We would like to thank all of the people who have supported us through the writing and publication of this book. Special thanks to Alex Moehring and Michael Pugliese, for without their help this book would not be possible. We also wish to express our gratitude for the many people at Wells Fargo who have supported this project including Diane Schumaker-Krieg, Tim Sloan, 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, who have improved the quality of our research over the years. We are grateful for the instructors and students who have come through our lives and taught and inspired us (Nuzhat Ahmad, Kajal Lahiri, Asad Zaman, and Adil Siddique of SUNY-Albany).