We've had a busy year here at RiskProf. Things are settling down and posting will resume next week. it is hard to believe that we've missed all the excitement with AIG, financial services regulation, and liability reform. However, as the time consuming projects are winding down I find that I will have time to resume regular posts. I'd also like to welcome a new member of RiskProf, Professor Elizabeth Brown. Prof. Brown recently joined our faculty from the St. Thomas University Law School. While she is a lawyer (a graduate of the University of Chicago Law School, she also worked as a professional economist for a number of years. She will fit in nicely with our group of economists and economist/lawyers. Her research is on financial services regulation and she will be a welcome addition to our department and Riskprof.