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Production supervisor: Wil MaraCover design director: Jerry VottaCover design: Nina ScuderiManufacturing buyer: Maura ZaldivarExecutive editor: Jim BoydEditorial assistant: Allyson KlossMarketing manager: Bryan GambrelComposition: Scott Suckling/MetroVoice

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©2002 Pearson Education, Inc.Publishing as Financial Times Prentice HallUpper Saddle River, New Jersey 07458

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