•S. Scott MacDonald is an adjunct professor and President and CEO of the SW Graduate School of Banking. He is an expert in bank finance, technology, valuation, and international trade, risk management, futures and options, monetary theory, and financial economics. A frequent source to the media, Dr. MacDonald can be reached at 214-768-2995 or smacdona@mail.cox.smu.edu. His vita can be found at http://www.cox.smu.edu/academic/professor.do/smacdonald.