Robert Stowe England is an author and financial journalist who writes frequently about retirement income issues, financial institutions, financial markets and population aging. From 1999 to 2003 he has served as director of research for the Global Aging Initiative at the Center for Strategic and International Studies in Washington, D.C. CSIS published three books authored by Mr. England on the impact of global aging on government spending on the elderly, the global economy, and financial markets. In 2005 Praeger Publishers and CSIS jointly published his book Aging China, which examines the impact of population aging on China’s economic prospects. In 2011 Praeger published his book on the financial crisis titled Black Box Casino: How Wall Street’s Risky Shadow Banking Crashed Global Finance. Mr. England is senior writer of Mortgage Banking and has written extensively for the magazine since 1988. He also writes regularly for Institutional Investor, BAI Banking Strategies, American Banker and the Economist Intelligence Unit. He was Washington correspondent for Plan Sponsor Magazine from 1993 to 2003. Mr. England is a graduate of Duke University with a B. A. in English.