Bharat Kolluri, PhD, is Professor of Economics in the Department of Economics, Finance, and Insurance at the University of Hartford. A member of the American Economics Association, his research interests include econometrics, business statistics, quantitative decision making, applied macroeconomics, applied microeconomics, and corporate finance.

Michael J. Panik, PhD, is Professor Emeritus in the Department of Economics, Finance, and Insurance at the University of Hartford. He has served as a consultant to the Connecticut Department of Motor Vehicles as well as to a variety of healthcare organizations. In addition, Dr. Panik is the author of numerous books including Growth Curve Modeling: Theory and Applicationsand Statistical Inference: A Short Course, both published by Wiley.

Rao N. Singamsetti, PhD, is Associate Professor in the Department of Economics, Finance, and Insurance at the University of Hartford. A member of the American Economics Association, his research interests include the status of war on poverty in the United States since the 1960’s and forecasting foreign exchange rates using econometric methods.