So far this year, the fund has fallen 11.4 percent.

"I couldn't stand the idea that the fund was falling behind when the need is even greater," she wrote.

Also, the funds do not rise or fall very much.

In the closing months of last year, his fund fell by 25 percent.

The fund, which held more than $3.4 billion at the end of 1988 had fallen to about $600,000 this morning.

"We didn't have any funds to fall back on at all."

These funds fell in part because of rising interest rates.

The funds have fallen 19.9 percent so far this year.

The federal funds for training fell far short of the demand.

During the same period, competing funds fell by an average of 39%.