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In previous blogs we have discussed appropriate debt levels for nonfinancial companies and for large banks.  What about for the individual household?  Sometimes, households are ‘credit-constrained’ in that they cannot find borrowers to lend them their desired amounts.  In economic booms, like the housing boom that preceded the 2007-2008 crisis, lending standards tend to soften… Read more

2016 Community Conversation Series: Ventura County Decisions: How We Get Around
Join local thought leaders to hear speakers and data addressing one key staple of life in Southern California – transportation. Moderators will lead small-group discussions. The Cal Lutheran Center for Economic Research and Forecasting (CERF) is convening this community conversation with support from the School of Management. Join us and add your voice to the… Read more

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Financial Markets

Articles and Analysis by Jeff Speakes.
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“The Cal Lutheran economic team has emerged as one of the state's best grounded and far-seeing prognosticators on California's ever-changing, rollercoaster economy.”
Dan Walters, Sacramento Bee Columnist