Ray is an independent consulting actuary with over thirty eight years of experience in the insurance industry including eighteen years as a consultant. He has a wealth of experience providing actuarial services in loss reserve analysis, ratemaking and product development, reinsurance pricing and analysis, regulatory compliance, and data compilation. He has earned the designations: FCAS, FCA, MAAA, CPCU, ARe, AIC, CIDM Major projects he has completed include studies of: Private passenger automobile insurance systems, Homeowners and condominium association property prices and products, Workers compensation self-insurance programs, Insurance company and self insured loss reserves, Highly protected property risk insurance rates, Insurance company general liability rates, Insurance company valuations, Reinsurance modeling studies, Expert witness support, and Other work spanning non-life actuarial projects.