of bringing an extra 25,000 visitors to the Island this year is unlikely to be achieved. But he says Bermuda is starting to see improvements in the industry.

---- Profile, Page 2 PUBLIC URGED TO HELP HOMELESS HSG Public urged to help homeless An army of volunteers is being organised to take Bermuda's homeless folk to a psychiatric clinic where they can receive mental health tests. MP Ewart Brown says he hopes the tests will lead to treatment and employment for some. ---- Page 3 SOCCER REFS DEMAND INSURANCE SOC Soccer refs demand insurance Fed up with being abused and attacked, soccer referees have issued an ultimatum: they want to be covered by insurance by January 1 or they will take action -- possibly including a boycott. ---- Sport, Page 13 POTTER GOES INTO NEW REALMS TOD REV Potter goes into new realms In his first solo exhibition, Jonathan Northcott has confirmed what many have suspected for some time -- that Bermuda now has a home-grown potter of outstanding talent in its midst. ---- Review, Page 17 BCB'S NEW CHIEF APPOINTED APP BCB's new chief appointed Briton Peter Roberts, who has spent the last 24 years in the oil and engineering business, will be the next managing director of Bermuda Commercial Bank. The Transworld Oil USA, Inc. executive takes over from Audette Exel.

---- Business, Page 25 ARTISAN HOPES FOR SILVER LINING LIV Artisan hopes for silver lining Robert Moniz fears that his craft is dying. The expert electroplater has seen the volume of his silver replating work diminish -- and the advent of more plastic and fibreglass on motorbikes could do the same to the rest of his trade. ---- Living, Page 49