Hazel J. Johnson is Distinguished University Scholar at the University of Louisville and Professor of Finance. Dr. Johnson was formerly a member of the finance faculty of Georgetown University. She has authored more than 20 books in the areas of international banking, bank asset/liability management, bank valuation, corporate finance, and international economics. With publications in the US, Europe, Latin America, and Asia, Dr. Johnson's work has been translated into Japanese and Spanish. In addition, she has developed software systems for business practitioners in the areas of bank valuation, capital budgeting, cost of capital, and mergers and acquisitions. Dr. Johnson has acted as a consultant to more than 50 major US banks and a number of state and federal agencies.