© 2000 Credit Union National Association Inc.

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Editorial and Business Staff
James Hanson, publisher
Susan Tiffany, director, consumer publications
Michelle Dosher, associate editor
Amy Manzetti, assistant editor
Hillary Kowalski, editorial intern
Leah Neuendorf, director of circulation and business systems
Joe Day, manager of business development
Debbie Michels, customer services coordinator
Contributing to this issue:
Louisa Downey, Kristin Baird Rattini
Mary Shacklett
Design and Production Staff
Roger Napiwocki, director
Linda Des Lauriers, art director
Barb Bender, production coordinator
Sue Day, editorial coordinator
Dorothy Steffens, assistant vice president, Web services
Frank McLain, Web programmer
Bob Alderson, managing editor

Editorial Advisory Board

Debra Burnett, manager,
Learning Resource Center,
Eastman CU, Kingsport, Tenn.

Annie Cox, vice president, marketing,
Suncoast Schools FCU, Tampa, Fla.

Susan Cusick, vice president,
community development,
Novi (Mich.) Community CU

Clay Kearley, manager,
Car Facts services and dealer relations,
ORNL FCU, Oak Ridge, Tenn.

Robin Marohn, vice president, marketing,
Heartland CU, Madison, Wis.

Kim Schneider, business development manager, GenFed FCU, Akron, Ohio

Mark Wolff, communications senior
vice president, CUNA & Affiliates,
Washington, D.C.

© 2000 Credit Union National Association Inc.