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Are right. Good afternoon. Thank you for coming. My name is dan simundza. On a Research Scientist at the global forum on urban and regional resilience. On behalf of all my colleagues at the form id like to welcome you to two nights special event. Its an honor for me to have the opportunity to introduce our speaker tonight, doctor Susan Wharton gates. Dr. Gates wrote that freddie mac for nearly 20 years at times help position of the edge of the copies research magazine, compiler of credit risk data for the board of directors, policy director for freddie macs top login is some coordinator of the risk group and primary writer of ceo congressional testimony. She served as Vice President of the Public Policies and of corporate strategy. Our fascinating book days of slaughter which she will discuss shortly provides an insiders view of the implosion of the u. S. Housing finances. Since her time at freddie mac dr. Gates has worked as an academic, a consultant and an entrepreneur. Shes taught c

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