DAVID M. JONES, PhD, is President and CEO of DMJ Advisors LLC and Chairman of the Board of Directors of Aubrey G. Lanston & Co. Inc. From 1968 to 1972, he was vice president and financial economist at Irving Trust Company in New York, and previously he was with the Federal Reserve Bank of New York, where he was head of the Business Conditions Section and an economist for the Domestic Trading Desk. Dr. Jones received his MA and PhD from the University of Pennsylvania and his BA with honors from Coe College. He has written Fed Watching and Interest Rate Projections: A Practical Guide; Politics of Money: The Fed Under Alan Greenspan; and, most recently, The Buck Starts Here: How the Federal Reserve Can Make or Break Your Financial Future. Dr. Jones has also lectured at many seminars and banking schools. He is a frequently quoted Fed commentator and often appears on CNBC, CNN, and other network news shows.