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  Eugenio J. Aleman, Ph D - Wells Fargo Securities Eugenio J. Alemán is a director and senior economist at Wells Fargo. He forecasts national, regional, and international economic trends. His primary focus is the United States, including interest rates and the Texas economy. Eugenio is also an expert on theeconomies of Mexico, Brazil, and Argentina. Within that area, his specialties include the economies of border towns that trade with Mexico and the Maquiladora manufacturing sector along the Mexican border.  He is based in Minneapolis. Erik Doersching, “Midwest Product Changes and Product Trends by Area” Tracy Cross & Associates, Inc. Erik Doersching is Vice President and Managing Partner of Tracy Cross & Associates, Inc. The firm is involved in all facets of feasibility, product planning, marketing and business strategy development, and assists builders, developers, and their financial partners to better meet the ever-changing demands of the marketplace. The firm continues to represent major Chicagoland developers and builders and their lender partners, as well as numerous other public agencies and governmental bodies   Chris Huecksteadt, “Midwest Geographic Housing Trends by Price and Volume” Metrostudy Chris Huecksteadt is the Director of the Chicago market for Metrostudy, the nation's largest real estate advisory and consulting service. Metrostudy maintains detailed information on over 5,000 developments in the Chicagoland area alone and provides data, analysis, feasibility studies and absorption forecasts for its clients.  Metrostudy's Metrosearch software program is an integral tool providing builders, developers and lenders a means to track the housing market both here and nationally.     Steve Hovany, “General Nature of the Economy and Demographics” Strategy Planning Associates With over 30 years of experience in Chicago area growth and development both as Chief Planner for Naperville and Director of Planning for Schaumburg, and over fifteen years experience as a consultant to residential home builders, developers, and municipalities, Mr. Hovany is a recognized expert in Chicago area community growth and land development, combining the disciplines of Market Research and Urban Planning.