President of the Baupost Group
Mr. Klarman is the President of The Baupost Group, L.L.C., which currently manages approximately $24 billion on behalf of individual and institutional clients. He has had primary responsibility for managing the investments of Baupost since the Company was formed in May, 1982. Author of Margin of Safety, a book that outlines his value investment philosophy, Mr. Klarman was chosen as lead editor for Security Analysis: Sixth Edition, published in 2008, and has been featured in a variety of investment industry publications. He is a 1982 graduate of Harvard Business School, where he was a Baker Scholar, and received his Bachelor of Arts, magna cum laude, in Economics from Cornell University in 1979. Mr. Klarman currently serves as Co-Chair of the Board of Trustees of Facing History and Ourselves and on several other not-for-profit boards.
President and Chief Executive Officer of The Rock Creek Group
Ms. Beschloss is President and Chief Executive Officer of The Rock Creek Group. Prior to this, Ms. Beschloss was the Treasurer and Chief Investment Officer of the World Bank, responsible for managing $65 billion in assets and a $30 billion funding strategy, as well as $160 billion in derivatives and structured products. In this position, Ms. Beschloss was instrumental in developing a $3 billion portfolio of alternative investment funds. Her previous responsibilities at the World Bank included Senior Manager of the Derivatives and Structured Products Group and Fixed-Income Portfolio Manager. Ms. Beschloss previously worked for J.P. Morgan in New York and London, for Shell International Group Planning in London, and she taught international trade at Oxford University. She is a member of the Board of Trustees of the Ford Foundation, where she has chaired the Investment Committee. She is also on the Board and Investment Committee of the Urban Institute and World Resources Institute. She is also on the Investment Committee of the Rockefeller Brothers Fund. She advises international pension funds and central banks and has written a number of journal articles and books. She holds an MPhil (Honors) in Economics from Oxford University.
Managing Director, J.P. Morgan Securities LLC
John Christmas is a Managing Director of J.P. Morgan Securities LLC and member of J.P. Morgan Private Bank's Alternative Investments Group in New York. Mr. Christmas sits on the Private Bank's Investment Team, which is responsible for making strategic investment decisions for Private Banking clients and also helps coordinate all direct investment deals. Prior to joining the Private Bank, Mr. Christmas worked in institutional sales for 15 years, selling and trading a wide range of products including equities, derivatives and high yield bonds. He began his career at Friedman Billings and Ramsey in Arlington, VA where he worked as an arbitrage trader before moving into institutional sales with a focus on covering hedge funds. In 2000, he moved to New York to join J.P. Morgan's Institutional Equity sales force with continued focus on covering hedge funds. Mr. Christmas left J.P. Morgan in 2006 to join CIBC and returned to J.P. Morgan in 2010. He received a B.A. from Brown University in 1996. Mr. Christmas resides in Short Hills, NJ with his wife and 3 children.
Partner, Ernst & Young
Jennifer has more than 14 years of experience serving clients in the financial services industry, including significant experience with global coordination of audits , controls reports and Sarbanes-Oxley 404 projects, and regulatory and reporting requirements in the US, UK and Switzerland, including US GAAP and IFRS. She has worked with a wide variety of banks and investment management organizations in the US, UK, and Switzerland with significant experience serving SEC registered financial services organizations, registered investment companies including ETFs, investment partnerships and investment advisors, and working on SAS 70/SSAE 16 controls reports.
Jennifer spent 4½ years in our Zurich, Switzerland office serving as an engagement partner for a global financial institution focusing on Sarbanes-Oxley 404 efforts and global coordination.
Jennifer has also worked in our New York, Atlanta, London and Chicago offices serving registered investment companies, investment partnerships and investment advisors.
Bachelor of Business Administration, Widener University, Pennsylvania, USA ; Certified Public Accountant in Illinois, Massachusetts and New York
Jennifer serves as an instructor of Ernst & Young training classes , speaker, counselor and mentor. She also serves as the Boston Financial Services Diversity Champion. In Switzerland Jennifer served on the GROW committee, Ernst & Young Switzerland's gender diversity and inclusiveness initiative, leading the KPI, goal setting and accountability project streams. Jennifer is a member of the American Institute of CPAs, the Massachusetts Society of CPAs, 85 Broads, 100 Women in Hedge Funds and has served as a moderator on various panel discussions.
Jennifer joined Ernst & Young's Chicago, IL office in November 1997. Prior to joining Ernst & Young, Jennifer was a senior accountant with BDO in Philadelphia, PA.
Professor Bruce C. N. Greenwald
Academic Director of the Columbia Business School Heilbrunn Center for Graham & Dodd Investing, and Senior Adviser, First Eagle Funds
Professor Bruce C. N. Greenwald holds the Robert Heilbrunn Professorship of Finance and Asset Management at Columbia Business School and is the Academic Director of the Heilbrunn Center for Graham & Dodd Investing. Described by the New York Times as 'a guru to Wall Street's gurus,' Greenwald is an authority on value investing with additional expertise in productivity and the economics of information.
Greenwald has been recognized for his outstanding teaching abilities. He has been the recipient of numerous awards, including the Columbia University Presidential Teaching Award which honors the best of Columbia's teachers for maintaining the University's longstanding reputation for educational excellence. His classes are consistently oversubscribed, with more than 650 students taking his courses every year in subjects such as Value Investing, Economics of Strategic Behavior, Globalization of Markets, and Strategic Management of Media.
Since 2007, Greenwald has served as Director of Research and currently Senior Advisor, for First Eagle Funds, a division of Arnhold and S. Bleichroeder Advisers, LLC. In addition, Bruce consults worldwide on a variety of issues concerning capital markets, business strategy, corporate finance and labor performance.
Greenwald is the author of several books including Competition Demystified: A Radically Simplified Approach to Business Strategy (with Judd Kahn, Putnam Penguin, 2005), Value Investing: From Graham to Buffett and Beyond (with Judd Kahn, et al, Wiley, 2001), and The Curse of the Mogul: What's Wrong with the World's Leading Media Companies (with Jonathan A. Knee and Ava Seave, Penguin, and Adverse Selection in the Labor Market (Garland Press, 1980).
Greenwald has received a B.S. and a Ph.D. from the Massachusetts Institute of Technology, and an M.P.A. and MS from Princeton University.
Co-Portfolio Manager, Tocqueville Asset Management Gold Fund
Douglas B. Groh is a Portfolio Manager and Senior Research Analyst at Tocqueville Asset Management L.P. He joined Tocqueville in 2003, where he is a Portfolio Manager of the Tocqueville Gold Fund. Prior to joining Tocqueville, Mr. Groh was Director of Investment Research at Grove Capital from 2001 to 2003 and from 1990 to 2001 held investment research and banking positions at J.P. Morgan, Merrill Lynch and ING Bank. Mr. Groh began his career as a mining and precious metals analyst in 1985 at U.S. Global Investors. Mr. Groh earned a B.S. in Geology and Geophysics from the University of Wisconsin-Madison and an M.A. from the University of Texas at Austin, where he focused on mineral economics.
Co-Founder and Managing Director of Investments, Morgan Creek Capital Management
Mike Hennessy is a Co-founder and Managing Director of Investments at Morgan Creek Capital Management. Prior to joining Morgan Creek in 2004, Mr. Hennessy was Vice President and a founding member of UNC Management Company. Primary areas of responsibility included domestic equity, international and emerging markets equity, opportunistic equity, absolute return, fixed income and enhanced fixed income. Mr. Hennessy also assisted in developing overall investment objectives as well as strategic and tactical asset allocation for the funds. Mr. Hennessy was responsible for monitoring individual managers and overall portfolio performance, as well as risk management. Prior to joining UNC in 1999, Mr. Hennessy was an Investment Director at Duke Management Company (Duke University) where he assisted in the management of $3 billion of various University-related investment pools. Before joining Duke in 1991, Mr. Hennessy was an Associate at Smith Breeden Associates, a quantitative investment management firm with offices in Chapel Hill, NC, and Boulder, CO. Mr. Hennessy received his Master of Business Administration with a concentration in Finance from the Fuqua School of Business at Duke University and he also holds a Bachelor of Science Degree in Philosophy, Psychology and Mathematics from the College of William and Mary. Mr. Hennessy is Treasurer of Duke University Federal Credit Union, a member of the Investment Committee at the Carolina Friends School, a member of the College of William & Mary Foundation Board of Trustees and Chair of its Investment Committee.
Co-Founder and Managing Partner of HighVista Strategies
Dan is a Co-Founder and Managing Partner of HighVista Strategies. Dan spent 23 years at Goldman Sachs, where he was a Managing Director and Regional Manager of the Boston Office. Dan serves as the Investment Committee Chair of the Board of Managers for CareGroup and Combined Jewish Philanthropies and is currently Vice-Chairman of the Foundation Board for the Beth Israel Deaconess Medical Center. Dan also serves as Chair of the Investment Committee and as a Member of the Board of Brandeis University. Dan received a BA from Brandeis University and an MBA from Harvard Business School.
CEO and Co-Founder of Sabretooth Capital
Erez Kalir is CEO and co-founder of Sabretooth Capital, a New-York based hedge fund focused on finding asymmetric investment opportunities across asset classes globally. He previously worked at Eton Park, McKinsey & Co., and in three branches of the US Government. Erez holds an A.B. (highest honors) from Stanford University, and MSc. (highest honors) from Magdalen College, Oxford, where he studied as a Rhodes Scholar, and a J.D. from Yale Law School, where he was senior editor of the Yale Law Journal.
Partner of Serengeti Asset Management
Vivian joined as a partner of Serengeti Asset Management in October 2008. Prior to Serengeti, Vivian was an eight-year veteran at Goldman Sachs (2000-2008) who was promoted to Managing Director in 2006 at the age of 28. She managed the Multi-Strategy Investing ("MSI") from 2006-2008, a multi-billion dollar proprietary investment platform within the Goldman Sachs Situations Group. MSI was mandated to opportunitistically invest across asset classes which include distressed debt, corporate credit, middle market loans, and equities. Vivian served on Goldman Sachs' America's Special Situations Group Investment Committee (2006-2008) and Specialty Lending Group Investment Committee (2006-2008). Prior to the promotion to run MSI, Vivian was a senior investment professional from 2002-2006 in the Special Situations Investing ("SSI"),the predecessor to MSI. She began her career on the Distressed Bank Loan Investing Group in 2000. Vivian graduated from Harvard University in 2000 with a degree in Applied Mathematics and Economics.
Richard Levich, PhD
Professor and Deputy Chairman for the Department of Finance, NYU Stern School of Business
Richard M. Levich is a professor of finance at New York University Stern School of Business and Deputy Chairman for the Department of Finance. He is a Research Associate with the National Bureau of Economic Research in Cambridge, Massachusetts. And he also serves as Editor of The Journal of International Financial Management and Accounting. Professor Levich teaches courses in international finance and international financial management.
Professor Levich's primary research areas include exchange rates, financial risk management, international capital markets, and multinational financial management. Professor Levich has authored or edited 15 books on various topics dealing with international finance. His latest book, International Financial Markets: Prices and Policies, second edition, was published in 2001 by McGraw-Hill/Irwin. Professor Levich has published more than 50 scholarly articles in many journals including Journal of Political Economy, Financial Analysts Journal and Journal of International Money and Finance. In addition to his work at NYU Stern, Professor Levich has consulted and lectured for numerous organizations that include the Board of Governors of the Federal Reserve System, General Motors, Morgan Stanley, and the International Monetary Fund. He has been a visiting professor at the University of Chicago, Yale University, and the University of New South Wales, among others.
Professor Levich received his Bachelor of Arts, Master of Business Administration, and Doctor of Philosophy degrees from the University of Chicago.
Chief Executive Officer of A.G. Bisset
Ulf has been with the A.G. Bisset from its beginnings in 1981 and now serves as its Chief Executive Officer. While directing and overseeing the firm's currency overlay and alpha programs, Ulf also produces and publishes the firm's monthly investment research periodical, "Review of Emerging Trends", and has been published in numerous articles on Currency Management. Ulf developed the core currency models used in the overlay and alpha programs. Ulf holds a BA in Economics from the Stockholm School of Economics
Chairman of the Sequoia Fund and Best-Selling Author/Journalist
Roger Lowenstein is a prolific journalist, best-selling author, and also is Chairman of the Sequoia Fund.
Mr. Lowenstein's New York Times best-sellers include, Buffett, When Genius Failed, (about Long-Term Capital Managemment) and The End of Wall Street. Other books include: While America Aged (forecasting a pension crisis) and Origins of the Crash (about the dot.com/Enron era).
Mr. Lowenstein began his career (after stints in Virginia and in Caracas, Venezuela) on The Wall Street Journal, where he worked 15 years, including as the 'Heard on the Street' and 'Intrinsic Value' columnist.
Mr. Lowenstein is now a contributing writer for The New York Times Magazine, Bloomberg/Business Week, The Wall Street Journal, The Atlantic, The New Republic and other publications. He has written numerous prominent articles and is the author of the April 2012 cover story on Ben Bernanke in Atlantic; Memorable NYT Magazine articles include cover stories on Bernanke, Sandy Weill, the Rigas family (indicted in a corporate accounting scandal), immigration, Social Security, and Pensions.
Joseph H. Morgart
Senior Vice President, Pyramis Global Advisors
Joseph Morgart is senior vice president, Alternative Investment Strategies, at Pyramis Global Advisors, a unit of Fidelity Investments. In this role, he is responsible for product strategy, development and positioning as well as communicating that strategy externally to institutional investors for Pyramis alternative investment funds.
Prior to assuming his current role in 2007, Joe was co-founder and managing partner of Boldwater Capital Management, an alternative investments firm focused on credit strategies for institutional clients, from its formation in January 2001 until November, 2007. Prior to co-founding Boldwater, Joe was with DB Alex Brown for seven years where he focused on a range of alternative investment strategies. Over his 20 year career, Joe also held positions at Anchor/Russell Capital Advisors, Bank of Boston, and IBM Corporation.
Joe earned a Master's degree in Business Administration from Northeastern University and Bachelor of Arts degree from Johnson State College. He holds the Financial Industry Regulatory Authority (formerly NASD) Series 7 license. He is a frequent speaker at investment industry conferences.
Vice Chairman of BlackRock
Barbara Novick, Vice Chairman, is a member of BlackRock's Global Operating Committee and Chairs the Government Relations Steering Committee. From the inception of the firm in 1988 to 2008, Ms. Novick headed the Global Client Group and oversaw global business development, marketing and client service across equity, fixed income, liquidity, alternative investment and real estate products for institutional and individual investors and their intermediaries worldwide. In her current role as a Senior Advisor to the Office of Chairman, Ms. Novick provides advice on strategic projects, including organizational structure and M&A transactions, and she heads the firm's efforts globally on Government Relations and Public Policy.
Prior to founding BlackRock in 1988, Ms. Novick was a Vice President in the Mortgage Products Group at The First Boston Corporation. Ms. Novick joined First Boston in 1985 where she was initially responsible for developing and marketing new products to savings institutions. Subsequently, she became head of the Portfolio Products Team, which structured, marketed and issued over $14 billion of structured securities, including the first senior/subordinated pass-through. From 1982 to 1985, Ms. Novick was with Morgan Stanley.
Ms. Novick is a member of the Board of Directors of both City Harvest and UJA-Federation. In addition, she is a Trustee and Treasurer of the Westchester Jewish Center, a Trustee of the Hypertrophic Cardiomyopathy Research Foundation, and coaches in the Westchester Youth Soccer League. Ms. Novick earned a BA degree, cum laude, in economics from Cornell University in 1981, where she was in the College Scholar Program.
CIO of The Mount Sinai Medical Center
Scott Pittman joined The Mount Sinai Medical Center as the SVP & Chief Investment Officer in January 2009. He is the first CIO for the institution and is charged with managing the institution's cash and investments including its $1.1 billion investment portfolio. The Mount Sinai Medical Center is located in New York City and is comprised of the Mount Sinai hospital, medical school, and affiliated hospitals. It is a globally recognized institution and ranks as one of our nation's top medical facilities. Scott also serves on the Investment Committees for two affiliated insurance companies. Scott was recognized by Institutional Investor as one of the "2011 Rising Stars of Hedge Funds" and by Foundation & Endowment Money Management as one of the '2011 Rising Stars of Foundations & Endowment'. Prior to joining Mount Sinai, Scott was the Director of Investments at Baylor University. Scott also served as an instructor in the Hankamer School of Business where he taught Baylor's graduate level Portfolio Practicum course where students actively managed a $7.0 million investment portfolio. Before joining Baylor's Investment Office, Scott taught corporate finance and economics within the University's business school, and he spent several years within the healthcare industry.
Judy Posnikoff, PhD
Co-Founder & Managing Director of PAAMCO
Judith Posnikoff, PhD is one of the founders of and a managing director at Pacific Alternative Asset Management Co., LLC, a global institutional fund-of-hedge funds firm based in Irvine, California and established in 2000. As chair of the firm's Investment Oversight Committee, Judy is involved in all stages of the investment process. She additionally oversees the firm's client and marketing efforts in the Asia-Pacific region. Judy is a member of the founding board of directors of the Association of Women in Alternative Investing (AWAI) and is on the board of the CAIA Foundation. Judy is also on the scholarship committee of the 100 Women in Hedge Funds Institute.
Luis M. Viceira
George E. Bates Professor of Harvard Business School
Luis M. Viceira is the George E. Bates Professor at the Harvard Business School, where he teaches in the areas of investment management and capital markets to both graduate students and practitioners. He holds a bachelor degree from the Universidad Autonoma in Madrid, and a M.A. degree and a Ph.D. degree from Harvard University. Professor Viceira has been a member of the faculty of the Harvard Business School since 1998.
Principal, Investment Consulting, Manager Research, Mercer
Peter is a principal on the Manager Research team of the Investment Consulting practice at Mercer. In this role, he reports on investment managers specializing in Currency, Commodities, Global Macro, and other Multi-asset strategies. Having joined the firm in 2008, he is based in Boston.
For 18 months previously, Peter was the president and chief investment officer of a firm where he designed and marketed a currency program to help asset managers. Prior to that, Peter spent sixteen years at State Street Global Advisors and PanAgora Asset Management in Boston, primarily as a currency portfolio manager. Previously, he held international equity research and sales positions in New York and Tokyo. Peter has a BA from Vassar College, an MBA from Columbia University, and an MS in International Economics from Suffolk University
Nancy G. Zimmerman
Founder and Managing Partner, Bracebridge Capital, LLC
Nancy G. Zimmerman is co-founder and managing partner of Bracebridge Capital, LLC, a Boston-based investment manager with over $5.5 billion under management and approximately 70 employees. The Bracebridge funds are primarily focused on pursuing an absolute return strategy by exploiting pricing inefficiencies in the global fixed income markets. Before founding Bracebridge in 1994, Ms. Zimmerman managed the interest rate option group worldwide for Goldman, Sachs & Co. Prior to joining Goldman Sachs in 1988, she headed the interest rate option group at O'Connor and Associates in Chicago, Illinois. Ms. Zimmerman joined O'Connor and Associates in 1985 upon her graduation from Brown University.
Geeta B. Aiyer
Founder and President of Boston Common Asset Management
Geeta B. Aiyer, CFA, is the Investment Strategist for Boston Common Asset Management's investment products. Working as a portfolio manager for institutions and individuals allows Geeta to combine her commitment to sustainability with her training and experience in investment theory and finance. She has worked with investments for over 20 years and was formerly President of Walden Asset Management, the social investment division of United States Trust Company of Boston. Geeta's prior work experience includes tenure with Cambridge Associates as well as public administration and rural development in India. She has founded two prior companies, Walden Capital Management (1994) and East India Spice (1987). She received her MBA from Harvard University and her BA(Hons) and MA degrees from the University of Delhi, India. Geeta serves on the boards of the Worldwatch Institute and the New England Foundation for the Arts.
Tiffany Cooper Gueye
CEO of Building Educated Leaders for Life (BELL)
Tiffany began with BELL in 1998 and as former Chief Operating Officer, Field Operations, led all program development, service delivery, assessment and evaluation activities, and policy-related initiatives. Through her leadership, BELL's programs and evaluation methods have been nationally recognized as best practices in out-of-school time programming (OST), and she is regarded as an authority on OST learning, measurement, and evaluation. Tiffany is a recipient of Boston College's Donald J. White Teaching Excellence Award and served as an instructor at Johns Hopkins University. She holds a B.A. in Psychology and a Ph.D. in Educational Research, Evaluation and Measurement, both from Boston College.
Alexa Cortes Culwell
Philanthropy Advisor and Visiting Practitioner at the Stanford Center on Philanthropy and Civil Society
For nearly two decades, Alexa Culwell managed foundations and philanthropic initiatives for successful entrepreneurs who leveraged money, influence, and knowledge to drive social change. She served as the CEO of the Charles and Helen Schwab Foundation and went on to become CEO of the Stupski Foundation. She is also a partner of SV2 and a Senior Fellow of the American Leadership Forum Silicon Valley. Her work has been cited in Harvard Business Review, Stanford Social Innovation Review and by Grantmakers for Effective Organizations.
Director of Foreign Policy, The Clinton Foundation
As President Clinton's Director of Foreign Policy, Ami works on a wide array of issues and programs, including the Clinton Climate Initiative, Clinton Development Initiative, Clinton Global Initiative, and relations with foreign governments and Heads of State. Ami serves on the Management Committee of the Haiti Development Fund, established by President Clinton, Carlos Slim, and Frank Giustra in 2010. Before joining the Clinton Foundation in 2007, Ami served as Legislative Aide to then-U.S. Senator Hillary Rodham Clinton, with responsibility for foreign policy issues including Africa, humanitarian crises, and international trade. Ami previously worked at JP Morgan on mergers & acquisitions, and at the Greater New York Hospital Foundation. Ami also has spent time with the United Nations, International Crisis Group, and Senator Ted Kennedy's office. Ami received a master's degree in Foreign Policy from Columbia University, and a bachelor's degree in Public Health from Johns Hopkins University.
Chief Program and Strategy Officer of the Edna McConnell Clark Foundation
Kelly Fitzsimmons became Chief Program and Strategy Officer in 2011. In this capacity she leads the strategic planning and management of the Foundation's grantmaking program. Before joining the Foundation in 2007, Fitzsimmons co-founded Zanana Studios, which provides enrichment services to women; LeadWell Partners, a boutique coaching and consulting firm for leaders, boards and management teams challenged by growth and change; and New Profit Inc., a nationally recognized venture philanthropy fund. Numerous case studies, books and articles have cited Fitzsimmons for her work in adapting business tools and practices to the nonprofit sector and for her contributions to evolving philanthropic practices. She serves on the boards of several nonprofit and philanthropic organizations. A graduate of McGill University in Montreal, Fitzsimmons holds an MBA from Boston University.
CEO of the Calvert Foundation
In January of 2011, Lisa Green Hall was appointed President and CEO of Calvert Foundation. Lisa has nearly 25 years of industry experience, having held multiple policy and financial posts. When Lisa joined Calvert Foundation in 2005, she took on management of a $76 million loan portfolio as Chief Lending Officer. Over the years, Lisa more than doubled that portfolio to nearly $190 million, while keeping losses under 1.2 percent during one of the most economically challenging periods in recent history.
Lisa has held positions in real estate and community development finance with the Enterprise Foundation, JP Morgan Chase and Travelers Insurance. She holds a BS in Economics from the University of Pennsylvania and an MBA from Harvard University. In 2003, Lisa participated in the American Marshall Memorial Fellowship, a travel program for emerging leaders from the US and Europe. Lisa serves on the Boards of the Boards of the Funders' Network for Smart Growth and Livable Communities, the Aspen Network of Development Entrepreneurs, the Tides Foundation, and the Tides Network.
Lisa has been featured in Forbes, the Washington Post, and dozens of other publications and has spoken at conferences including the annual meeting of the Congressional Black Caucus Foundation, SOCAP, Opportunity Finance Network, and Sustainatopia, and participated in summits at the White House and San Francisco Federal Reserve. She was recently dubbed an "Innovator in Action" by Take Part/Skoll World Forum. Follow Lisa on Twitter @LisaGreenHall.
Founder and Managing Director, FSG Social Impact Advisors; Senior Fellow, Harvard Kennedy School of Government
Mark Kramer co-founded FSG with Harvard Business School professor Michael E. Porter. FSG helps organizations achieve social impact by applying research, strategy, and evaluation to better solve social problems. Mark serves as a senior fellow in the CSR Initiative at Harvard's Kennedy School of Government. He is a founder of the Center for Effective Philanthropy and served as initial board chair. He has spoken and published on philanthropy and corporate social responsibility topics, including strategy, evaluation, leadership, social entrepreneurship, community foundations, venture philanthropy, cross-sector collaboration, and social investment. Mark is co-author of several Harvard Business Review articles; has published in Stanford Social Innovation Review and in The Chronicle of Philanthropy; and has been quoted by The Financial Times, The Economist, and NPR.