H. KENT BAKER, PhD, CFA, CMA, is University Professor of Finance at the Kogod School of Business, American University in Washington, D.C. As one of the most prolific finance academics, he is the author or editor of 18 books, and more than 150 refereed articles in such publications as the Journal of Finance, Journal of Financial and Quantitative Analysis, Financial Management, Financial Analysts Journal, Journal of Portfolio Management, and Harvard Business Review. He has consulting and training experience with more than 100 organizations. Professor Baker received a BSBA from Georgetown University; MEd, MBA, and DBA degrees from the University of Maryland; and an MA, MS, and two PhDs from American University. He also holds CFA and CMA designations. GREG FILBECK holds the Samuel P. Black III Professor of Insurance and Risk Management at Penn State Erie, The Behrend School, and serves as Program Chair for Finance. He previously served as senior vice-president at Kaplan Schweser, and also held academic appointments at Miami University (Ohio) and the University of Toledo, where he served as the associate director of the Center for Family and Privately-Held Business. Professor Filbeck is a coauthor of Derivatives and Risk Management and editor of CFA Basics: The Schweser Study Guide to Getting Started. He has published more than 70 refereed academic journal articles that have appeared in the Financial Analysts Journal, Financial Review, and Journal of Business Finance and Accounting. Professor Filbeck serves on the editorial board of the J ournal of Business and Economic Perspectives and as a board member for the Southern Finance Association.