The author is a retired CEO of financial institutions in the banking and insurance industries. A former Marine, he holds an undergraduate degree from Nebraska Wesleyan University and graduate degrees from the School of Advanced International Studies of the John's Hopkins University and from the Wharton School of Business of the University of Pennsylvania. He held Foreign Service positions with the US Agency for International Development in Peru, Uruguay and the Ivory Coast. He left the Foreign Service and entered private business in banking and insurance, holding CEO positions in both. He is t...