Lacker, Jeffrey Malcolm and Federal Reserve Bank of Richmond. "The Economic Outlook, January 2010 : Speech : Maryland Bankers Association, Baltimore, Maryland" in Statements and Speeches of Jeffrey M. Lacker (January 8, 2010). https://fraser.stlouisfed.org/title/6827/item/678678/content/pdf/lacker_20100108, accessed on January 18, 2026.