38 years of experience in the industry as risk manager, agent, broker, underwriter, managing general agent. 25 years as a teacher and instructor of various insurance courses. Has acheived the designations of CPCU, ARM, AAI and AIS. Expert testimony has been given in the following areas: the standard of care for agents, brokers, surplus lines brokers, underwriters and claims adjusters; interpretation of coverage terms, standard forms, manuscripted forms and endorsements. Testimony has been given in California, Arizona, Nevada, Utah, Alaska and Texas.