PR Hersey, a lifelong resident of Portland and Peaks Island, Maine, spent thirteen years as an M.T. (A.S.C.P.) Microbiologist and Laboratory Supervisor in the medical arena. She then changed her career path and entered the world of insurance. During the eighties and nineties, she worked for the top two LTD (long term disability) reinsurance companies in the country. She worked in every area of the field, i.e., underwriting, marketing, competitive intelligence, contracts, filing and compliance, legal documents, product development and exploration of foreign markets. She also edited a reinsuranc...