Summary: Will the government stimulus programs save our economy or make it worse? Are jobs coming back? And are we looking at another foreclosure crisis? Today's guest is a leading economist; recognized authority & commentator on personal finance, U.S. housing, and economic trends. Cristian deRitis is Deputy Chief Economist at Moody’s Analytics. He was named on two U.S. patents for credit modeling and he created loss forecasting and stress testing systems for financial institutions.