHAM, Ala. - Retired former UTU General 
Chairperson Dillard Steve Pannell, 83, passed away Sat., 
Sept. 15, 2001, at his home in Birmingham after a long 
illness.

   A member of Local 847 in Birmingham, Pannell was one 
of the few surviving members of the 40-person committee 
that laid the groundwork for the creation of the UTU in 
Hot Springs, Ark., in 1969, and formulated the UTU's 
autonomy guarantee. A monument located at UTU Square in 
Hot Springs depicts the committee.

   Pannell began his career as a brakeman on the 
Louisville & Nashville Railroad and joined Lodge 847 of 
the Brotherhood of Railroad Trainmen (BRT) in 1940.

   He served in the U.S. Air Force in World War II, then 
returned to the railroad and joined Division 186 of the 
Order of Railway Conductors and Brakemen in November 
1948. He held various local posts, and was elected 
chairperson of the Southeastern General Chairmen's 
Association.

   Following unification, Pannell worked tirelessly to 
unify the general committees representing L&N trainmen 
and conductors into a single committee, which he served 
until his retirement in July 1982 as associate general 
chairperson.
------------

CARL M. MORELLI

   Carl M. Morelli, a former insurance representative 
for the Brotherhood of Locomotive Firemen and Enginemen 
(BLF&E) and organizer for the UTU, passed away Aug. 22, 
2001, during open-heart surgery. He was 78.

   A member of UTU Local 1038 at Salt Lake City, Utah, 
Brother Morelli began his career as an engineer for the 
Denver & Rio Grande Railroad and joined BLF&E Lodge 670 
in July 1942.

   An Air Force veteran of World War II, Morelli worked 
as an organizer with the UTU from unification in 1969 
until his retirement in 1988.



--The Final Call .................................##V

Following are the names of members of the UTU Retiree 
Program who have died recently, according to reports 
received at the UTU International Headquarters. These 
brothers and sisters will be sorely missed by their many 
friends and by fellow UTU Retiree Program members.

LOCAL      NAME                            CITY
0002       Kemmerley, Tom        Waterville, OH
0002       Saunders, John W.         Bartow, FL
0078       Wilson, Homer C.       Las Vegas, NV
0113       Dover, L.F.              Winslow, AZ
0113       Peterson, Keith E.       Winslow, AZ
0118       Smith, Estel            Oak Hill, WV
0194       Wilson, Victor P.        Elkhart, IN
0212       Willmott, A.M.     Virginia Bch., VA
0228       Nejdl, Edward J.    Cedar Rapids, IA
0238       Nistler, Joseph H.         Tempe, AZ
0240       Ferns, Rolland            Covina, CA
0257       Sandstrom, Robert G.     Chadron, NE
0258       Hawk, Glennis L.          Toledo, IA
0283       Sanford, Thomas N.     Vancouver, WA
0298       Totos, Walter G.         Chicago, IL
0363       Bentley I, John S.       Roanoke, VA
0367       Nagle, Thomas G.         Phoenix, AZ
0377       Longwell, George T.   Dixonville, PA
0454       Wilson, John E.     Owings Mills, MD
0459       Daughtrey, Jr., W.F. Chattanooga, TN
0469       Leonard, Julius J.    Versailles, MO
0569       King, Maynard L.         Red Oak, TX
0573       Keeton, Junior            Oneida, TN
0584       Seeling, Milton O.       Houston, TX
0584       Thompson, Walter L.     Meridian, MS
0590       Cooper, Jr., Leo J.      Madison, WI
0605       Griffith, Ralph W.    Clarksburg, WV
0610       Kalvelage, Karl T.     Baltimore, MD
0626       Clark, Stanley H.         Normal, IL
0631       Mock, Robert D.       Cumberland, MD
0694       Woolf, Jack L.           Redding, CA
0768       Calhoun, John W.         Bethany, IL
0792       Miller, Robert F.    Spring Hill, FL
0818       Bobo, Stanley D.           Hurst, TX
0847       Pannell, Dillard S.   Birmingham, AL
0903       Weeks, William T.    Tallahassee, FL
1038       Morelli, Carl M.          Murray, UT
1117       Mace, M.              St. George, UT
1172       Boothe, Oka L.W.       Princeton, WV
1373       Williams, John B.       Bensalem, PA
1390       Mitchell, John J.         Kearny, NJ
1418       Petterson, Emanuel G.  Rochester, PA
1409       Colvin, John F.      Kansas City, MO
1470       Brown, Frank E.            Bowie, MD
1522       Cezmar, Peter P.   Daytona Beach, FL
1564       Bagsby, Jr., Samuel      Gardena, CA
1594       Parker, Edward L.   Philadelphia, PA
1884       Huston, Roland O.        Calgary, AB
1948       Ciotto, Fred M.       New Castle, PA



TPEL HONOR ROLL
--Contributors' growing support recognized .........##W

Below are benefactors of the UTU's Transportation 
Political Education League (TPEL) who have begun 
contributing more than $100 per year, or have increased 
their donations to more than $100 per year, within the 
last month.

* Denotes Retired Member

PLATINUM CLUB
($1,200 or more per year)
NAME                  LOCAL   CITY/STATE
Wiley, Kenneth L.      324    Seattle, WA
Sturgeon, Patrick B.   477    Newton, KS
LeNeave, Cortney      1000    Minneapolis, MN

DOUBLE DIAMOND CLUB
($600 or more per year)
NAME                  LOCAL   CITY/STATE
Anderson, David E.     311    LaCrosse, WI
Ackerman, Larry C.     329    Boone, IA
Passet, Joseph R.      329    Boone, IA

DIAMOND PLUS CLUB
($400 or more per year)
NAME                  LOCAL   CITY/STATE
Kunda, Danny R.        322    Milwaukee, WI
Holmquist, Paul R.     329    Boone, IA
Kerner, James J.      1582    Albany, NY

DOLLAR-A-DAY CLUB
($365 or more per year)
NAME                  LOCAL   CITY/STATE
Leo, Christopher J.     84    Los Angeles, CA
Wolber, Mark S.        329    Boone, IA
Woodward, Aubrey       500    Grand Jct., CO
Elzy Jr., Edward F.    590    Portage, WI
Staley, Steven H.      597    Des Plaines, IL
Hoerler, Sean P.       934    Alliance, NE
Howell, Jeffrey H.    1800    Tucson, AZ

DIAMOND CLUB
($300 or more per year)
NAME                  LOCAL   CITY/STATE
Adamove, Leroy F.      469    Madison, IL
Beck, George T.        620    Chicago, IL
*Devine, Thomas J.    1390    Trenton, NJ
Belluomini, R.A.      1732    San Jose, CA

GOLD CLUB
($100 or more per year)
NAME                  LOCAL   CITY/STATE
Hagaman, Earl J.        60    Newark, NJ
Albitre, Richard J.     84    Los Angeles, CA
Shuff Jr., Roger D.    194    Elkhart, IN
Roberts, Bryan R.      195    Galesburg, IL
Lanahan, James M.      281    Milwaukee, WI
Carlascio, Stephen A.  281    Milwaukee, WI
Vogler, Christopher D. 496    Portsmouth, OH
*DuBose, G. Thomas     535    Macon, GA
Chitman, James E.      781    Shreveport, LA
Richardson, Billy J.   785    Paducah, KY
Rice, Richard J.      1067    Virginia, MN
Mertens, Arnold J.    1137    Fargo, ND
Mickish Jr., Joe      1137    Fargo, ND
Baker, James A.       1292    Proctor, MN
Gross, Bradley P.     1293    Altoona, WI
*Davis, Darrel W.     1770    Los Angeles, CA
Nelson, Brad T.       1780    Kansas City, MO
Fernow Jr., Fred W.      R    Rash Fork, AZ



NOTICES

--Monthly winner announced .......................##X

   This month's lucky winner of his choice of any item 
of apparel bearing the UTU logo is Donald F. Doubrava of 
Local 792, Cleveland, Ohio, which represents workers on 
Norfolk Southern.

   These items are awarded every month by random drawing 
as a show of appreciation to those who have been 
supportive of the UTU throughout the years.



--List of Employee Benefit Providers ...............##Y

   Below are web addresses and toll-free telephone 
numbers for the various companies that administer 
benefits under the NRC/UTU and national health and 
welfare plans. Utilizing the websites listed below will 
allow you to track claims, review participating 
physician directories, check benefit eligibility, order 
prescription medicines and more. If you have Internet 
access, the UTU encourages you to visit these websites 
and take advantage of the services and up-to-date 
information available.

MEDICAL BENEFIT PLANS

REGENCE LIFE & HEALTH INSURANCE CO. (BCBS)
http://www.bcbs.com
NRC/UTU Health & Welfare Plan
Information Line: 1-888-977-2583
------------
UNITED HEALTHCARE
http://www.myuhc.com
NRC/UTU HEALTH & WELFARE PLAN
Information Line: 1-800-691-0013
Managed Care Program: 1-888-445-4379
Medical Management: 1-800-842-4555

NATIONAL HEALTH & WELFARE PLAN (GA-23000)
Information Line: 1-800-842-5252
Managed Care Program: 1-800-842-9905
Medical Management: 1-800-842-4555

EARLY RETIREMENT PLAN (GA-46000)
Claims and Information: 1-800-842-5252

GA-23111 POLICIES
Claims and Information: 1-800-842-5252
Plan D Claims and Information: 1-800-809-0453
------------
AETNA U.S. HEALTHCARE
http://www.aetnaushc.com

NRC/UTU HEALTH & WELFARE PLAN
Managed Care Program: 1-888-332-8742

NATIONAL HEALTH & WELFARE PLAN (GA-23000)
Managed Care Programs: 1-800-842-4044

RAILROAD EMPLOYEES NATIONAL DENTAL PLAN (GP-12000)
Claims and Information: 1-877-277-3368
------------

MENTAL HEALTH, SUBSTANCE ABUSE PROGRAMS

MAGELLAN BEHAVIORAL HEALTH
http://www.magellanhealth.com
Claims and Information: 1-888-724-5006

VALUEOPTIONS
http://www.valueoptions.com
Claims and Treatment Certification: 1-800-934-7245
------------

PRESCRIPTIONS DRUGS

MERCK-MEDCO
http://www.merckmedco.com
Claims and Information: 1-800-842-0070
GA-23111-D Prescription Drugs: 1-800-842-0304
------------

LIFE INSURANCE BENEFITS

MINNESOTA LIFE INSURANCE
http://www.minnesotalife.com
Claims and Information: 1-800-328-9442

METLIFE
http://www.metlife.com
Claims and Information: 1-800-310-7770
------------

VISION BENEFITS

RAILROAD EMPLOYEES NATIONAL VISION PLAN
http://www.vsp.com
Claims and Information:
1-888-877-4782



--Panama Canal cruise set for March 6-16, 2002 ...##Z

   Experience the Panama Canal with a twist!

   Active and retired UTU members and their guests are 
invited to enjoy a unique fraternal travel opportunity 
in the spring of 2002 when the UTU Travelers Club 
sponsors its Roundtrip Panama Canal Cruise aboard the 
Princess Cruise Line's Sun Princess.

   Set for March 6 through March 16, 2002, the Roundtrip 
Panama Canal Cruise provides a twist on the traditional 
10-day cruise of the canal, offering the convenience of 
sailing from, and returning to, Ft. Lauderdale, Fla.

   With cabin prices starting at just $1,522 per person 
(based on double occupancy), this Love Boat adventure 
gives those who were closed out of our sold-out Fall 
Foliage Cruise aboard the Crown Princess another 
opportunity to experience Grand Class cruising, where 
big-ship choice combines with small-ship intimacy to 
create an experience unlike any other.

   Pampered guests aboard this cruise will embark from 
Ft. Lauderdale on Wednesday, March 6, and set sail for 
arrival on March 8 in Cozumel, Mexico. From there, 
travelers will head to the charming, British-influenced 
island of Grand Cayman. After a day at sea on March 10, 
participants will dock at Lim—n, Costa Rica, which 
offers white, sandy beaches and misty mountains draped 
in lush rainforest.

   On March 12, the real adventure begins when the ship 
enters the Panama Canal at the Gatun Locks and heads for 
Gatun Lake, an immense 168-square-mile artificial 
reservoir surrounded by lush, impenetrable jungle.

   Returning through the same locks, the ship cruises to 
Cartagena, Columbia, where travelers will get a glimpse 
on March 13 of colonial Spain as they stroll into the 
16th century walled city boasting local boutiques that 
offer the world's finest emeralds.

   Two days at sea on the way back to Ft. Lauderdale 
give travelers ample opportunity to discover why 
Princess cruises outclass the rest.

   To receive a brochure and reservation form, write 
today to: UTU Travelers Club, 14600 Detroit Ave., 
Cleveland, OH 44107-4250. To learn about the various 
upgrade options and airfares, call Lakewood Travel 
Bureau toll free at 1-800-726-9294. (From Canada, call 
216-221-9294.)



--UTUIA helps when tragedy strikes ................##AA

   If you or your spouse died, where would the money 
come from to replace the lost earnings caused by death? 
You may have a big mortgage, credit card debts, 
automobile loans and other large expenses.

   The answer is an insurance policy that targets your 
specific needs by providing the funds to deal with such 
a tragedy.

   Our Ultimate Term policy is flexible. You tell us how 
much coverage you need and for how long a period, and 
UTUIA will custom design it for you.

   Call us toll-free at 1-800-558-8842 to arrange 
assistance from your UTUIA representative.
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                        UTU NEWS                    
                     ONLINE EDITION                 
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                      OCTOBER 2001
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