David Waldeck is a professor and chair in the Department of Chemistry at the University of Pittsburg and has taught chemistry courses at all levels, including graduate and advance graduate courses in statistical mechanics, reaction dynamics, and quantum mechanics. His research interests include condensed-phase reaction dynamics (homogeneous and heterogeneous), solute-solvent interactions (both structural and dynamical characteristics), relaxation processes in solids, and electron transport on the nanometer scale. Jeffry Madura is a professor ini the Department of Finance at Florida Atlantic University and his research has been published in the Journal of Financial and Quantitative Analysis, Journal of International Money and Finance, Journal of Financial Research, Journal of Banking and Finance, Financial Management, Financial Review, and other academic journals.