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Good afternoon, everyone, and welcome once again to this first-ever conference sponsored by CREED, the Center for the REstoration of Economic Data here at the Philly Fed. I must begin by giving my thanks to the Philadelphia Fed’s very own Dan Moulton for the introduction, and to the conference organizers for their efforts in bringing us together and leadership in bringing the concept of CREED to fruition. CREED is the result of a collaboration between the Consumer Finance Institute and the Research Department, and as such is an excellent example of our Bank coming together across departments and disciplines to bring something new and exciting to life. Teams like CREED don’t come together without the support of departmental leadership. I thank Bob Hunt and Julia Cheney of the Consumer Finance Institute and Research Director Roc Armenter for their ongoing support of this tremendous and time-intensive effort. And at the outset I must recognize the Philadelphia Department of Records and City Archives as well as the Athenaeum of Philadelphia whose partnership in this long-term endeavor has not only been significant but also vital. Now, if you’ve attended a conference here at the Philadelphia Fed, you know there’s one important piece of business we need to take care of before we get to the heart of any matter — the Fed disclaimer! The views I express today are my own and do not necessarily reflect those of my colleagues in the Federal Reserve System or on the Federal Open Market Committee post: FED'S HARKER DOES NOT COMMENT ON MONETARY POLICY, ECONOMIC OUTLOOK IN PREPARED REMARKS IN PHILADELPHIA