Copyright

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Library of Congress Cataloging-in-Publication Data

A CIP catalog record for this book can be obtained from the Library of Congress.

Credits

Editorial/production supervision: Patty Donovan

Composition: Pine Tree Composition

Cover Design Director: Jerry Votta

Cover Design: Talar A. Boorujy

Interior Design: > Meg Van Arsdale

Manufacturing buyer: Maura Zaldivar

VP, Executive Editor: Tim Moore

Editorial Assistant: Allyson Kloss

Development Editor: Russ Hall

Marketing Manager: Bryan Gambrel

Full-Service Production Manager: Anne R. Garcia

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 [phone] or [e-mail]

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 Educaci ³n de Mexico, S.A. de C.V.

Pearson Education ”Japan

Pearson Education Malaysia, Pte. Ltd.

Pearson Education, Upper Saddle River, New Jersey

Dedication

To Jay Poynor, our wonderful agent, who put up with these two women, our home offices, and our combined total of two husbands, five children, one Grandma Weezie, three dogs, one rabbit, and fifteen birds (and four goldfish !).

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