H. Kent Baker, DBA, PhD, CFA, CMA, is University Professor of Finance in the Kogod School of Business at American University. He is an award-winning author/editor of more than 30 books including as Investor Behavior -The Psychology of Financial Planning and Investing and Investment Traps - Navigating Investor Mistakes and Behavioral Biases. With nearly 300 other publications, Professor Baker is among the top 1% of the most prolific authors in finance.  Greg Filbeck, DBA, CFA, FRM, CAIA, CIPM, PRM, is the Samuel P. Black III Professor of Finance and Risk Management and Director of the Black School of Business at Penn State Behrend, The Behrend College. He has authored or edited 10 books and published more than 95 academic articles. Professor Filbeck has conducted training for professional designations for the last two decades.   Halil Kiymaz, PhD, CFA, is the Bank of America Professor of Finance in the Crummer Graduate School of Business at Rollins College. He maintains an extensive research agenda and has published more than 80 articles in scholarly and practitioner journals and four books. Professor Kiymaz has received several research awards and is the finance area editor of the International Journal of Emerging Markets.