Scott Smart has been a member of the Finance Department at Indiana University since 1990. He has published articles in scholarly journals such as the Journal of Finance, the Journal of Financial Economics, the Journal of Accounting and Economics, and the Review of Eco nomics and Statistics. His research has been cited by the Wall Street Journal, Business Week, and other major newspapers and periodicals. Professor Smart holds a Ph.D. from Stanford University and has been recognized as a master teacher, winning more than a dozen teaching awards, at the graduate level. Some of his consulting clients include Intel and Unext.