jeancharles.grand@skema.edu Jean-Charles Grand is former student of ENSAE ParisTech.  He is currently a PhD candidate in finance at SKEMA Business School (in partnership with the Université Côte d'Azur). His thesis, which focuses on country risk, is supervised by Michel-Henry Bouchet and Florencio Lopez-de-Silanes.  He also studied psychology, law, and criminology at the University of Paris VIII.  He worked for almost eight years in risk management as a quantitative analyst ?for banks and insurance companies.