ELEANOR H. KERNS, CFA, is the Global Sector Analyst for Health Care and
a Director at Credit Suisse First Boston. She was previously associated
with Deutsche Banc Alex. Brown, Merrill Pickard, Anderson & Eyre. Ms.
Kerns is a Chartered Financial Analyst and a member of the Boston
Securities Analyst Society. She received a BA from Northeastern
University, an MA from Boston College and an MBA from Babson College.
Ms. Kerns is presently studying Fine Arts at the Museum School of The
Museum of Fine Arts, Boston and has work exhibited in Boston galleries. Profile
TWST: How do you view the HMO industry today? Is the industry in
Ms. Kerns: I believe it's in transition. I believe it has been in