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

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

Managing Editor Frank Lalli Assistant Managing Editor Frank B. Merrick Project Editor Steve Gelman Associate Editor Denise M. Topolnicki Associate Editor, Statistics Jillian Kasky Staff Writers Lesley Alderman, Mark Bautz, Shelly Branch, Carla A. Fried, Jeanhee Kim, Lani Luciano, Vanessa O'Connell, Elaine Richardson, Penelope Wang

DESIGN Art Director Scott A. Davis Designers Ingrid Buuck, Angela Riechers

PHOTOGRAPHY Picture Editor Hadas Dembo

REPORTERS Chief Katharine B. Drake Staff Susan Berger, Mabel Brodrick-Okereke, Diane Kelley Giles, Derek Gordon, % Laura Keller, Marcy Lovitch, Leslie M. Marable

OPERATIONS Editorial Director Mark Hudson Giles Copy Chief Patricia A. Feimster Senior Systems Engineer Al Criscuolo Senior Coordinator Sukey Rosenbaum Staff Kathleen Beakley, Sally Boggan, P. Nigel Killikelly, Bill O'Connor, Judith Ryan, Eve Sennett

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

EDITORIAL FINANCES Director R. Michael Terry Staff Bernard E. Palmer

ADMINISTRATION Assistant to the Managing Editor Arlene Lemanski Staff Marianne Nardone, Darlen Obertance, Jaime Rivera

CONTRIBUTING WRITER Sarah D. Bunting

CORRESPONDENTS Chief Sian Ballen Staff Atlanta: Michele Cohen Marill. Charlotte, N.C.: Edward Martin. Denver: Stephen Marsh. Philadelphia: CeCe Lentini. Portland, Maine: Edward S. May. San Diego: Sylvia Tiersten. St. Louis: Carol F. Shepley. Washington, D.C.: Ana Marcela Sanchez

TIME INC. EDITORIAL OPERATIONS Director Sheldon Czapnik Editorial Services Claude Boral 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 Advertising Business Manager Paul B. Francis Promotion Director Michael Rich Marketing Director Regina M. Buzzi Public Relations Director Patricia A. Straus