I have been interested in the operation and behavior of the capital markets since the mid 1970s when I first began to invest in stocks and acquire commercial property. Over the next thirty years, I honed my investment experience and developed an understanding of market dynamics as a retail investor navigating the tumultuous ups and downs of the debt and equity markets. During that time I pursued my doctoral training and an acclaimed academic career in human physiology and neuroscience. From that experience I developed the requisite foundation for understanding the neurological and psychological basis of human decision making--knowledge that has proven instrumental to my current success as