(MONEY Magazine) – Editor-in-Chief Jason McManus Editorial Director Henry Muller Editor of New Media Walter Isaacson

TIME INC. Chairman, CEO Reginald K. Brack Jr. President Don Logan

Managing Editor Frank Lalli Executive Editor Tyler Mathisen Assistant Managing Editor Frank B. Merrick Project Editor Eric Schurenberg Senior Editor Steve Gelman Staff Writers Shelly Branch, Jerry Edgerton, Carla A. Fried, Prashanta Misra, Marguerite T. Smith, Ellen Stark, Penelope Wang Contributing Writers Junius Ellis, Carol Wallace

DESIGN Art Director Janet Waegel Art Assistants Ingrid Buuck, Katrina Simpson

PHOTOGRAPHY Picture Editor Hadas Dembo

REPORTERS Chief Katharine B. Drake Staff Susan Berger, Judy Feldman, Karen A. Hube, Jillian Kasky, Holly Wheelwright Ketron, Leslie M. Marable, Elif Sinanoglu

COPY Editorial Director Mark Hudson Giles Copy Chief Patricia A. Feimster Editorial Systems Manager Andrew Schwartz Systems Engineer Al Criscuolo Senior Coordinator Sukey Rosenbaum Staff Kathleen Beakley, P. Nigel Killikelly, Bill O'Connor, Sarah Plant, Suzanne Justin Riggio, Judith Ryan, Eve Sennett

EDITORIAL PRODUCTION Director Karen Harper Diaz Staff Sally Boggan

MANUFACTURING Director Kathy A. O'Shaughnessy Manager Susan A. Eason Staff Eric Hutton, Yvonne Varriale, Geraldine Vopelak

EDITORIAL FINANCES Director R. Michael Terry

ADMINISTRATION Assistant to the Managing Editor Arlene Lemanski Staff Leslie A. Fields, Marianne Nardone, Darlen Obertance, Jaime Rivera, Samantha Welsh

CORRESPONDENTS Chief Sian Ballen Correspondents Boston: Paul Katzeff. Charlotte, N.C.: Edward Martin. Denver: Stephen Marsh. Houston: Lloyd Gite. Los Angeles: Laura Mecoy. Miami: Elizabeth S. Roberts. Minneapolis: Nancy Stesin. Phoenix: Kathy Shocket.Portland, Maine: Edward S. May. Portland, Ore: Jeff Wuorio. Orange County, Calif: Dorothy Jean. San Diego: Sylvia Tiersten. Seattle: Melanie Mavrides.

| TIME INC. EDITORIAL OPERATIONS Director Sheldon Czapnik Editorial Services Christiana Walford Editorial Technology Dennis Chesnel Group Publisher Michael Pepe Publisher Betsy Martin Consumer Marketing Director Michele M. Jaworski Associate Consumer Marketing Director Philip R. Whitney Regional Advertising Directors Robert H. Kelly, Thomas F. Madden Promotion Director Michael Rich Marketing Director Regina M. Buzzi Public Relations Director Patricia A. Straus