The Baltimore Business Review – A Maryland Journal is a collaborative publication developed and supported by the CFA Society Baltimore and the College of Business and Economics at Towson University. Articles are sourced from thought leaders across Maryland. The 2018 Baltimore Business Review represents the ninth edition. Many individuals have worked tirelessly on this edition. First, we want to thank all the contributors who wrote a variety of thought provoking and informative articles. We also would like to extend special thank you to the editorial team, Farhan Mustafa from CFA Society Baltimore and Jian Huang and Lijing Du from Towson University, and the design team, Rick Pallansch and Chris Komisar from the Towson University Creative Services.