Truly the grande dame of the municipal marketplace, industry veteran Claire Cohen of Fitch Investors Service Inc. this year makes her third appearance on the All-America First Team. Ms. Cohen's category covers all types of general obligation bonds: states, cities, counties, and school districts.

Bill Oliver of Prudential Insurance Co. and Hyman C. Grossman of Standard & Poor's Corp. form this year's second team. Mr. Oliver was a first team All-American in 1991, when the program featured a separate category for city and county GO bonds.

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