Loretta Huinker, Team Leader, Editor, Proof Reader
Viny D’Errico, Asst. Editor, Volunteer Trainer, Proof Reader Ray Ross, Editor, Proof Reader
Justin Schramm, Editor
Diane Pfaff, Editor
Deborah DeWet, Technical Support
With special thanks to the Higher Balance staff
members for their contributions:
Frank Kramer, Jesse Borsheim, Peter Ince,
and Josh Leavitt
Additional thanks to the following Navigators who helped with the original transcription of the audio modules into print for this book: Kristine B., Pennie N., Jordan F., Cathy H., Molly McD., Joseph S., Vivien F., Amy P., Loretta H.