My early work and publications centered around expanding on the analysis of life insurance in my dissertation and its relationship to investment banking.

My father had not even completed high school when he started as an office boy working for the Metropolitan Life Insurance Company, and I am not sure that my mother completed high school.

When it came time to go to college, I had been accepted for Harvard when my father was offered the position of head of the Metropolitan Life Insurance Company office on the west coast, and we moved to San Francisco.

Remember kids, I have life insurance.

I went back to graduate school with the clear intention that what I wanted to do with my life was to improve societies, and the way to do that was to find out what made economies work the way they did or fail to work.

My wife bought an extra life insurance policy on me.