The students participate in a brief trading activity that shows how financial institutions bring savers and borrowers together, thus channeling saving into investment. The students then learn how a growing business gains access to funds, often starting as a proprietorship but at some point ñgoing publicî to issue securities that are then traded in secondary markets. Students see that although popular attention is focused on these secondary markets, it is in primary markets that firms actually gain access to capital. These points are reinforced through a case study of AppleÍs ñmissing billionaire,î a co-founder of the famed technology company who left after only two weeks.