The panelists will offer their perspectives on what caused the financial crisis. They will discuss financial bail-outs and stimulus packages and explain their views on what needs to be done. They will also consider the question, "Would actuaries have made a difference?" and provide their thoughts on whether the crisis has revealed ERM to be worthless or underscored the necessity for a more rigorous approach to ERM. Attendees are invited to bring their questions so that a lively dialog can transpire between audience members and the panelists.