Vicky Stein provided research related to the Commercial Paper Co-op and general conceptual as well as editorial support. An independent consultant, she has a wide range of experience in public policy, financial services and advocacy for nonprofit organizations. Prior to consulting, she was a Senior Policy Associate at Robert A. Rapoza Associates representing nonprofit organizations before Congress and federal agencies. As an advocate, she was involved in the legislative process that led to the establishment of the CDFI Fund. Vicky also worked as a staff member of the House Banking Committee and in several other posts on Capitol Hill. Her experience in the banking and financial services sector includes work with the Federal Reserve Bank of New York, Dillon Read & Co., and Merrill Lynch & Co. Her work on this project, particularly in the regulatory arena, was critical to the key concepts and innovations in this book. Vicky holds a master’s degree in International Affairs from Columbia University and a bachelor’s from Middlebury College.