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" ... I find it surreal that someone has to tell the president of the United States that hard working, dedicated, and smart officials of America’s central bank, the Federal Reserve Bank, are not boneheads. Yet, this is the current sad and distracting state of affairs to which we have descended. Because all human beings have biases, I believe that it is important that I disclose that I am lucky to have started my career at the Federal Reserve Bank of New York in what was known as the foreign exchange group. That group was and is not involved in matters of monetary policy. I will also disclose that in many of my training assignments since 2008, I have met hundreds of Federal Reserve bank examiners, rule writers, modelers, and analysts from all of the Fed districts; they too are not involved in monetary policy. With this disclosure, here are a few of my observations. ... "