Christopher Whalen is co-founder of Institutional Risk Analytics, a unit of Lord, Whalen LLC, the Los Angeles based provider of bank ratings, risk management tools and consulting services for auditors, regulators and financial professionals. He leads IRA’s risk advisory practice and consults for global companies on a variety of financial and regulatory issues. Christopher is the author of the new book, ‘Inflated: How Money and Debt Built the American Dream.’ Christopher currently edits The Institutional Risk Analyst, a weekly news report and commentary on significant developments in and around the global financial markets. He also contributes articles on the Reuters and Zero Hedge web sites. Christopher has testified before the Congress and the Securities and Exchange Commission on a range of financial and other issues. Christopher is a Fellow of the Networks Financial Institute at Indiana State University.