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Senate Judiciary Committee; National Conference of Bankruptcy Judges; University of Texas; Loan Syndications and Trading Association Annual Conference; Institute for Law and Economic Policy; NYU King-Seligson Roundtable; UNC Institute for the Study of the Americas; Clifford Symposium on Tort and Social Policy (Chicago); Frank W. Koger Bankruptcy Symposium (Kansas City MO); Utah Bankruptcy Bar Forum; Middle District of North Carolina Bankruptcy Seminar; Town Hall on Detroit Bankruptcy (Detroit MI); North Carolina Bar Association; Montana Bar Association; UNC Center for Civil Rights; UNC Dunlevie Honors Colloquium; National Federation of Municipal Analysts Annual Meeting; Peterson Institute for International Economics; American Bankruptcy Institute; Petrie-Flom Center; Cooper-Walsh Colloquium; AcademyHealth; Harvard Joint Housing Center; UNC Sheps Center for Health Services Research; National Symposium of U.S. Court of Appeals Judges; DOJ/United States Trustee Program Public Meeting; Rethinking Regulation working group; National Workshop for Bankruptcy Judges; Law and Society Association; and talks or conferences at schools including Penn, Duke, Harvard, Yale, Georgia State, Emory, Georgia, Georgetown, Washington University, Brooklyn Law School, University of Toronto, Missouri, Wisconsin, Colorado, Seton Hall, Miami, Chicago-Kent, Universidad Complutense de Madrid, Loyola-New Orleans, Widener, Kansas, Pepperdine, Campbell, Illinois, and Villanova.