You need your next great read or gift for the upcoming holiday season. And then we will have a q a session after mehrsa reads, about 15 minutes, and if you have a question, just make sure that you get the mic from cspan or someone with them before you ask the question. So Mehrsa Baradaran joined the georgia law faculty in the fall of 2012. Shes associate professor of contracts and banking law. She previously taught banking regulation, property and Administrative Law at Brigham Young university. During her time there, she was named the [inaudible] professor of the year by the student bar association. Her book, how the other half banks, has been featured in the new york timeses, the atlantic, slate, americanbacker and other american banker and other national and International News and radio outlets. Previously, baradaran was a fellow at the New York University school of law and practiced law at davis, polk and yardwell in new york city. She earned her degree from Brigham Young and nyu wh