## Darrell Duffie

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9vTouDhm1eOkRPzfprozjSFNj6GFz9HH5T8Mgx00OapYy3BWeQa1qG3qXQDMyCQGjdi2l1Em81ta1qTNc5+GZ9cYWnopuaTYQczZx2GxwUqePsWIRnczOefbI47pXJ3Fmbb8gizaN46v1WvBFtsTaczMJqoFskQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBBL+L/FBCD9W/l2/9Y1P3m19q6+c+5fzT5Q5+TV1nM8EeYr4qMQ3/c8rSuk3ToMEu4n6+5c3BybZn11mFYnDoFih+aPzP/6zxX+HN9vIve+0/wAc+f8AhvxaPnuX5vmsrxnFcctNC2Ow/Wm4A4yfRcfnJydn6F7GXdTgrW83jWy8V65Zo/UXkw8Kl4aUscuFldnFpBcpYxGQZGCM93Qd466aKs9tT6n1P/RtjOWHhfN81w/JTZHENC9ieF68jWAeQdhEJvozEPXUGVufgryxixauVDvNpO4LuJsW5iF9HYtddWdvDqtsJfTKP5iPUOtQCtI9O3NGOyO9PCTzM2mmruJiJP79q8+323imc9YU+nD59mczk81k7GUylgrV6yW6aYtOvTRmZm6MzN0Zm8F3UpFIxGi8Rhlzju1qq7dHalTdn/5cFXj0nzn3oh3WO/MJz6pUjgsjSyMkLaQ27ULvMOng+oEDO/v0XJb7bxTOYzCs8cOFznIsvnM1LmspP94vzGJkbszC2zTaIi3RhHTRmXXx8VaV2xotEYb3NebZjmOWjymWCELMcI1xauJAGwSIm1YiN9dTfzVeDgrxVxUrXDqcT6981xmIpYqCtj5K1CEK8DywmRbIxYW1fuM2ujexc1/t3Ha02nPVWeOGlkPWXld7kOJz0leiF3DtM1UY4SGN/vA7D7jb3d+nh1ZXr2NIrNeuLJikYwqcZ6h8jxnMrPLaZxx5O5JLJZi2v2DabqQEG7Xbro7dfFlpftqW44pOkJmsYw2KHqbncfZ5BPSq04P8yg8eQiCM2jHcJiTwjv8Akcu4Tv4tqot2tbRWJmfh0RtaXCed8g4ZkJLuGkDWePtT15hc4pGbqLkLOPzC/g+qtz9vXljFk2rEtPG2pLfKatuXRpbN+OaRh6NuknYn0b2aur3jFJj1E6K2b9rJ/aL+laQl0Qeo3MAjDS4BWYwaOPIHXrldEGbRmG0QPN0boz7tfesP6vH6PyzOPYjbDSxfLM5jaxVYJY5qxSPO0FuCG0AzP0eUGnGTYb6dXbx81a/DW05n9OhMNaxncvZguQWLJSx5CwFy5uYXeSeNiETd9NW0aQujdFaOOsTGI06JwzVOUZ2paoWq9nbNjICq03cAIRgNzc4iEmcTEu6erEz66qLcVZiYmNUYZanL85VltlEUDw3jGWzSkrV5KrmDaAY1yB4gIW6M4iyieCs49XrnPtNrXscjzVksiU9lzfKjGF75QZjCEmOIWZmZgYHBtGHT2KY4qxjEaGFatErUOUZ4M7LngtkOVnIinsMIaHvbaYnHpsISbo4uOjrP6Ndu3HRGIZLvLs9cnpSyTBEOOkaejXrwxQQRSsTF3BhiEQ3O4tq7t1UV4axE+sxCqs2JrNmazOW+acyllPRm1MycifRva7rSIxGEsakEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQS/i/xQQgusXzTl+JqDSxeZuUqgu5DXgmIAZyfUn2t7XWV+ClpzNYmUTWG3/uX6if+S5H/AKg/61X+rxf8wbYP9y/UT/yXI/8AUH/Wn9Xi/wCYNsKnL57N5qwFjL3p8hPGHbjlsG8hCGrvtZ38tXWlOOtIxWMJiMNBXBAQEBAQS7u/i+qCEBAQEBAQEBBv4H+O4397g+1FU5PlnyJ0ZMHh5c1ySliIjaI79oa7Sk2rAxno5O3ntbqo5L7KTb0QiZxDp6UlDI3LNHj3CBzGKqv2yl/vR3yF3cRmOeI9sZHt1YWj2t4aOue0TWIm19tp8sI85V8GCebhZjHSd82XIIsfGLj9f89Y/qOun/E06e1aTyY5Nfh2Z/XUz1eZ+Djrcq0czUyGYx0cktzGwjKz7YGd5+xMQtHM8TM7kw+TPt1SO40mYmKz4/jQ3LDK8XwR4/jVibKU8K9/FQHocc0hSzPLKxzS9kS7Y/RbeXs8OipTmtm0RE2xYidVLFxXs5i9icxeDGWqBbDBoZ7ZSP7Yxrieo6aFud26Oy1nmzWLVjMT+XvTlaVeKhjZOS1bzQ3Xgwn3/HWwZ3AhlmgeKePcwkL7DdtCbVurLOebdtmOnxYn9UZaXpzjKmT5fVp2qg34jhtG1M922SSKrJJGL7HEvpi3g6v3V5rSZicae9Np6N/kdHN18S/3zhFTDjMQRBdhCw0gyE+oiG+xKOpaadRWfFas26Xm3s/0iPNXZTiNTGBar2s7THM0QcrWL2zfKY/ThGxt7RTD5iz6a9NVpTmm2Jis7Z8f29CYlsRcCd7FfGWMxUq8hthGcGIlGXXdMLFFFLYYe1HLIxNoLv01ZndlWe46TMRM1jx/ZG5r0+HxPh48tlsrBiKp256DxzRTSzNNXYHNu3EJPo3c6v5ae9la3P8AFtrG6cZTl6Lg16DK5KpeuV6tLEhFLcyruZwPHYZnrvEIM5yFMxM4Cza+3TR0/sRNYmImZt4e/wBhueoeCWLeRw8GOyEF2hnLD1KmREZAAJw0c4pojZjjIWJn97PqzqJ7iIicxia9cI3MkfBqUtCxkYuRUTpY8xiy0rR2NYCk1aPtg4brDGQuIuH9HVRPcTnG2czpp+INzFa4NaiKy9a9BcijxzZilJExt96qb9krxiTMQnFoTmBeQupjuI6ZjHXHlKdyqtYWarhKGVllBhyUk41q3XuPHXcRKZ/La5u4t7xdaxyZtNfQnKuVwQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBBL+L/FBCAgICAgICAgICAgICAgICAgICAg38D/Hcb+9wfaiqcnyz5E6PNDJW8XmYMnTJgt0rA2ICdtW3xnubVvNunVTakWridJgw6MMn6ftlRzUY5WnK0w2iw0DQFD3RPubAtEbE0W7w3ROTN06rn2cu3b8M+v8Ab91cS8xc8OGA7MMGzKPyEeQRs/zQNtEvqnfXc/zF7PBTPb5nHhs2m17j5Bw/GXbmawsV78UtRWI6tGy0TV6hWwKOQu8JOc2wZCaNtg+Wvgonj5LRFbYxGPzx7jEvFrL8IyuPwkGTHI1p8TQjpTnVGGQbDAZntbuGHb036MfX+z06zFOSs2mMfFOfIxLe/wBwat58y9iW7g5sjbisw28XtklaCCHsR1JXI4CcBFhJiYvpeLKn9aYxjFsR4+9G1hy3Ocddt5KYI7ZtcwMOHCSyQyTPNFJGTyynr8zE0b9fHVTTt5iI06WymKqThmZo4bkMN+8Mp1GhswytAwlIzWK8kOosTiL6PJr1dbc9JtXEa9Pem0Zh6mbh1OIbOIu5M8lXKOSq1mtXCLeBsTbyCYy8vJlEfUnpaK485/0dW3n8jwvKz5DLiGQhymQc5nxzND92isyvuM2sORSFFudyYO2z+W7zVeOvJXFemI8fHHkiMt6Tk3ELmar8oyEF38ZieGazjYmi+6WLNcRYZO+5dyMDcGIx2O/jo6pHFyRXZGNvp8cGJ0U2Z5H+KYCCnMJfiDZG/kLMujNGT3Wi6D116FGWq1pxbbZ8MRHsTEdVvZ5lhchYyVS/BZHD5Srjoykh2PYgs42uMQTCBOwGLvvZxcm1F/FnWUcFqxExjdEz7JlG1ON5fgcNdwNfHRWpsTib5ZO5YnGMLFiYwaL5IxIgjAAHQW3u79Xd0twWtFpnG6Yx5E1mVDQzFevxzM4swN58lLTkhNtNotWOQi3ddevcbTRb2pM3rPoz+qcdV/gMpevZjjBYiIHmwNNq94bc0MEMkRWZXmZykMWeMorG0vPx6LDkpEVtu/8AU9PZ+yJjVUc3yWOu544MS7vhMZGOPxOr6614NW3+XWQ3KR/ite3pMV+L5p6ymsdFAtkiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIJfxf4oIQEBAQEBAQEBAQEBAQEBAQEBAQEG/gf47jf3uD7UVTk+WfInRpys7zGzNq7m+jN8VaNBktUb1Rwa3WmrPI26PvRnHub2juZtUi0TpIk8dkY4CsSVJwrgXbOcojaNj/Vcnbaxe5N0Zxky8xU7s0E1iGtLLBXbWeWOMiAG/8AmTM7D/Kk2iJxkbnI8MWEzlzFHM05UzYHmEdrFqAnqzO76fSVeK++sW9KInK4l4VjqzUwv8kpUrd2tBbCvLDbdgCyDHGxyBEYN0fr7FlHPM5xWZiJx4eCN3qUWVw+QxWRuY+5E42KErw2tvzAJs+jfO3TQv0fatqXi0RMeK0S1hgnJ4xGIyKZ9IWYXdzfXT5NG+br06K2YG1Bi5PvctW/3MfJHDJLtlglc9wA5CDgzbm3u2m5+jeL9FSb9Mx1MsMOOyM8ZSQ1J5QAO4ZhEZCIdW3u7M7MPR+qtNojxHmrTuXJe1Tglsy6bu3CBSFo3i+0Gd9Em0RqEFS3Yn+714JZ7HX6mMCOT5fH5RZy6eaTaIjMiYaN6ew9WCtNLZbXdXCMykbb46gzOXT4JNoiM5GEwMCcDFxMX0ISZ2dnbydnUiEB2Z/FtUBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQEBAQS/i/wAUEICAgICAgICAgICAgICAgICAgICDfwP8dxv73B9qKpyfLPkTo2uL0q17ltCpZuPj4ZbTMVwSYCjdnch2mWgiTkzCJP0Z31VeW0xSZiM9ETo7fkD3i4JmY8pSu0ZortGWrDlL/wB9mdykMJJIwMRMGcX0Ih+Uv5Fx8ePqVxMT0nSMKRq2L2fyNz1T5NQs3zmxMtXJwPUKTWs4R0zOJmDXZq0g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[**David K. Backus**](http://www.stern.nyu.edu/experience-stern/about/departments-centers-initiatives/centers-of-research/global-economy-business/events/david-backus-memorial-conference)

[**Memorial Lecture** ](http://www.stern.nyu.edu/experience-stern/about/departments-centers-initiatives/centers-of-research/global-economy-business/events/david-backus-memorial-conference)

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)

***Friday, September 21, 2018***

[**Darrell Duffie**](https://www.gsb.stanford.edu/faculty-research/faculty/darrell-duffie)
***The Dean Witter Distinguished Professor of Finance Stanford University***

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)

NYU Stern School of Business
Henry Kaufman Management Center

**Photos**
