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PENGUIN REFERENCETHE PENGUIN INTERNATIONAL DICTIONARYOF FINANCEGraham Bannock is a graduate of the London School of Economics and author of several books on fináncé and business. He has worked in markét research for Ford and Rover, and in economic research at the O.F.C.D. and The Economist Intelligence Unit, of which he was managing director. He is now with Graham Bannock and Partners, an economic research and computer software company in London. He is co-author of The Penguin Dictionary of Economics, and two of his other books, The Juggernauts: The Age of the Giant Corporation and How to Survive the Slump, are alsó published by Penguin.William Manser is an economic and financial consultant, for-merly economic adviser to Baring Brothers. He is a fellow of the Royal Society of Arts and the Royal Statistical Society and the author of numerous books and articles on fináncé, trade and economics.