Philip C. Adams, CFA Investment Grade: Utilities, Energy, Transportation   has 34 years of experience in credit analysis with Banc One Capital Markets, ABN-AMRO, BancAmerica Securities and Continental Bank. He earned his A.B. and M.B.A. from Indiana University.

Vicki Bryan High Yield: Airlines, Healthcare, Homebuilding, Building Products, Transportation, Trucking OEMS, Food & Restaurants, Construction Machinery   has 27 years of experience in the investment industry with 16 years covering high yield and distressed companies across a broad variety of industries. She was an independent management consultant advising in financial and operational strategies to distressed and emerging growth companies and a partner, vice president, and senior analyst with AIM Investment Management. Bryan earned her M.S. in finance from University of Houston, where she also was an adjunct professor.

Carol Levenson, CFA Investment Grade: Basic Industries, Retailing and Leisure, Healthcare, Automotive, Consumer Products, Capital Goods   has 29 years of experience as a credit analyst. She has been Director of Research at Gimme Credit since co-founding it in 1994. Prior to this Levenson spent 10 years as a senior bond analyst for Harris Investment Management. She earned her B.A. from New College and her M.A. in English and M.B.A. from The University of Chicago.

Evan Mann, CFA High Yield: Metals and Mining, Chemicals, , Aerospace and Defense, Automotive ,Retailing   has 24 years of experience as a credit analyst with Gimme Credit High Yield, Delaware Investments, Banc America Securities, Dillon Read and Lord Abbett. He earned his B.A. from Washington University and his M.B.A. from Hofstra University.

Kim Noland High Yield: Telecom, Gaming, Leisure, Consumer Products, Retail, Paper & Forest Products, Broadcasting & Cable, Media   has 26 years of experience in credit analysis of high yield and distressed securities. She has been Director of High Yield Research at Gimme Credit since 2002. Noland was formerly Head of Distressed Research at Salomon Brothers, Managing Director of High Yield and Emerging Markets Research at CIBC/Oppenheimer, Director of High Yield Trading at Merrill Lynch and Head of Bankruptcy Research at Bear Stearns. She earned her B.A. from Wellesley College, her J.D. from Indiana University and her M.B.A. from Harvard University.

Dave Novosel, CFA Investment Grade and High Yield: Telecommunications, Media, Technology, Food and Beverage   has 23 years of experience in credit analysis, as Head of Investment Grade Research at Banc One Capital Markets and as an analyst at Everen Securities and Metropolitan Life. He earned his B.A. from Yale University and his M.B.A. from Northwestern University.

Kathleen Shanley, CFA Investment Grade and High Yield: Banks, Brokers, Finance, Insurance, Real Estate   has over 21 years of experience in credit research. She has been a senior bond analyst for finance at Gimme Credit since 1999 and prior to that was a senior analyst at BankAmerica Corporation. Shanley earned her B.A. from Georgetown University and her M.B.A. from the Wharton School of the University of Pennsylvania.