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Dr. Mark Zandi is Chief Economist and co-founder of Moody's Economy.com, an independent subsidiary of Moody's that provides economic research and consulting services to businesses, governments and other institutions. His recent research has included: studying determinants of mortgage foreclosure and personal bankruptcy; analyzing economic impacts of tax and government spending policies; and assessing policy responses to bubbles in asset markets. Zandi holds a Ph.D. from the University of Pennsylvania, where he did research with Gerard Adams and Nobel Laureate Lawrence Klein; and a B.S. from Wharton. He appears regularly on ABC News, Wall Street Week, CNN, and CNBC. Satyajit Das is an international expert in financial derivatives with 25 years’ experience in the markets. He has worked on both the sell and buy sides of the derivatives business: for banks such as Citicorp Investment Bank and Merrill Lynch; and for clients, as Treasurer of the TNT Group. His highly-regarded financial references include Swaps and Financial Derivatives, 3E, Structured Products and Hybrid Securities, 2E; and Credit Derivatives, CDOs and Structured Credit Products. John Authers, investment editor for The Financial Times, serves as its main commentator on international markets. Authers speaks worldwide, and appears frequently on major US and global media, including the BBC, CNN, MSNBC, NPR, and PBS. He was recently honored as the UK's Investment Journalist of the Year for his ft.com coverage of the early days of the financial crisis. The Victim's Fortune, co-authored with Richard Wolffe, earned the prestigious Best of Knight-Bagehot Award.