I have 35 years of experience, and specialize in the field of economics and finance with specific knowledge in the areas of banking, credit scoring and supervisory and regulatory policy. I have published on such topics as banking regulation and supervisions, credit scoring and macro economic policy. I have testified on bank loan and deposit rate setting, bank mergers and acquisitions and securities issues in banking acquisitions. I’ve appeared on national TV and radio more than 80 times in the past two years.