JAE K. SHIM, PhD, is President of the National Business Review Foundation, an economic consultant, and Professor of Economics at California State University, Long Beach. A prolific author, Dr. Shim has forty books to his credit and has published nearly fifty articles in prestigious economic and financial journals. Dr. Shim has received a Ford Foundation Award, a Mellon Research Fellowship, and an Arthur Andersen Research Grant.

JOEL G. SIEGEL, PhD, CPA, is Professor of Economics at Queens College. He is also Chairperson of the National Oversight Board. Dr. Siegel is the author or coauthor of forty-two books and nearly two hundred published articles on finance and economics topics.