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© 2003 Pearson Education, Inc. Publishing as Financial Times Prentice Hall Upper Saddle River, New Jersey 07458 Financial Times Prentice Hall books are widely used by corporations and government agencies for training, marketing, and resale. For information regarding corporate and government bulk discounts please contact: Corporate and Government Sales (800) 382-3419 or corpsales@pearsontechgroup.com Company and product names mentioned herein are the trademarks or registered trademarks of their respective owners. All rights reserved. No part of this book may be reproduced, in any form or by any means, without permission in writing from the publisher. Printed in the United States of America 10 9 8 7 6 5 4 3 2 1 Pearson Education LTD. Pearson Education Australia PTY, Limited Pearson Education Singapore, Pte. Ltd. Pearson Education North Asia Ltd. Pearson Education Canada, Ltd. Pearson Educación de Mexico, S.A. de C.V. Pearson Education Japan Pearson Education Malaysia, Pte. Ltd. DedicationTo Paige, whose infectious smile and endearing personality provided all the motivation (and, on occasion, insight) necessary to complete this book. David M. Carter To Mom, Dad, and Brian, for letting me immerse myself in sports and business, but always reminding me that family comes first. Darren Rovell |