SWEEPSTAKES AND CONTEST RULES. NO PURCHASE NECESSARY TO ENTER OR WIN. Unless otherwise specified. Sponsored by Hearst Communications, Inc. Sweepstakes are open to girls ages 13 through 25 who are residents of the United States, the District of Columbia, and Canada. Void in Puerto Rico, the Province of Quebec, and where prohibited by law. Odds of winning depend on the number of eligible entries received for each sweepstakes.

HOW TO WIN THE CALENDAR SWEEPSTAKES: In our Win It! Calendar, one new Win It! prize will be given away every day. Look at the May calendar on page 24 to get the daily code words you'll need to enter. To receive the code words via e-mail instead of from the magazine, sign up for cosmogirl.com's Win Today Alert by completing the form at cosmogirl.com/newsletters. The code words needed to enter the daily Calendar Win It!s and monthly Grand Prizes will be sent to your inbox. Valid e-mail address required for receipt. To enter, complete and submit the entry form at cosmogirl.com/freestuff. Each day's entries begin at 12:00 a.m. ET and end at 11:59 p.m. ET. Winners of our daily Calendar Win It!s will be posted on cosmogirl.com/winners every weekday at noon (for the previous day's Win It!); weekend winners will be posted on Mondays. You may enter the sweepstakes one time per day during each Win It!'s 24-hour time frame (based on Eastern Time). To win the Grand Prize for May, two white gold diamond pendants from Superjeweler.com [approximate retail value (ARV): $979 each], you must first enter to win a daily Calendar Win It! in the May calendar. You can enter to win the Grand Prize every day you enter to win the daily prize in May. (By entering the daily Win It!, you are automatically entering to win the Grand Prize for that month.) The Grand Prize winners will be notified on or about July 5, 2008. For winners' names, go to cosmogirl.com/winners after July 15, 2008. Sweepstakes subject to complete official rules available at cosmogirl.com/rules.

HOW TO ENTER ALL THE OTHER WIN IT!S IN THE MAY ISSUE:

HOW TO ENTER THE JESSICA SIMPSON HANDBAG SWEEPSTAKES: Complete and submit the online entry form at cosmogirl.com/freestuff beginning at midnight, April 10, 2008, through 11:59 p.m. ET, May 19, 2008. Ten CG!s will win a Jessica Simpson Handbag, color to be determined (ARV: $108). Total ARV: $1,080.

HOW TO ENTER THE KISS OF APPROVAL BEAUTY AWARDS MAKEOVER TRIP TO NEW YORK SWEEPSTAKES: Complete and submit the online entry form at cosmogirl.com/beautykissofapproval. Entries must be submitted by 11:59 p.m. ET, May 25, 2008. One reader and a friend, or legal guardian if winner is under 18 years old, will win a trip to New York City to receive a makeover complete with a haircut and color, plus a makeup lesson. Prize Includes include round-trip coach airfare to New York from the closest major airport nearest winner's residence, two(2) nights for two (2) people in a standard-double occupancy room, transportation for (2) two to and from the airport, and meals on the day of the makeover (total ARV: $3,000). All other expenses will be the sole responsibility of the winner. Hotel accommodations at Sponsor's discretion, accommodations subject to availability and blackout dates may apply. All travelers must possess valid travel documents. Winner must travel on dates specified by Sponsor (or trip must be taken within one year from date of award. Arrangements must be made at least 30 days prior to departure. Once scheduled, the itinerary cannot be altered.)

HOW TO ENTER THE BODY DRAMA SWEEPSTAKES: Complete and submit the online entry form at cosmogirl.com/freestuff beginning at midnight April 10, 2008, through 11:59 p.m. ET, May 19, 2008. Five CG!s will win a copy of Body Drama by Nancy Redd (ARV: $20). Total ARV: $100.

HOW TO ENTER THE JUSTIN EYE CANDY SWEEPSTAKES: Use your cell phone to text us your rating of Sean. Text STEAMY, SIZZLING, or SCORCHING to 83200 from your text messaging-capable wireless device from April 5, 2008, through May 19, 2008. Once you vote, you will receive a Short Message Service (SMS) confirmation on your text messaging-capable wireless device and will be entered in the sweepstakes. Vote as many times as you like, but you will be entered in the sweepstakes only once. One reader will win a B2 Wassup speaker to use with your iPod (ARV: $30). Entrants will be charged for sending, receiving, and responding to SMS according to their carriers' rate plan(s). If you prefer, send your vote on a 3½" x 5" postcard, along with your name, telephone number, and the issue's month, to CosmoGIRL! Eye Candy Sweepstakes, 300 West 57th Street, 20th Floor, New York, NY 10019. Mail entries must be postmarked by May 19, 2008, and received by May 23, 2008.

HOW TO ENTER THE GOSSIP GIRL SWEEPSTAKES: Complete and submit the online entry form at cosmogirl.com/freestuff beginning at midnight April 10, 2008, through 11:59 p.m. ET, May 19, 2008. Five CG!s will win an autographed copy of Gossip Girl: The Carlyles, by Cecily von Ziegesar (ARV: $11). Total ARV: $55.

COSMOGIRL! STUDENTS FOR SAFE PROM CAMPAIGN PROMOTION. NO PURCHASE NECESSARY. Sponsored by Hearst Communications, Inc. Take the CosmoGIRL! Students for Safe Prom Pledge at cosmogirl.com/S4SP beginning at midnight April 10, 2008, through 11:59 p.m. ET, May 10, 2008. The first 15,000 entries received by Sponsor will get 3 S4SP decals, 1 for you, 2 for your friends! A notice will be posted on cosmogirl.com/S4SP when Sponsor has received 15,000 entries. Must be 13 years or older and a resident of the 50 United States, District of Columbia, or Canada. Void in Puerto Rico, the Province of Quebec, and where prohibited by law.

ENTRIES: Limit (1) one entry per household for each sweepstakes, regardless of method of entry for each sweepstakes (each referred to as the "Promotion"). Multiple entries from a single household will be disqualified. Illegible, incomplete, mutilated, postage due or mechanically reproduced entry forms or entry forms that have been tampered with will be disqualified. Entries using macro, robotic, script or other forms of automatic entry will be disqualified. Entries become the property of the Sponsor and will not be returned. No mechanically reproduced entries permitted. Proof of submission does not constitute proof of receipt. Sponsor is not responsible for lost, late, mutilated, misdirected, incomplete, inaccurate or postage due entries. Online entrants must have valid e-mail address and it is entrant's responsibility to update Sponsor of any change in e-mail address. If there is a dispute as to the identity of an online entrant, the prize will be awarded to the authorized account holder of the email address. The "authorized account holder" is defined as the natural person to whom the email address is assigned by an internet service provider, online service provider or other organization (e.g., business, educational institution, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address.

CONDITIONS OF PARTICIPATION: Each sweepstakes drawing will be conducted by CosmoGirl magazine, whose decisions are final. Odds of winning will depend upon the total number of eligible entries received for each sweepstakes. Each sweepstakes will be conducted separately. Canadian winners will be required to correctly answer a mathematical skill testing question as a condition of receiving the prize.

INTERNET: Sponsor is not responsible for electronic transmission errors resulting in omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions or limitations of any kind, or inaccurate transmissions of or failure to receive entry information by Sponsor or presenter on account of technical problems or traffic congestion on the Internet or at any Web site or any combination thereof. If for any reason the Internet portion of the program is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Promotion, Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Promotion. Sponsor reserves the right to select winners from eligible entries received as of the termination date. Sponsor further reserves the right to disqualify any individual who tampers with the entry process. Sponsor may prohibit an entrant from participating in a Promotion if it determines that said entrant is attempting to undermine the legitimate operation of the Promotion by cheating, hacking, deception or other unfair playing practices or intending to abuse, threaten or harass other entrants. Caution: Any attempt by a participant to deliberately damage any Web site or undermine the legitimate operation of the Promotion is a violation of criminal and civil laws and should such an attempt be made, Sponsor reserves the right to seek damages from any such participant to the fullest extent of the law. DISPUTES/CHOICE OF LAW: Except where prohibited, each entrant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Promotion or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by state or federal courts situated in New York, NY, (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event attorneys' fees; and (3) no punitive, incidental, special, consequential or other damages, including without limitation lost profits may be awarded (collectively, "Special Damages"), and (4) entrant hereby waives all rights to claim Special Damages and all rights to have such damages multiplied or increased. New York State law, without reference to New York's choice of law rules, governs the Promotion and all aspects related thereto. SPONSOR: The Sponsor of these Promotions is Hearst Communications, Inc., 300 West 57th Street, New York, NY 10019.

COSMOGIRL! BORN TO LEAD 2008 CONTEST: How to Enter: Beginning MARCH 1, 2008 at 12:01 AM (ET) through JULY 28 at 11:59 PM (ET) To enter,write an essay of 300 words or less telling us why you qualify to be the CosmoGIRL! of the Year. Send your entry along with your name, date of birth, home city/state, phone number, e-mail address, and photograph to: Born to Lead/CosmoGIRL! of the Year Contest, 300 West 57th Street, 20th Floor, New York, NY 10019. If you're 13 or over, you can enter on cosmogirl.com/borntolead. Entrants who are 11 and 12 must enter by mail.

Prizes and Approximate Retail Values: Winner will receive a scholarship from Maybelline New York ($20,000) intended solely for educational purposes.

Prize includes a trip t an awards ceremony in New York City; if travel to ceremony is necessary CosmoGIRL! will incur the cost of travel and accommodations for winner and one parent or guardian. If this trip occurs, the trip will include round-trip coach air transportation for winner and one parent or guardian from major airport nearest winner's residence and hotel accommodations two people for 1 night. Hotel accommodations at Sponsor's discretion, accommodations subject to availability and blackout dates may apply. All travelers must possess valid travel documents. Winner must travel on dates specified by Sponsor. Arrangements must be made at least 30 days prior to departure. Once scheduled, the itinerary cannot be altered. Estimated retail value of the prize, including the scholarship, is $23,000. Winner will be notified by phone on or around August 14, 2008. If winner is unreachable, prize may be forfeited and may be awarded to an alternate winner. For name of contest winner visit cosmogirl.com after September 15. In the event that the event is cancelled or postponed for any reason, Sponsor reserves the right to award the remainder of the prize with no further obligation to the winner.

1. Winner's List: For winner's name, visit cosmogirl.com after September 15, 2008. Illegible, incomplete, mutilated, postage due or mechanically reproduced entry forms or entry forms that have been tampered with will be disqualified.

2. ENTRIES: Limit (1) one entry per person per household each sweepstakes or contest (each referred to as the "Promotion"). Multiple entries from the same household will be disqualified. Entries using macro, robotic, script or other forms of automatic entry will be disqualified. Entries become the property of the Sponsor and will not be returned. No mechanically reproduced entries permitted. Proof of submission does not constitute proof of receipt. Sponsor is not responsible for lost, late, mutilated, misdirected, incomplete, inaccurate or postage due entries. If there is a dispute as to the identity of an online entrant, the prize will be awarded to the authorized account holder of the email address. The "authorized account holder" is defined as the natural person to whom the email address is assigned by an internet service provider, online service provider or other organization (e.g., business, educational institution, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address.

3. ELIGIBILITY: Open to legal residents of the 50 United States and the District of Columbia and Canada who are between the ages of 11 and 25. Void in Puerto Rico, Quebec Province and where prohibited by law. Employees (and their immediate families) of L'Oréal USA, Hearst Communications, Inc., and its subsidiaries and affiliates are not eligible.

4. CONDITIONS OF PARTICIPATION: Online entrants must have valid e-mail address and it is entrant's responsibility to update Sponsor of any change in e-mail address. Expenses not specifically included in prize description and all taxes are the sole responsibility of the winner. Each prize is awarded "as is" with no warranty or guarantee, either express or implied outside of manufacturer's limited warranty. No transfer, assignment or substitution of a prize permitted, except Sponsor reserves the right to substitute prize for an item of equal or greater value in the event an advertised prize is unavailable. All federal, state, provincial and local laws and regulations apply. Entrants agree to be bound by the terms of these Official Rules and by the decisions of Sponsor, which are final and binding on all matters pertaining to this Promotion. Winners (and parent or legal guardian if winner is a minor) may be required to sign and return an Affidavit of Eligibility, a Liability Release and where legally permissible a Publicity Release within 7 days following the date of first attempted notification. Failure to comply with this deadline may result in forfeiture of the prize and selection of an alternate winner. Return of any prize/prize notification as undeliverable may result in disqualification and selection of an alternate winner. Winner hereby further agrees that it will sign any documents necessary to transfer copyright of the entry to Sponsor within 7 days following the date of first attempted notification. Acceptance of the prize constitutes permission for Sponsor and its agencies to use winner's name and/or likeness, biographical material and/or entry (including an altered form of the entry) for advertising and promotional purposes without additional compensation, unless prohibited by law. By accepting prize, winner agrees to hold Sponsor, its advertising and promotion agencies and their respective parent companies, subsidiaries, affiliates, partners, representative agents, successors, assigns, officers, directors, and employees harmless for any injury or damage caused or claimed to be caused by participation in the Promotion or acceptance or use of the prize. Sponsor is not responsible for any printing, typographical, mechanical or other error in the printing of the offer, administration of the Promotion or in the announcement of the prize.

5. INTERNET: Sponsor is not responsible for electronic transmission errors resulting in omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions or limitations of any kind, or inaccurate transmissions of or failure to receive entry information by Sponsor or presenter on account of technical problems or traffic congestion on the Internet or at any Web site or any combination thereof. If for any reason the Internet portion of the program is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Promotion, Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Promotion. Sponsor reserves the right to select winners from eligible entries received as of the termination date. Sponsor further reserves the right to disqualify any individual who tampers with the entry process. Sponsor may prohibit an entrant from participating in a Promotion if it determines that said entrant is attempting to undermine the legitimate operation of the Promotion by cheating, hacking, deception or other unfair playing practices or intending to abuse, threaten or harass other entrants. Caution: Any attempt by a participant to deliberately damage any Web site or undermine the legitimate operation of the Promotion is a violation of criminal and civil laws and should such an attempt be made, Sponsor reserves the right to seek damages from any such participant to the fullest extent of the law.

6. DISPUTES/CHOICE OF LAW: Except where prohibited, each entrant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Promotion or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by state or federal courts situated in New York, New York, (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event attorneys' fees; and (3) no punitive, incidental, special, consequential or other damages, including without limitation lost profits may be awarded (collectively, "Special Damages"), and (4) entrant hereby waives all rights to claim Special Damages and all rights to have such damages multiplied or increased. New York State law, without reference to New York's choice of law rules, governs the Promotion and all aspects related thereto.

7. SPONSOR: The Sponsor of these Promotions is Hearst Communications, Inc. , 300 West 57th Street, New York, NY 10019.

1. Eligibility - The Mind Your Own Business Challenge (hereafter "Challenge") is offered only to girls who are legal residents of the 50 United States, District of Columbia, and United States territories and possessions, between the ages of 13 and 22. Employees, officers, directors and advisors of The By Kids For Kids Company ("BKFK" or "Sponsor"), Hearst Communications, Inc., Piczo.com, University of Maryland Baltimore Count and The Bizworld Foundation, their respective parents, affiliated and subsidiary companies, advertising and promotion agencies, Challenge judges, web masters and web suppliers, and persons engaged in the development of the Challenge & Challenge materials and members of the immediate family (parents, siblings, children [natural, adopted, foster] and spouse, wherever they reside) or household members (whether or not related) of such employees, officers, directors, advisors are not eligible. By participating, you agree (and if you are a minor in the jurisdiction in which you reside, [hereafter, a "minor"] your parent/legal guardian agrees) to these Official Rules and all the decisions of Sponsor, which are final and binding in all respects. Void where prohibited.

2. Challenge Period: Challenge begins on 04/01/08 at 12:00 Noon (ET); and ends on 06/30/08; 12:00 Noon (ET). The Challenge computer is the official time keeping device for the Challenge.

3. How To Participate: You may participate in the "Mind Your Own Business Challenge" by going to: www.bkfk.com, and following instructions found at the website. (hereinafter "the web site"). When you access the web site, you will be asked to select a user name and password. (The user name and password will not be associated with any of your personal information.) When you have selected the user name and password you will be assigned a Workspace. You will be given a choice of either being assigned a Workspace where you can work without your parent's/legal guardian's permission, or you may choose to pre-register for the Challenge by asking us to obtain your parent's/legal guardian's permission to participate in the Challenge. If you wish to work without your parent's/legal guardian's permission, then you may proceed to your assigned Entry Workspace and you can develop your Challenge materials and potential submission. If you wish to proceed with your parent's/legal guardian's permission, you will be asked for his/her email address and we will send an email to your parent/legal guardian with instructions to him/her directing how to proceed. (NOTE: EVEN IF YOU DO NOT WANT TO HAVE YOUR PARENT'S/LEGAL GUARDIAN'S PERMISSON TO WORK IN YOUR WORKSPACE AT THIS TIME, THAT PERMISSION WILL STILL BE REQUIRED TO SUBMIT AN ENTRY TO, AND ENTER, THE CHALLENGE.) At any time you will be able to elect to have a parental/legal guardian permission request email forwarded by clicking on the appropriate box and inserting the email address when directed.) If you are not pre-registered, once you have signed up for a Workspace you will be taken to a page where you can click on an icon, banner, or text link to develop your entry or invention. When you enter the Challenge you will be asked for the name(s) of your Invention(s)/Product(s).

4. Challenge Online Entry Workspace: By following the instructions on the Website you will be able to store materials you are working on for your entry(s) (for example: the name, a written description and/or graphic material of your Idea/invention all as defined below), access those materials, change, alter and modify them to refine and build your entry at any time or times until you are ready to submit your entry. By having and using a Workspace, however, you are under no obligation to submit material into, or enter, the Challenge. Until such submission, a) Sponsor will have no access to your Workspace or the work in your Workspace, and b) you can remove your work at any time prior to submission.

5. About User Names/Passwords/Workspace. When you access the web site to work in your Workspace or to participate in the Challenge, you must log-in using your username and password. If at any time you forget your username or password, you may gain access to your username and password by following the on-screen instructions and your username or password will be shown to you on screen. You are solely responsible for the security of your username and password. You should take precautions to keep your username and password private to prevent unauthorized use. Neither BKFK nor any other person or entity will be responsible for any losses, damages or consequences you may suffer due to careless or unauthorized use of a username and password. If you submit more than one Idea/Entry (as defined in Rule 6, below) all of your Idea/Entry(s) will be accessed using the same UN/PW & Workspace. When you access your Workspace, follow the directions to access the particular Idea/Entry on which you wish to work. It is your sole responsibility to ensure that the Idea/Entry materials you store and work on for each of your Idea/Entry are stored and worked on properly. You may also request assistance by clicking 'contact us'.

6. The Challenge Entry: An entry must be a new, original idea for the creation of a business which can be successfully implemented and /or brought to market (hereafter "the Idea/Entry" or sometimes "entry"). The Idea/Entry must have been conceived by the entrant and be the sole and original work of the entrant (although the entrant can be helped by a parent or legal guardian to explain the Idea/Entry in the entry materials).

The Idea/Entry must:
a. be within a defined Challenge category; specifically, a product or service business; which includes, but is not limited to: retail, corporate, internet in the categories of: fashion, sports, food, communications, electronics, etc. b. include a full description of the idea and reasons why the idea will succeed, along with optional supporting images and documents (up to 3 uploads). c. be a measurable improvement as solely determined by Sponsor (BKFK) - if an improvement to an existing product/design/business service it must be a measurable improvement as solely determined by Sponsor.

The Idea/Entry cannot:
a. be currently, or previously, on the market (except if Sponsor, in Sponsor's sole opinion, determines that it is a "measurable" improvement), or, b. be just a cosmetic difference from a current or previously marketed product/design/business service (unless that difference is also a "measurable" improvement relative to the function of the product/design/process), or, c. be for a product/design/business service (or part thereof) which is already protected by patent or copyright unless the patent or copyright is owned by the entrant, or the patent or copyright is about to expire.

7. Creating The Challenge Entry: -Your entry must be submitted through the Challenge Entry Workspace on the web site which was established in accordance with Rule 3, above. You may access the Challenge Entry Workspace directly, or via your idea locker, by following instructions on the website. In either case, whichever route you select to deliver your entry, whether via idea locker or direct, in both cases your entry materials must fully complete the seven (7) official Challenge entry questions found at the Challenge, including a written description of your new/original idea/invention/product/design or process. The written description should include such information as a entry name, specific description of the idea/design or product, the kind of idea/design/or product it is, what need/problem it addresses and why it is an improvement. While you can include any information you wish in the description, ALL questions must be completed and typed in the 'Challenge' Workspace accessible via your username and password. You may also include an original drawing, a photograph, or an original illustration or the like ("graphic material"), and following the on-line instructions store it in your Workspace. The graphic material can only be accepted in .tif, .jpg, .gif, .png, .doc, .pdf, .txt, .rtf, .wps, .xls, .ai, .bmp, .png, .ppt, .mp3, .wma, .mw, .mpeg, .swf, .avi or .wmv formats. Graphic material cannot picture or depict any person, or the trademark, trade dress, or product of any third party. There is a limit of 3 pieces of graphic material per Idea/Entry. Graphic material must be original - and may not simply be existing clip-art/off the rack designs, or cut & paste templates.

8. Entry Submissions: When you have completed your Idea/Entry, and are satisfied that it contains a complete written description of the idea/design or product answering all questions fully, and the graphic material which best shows your idea/design or product, click on the "submit" button. If you have pre-registered, when you click on the submit button your entry will be submitted. If you have not pre-registered, you will be asked for your parent/legal guardian's email address so parental/legal guardian permission can be obtained. When permission has been received, your entry will be submitted. ALL ENTRIES MUST BE ACCOMPANIED BY SIGNED PARENTAL PERMISSSION - AND WILL NOT BE CONSIDERED WITHOUT PARENT/LEGAL GUARDIAN PERMISSION. While you can change, alter or modify your Idea/Entry before it is submitted (while it is in your Workspace), once an entry is submitted, whether from your workspace or from your locker, it cannot be changed, altered or modified for any reason and in any way, whatsoever. You may keep a 'read only' copy of your entry, which has been locked, in your workspace for archival purposes. By submitting an Idea/Entry you (and your parent/legal guardian if you are a minor) warrant and represent that the entry, and your submission thereof to the Challenge, (1) does not violate any law, regulation or right of any third party, including but not limited to patent, copyright, trademark, or other intellectual property or sui generis right, (2) that the entry does not violate any fiduciary relationship or violate any agreement you may have, (3) that the entry is your own sole and original invention/idea/product/design or process, and that the entry has not been published, or submitted in any Challenge, competition or contest other than to BKFK or otherwise disclosed to any third party, and, (4) that the entry does not contain any virus, bugs, or other deleterious material . Entries must be received and recorded by the BKFK's administrator's Challenge computer by June 30, 2008; 12:00 Noon, (ET). Please click, contact us, for assistance.

There is no limit on the number of entry submissions from any entrant, but each must be submitted separately. All entries from a particular entrant must be unique as solely determined by BKFK. Each user may have only one username & password. Any entry that, in the sole opinion of BKFK, is considered inappropriate or not suitable for publication will be ineligible. Any entry that, in the sole opinion of BKFK, violates the BKFK code of conduct ('code of conduct') will be ineligible. The code of conduct is incorporated into, and made a part of, these Official Rules as though fully set forth herein. Once an entry is submitted it is the sole responsibility of the entrant to maintain his/her contact information, and that of his/her parent/legal guardian, current. Sponsor is not responsible for any failure to contact an entrant or his/her parent/legal guardian if their respective contact information is not current. To update contact information, please contact us.

9. Judging: There will be 3 rounds/phases of judging: Upon registration in the Challenge entrant will be given access to 7 questions which must be fully completed for your entry to be eligible.

Round /Phase 1 of judging is the initial evaluation screening - which will evaluate and confirm each entry's compatibility with Challenge theme; as well as whether it is a real entry (not gibberish, a ruse, or otherwise bogus nonsensical submission); all answers must be fully complete and submitted, received and recorded by the Challenge computer in accordance with the directions on the questions, and no later than June 30, 2008; 12:00 Noon, (ET) or the entry will be disqualified.

At all times, and in every instance, any entrant whose entry materials, image uploads, or use of the site is considered inappropriate in any way, or in any way violates the BKFK code of conduct for appropriate online behavior/use ('code of conduct') will be immediately and permanently disqualified.

If an entry is determined by BKFK and the evaluators as eligible in accordance with the Challenge theme; is deemed a legitimate entry; and is received and recorded by the published deadline; it will be considered an 'active' entry and proceed to Round/Phase 2.

Round/Phase 2 of judging is the 'active evaluation screening' - which will evaluate eligible entry submissions, with focus on: Originality of Concept/Development of Idea & Marketability/Mass Appeal - determining each entries ability to be successfully introduced into, and received by, the market place. The thirty (30) top scoring active entry submissions (provided that there are at least 30 active entry submissions), having received the highest compiled scores in this phase, and therefore deemed to have the greatest such potential will proceed to the final round of judging, Round /Phase 3.

Round/Phase 3 of judging is the final entry selection screening - which will be completed by a panel of BKFK/VIP & Industry Experts, who will evaluate the entries which advanced from Phase 2) using the (above) criteria: Originality of Concept; Development of Idea; Feasibility of Implementation; Marketability/Mass Appeal; to determine the top five (5) scoring entries.

ONLINE CONSUMER VOTE - The top scoring 5 Finalists' entries from Phase 3 will be posted online at: www.bkfk.com and consumers will have the opportunity to vote for their favorite Finalist Entries, between August 30, 2008; beginning at 12:00 Noon; ET; and concluding at 12:00 Noon; ET, September 5, 2008. The entry that receives the highest number of consumer votes will receive 5 points. The entry with the second most consumer votes will receive 3 points. The entry that receives the third most consumer votes will receive one point. These points will be added to the final tabulated judging score from Phase 3 for that entry and will be factored into the final selection of Grand Prize winner. There is a limit of one (1) vote per consumer, per day, for any particular finalist in this phase. The entrant who submitted the one overall top-scoring entry, and whose score is verified by the Sponsor, will be the potential Grand Prize Winner. The potential Grand Prize Winner will be notified in a manner determined by Sponsor.

10. Prizes: There will be one (1) Grand Prize Winner who will receive: $10,000 in the form of a check; and a 'Make It Real: Dream to Reality Prize Package/Trip'; which consists of: A 2-day/1-night trip for two (entrant & parent/legal guardian) to NYC on a Sponsor specified date. (ARV $ 1,500).

Trip consists of round-trip coach air-transportation from the major airport nearest to the winner's U.S. residence, round trip air transfers between airport and hotel, standard double-occupancy hotel accommodations. Airline carrier's regulations and restrictions apply. Trip may not be combined with any other offer and travel may not qualify for frequent flier miles. Winner and travel companion (parent/legal guardian) must travel on the same itinerary and comply with all security requirements. The travel companion of the winner (or parent/legal guardian if companion is a minor) will be required to execute a Release of Liability prior to departure. Winner and travel companion (parent/legal guardian) must possess valid travel documents (for example. valid government issued photo ID) in order to travel. All travel must be completed on date specified by Sponsor; dates of departure and return are subject to change. If winner cannot accept prize as stated, prize will be forfeited in its entirety and awarded to an alternate winner. Actual value will depend on final itinerary. Any difference between actual value and stated value will not be awarded. Accommodations and travel are subject to availability, change, restrictions and blackout dates apply. Seat selection and timing of trip subject to availability and confirmation of reservations. No refunds or credit for changes are allowed. All expenses and costs, not expressly stated, including but not limited to taxes, tips, entertainment, transfers, and transportation between the airport and home residence are the Winner's sole responsibility. In the event the Grand Prize winner lives within 100 miles of the destination city, ground transportation will be provided from the winner's home residence to the destination city in lieu of airline transportation, and any difference in the value of the trip portion of the prize will not be awarded.

If a winner is not the age of majority, prize may be awarded in the name of or to parent or legal guardian (as solely determined by Sponsor) who must execute all documents and agree to all undertakings of winner set forth in these Official Rules or prize may be forfeited and awarded an alternate winner. Prize cannot be transferred, substituted, or redeemed for cash, but Sponsor reserves the right to substitute prize, or a portion of prize with a prize, or portion or prize of equal or greater value if such prize or portion becomes unavailable. Taxes on prize, if any, are solely the responsibility of winner.

11. General Conditions: Participants (and participant's parent/legal guardian, if participant is a minor) hereby: (1) grant to BKFK a non-exclusive, perpetual license to receive, reproduce, distribute, display and otherwise process submitted data, materials and information, and to evaluate same, both in connection with the Challenge and outside of the Challenge, and (2) agree (a) that BKFK, Hearst Communications, Inc., Piczo.com, University of Maryland Baltimore Count and The Bizworld Foundation, their respective parents, subsidiaries and affiliated companies, advertising and promotion agencies, and all of their respective officers, directors, employees, representatives, advisors and agents (individually and collectively "Releases") are released, will have no liability whatsoever for, and shall be held harmless by participants (and a participant's parent/legal guardian, if participant is a minor) against any liability for any injuries, losses or damages (whether due to negligence or otherwise) of any kind to person(s), including death, or property, or for breach or failure of any representation, warranty or obligation, or for infringement of rights of intellectual property, publicity or privacy, defamation, or portrayal in a false light, resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize or participation in this Challenge or any Challenge related activities, and (b) except where legally prohibited, winner (and winner's parent/legal guardian, if winner is minor) grant (and agree to confirm that grant in writing) permission to BKFK and those acting under its authority the right to the use of the winner's name, picture, likeness, voice, biographical information and statements, and entry (or any part thereof) at any time or times, for advertising, trade, publicity and promotional purposes without additional compensation, in all media now known or hereafter discovered, worldwide and on the Internet and World Wide Web, without notice, review or approval, and (c) winner (and winner's parent/legal guardian, if winner is minor) agree that the winner shall appear at any times and at any places deemed reasonably necessary by BKFK to advertise, promote, or otherwise market the winner's Invention/Product (it being understood that any such appearance will be on reasonable notice to the winner, that winner will be excused from such appearance should he/she have a prior commitment which cannot be delayed, and reasonable expenses as determined by BKFK for any such appearance will be borne by BKFK). The potential Grand Prize winner (and winner's parent or legal guardian if winner is a minor) will be required to complete, sign and return an Affidavit of Eligibility, a Liability Release, and where lawful a Publicity Release within the time stated on the notification. If documents are not returned timely, or if the documents are returned as non-deliverable, or if Grand Prize winner is found to be ineligible or otherwise not in compliance with these Official Rules the winner and the winner's entry will be disqualified, and all rights to the Grand Prize will be forfeited and an alternate Grand Prize winner selected.

12. Liability Limitations: Releases are not responsible for lost, late, misdirected, incomplete, or non-delivered entries; or for interrupted or unavailable satellite, network, server, Internet Service Provider (ISP), web site, telephone or other connections, availability or accessibility, or miscommunications, or failed computer, satellite, telephone or cable transmissions, or lines, or technical failure or jumbled, corrupted, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunctions, failures, or technical errors or difficulties, or other errors of any kind whether human, mechanical, electronic or network or the incorrect or inaccurate capture of Workplace, entry or other information or the failure to capture, store, or loss of, any such information. Entrants are expected to, and shall, retain copies of all portions of their entries, and shall not rely on Sponsor to retain same. Sponsor shall not be responsible for lost or corrupted submission materials. Persons who tamper with or abuse any aspect of this Challenge, as solely determined by the Sponsor, will be disqualified. Any use of robotic, automatic, macro, programmed, third party, or like entry methods will void all such entries by such methods, and disqualify any entrant using such methods. Releases are not responsible for injury or damage to participants' or to any other person's computer related to or resulting from participating in this Challenge or downloading or printing materials of any kind from, or for, this Challenge, or use of the web site. Should any portion of the Challenge be, in Sponsor's sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of the Sponsor, corrupt or impair the administration, security, fairness or proper conduct, or submission of entries, Sponsor reserves the right at its sole discretion to suspend, modify or terminate the Challenge, and select the winner from entries received prior to action taken or as otherwise deemed fair and appropriate by Sponsor. Releases are not responsible for any incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the Challenge, and assume no responsibility for any error, interruption, deletion, defect, delay in operation, or transmission, communications line failure, theft or destruction, or unauthorized use to this web site. In case of dispute, the authorized web site registrant whose user name and password is used to enter the Challenge at the actual time of the submission of an entry will be deemed to be the entrant, and must comply with these Official Rules.

13. IN NO EVENT WILL RELEASEES BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO AND USE OF THE WEB SITE OR DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SAID WEB SITE. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THIS WEB SITE INCLUDING, WITHOUT LIMITATION, THE CHALLENGE, IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW LIMITATIONS OF EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.

14. Arbitration/Choice Of Law: Except where prohibited, entrants (and entrants parent/legal guardian if entrant is a minor) agree that: (1) any and all disputes, claims, and causes of action arising out of or connected with this Challenge, or any prize awarded, or the determination of the winner(s), shall be resolved individually, without resort to any form of class action, and exclusively by arbitration pursuant to the Rules of the American Arbitration Association, then effective, and (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Challenge but in no event attorneys' fees; and (3) under no circumstances will entrant be permitted to obtain awards for and entrant hereby waives all rights to claim punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of entrant and/or Sponsor in connection with the Challenge, shall be governed by, and construed in accordance with, the laws of the State of New York, without regard for conflicts of law doctrine, and all proceedings shall take place in the State of New York, County of New York. If permitted by law, and the Rules of the American Arbitration Association, entrants (and entrant's parent/legal guardian if entrant is a minor) agree, all proceedings commenced hereunder, the details, transcripts, testimony and all particulars of all such proceedings, and the results of all such proceedings, for example but not limited to findings of fact and/or law, and awards, (all as however characterized), shall be kept and maintained as confidential by all of the parties (and their counsel or representative(s)) to any proceeding, and shall not be disclosed, in whole or in part, directly or indirectly, to any third party.

15. Privacy: The personalized entry information provided is subject to the Privacy Policy on the above stated web site. To read that Policy, access the web site and then access the 'Privacy Policy'.

16. Winner List: For the name of winner mail a first class self addressed stamped envelope to: BKFK, ATTN: MYOB Challenge Winners; 1177 High Ridge Rd; Stamford, CT 06905 for receipt by October 31, 2008. Name of winner may also be posted on the BKFK web site.

17. Co-Sponsors: The By Kids For Kids Company, 1177 High Ridge Road, Stamford, CT 06905 USA; is Hearst Communications, Inc. , 300 West 57th Street, New York, NY 10019.