Michael Szenberg is the Distinguished Professor of Economics and Chair of the Finance and Economics Department at Lubin School of Business, Pace University. He received his Ph.D. in Economics from the City University of New York, a B.A. in Economics from Long Island University, and a Diploma from the Air Force Aeronautics School. Michael is the recipient of many awards, including the Irving Fisher Monograph Award, the Kenan Award for excellence in teaching, and received Pace University's Award for Distinguished Faculty Service. He also serves as editor-in-chief of the American Economist and as consultant to private and governmental agencies. Lall Ramarattan received his Ph.D. from the New School University in 1986. He currently teaches Economics at the University of California, Berkeley Extension. He has published many articles in professional journals on a variety of topics. Currently, his interest is in the application of economic models to industry and country studies. Aron A. Gottesman is an Associate Professor in the Department of Finance and Economics at the Lubin School of Business at Pace University. He has a Ph.D. in Finance, an M.B.A. in Finance, and a B.A. in Psychology, all from York University in Toronto. Gottesman's research interests include financial markets and intermediation, corporate finance, and the history of economic thought. He has published and has forthcoming a number of articles in academic and policy journals, including the Journal of Empirical Finance, the Journal of Banking and Finance, the Journal of Financial Markets, and The National Interest, among others, and is an Associate Editor of The American Economist.