Chuck Kremer, CPA, is Senior Business-Literacy Consultant for Boulder-based Educational Discoveries. An originator of The Financial Game for Decision Making ," he teaches financial-literacy courses to managers and executives around the country. Ron Rizzuto, Ph.D., is a professor of finance at the University of Denver, where he co-founded the entrepreneurship program at the Daniels College of Business. John Case is executive editor of the newsletter division at Harvard Business School Publishing. A former senior editor and senior writer for Inc. magazine, he is the author of numerous feature stories and several books on entrepreneurship and open-book management.