which is still being footed by the taxpayer in the us now these are issues that dr lanty pham former principal analyst and financial economist at the congressional budget office was beginning to explore in her work there that was back in two thousand and ten but as soon as she started writing about things that this baby other like she was fired that's according to her now she's here to tell us her story and what these issues are that are still so important to housing to the mortgage market to taxpayers homeowners and pretty much anybody that's watching this show so first of all welcome to the show dr pham we're very happy to have you on. so first let's back up for those of our viewers in our audience who are not familiar with your story let's first start out with who you are and how you came to work for the congressional budget office in the first place. well prior to coming to the congressional budget office and was an actual professor at the university for a brief time teaching graduate students in the graduate program the use of economics to examine policy. i was still very intere