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Library of Congress Cataloging-in-Publication Data

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

  • Production Supervisor: Faye Gemmellaro

  • Manufacturing Buyer: Maura Zaldivar

  • Cover Design Director: Jerry Votta

  • Interior Design: Gail Cocker-Bogusz

  • VP, Editor-in-Chief: Tim Moore

  • Editorial Assistant: Richard Winkler

  • Developmental Editor: Russ Hall

  • Marketing Manager: John Pierce

© 2004 Pearson Education, Inc.

Publishing as Financial Times Prentice Hall

Upper Saddle River, New Jersey 07458

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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

First Printing

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Dedication

For Megan, Kate, and Thomas

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