GUIDE TO MUTUAL FUNDS    SECOND EDITION    "Picking actively managed mutual funds is no mean challenge. And as  the recent era underscores, past performance is of little help. The  Morningstar Guide to Mutual Funds helps cut through the fog with a  solid volume of constructive information. The central  message--'truly diversify, keep it simple, focus on costs, and  stick with it'--is not only timeless, it is priceless."  --John C. Bogle, founder and former CEO, The Vanguard Group    "Successful investors know they must do their own due diligence.  Morningstar has done much of that homework in this guide. Leave it  to Morningstar to get it right, offering smart ways to pick, build  and monitor a portfolio. It's a commonsense guide that should grace  every investor's shelf."  --Ted David, CNBC Anchor    "There's nothing Morningstar doesn't know about mutual funds. And  at last, for ready reference, there's a book. You'll find  everything here you need to know about managing fund investments,  inside or outside a 401(k)."  --Jane Bryant Quinn, Newsweek columnist and author of Making the  Most of Your Money