I have 35 years of experience, and specialize in the field of property and casualty actuarial services with specific knowledge in the areas of commercial insurance, workers compensation, and reinsurance. I have published on such topics as loss reserves, reinsurance commutations, and common causes of insurance company failures. I have testified 25 times on topics such as financial reporting, loss reserves, and reinsurance. I have spent considerable time advising federal emergency management association (FEMA) and other government agencies regarding proposed legislation to create a national natural catastrophe reinsurance fund backed by the federal government.