I have 35 years of experience and specialize in the field of title insurance with specific knowledge in the areas of underwriter and agent obligations to clients, closing procedures and management of defalcation claims. I have published on such topics as fraud, forgery and the integrity of the escrow account, ethical issues for title agents and an overview of the Real Estate Settlement Protection Act. I have testified on Check 21 and regulation CC, good funds legislation, and affiliated or controlled business regulations. I have personally handled a number of serious defalcations involving agency fraud, and have been able to devise strategies and implement plans that have avoided over a $1 million in losses that our company would have incured without prompt decisive action.