At the end of this century Americans not yet born will reflect on and ponder the significance of the major events that have transpired, shaping and reshaping life in America.

It would be as difficult for us to imagine the events that will be on their top 10 list for this century, as it would for our great-grandparents to have imagined the events we placed on our top 10 list just a few years ago.

As our great-grandparents traveled the dusty roads of Clermont County in 1909 (most still by buggy or on horseback), the thought of World Wars, of man walking on the moon, or of transplanting hearts and other vital organs, was beyond their comprehension.

But in the short nine year history of this century we can already say with considerable certainty that we have been witness to two events which will be on the top 10 list at the end of this century. The first was the tragic events which occurred on September 11, 2001, which shall forever be remembered simply as the