Keith Payne is the author of the book The Broken Ladder: How Inequality Affects the Way We Think, Live, and Die. He is a professor of psychology at the University of North Carolina at Chapel Hill and an international leader in the psychology of inequality and discrimination. His research has been featured in The Atlantic and The New York Times, and on NPR, and he has written for Scientific American and Psychology Today.
William J. Bernstein is author of the book, The Birth of Plenty: How the Prosperity of the Modern World was Created. William is a financial theorist and historian whose books include Masters of the Word, The Four Pillars of Investing and A Splendid Exchange. He is a Ph.D., M.D. and is a practicing neurologist in Oregon. Known for his quarterly journal of asset allocation and portfolio theory “Efficient Frontier,” Dr. Bernstein is also a principal in the money management firm Efficient Frontier Advisor. He is a frequent guest columnist for Morningstar, and is often quoted in The Wall Street Journal. He lives in Portland, Oregon.