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I was very fortunate to attend Brigham Young University. I graduated with a master’s degree in accounting, and I’m not sure I was really aware at the time of what a great education I had received. When I entered BYU I wanted to play football, but once I began taking accounting and business classes at the Marriott School, I realized I had much better prospects in accounting. 
“Citius! Altius! Fortius!” Heralding the commencement of the 2002 Winter Olympics, the 360-member Mormon Tabernacle Choir reverberated John Williams’s “Call of the Champions” across Rice-Eccles Stadium.
For nearly two decades, Eric Olsen was solidly employed as a manager in the high-tech sector. But, last year his employment streak ended when he and 1.7 million other Americans were laid off.1 
Nothing in the economic corner of our culture elicits more collective fascination than the stock market. Media attention, conventional wisdom, parental advice, folklore, and scandal all seem to work overtime when it comes to “the market.” U.S. equity markets at the dawn of the twenty-first century are unique in terms of the broad participation of individual citizens—both the wealthy and middle class.