My friend Dave Davis (aka Hugh L. Davis III) finished his PhD and is now Doctor Dave! Dave’s dissertation was on “The Impact Of Commercial Banking Development On Economic Growth: A Principal Component Analysis Of Association Between Banking Industry And Economic Growth In Europe.” He was very kind and thanked me and fellow PhD students: “To my classmates, Shawn Lowe, Ed Bee, Richard Baker, Greg Bonadies, Patton, Melissa Aho, and Madeline Messick: had it not been because of their friendship, it is doubtful that I would have ever completed this chapter of my life” (pages iv-v). I am sure that Dave would have done just fine without us, but its still nice to be thanked. Thanks Doctor Dave!