Cover Story  

Lessons From the Heartland Breach
  by Chris Mark

Money Guy

A New Factor In Attrition
  by Harold Montgomery

Innovative ISO  

Small Merchant, Big Opportunity: Take Another Look
at SMBs
  by Deepak Wanner

Washington Outlook  

2009: A Laundry List of Legislation for Card Transactions?
  by Jim Romeo

Legal Jungle  

Collections 101
  by Paul Rianda

Common Ground  

New Forced Merchant Fees: Do They Really Work?
  by Greg Cohen

Survive and Thrive

It's Time to Put the Pedal to the Metal
  by Marc Beauchamp

Wallstreet Watch

Let's Make A Deal
  by Stephen Gerson

Security

Security Breach Insurance Programs
  by Holli Targan and Sarah Weston

The Economy

A Bullish 2009
  by Gayle Lantz

Economic Outlook  

One Nation, Crushed Under Debt
  by Addison Wiggin

Office Politics  

Steps to Resolve Workplace Conflicts
by Shari Frisinger