Philip L. Skousen

McGraw-Hill

New York
Chicago
San Francisco
Lisbon

London
Madrid
Mexico City
Milan
New Delhi

San Juan
Seoul
Singapore
Sydney
Toronto

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

Copyright 2004, 1998 by The McGraw-Hill Companies, Inc.

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 0 DOC/DOC 0 9 8 7 6 5 4

ISBN 0-07-143773-8

The sponsoring editor for this book was Kenneth McCombs, the editing supervisor was Caroline Levine, and the production supervisor was Sherri Souffrance. It was set in Palatino by Wayne Palmer of McGraw-Hill Professional s Hightstown, N.J., composition unit.

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, McGraw-Hill, Two Penn Plaza, New York, NY 10121. 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 guarantees the accuracy or completeness of any...