Carl McDonald

CARL MCDONALD is an analyst at Morgan Stanley, having joined the
healthcare equity research team in 2004 to cover the managed care
industry with Christine Arnold. Most recently, Mr. McDonald worked at
Banc of America Securities and was previously employed at Credit Suisse
First Boston. He also worked at Cambridge Associates, a financial
consulting firm. Mr. McDonald holds a BA in Economics and a BA in
American Studies from Brandeis University in Waltham, Massachusetts. He
is a Chartered Financial Analyst, and a member of the Association of
Investment Management and the Boston Society of Security Analysts.

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November 08, 2004