Milton C. Toby, JD, has enjoyed a lifelong involvement with horses, as an exhibitor of American Saddlebreds; as a competitor in hunter, combined training, and dressage events; as a steward for the American Horse Shows Association; as a director of the Kentucky Horse Council; as a journalist; and as a photographer. He is the author of Dancer's Image: The Forgotten Story of the 1968 Kentucky Derby, Taking Shergar: Thoroughbred Racing's Most Famous Cold Case, and Col. Sager, Practitioner, which recounts the experiences of the late Col. Floyd Sager, one of the country's most prominent equine veterinarians. Karen L. Perch, PhD, JD, has extensive experience as a financial planner and counselor, and in estate planning, estate tax, and probate matters. She has authored numerous publications in those areas, and has appeared frequently as a guest on local television and radio programs. She also served on a United States Department of Agriculture-sponsored, multistate research project involving farm family finances.