CARTER PATE is a world-renowned turnaround expert at Pricewaterhouse-Coopers with more than twenty years of experience providing strategic consulting and implementation strategies. He has served as both CEO and chairman of several public companies, and was a founding partner of Pate, Winters & Stone, a national consulting firm. He lives in Dallas. HARLAN PLATT is a Professor in the Finance and Insurance Group at Northeastern University College of Business Administration. His major research and consulting interests include corporate bankruptcy and crisis management. He assists companies, including those on the NYSE, Nasdaq, and Irish Stock Exchanges, by serving on their boards of directors. He lives in Boston.