Acknowledgments

It is with love and gratitude that I acknowledge my father, Gerald Appel, for teaching me everything I know about investing and for establishing an ethical and intellectually challenging business environment in our offices in Great Neck. I have also been blessed with unwavering love and support from my mother, Judith Appel.

Joanne Quan Stein read every draft each step of the way, assisted with the research, and held me to the production schedule. Without her keen eye for logical gaps in my exposition, many explanations in these pages would have remained in my mind, accessible to the reader only through ESP.

Bonnie Gortler and Audrey Deifik also reviewed my drafts on short notice despite their many other work commitments. Their insights ...

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