Finance is the study of price versus value. It includes the creation and management of money, credit, investments (assets) and liabilities. It consists of the study of financial systems, institutions and instruments (such as stock markets, commercial banks, and bonds). Students work to develop an understanding of these elements while acquiring the skills needed to succeed through various courses, projects, and extracurricular offerings. Recent finance graduates are employed in organizations such as IBM, GE, Credit Suisse, State Street Bank, Citigroup, Duff & Phelps, Vanguard, Scott Trade and Boeing. Others have gone on to do graduate work at Berkeley, Cornell, Wharton, Harvard, NYU, and Northwestern.