I have 25 years of experience, and specialize in the field of economics with specific knowledge in the areas of financial services, credit analysis and mortgaged backed securities. I have over 25 years experience working in a broad spectrum of financial services, as well as institutions affecting financial policy. These have included the Congressional Budget Office in National Security International Affairs, Merrill Lynch capital markets in debt trading strategy, the Federal Deposit Insurance Corporation and Resolution Trust Corporation where I evaluated assets from insured financial institutions from all over the country and Bank of America corporate audit in global corporate investment banking. My various positions have involved me in the evaluation of all types of financial instruments and balance sheets. Most recently I focused on analytical tools for managing credit. I have a Ph.D. in economics from Princeton and am a certified public accountant.