(MONEY Magazine) – EDITOR-IN-CHIEF Jason McManus EDITORIAL DIRECTOR Richard B. Stolley CORPORATE EDITOR Gilbert Rogin DIRECTOR OF NEW MEDIA John Papanek

TIME INC. CHAIRMAN, CEO Reginald K. Brack Jr. PRESIDENT Don Logan EXECUTIVE VICE PRESIDENTS Donald J. Barr, Donald M. Elliman Jr., Robert L. Miller

Frank Lalli MANAGING EDITOR

ASSISTANT MANAGING EDITORS Frank B. Merrick, Caroline Donnelly, Tyler Mathisen SENIOR EDITORS Joseph S. Coyle, Richard Eisenberg, Eric Gelman, Joanna L. Krotz, Kevin S. McKean, Eric Schurenberg, Michael Sivy ASSOCIATE EDITORS Denise M. Topolnicki, Walter L. Updegrave SENIOR WRITERS Jerry Edgerton, Clint Willis STAFF WRITERS Gary Belsky, Elizabeth Fenner, Beth Kobliner, Lani Luciano, John Manners, Ruth Simon, John Sims, Marguerite T. Smith, Teresa Tritch, Penelope Wang EDITOR, STATISTICS Jersey Gilbert

DESIGN ART DIRECTOR Sandra DiPasqua ASSOCIATE ART DIRECTOR Traci Churchill SENIOR DESIGNER Helene Elek DESIGNERS Joseph E. Baron, Nadia Maryniak, Maria Taffera

PHOTOGRAPHY PICTURE EDITOR Deborah Pierce DEPUTY PICTURE EDITOR Miriam Hsia ASSISTANT PICTURE EDITOR Leslie Yoo

REPORTERS CHIEF Katharine B. Drake SENIOR STAFF Carla A. Fried, Elizabeth M. MacDonald, Prashanta Misra, Holly Wheelwright STAFF Lesley Alderman, Kirsten Chancellor, Judy Feldman, Lisa Fickenscher, Jillian Kasky, Roberta Kirwan, Deborah Lohse (Washington, D.C. Bureau), Sheryl Nance-Nash, Baie Netzer, Vanessa OUConnell, Elif Sinanoglu, Ellen Stark, Amanda Walmac

COPY DEPUTIES Patricia A. Feimster, Mark Hudson Giles EDITORIAL SYSTEMS MANAGER Andrew Schwartz SYSTEMS ENGINEER Al Criscuolo SENIOR COORDINATOR Sukey Rosenbaum STAFF Kathleen Beakley, Christy Casamassima, Henry S. Hample, P. Nigel Killikelly, Jeanne L. McGough, Bill O'Connor, Sarah Plant, Suzanne Justin Riggio, Judith Ryan, Eve Sennett

EDITORIAL PRODUCTION MANAGER Karen Harper Diaz STAFF Sally Boggan

EDITORIAL FINANCES MANAGER R. Michael Terry

ADMINISTRATION ASSISTANT TO THE MANAGING EDITOR Arlene Lemanski STAFF Darlen Obertance, Kelly Smith, Samantha Welsh

CONTRIBUTORS CONTRIBUTING EDITORS Steve Gelman, Diane Harris, Cheryl Russell CONTRIBUTING WRITERS Anthony Cook, Junius Ellis, Marlys J. Harris, Andrea Rock, Suzanne Seixas WALL STREET CORRESPONDENT Jordan E. Goodman

CORRESPONDENTS CHIEF Sian Ballen CORRESPONDENTS Atlanta: Mary C. Bounds. Boston: Paul Katzeff. Charlotte, N.C.: Susan Shackelford. Chicago: Lynn W. Adkins. Denver: Stephen Marsh. Honolulu: Kathy Titchen. Houston: Gary Taylor. Los Angeles: Laura Meyers. Miami: Elizabeth S. Roberts. Milwaukee: Gail Perlick. Minneapolis: Nancy Stesin. New Orleans: Janet Plume. Orange County, Calif.: Dorothy Jean. Philadelphia: Margaret O. Kirk. Phoenix: Kathy Shocket. Portland, Ore.: Jeff Wuorio. St. Louis: Carol F. Shepley. San Diego: Sylvia Tiersten. San Francisco: Tim Turner. Seattle: Nancy Way. Stamford, Conn.: Karen S. Daugherty.

EDITORIAL SERVICES DIRECTOR Christiana Walford

William S. Myers PUBLISHER ASSISTANT TO PUBLISHER Sue Boyajian

ADVERTISING SALES DIRECTOR Betsy Martin ASSISTANT TO ADVERTISING SALES DIRECTOR Terry Quinn ADVERTISING SALES REPRESENTATIVES New York: Robert H. Kelly (manager), Thomas F. Madden (associate manager), Jeffrey R. Barasch, Jonathan Kiehnau, Robert Leibowitz, Winslow Lewis Jr., Patricia J. MacWilliams, Charles McDermott, Eric M. Verch, Atlanta: Nigel E. Allen. Boston: Michael K. McFadden. Chicago: Gary M. Wenstrup, Richard G. Stalzer. Dallas: Cynthia S. Zock. Detroit: John Wattles. Los Angeles: Monika A. Allmon (manager), Timothy Hand. San Francisco: Alison Carbone (manager), Mark K. Updegrove. San Diego/Mexico: Peter J. Carr. ADVERTISING SALES ASSISTANTS New York: Connie B. Gillings, Karen A. Mauro, Alice Moritz, Colleen Rowe. Atlanta: M. Harris Langwell. Boston: JoAnn H. Curry, Chicago: Lisa Reter. Dallas: Mitsy Rowlett. Detroit: Leslie Callahan. Los Angeles: Esther Bissoo LoVerme. San Francisco: Mark Greene.

GENERAL MANAGER'S OFFICE GENERAL MANAGER Lindsay Valk SYSTEMS MANAGER Wilson Smith LETTERS DEPARTMENT MANAGER Daphne D. Mosher ASSISTANTS Robin Bigelli, Geri Anne Fennessey

BUSINESS MANAGER'S OFFICE BUSINESS MANAGER Richard J. Fairfield ASSOCIATE BUSINESS MANAGER Patricia M. McManus ASSISTANT BUSINESS MANAGERS Lanie Bertsche, Lorraine M. Guerin AD RECORDS COORDINATOR Judy Balderacchi ASSISTANTS Lisa Conery, Marilyn H. Downs, Janet L. Moore, Frank Morgano

CONSUMER MARKETING DIRECTOR Michele M. Jaworski ASSISTANT DIRECTOR Philip Whitney SENIOR FINANCIAL MANAGER Cecilia B. Dolan MARKETING MANAGERS Thomas J. Augeri, Lawrence M. Rowen ASSOCIATE MARKETING MANAGERS EDWard B. Bland, Timothy D. Twerdahl

PROMOTION DIRECTOR Michael Rich PUBLIC RELATIONS DIRECTOR Patricia A. Straus PROMOTION MANAGER Richard Vergine PROMOTION COPYWRITER Brook Zern PUBLICITY COORDINATOR Bonnie Hilton Green PUBLIC RELATIONS COPYWRITER Ira Hellman FINANCIAL CORRESPONDENT Dean Shepherd ASSISTANTS Joanne Cancro, Matty Tassler

MANUFACTURING DIRECTOR Kathy A. O'Shaughnessy PRODUCTION MANAGER Susan A. Eason FINANCIAL MANAGER Lisa Vandercar PRODUCTION COORDINATORS Eric Hutton, Adam Redfield ASSISTANT Yvonne Varriale

MARKETING AND DEVELOPMENT DIRECTOR Jonathan Bulkeley SENIOR MARKETING MANAGERS Regina M. Buzzi, Leslie C. Gordon SALES DEVELOPMENT MANAGER Mike Heneberry MARKETING DEVELOPMENT ASSOCIATE Brett M. Zickerman ASSISTANTS Gwenn Horn, Gina Monaco, Jane Salloway