My Philosophy

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=95 BGCOLOR="#999999" TEXT="#080000" bgproperties="fixed" background="048005f0ermwup.gif"> <div> <FONT SIZE="5" COLOR="#FFFFFF" FACE="Arial" ><B>JOE GARDNER</B></FONT><B>     </B><B>|     </B><A HREF="index.htm" TARGET="_top" TITLE="JOE GARDNER"><U><B>home</B></U></A></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="My Resume"><U>My Resume</U></A>   |   <B>My Philosophy</B>   |   <A HREF="id19.htm" TARGET="_top" TITLE="Favorite Links"><U>Favorite Links</U></A>   |   <A HREF="id20.htm" TARGET="_top" TITLE="My Hobbies"><U>My Hobbies</U></A>   |   <A HREF="id21.htm" TARGET="_top" TITLE="Contact Me"><U>Contact Me</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=190 BGCOLOR="#FFFFFF" TEXT="#080000"> <bR> </td> <td valign="top" height=385 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> My Philosophy</div> <bR> </td> </tr></table></body>