RUTH A. MICHALIK , (nee Zippay), age 89.  Beloved wife of the late Frank; loving mother of Michael A.; cherished grandmother of Michael A.; devoted daughter of George and Esther Zippay (both deceased); dear sister of the following deceased:  Ernest Zippay, Rosealie Klaus and Arthur Zippay; dearest aunt and Godmother of many.  Friends may call at LATEK & RYBICKI, A GOLDEN RULE FUNERAL HOME , 7906 BROADVIEW RD. (corner of Broadview and Sprague Rds.), where services will be held Thursday, January 5, at 11:00 AM.  Interment Calvary Cemetery. VISITING HOURS: THURSDAY 9 AM until time of services.