David C. M. Dickson holds a Ph.D. in Actuarial Science from Heriot-Watt University, Edinburgh, and is a Fellow of the Institute and Faculty of Actuaries and the Institute of Actuaries of Australia. He lectured for seven years at Heriot-Watt University before moving to the University of Melbourne in 1993. In 2000 Dickson was appointed to the Chair in Actuarial Studies in Melbourne. He was Head of the Department of Economics from 2016 to 2018. He has twice been awarded the H.M. Jackson Prize of the Institute of Actuaries of Australia, most recently for his book Insurance Risk and Ruin (2016). Mary R. Hardy is Professor of Actuarial Science at the University of Waterloo, Ontario. She earned her Ph.D. in Actuarial Science from Heriot-Watt University, Edinburgh,where she lectured for eleven years before moving to the University of Waterloo in 1997. She is a Fellow of the Institute and Faculty of Actuaries, and of the Society of Actuaries. In 2007 she was awarded the Chartered Enterprise Risk Analyst designation of the Society of Actuaries, through their thought-leader recognition program. In 2013 she was awarded the Finlaison Medal of the Institute and Faculty of Actuaries for services to the actuarial profession, in research, teaching and governance. Howard R. Waters is Professor Emeritus at the Department of Actuarial Mathematics and Statistics at Heriot-Watt University, Edinburgh. He holds a D.Phil. in mathematics from the University of Oxford, and worked as a consulting actuary for several years before joining Heriot-Watt University. He is a Fellow of the Institute and Faculty of Actuaries. He was awarded the Finlaison medal of the Institute of Actuaries in 2006 for services to actuarial research and education.