JANET LOWE is the author of the bestselling Warren Buffett Speaks, Bill Gates Speaks, Oprah Winfrey Speaks, and Benjamin Graham on Value Investing (all available from Wiley). 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.