About the author
Clifford L. Fry, who has a Ph.D. in Economics, has worked in academia, the Federal Reserve, private banking, and consulting, and has published research in peer-reviewed journals in economics and finance. He has devoted years of service to the International Rett Syndrome Foundation, as a board member, a regional representative for Texas, and chair of the Family Empowerment Board. A songwriter and musician, he is the founder of Dr. Fry's Texas Medicine Band. His songs are available on streaming services and YouTube. Clifford currently resides with his wife and daughter in College Station, Texas.