Dr. Gary Smith is the Fletcher Jones Professor of Economics at Pomona College. He has published eight college-level textbooks, two trade books, and more than eighty research papers. His research has been featured in various media including The New York Times, The Wall Street Journal, The Motley Fool, Newsweek, and BusinessWeek, CNBC, and WNYC. Gary was a keynote speaker on real estate at the Brookings Institution in Washington DC and the Mortgage Finance Industry Summit in New York City. His book Standard Deviations, Flawed Assumptions, Tortured Data, and Other Ways to Lie about Statistics, was chosen as a London Times Book of the Week. Gary received his BA in Mathematics with Honors from Harvey Mudd College and his PhD in Economics from Yale University. Dr. Margaret Smith is an author, speaker, coach, trainer, and entrepreneur. She is the founder of HumanSync, a consulting and coaching company. She was a Certified Financial Planner, a Registered Investment Advisor, a member of the Financial Planning Association, and a Certified Integral Coach through New Ventures West. Margaret received a PhD in Business Economics from Harvard and a simultaneous BA/MA, summa cum laude, in Economics from Yale. She has published various articles on real estate and finance and has taught at Claremont McKenna College, the Peter F. Drucker Graduate School of Management, and Pomona College.