Marcia Millon Cornett Professor of Finance in the School of Management at Boston University. She received her B.S. degree in Economics from Knox College in Galesburg, Illinois and her M.B.A. and Ph.D. degrees in Finance from Indiana University in Bloomington, Indiana. Dr. Cornett has written and published several articles in the areas of bank performance, bank regulation, corporate finance, and investments. Articles authored by Dr. Cornett have appeared in such academic journals as the Journal of Finance, the Journal of Money, Credit, and Banking, the Journal of Financial Economics, Financial Management, and the Journal of Banking and Finance. Along with Anthony Saunders (John M. Schiff Professor of Finance and Chair of the Department of Finance at the Stern School of Business at New York University), Dr. Cornett has just completed writing the 6th edition of Financial Institutions Management (McGraw-Hill/Irwin) and is beginning work on the 4th edition of Financial Markets and Institutions (McGraw-Hill/Irwin). She is the guest editor for the Journal of Financial Services Research Special Issue on Government Regulation of Banking Firms and Review of Financial Economics January 2004 special issue on Commercial Banks: Performance, Regulation, and Market Value. She serves as an Associate Editor for the Journal of Financial Services Research, FMA Online, the Review of Financial Economics, Financial Review, and Multinational Finance Journal, Dr. Cornett has served as a member of the Board of Directors, the Executive Committee, and the Finance Committee of the SIU Credit Union. Dr. Cornett has also taught at Southern Illinois University at Carbondale, the University of Colorado, Boston College and Southern Methodist University. She is a member of the Financial Management Association, the American Finance Association, and the Western Finance Association.

Troy Alton Adair, Jr. Director of educational initiatives at Wilkes University. He received his B.S. degree in Computers/Information Science from the University of Alabama at Birmingham, his M.B.A. from the University of North Dakota, and his Ph.D. in Finance from Indiana University. Dr. Adair has written articles on bank regulator self-interest, analyst earnings per share forecasting, and capital budgeting in continuous time, and is the author of Corporate Finance Demystified (McGraw-Hill/Irwin), Excel Applications in Corporate Finance (McGraw-Hill/Irwin), and Excel Applications in Investments (McGraw-Hill/Irwin). He has also served as a consultant on financial data information systems to a number of international banks, and as the faculty representative to the Board of Trustees Investments Committee at Alma College. Dr. Adair has also taught at the University of Michigan, Alma College, Hofstra University, Indiana University, and the University of North Carolina at Chapel Hill. He is a member of the Financial Management Association, the American Finance Association, and the Southern Finance Association.

John Nofsinger A Lang Fellow and Associate Professor of Finance at Washington State University. He earned his B.S. degree in Electrical Engineering from Washington State University, his M.B.A. degree from Chapman University, and his Ph.D. degree in Finance from Washington State University. Dr. Nofsinger has written dozens of articles in the areas of investments, corporate finance, and behavioral finance. These papers have appeared in the scholarly journals of the Journal of Finance, Journal of Business, Journal of Financial and Quantitative Analysis, Financial Management, Journal of Corporate Finance, Journal of Banking and Finance, Journal of Behavioral Decision Making, among others. Dr. Nofsinger has also authored (or coauthored) six trade books and textbooks that have been translated into six different languages. The most prominent of these books is the industry book, The Psychology of Investing, and the textbook, Investments: Analysis and Behavior (McGraw-Hill/Irwin, coauthored with Mark Hirschey, the Anderson W. Chandler Professor of Business at the University of Kansas). Dr. Nofsinger is a leading expert in behavioral finance and is a frequent speaker on this topic at industry conferences, universities, and academic conferences. He has often been quoted or appeared in the financial media, including The Wall Street Journal, Financial Times, Fortune, Business Week, Smart Money, Washington Post, Bloomberg, and CNBC, and other media from The Dolans to TheStreet.com.