Dale K. Cline, MBA, CPA, CMA, is a business owner and investor with degrees from Lenoir-Rhyne College and Wake Forest University. His real estate investment experience during the Great Recession provided unique insights into banking systems and economic stress, inspiring this book.

Sandeep Mazumder holds a BA from Cambridge University and MA/PhD from Johns Hopkins University. His research focuses on macroeconomics, monetary economics, and inflation dynamics. Former Wake Forest Economics Chair and Baylor Business Dean, he currently serves as President of Berry College.