Like Gates and Turner, Broad and Stowers, Muther is one of many people helping to redefine philanthropy. And they are heeding the most important message that Andrew Carnegie delivered more than a century ago: "The day is not far distant when the man who dies leaving behind him millions of available wealth will pass away unwept, unhonored, and unsung. The man who dies thus rich dies disgraced."

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With Julia Cosgrove, Brian Hindo, and Adam Dayan, in New York