Ex Parte Cancro et al - Page 2




             Appeal No. 2006-2039                                                                Παγε 2                                       
             Application No. 09/520,763                                                                                                       


                                                  THE PRIOR ART                                                                               
                    The prior art references of record relied upon by the examiner in rejecting the                                           
             appealed claims are:                                                                                                             
             McGovern et al. (McGovern)      5,918,207   June 29, 1999                                                                        
             Moran         6,430,542   Aug.   6,  2002                                                                                        
             (filed Aug. 26, 1998)                                                                                                            
             Upbin, "Old Money Chasing New" Forbes, Jun. 15, 1998, vol. 161, iss. 12., pp.176-180                                             
             The VIP Forum, Fact Brief, Family Services, February 2000                                                                        
                                                 THE REJECTIONS                                                                               
                    Claims 58 to 64, 66 to 72, 74 to 75 stand rejected under 35 U.S.C. § 103 as                                               
             being unpatentable over Moran in view of McGovern and VP Forum.                                                                  
                    Claims 65 and 73 stand rejected under 35 U.S.C. § 103 as being unpatentable                                               
             over Moran, McGovern, and VP Forum in view of Upbin.                                                                             
                    Rather than reiterate the conflicting viewpoints advanced by the examiner and                                             
             the appellants regarding the above-noted rejections, we make reference to the answer                                             
             (mailed April 26, 2004)  for the examiner's complete reasoning in support of the                                                 
             rejections, and to the brief (filed March 19, 2004) and reply brief (filed June 28, 2004) for                                    
             the appellants' arguments thereagainst.                                                                                          






















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