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Terence M. Yhip is an economic consultant. He was previously a commercial banker and Visiting Fellow in the Department of Economics at the University of the West Indies in Mona, Jamaica. He holds a Ph.D. in economics from McGill University. Alongside Alagheband, Yhip is the coauthor of The Practice of Lending.
Brian Alagheband is an economic policy consultant at Hydro One in Ontario, Canada. He holds a M.A. in Economics from York University.