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PHILLIP J. ANDERSON is an Australian economist, businessman and internationally acclaimed commentator. He is widely regarded as the foremost expert on business, real estate and commodity cycles. Anderson graduated from RMIT University in 1985 with a degree in accounting. He is founder and managing director of Economic Indicator Services (EIS), an economic forecasting service operating out of London and Melbourne. Phil is the author of The Secret Life of Real Estate and Banking and also writes for Agora Inc., founded in 1979 and headquartered in Baltimore, Maryland, and one of the largest and most successful consumer newsletter publishersin the world.