Seminar Three:
	Michael Luzier
	President National Association of Home Builders Research Center Michael Luzier became President of the NAHB Research Center in January 2003, bringing with him over 20 years of experience in the housing industry.   Prior to joining the NAHB Research Center, Luzier developed and led the NAHB Regulatory Affairs Program as a senior vice president. He earned a masters degree in Regional Planning at the University of Pennsylvania, and a B.A. in Political Science at Virginia Tech.
	William P. Killmer
	Group Executive Vice President, Advocacy National Association of Home Builders William (Bill) Killmer has over twenty years of government relations/public policy experience in Washington, D.C. For the past seven years, Bill has overseen the operations of all policy-based outreach for NAHB.  Prior to this position, he served as NAHB’s Senior Staff Vice President within the Government Affairs area.  Bill holds a Bachelor’s degree in Business Administration with a concentration in finance and economics, from Baylor University.
	Seminar Two:
	Gerald Howard
	Executive Vice President and Chief Executive Officer National Association of Home Builders Jerry Howard has over 20 years of association experience and a lifetime in the housing industry. Jerry began his association career at the National Association of Realtors, where he served as a Legislative Analyst for tax issues. Prior to joining NAHB, Jerry served as the chief lobbyist for the National Council of State Housing Agencies where he was instrumental in the development of the low-income housing tax credit as part of the Tax Reform Act of 1986. Jerry came to NAHB as tax counsel in 1988 and served in a variety of roles, including Chief Lobbyist. Jerry was promoted to Executive Vice President & Chief Executive Officer in February 2001. Before embarking on his association career, Jerry practiced real estate law in his home state of South Carolina. His exposure to the housing industry has literally encompassed a lifetime; Jerry grew up working in a variety of roles for his father, a developer. Jerry earned a Bachelor of Arts from the University of Vermont and received his Juris Doctorate from the University of South Carolina. He, his wife Christina and their children Eirann, Meaghan and Sean live in Virginia, just outside of Washington, D.C.
	David Seiders
	Chief Economist and Senior Staff Vice President National Association of Home Builders Mr. Seiders is responsible for NAHB’s forecasts of housing and economic trends, survey research, and analysis of markets for building materials and construction labor as well as government policies that affect the housing sector of the economy.  Mr. Seiders writes several regular columns on housing and the economy, and he appears regularly in the print and broadcast media.  He is a member of a variety of economic forecasting panels, including Blue Chip and Consensus Forecasts USA.  He has testified before Congress and federal regulatory agencies on the housing and economic outlook, monetary and fiscal policy, banking and housing policy issues.  Prior to joining NAHB in 1984, Mr. Seiders was a Senior Economist at the Federal Reserve Board in Washington.  In 1981-82, he was the Chief Policy Analyst for Housing Finance with President Reagan’s Commission on Housing.  Mr. Seiders received a BA degree in Economics, with highest honors, from LaSalle College in Philadelphia, and he holds a Ph.D. in Economics from the Pennsylvania State University.  He has taught undergraduate economics and housing policy at the graduate level.
	Seminar One:   Timothy Eller CHAIRMAN AND CHIEF EXECUTIVE OFFICER Centex Corporation Committee Assignment: Chairman, Executive Committee Timothy R. Eller joined Centex Homes’ Illinois operation in 1973 and was named Project Manager for the division in 1975. He became Vice President of the company's Minnesota division in 1977 and the division's President in 1981. In 1985, he was named an Executive Vice President of Centex Real Estate Corporation/Centex Homes and was elected the division’s President and Chief Operating Officer in January 1990. In July 1991, he was named President and Chief Executive Officer of Centex Homes. He served as Chairman of Centex Homes from April 1998 until April 2003. In August 1998, Mr. Eller was named Executive Vice President of Centex Corporation and became the company's President and Chief Operating Officer in April 2002. He was elected to the Board of Directors of Centex in July 2002 and assumed the additional roles of Chairman and Chief Executive Officer in April 2004. Mr. Eller has a B.S. in construction management from the University of Nebraska. Mr. Eller is currently Chairman of the High Production Home Builders Council of the National Association of Home Builders and is a life trustee of the National Housing Endowment. He is the immediate past-Chairman of the Policy Advisory Board for Harvard University’s Joint Center for Housing Studies and continues to serve on its Executive Committee.

East Carolina University