Federal Reserve Bank of St. Louis Annual Report 2012 – Published May 2013:  “In our annual report, you will learn about our work, our people, our mission and our results. As in the past, we also feature an essay on a timely topic that is central to America’s economy. This year’s essay focuses on the need to rebuild household balance sheets in the wake of the financial crisis, a need that is important not only for families but for the economy overall. The co-authors [Ray Boshara and William Emmons] are the director and chief economist for the St. Louis Fed’s new Center for Household Financial Stability.”