If you have a management conundrum you'd like input forward send it to Steve Cocheo.

If you have a management conundrum you'd like input forward send it to Steve Cocheo, executive editor: e-mail: scocheo@sbpub.com; fax to 212-633-1165; or mail to ABA Banking Journal, 345 Hudson St of the present day York, N.Y. 10014

THE HEADACHE

Ron Kuke president and CEO Alaska First Bank & Trust, N.A., $643 million-assets, Anchorage, asks:

"What gradations has your bank taken in the last not many years that has helped contain employee medical plan costs?"

We neared four answers to this question in the July row (See www.banking.com/aba to read those.) Here are three