<A HREF="http://www.nytimes.com/2006/03/26/business/yourmoney/26gradient.html?_r=1&8ym&emc=ym&oref=slogin" target="_blank">http://www.nytimes.com/2006/03/26/business/yourmoney/26gradient.html?_r=1&8ym&emc=ym&ore...</A>