Scott Hoyt is senior director for Moody's Analytics. He is responsible for the firm’s consumer forecasts and analysis and is a regular contributor to the Economy.com web site and to Moody’s Economy.com conferences. He is oversees the monthly macro baseline forecast process, is an analyst for CreditForecast.com. He has done custom modeling for credit and consumer sector clients. and regularly speaks to them His areas of expertise include consumer spending, retail sales and industry performance, consumer credit, and other aspects of consumer behavior.Specialties: Consumer economics