Alan Winger U of Kentucky (Adjunct Professor); Free Lance Writer   1378 Estates Hill Circle Lexington, Kentucky 40511 United States   wingerar@bluegrass.net     Biographical Sketch: Economics professor at University of Kentucky and Florida; research economist at Federal Reserve Bank of San Francisco; Director of research at Federal Home Loan Bank of Cincinnati. Publications: Three very ordinary books and about 35 refereed jounal articles, some of which weren't bad.   Primary Research Focus: Urban, regional and real estate economics   JEL Areas: