Acknowledgments

Thanks to Jon and Bo for creating everything that this book documents—taking what was, at the time, a potentially radical and unproven idea and working tirelessly to make it appear obvious in retrospect. Thanks to Ephrat and the entire engineering team for algorithmic genius in converting finance into code, and Gary for his daily oversight and ideas. Thanks to Ed and Pawel for their design expertise. Thanks also to Mitch, Rob, Patrick, and Will for their unrelenting feedback on what I write every week. Thanks to Joe for making this happen, and to Sam, Jesse, and Chris for their early work and feedback on the concept. Thanks also to Casson for his data analysis and Huw for his cartoons. Thanks to Tula, Stacey, and the whole team at Wiley for their patience when deadlines weren’t always met. Thanks to the whole team at FutureAdvisor, who make low-cost and high-quality financial services a reality for more and more people every day.

Thanks especially to Jamie for her support throughout the whole process. Thanks to Freddie, even though I’m aware that this book doesn’t contain nearly enough pachycephalosauruses; and to Maggie, even though you would have much preferred a book with more pictures, especially ones of puppies.

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