William Shambora Ohio University   Ohio University Economics Dept - 205 Haning Hall Athens, OH 45701 USA   shambora@ohio.edu     Biographical Sketch: PhD earned at the University of Kentucky 2000. Prior to graduate studies 15 years experience in the investment industry. Currently assistant professor of Economics at Ohio U. Teaching duties include courses in a new OU program, Masters in Economics with Financial Economics Track.   Primary Research Focus: Financial asset returns.   JEL Areas: G0 : Financial Economics: General E4 : Money and Interest Rates: General