Dr. Mark Zandi is Chief Economist and co-founder of Moody's Economy.com, an independent subsidiary of Moody's. 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 asset market bubbles. Zandi holds a Ph.D. from the University of Pennsylvania, where he did research with Gerard Adams and Nobel Laureate Lawrence Klein. 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. 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 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 financial crisis. The Victim's Fortune, co-authored with Richard Wolffe, earned the prestigious Best of Knight-Bagehot Award. George Chacko is Associate Professor of Finance at Santa Clara University's Leavey School of Business, former Associate Professor at Harvard Business School, and Managing Director at IFL. With Anders Sjoman, he co-authored Credit Derivatives: A Primer on Credit Risk, Modeling, and Instruments (Wharton School Publishing). Carolyn L. Evans, Associate Professor of Economics at Santa Clara University, specializes in international economics and political economy. She has worked at the Federal Reserve Bank of New York, the Federal Reserve Board of Governors, and the White House Council of Economic Advisers. Hans Gunawan, Senior Financial Analyst at Skyline Solar, holds an MBA from Santa Clara University. Anders Sjoman, senior researcher for Harvard Business School's Paris-based Europe Research Center, holds an M.Sc. from the Stockholm School of Economics.