Joseph M. Santos directs the Ness School of Management and Economics at South Dakota State University, where he also leads the Dykhouse program in Money, Banking and Regulation. Joe’s research includes measuring the burdens of financial regulation and the credibility of monetary policy, chronicling and assessing the efficiency of early twentieth-century commodity futures markets, and evaluating the distribution of instructional resources across institutions of higher education. Joe earned his Ph.D. in economics from Rutgers University.