Joel Kurtzman is a principle at The Kurtzman Group, a consulting and advisory firm dedicated to helping companies improve their performance and visibility in the marketplace. They specialise in the power of thought leadership and innovation. Most recently, Joel Kurtzman was global lead partner for thought leadership and innovation at Pricewaterhouse Coopers and publisher of the Milken Institute Review. He is the former Editor of Harvard Business review and a former member of the editorial board of Harvard Business School Publishing. Glenn Yago is Director of Capital Studies at the Milken Institute. He specializes in financial innovations, financial institutions and capital markets, and has extensively analysed public policy and its relation to high-yield markets, initial public offerings, industrial and transportation concerns, and public and private sector employment. Yago is creator of the Milken Institutes Capital Access Index, an annual survey that measures access to capital for entrepreneurs across countries, and co-creator of the Opacity Index