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Money, Banking, and Financial Institutions
A Contemporary Approach

v1.0 Robert Carbaugh
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Acknowledgments

My story for writing this book began in 1973 when I taught money and banking as a graduate instructor at Colorado State University. I proceeded to teach this course at South Dakota State University, University of Wisconsin–Eau Claire, and Central Washington University where I retired from teaching in 2022. When COVID-19 appeared, I found myself teaching online courses at home, and I had extra time to devote to research and writing. So I decided that the time had come to convert my money and banking lecture notes and class handouts into another textbook—I am also the author of International Economics, 18th edition (Cengage Learning) and Contemporary Economics, 8th edition (Routledge). My career as an economics textbook author has been a labor of love.

Many former students and faculty colleagues have shared their opinions and expertise regarding what constitutes an interesting and useful money and banking book. I am pleased to acknowledge those who provided helpful suggestions and, often, detailed reviews of my manuscript:

  1. Tom Daves, South Dakota State University

  2. Jim Egan, University of Wisconsin–Eau Claire

  3. Liang-Shing Fan, Colorado State University

  4. Koushik Ghosh, Central Washington University

  5. David Hedrick, Central Washington University

  6. Shirley Hood, Central Washington University

  7. Fred Kolb, University of Wisconsin–Eau Claire

  8. Al Kretzman, Colorado State University

  9. Yurim Lee, Central Washington University

  10. John Olienyk, Colorado State University

  11. Duane Oyen, University of Wisconsin–Eau Claire

  12. Terutomo Ozawa, Colorado State University

  13. Peter Saunders, Central Washington University

  14. Chad Wassell, Central Washington University

  15. Darwin Wassink, University of Wisconsin–Eau Claire

It has been a pleasure to collaborate with the staff of FlatWorld in the preparation of Money, Banking, and Financial Institutions: A Contemporary Approach. I benefitted greatly from the help of Sean Wakely (vice president, Product and Editorial), KB Mello (managing editor), Briana Leonard (digital editor), Nina Fuller (copyeditor), and Izza Thapa (graphic designer) who participated in the production of this book. I also wish to recognize the efforts of the following instructors who provided reviews of my manuscript for FlatWorld:

  1. John A. Burkhart, Bluffton University

  2. Abdur R. Chowdhury, Marquette University

  3. AnaMaria Conley, Regis University

  4. Les Doss, University of Texas at San Antonio

  5. Shirley J. Gedeon, University of Vermont

  6. Joanne Guo, St. Joseph’s University

  7. Suzanne K. Hayes, University of Nebraska at Kearney

  8. Allison Shwachman Kaminaga, Bryant University

  9. Steven Kent, CFA Molloy University

  10. Ioannis Kospentaris, Virginia Commonwealth University

  11. Charles Meyrick, Housatonic Community College

  12. Leonie Stone, SUNY Geneseo

  13. Jesse Veenstra, Dordt University

  14. Irene S. Wilder, Jefferson Community College

  15. Aisling Winston, SUNY University at Buffalo

  16. Liping Zheng, Drake University

I would appreciate any comments, corrections, or suggestions that faculty or students wish to make, so that I can continue to improve this textbook in the years ahead. Please contact me. Thank you.

Bob Carbaugh

carbaugh@cwu.edu