Acknowledgments
David acknowledges the encouragement and support from Michael Gibson and Norah Barger. Iftekhar acknowledges the continuous support from colleagues in the area of finance and the administration at the Gabelli School of Business at Fordham. Akhtar acknowledges support and encouragement over the years, especially from Campbell Harvey and Andrew Lo, as well as from colleagues in supervision and economics at the Office of the Comptroller of the Currency.