There are many people that I must thank, because without them this work could never have come to fruition. Judith Gillespie at the University at Albany, State University of New York, spent countless hours editing and encouraging me when the end was nowhere in sight. Her intellect, expertise, merciless red pen, and boundless energy were invaluable to the entirety of this work.
Professor Robert Nakamura was also very influential in helping me understand the important role that policy, or the lack of it, plays in the world. His keen mind was always making me ask the tough questions that I did not always want to ask.
I am very grateful to Mim Vasan, John Donohue, and everyone at Greenwood Publishing Group. They guided me through the publication process with professionalism and patience.
There were many other scholars, policy makers, colleagues, and acquaintances along the way whose input and advice, while not always heeded, was greatly appreciated.
I am extremely grateful to Ed Winders, whose generous gift established the Joseph F. Zimmerman Fellowship at the Graduate School of Public Affairs and Policy at the University at Albany, State University of New York. I was honored to be named the first Zimmerman Fellow, and Mr. Winders’ generosity assisted me with the research expenses associated with my doctoral research.
I must also thank the many elected and appointed officials, bankers, financial analysts, brokers, public auditors, and the people at