Academy President Rinaldo Brutoco will be joined by Howard Smith, a Morgan Stanley Smith Barney Vice President Wealth Advisor and Estate Planning Consultant. They will discuss: 1) where people should put their capital depending on their short and mid-term investment needs and goals; 2) what the last quarter's retail sales tells us about the economy; and 3) the politics of Copenhagen and its impact on investment in clean energy technology. After the first segment above, Rinaldo and Howard will do a "Lightning Round," a series of quick economic insights and comments on major asset classes, covering matters such as commerical real estate, housing, gold, energy, and the dollar.