Cover Story. ................................
The Ritchie Commercial Difference
By Mark Ritchie

Downtown....................
San Francisco Bay Area Outlook

Uptown......................
A Commercial Property Report

Silicon Valley.....................
The Downtown Report
by Mark Ritchie

Sacramento.....................
Our Forcast for 2003

Legal Issues.....................
Passing On Increased Utility Costs To Tenants
By Joe Bravo

Finance.....................
What is Mezzanine Finance?
By David Levine