What a difference a few years can make! In the ’90’s our nation had a great surplus and people of all socioeconomic levels were doing better. We now have banks failing and homes being foreclosed on just to name a bit of our problem.  Dr. Tim Koch is a professor of banking and finance at the University of South Carolina’s Moore School of Business. He has also written textbooks that are being used in state banking schools. Dr. Koch will help clarify how we got where we are and share some ideas of how things can be turned around.

Carl will help pay tribute to a man who helped bring about great change in our nation and the world: Dr. Martin Luther King, Jr.