Christopher Ketcham, Ph.D., CPCU, CRM, CIC, CFP^®, Formerly Visiting Assistant Professor, University of Houston Downtown, Houston, Texas; Garnet Valley, Pennsylvania

Pr. Jean-Paul Louisot, Formerly Université Paris 1 Panthéon-Sorbonne, Directeur Pédagogique du CARM Institute, Paris,  France; Philadelphia, Pennsylvania