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In a presentation at the 23rd Annual Washington Economic Policy Conference, Dean Baker discussed the effects that the housing bubble has on mortgages and potentially will have as prices return to historically-standard levels. Other members of the panel were Douglas Ducan, Chief Economist, Mortgage Bankers Associaiton of America, and Anthony Yezer, Professor of Economics at the George Washington University. The panel was moderated by Carl Tannenbaum, Chief Economist, LaSalle Bank. The National Association for Business Economics and the Association for University Business and Economic Research hosted the conference.