Dr. Gary N. Smith is Fletcher Jones Professor of Economics, Pomona College, where he teaches Macroeconomics, Mathematical economics, Money and Banking, Securities Valuation, and Statistics. He holds a Ph.D. in Economics from Yale University. Dr. Margaret H. Smith is a Certified Financial PlannerTM and Certified Integral CoachTM, and Registered Investment Advisor. She holds a Ph.D. in Business Economics from Harvard. The authors have been quoted on financial issues in media ranging from The New York Times and Wall Street Journal to CNBC, Smart Money, and Motley Fool. They are principals of Smith Financial Place (www.smithfinancialplace.com).