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Richard Berner is a Managing Director and Chief US Economist. He is responsible for directing the firm’s forecasting and analysis of the US economy and financial markets. Before joining Morgan Stanley in 1999, Dick was Executive Vice President and Chief Economist at Mellon Bank Corporation and a member of Mellon Bank’s Senior Management Committee. Previously, he served as a Principal and Senior Economist for Morgan Stanley, as a Director and Senior Economist for Salomon Brothers, as Economist for Morgan Guaranty Trust Company, and as Director of the Washington, DC, office of Wharton Econometrics. Dick also served as Economist for the Board of Governors of the Federal Reserve System, where he co-directed the Fed’s model-based forecasting efforts.