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Author:Daly, Mary C. 

Journal Article
Performance of urban information technology centers: the boom, the bust, and the future

After being emblematic of the U.S. economic surge in the late 1990s, urban areas that specialize in information technology (IT) products have more recently been struggling with the aftermath of the IT spending bust. To what degree can they bounce back and reemerge as leaders of innovative activity and production in the IT sector? We examine the characteristics of some of the nations leading IT centers, linking these characteristics to a discussion of economic research concerning the sources of growth in urban industrial centers. Although each of these IT centers was hit hard by the IT bust ...
Economic Review

Journal Article
Understanding state budget troubles

FRBSF Economic Letter

Becoming Owners: The Business Case for Customer-Centered Banking

Remarks at Symposium on Asian Banking and Finance, Singapore, Mary C. Daly, President and Chief Executive Officer, Federal Reserve Bank of San Francisco, June 3, 2019.
Speech , Paper 196

Journal Article
Rising price of energy

FRBSF Economic Letter

Journal Article
Relative comparisons and economics: empirical evidence

This Letter reviews the empirical evidence on the extent to which individuals' sense of well-being or happiness is related to metrics of the well-being of others.
FRBSF Economic Letter

Bloom Where You’re Planted

Remarks at Syracuse University Commencement, Syracuse, New York, Mary C. Daly, President and Chief Executive Officer, Federal Reserve Bank of San Francisco, May 12, 2019.
Speech , Paper 195

Ambassadors of Hope

Virtual Presentation at The Preuss School Graduation by Mary C. Daly, President and CEO, Federal Reserve Bank of San Francisco, Thursday June 18, 2020

Working Paper
Left behind: SSI in the era of welfare reform

SSI was established in 1972, born out of a compromise at the time between those wanting to provide a guaranteed income floor and those wishing to limit it to individuals not expected to work: the aged, blind, and disabled. SSI is now the largest federal means-tested program in the United States, serving a population dominated by low-income adults and children with disabilities. With other forms of federal support devolving to state programs (e.g., welfare), policymakers pressing to redefine social expectations about who should and should not work, and the Americans with Disabilities Act ...
Working Paper Series , Paper 2003-12

Journal Article
Why is wage growth so slow?

Despite considerable improvement in the labor market, growth in wages continues to be disappointing. One reason is that many firms were unable to reduce wages during the recession, and they must now work off a stockpile of pent-up wage cuts. This pattern is evident nationwide and explains the variation in wage growth across industries. Industries that were least able to cut wages during the downturn and therefore accrued the most pent-up cuts have experienced relatively slower wage growth during the recovery.
FRBSF Economic Letter

Journal Article
Retirement savings and decision errors: lessons from behavioral economics

Long gone are the days when most American workers could rely on their employers to manage their retirement savings. Today, most people handle their retirement portfolios themselves, gaining the right and responsibility to determine their own best strategies. Research on retirement planning suggests, however, that many fall short of consensus targets for optimal savings and investment. While part of the shortfall is explained by information gaps and income constraints, research in behavioral economics suggests that "decision errors," arising out of human tendencies such as procrastination, ...
FRBSF Economic Letter


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