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*Please use the following to introduce Todd at your event, this is to read aloud. Introduction for Todd Hirsch • I'm delighted to introduce you to the Chief Economist of ATB Financial, Todd Hirsch. • He holds a BA Honours in Economics from the University of Alberta and an MA in Economics from the University of Calgary. • Todd has worked as an economist at the Canadian Pacific Railway, the Canada West Foundation and the Bank of Canada. • He released his third book, Spiders in Space: Successfully Adapting to Unwanted Change, in April 2017. • Todd spends most of his time connecting with audiences across the country through presentations and media. He also writes an economic update every day. It’s called The Owl and you can subscribe at atb.com/economics • Please join me in welcoming Todd Hirsch.