We would like to thank all the people who have supported us through the writing and publication of this book. Special thanks to Larry Rothstein and Zachary Griffiths, for without their help this book would not have been possible. We also wish to express our gratitude for the many people at Wells Fargo who have supported this project, including Diane Schumaker-Krieg and John Shrewsberry, as well as the technical support staff at Wells Fargo. Thank you Robert Crow, editor of Business Economics, and the referees of that journal as well as the referees of articles that have appeared in other journals; you have improved the quality of our research over the years. We are grateful for the instructors and students who have come into our lives and taught and inspired us (Nuzhat Ahmad, M. S. Butt, Kajal Lahiri, Asad Zaman, Adil Siddique, Ambreen Fatima, Hasan N. Saleem, Jon Schuller, and Anika Khan).