Washington University in St. Louis - John M. Olin Business School, University of Iowa - Department of Management & Organizations, Michigan State University - Department of Management (deceased), Illinois State University, Morgan State University, Marquette University - Department of Philosophy, ZevGroup, University of North Carolina, affiliation not provided to SSRN, affiliation not provided to SSRN, North Carolina Central University (NCCU) and Northwestern University, Harold H. Hines Jr. Distinguished Professor of Risk Management (deceased)