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For him. This portion looks at the Lessons Learned from the housing and financial crises of 20072009, and what you cities have done since event to prepare for future market fluctuations. This is one hour 15 minutes. Its my pleasure to invite tracy gordon who is a senior fellow in the brookings urban tax policy center, she is a leading scholar and specialist in the air of state and local finance. We are so delighted to have her as part of the urban team and working on these issues, shes going to present work and research she done with colleagues at ucla, and kick off our next panel conversation. Tracy. Thank you very much, erika, thank you to my colleagues at the urban institute and the Lincoln Institute of land policy put together such a terrific program, very excited to be a today talk about some of my work with my coauthors at ucla and uc berkeley. First i wanted to take a couple minutes to explain why my paper is different from the previous paper that was discussed. First, argued of

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