Want to know who the smart money is and where it's going right
now?   This glittering sliver of the world's population has
created an explosion in luxury goods and services, a market many
believe-rightly or wrongly, notes Cass-to be recession-proof.
It's also prompted all sorts of studies aimed at examining the
spending, investments and psyches of the ultra-rich, including
one Worth recently conducted with Connecticut's Harrison Group.
Based on two-hour face-to-face interviews with 500 Americans who
each had at least $5 million in net worth, the Worth-Harrison
Taylor Study on the Status of Wealth in America paints a
revealing picture of this privileged group.     But if giving
remains important to the wealthy, the way they give is changing,
says Cass. Those who made their fortunes during the tech boom in
the '90s often approach philanthropy the same way they did their
businesses, demanding hands-on involvement, accountability,
measurable outcomes and even an exit strategy. Many, Cass says,
come to realize tha