© 1999 Credit Union National Association, Inc.

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Editorial and Business Staff
Susan Tiffany, editor
Sue Lanphear, managing editor
James Hanson, editorial director
Catharine Gartelos, editorial intern
Mark Condon, publisher
Philip Heckman, director of sales and finance
Kathleen Beckett, director of information technology and systems
Joe Day, manager of business development
Debbie Michels, customer services specialist
Contributing to this issue:
Anne Connor, Sandy Kahan,
Eve B. Scheffenacker
Design and Production Staff
Roger Napiwocki, director
Linda Des Lauriers, art director
Barb Bender, production coordinator
Sue Day, editorial coordinator
Dorothy Steffens, manager, on-line services Bob Alderson, managing editor

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

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

Liz Letcavage, assistant vice president,
communications, Pennsylvania CU League, Harrisburg

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

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

©1999 Credit Union National Association, Inc.