The Annual Meeting of the American Finance Association will be held January 4-6, 2013, in San Diego, California. Papers presented at the Annual Meeting of the Association traditionally include both submitted papers and papers solicited by the session chairs. By doing so the Directors of the Association encourages both the broadest possible participation and the highest quality meeting. I encourage you to submit your best paper for this meeting. All submitted papers must be accompanied by an abstract of at least 200 words, but no more than 300 words. Submissions must be made by 5PM (EST) March 15, 2012, and will be made via the program website at SSRN, which is accessed from a link on the Annual Program page at www.afajof.org. All papers must be submitted as pdf files. In creating your PDF files, please be careful to use the Distiller from Acrobat 4.05 or better and select 'Embed all fonts on the Distiller Settings/Job Options/fonts menu.