Ms. Nguyet (Moon) Nguyen Associate Professor Mathematics & Statistics Cafaro Hall 643 phone: (330) 941-1805 ntnguyen01@ysu.edu ntnguyen01.people.ysu.edu Intellectual Contributions 2018 "Using the Hidden Markov Model to Improve the Hull-White Model for Short Rate" International Journal of Trade, Economics and Finance, volume 9, p. 54-59