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this program is presented by university of california television like what you learn visit our website or follow us on facebook and twitter to keep up with the latest uctv programs also make sure to check out and subscribe to our youtube original channel uc-tv prime available only on youtube thank you very much um our panel today is uh the basics of restructuring alternative paths to reform were going to be answering a lot of the questions that came up in the first panel we have a great uh lineup for you i am not going to read every bit of the um bios theyre in your packets but let me uh introduce our speakers in the order in which theres they will speak so our first speaker will be tom lockhart whos the managing director of public finance at stone youngberg he has been an investment banker since 1984. our next two speakers are going to do a kind of a tag team approach as a presentation and uh to my right is natasha carl who is a lobbyist uh and has been with the national im sorry