Lawrence Harte
Roman Kitka
Richard Levine

McGraw-Hill

Cataloging-in-Publication Data is on file with the Library of Congress

Copyright 2002 by APDG. All rights reserved. Printed in the United States of America. Except as permitted under the United States Copyright Act of 1976, no part of this publication may be reproduced or distributed in any form or by any means, or stored in a data base or retrieval system, without the prior written permission of the publisher.

1 2 3 4 5 6 7 8 9 AGM/AGM 0 7 6 5 4 3 2 1

ISBN 0-07-136301-7

The sponsoring editor for this book was Steve Chapman, the editing supervisor was Carol Levine, and the production supervisor was Pamela Pelton.

Printed and bound by Quebecor/Martinsburg.

McGraw-Hill books are available at special quantity discounts to use as premiums and sales promotions, or for use in corporate training programs. For more information, please write to the Director of Special Sales, Professional Publishing, McGraw-Hill, Two Penn Plaza, New York, NY 10121-2298. Or contact your local bookstore.

This book is printed on recycled, acid-free paper containing a minimum of 50% recycled, de-inked fiber.

Information contained in this work has been obtained by The McGraw-Hill Companies, Inc. ( McGraw-Hill ) from sources believed to be reliable. However, neither McGraw-Hill nor its authors guarantee the accuracy or completeness of any information published herein and neither McGraw-Hill nor its authors...