GARY STRUMEYER is the Managing Director of the Bond and Money Market Group at BNY Capital Markets, Inc., a registered broker-dealer subsidiary of The Bank of New York Company, Inc., and has been with the company for twenty years. He is a former adjunct professor of economics and finance at New York UniversityтАЩs School of Continuing and Professional Studies. Strumeyer is the author of Keys to Investing in Municipal Bonds, published by BarronтАЩs in 1996. He recently served on the NASDтАЩs Corporate Debt Market Panel. The panelтАЩs purpose was to review and make recommendations to the NASD Board of Governors regarding how to best insure market integrity and investor protection in the corporate bond market.