Z. George Yang, Ph.D. & CFA, is the Co-Chief Investment Officer, Senior Portfolio Manager; Jerry C. Wagner, J. D., is the founder and President of Flexible Plan Investments, Ltd, a US registered investment advisory firm. David Varadi is the former VP Economic Research & Strategic Development. The authors also acknowledge the assistance of Renee Toth, Jason Teed and the programming assistance of Gayan Nagoda on data processing and statistics.