EXHIBIT 5
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                                POWER OF ATTORNEY

           The undersigned, General Electric Capital Services, Inc., a Delaware
corporation (hereinafter referred to as the "Corporation"), does hereby make,
constitute and appoint each of Briggs Tobin, Dan Janki and Paul Aaron as the
Corporation's true and lawful agent and attorney-in-fact (hereinafter referred
to as the "Attorney") to act either together or alone in the name and on behalf
of the Corporation for and with respect to the matters hereinafter described.

           Each Attorney shall have the power and authority to execute and
deliver any Schedule 13D, Schedule 13G or Forms 3, 4 and 5 or any amendments
thereto required to be filed with the Securities and Exchange Commission under
the Securities Exchange Act of 1934 on behalf of the Corporation with regard to
any securities owned by General Electric Capital Corporation, GEI, Inc., GE
Financial Assurance Holdings, Inc. or any of their subsidiaries.

           And, in connection with the foregoing, to execute and deliver all
documents, acknowledgments, consents and other agreements and to take such
further action as may be necessary or convenient for the Corporation in order to
more effectively carry out the intent and purpose of the foregoing.

           Agreements, commitments, documents, instruments and other writings
executed by the Attorney in accordance with the terms hereof shall be binding
upon the Corporation without attestation and without affixation of the seal of
the Corporation. The Power of Attorney conferred hereby shall not be delegable
by any Attorney. The Attorney shall serve without compensation for acting in the
capacity of agent and attorney-in-fact hereunder.

           IN WITNESS WHEREOF, the Corporation has caused this Power of Attorney
to be executed, attested and its corporate seal to be affixed pursuant to
authority granted by the Corporation's board of directors, as of the 21st day of
May, 2004.

                                     General Electric Capital Services, Inc.

   (Corporate Seal)
                                     By:  /s/ James A. Parke
                                          --------------------------------------
                                          Name: James A. Parke
                                          Title: Director

Attest:


  /s/ Brian T. McAnaney
Brian T. McAnaney, Attesting Secretary