Ivan Van de Cloot studied economics at the University of Antwerp and was a research assistant for two years in the domain of public finances. As a consultant, he helped to prepare the liberalization of the gas and electricity market in Belgium. After that he worked as an economist for the research department of ING/BBL for 6 years. On top of cyclical analysis, he specialized in the analysis of structural characteristics of the Belgian economy. Ivan wrote about pensions but also about the liberalization of railway traffic, economic aspects of immigration, entrepreneurship and healthcare. As a commentator for financial and economic events, he often appears in the written and audio-visual media. He is equally Executive professor at the Universiteit Antwerpen Management School and has a column in De Tijd. Ivan Van de Cloot is for Itinera author of The pension book and co-author of the Grey gold, in which a strategic vision is developed for respectively our pension system and eldercare.