Dr. Sandra G. Gustavson, CEBS, CLU, ChFC is the Bradford McFadden Professor of Personal Financial Management and Associate Dean for Faculty and Research in the Terry College of Business at the University of Georgia. She is a past president of the American Risk and Insurance Association and was named the 1992 Insurance Educator of the Year by the PIA Insurance Foundation. Dr. Gustavson's research and teaching interests are in the employee benefits and financial planning areas, and she is the coauthor of the textbook Risk Management and Insurance, 11th edition. E-mail: sgustavson@terry.uga.edu.

For more information, see Dr. Gustavson's vita.

Contact Information: 339 Brooks Hall, University of Georgia, Athens, GA 30602-6255; Phone: 706-542-3690; Fax: 706-542-1061