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Anthony Saunders received his Ph.D. from the London School of Economics. He is John M. Schiff Professor of Finance and the former chair of the Department of Finance at the Stern School of Business at New York University. Dr. Saunders has taught both undergraduate and graduate level courses at New York University since 1978. Throughout his academic career, his teaching and research have specialized in financial institutions and international banking. He has served as a visiting professor all over the world, including INSEAD, the Stockholm School of Economics, and the University of Melbourne. He is currently on the Executive Committee of the Salomon Center for the Study of Financial Institutions, New York University. His research has been published in all the major money and banking and finance journals and in several books. In addition, he has authored or co-authored several professional books, the most recent of which is Credit Risk Measurement: New Approaches to Value at Risk and Other Paradigms. Marcia Millon Cornett received a B.S. in economics from Knox College and her M.B.A. and Ph.D. in finance from Indiana University, Bloomington. She is Robert A. and Julia E. Dorn Professor of Finance at Bentley University. Dr. Cornett is co-author with Anthony Saunders of Financial Institutions Management and Financial Markets and Institutions. She serves as an associate editor for the Journal of Banking and Finance, the Journal of Financial Services Research, Review of Financial Economics, Financial Review, and Multinational Finance Journal. Dr. Cornett has served on the board of directors, the executive committee, and the finance committee of the Southern Illinois University Credit Union. Dr. Cornett has 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.