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Speaker Bios Richard Bach, Senior Vice President, Turner Construction, has oversight for the company’s San Diego, Orange County, Phoenix and Las Vegas business units, which combined perform over $350 million in construction annually. Prior to this, he ran Turner’s Logistics subsidiary, which is responsible for the purchasing of materials and equipment for Turner’s $7.2 Billion annual operation. Preceding this, he was the Operations Manager for Turner’s New York Business Unit, which performs $1 Billion of work annually. Thomas Bannon, Chief Executive Officer, California Apartment Association. Prior to assuming his present role, Mr. Bannon was Legislative Advocate for the California Building Association, Director of Political Affairs for the California Association of REALTORS and Government Affairs Director for the Sacramento Association of REALTORS. He holds a Bachelor of Arts degree in Political Science and Psychology and a Master of Arts degree in Public Administration from California State University, Chico. Ellen Berkowitz, Partner, Manatt, Phelps & Phillips LLP. Ms. Berkowitz's practice focuses on the representation of clients' interests before governmental entities in land use, legislative, regulatory, adjudicatory and government contracting matters. Ms. Berkowitz represents developers seeking entitlements from state and local agencies, boards and commissions. Her clients' projects include residential, commercial, mixed-use and industrial developments throughout the southern California area. She also represents businesses seeking contracts and franchises from government entities, with particular emphasis on the oil and natural gas industry and the airport-related services industry. Doug Bibby, President, National Multi Housing Council (NMHC), a national organization of 850 member firms involved in the multifamily housing industry. Under his leadership NMHC represents the industry on Capitol Hill and before the regulatory agencies, promotes research and the exchange of information, and advocates for rental housing across a broad spectrum of issues. Prior to joining NMHC, Mr. Bibby spent 16 years as a senior officer of Fannie Mae, where he served on the company’s Management Committee. Mr. Bibby began his career with the worldwide communications firm, J. Walter Thompson, with which he was the youngest senior vice president in the company’s history. Al Brooks, EVP, Commercial Chief Lending Officer, Washington Mutual. Mr. Brooks oversees all of the commercial lending activities of the bank, including multi-family lending, commercial real estate lending, mortgage banker financing and community lending. Previously, he was division executive of the company’s Multi-Family Lending division, which provides financing for the purchase or refinancing of existing properties with five or more units in 15 major U.S. markets. With nearly 20 years of experience in banking, he previously held positions at Union Bank of California, Wells Fargo, Bank of America, California Federal Mortgage and Sanwa Bank California. Brad Broyhill, Executive Director, Amstar Group, a real estate private equity firm founded in 1987 that has acquired and developed 75 properties, valued at $2 billion. Mr. Broyhill is responsible for all aspects of Amstar’s multifamily investments, including underwriting, due diligence, acquisition, development, investment management, transactional structuring, construction supervision and disposition. Prior to heading up Amstar’s Multifamily Investment unit, Mr. Broyhill managed Amstar’s finance and capital market activities. He has more than 20 years of experience in real estate, structured finance, workouts, investment banking and equity investing in real estate. Michael Cain, SVP, Western Regional Manager, CWCapital. Mr Cain oversees the Origination of Debt and Mezzanine products to including Bridge Debt products and CMBS products. Prior to CWCapital, he was a five-year veteran of GE Real Estate where he served as Regional Director of Structured Finance. In that capacity, he oversaw a team responsible for the origination of structured debt and mezzanine products throughout the West Coast. Prior to joining GE Real Estate, Mr. Cain served as Senior Vice President of Commercial Real Estate for Hawthorne Savings Bank for four years. He also previously worked for San Francisco-based Hanford Healy Company and also served as a Senior Vice President at Sun State Savings Bank. Delores Conway, Director, Casden Real Estate Economics Forecast, USC Lusk Center for Real Estate. Her research areas include multivariate methods, legal statistics, financial models and real estate economics. She has published a series of articles on statistical methods for legal cases involving employment discrimination. She was an associate editor for the Journal of the American Statistical Association for three years and also served as an associate editor for the Journal of Business and Economic Statistics for ten years. In 1997, she was elected a fellow of the American Statistical Association. Ms. Conway has consulted with companies on the application of statistics to medical care, security options, information products, environmental pollution, and statistical evidence in legal cases. Aaron Cook, Managing Director, Private Offerings, Triple Net Properties. Mr. Cook oversees the operations as well as all the capital raising efforts for Triple Net’s Private Placements and the 1031 TIC investment programs. He is also a Director and Officer of NNN Capital Corp. and Triple Net Properties’ Managing Broker Dealer Mr. Cook has been in the financial services industry since 1996 and prior to joining the company he was a Senior Vice President for ATEL Capital Group for nearly four years. Mr. Cook was responsible for all aspects of product development, marketing, and business development for ATEL’s public leasing programs as well as their private placements. Scot Cunningham, First Vice President, Imperial Capital Bank. Mr. Cunningham is responsible for managing sales and support staff in the Western territory, including two regional vice presidents, ten senior loan executives, and seventeen loan officers. His additional responsibilities include hiring and training correspondent field reps, establishment of process and procedures, for compliance, loan commitments, commissions, and all functions necessary for synchronization with the bank’s existing operations. The Western Region’s volume in 2004 was $500 million. Mr. Cunningham previously had positions at Bank of the West, Goleta National Bank and The Associates. He earned an MBA from Golden Gate University. Don Daseke, Chairman, ApartmentMatching.com. He was the founder, chairman and CEO of Walden Residential Properties, Inc., a Real Estate Investment Trust listed on the New York Stock Exchange until its sale for $1.7 billion in 2000. Mr. Daseke has served as chairman or director of nine different companies, including American Auto Exchange Inc., the Dallas Chapter of World Presidents Organization, Galapagos Studios, Inc., and SKH Management, L.P. He received his Masters of Business Administration from the University of Chicago, Graduate School of Business. Jeff Day, Managing Director, Deutsche Bank Berkshire Mortgage. (bio not available) Lew Feldman, Managing Partner, Pillsbury Winthrop Shaw Pittman LLP. Mr. Feldman came to the practice of law after serving in Washington, D.C. as an economic consultant for the Carter Administration. Mr. Feldman has experience with more than $30 billion in debt and equity financings for a variety of projects, including apartments, single-family master-planned communities, industrial and manufacturing facilities, commercial and residential redevelopment projects, successful brownfield remediation efforts and more. He also serves as an American Arbitration Association arbitrator and as an expert witness in real estate finance/public finance litigation matters. He received his JD degree from UC Davis. Christian Garner, Region Manager - Partners Group, GE Commercial Finance - Real Estate. Mr. Garner has 22 years real estate experience with a concentration in mortgage banking and brokerage, lending, equity participation and ownership throughout the Western States. Previously, he was Region Manager for the firm’s structured finance program specializing in high leverage debt for value added real estate transactions. Before joining GE, he was Senior Director at Finova Realty Capital and was instrumental in establishing their commercial property lending division. Preceding his association with Finova, Mr. Garner was a Vice President with the Wallace Moir Company, a regional mortgage banking firm. President & CEO, Marcus & Millichap. Mr. Green directs the activities of one of the largest investment real estate brokerage firms in the nation, including over 900 investment specialists. During his 34-year career, Mr. Green has initiated the close of real estate transactions valued at nearly $2.4 billion, including retail properties, office buildings and apartment complexes ranging in value from $1 million to $40 million. He has been involved in every aspect of the real estate industry including development, commercial leasing, investment sales and firm acquisition. He also was responsible for the development and implementation of the firm's investment real estate training program. Bradley Griggs, EVP & Chief Investment Officer, BRE Properties, Inc. He oversees a team of 40 local market development and acquisitions professionals responsible for the strategic deployment of capital in BRE's core Western U.S. markets. Prior to joining BRE, Mr. Griggs was the senior vice president of real estate for the Western United States, for Homestead Village, Inc. In that position, he was responsible for developing more than 36 limited-service hotels with a value of approximately $400 million. He also served as senior real estate executive in the single-family home industry for The Fieldstone Company, Inc., and Ryland Homes, Inc., in Southern California, overseeing the development of more than 5,000 production homes. Keith Guericke, President & CEO, Essex Property Trust. Mr. Guericke has held the position of President & CEO since 1988. He joined the company's predecessor, Essex Property Corporation, in 1977. Focusing on investment strategies and portfolio expansion, Mr. Guericke prepared the company for its IPO in 1994. Since 1994, under his leadership, Essex Property Trust has significantly increased its multifamily portfolio in supply-constrained markets in the West Coast region. Previously, Mr. Guericke worked with Kenneth Leventhal & Company, a CPA firm noted for its real estate expertise. W. Dean Henry, President, Legacy Partners. During his career, Mr. Henry has been directly responsible for the development of more than 30,000 multifamily units in the Western Region of the United States. Mr. Henry came to Legacy Partners in 1973 and after fostering the company's growth in Seattle, Denver and Portland for fifteen years, he was promoted to senior partner in charge of developments for the entire Western Region in 1989. In this position, he became widely recognized as an expert in the multifamily real estate industry. His broad knowledge based on Legacy Partners activities allows him to make accurate predictions and forecasts about the viability of the markets in the Western United States. David Jacobson, Senior Vice President, Sales & Marketing, SARES REGIS Group. A recognized marketing leader in the fluctuating real estate market of the last 33 years, Mr. Jacobson has the ability to create programs that set new trends. Prior to his present position, he was vice president in charge of Southern California operations for Regis Homes, Inc. In addition to his experience with Regis Homes, Mr. Jacobson served as Southern California general manager for Crow-McCarthy Development Co. Previously, as vice president of National Homes Construction Corporation, Mr. Jacobson was responsible for multi-family group marketing. He earned an MA degree in Management and Marketing from Ball State University. Frank Jansen, Senior Vice President, Chicago Title. Mr. Jansen has been responsible for the national marketing and coordination necessary to close over $100 billion in commercial and industrial real property transactions within a special unit of the company that delivers elite and personal service to attorneys, developers, brokers, lenders and investors throughout the U.S. Previously, Mr. Jansen was a vice president of commercial industrial sales and was responsible for marketing the title insurance for, and handling closing coordination on over $10 billion in real property transactions throughout Los Angeles and Southern California. Brett Johnson, Research Analyst, RBC Capital Markets. Mr. Johnson focuses on the Apartment REIT, Office REIT, Mall REIT and Specialty REIT sectors. Prior to joining RBC, he held positions including Financial Analyst at the largest multifamily developer and lodging operator in Panama, Director of Real Estate Acquisitions and Development for a small private equity firm focused on real estate investments, and Research Analyst at Robertson Stephens in Real Estate Equity Research. Stanford Jones, VP/Investments, Director National Multi Housing Group, Marcus & Millichap. Over the past 25 years, Mr. Jones has become one of the top brokers in the western United States specializing in the multi-family market. He exclusively represents many of California’s largest property owners and has also represented many of the nation's major institutions. Mr. Jones is currently involved in the ownership of 1,000 apartment units in California, which has enabled him to view the financial operation of apartments from an owner’s perspective, including a realistic view of operations, financing, physical conditions, etc. Michael Katz, Senior Executive Vice President, Sterling American Property, Inc. To date, Sterling American Property has created and managed four real estate investment funds that have purchased $2.5 billion in real estate assets in 62 transactions in 43 states. Mr. Katz joined Sterling Equities in 1973 and currently serves as a Senior Executive Vice President. He is Co-Chief Executive Officer of the Sterling American Funds with day-to-day responsibility for the management of their investments as well as leading and directing Sterling Equities' and Sterling American Funds' in-house financing departments. He is a CPA and earned a MBA from Bernard M. Baruch College. Mary Ann King, President, Moran & Company, a national apartment investment and brokerage firm. In 1983, Ms. King joined Moran & Company in Chicago as its Vice President of Acquisitions and Finance. From 1983-1993, she was responsible for identifying and financing joint venture development opportunities for its investor clientele. In 1994, Ms. King became licensed as a broker and sold the first property ever listed by Moran & Company’s newly formed brokerage division. Since that time, she has been responsible for some 51% of the $5.8 billion in apartment transactions handled by her company. She received a Masters Degree in City and Regional Planning from Harvard University and a MBA from Northwestern University. Kevin Kleen, EVP, ARCS Commercial Mortgage. He has overall national responsibility for multifamily underwriting units at ARCS, and currently supervises 42 staff members in four regional offices. He is also responsible for managing ARCS’ small loan program which is being used as a vehicle for training and developing loan producers and underwriters. Since Mr. Kleen joined ARCS in 1997, the company’s DUS portfolio has grown from $1.28 billion to more than $13 billion. Prior to joining ARCS, he held posts at Home Street Capital and Mellon Mortgage. William Lindsay, Partner, Pacific Coast Capital Partners, LLC, a full service real estate investment firm and lender. Since its formation in 1998, Mr. Lindsay has helped generate more than $1B in floating rate senior, high leverage senior and mezzanine loans and joint venture equity investments throughout the western U.S. The company co-invests with institutional investors and manages a commingled fund of institutional investors including banks, insurance companies and foundations. Mr. Lindsay formerly was a partner in Gibson, Dunn & Crutcher, LLP, co-heading its real estate department. He earned his law degree at U.C. Berkeley and was law clerk to Chief William H. Rehnquist, of the U.S. Supreme Court. Michael Lowinger, President & CEO, Hanover Financial Company, a provider of joint venture real estate equity and Mezzanine loan. Prior to joining Hanover, Mr. Lowinger was Managing Director of Heller Real Estate Financial Services. Mr. Lowinger was responsible for overseeing Heller's real estate debt and equity investments and asset management activity for the Western United States as well as overseeing the management of offices and staff in Los Angeles, Newport Beach, San Francisco, Seattle, Denver and Phoenix. He holds a MBA with emphasis in finance from Pepperdine University. Laurie Lustig-Bower, Executive Vice President & Managing Director, CB Richard Ellis. With more than 17 years of multi-family sales experience, Ms. Lustig-Bower and her team of real estate professionals have sold nearly $1 billion of investment properties in the Los Angeles area. Ms. Lustig-Bower has consistently ranked in the top 3% of the approximately 3,000 CB Richard Ellis’ brokers nationwide and for more than a decade, the Los Angeles Business Journal and other Media named Ms. Lustig-Bower as one of the top multi-family brokers in Los Angeles County. In 2003, Ms. Lustig-Bower was promoted to Executive Vice President, a title she shares with less than 50 CB Richard Ellis brokers nationwide, which is based upon business volume. Henry Manoucheri, CEO, Universe Holdings Development Company, LLC, a 100-person multifamily full-service real estate firm which currently owns and manages nearly 2,500 units throughout Southern California. Mr. Manoucheri founded Universe Holdings Development Company in 1995, following a 15-year career with Marcus & Millichap as a top performing broker who achieved Top 20 status nationally within that company and sold more than $400 million of property across all commercial product types. Mr. Manoucheri began acquiring multifamily properties for his own portfolio in the mid 1990’s and then departed his brokerage position to focus full-time on his new venture. Steve Otos, Senior Director, Pacific Security Capital. Prior to joining PSC, Mr. Otos served with Morgan, Cox and Slater, a strong regional mortgage banking firm and Wells Fargo Bank respectively. Mr. Otos brings a tremendous background in both direct lending and mortgage banking to PSC and has had great success in multi-family and hospitality lending. In addition to his many activities with PSC he has been actively involved with the Mortgage Bankers Association and numerous other industry associations and civic organizations. Curtis Palmer, Managing Director, Transwestern Multi Housing Capital Advisors. Prior to his association with Transwestern, Mr. Palmer was a Managing Director with Colliers International where he was directly involved in over $1 billion of investment sales and financing transactions including three of the largest apartment sales in the country during 2004. Prior to Colliers International, Mr. Palmer served as Senior Managing Director with Insignia/ESG advising clients on sales, debt, equity, and joint ventures relating to acquisitions, dispositions, new development, and re-development of apartment properties throughout the U.S. In this role, he handled over $1.5 billion in sales. He earned a MBA from the Graduate School of Business Administration at the University of Miami. Geoff Palmer, Sole Proprietor, G. H. Palmer Associates. Mr. Palmer holds a Juris Doctor degree from Pepperdine University School of Law and was admitted to the practice of law in the state of California in 1975. In 1978 he established G. H. Palmer Associates, a diversified real estate development company. Since that time, the firm has been involved in a variety of projects in the development of residential and multifamily properties in the Southern California area. To date, he owns a portfolio of approximately 9,000 units in Los Angeles County. He is currently developing rental housing in Downtown Los Angeles. Marc Paul, President & Co-Chairman, SCI Real Estate Investments, one of the largest Tenant In Common (TIC) 1031 Exchange Sponsors in the U.S., with a portfolio of institutional quality properties valued in excess of $800 million. Mr. Paul was a co-founder of SCI in August 1994, following 17 years as head of the REO Property Sales Divisions for Prudential, The Jon Douglas Company, and Merrill Lynch. He supervises the company’s investment sales team and specializes in placing 1031 exchange investor equity into TIC ownership programs. He also serves as a Vice President of the Tenant-In-Common Association (TICA) which SCI helped to found. Sonia Ransom, Partner, Allen Matkins Leck Gamble & Mallory LLP. Ms. Ransom, a residential land use partner in the firm's Los Angeles office, has co-chaired the firm's Land Use, Environmental, and Natural Resources Department and served as Allen Matkins' Marketing Partner, as well as on the firm's Compensation Committee. Ms. Ransom's recent transactions include serving as land use counsel for SAMS LLC, a venture of Kearny Real Estate, Morgan Stanley, and Catellus, the developer chosen by the U.S. Air Force to modernize the Los Angeles Air Force Base, and representation of Chadmar Group in its efforts to develop 1,050 single family homes on former Fort Ord. She works closely with government entities throughout California and had a 2004 transaction revenue in excess of $1 billion. James Ratkovich, CEO, James Ratkovich & Associates. The company's team of professionals has historic development and finance knowledge in diverse product types, including for-sale residential, office, industrial, and retail, as well as master-planned communities. Currently, James Ratkovich & Associates is focused on the acquisition and development of luxury condominium and mixed-use opportunities in the western continental states, Mexico and Hawaii. With over twenty-five years of real estate experience, Mr. Ratkovich has been a principal in numerous mixed-use urban projects throughout the west coast and Hawaii. Kevin Ratner, Senior Vice President-Development, Forest City Development. Mr. Ratner began his affiliation with Forest City in 1995. Over the last 6 years, he has been involved extensively in the development of over 1500 in-fill housing units throughout California. Mr. Ratner is continuing the family tradition of real estate development, following his grandfather and father into the family business. He holds a Masters in Real Estate Development from the University of Southern California. Marc Renard, Executive Director, Cushman & Wakefield. Mr. Renard is responsible for the firm’s multifamily brokerage activities on the West Coast. He joined Cushman & Wakefield in 1983 to provide transaction origination and advisory services to institutional clients. During his career with the company he has sold more than 250 properties with an aggregate value in excess of $5.0 billion. His team of professionals covers a geographically diverse area, which encompasses all the major markets on the West Coast. He has marketed properties in California, Arizona, Utah, New Mexico, Colorado, Washington, Oregon, Texas and Nevada over the past 18 months. He has distinguished himself as a leader within C&W over the years and has been recognized with various industry honors. Gregory Rickard, Senior Vice President/District Manager, KeyBank Real Estate Capital. Mr. Rickard has been involved in over $2.75 billion of real estate financing transactions. Since joining KeyBank N.A.’s Commercial Real Estate group in 2002, he has repositioned KeyBank as a leading lender in the greater Los Angeles area with about $425 million of deal originations completed in 2004. Prior to KeyBank, Mr. Rickard was the principal of Rickard & Associates, Inc., where he served as a real estate finance and capital markets advisor to real estate entrepreneurs and lenders from 1999 to 2001. Mr. Rickard earned his MBA from American Graduate School of International Management. Bill Saul, Managing Partner, Hendricks & Partners, the nation’s largest real estate firm focused exclusively on the sale of multifamily properties. Mr. Saul is directly responsible for corporate strategic planning, business development, and expansion of the existing 30 offices to 50 offices nationwide. Hendricks & Partners was involved in a total transaction volume of $4 billion in 2004 for acquisitions and dispositions for apartment projects. Mr. Saul was formerly with Colliers International, JPI Development, and Trammell Crow. Jim Shaw, President & CEO, CapHarbor, a real estate brokerage company dedicated to assisting investors who are using a 1031 exchange to locate and acquire appropriate replacement property nationwide. Prior to forming CapHarbor, Mr. Shaw worked at Jones Lang Wootton, TRI, Haseko, Inc. and Cohen Financial. Mr. Shaw has been involved in buying, selling, financing, leasing, and managing real estate with a value of more than $3 billion and compromising virtually every form of real estate property. George Smith, Chairman, George Smith Partners, Inc., a real estate financing and consulting company which funded more than $2.34 billion in transactions in 2003 and a total of more than $11.0 billion since the company was formed. Mr. Smith is a recognized specialist in real estate financing. He has personally originated in excess of $10 billion in all types of real estate financing and has overseen between $23 billion and $25 billion of financing during his career. Previously, he was chairman of George Smith/Grubb & Ellis Financial Services. Mr. Smith holds an MBA from Harvard Business School. Darryl Steinhause, Partner, Luce, Forward, Hamilton & Scripps LLP. Before joining Luce Forward, Mr. Steinhause began his career at Cahill, Gordon & Reindel, a major New York law firm, where he specialized in tax and securities law. In 1995, Mr. Steinhause pioneered the tenants in common syndication structure with TMP Investments, Inc., which structure and documentation is currently utilized by numerous national sponsors. Mr. Steinhause has served as legal counsel on syndication deals representing over $1 billion of real property, including the acquisition of Puente Hills Mall, the largest single asset acquisition by a tenant in common sponsor to date. Mark Strauss, Director, Cohen Financial,
a real estate investment banking firm that originated over $4.5 billion in
financings through its 11 nationwide offices in 2004. Since helping to open
the company's Southern California office in November 2001, Mr. Strauss has
participated in closing over a billion dollars of both debt and equity on
behalf of his developer and investor clients. One of his areas of
concentration and expertise is in funding TIC transactions where he has
closed approximately $400 million in financings. Nancy Sulse, Vice President/Regional Manager, Fremont Investment & Loan. Ms. Sulse joined Fremont in 1995 as an asset manager and was asked to transfer into originations where she originated more than $500 million in loans, prior to her current position. Her transaction experience encompasses all types of commercial properties, ranging in size from $5 million to $85 million. Prior to joining Fremont, Ms. Sulse worked for a large LA-based construction company as a senior estimator for tenant improvement projects. Kitty Wallace, Senior Vice President, Sperry Van Ness. Ms. Wallace joined the company in 1997 and has set records and exceeded performance standards within Sperry Van Ness. In the past four years, she has closed over 100 multi-million-dollar transactions, making her the number one multifamily agent in Los Angeles County and record holder for its highest ever cost-per-unit and cost-per square foot deal. She repeatedly holds her place as one of the number one agents on the Westside and is among the top 1% of 1% of investment brokers in the nation. Bradley Wilmot, Vice President, JP Morgan Mortgage Capital. Under his leadership, the Western Region has originated and securitized in excess of $5 billion in both fixed and floating rate transactions. In 2004, JPMorgan closed $7 billion of CMBS product and is on track to close in excess of $10 billion in 2005. Mr. Wilmot has 15 years experience in the commercial real estate finance arena. Prior to joining JPMorgan Mortgage Capital, Mr. Wilmot was head of the Western Region for Finova Realty Capital, and he has also held positions in CB Commercial’s mortgage banking group, as well as a mortgage lending affiliate of the Bank of New York. Brian Wirtz, Managing Director, Bascom Northwest Ventures, LLC. He has overseen over $230 million in multifamily acquisitions representing over 2,600 units since 2003. Mr. Wirtz’s real estate background includes 19 years in commercial real estate, primarily in acquisitions and development. He was a Vice President of Acquisitions and Redevelopment with Essex Property Trust and Avalon Bay Communities. In that capacity, Mr. Wirtz directed the acquisition of over 8,000 units totaling over $750 million on the West Coast. William Witte, President, The Related Companies of California, a developer of urban and multifamily housing. Related currently has over 6,000 units of affordable and mixed-income housing developed or under development in California. Prior to joining The Related Companies in 1989, Mr. Witte served as Deputy Mayor for Housing and Neighborhoods under Mayor Art Agnos in San Francisco, where he oversaw all housing, development and redevelopment activities for the City, and, from 1981 to 1988, as Director of Housing and Economic Development under Mayor Dianne Feinstein. He also served as an appointed Commissioner of the San Francisco Housing Authority in 1989 to 1990. Gary Zimmerman, Senior Economist, Federal Reserve Bank of San Francisco. Mr. Zimmerman's research, analysis, and outreach activities support both the Economic Research and Public Information Departments. From 1996 to 1999, he served as the FDIC’s San Francisco Regional Economist. His research has focused on economic and banking topics in the Twelfth District. He has written articles on the high-tech sector, the effects of the Asian crisis on the regional economy, and the cyclical behavior of industries like high-tech, aerospace, and construction. Other research has covered community bank performance, banking industry competition, and foreign banking activities in California. |
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