1.   Among them is Jonathan Newton, an Atlanta Journal-Constitution photographer who participated in the workshop as a student and returns each year to run the lab.

2.   Anaheim forward Paul Kariya, who missed most of last season with a concussion, has not been gun shy in his return this year.

3.   And his return this year was shrouded with early tentativeness.

4.   Bond managers who peered into the future as recently as December expected Treasuries and corporates to give them the best returns this year.

5.   But the fact that many investors already have earned healthy returns this year makes Harnisch think the time is right for his skills.

6.   Despite the pounding most took in July, top-performing aggressive-growth funds are still providing investors with decent double-digit returns this year.

7.   Equity-Income, Dividend Growth, OTC and Low-Priced Stock are among the diversified stock funds posting above-average returns this year.

8.   Even with the weaker currency, Canadian bonds have shown impressive returns this year.

9.   Even with a weaker dollar, Canadian bonds have shown impressive returns this year.

10.   He says bonds can provide double-digit returns this year as interest rates continue to fall.