After graduation, my wife and I moved to Salisbury Maryland where we bought a house, had a son, and I went to work in my family's mortgage banking operation as had been preordained and was the reason I was able to scrimp on my studies to maximize the joy of a college education. I became active in many civic projects and received national and state awards for my accomplishments. I won a historic primary election, did some acting and became chairman of the membership committee of the country club and the finance committee of the church. I started a crew at the local university and a men's tennis association. I was a fair-haired youth and the toast of the town.

The Maryland Legislature passed some laws to help their constituents and made it illegal to originate FHA mortgages, putting me out of business, and at the same time I had another baby who died. I had not prepared for either of these events. I moved to Baltimore and a was employed by the First National Bank of Maryland being groomed for its presidency. After earning substantial funds for the bank, I was fired (others wanted this presidency). Another year rolled by without employment. I vented on the rugby field but had regrets for not applying myself more to my scholastics and was fraught with self doubt.

Finally I was hired by a mortgage company and I put together a shopworn deal no one else had been able to do and I was back on top of my game. I formed the states first mortgage banking Service Corporation. I sold the first batch of mortgages ever purchased by Freddie Mac in the State. There were only five such corporations in existence in the country at that time and the company rose to national prominence as a success story. I gave talks, sat on panels, conferred with the Savings and Loan League executives and I made money. I was the first to form an out of state branch; the first to originate wraparound mortgages in the state; and, first to originate tax free industrial revenue bonds through a federally chartered S & L. The Association that held all of my stock merged with another on whose board sat a number of prominent lawyers who also represented the shadow government of the City of Baltimore an we were introduced to political lending (now rampant)to which I was very much opposed. Once again I was fired and , this time, also blackballed. Perhaps I could have gotten a job with an international company, but I never run from a fight. A three hour call to the Federal Home Loan Bank Board closed the doors of the institution I had built and those who had fired me were dismissed

themselves and jointly and severally sued. I then exposed the shadow government driving them further underground. I dropped out, hating the government and society in general for being composed of two-faced liars that they are.

I went to work on a horse farm mucking stalls,making hay, building roads, and I became a hot walker at the track. I started the Baltimore Rowing Club, I coached the Hopkins Crew, I ran a marathon, learned carpentry, plumbing and electrical work, got a captains license and delivered boats, became a charter boat captain, a ferry boat captain, a para sail captain. I became a Realtor/Broker and was licensed to sell securities, life insurance, health and accident insurance, I twisted up steel, pumped concrete,built forms, stood on my head in a sewer pipe with a cutting torch. I became a sailing instructor. I bought/renovated/rented/managed/financed and sold my own residential property and sailed in the Perfect Storm. I nursed my Mother through her cancer until she died.

I traveled to France and met my second wife, Susanna, a British girl from Oxford. Not long after we exchanged our nuptial vows, she was diagnosed with a third phase ovarian cyst. Affirmative action would have killed her had I not taken my own brand of Tiger action into the twisted mess that is this country's health system. She lived twelve years after that and died five years ago this March. I have done a lot of travelling since then and am content with my own life although still completely disillusioned with all going on around me in the political world. I find I like almost everyone I meet (regardless of the country I am in) and almost always abhor those running the governments. I retired over 30 years ago at the age of 40 from my professional career and have learned lessons in humility since then; although, I want for nothing and have a full enjoyable life. My son is happily married, well along on the road to success, and they have provided me with two lovely grandchildren that are talented, smart and have started their own list of accomplishments. Now I find myself completely retired with the exception of one final goal: BUILD THE BOATHOUSE.

Following graduation in 1965 I went to the University of Stockholm for a semester to study economics since I had no idea what I wanted to do. After returning I enrolled in Fordham University in the Bronx where I was a commuter student,in a gas station on I-95 in Darien and taking classes in the Bronx in the afternoon. I got my MA in Economics in ’67 and went to work at the Commerce Department in Washington where Don Cadle literally plucked me out of the office where I was working and had me to work for him setting up the Office of Foreign Direct Investment, the first of a number of crew members or crew spouses that he work for him. I was subsequently drafted, sent to Fort Jackson SC and Fort Leonard Wood in MO and then went to Officer Candidate School at Fort Belvoir Va. Having survived the physical challenges of the crew, the early morning work outs and the psychological games played on us by the coaches, OCS was a breeze by comparison.

From there I went to work at the Pentagon where I did a lot of cost analysis on Army units operating in Viet Nam and life cycle costing of weapons systems. I had married Carol by this time and our daughter was born at Fort Belvoir. When I got out of the Army in 1972 I stayed in the DC area, worked at the Treasury Department in International Affairs and finished up my MBA at George Washington University. I could only work for so long for the government and so moved to New York for a position with the Chemical Bank. They decided I would fit a job in the Middle East so sent us (Carol and I and our daughter and son) to Iran where we thoroughly enjoyed our time despite having our tour cut short by the Iranian Revolution. My last sight of Tehran was three days after the hostages were taken in 1979 and I had to get myself on a flight out without being picked up by the Revolutionary Guards ( shades of Argo).

We were assigned to Bahrain where I ran the branch and travelled throughout the Gulf and Saudi Arabia for four years. This posting allowed us to travel as a family throughout Turkey, India, Egypt, Morocco and Spain and Italy. From Bahrain we went to Hong Kong where I became part of the merchant bank. Then to London to run the bond sales desk. While I was there I concluded that working on the sales desk at an investment bank was really a job for people in their 20’s, not only for the pace but the very liquid lunches at the local pub which generally lasted an hour or more every day in London. We came back to New York in 1986 and settled in Westport CT while I commuted to lower Manhattan where I worked in the operations area of the bank which in those days involved paper processing, quite a change from investment banking. I liked the people better. Hated the commute and the bank mergers then starting so jumped at the opportunity to move to Maine in 1993 to run a small ($180 million and 90 people) community bank in Downeast Maine. Carol and l have loved being able to be part of the local community, knowing all our neighbors and I loved knowing every single employee and their families. Running things on a small scale you see the immediate impact of decisions on the organization and on the people involved. Plus you do not have to go through 10 committees and six months to get something implemented as you do in a large bureaucracy. I was on the board of the Federal Reserve Bank of Boston, headed up the local Red Cross unit and spent time on the hospital board in town. I retired at the end of 2008 and have been enjoying retirement, being involved in a few local activities, spending a lot of time on genealogical research and writing our family histories. We have two houses in Maine so the upkeep and maintenance of an 1890 Victorian and a 1920’s summer cottage are an ongoing project with no end in sight. Carol meanwhile has become quite the photographer now that her corporate spouse role is finished and she has the time to devote to developing her artistic and writing skills, posting photos to Flickr and writing her own blog.

Our son and his children live in Trumbull CT where John is Assistant Director of the Darien Library and our daughter and son in law just moved from Washington DC to York Maine where Joel is the Executive Director of the Museums of Old York and Janet works at the Peabody Essex Museum in Salem, Mass and the Ogunquit Museum in Kennebunk.

After I graduated Georgetown, in 1965, I attended Harvard Law School for three years and graduated in 1968. I then taught at the University of Iowa Law School for three years, took a year off to get a Masters in Public Policy at the JFK School at Harvard and moved to Washington, D.C. I worked for 3 years at the Environmental Defense Fund and then worked for several law firms winding up at Drinker Biddle from which I retired in 2011. I am now working part time as a consultant for the Pacific Economics Group and doing financial writing on Seeking Alpha.

I am lucky to be married to a wonderful woman; Cherry Wyman and I tied the knot in 1982 and we have two great kids, Philip and Penny, both in their twenties. Philip went to Georgetown but did not row although he rowed in high school.

I had some interesting times in law practice – some exciting civil liberties and criminal cases early on, the notorious Reserve Mining case while at EDF, all sorts of tangled commercial disputes, an investigation of what then was considered a large Ponzi scheme operated out of San Diego, and – near the end – the representation of the Native Americans seeking the cancellation of the trademark for the Washington football team on the ground that the term “redskin” disparages Native Americans.

Over the years, I have done a lot of sailing – we have a boat on the Bay and we have learned through bare boat chartering in the Caribbean, the Aegean, and the Pacific that we have been spoiled by sailing on the Chesapeake, which is a very “forgiving” body of water. I also made a crazy decision to take up stand up comedy about 5 years ago and I have performed at clubs in DC, Baltimore and New York. I have the MC introduce me as “One of Washington DC’s promising young stand up comics” and then warn the audience that if they heckle me, it has to be “loud” or I won’t hear it. Some have unfortunately obliged me. Lots of generational material and a little bit of political stuff but that material tends to have a very short shelf life. Although it has been a lot of fun, I am glad I did not have to make a living that way.

I very much appreciate the work that Linda, Jack and others have put into getting us together. I have fond memories of rowing for Georgetown (less fond memories of getting ready down in the gym). I haven’t kept up with people from Georgetown as much as I would like and maybe now that I am at least semi retired, I will be able to do.

I attended Fordham Law School beginning in September 1965 and managed to graduate in June 1968. Thanks to Father Sellinger I got a job as a Dorm Counselor at Fordham’s Rose Hill Campus in the Bronx. Being present on this campus enabled me to make contact with the Fordham crew which was desperate for a coach for the Freshmen Lightweights, a job that I filled for 3 years. I definitely got a greater return from the effort than my investment. The high point of my coaching career came in April 1968 when my kids won a multi-boat race that included a crew from Philadelphia coached by Jack Galloway. Crew enabled me to excel at Georgetown and to survive the law school experience.

After graduating from Fordham I became a Vista Volunteer (Volunteers in Service to America). I’m sure you recall than none other than Don Rumsfeld was the director of this Federal program. Anyway, I was stationed in Kansas City where I mostly worked with Legal Services.

1969 was a pretty good year. The Jets won the Super Bowl, I passed the Missouri Bar, met my wife-to-be, Ming, a new Volunteer from California, and the Mets won the World Series.

Ming and I married in June, 1970 and moved to New Jersey where I practiced law, first with Legal Services, then a private practice firm, and finally, on the legal staff of New Jersey Manufacturers Insurance Company (30 years) where I ended up as Assistant VP in charge of the 20-member in-house Workers Comp Legal Staff, retiring in August 2005 (the sentence is a bit run-on, somewhat like the statues I’ve been forced to try to comprehend.)

During that 30 year period Ming and I produced and raised three kids, Kim, Matt and Lea. We now have 2 sons-in-law, one daughter-in-law, and 2 grandchildren. The latter lived in DC where their parents, Kim and Ken, work at the Pentagon. We lived in Princeton for 20 years and I reconnected with Don Cadle when we first moved there in 1986.

A few months after retiring at age 62 we moved to St. James Plantation in southeast North Carolina, better known as Cape Fear. St. James is a wonderful golf and tennis community with low taxes, NO ICE or SNOW, and, so far, no hurricanes. Summers are spent in a small community at northern Lake George where the humidity is lower than St. James. Time is spent playing tennis, kayaking, reading and doing community work.

I’ve had a blessed life. Next to my wife and kids, the experience of rowing at Georgetown has been my greatest joy.

Being a part of the Georgetown Crew and having the good fortune to have known Don Cadle has had a profound and continuing impact on my life. I was a late bloomer. I didn’t start rowing until the fall of my junior year. But, it almost didn’t happen. It was September, 1963 and I had just returned to campus after having spent the summer working on the SS African Lightning, a Farrell Lines freighter that stopped at a dozen ports along the west coast of Africa. After living on a ship for over three months I felt a real need to get some exercise. Georgetown was organizing a club football team so I went down to McDonough Gymnasium to sign up and get my football gear. I hadn’t even considered rowing as an option. The only rowing I had ever done was during a safety drill in one of the ship’s lifeboats while we were docked and unloading cargo at Matadi, a port town 100 miles up the Congo River. The equipment manager for the football team, however, must have had a bad night and never showed up that day. So, I was walking back to my room in New South when I bumped into Dean Conley. Dean was on his way to the first crew practice of the fall season and invited me to come along. I didn’t know it at the time, but his invitation would have very positive impact on my life from that day onward. The details of the next two years from 1963-65 that I was a member of the Georgetown Crew are being told quit ably by Ed Whitman in his richly detailed memoir, so I will say only that I am extremely proud to have been part of it and to have become friends with such a great group of people.

After graduating from the Foreign Service School in 1965 I spent five years at Harvard University and earned two degrees, a Masters in Public Administration (1967) from the Kennedy School of Government and a Ph.D. in Political Economy and Government (1970). For two of those years I roomed with another Georgetown crew alumnus, Marc O’Brien who was getting his MBA at Harvard Business School. During the spring of 1966 Marc was rowing in a boat that Harvard’s coach Harry Parker was putting together to row in international competition that summer. Marc encouraged me to temporarily fill one of the seats that would surely be filled by one the Harvard varsity rowers once their collegiate season was over. So, in late May when the opportunity to go to Vietnam that summer came up as an alternative, I took it.

I worked in a civilian capacity for USAID in Vietnam during the summer of 1966, and did an economic analysis of the impact of the commercial import program for our Embassy’s policy makers. Later on in 1967-68, I returned to Vietnam for the Simulmatics Corp directing a study of the reliability of the hamlet pacification data for the Department of Defense. During this period I made three extended trips out to Vietnam and spent time in almost every province. While in Vietnam, I crossed paths on several occasions with Jim Mietus and Bob Remuzzi. I now marvel at how we caught up with each other before cell-phones.

While living in the Boston area I had joined Cambridge Boat Club and got to know an economics professor at Harvard named Arthur Smithies who was a member at CBC. He was also the Master of one the Harvard undergraduate houses, Kirkland House. Some of you may recognize the name from the movie the Social Network. Kirkland was where Mark Zuckerberg lived as an undergraduate when he founded Facebook. In 1968 Professor Smithies invited me to be a Resident Tutor at Kirkland House, where along with free room and board I got to teach a house seminar on politics and to coach the Kirkland House crew. I knew very little about how to teach the technics of rowing, so I tried to emulate the positive and optimistic approach we all learned under Don Cadle. It worked, and Kirkland won the house championship in 1970. After the race I made sure that I followed what Don had taught us was the proper way to celebrate a rowing victory at Oxford. We drank “black velvet” (Champagne and Guinness Stout) out of the silver trophy cup.

After Harvard I moved back to Philadelphia, took a teaching position at local community college, and decided to take a run at elective politics. In 1972 I ran unsuccessfully in the democratic primary for the U.S. House of Representatives in Pennsylvania’s 2nd congressional district. I will always be grateful to the help I received during the campaign from my Georgetown rowing friends and especially the help on election day from Don and Inge Cadle and their daughter Caron, as well as from Marc O’Brien who has been a life-long friend. It was during this period that Don gave me some good advice about the need to focus my energies on creating a career that would allow me to pay the bills. So soon after that in 1975 I took a position heading up a private sector sponsored economic development effort in the City of Chester, PA, and then moved on in 1977 to a senior position at a regional commercial bank.

In 1979 I began what would be a 16 year run as the managing partner and president of an independent energy and environmental development company called American Hydro Power Company. Between 1979 and 1995 AHP developed 10 projects with a total capital cost of $450 million. These projects included 7 hydroelectric power plants, an 80 megawatt waste coal plant and two paper recycling plants. These were all done under a “project finance” structure which meant somebody else put up the bulk of the money and AHP was paid a development fee and then retained a carried interest in the project. As part of the financing for most of these projects we brought in equity partners. These included non-regulated subsidiaries of electric utilities, a Japanese trading company, a Finnish heavy equipment manufacturer, a Japanese bank, and a German construction company.

The debt financing for one of the projects involved assembling a consortium of seven banks from Great Britain, France, Germany and Japan. When I was in London in 1989 negotiating this transaction, Kyra and I had a chance to visit with Linc and Muffin Hoffman. Linc came up with tickets for the Stewards Enclosure at Henley, and one of the races we saw that day had a crew from the Shipley School with both Jim Hanna’s son and Jack Galloway’s son in the boat.

By 1996 the market for independent power projects shifted, and I looked around for another business opportunity. I had just developed two paper recycling projects which were about to come online and I thought I saw an opportunity to integrate upstream into the retail market. So I formed American Renaissance Paper which offered a line of recycled copy paper. The company never achieved profitability, however, and for two years I wrote a check every month before we shut it down in 1998. In late 1997 with the demise of my recycled paper venture imminent, I had begun to look into ways to build a business that would take advantage of the cost savings offered by the Internet, and started a company called InterNetEx which provided cloud based document collaboration solutions for the legal and real estate markets. This business was about 10 years ahead of its time, and just a little bit more successful than the recycled paper business, but not by much. I still wrote checks to pay the bills, only this time the checks were smaller and not as frequent. By 2003, however, it had become clear that this business model was not working either. I began to think that maybe I should have gone to business school after all and learned something about marketing before starting these companies.

My fortune, however, was about to change. I had gotten to know a technology genius named Manoj Sinha who had come to the U.S. from India in 1999. He brought with him a fascinating new technology tool that his Indian based company had developed which allowed non-programmers to automate business processes without the need to write computer code. So in 2003 we formed Coriendo, LLC to build solutions for clients using this tool. We initially focused on the financial services market and progress was good from the start. In 2006 we took a big step forward when we won a bid to link together the health information systems of the VA and DoD at an army facility in Hawaii. Then after the 2008 election the whole area of health information technology took off. Coriendo has grown along with this. We added another partner in 2011, and now do work that is focused in linking together systems that need to talk to each other involving hospitals, health plans, and physician practice groups.

I have been a late bloomer in my personal life as well. I didn’t get married (for the first time) until I was 29. My son Brendan, my first child, was born when I was 38. I was divorced in 1984, and spent over four years as a single dad with joint custody of my son who was less than two years old at the time. This experience gave me great respect for those that have to balance work and child rearing as single parents. And it was about 15 months after my separation and divorce that Don Cadle taught me a very important lesson. I was deeply embarrassed, and had not figured out how to tell Don and Inge that I was divorced. I finally wrote Don a letter explaining why I had not been in touch, and within just a day or two I received his handwritten reply. He wrote that too often we tell our friends about our successes, but never about our failures and our needs. He said it was especially important, however, on these occasions that we reach out and tell our friends because it was in the bad times that a good friend would want to be of help, and we should give them the opportunity.

I married for the second time in 1988 when I was 44. My wife Kyra and I will celebrate our 25th wedding anniversary this coming July, and have lived in the same house in Bala Cynwyd (PA) just outside of Philadelphia for nearly as long. We had a major electrical fire in 2006, and fortunately no one was hurt, but we had to live elsewhere for 9 months while it was being repaired. The house was totally rebuilt to the way it was, but it now has less clutter in it.

My wife Kyra is an attorney, but has transitioned into management. She has been with WHYY, the public TV and radio entity in Philadelphia, for the past 15 years, and is currently its Chief Operating Officer. Our daughter Katie was born when I was 49, and is now a sophomore at the University of Pittsburgh. We adopted our daughter Kyra Anne in St. Petersburg, Russia in July, 1997 when I was 53, and she is now 16 and a sophomore in high school (Lower Merion). My son Brendan graduated from Georgetown in 2005 and went on to graduate school at Notre Dame where he earned a Masters. Brendan is now teaching at Paul VI High School in Haddonfield, NJ. My family is a continuing source of joy and happiness. Oh, and we have two dogs and a turtle.

One of my recent passions is learning to speak French. Two years ago I bought Rosetta Stone and now spend 45-60 minutes a day teaching myself French. The story behind this quest is too long to tell here, but I do hope to use it to develop new business opportunities in France.

I am still rowing competitively in a masters quad for University Barge Club, which happens to be the same boathouse Georgetown rowed from each May at the Dad Vail Regatta. Our quad practices 4 days a week in the early morning, and we enter about 7 races a year. I have an erg at home which I use on any day that I don’t row. I entered the CRASH-B Sprints in 2011 and finished 8th in my age group. I would welcome hosting my fellow Georgetown oarsmen for a row, or for lunch or a beer or two, whenever your travels bring you to Philadelphia.