EXHIBIT 3 AGREEMENT OF JOINT FILING Jay Alix & Associates, Inc. and Jay Alix hereby agree that the Schedule 13D to which this Agreement is attached as an exhibit may be filed on behalf of each such person. JAY ALIX & ASSOCIATES, INC.

                                    EXHIBIT 3

                            AGREEMENT OF JOINT FILING


         Xxx Xxxx & Associates, Inc. and Xxx Xxxx hereby agree that the Schedule
13D to which this Agreement is attached as an exhibit may be filed on behalf of
each such person.

                                      XXX XXXX & ASSOCIATES, INC.


Dated:  April 29, 2002                By:      /s/ Xxxxxx X. Xxxxxxxxxxxx
                                           -------------------------------------
                                               Xxxxxx X. Xxxxxxxxxxxx
                                             Its:   Treasurer



Dated:  April 29, 2002                  /s/ Xxx Xxxx
                                      ------------------------------------------
                                      XXX XXXX