X. SHELDON LIN, PhD, ASA, is Professor of Actuarial Sciences in the Department of Statistics, University of Toronto. He is an Associate of the Society of Actuaries and an Associate Editor for North American Actuarial Journal and Insurance: Mathematics and Economics. Dr. Lin's research interests include mathematical finance, actuarial science, and applied probability. He is an author or coauthor of more than 40 research papers in these areas. He jointly received two annual prizes of the Society of Actuaries in 1998 and 2004 for his research in actuarial science.Dr. JOE RUBINO is an internationally acclaimed network marketer and personal development trainer, as well as a bestselling author of… eleven books published in eighteen languages and distributed in forty-nine countries. He is the CEO of CenterforPersonalReinvention.com and a renowned speaker and course leader in the fields of leadership development, team building, communication, and network marketing. His other books include The 7-Step System to Building a $1,000,000 Network Marketing Dynasty, also from Wiley.