*Primer : I'm sorry to CFC for starting the "Ask A ..." Phenomenon. However, we're about 2300 posts into this, so here's the third incarnation. I do my best to answer everyone's questions in a neutral manner (which may be unlike how I state things elsewhere in OT) My background, so you don't have to search, is that I have been employed by the US Federal Government as an Economist since 2003. I have worked in a regulatory capacity involving Anti-Trust Issues and on Civil Rights litigation, where I currently serve as a "in-house expert" on demographic and behavioral patterns of individuals. I hold 3 degrees all in the field of Economics, and an undergraduate minor in Social Psychology. I got my first Master's at George Mason University, so I could be construed as an Austrian, though I feel more closely aligned with McCloskey and Ziliak. I'm somewhat obsessed about dollars and cents. My wife likes that about me. I also serve as GetRichSlowly.Org's site administrator, forums administrator, and occasionally guest columnist. GRS is a highly renowned personal finance website and I am thrilled to be a part of it. I'm currently taking on some additional Economic courses at George Washington University...its a short hop from my office. My current work is mainly on Voting and Election Behavior. As you can imagine, I'm pretty swamped right now. Ask away. If I don't answer your question quickly, surely Whomp or Integral or someone else will be by.