These individuals deserve a special thanks for their valuable insights and contributions. The following instructors played a vital role in the development of this and previous editions of Investments:     Scott Besley University of Florida John Binder University of Illinois at Chicago Paul Bolster Northeastern University Phillip Braun Northwestern University L. Michael Couvillion Plymouth State University Anna Craig Emory University David C. Distad University of California at Berkeley Craig Dunbar University of Western Ontario Michael C. Ehrhardt University of Tennessee at Knoxville David Ellis Babson College Greg Filbeck University of Toledo Jeremy Goh Washington University John M. Griffin Arizona State University Mahmoud Haddad Wayne State University Robert G. Hansen Dartmouth College Joel Hasbrouck New York University Andrea Heuson University of Miami Eric Higgins Drexel University Shalom J. Hochman University of Houston A. James Ifflander A. James Ifflander and Associates Robert Jennings Indiana University Richard D. Johnson Colorado State University Susan D. Jordan University of Kentucky G. Andrew Karolyi