Adrian Tschoegl The Wharton School of the University of Pennsylvania   Dept. of Management SHDH 2000 Wharton School Philadelphia, PA 19104 USA   tschoegl@alum.mit.edu     Biographical Sketch: Currently Adjunct Assoc. Prof. of Management   Primary Research Focus: Foreign Direct Investment in banking   JEL Areas: G2 : Financial Institutions and Services: General F2 : International Factor Movements and International Business: General