Acknowledgments
The author wishes to thank the people of the Kiplinger Program in Public Affairs Journalism at The Ohio State University for their guidance and for supporting the research behind this book. The editors of The Buffalo News also provided support by granting time away from my role at the newspaper. In the course of the research, many individuals generously shared their time and expertise, in particular Robert J. Hobbs of the National Consumer Law Center.
Bob Frick at Kiplinger’s Personal Finance magazine provided insights about publishing and connected me with my tireless agent, Grace Freedson. My colleagues Richard Haynes and Michelle Kearns read preliminary drafts and offered valuable advice, more of which I probably should have ...
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