Patrick K. Barron is the first vice president and chief operating officer of the Federal Reserve Bank of Atlanta, a position he has held since 1996. He is also a member of the Federal Reserve System’s Conference of First Vice Presidents and is the retail payments product director for the Federal Reserve System nationwide. He began his career with the Atlanta Fed in 1967 and over the years has held increasingly more responsible positions with the Atlanta and Miami branch banks. From 1991 to 1996 he served as first vice president of the San Francisco Fed. Active in community affairs, he is currently the chairman of the Georgia Council on Economic Education. Barron graduated cum laude with a bachelor’s degree in management from the University of Miami. He also completed the Harvard Business School’s Program for Management Development and attended the Stonier Graduate School of Banking at Rutgers University.

Suzanne Boas is president of Consumer Credit Counseling Service of Greater Atlanta Inc. (CCCS). Prior to joining CCCS, she was vice president of Credit and Consumer Affairs for Macy’s South in Atlanta. She has also held positions with Aetna Life and Casualty Company in Hartford, Connecticut, and Bankers Trust Company in New York City. Active in many civic and professional organizations, she is currently a member of the Board of Directors of the Federal Reserve Bank of Atlanta and serves on the Board of Trustees and Executive Committee for the National Foundation for Credit Counseling, where she is also a peer reviewer for its accrediting agency, the Council on Accreditation of Services for Families and Children. A graduate of the 1997 class of Leadership Atlanta, she is also a member of the Atlanta Rotary Club and is a founding board member of the Georgia Consortium for Personal Financial Literacy. She is a graduate of Sweet Briar College in Amherst, Virginia.

Donald L. Chapman is chairman of Tug Investment Corporation, a printing and wireless technology company. He is an Atlanta native and has made a career of starting, buying, and selling businesses. He has launched, managed, bought, or sold more than twenty companies, including Tug Manufacturing Corporation, an airline vehicle manufacturer, and Opti-World, an optical superstore chain. Throughout his professional career, Chapman has served on a number of corporate boards and has been active in civic activities. He is the immediate past chairman of the board of Junior Achievement of Georgia and past chairman of The Community Foundation for Greater Atlanta. Over the years Chapman has been awarded the Georgia Tech Outstanding Alumnus award, the George Griffin Community Service award, the Atlanta Chamber of Commerce Phoenix award, and the Business Atlanta’s Entrepreneur of the Year award. He is a graduate of Georgia Institute of Technology and completed graduate studies at Rollins College and Georgia State University.

Kathy Cox is the State Superintendent of Schools for Georgia. She was elected to the position in 2002. In that capacity she serves as executive director of the Georgia Department of Education, where she is the state’s top elected official over Georgia’s K-12 public schools and the chief executive officer of the Board of Education. She was first elected to public office in 1998 and represented the 105th district in the Georgia House of Representatives for two terms. Prior to her election, she was a social studies teacher for fifteen years with the Fayette County Board of Education. Cox is a member of the Georgia Association of Educators. She received both her bachelor’s and master’s degrees in political science from Emory University, where she graduated with high honors and was member of Phi Beta Kappa.

Sallie Adams Daniel is director of community affairs at Troutman Sanders, LLP. Previously, she was senior vice president and Atlanta market development manager for Bank of America, where she held various positions, including manager of the trust department’s Charitable Funds Management Group and manager of community relations. A strong supporter of Georgia nonprofit organizations, she has chaired fund-raising campaigns for numerous organizations, including the Atlanta Symphony and Girl Scouts. She has served as a board member for such organizations as the Atlanta College of Art at the Woodruff Arts Center, Atlanta Technical College, and the Atlanta Convention and Visitors Bureau, among others. Daniel has received numerous awards, including the Morehouse School of Medicine’s Salute to Excellence award, the YWCA Salute to Women of Achievement award, and the Lovett Distinguished Alumna award. She earned her bachelor’s degree in history from the University of South Carolina.

Eugene J. Godbold Jr. is executive vice president of the Real Estate Banking Group of Bank of America and is president of Bank of America of Georgia. In this capacity he is responsible for all national activities for the Real Estate Banking and Community Development Group for Bank of America and president of the Georgia Bank. His previous position was Commercial Bank executive for the MidSouth Banking Group. During his banking career, he has served in various capacities in the Carolinas and Florida. In 1984 he was named market executive for the Mid-Atlantic Specialty Group and in 1991 he became market executive for the Washington, D.C., bank. He is currently the chair-elect of the Georgia Council on Economic Education and serves on the boards of the Georgia Chamber of Commerce and the Woodruff Arts Center. He earned a bachelor’s degree in science from Furman University and is a graduate of the Stonier Graduate School of Banking at Rutgers University.

Edward M. Gramlich is a member of the Board of Governors of the Federal Reserve System. Before joining the Board in 1997, he held various positions at the University of Michigan, including dean of the School of Public Policy. Gramlich has extensive governmental experience from serving as chair of the Quadrennial Advisory Council on Social Security and both deputy director and acting director of the Congressional Budget Office. He also was director of the Policy Research Division at the Office of Economic Opportunity, senior fellow at the Brookings Institution, and a staff member of the Research Division of the Federal Reserve Board. He received a B.A. from Williams College and an M.A. and Ph.D. in economics from Yale University.

Jeanne M. Hogarth is program manager for the Consumer Education and Research Section of the Division of Consumer and Community Affairs at the Federal Reserve Board. Her previous experience includes seven years of high school teaching and fourteen years on consumer economics faculties at the University of Illinois and Cornell University, where she worked on community education programs related to family financial management and consumer economics through Cornell Cooperative Extension. She has written numerous research articles for scholarly journals as well as consumer education resources on financial management. She received a B.S. in education from Bowling Green State University and an M.S. and Ph.D. in family and consumer economics from Ohio State University.

Hilary L. Hunt serves as the Eastern States Coalition Coordinator for the Jump$tart Coalition for Personal Financial Literacy based in Washington, D.C. In that capacity she assists with the formation of new state coalitions and their affiliation with the national office and provides ongoing support. Previous experience includes teaching the eighth grade in Virginia. She also served as vice president for program development with the Pennsylvania Partnership for Economic Education. She is a consultant on matters related to personal finance and economic education with the Pennsylvania Department of Education and the Securities Industry Foundation for Economic Education. She received a B.S. from the College of William and Mary and is currently pursuing an M.A. in education with an emphasis on adult education and distance learning from the University of Phoenix.

Angela C. Lyons is an assistant professor in the department of agricultural and consumer economics at the University of Illinois at Urbana-Champaign. Her research focuses on issues related to financial education, program evaluation, and family finance and household economics. In 2002 she was a delegate to the National Summit on Retirement Savings in Washington, D.C. She is currently a member of the Illinois Governor’s Financial Literacy Task Force and the state contact for the U.S. Department of Agriculture’s national initiative, Financial Security in Later Life. She recently released a report evaluating the Federal Deposit Insurance Corporation’s financial education program, Money Smart. She earned her Ph.D. in economics from the University of Texas at Austin.

David Martin is executive director of the Georgia Council on Economic Education (GCEE), a position he has held since 1982. Before joining the staff of the GCEE, his experience as an educator includes that of instructor in the United State Army, classroom teacher at Sprayberry High School, and instructor at Agnes Scott College. For his leadership of the Georgia Council and his national efforts on behalf of economic education, he was awarded the John C. Schramm Leadership award from the National Association of Economic Educators and the National Council on Economic Education. Active in community affairs, he currently holds leadership roles in several community programs, including Communities in Schools of Georgia, the Georgia Association of Economics and Finance, and the Georgia Consortium for Personal Financial Literacy. Martin holds a bachelor’s degree in economics, history, and political science from Westmar University, a master’s degree in American Studies from Purdue, and a Ph.D. in educational leadership with a concentration in economics from Georgia State University.

Elridge McMillan is a member of the Board of Regents of the University System of Georgia and president emeritus of the Southern Education Foundation Inc. in Atlanta. Currently, he is scholar in residence at Atlanta Metropolitan College and an education consultant. McMillan began his career in 1954 in the Atlanta Public Schools and continued his dedicated service to the field of education throughout his life. He is a past chairman of the Board of Regents of the University System of Georgia, and he currently serves on the Board as its representative from the Fifth Congressional District. He has received numerous awards and honors for his service to education and the community, including several honorary doctorates from around the nation. He earned an A.B. in English from Clark College (now Clark Atlanta University) and an M.A. in guidance and student personnel administration from the Teachers College at Columbia University, and he completed postgraduate work at Columbia University.

Thomas C. Meredith is the chancellor of the University System of Georgia, an appointment he received in January 2002. Prior to his appointment in Georgia, Meredith served as chancellor of The University of Alabama System, as president and professor of education at Western Kentucky University, and as vice chancellor for executive affairs at The University of Mississippi, where he also served as adjunct professor of higher education and executive assistant to the chancellor. He was recently appointed president of the National Association of System Heads, an organization comprised of the chief executive officers of the fifty-one public higher education systems in the United States. Meredith also is chair-elect of the American Association of State Colleges and Universities and serves on the Board of Control for the Southern Regional Education Board. He received a B.A. in social studies from Kentucky Wesleyan College, an M.A. in education administration and supervision from Western Kentucky University, and a doctor of education degree in administration and supervision with an emphasis in secondary and higher education from The University of Mississippi. He also completed the Institute for Educational Management at Harvard University.

Carol Penland is a classroom teacher at South Cobb High School in Austell, Georgia, and has been teaching economics for more than twenty-five years. She is the recipient of the first Teacher of the Year award from the Georgia Council on Economic Education in 1986 and was the founding president of the Georgia Association of Economic Educators in 1994. She has served on local, state, and national committees to write curriculum and is currently working with the Georgia Department of Education to revise the end-of-course test for economics. Penland coached three winning state championship teams in the National Council of Economics Education Stock Market Game and two winning state championship teams in the Chicago Board of Trade Commodity Challenge Game. She earned her bachelor’s and master’s degrees in business education from Georgia State University.

William B. Walstad is the John T. and Mabel M. Hay Professor of Economics at the University of Nebraska, Lincoln, where he has been a member of the economics faculty since 1982 and where he also serves as the director of the National Center for Research in Economic Education. Walstad is also the chair of the Committee on Economic Education of the American Economic Association and serves as the chair of the Research Committee of the National Association of Economic Educators. He has published numerous articles in economics and education journals and conducts national and international workshops on economics teaching and assessment for economics professors. He has served as a consultant to nonprofit and public support organizations, including the National Council on Economic Education, the Kauffman Foundation, the Educational Testing Service, the Pew Charitable Trusts, the Agency for Instructional Television, and the Federal Reserve Bank of Kansas City. Walstad is the author of the Test of Economic Literacy (2001) for high schools, the Test of Economic Knowledge (1987) for middle schools, and the Basic Economics Test (1990) for elementary schools. He received his Ph.D. from the University of Minnesota.

Julie A. Weisberg is senior education program specialist with the Georgia Professional Standards Commission, where she works on developing state standards for the preparation of educators and on applying those standards through the Georgia Educator Preparation Unit and Program Approval System. From 1991 to 2001 she was a professor, department chair, and director of teacher education programs at Agnes Scott College, where she taught science education and educational psychology. From 1988 to 1991 she was assessment specialist at Each Metro Regional Assessment Center, administering the Georgia Performance-Based Certification System for beginning teachers. From 1978 to 1988 she taught science at the middle- and secondary-level schools in DeKalb County, Georgia. Weisberg holds a B.S. in biopsychology from Tufts University, a Ph.D. in neuroscience from the University of North Carolina, and an M.Ed. in education with a concentration in administration and supervision from Emory University.