JOHN J. BRENNAN is the Chairman and CEO of The Vanguard Group, the world?s second-largest mutual fund company, with $600 billion in assets under management and fifteen million shareholder accounts. Mr. Brennan is a frequent guest on programs such as CNBC?s Business Center, Market Wrap, and Squawk Box and has appeared on NBC Nightly News with Tom Brokaw and Wall $treet Week in Review. He is regularly quoted in leading business and personal finance publications, including The Wall Street Journal, the New York Times, BusinessWeek, Forbes, Fortune, and Money. In 2000 and 2001, SmartMoney ranked him as one of the most influential individuals in investing. MARTA McCAVE is a senior financial writer for The Vanguard Group and a former journalist.