JANET LOWE is the author of the bestselling Warren Buffett Speaks, Jack Welch Speaks, and Bill Gates Speaks (all available from Wiley), as well as Benjamin Graham on Value Investing. Her articles have appeared in such publications as Newsweek, the Christian Science Monitor, the Los Angeles Times, and the San Francisco Chronicle. Ms. Lowe lives in Del Mar, California, with her husband, Austin Lynas.