THE AUTHOR Mike Hourston: Has Master Degrees in both Business and History (focus East Asia) from the University of Missouri-St. Louis, and 20+ years of successful Credit and Risk Management experience at several large multinational companies. Recognized nationally in 2008 (Silver) and 2003 (Gold) with "Alexander Hamilton" best practice treasury awards in credit risk management presented by Treasury and Risk magazine. Has had numerous articles published in finance journals on risk management and cash flow topics. Hourston currently resides in O'Fallon, MO and can be reached at Mhourston@att.net...