Willie C. Kennedy, KeyCorp's year-2000 project manager, was catching up on his housework last week. Expecting several visitors to his home over the holidays, he was vacuuming the place to get it ready. His mind was far away from the office, where this week he will be making final preparations for the turn of the year Friday night."We have been preparing for this for five years," Mr. Kennedy said. "We are as ready as we can be."

Martin Lippert, chief information officer at Royal Bank of Canada, which also has been addressing the Y2K problem for five years, said, "We think it's a nonevent."

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