Maila Aganon, California State Automobile Association
Leanne S. Alami-Merrouni, Bank of Bermuda - HSBC
Albert A. Alvarez, Housing Authorities Risk Retention Pool
Stacey Ancker, A.M. Best Company
John Antonczak, Fifth Third Bank
Stacy Apter, The Coca-Cola Company
Rich Arthurs, Towers Perrin
Lee Backus, District of Columbia Domicile
Jeffrey Bair, Cottingham & Butler, Inc.
Amy J. Bang, Maricopa Captive Insurance Co, Inc
Daniel A. Bang, Maricopa Captive Insurance Co, Inc.
Mike Baran, Gallagher Bassett Services, Inc.        
Richard J. Barquist, MetLife, Inc.  
Mark R. Barrie, Cal-Southampton Reinsurance        
Callum Beaton, Callum Beaton Insurance Consulting Ltd.      
Jarid Beck, Risk Management Advisors        
Brian W. Beeghly, Nike, Inc.          
Lawrence Bellinger, Bellhomme Protected Cell Captive Insurance Company-Barbados  
Bonnie Benes, EWI Risk Services, Inc.
Dennis Bennice, Hylant Group                
Paula Blum, Zurich North America                
Tommy Bolton, Johnson Lambert & Co. LLP                
Jay B. Bombard, Hartford Financial Services                
Thomas R. Bond, Esq. Marshall, Dennehey, Warner, Coleman & Goggin                
Blaine Bontempo, Genesis Underwriting Management Company    
Thomas J. Boobar, Arthur J. Gallagher          
Marius Botha, Absa Group  
Jon Bourgault, Groom Law Group           
Georges Boutary, SNC Lavalin Inc.                
Gloria Bowden, The Coca-Cola Company                
Gary R. Bowers, Johnson Lambert & Co.                
Vernese V. Brathwaite, Office of the Supervisor of Insurance & Pensions
David Brooker, Prudential Financial, Inc.                
Pam Bryan, CNA                
William Buechler, Crowe Chizek    
Tina Bukow, A.M. Best Company           
Shannon Burgess, Bank of Bermuda                
Michael J. Burns, Appleby Hunter Bailhache                
Mike Bynoe, PricewaterhouseCoopers                
Timothy Caines, Nevis Island Administration                
Edward Caldwell, Arizona Department of Insurance                
Phillip R. Cameron, Discover Re  
Don Canfield, Aetna              
Mitchell Cantor, International Center for Captive Insurance Education                
Kenneth E. Carlton, III Milliman, Inc.                
Jose B. Carrion, III Carrion and Laffitte & Casellas, Inc.                
John Cassell, Spring Consulting Group                
Roberto Ceniceros, Business Insurance
Pamela Champ, Crowe Chizek and Company              
Christopher Choi                  
Nicole Chretien, MetLifez
Charles R. Cohen, Barger & Wolen, LLP                
Mitchell J. Cole, Towers Perrin                
Lawrence W. Cook, Discover Re  
Stephen Corbett, Corridor Interactive Inc.       
Christine Core, Oregon Health & Science University      
Mark R. Crasnick, Sedgwick CMS                      
Leonard Crouse, State of Vermont                
John Crowley, State of Vermont
Jean-Paul Cumberbatch, Barbados Investment & Development Corp. 
Joan Cummings, Riskcorp Inc. (A Brookfield Company)    
Raffy Daghlian, York Claims Service
William Dalziel, London and Capital Investment Advisors, Inc.   
Elizabeth M. Darr, Liberty Mutual Alternative Markets     
Paul J. Deeley, Congress Asset Management Company                
Christopher DeMeo, Russell Investment Group  
Gregg Dennington, Hospitality Insurance Solutions  
Daniel Dickens, A.M. Best Company   
Monica Dobbie, Fintra International Ltd.                      
Michael Donnelly, Sagicor Insurance Managers Ltd                
Ted Donovan, Risk Management Magazine                
Maria A. Dorsett, The Coca-Cola Company  
Michael Douglas, Aon Insurance Managers             
Nicholas Dove, Quest Management Services Limited    
Pearlie Drakes, Barbados Investment & Development Corp.          
Dennis P. Duffy, The Vanguard Group                
Bassel A. Durzi, Cayman Islands Financial Services      
David M. Duvall, Liberty Mutual Alternative         
Richard Eales, Guardrisk Insurance Company Limited    
Kimberly Elliott, Nevada Commission on Economic Development          
Martin G. Ellis, Comerica Bank                
Claude Emond, Avalon Actuarial Consulting Inc.                
Steve J. Evans, Butterfield Bank (Cayman) Limited                
Martin Eveleigh, Atlas Insurance Management (Cayman) Limited  
Maie Es Ezzeldeen, Dubai International Financial Centre             
Paul Feldsher, Partner Reinsurance Company of the US                
Lisa Ferrier, World Captive Forum                
Mark K. Fitzjerrells, Cottingham & Butler, Inc.                
Bill Fitzpatrick, Deutsche Post World Net                
Brian Flinchum, Wilmington Trust SP Services, Inc.                
Bruce Foudree, Lord, Bissell & Brook LLP                
Michael G. Frith, Conyers Dill & Pearman                
Nicholas Frost, Quest Management Services Limited                
Ted Fujimoto, California Charter School Association                
Patrick Gallagher, AIG Global Benefits                
Suzanne L. Gallie, ARM, Sun Microsystems, Inc.                
John Garzonie, Lennox International Inc.                
Jerry Geisel, Business Insurance                
Jean-Francois Gelot, Optimum Risk Research (International) Ltd.                
Keith H. Gerhardstein, Frank Gates Alternative Risk                
Marcia L. Giesler, CMI a Sedwick CMS Company                
Larry R. Gille, CSK Auto Inc.                
Carlos Gimenez, Fianzas Y Credito S.A.                
George A. Gleadall, Century Property & Casualty Corporation                
Nancy Glennon, Liberty Mutual Captive Services                
Joao Felipe S. Gomes, Embraer                
Henry L. Good, ABD Insurance and Financial Services                
David Govrin, Ritchie Capital Management, LLC                
William Graham-Welton Bank of Bermuda                
John Greenwood, Appleby Hunter Bailhache                
Bill Gregory, Housing Authorities Risk Retention Pool  
Saad Hafiz, Royal Bank of Canada            
Allen B. Hagen, Caterpillar                
Matthew Hamer, CPCU, Tillinghast                
Peter Hamilton, CFA, MBA, Parenteau Associates  
Claire L. Hannan, WorkWell Systems, Inc.              
Brian Hanuschak, Guy Carpenter & Company, Inc.                
Judie Harrington-Carlisle, World Captive Forum                
Allan P. Harris, Wells Fargo & Company                
Robert P. Hartwig, Insurance Information Institute                
Neil Hendry, Avalon Actuarial      
Christopher Hess, Dempsey, Myers & Company LLP         
Teresa Hicks, Archer Daniels Midland Company                
Brent A. Hill, Hill Insurance Services                
Frank Hillen, LeasePlan Corporation
Brent Hilton, Bennion-Taylor                
Lavie Hobson, Financial Services Commission                
Richard Ince, UI Management, Inc.                
Frank Indestege, Vanbreda International  
Clayton Ingram, South Carolina Department of Insurance
Emily Jack, Tapestry Insurance Corporation
LaMonte K. Jackson, Total Transit, Inc.
Joan Jacob,  Tillinghast-Towers Perrin            
Monte D. Jahnke, Kerr, Russell and Weber, PLC                
Gonzalo E. Jalles, HSBC Investments (Bermuda) LTD                
James C. Jenkins, Jenkins Athens Insurance                
James R. Jenkins, Athens Administrators  
Tim Johnson, TrueNorth Companies              
Hywel Jones, Atlas Insurance Management (Cayman) Limited
Agith-Jan Juddu, Generali  
Terence L. Kelleher, Combined Coordinating Council, Inc.              
Anne Kennedy, Comerica - Munder Capital Management                
Jeffrey Kenneson, USA Risk Group of Vermont, Inc.                
Joel Kew, Tapestry Insurance Corporation                
Cliff King, State of Nevada Division of Insurance
Marissa L. King, Liberty Mutual Alternative Markets                
Robert Kirchmeier, Dempsey, Myers & Co.                
Brian Kirkell, Crowe Chizek  
Joan Klinkner, Brown Brothers Harriman Insurance Asset Management     
Karl N. Klockars, Covenant Ministries of Benevolence
Richard F. Klumpp, Wilmington Trust SP Services, Inc. 
Alicia Vander Kooi, Concord Servicing Corporation
Tom K. Koss, Tapestry Insurance Corporation
Nick Krukovsky, Generali Employee Benefits, The Americas
Thomas Kuslits, Fifth Third Bank
Daniel S. Labrie, Housing Authority Insurance Group                   
Christine P. Lackey, Discover Re          
Rafael F. Laffitte, Carrion Laffitte & Casellas, Inc.
Alex Lake, World Fuel Services Corp.               
Molly Lambert, Vermont Captive Insurance Association                
Karin Landry, Spring Consulting Group, LLC                
Greg Lang, Munich Re America, Specialty Markets                
Donald Lantz, IPC International Corp                
Michael Larkin, Cedar Management Limited                
Steve Legg, CPCU, ARM, Starbucks Coffee Company                
Nicholas Leighton, Atlas Insurance Management (Cayman) Limited
Steve M. Lonergan, GMAC Reinsurance Corp.               
James Long, AIG Global Benefits  
Joseph LoPorto, Brown Brothers Harriman Trust Company             
John M. Loud, Dwight Asset Management Company                
Renea Louie, Pro Group Captive Management Services                
Jamie Low, AzCIA                
JaneAnne Lubin-Szafranski, Saint Raphael Healthcare System, Inc.                
Celeste M. Ludwig, Comerica Bank                
Steven M. Lulewicz, ACE/ESIS                
Jenny Lum, Prime Advisors, Inc.
Bill Lumley, Risk & Insurance Research Group                
Mike Lusk, Archer Daniels Midland Company
Edward D. Lybrook, MAG Mutual Insurance Company 
Gail A. Lynch, Gallagher Benefit Services, Inc.
Jackqueline Madrid, Atmos Energy Corporation                         
Michael Maglaras, Michael Maglaras and Company
Chris Mancini, CAPTIVE.COM, LLC
Audrey M. Mansell, Appleby Hunter Bailhache                               
Rick Manuel, Butterfield Bank                
Van Maroevich, MOC Insurance Services                
Richard P. Marshall, Camelback Captive & Risk Management                
Hope Maxwell, Prime Advisors, Inc.                
Richard McAbee, Carl Warren & Company                
Andrea McAulife, Liberty Mutual                
Kirk N. McCarthy, Barclays                
Bruce I. McClean, PricewaterhouseCoopers                
James McDonald, Altavantage Limited                
Thomas J. McDonald, III, Brown Brothers Harriman Insurance Asset Management Group
Stanley McKinley, Jr., Wachovia Corporation
Marlene McLoad, Benfield Corporate Risk                            
Thomas R. McMahon, Cedar Management Limited                
William F. McMahon, ARM, RPA, Fleetwood Enterprises, Inc.  
Frank J. McNamee, Liberty Mutual Alternative Markets             
Jilma Meneses, Oregon Health & Science University                
C. Maritza Mercer, British Virgin Islands                
Anthony J. Mercurio, National Interstate Insurance Co.
Dwight Merren, Global Captive Management Ltd.               
Donald J. Meyers, Caterpillar Financial Services Corp.                
Robert Miller, Dwight Asset Management Co.                
Elio Moccia, Generali Employee Benefits  
Michael Moody, Rough Notes              
Stephen Moors, Providence Service Corporation  
Michael F. Moran, Benfield Corporate Risk              
Steve Mork, Spring Consulting Group                
Rod Morris, Arizona Department of Insurance, Captive Insurance Division                
Fiona Moseley, Crusader Group of Companies                
Dan Mowid, Universal Underwriters Group                
Christopher S. Murray, Caitlan Morgan Insurance Services                
Stanley W. Murray, Caitlin Morgan Insurance                              
Dana Newman, The Coca-Cola Company
Robert Niesse, Business Insurance
Paul Nobel, World Fuel Services Corp.               
Timothy Nolan, Zurich North America                
John O’Brien, Wilmington Trust                
Amber Olivan, Pro Group Captive Management Services                                
Hilary H. Olson, Comerica Bank - Munder Capital Mgmt
Michael Olson, Pro Group Captive Management Services               
Hugh O’Neill, Deutsche Post A.G.                
Maria Pacheco, Appleby Hunter Bailhache
Paul E. Pappas, Arch Insurance Group                
Claude R. Parenteau, Parenteau Associates, LLC                
Jon Paulsen, MOC Insurance Services                
Sean Peake, California Charter School Association                
Mark Pederson, Adolfson & Peterson Construction
Arthur D. Perschetz, Esq., DC Department of Insurance, Securities and Banking
Dan L. Peterson, Royal Bank of Canada                
Jeffrey W. Pettegrew, California Self Insurers’ Security Fund                
Phillip Pettersen, Towers Perrin Reinsurance
Jeneen Piche, General Agency Services, Inc.   
Ken Pietrasko, Aetna            
Stephen Pontecorvo, MetLife                
Kevin Poole, Cayman Islands Financial Services                
Kenneth W. Porter, DuPont                
John Prescott, Johnson Lambert & Co LLP                
Nancy W. Puleo, Alcoa, Inc.
Robert Quinn, Wells Fargo Bank               
Scott Rasmussen, Prudential Financial                
Peter Raymond, State of Vermont                
Frank Recchia, WattCommercial.com & Centro Watt
Marc Reinhardt, Generali Employee Benefits               
Steven Resnick, Caterpillar Insurance Company                
Terrance F. Richardson, PricewaterhouseCoopers, LLP                
Winston H. Richie                  
Dean Rigg, RACI                
Marti Rigg, RACI                
Donald Riggin, CPCU, ARM, Albert Risk Management Consultants, Inc.                
William D. Riley, Paul Frank + Collins P.C.                
Lindsay Robertson, World Captive Forum                
Thomas J. Roche, Liberty Mutual                
D. Hugh Rosenbaum, Tillinghast-Towers Perrin                
Martin Ross, Business Insurance    
Peter W. Rossow, Crowe Chizek and Company LLC    
Tim Rubald, Nevada Commission on Economic Development        
John Salisbury, CPCU, ARM, Are, Government Entities Mutual, Inc.
Jerry Sandstrom, Nevada Commission on Economic Development
Alexander Sarfo, A.M. Best Company               
Ted Scallet, Groom Law Group                
Stephen Scammell, Captive Insurance Company Reports c/o Tillinghast Towers Perrin
Randal L. Schultz,Shughart Thomson & Kilroy, P.C.
Bob Schutt, Wells Fargo Bank              
F. Roy Sedore, Baker & McKenzie LLP                
Nicole Segura, RACI                
Jorge Seigneur, Fianzas Y Credito S.A.
Nicole Serfontein,Towers Perrin
Derek Shanks, Riskcorp Inc. (A Brookfield Company)
Frank Shea, World Fuel Services Corp.               
John F. Shea, Tangram Insurance Services, Inc.                
Dana G. Sheppard, District of Columbia Risk Finance Bureau
Brenda Sherman, Liberty Mutual Alternative Markets               
Prakash A. Shimpi, FSA, CFA, Towers Perrin                
Dan Shive, LeasePlan USA                
Richard W. Sierk, Risk Management Advisors  
Dennis E. Silvia, Cedar Management Limited  
Cyril Simmons,HSBC Investments (Bermuda)              
Jeffrey K. Simpson, Esq, Wilmington Trust SP Services, Inc.  
Christine Singer, The Bank of New York 
Allen Jay StClair, Askew Kabala & Company, Investment Bankers           
Graeme Skinner, Butterfield Bank                
Andrea Slezak, Texas Healthcare Foundation
Larry Smith, Huntleigh McGehee               
Zachary Smith, Wells Capital Management                
Charla M. Smyser, Sonora Captive Management, LLC                
Laurie R. Solomon, The Coca-Cola Company                
Peter D. Soloway, AIX, Inc.                
Donnie Spann, State of Utah - Insurance Dept                
Linda Spann, Taylor-Walker & Associates, Inc.                
Derek St. Rose, Financial Services Commission                
Carl E. Stamm, Great American Insurance Company                
Francie P. Starnes, AIG Global Benefits                
Richard A. Stasi, Frank Gates Alternative Risk                
Dru E. Steinly, Comerica Bank    
Amy Stengel,Wilmington Trust SP Services, Inc.           
James Stewart, CSAA                
Michael P. Stewart, Universal Underwriters Group
Robert Stewart, World Fuel Services Corp.               
Kyle Stone, Archer Daniels Midland  
Lisa R. Stringer, Huntleigh McGehee              
Richard L. Suter, The Hartford  
Herb Swafford, Arizona Department of Insurance              
James Swanke, Tillinghast-Towers Perrin                
J. Thomas Swartzendruber, Vanguard                
Allen Taft, The Taft Companies                
Laura Taylor, Aon Risk Services                
Sofia Tesfazion, Towers Perrin  
John M. Tetro, Combined Coordinating Council, Inc.             
Patrick Theriault, Wilmington Trust                
John C. Thomson, Towers Perrin                
Clive Thursby, A.M. Best Europe
Peter Tonyan, World Fuel Services Corp.               
Jessica L. Toth, Comerica Bank                
Daniel D. Towle, State of Vermont                
C. Jeffery Triplette, Duke Energy Corporation  
Tamara Truta, AIG Global Benefits             
Christopher A. Turley, State of Vermont
Larry Turnbull, Quest Management Services Limited
Robin C. Tydelski, York Claims Service, Inc.              
Furnio Uesugi, Foresight Management Company Ltd.                
Ann Marie Unger, Crowe Chizek                
Kenichi Ushikubo, Sompo Japan Research Institute                
James Wallace, Insurope                
Daniel Wallick, Vanguard                
Beth M. Ward, ABD Insurance and Financial Services                
Kathleen Waslov, Towers Perrin                
James Waters, Towers Perrin                
Michael Weiss, Liberty International Underwriters Canada
Rebecca Wheeler, Microsoft Corporation, International HR               
Derick White, State of Vermont                
William P. White, Delaware Department of Insurance
Ann W. Wick, AIG Insurance Management Services, Inc.              
Larry Williams, Crowe Chizek                
John E. Wilson, Three Rivers Insurance Co.
Todd Winchel, Wells Fargo Bank, N.A. 
Travis J. Winkels, Towers Perrin
Henry Witmer, A.M. Best Company                            
John Wolfzorn, The E.W. Scripps Company                
Richard R. Wood, FM Global                
Michael Woodroffe, Kirkway International Ltd.                
Chris N. Woodward, Noble Assurance Company (Shell)
Carolyn A. Wright, Safety National Casualty Corporation                
P. Bruce Wright, Esq., LeBoeuf, Lamb, Greene & MacRae, L.L.P.                
Oceana Yates, Quest Management Services Limited                
Juan Zitnik, Fianzas Y Credito S.A.