\documentclass[12pt]{letter}
\righthyphenmin = 3
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\begin{document}
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\address{
Burton Rosenberg\\
Department of Computer Science\\
University of Miami\\
Ungar 429\\
1365 Memorial Drive\\
Coral Gables, Fl 33146-4245\\
USA\\
~\\
(tel) 1-305-284-2268\\
(fax) 1-305-284-2264\\
(email) burt@cs.miami.edu
}

\signature{Burton Rosenberg}

\begin{letter}{
Applied Mathematical Finance\\
Attn: Jeff Dewynne\\
Mathematical Institute\\
24-29 St. Giles\\
Oxford OX1 3LB\\
UK
}

\opening{Dear Prof. Dewynne,}

Please consider the enclosed paper {\it Optimal exercise of russian options in the binomial model}
for publication in Applied Mathematical Finance.
Contact information appears above. Thank you very much.

\closing{Respectfully,}
\end{letter}
\end{document}

