Scott E. Harrington, an adjunct scholar, is professor in the Health Care Systems and Insurance and Risk Management Departments in the Wharton School of the University of Pennsylvania. A former president of both the American Risk and Insurance Association and the Risk Theory Society, he has published articles in numerous academic and policy journals including the Journal of Business, the Journal of Law and Economics, the Review of Economics and Statistics, the Journal of Financial Intermediation, the Journal of Risk and Insurance. He is coauthor or coeditor of numerous books including Cycles and Crises in Property/Casualty Insurance and coauthor of the McGraw-Hill textbook, Risk Management and Insurance.