Library of Congress Cataloging-in-Publication Data

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Editorial/Production Supervision: Will MaraCover Design Director: Jerry VottaCover Design: Talar BoorujyArt Director: Gail Cocker-BoguszManufacturing Manager: Alexis R. Heydt-LongAcquisitions Editor: Jim BoydMarketing Manager: John Pierce

© 2004 Pearson Education, Inc.

Publishing as Financial Times Prentice Hall

Upper Saddle River, New Jersey 07458

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