*Personal Financial Literacy Resource Guide*

GUIDE TO MUTUAL FUNDS SECOND EDITION "Picking actively managed mutual funds is no mean challenge. And asthe recent era underscores, past performance is of little help. TheMorningstar Guide to Mutual Funds helps cut through the fog with asolid volume of constructive information. The centralmessage--'truly diversify, keep it simple, focus on costs, andstick with it'--is not only timeless, it is priceless." --John C. Bogle, founder and former CEO, The Vanguard Group "Successful investors know they must do their own due diligence.Morningstar has done much of that homework in this guide. Leave itto Morningstar to get it right, offering smart ways to pick, buildand monitor a portfolio. It's a commonsense guide that should graceevery investor's shelf." --Ted David, CNBC Anchor "There's nothing Morningstar doesn't know about mutual funds. Andat last, for ready reference, there's a book. You'll findeverything here you need to know about managing fund investments,inside or outside a 401(k)." --Jane Bryant Quinn, Newsweek columnist and author of Making theMost of Your Money