Casualty Actuarial Society

Mr. Carlson is a Consultant with Pinnacle Actuarial Resources, Inc., in the Dublin, Ohio office. He holds a Bachelor of Science degree in Mathematics from the University of Oregon in Eugene and also attended Valparaiso University. He has worked in the insurance industry since 1979. Mr. Carlson is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. He is currently the President of the Casualty Actuarial Society. Previously, he has served the CAS in various other capacities including as a member of the Board of Directors, Vice President of Professional Education, member of the Executive Council, Chairman of the Ratemaking Research Committee, Chairman of the Ratemaking Seminar Committee and faculty member of the Ratemaking Seminar, Casualty Loss Reserve Seminar and Predictive Modeling Seminar. Mr. Carlson is a frequent speaker at industry meetings on topics related to personal lines pricing and actuarial standards of practice. Mr. Carlson was a member of the Casualty Committee of the Actuarial Standards Board from 1997 through 2006 and served as the Committee Chair in 2005 and 2006. He currently sits on the Board of Directors of the American Academy of Actuaries. Prior to joining Pinnacle in 2005, Mr. Carlson was employed for over twenty-five years with the Nationwide Insurance Companies. His varied assignments included personal lines ratemaking in automobile and homeowners, rate filings and regulatory compliance, reserving in the personal and commercial lines as well as assumed reinsurance. He provided actuarial assistance to a subsidiary third party claims administrator. His involvement with assumed reinsurance included analysis of asbestos and environmental liability both in the U.S. and London Markets and analysis of various potential commutation opportunities. He was involved in due diligence teams in the review of potential acquisition candidates.

Alan M. Pakula is an Associate of the Casualty Actuarial Society, and a Member of the American Academy of Actuaries. He has served as a Managing Actuary at the New Jersey Department of Banking and Insurance. Prior to that, he was an actuary for the Reliance Insurance Company. Mr. Pakula has over 12 years of experience in the actuarial field. Mr. Pakula has been involved in actuarial projects including:

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Ben joined AutoOne in October of 2001 as the company was being created. Ben is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. He has over 17 years of property-casualty insurance experience, specializing in personal lines and specifically in the New York assigned risk auto market. Prior to joining AutoOne, Ben was a consulting actuary with Milliman USA in New York, where he was the designated personal auto expert for the New York office. Prior to Milliman, Ben spent nearly three years as the supervising actuary for the Robert Plan Corporation, a leading servicing carrier for assigned risk business throughout the country. Ben began his career at the CIGNA Companies in Philadelphia where he held positions in the homeowners, commercial lines, and domestic special risk reserving units. Ben graduated from Villanova University with a Bachelors degree in Mathematics in 1989 and earned the designation of CAS Fellow in 1999.

Brett Horoff is a Consulting Actuary and Principal with Perr&Knight. He is responsible for the general management of Perr&Knight's Actuarial Practice Area. Brett has provided property-casualty actuarial services to insurance and reinsurance companies, captive insurers and self-insurers since 1992. He has extensive ratemaking and reserving experience on a wide range of personal and commercial lines insurance products. In addition, he has also provided reserve, funding, cost allocation, equity allocation, retention level and captive feasibility studies to many captive insurance companies and self-insured public and private entities. Brett joined Perr&Knight in 1997. His previous employment included Advanced Risk Management Techniques, Inc. (An Aon Company), the Auto Club of Southern California, and 21st Century Insurance Group. His actuarial experience includes personal auto (preferred and non-standard), motorcycle, boats including personal watercraft, homeowners, personal umbrellas, commercial auto, general liability, workers compensation, auto and motorcycle warranty, professional liability, medical malpractice, directors & officers and many other product lines. Brett Horoff graduated from the University of California at Santa Barbara with a Bachelor of Arts in Mathematics and Economics in 1991. He has since become an Associate of the Casualty Actuarial Society, an Associate of the Society of Actuaries and a Member of the American Academy of Actuaries.

Cecily Gallagher oversees the company's corporate and regional underwriting, loss prevention and marketing efforts as well as its actuarial function. Prior to joining Texas Mutual Insurance Company in 1998, she worked as a consultant and principal with Tillinghast/Towers Perrin for almost 20 years. Cecily earned a Bachelor of Arts in mathematics from Trinity University in San Antonio and a Master of Science in statistics from Southern Methodist University in Dallas. She is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries.

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Dale F. Ogden is an Associate of the Casualty Actuarial Society ( CAS ) and serves on the CAS Committee on Reserves and as the Vice-Chair of the CAS Task Force on Reserving Principles, which currently is rewriting the Statement of Principles Regarding Loss and Loss Adjustment Expense Reserves. He also serves on several CAS working groups and previously served as a member of the Committee on Financial Reinsurance. He is also an Associate of the Society of Actuaries and a Member of the American Academy of Actuaries and currently serves on the Academy s Committee on Property Liability Financial Reporting. He is a faculty member of an Academy Task Force that designed and teaches the Reserve Opinion Writers Seminar, a Boot Camp for Actuaries who issue NAIC Statements of Actuarial Opinion regarding Loss and Loss Adjustment Expense Reserves. Previously, he has served on the Academy s Committee on Property and Liability Issues and was a principal author of the Academy s Statement of Position regarding proposed regulations implementing California s Proposition 103 in the early 1990 s. He is a member of the United States Section of the International Actuarial Association ( IAA ), and of ASTIN, the IAA s section for actuarial studies in non-life insurance and risk theory, and of AFIR, the IAA s section for the actuarial approach for financial risks.

Dan is an Equity Research Analyst covering the property-casualty insurance sector. Prior to joining Cochran Caronia Waller, he worked as an actuary with Ernst & Young. Before joining Ernst & Young in 2002, Dan worked at Allstate and Tillinghast Consulting. He is an Associate in the Casualty Actuarial Society and a Member of the American Academy of Actuaries. He holds a Bachelor of Science degree from Purdue University and a Masters of Business Administration from the University of Chicago.

David Shepherd is a principal in the Atlanta-based consulting firm of Merlinos & Associates, Inc. (M&A). Mr. Shepherd's consulting experience consists of rate and reserve work for state insurance departments, reinsurers, insurers, law firms, agencies and self-insured entities and groups. The lines of business handled include auto, general liability, medical malpractice, reinsurance, workers compensation, property (including homeowners) and various other smaller lines of business. He has testified in various forums in support of his rate and reserve actuarial work. Mr. Shepherd has assisted on over 100 financial examinations of P/C and HMO insurers for state insurance departments. These examinations have covered all sizes of insurance and reinsurance companies and self-insured groups, and have covered most every line of business. He also has extensive experience reviewing rate filing for state insurance departments and other interested parties. Mr. Shepherd most recently held the position of Executive Vice President, Chief Underwriting Officer and Chief Actuary for a reinsurance Managing General Underwriter specializing in Workers Compensation and Accident & Health coverages. His responsibilities included overseeing profitability, being the referral underwriter, setting underwriting standards, reserving, ratemaking, facilitating start-up of their Bermuda reinsurance company, setting up internal systems, and procuring outside capital and retrocessional support. Mr. Shepherd worked previously in the corporate actuarial department of a direct reinsurance company. His involvement was with the treaty, facultative, and alternative risk units and he was responsible for the reserving of the alternative risk, facultative and environmental/asbestos units. Prior to working in the actuarial department, he was a casualty facultative underwriter in New York City for five years. In this position, he marketed and underwrote casualty facultative business ranging from Fortune 500 accounts to small minimum premium umbrella policies. Lines of business included workers compensation, general liability and auto liability. Mr. Shepherd is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. He graduated cum laude and holds a Bachelor of Arts degree in Economics/Business and Mathematics from Macalester College.

Ms. Diane Duda is the Senior Vice President and Chief Actuarial Officer for United States Liability Insurance Group. She brings more than twenty-five years of commercial and personal lines actuarial experience to her role. Before she joined United States Liability Insurance Group in 2002, Ms. Duda was the Vice President and Senior Actuary of Specialty Lines for ACE USA, the U.S. based division of the ACE Group of Companies. Prior to ACE, Ms. Duda was employed with CIGNA Property and Casualty Insurance Companies for nine years where, in her most recent role, she served as Vice President and Division Financial Officer for Specialty Insurance Services. Ms. Duda began her career with Prudential Property and Casualty in 1980. Ms. Duda is a graduate of Lehigh University, where she received a Bachelor of Arts degree in Mathematics. She is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. Ms. Duda enjoys bicycling, choral singing and sewing.

Doug Rivenburgh is responsible for developing and managing AIG United Guaranty's international activities worldwide, including executive management of Ezer Mortgage Insurance in Israel as well as international development and operations for the Americas, Europe, Middle East, Africa, and Asia. Now based in New York, Rivenburgh worked in Hong Kong from 1998-2003 and was instrumental in developing AIG United Guaranty's business relationship with the Hong Kong Mortgage Corporation. He has been in the insurance industry since 1989, including seven years with a large property and casualty company where he gained experience in various aspects of the general insurance business. Rivenburgh has a B.A. degree from Hartwick College in Oneonta, New York, and he is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Dustin Gary dgary@centricactuaries.com , a Fellow of the Casualty Actuarial Society (FCAS) and Member of the American Academy of Actuaries (MAAA), is a founding member of Centric Actuarial Solutions. In addition to managing the day-to-day operations of the firm, Dustin provides actuarial consulting services to Centric s clients. Prior to forming Centric, Dustin served as Vice President and Actuary for Lockton Companies, the largest privately held insurance broker in the industry. At Lockton, Dustin directed the company s quantitative practice and managed a staff of seven analysts. His group provided periodic loss reserve analyses for over 100 self-insured clients, including many Fortune 500 companies. Along with offering guidance and oversight to the staff, Dustin worked on various actuarial consulting projects for Lockton s largest clients. Dustin held actuarial positions with Universal Underwriters Group and Employers Reinsurance Corporation before joining Lockton. He began his career at Missouri Farm Bureau, a personal lines insurance company in Jefferson City, Missouri. Dustin graduated Summa Cum Laude from Southwest Missouri State University with a Bachelor of Science degree in Mathematics and minor in Insurance.

Emma M. McCaffrey is a Consulting Actuary with Perr & Knight providing actuarial services to insurance companies, captive insurers and other self-insured entities. Services include loss reserve and funding projections, ratemaking, and rate filing support. Prior to joining Perr&Knight's Irvine, California office in 2007, Emma worked as a Senior Consultant and Actuary for Arm Tech, a division of Aon Corporation. Other prior employment included Automobile Club of Southern California, Balboa Insurance Company, SCPIE Insurance Company, Milliman U.S.A., and Zurich Insurance Company. Responsibilities included loss reserve reviews, funding projections, cost allocation studies, retention analyses, rate adequacy reviews, large account pricing and development of rating plans. She has over 25 years of experience in personal and commercial lines. These lines include workers compensation, medical malpractice, general liability, professional liability, automobile, homeowners, farmowners and lender-placed insurance. Emma graduated from the University of the Philippines with a Bachelor of Science in Statistics and earned a Master of Science in Operations Research from Michigan State University. She is an Associate of the Casualty Actuarial Society and a Member in the American Academy of Actuaries.

Everett G. Bishop, a member of the independent casualty actuarial consulting firm of Liscord, Ward & Roy, Inc. since 1985, has thirty years of casualty actuarial experience. He has been a consulting actuary since 1981. Mr. Bishop is a Fellow of the Casualty Actuarial Society [1979] and a Member of the American Academy of Actuaries [1979]. A 1973 graduate of Northeastern University [high honors in Mathematics], he served with the actuarial department of the American Mutual Insurance Companies, a major writer of Workers' Compensation and other commercial lines, for seven years, rising to Assistant Vice President and Actuary of the Companies, with responsibility for the pricing of all lines of insurance. His commercial insurer experience and responsibilities included participation on the industry actuarial committees of The National Council on Compensation Insurance, Insurance Services Office, and the Workers' Compensation and Automobile Rating Bureaus of Massachusetts. As an independent consulting actuary, Mr. Bishop's work has included actuarial analyses of Worker's Compensation, General and Automobile Liability, Property/Casualty, Unemployment Compensation and Health. He includes among his clients 35 self-insured groups: 22 for Workers' Compensation, 7 for Property/Casualty and 6 for Unemployment Compensation. His services to these clients includes:

"Frederick F. Cripe is executive vice president, Allstate Financial and a member of the Allstate Senior Management Team. In this role, Cripe oversees the three critical areas of product development, customer service and information technology within Allstate Financial. Before taking on this role, Cripe was senior vice president of Product Operations, responsible for Allstate's pricing, product management, underwriting and research and development. Cripe joined Allstate in 1979 as a senior analyst in property pricing, progressing through a number of actuarial assignments in home office before joining the underwriting department in 1987. He returned to auto pricing in 1988 to lead the research division and in 1990 was promoted to assistant vice president of Auto Pricing Research. His other leadership assignments included: assistant vice president in Marketing, assistant vice president Urban and Ethnic Markets and general manager of Specialty Lines. He was promoted to vice president, Policy and Pricing in 2000 and in 2003 to vice president, Product Operations where he led the management of the pricing, policy and forms, risk management, compliance, shared markets, R&D and technology/data areas for Allstate's personal lines business. Cripe is a Fellow of the Casualty Actuarial Society (CAS) and a member of the American Academy of Actuaries. He has served as Chairman of the CAS Committee on Risk Classification and the CAS Committee on Research Policy and Management, and as a member of the Actuarial Standards Board Casualty Committee. He currently serves on the Board of Directors of the Highway Loss Data Institute. Cripe holds a B.S. in mathematics from Manchester College. "

Gendron has served as senior vice president of Property and Casualty Operations for COUNTRY Insurance & Financial Services since November 2004.

John Soutar, a Miami native, graduated high school as a National Merit Finalist, then attended the University of Notre Dame as a Notre Dame Scholar. He attained entrance into the Sigma Gamma Tau National Aerospace Honor Society. After graduating with a Bachelor of Science in Aerospace Engineering in 1989, he won a full scholarship to the Georgia Institute of Technology, where he graduated with an MSAE with a concentration in Computational Fluid Dynamics. A recession and a severe downturn in the aerospace industry forced him to switch careers and he began work in the insurance industry as a computer consultant in 1991. John spent two years at an insurance company in Hollywood, Florida as their computer systems manager. While there, he developed a professional liability insurance company management system and oversaw all computer hardware and software. In 1993, he joined MacNeill as an analytical assistant to Douglas Bullington. He has completed scores of projects involving actuarial analysis, competitive surveys, financial and business process modeling, software development, insurance accounting, and data analysis. He was a member of the company's Reengineering Committee and has worked closely with Doug on the statistical and informational aspects of several insurance company startups. John is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. He currently heads the Analytical Services division of MacNeill Group, Inc. He and his wife Sandra, a high school social studies teacher, live on Hollywood Beach. His interests include competing in triathlons and road races, boardsailing, all things aeronautical, literature, and history.

Mr. Herbers is a Managing Principal and Consultant of Pinnacle Actuarial Resources, Inc., in the Bloomington, Illinois, office. He holds a Bachelor?s Degree in Mathematics from the University of Missouri. He has more than 21 years of consulting experience and 26 years experience in the insurance industry. Mr. Herbers is an Associate of the Casualty Actuarial Society and a member of the American Academy of Actuaries. He is a current member of the Committee on Property and Liability Financial Reporting of the American Academy of Actuaries and has been active on committees of the Casualty Actuarial Society for many years. Mr. Herbers? consulting career has focused heavily in the alternative markets, where he has performed numerous funding and risk retention studies for professional liability, general liability, auto liability, property and workers compensation exposures for municipal pools, hospitals, universities, corporations, and other self-insured entities. He has considerable experience in loss reserve and ratemaking studies for captives and traditional insurance companies. In 2005, Mr. Herbers provided the statutory Statement of Actuarial Opinion as the Appointed Actuary for 20 companies in the U.S. and numerous captives both on-shore and off-shore. Mr. Herbers has given presentations and speeches on a variety of topics and has written articles on Dynamic Financial Analysis, loss cost projections for captive insurance companies and loss reserve studies. His published articles include ?Choice No-Fault: Actuarial Costing Methods,? CAS Forum 1994; ?A Model for Estimating Loss Costs for Alternative Market Risks,? 1996 CAS Discussion Paper Program ? Alternative Markets/Self-Insurance; and ?Building a Public Access PC-Based DFA Model," CAS Forum, Summer 1997, Volume 2 and ?Materiality and Statements of Actuarial Opinion,? CAS Forum, Fall 2002.

Kristine is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. She graduated cum laude from Villanova University with a B.S. degree in Mathematics. Kristine has over twelve years of actuarial consulting experience in the area of property/casualty insurance. Her experience includes loss reserve analyses, feasibility studies, preparation of Statements of Actuarial Opinion, ratemaking, analysis of individual risk rating plans and litigation support. Clients include captives, insurance companies and self-insured public and private entities that provide coverage for workers compensation, general liability, auto liability and physical damage, errors and omissions liability, professional liability, mortgage guaranty insurance and various excess liability coverages.

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Lora L. Dougherty is a Consulting Actuary with Perr&Knight. She has experience in personal and commercial lines, providing various consulting services including ratemaking, rate filing support, and loss reserving/projections. Lora has been working in the property-casualty insurance industry since 1993. Prior to joining Perr&Knight, Lora was a personal auto Product Manager for Palisades Safety and Insurance, and was a consultant in the Risk, Finance and Insurance area of Marsh and McClennan, Inc. Previous employment also includes CNA, AIG, and Motors Insurance Company. Lora graduated from the University of Michigan in Ann Arbor, MI, with a Bachelor of Science degree in Mathematics, with a concentration in Actuarial Science. She is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Marc Grandisson is the Chairman and CEO of Arch Worldwide Reinsurance Group. Joined Arch Reinsurance in October 2001 as part of the new underwriting initiative of Arch Capital. Marc began his career in 1990 as an actuarial assistant with Tillinghast/Towers Perrin, first in Bermuda, subsequently transferring two years later to their Atlanta, GA office. In July 1994, he took up the position of Vice President at F&G Re, Inc. where he was responsible for non-traditional underwriting. He joined the Berkshire Hathaway Group in March 1999 where he served as a Vice President & Actuary until joining Arch Re in October 2001. Marc held the position of Chief Underwriting Officer and Actuary at Arch Re until his promotion to President and Chief Operating Officer in April 2004. Effective March 2005, and in keeping with the corporate structure at Arch, Mr. Grandisson's title changed to President & CEO. Marc was promoted to his current position in November 2005. Mr. Grandisson holds a B.Sc. in Actuarial Science from the University Laval in Canada and an M.B.A. from The Wharton School of the University of Pennsylvania. Since 1993, he has been a Member of the American Academy of Actuaries and in 1995 became a Fellow of the Casualty Actuarial Society.

Mark Brannon is a principal in the Atlanta-based consulting firm of Merlinos & Associates, Inc. (M&A). He is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and a Member of the Society of Chartered Property & Casualty Underwriters. He holds a Bachelor of Science degree in Mathematics from Furman University.

Mark Paykin, Ph.D, FCAS, ASA, MAAA, was appointed Senior Vice President/Actuarial Services for Administrators for the Professions, Inc. in 1999. He is a Fellow of the Casualty Actuarial Society, an Associate of the Society of Actuaries, and a Member of the American Academy of Actuaries. Mr. Paykin came to AFP in 1990 and has ten years of experience in Medical Malpractice Insurance. He received his Ph.D in Applied Mathematics, at Polytechnic University, St. Petersburg, Russia.

Matthew Merlino is a principal in the Atlanta based consulting firm of Merlinos & Associates, Inc. (M&A). Mr. Merlino is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries, and a Fellow of the Conference of Actuaries in Public Practice. He holds a Bachelor of Science degree in Applied Mathematics from Brown University.

Maureen Ruth is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Ms. Ruth has served as a Manager of Actuarial Services for a big four accounting firm. Prior to this, she held actuarial management positions at both a small regional commercial lines carrier and a large, international property and casualty company. Ms. Ruth has over 20 years of experience in the actuarial field.

Melissa Houck is an Associate of the Casualty Actuarial Society and a Certified Public Accountant. Prior to joining Huggins in 2005, Ms. Houck was an Actuarial Vice President at the United National Insurance Company. Before that, Melissa was consulting actuary and manager at Ernst & Young, LLP, a senior actuarial analyst in the PMA Group, and a senior actuarial analyst in actuarial department of Cigna Corp. She also has been an accountant with Cigna Corp and the United National Insurance Company. Ms. Houck has over 17 years of experience in the actuarial field. Ms. Houck has been involved in actuarial consulting projects including:

Mike Harrington provides actuarial and risk management consulting services to public entity pools and self-insured organizations. Mike brings many years of experience in the actuarial field, including ratemaking, reserving, financial modeling, and catastrophe management. Prior to joining BRS in 2003, Mike served as an actuary for a nation-wide insurance company. He is a fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries, and he serves on the Examination Committee of the Casualty Actuarial Society.

As Vice President, Actuarial and Risk Solutions for NEW, Mr. Zarember is responsible for the maximization of the profitability of insurance arrangements and for the strategic analysis, positioning and pricing of major programs. Mr. Zarember has been working in the areas of pricing, modeling and underwriting since 1990. He has a strong background in warranty pricing, rating and modeling. Before joining NEW, he worked for American International Group as Pricing Manager for their warranty division (AIG Warranty). Prior to AIG, Mr. Zarember held marketing and actuarial positions at Insurance Services Office. Mr. Zarember is a Fellow of the Casualty Actuarial Society (FCAS) and has the distinction of being the only Fellow directly employed in the extended service plan industry. In addition, he is a Chartered Property Casualty Underwriter (CPCU) and a graduate of Cornell University, where he received a bachelor's degree in industrial and labor relations.

Michelle Freitag is a Consulting Actuary in the Boca Raton, Florida Office. Since 1990 Michelle has worked in the property-casualty insurance industry. Michelle works on a wide variety of projects across all states and most lines of business. Typical projects include reserve analyses, rate development, loss projections, rate and form filings, and competitor analyses. Michelle has significant experience with the NCCI actuarial products as well as NCCI data reporting requirements and tools. Prior to Perr&Knight, Michelle was employed by the National Council on Compensation Insurance, Inc. ("NCCI"). While at NCCI, Michelle held various actuarial positions including the State Actuary for several state loss cost/rate filings, the Reserving Actuary for the four Assigned Risk Pools that NCCI manages, as well as product development and the actuarial liaison to the Data Reporting Team. Her past employment also included United States Fidelity & Guaranty ("USF&G"). Michelle has received a Bachelor of Science degree in Mathematics with a minor in Economics from Bethany College in May, 1990. Michelle is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Michael H. Gersie is executive vice president and chief financial officer of the Principal Financial Group. Gersie oversees accounting and controllership for the company, as well as treasury and cash management, corporate finance, actuarial, corporate tax, internal audit, capital market access, merger and acquisition activity, information technology and corporate services. Gersie joined the company in 1970 as an actuarial student. He was promoted to actuarial associate in 1974, was elected an officer and named assistant actuary in 1975, associate actuary in 1979 and actuary in 1984. He was then named second vice president and actuary in 1986, vice president in 1990, senior vice president and chief information officer in 1994, senior vice president and chief financial officer in 1996, and executive vice president and chief financial officer in 2000. Gersie is a Fellow of both the Society of Actuaries and the Casualty Actuarial Society, and a member of the American Academy of Actuaries and Enrolled Actuary. Gersie is a Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).

Nathan Voorhis joined the company in 2003 and serves as the company's Senior Vice President and Chief Actuary. His responsibilities include the management of the company's actuarial and IT departments. Prior to joining the company, Mr. Voorhis was an actuary at Nationwide Insurance. He has also worked for Demotech, Inc., Milliman USA and Transatlantic Reinsurance, in management, reserving and pricing roles. Mr. Voorhis holds a B.A. in Mathematics and Education and a M.S. in Applied Mathematics. He has been a Member of the American Academy of Actuaries since 1997 and a Fellow of the Casualty Actuarial Society since 2000.

Paul B. Deemer, 32, has served as our Vice President and Chief Actuary since November, 2006, and is responsible for reserving, ratemaking and reinsurance. Prior to joining us in 2006, he was an actuary with Acuity in Sheboygan, Wisconsin. Mr. Deemer received a B.S. degree from Eastern Michigan University in 1996. He is a Member of the American Academy of Actuaries and a Fellow of the Casualty Actuarial Society.

"Paul Livingstone is Managing Director and is responsible for Assured Guaranty Corp.'s Structured Credit and CDO group. Prior to joining Assured Guaranty in 2004, he was most recently Managing Director of Ambac Assurance Corp., where he was responsible for its Structured Insurance Business. Mr. Livingstone has spent 18 years in the financial services industry, including significant experience in the insurance industry. Mr. Livingstone holds a BS in Actuarial Science from the New Jersey Institute of Technology. He is a Fellow of the Casualty Actuarial Society"

Paul Stahlschmidt joined Perr&Knight in September 2006 as a Consulting Actuary, and has worked the property-casualty insurance industry in the areas of pricing and reserving since 2000. Paul's projects include rate development, competitor analyses, rate filings, and reserve analyses. Prior to joining Perr&Knight, Paul worked for RLI Insurance as an Associate Actuary in Actuarial Services, where he was responsible for developing rate level indications, conducting reserving and accident year profitability analyses, and completing Schedule P for the Annual Statement. His past employment also included State Farm Life Insurance Company as a Pricing Analyst. Mr. Stahlschmidt graduated magna cum laude from Bradley University with a Bachelor of Science in Mathematics-Secondary Education in 2000. He is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Philip L. Engel is the former president of Chicago based CNA, one of the leading insurance groups in the United States. He held this position from October 1992 through September 1999. In this position, he was responsible for development, coordination and oversight of CNA's business strategy as well as the day to day operations of the company's corporate claims, internal consulting, human resources, information technology, law and marketing departments. From 1990 to 1992, Mr. Engel served as executive vice president for CNA with responsibilities for claims, marketing, services, systems and underwriting. He headed CNA's marketing department from 1978 to 1990. He was appointed vice president in 1976 and assumed responsibility for pricing and product management. He was named assistant vice president in 1972 and headed corporate planning. He began his career with CNA in 1961. At various times while at CNA, Mr. Engel was a director of Agency Management Services, Inc., a CNA majority owned automation company servicing independent insurance agents and property-casualty insurance companies. He was also a director of InsWeb, an Internet based insurance services provider partially owned by CNA; a director of the Alliance for Productive Technology, Inc. (APT), an industry owned automation company providing interface products to agents and insurance companies; a director of the Quality Insurance Congress; a director of the MATHCOUNTS Foundation, a junior high school mathematics contest founded by CNA; and a director of the Insurance Services Office. A Fellow of the Society of Actuaries and of the Casualty Actuarial Society, Mr. Engel is one of the few individuals in the country to hold this "Double Fellow" distinction. He is also a member of the American Academy of Actuaries; a member of the board of directors of City of Hope of Duarte, California; chairman of the board of directors of the Midwest Insurance Industry Council supporting City of Hope; a member of and past chairman of the board of the Chicago Shakespeare Theater; a member of the Visiting Committee to the Division of Physical Sciences at the University of Chicago; and a member of and vice chairman of the board of trustees of the Jane Addams Hull House Association in Chicago. He is a former member of and chairman of the board of Pacific Garden Mission in Chicago. Mr. Engel holds a master's degree in business administration from the University of Chicago, where he also earned his bachelor's degree.

Rhonda Hellman is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Prior to joining Huggins in 2004, Ms. Hellman was a consulting actuary in the Insurance Advisory and Actuarial Services group of Ernst & Young, LLP, a senior actuarial analyst in the Excess & Select actuarial department of the property-casualty division of CNA Insurance, and a senior actuarial analyst in actuarial department of CIGNA. Ms. Hellman has over 17 years of experience in the actuarial field. Ms. Hellman has been involved in actuarial consulting projects including:

Richard Goldfarb is a Senior Manager in the Insurance Advisory Practice of Ernst & Young. Richard works primarily with Property/Casualty and Life insurance companies on issues related to financial risk management, capital management and risk-adjusted performance measurement. Prior to joining Ernst & Young, Richard's experience included marketing structured finance transactions to insurance companies and corporate clients, brokering structured insurance solutions for corporate clients and underwriting finite risk reinsurance transactions for insurance and reinsurance companies. Richard is a Fellow of the Casualty Actuarial Society and received his MBA in Finance from the University of Chicago. He is a member of the CAS Valuation, Finance and Investment Committee, the CAS Enterprise Risk Management Committee, the SOA Task Force on ERM Credentials and a consultant to the CAS Exam 8 Syllabus Committee. Since 1993, Richard has taught numerous actuarial exam seminars, including CAS Exam 5B (Finance), CAS Exam 8 (Investments) and SOA Course 8V (Investments).

Richard N. Gibson joined the Company and became Chief Actuary in February 2003. Mr. Gibson is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. He has over twenty years of experience in the property and casualty insurance industry. Prior to joining the Company, he was President of Summit Ridge Actuarial Consulting. Previously, he was Assistant Vice President of Actuarial Services for California State Auto Association. He also served as Vice President and Chief Actuary for Personal Lines at TIG Insurance.

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Mr. Kuehn served on the Examination Committee and the Committee for Consultants' Interests of the Casualty Actuarial Society, and as past president, education chairman and board member of the Casualty Actuaries of the Mid-Atlantic Region. Mr. Kuehn has also served as a member of the Conference Task Force on Public Policy Debate of the Conference of Actuaries in Public Practice. Mr. Kuehn currently serves on the board of the Insurance Society of Philadelphia and the board of CAMAR. Mr. Kuehn received his B.A. Degree in Mathematics from Loyola College in Maryland.

Ryan Purdy is an actuarial analyst in the Atlanta-based consulting firm of Merlinos & Associates, Inc. (M&A). Mr. Purdy joined M&A in September 2006, and is currently pursuing a Fellowship Designation from the Casualty Actuary Society. Mr. Purdy has one year of actuarial experience in property and casualty insurance.

Sharon K. Robinson, FCAS, MAAA is a Vice-President with CNA Insurance Companies, a Chicago, Illinois insurer. Prior to that she was the Regional Actuary, Commercial Lines Group, for the St. Paul Fire & Marine Insurance Company and, earlier, a rising actuary within the CNA Insurance Companies. She graduated from the University of Illinois with a degree in Actuarial Science and is a member of the American Academy of Actuaries and a Fellow of the Casualty Actuarial Society.

Sheldon Rosenberg is a Consulting Actuary with Perr&Knight. He serves as the team leader of the Jersey City Actuarial practice area. Shelly provides ratemaking and reserving analyses for all lines of property and casualty insurance. His specialties include reinsurance studies and working with specialty producers in appraising their books of business and improving risk selection and monitoring practices. Prior to joining Perr&Knight, Shelly worked at Insurance Services Office, Continental Insurance, Everest Reinsurance and Converium Reinsurance. He has served as Chief Actuary at both a primary company and a reinsurer. Shelly is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries, and a Chartered Property and Casualty Underwriter.

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Prior to joining the Benfield Group in January 2002, Mr. Goldberg spent his entire career at USAA in San Antonio. In his most recent three years he served as Senior Vice President of P&C Underwriting and Pricing. His responsibilities included management of USAA's actuarial and underwriting staff as well as the company's catastrophe financial management. For nine year prior to his position as head of Underwriting and Pricing he was Senior Vice President Chief Actuary. Mr. Goldberg led USAA's pioneering efforts to acquire reinsurance capacity through direct access to the capital markets. This catastrophe bond securitization, known as Residential Reinsurance, has been placed annually since 1997. The Residential Reinsurance transaction was published as a case study at the Harvard Business School, where Mr. Goldberg participated as a guest lecturer to help present the case. Mr. Goldberg graduated from the State University of New York at Stony Brook and holds an M.B.A. from Temple University. He is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and a Chartered Property and Casualty Underwriter. He received the CPCU National Standard Setter Award in August 2001. Mr. Goldberg served as a member of the Board of Directors of the Casualty Actuarial Society, the Wharton School Managing Catastrophe Risks Project and the Highway Loss Data Institute. He continues to reside in San Antonio while traveling extensively to support a wide array of Benfield Group clients.

Steve Lesser is a Fellow of the Casualty Actuarial Society. Mr. Lesser served as chief actuary for AIG Private Client Group, a profit center specializing in insurance products and risk management services for high net worth individuals. Prior to that, Mr. Lesser directed actuarial services for CIGNA Property and Casualty's recreational marine unit, where he made pricing and reserving recommendations for boat, yacht and marina products. Mr. Lesser also has provided actuarial support for other products including workers' compensation. Mr. Lesser has over 12 years of experience in the actuarial field.

Prior to joining Response, Mr. Oakley was with The Hartford Financial Services Group for ten years. He holds a Bachelor's degree in Mathematics from Penn State University and is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Mr. Dashoff is an Associate of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and an Associate in Risk Management. He has served as a Manager in the Actuarial Services practice of a big four accounting firm. Prior to that, he was an actuary for a major property-casualty insurance company located in the Mid-Atlantic region of the United States. Mr. Dashoff has 24 years of experience in the actuarial field. Mr. Dashoff has been involved in actuarial consulting projects including:

William Burns serves as Vice President in the Actuarial Department of Holborn Corporation, which he joined in 2001. From 1996 to 2001 Bill served as Senior Vice President and Chief Actuary for PHICO Group in Pennsylvania, where he was responsible for all ratemaking, loss reserving and statistical analysis of operational results. His department was also involved in negotiating their reinsurance program and terms for large national accounts. Prior to his work at PHICO, Bill served as Assistant Vice President and appointed actuary for the Medical Inter-Insurance Exchange in New Jersey and held various positions at GRE Insurance Group, Continental Insurance and Chubb. Bill graduated from Seton Hall University with a B.S. in Mathematics. He is an Associate of the Casualty Actuarial Society, a Member of the American Academy of Actuaries, and a frequent speaker on issues facing the medical malpractice industry.

Connell is Senior Vice President, Actuarial Division, Erie Insurance Group. Erie Insurance Group is a regional property/casualty and life insurer based in Erie, Pennsylvania. As chief actuary, Connell is responsible for overseeing pricing, actuarial analysis, actuarial loss reserving, and rating systems maintenance. In addition, he is program manager of ERIE's eCommerce technology project (ERIEConnection).

Irene K. Bass is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. She holds a Bachelor of Arts degree magna cum laude from Bowling Green University and a Master of Science degree from Northeastern University, both in mathematics. Immediately prior to the formation of Bass & Khury in 1995, Ms. Bass was a managing director at William M. Mercer, Incorporated. While at Mercer, she participated in consulting assignments covering virtually all lines of insurance. She has also served as an expert witness in a number of areas including reserving, ratemaking, reinsurance, and classification systems. Prior to joining Mercer, Ms. Bass was employed at Crum & Forster Personal Lines and rose to senior vice president and actuary. Her actuarial and insurance management experience include pricing, reserving, underwriting, reinsurance, product development, and insurance company operations. Professionally active, Ms. Bass is a past president of the Casualty Actuarial Society, has served on the Board of Directors of the Casualty Actuarial Society and the American Academy of Actuaries, and has chaired the Discipline Committee of the Casualty Actuarial Society. She has published papers on ratemaking and reserving in addition to articles in professional journals.

Mr. Weiner is chief financial officer and senior vice president of CastlePoint Holdings, Ltd., a position he has held since February 2006; chief financial officer, senior vice president and director, CastlePoint Management, since May 2006; and CastlePoint Reinsurance Company since March 2006. Prior to joining CastlePoint, Mr. Weiner was a senior vice president at Tower Group, Inc.; and, managing director, GAB Robins Capital Partners, providing outsourcing for claims operations. He led PricewaterhouseCoopers LLP's U.S. middle market insurance consulting practice and advised many property and casualty insurers on strategic issues. He is an associate member of the Casualty Actuarial Society and a member of the American Academy of Actuaries.

Mr. Petrelli has nearly thirty-five years of progressively responsible property and casualty actuarial and financial analysis experience. He has extensive knowledge with loss and loss adjustment expense reserve evaluation, product development, and pricing for virtually all property and casualty and title insurance products as well as expertise with loss cost filings, Financial Stability Ratings , and merger and acquisition valuations.

Dr. Pat Brockett is the Director of the Risk Management and Insurance Program and the Gus S. Wortham Memorial Chairholder in Risk Management and Insurance in the College and Graduate School of Business at The University of Texas at Austin where he teaches full time in risk management and insurance. He holds joint appointments as a Full Time Professor in the departments of Finance, Mathematics, and Management Science and Information Systems. He is currently President of The American Risk and Insurance Association. In addition he is the Janey Slaughter Briscoe Research Fellow at the IC2 Institute and a Faculty Research Scientist at the Applied Research Laboratories at The University of Texas at Austin, and is the former Director of the Actuarial Science Program and former Director of the Center for Cybernetic Studies in the Graduate School of Business. He is a Fellow of the Institute of Mathematical Statistics, a Fellow of the American Statistical Association, a Fellow of the Royal Statistical Society, a Fellow of the American Association for the Advancement of Science, and a Chartered Statistician by the Royal Statistical Society. He is also a member of the Western Risk and Insurance Association, the International Actuarial Association (ASTIN section), and the Casualty Actuarial Society (Academic Corresponding Member). Besides refereeing for numerous academic journals, he has published two books and over 100 journal articles. He is the Editor of the Journal of Risk and Insurance, and an Associate Editor of the journals Insurance: Mathematics and Economics. A Board Member of the North American Actuarial Journal, his articles in risk management and insurance have won several awards from the American Risk and Insurance Association (for Best Feature Article and for Best Communication Article) and from the American Statistical Association (for the Most Outstanding Statistical Application paper published in any field, in any journal, in any language, anywhere in the world), the Society of Actuaries (The Halmstad Prize for the most outstanding English language publication in actuarial science in the world), and from the International Insurance Society (best paper award) from the Casualty Actuarial Society ( for best paper on Casualty actuarial topics publish in an ARIA journal) and from the Faculty of Actuaries of Scotland and the Institute of Actuaries in England ( Brian Heys International Competition, 2nd Prize) . He has won The University of Texas university wide Outstanding Graduate Teacher Award as well as three different research awards from the Graduate School of Business. His research interests include formal and theoretical works on risk management topics as well as non-theoretical institutional or qualitative investigations into insurance contracts, ethics, and economics. He has also served as an expert consultant to regulatory bodies, law firms, and businesses. Patrick L. Brockett received his Bachelor of Arts degree. in Mathematics from California State University, Long Beach, and his M.A. and Ph.D.,both in Mathematics, from the University of California, Irvine.

Alice graduated summa cum laude from Trinity University majoring in mathematics and economics. She is a Fellow of the Casualty Actuarial Society, a member of the American Academy of Actuaries, an honorary member of the Institute of Actuaries of the UK and a Chartered Property Casualty Underwriter. Alice has been very active in industry and professional organizations. She is a former president of the Casualty Actuarial Society (CAS) and former Chair of the CAS Board of Directors as well as having served on numerous CAS committees. She is currently a member of the Casualty Practice Council of the American Academy of Actuaries and has served on various committees of the International Actuarial Association. For three years she was appointed as the industry actuary of the Florida Hurricane Catastrophe Fund Advisory Council and served on the Florida Commission on Hurricane Loss Projection Methodology. She served from 2001 - 2007 as a member of the California Earthquake Authority Advisory Panel and as a member of the Highway Loss Data Institute's Board of Directors. She also served from 1988-2006 on the Insurance Research Council Board of Directors including serving as board chair from 1998-2000. She was also appointed by Texas Governor Ann Richards to the Texas Select Committee on Rate and Policy Form Regulation serving from 1993-1994.

Brett began his career with the Actuarial Department of Continental Insurance Company. He was involved with the actuarial consulting groups of prestigious firms such as Cooper's & Lybrand, LLP, Arthur Andersen & Co., William M. Mercer, Inc. and KPMG Peat Marwick. In 1996 he joined Ernst & Young LLP's Actuarial Services Group and in 2003 he joined AgeeFisherBarrett, LLP. Brett has more than 25 years experience in insurance company and corporate insurance operations, with expertise in financial forecasting and reporting, client risk assessment and management, and mergers and acquisitions due diligence. Brett's consulting and company background and experience include insurer and reinsurer, reserving and pricing analyses for commercial and personal lines insurance line, insurance risk management, self-insurance reserving and funding studies, cash flow and financial analyses, insurance company valuations, litigation support, expert witness testimony, mergers and acquisitions, due diligence, planning and forecasting, development of new insurance products, premium auditing, management information systems development and design, and computer programming. Regulatory consulting assignments for various state and provincial departments have included insurance and reinsurance company demutualization valuations, loss reserve evaluations for financial examinations and for liquidation bureaus, and reviews of insurance company filings to the regulatory departments. Brett is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and a Fellow of the Conference of Consulting Actuaries. Brett has served as a member of the Casualty Actuarial Society's Examination Committee.

Corey J. Bilot is a consulting actuary at Perr & Knight. Clients that Corey serves include large employers, property and casualty insurance companies, professional employer organizations, and self-insured corporations. Corey's past work experience has strong emphasis on workers compensation. Prior to joining Perr&Knight, Corey worked at the National Council on Compensation Insurance (NCCI), at Wausau Insurance Company, and at a consulting firm that specializes in insurance arbitration/litigation and expert witness work. His work has included loss reserve analyses, the pricing of large commercial accounts and franchise associations/groups, profitability studies, as well as retention analyses for SEC-registered self-insureds. Mr. Bilot's academic background includes a Bachelor of Science degree in economics from the University of Wisconsin - Eau Claire, and a Master's degree in Computer and Information Science from the University of Minnesota - Twin Cities. Corey is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Daniel has 20+ years of work experience with both insurance and capital markets firms in the US and overseas. He is a Fellow of the Casualty Actuarial Society, a CFA Charterholder, and has an M.S. in Financial Mathematics from the University of Chicago.

Mr. Drury is President and Chief Executive Officer of ACE Tempest Life Reinsurance Ltd., the Bermuda-based reinsurer which focuses on niche markets, particularly variable annuity death and living benefit guarantee reinsurance. He also serves as Chairman and Chief Executive Officer of ACE Tempest Reinsurance Ltd., where he provides oversight of the property catastrophe modeling and capital allocation operations. Mr. Drury previously served as Chief Risk Officer of the ACE Tempest Group where he was responsible for the worldwide actuarial and risk management functions for the reinsurance operations of ACE. Prior to joining ACE, Mr. Drury served in a number of actuarial and underwriting roles in the reinsurance industry. Mr. Drury holds a bachelor of arts degree in Mathematics from Dartmouth College . He is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Derek Chapman is an actuarial analyst in the Atlanta based consulting firm of Merlinos & Associates, Inc. (M&A). Mr. Chapman joined M&A in August 2006. He is pursuing a Fellowship Designation from the Casualty Actuary Society.

Mr. Freihaut is a Consultant with Pinnacle Actuarial Resources, Inc., in the Bloomington, Illinois, office. He holds a Bachelor?s Degree in Mathematics and Economics from Rose Hulman Institute of Technology in Terre Haute, Indiana. He has seven years of actuarial experience in the property/casualty insurance industry. Mr. Freihaut is a Fellow of the Casualty Actuarial Society and is a member of the American Academy of Actuaries. He currently serves as a member of the CAS Syllabus Committee. Prior to joining Pinnacle Actuarial Resources, Derek was employed by State Farm Insurance. His background includes personal and commercial lines pricing. His pricing experience is comprised of work on private passenger and commercial auto, commercial multi-peril, and rental program lines of business.

Haar was named president & CEO of Accident Fund Insurance Company of America in June 2005. She joined the company in 1997 as director of Actuarial Services, and has served as executive vice president and chief business development officer, where she led the company's underwriting and marketing efforts. Prior to joining Accident Fund, Haar worked with Michigan Millers and Citizen's Insurance. She is a Fellow of the Casualty Actuarial Society.

Mr. Brandt is a Consultant with Pinnacle Actuarial Resources, Inc., in the Bloomington, Illinois, office. He holds a Bachelor?s Degree in mathematics from Illinois State University in Normal, Illinois. He has nine years of experience as an actuary. Mr. Brandt is a Fellow of the Casualty Actuarial Society and is a member of the American Academy of Actuaries. He currently serves as a member of the CAS Examination Committee. Mr. Brandt has considerable experience in assignments involving Loss Reserving, Funding Studies, Cost Allocation Mechanisms, Loss Cost Projections, Competitive Analysis, Captive Feasibility Studies, Personal Lines Ratemaking and Financial Analysis of Insurance Companies. He has worked extensively on many of the ten largest policyholder-owned alternative risk facilities in the Americas.

Mr. Veilleux has joined the company as Senior Director of Predictive Analytics. Mr. Veilleux's appointment continues Valen's senior management team expansion. In his new position, Mr. Veilleux will report to Dan Bankson and he will lead the company's predictive modeling efforts. With 17 years of property and casualty industry experience, Veilleux spent 12 years in actuarial roles and is a recognized expert in Predictive Modeling, specifically in the development and deployment of predictive models for the insurance industry. Prior to joining Valen, Veilleux was most recently a Senior Consultant with Watson Wyatt, a leading global consulting firm. While with Watson Wyatt, Veilleux was heavily involved in predictive modeling initiatives related to insurance rating, underwriting, and portfolio management. Earlier in his career, Veilleux spent six years with Safeco Insurance as well as five years with other insurers. Mr. Veilleux is also the President of the Casualty Actuaries of the Northwest, a fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. In addition to his professional experience and affiliations, Mr. Veilleux holds a B.A. from the University of Miami

Mr. Wang is a Consultant with Pinnacle Actuarial Resources, Inc. in the Bloomington, Illinois office. He holds a Bachelor of Science degree in mathematics from the University of Illinois and a Masters of Science degree in mathematics education from Northern Illinois University. He also has extensive graduate level coursework in Theoretical and Applied Mathematics from Northern Illinois University. He has seven years of actuarial experience in the property/casualty insurance industry. Mr. Wang is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. He currently serves the CAS as a member of the Exam Committee. Before joining the firm, Mr. Wang was employed as a pricing actuary for Allstate Insurance Company, for Kemper Insurance Companies, and for Scor Reinsurance Company. His pricing experience includes standard homeowners rate indications, commercial auto rate indications, and reinsurance treaty pricing for both personal and commercial lines. In addition, he has experience in reserving analyses for commercial auto and market trend analyses for commercial auto and workers compensation.

George Davis is a vice president in the Business Development Group at AIR Worldwide (AIR). AIR is a global provider of risk modeling software and consulting services to more than 400 insurance, reinsurance, financial, corporate, and government clients. Mr. Davis works with insurance companies on solutions for catastrophe risk management and property valuation. He has a strong background in company operations, including a wide variety of actuarial, field office, and home office management experience. He was vice president for Home Office Personal Lines at OneBeacon Insurance Group and executive vice president at CU Homeland Insurance Company. Mr. Davis was also chief actuary at Commercial Union Insurance. He is a Fellow of the Casualty Actuarial Society (FCAS) and Member of the American Academy of Actuaries (MAAA). Mr. Davis has a B.A. in mathematics from Boston College and an M.B.A from Northeastern University's Executive Program.

James Heer is responsible for the actuarial functions of the WCRA, which include establishing the premium rates charged to members and estimating the amount of funds the WCRA must hold in reserve to meet future claim payments. Mr. Heer holds a Bachelor's degree in Mathematics from the University of South Dakota. He has worked as an actuary on staff at Guy Carpenter & Company, E.W. Blanch Holdings Inc., USAA, and The St. Paul Companies. He is a Fellow of the Casualty Actuarial Society.

Mr. Matthews is a Consultant with Pinnacle Actuarial Resources, Inc., in the Bloomington, Illinois office. He holds a Bachelor?s Degree in Mathematics from Rose Hulman Institute of Technology in Terre Haute, Indiana. He has seven years of actuarial experience in the property/casualty insurance industry. Mr. Matthews is a Fellow of the Casualty Actuarial Society and is a member of the American Academy of Actuaries. He currently serves as a member of the CAS Exam Committee. Prior to joining Pinnacle Actuarial Resources, Mr. Matthews was employed as a pricing actuary for State Farm Insurance. He has pricing experience in both commercial and personal lines, including commercial multi-peril, rental programs, homeowners, commercial auto and other personal lines of business.