Anna Scherbina is a nonresident senior fellow at the American Enterprise Institute (AEI) and a professor of finance at Brandeis University’s International Business School. At AEI, her research is focused on behavioral finance, cybersecurity, investment management, asset pricing, and real estate as an asset class. Joel Lander is a consultant and cofounder of Tatari Inc. He earned his PhD in economics at UCLA and worked at the Federal Reserve Board of Governors as an economist.