THE AUTHOR IS INDEBTED TO Michele Allman-Ward, who provided assistance in Chapter 9, and with whom he authored an earlier book in the Wiley Essentials series. Michele is a distinguished consultant, lecturer, and author, and has encyclopedic knowledge of global treasury management practices.

Chapter 10, “Information and Working Capital,” was coauthored with Arthur C. McAdams, associate dean in the School of Business at the University of Bridgeport (Connecticut). He was senior vice president and director of information systems at People's Bank (Connecticut) leading the implementation of several strategic initiatives, and has many years of experience in systems development and project and process management.

Acknowledgment is also extended to Sheck Cho, Helen Cho, and Judy Howarth, my Wiley editors; and to my former colleagues and clients at First National Bank of Chicago (now JPMorgan Chase) and the team at Sagner/Marks.

You may have questions about the ideas presented in this book. If so, e-mail the author at [email protected] with your inquiries. However, a good place to start is to ask your bankers for ideas; they are often on the leading edge of current practice and have access to helpful product information.