ABA Insurance Risk Management Forum

February 5 - 8, 2017 • Hotel del Coronado • San Diego, CA

 

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Forum Program

This is the only national industry Forum developed by bankers for bankers to provide tangible takeaways on how you can manage and mitigate exposures. Learn the latest trends that impact effective coverage, inclusive mitigation strategies and sound operational policies while meeting with your insurance partners from around the world.

We have lined up fantastic keynotes this year along with some new networking opportunities. Be sure to mark your calendar for:

Mon, Feb 6th 8:30 – 9:45 am Opening Keynote Presentation from Florent Groberg, a true American hero
Mon, Feb 6th 10:00 – 10:30 am Outlook for 2017, it will only be two weeks since Donald Trump has taken office, come listen to ABA’s CEO Rob Nichols outlook
Mon, Feb 6th 1:30 – 2:15 pm Breaking Thru the Noise with Debra Jasper.  She will then host a LinkedIn Lab immediately following this session in the Marketplace helping you redesign your LinkedIn page so bring your personal password
Tues, Feb 7th 8:30 – 9:30 am More Lessons of the Dark Web with Adam Tyler
Wed, Feb 8th 8:30 – 9:15 am Managing Uncertainty: A View From the Strategic Chair with Wharton’s Kathy Pearson.

Our Corporate Partners will keep you busy morning, noon and night. Here are some of the numerous networking events you won’t want to miss:
  • JLT Welcome Reception, Saturday 5:00 pm   Registered bankers and invited guests
  • Marsh Super Bowl Party, Sunday 3:30 pm   Registered bankers and invited guests
  • AIG Networking Reception, Sunday 7:00 pm   All are welcome
  • AON Client Event, Monday 6:30 pm    Registered bankers and invited guests
  • Allianz Networking Reception, Monday 9:00 pm    All are welcome
  • Arthur J Gallagher Happy Hour, Tuesday 5:00 pm   Registered bankers and invited guests
  • Willis Towers Watson Dinner, Tuesday 7:00 pm   All are welcome
  • Bermuda Markets Late Night Event, Tuesday 9:00 pm   All are welcome

2017 Program

DATE & TIME SESSION
Saturday, February 4
5:00 - 7:00 pm JLT Welcome Reception (Registered Bankers and Invited Guests Only) Join us for the first event and beginning of the 2017 ABA Conference. This event is open to all registered ABA Bankers and their invited guests. Note: Restaurant is located near Hotel del Coronado (less than a 5-minute walk)
Sunday, February 5
11:30am - 3:30pm Registration (Grande Hall Foyer)
11:30am - 12:30pm Welcome Refreshments Sponsored by CNA (Grande Hall Foyer)
11:45am - 12:45pm Lunch And Learn
AN ANALYSIS OF RISK MANAGEMENT & INSURANCE CHALLENGES FACED BY TODAY'S PRIVATELY HELD BANK & FINANCIAL INSTITUTIONS We are all familiar with the notion of doing more with less but how does today's risk professional handle managing the risks associated with a regional bank's operational assets/exposures and the proprietary assets/exposures of its owners? Today's session will probe this unique dichotomy with an emphasis on:
  • Exploring methods to present both risk profiles in order to achieve broad coverage terms and rate efficiencies
  • Considerations for when it is appropriate to combine risks and when to manage independently
  • Brokerage representation. Is one broker enough?
  • System integration & information flow
  • Managing cybersecurity risks for the family office
  • Claims management, deductibles and much, much more!
Moderator:
  • Bruce Plummer, President, Northern Trust Services, Inc.
Speakers:
  • Eric Gordon, President, The Denver Agency
  • Jenny Freeman, Personal Lines Manager, The Denver Agency
  • Tiara Wallace,MHR Personal Lines Manager, The Denver Agency
1:00pm - 1:45pm Deep Dive and Mortgage Impairment
Dissecting and understanding the correlation between Mortgage Impairment coverage and the loan review process. How can risk managers and loan servicers avoid coverage gaps and ensure that lender's interests are adequately protected? Today's discussion will explore these topics while taking a close look at the beginning, middle and end stages of the mortgage impairment negotiation process. The panel will: explore the benefits of tracking vs. non-tracking, share claim resolution best practices and much more.

Moderator:
  • Patricia Dennis, Vice President, Corporate Insurance Risk Manager, Zions Bancorporation
Speakers:
  • Bruce Plummer, President, Northern Trust Services, Inc.
  • Patricia Dennis, Vice President, Corporate Insurance Risk Manager, Zions Bancorporation
  • Mark Flippen, Senior Vice President, US Head of Financial Institutions, JLT Specialty US
1:45pm - 2:00pm Break
2:00pm - 3:00pm Cyber Attack...What Now? 
Come and join the panel conversation relating to what your Cyber Playbook should include in preparation of a network compromise within your organization. 

Sponsored by Travelers Insurance, the panel will include Cyber and FIB product and claims subject matter experts, in addition to Travelers VP. Cyber Risk Management, Edward Chang and a respected Data Breach Coach  Jennifer Coughlin, Partner  from the law firm Mullen Coughlin , LLC 

Bring your questions and engage with the panel in an interactive session. Opening with the understanding that a compromise has occurred, the panel will address next steps and provide insight as to responding insurance covers available.  The panelists will offer commentary on actual compromise events and will outline the pathway and challenges faced using real life examples. 


Moderator:

  • Heather Myerscough, Corporate Insurance Director, The Huntington National Bank
Speakers:
  • Edward Chang, Vice President of Cyber Risk Management, Travelers Bond & Specialty Insurance
  • Jennifer Coughlin, Partner, Mullen Coughlin, LLC
  • Lynda Jensen, Sr. Claims Counsel, Management First Party Liability, Travelers Bond & Specialty Insurance
  • Tracey Santor, FI Bond Product Manager, Travelers Bond & Specialty Insurance
3:30pm - 7:30pm Marsh Networking Event (Ballroom) - (Registered Bankers and Invited Guests Only)
Super Bowl Party
Marsh's Financial Institutions Practice cordially invites you to join them and your peers for their annual client event and Super Bowl Party! All registered bankers are invited to attend.
7:00pm - 9:00pm ABA/AIG Networking Reception (Sun Deck) - (All Are Welcome)
Mingle with friends old and new while enjoying the evening stars, crashing waves of the pacific and cool sounds of Ottopilot. All registered attendees are welcome to attend.
Monday, February 6
8:00am - 5:00pm Registration
7:00am - 8:00am & 12:00pm - 1:30pm Time Allotted to Meet with Corporate Partners (Viceroy Hall)
We know how important it is for you to be able to have one-on-one meetings with your underwriters and brokers. We have allotted these designated times for individual meetings.
8:00am - 8:30am Continental Breakfast Sponsored by Endurance
8:30am - 9:45am Opening General Session
8:30-8:40am
Welcome from Forum Chair


8:40-9:45am
Opportunities Earned & Leadership Lessons Learned: An American Hero's Journey
Why Florent Groberg? Celebrated military hero who demonstrated ultimate selflessness when he tackled a suicide bomber in Afghanistan in 2012, saving countless lives. His bravery and actions earned him awards and decorations including the Medal Of Honor, the nation's top award for valor in combat. With valuable life lessons on leadership, teamwork and sacrifice, he inspires audiences to see opportunity in even the most adverse conditions.

Moderator:
  • Frank Lagerstedt, Executive Director, Risk & Insurance Management, Morgan Stanley
Speaker:
  • Florent Groberg, Inspiring Medal of Honor Recipient, LinkedIn Spokesperson & Director of Veterans Outreach at Boeing
9:45am - 10:00am Refreshment Break Sponsored by Lockton
10:00am - 10:30am Outlook for 2017
The 2016 elections changed the landscape for banking policy in ways few predicted. What can our industry expect from the new administration and a new Congress? What policy priorities are likely to see action in the coming year? And how can bank employees shape the outcome of key debates?

Moderator:
  • Frank Lagerstedt, Executive Director, Risk & Insurance Management, Morgan Stanley
Speaker:
  • Rob Nichols, President and CEO, American Bankers Association
10:30am - 10:45am Break
10:45am - 11:30am The Crime of It All
20 years later, exposure catches up with coverage:  is the SWIFT / Bangladesh Bank cyber-heist of $81 million the type of loss that the Surety Association Computer Crime policy was designed to cover?  What are the nuances in the bond / computer crime form that could pose issues in the event of a claim?  Join us for a look at the newly minted Surety Association Computer Crime form.

Moderator:
  • Patricia Dennis, Vice President, Corporate Insurance Risk Manager, Zions Bancorporation
Speakers:
  • Rob Duke, General Counsel, The Surety & Fidelity Association of America
  • Roger A. Haynes, Area Executive Vice President, Client Executive, Arthur J. Gallagher & Co
  • Bill Jennings, Underwriter, Beazley
11:30am - 12:00pm Legalization of Marijuana: How It Affects The Risk Management Environment
The number of states approving medical and/or recreational marijuana use increased substantially following of the 2016 election.  With disconnection between state and federal laws, what is the effect on commerce, banking/FDIC, insurance and employers? Come to this session and find out!

Moderator:
  • Susan Stuhr, Managing Director, Corporate Insurance, Charles Schwab & Co., Inc.
Speaker: 
  • Mark Bolton, Sr. Deputy Legal Counsel To The Governor’s Office, State Of Colorado
12:00pm - 1:30pm Lunch on Your Own
Time allotted to meet with Corporate Partners
1:30pm - 2:15pm
Breaking Through The Noise: Communicating with Clarity and Impact
Are you communicating in a compelling way that captures attention? Today's audience has an eight-second attention span. Eight seconds. To capture their attention, your presentations, data and even your emails must be presented in a captivating and compelling way. In this engaging, highly visual session, Dr.  Debra Jasper will demonstrate how to break the three curses that come between you and your audience so you can:
  • improve your professional digital brand
  • avoid the five fatal presentation flaws
  • take advantage of new technologies to "wow" a crowd
  • write smart, skimmable messages and emails
Moderator:
  • Helen West, Hon BA, CRM, CIP, Director, Corporate Risk and Insurance Corporate Operational Risk Management, BMO Financial Group
Speaker:
  • Debra Jasper, Ph.D., Founder and CEO, , Mindset Digital
2:15pm - 4:30pm
Join Debra Jasper and her team to receive individual social media advice at our hands-on lab designed to give Forum participants pointers on Twitter, LinkedIn and other social channels. Sponsored by: Mindset Digital
2:30pm - 3:15pm
Unlocking the BlockChain
This session will cover the basic foundation of how blockchain technology has evolved from its Bitcoin origins to today. All payment transactions today require a third party or clearing house to process transactions where the parties don’t know one another.  Blockchain enables payments directly between strangers with certainty and immediate funds availability every time. But, it’s not just for payments: distributed ledger technology can be can be applied to every situation where there is a need for an incorruptible record of ownership whether it is property titles or concert tickets or shares of stock.  The group will also discuss how the technology is outpacing regulations and what that may mean for the banking industry.  Join us for a lively exchange about the past, present, and future of blockchain applications in the financial services marketplace. 

Moderator:

  • Steve Kenneally, Vice President, Payments and Cybersecurity Policy, American Bankers Association
Speakers:
  • Michael O'Loughlin, Director of Consulting, CGI
  • Raymond Zenkich, Managing Partner, Red Chalk Group
3:15pm - 3:30pm Refreshment Break Sponsored by STARR Indemnity
3:30pm - 4:15pm Big Data Usage
This session will is designed to get you looking at data in an entirely new way. Data driven decision making is not just a “nice to have”, but an imperative to protecting corporate value and minimizing volatility.  Technology advances have led to expansion in the sources and utilization of data beyond what was envisioned just two years ago.  This session will show how cutting edge big data can improve your risk management today and what’s next in big data predictive innovation.

Moderator:
  • Annette Hopkins, Vice President, ERM/Corporate Insurance, State Street Corporation
Speakers:
  • Ben Fidlow, FCAS, MAAA, Head of Core Analytics, Willis Towers Watson
  • Dr. David Loughran, Chief Economist & Director of Casualty Risk Analytics, Praedicat, Inc.
4:15pm - 5:00pm Blending Multi-Generations in the Workplace
Providing useful knowledge on the generations that make up today’s current workforce, including ways to attract and retain all generations, issues relating to generational “brain drain,” and practical tips on working in a multi-generational environment.

Moderator:
  • Jodi Ramsey, Director, Insurance Risk Management, Bank of America Corporation
Speaker:
  • John Bremen, Human Capital & Benefits Leader for North America, Willis Towers Watson
6:30pm - 9:00pm Aon Networking Event (Off-Site Location) (Registered Bankers and Invited Guests Only)
Aon Risk Solutions’ Financial Institutions Practice invites you to attend their annual networking event at one of San Diego’s best restaurants. All registered bankers are invited to attend.
9:00pm - 10:30pm Allianz Networking Event - Coronet Room (All Are Welcome)
Southern California is home to a vibrant craft brewing community featuring more than 30 active local brewpubs and/or microbreweries. At this special reception hosted by Allianz, guests will enjoy tastings of a variety of the finest beers the region has to offer.  Or, if cocktails are the preference, plenty will be on hand as well.  All registered bankers are welcome. Cheers!
Tuesday, February 7
8:00 am - 5:00 pm Registration 
7:00am - 8:00am & 12:00pm - 1:30pm Time Allotted to Meet with Corporate Partners
8:00am - 8:30am Continental Breakfast Sponsored by Argo Pro
8:30am - 9:30am More Lessons of the Dark Web
Adam Tyler recently noted: “Monitoring the dark web is never boring.  The bad guys are constantly coming up with ingenious new forms of attack.”  Adam has spent 15+ years monitoring the darkest areas of the internet.  After a few moments in this session, you will be scared...you will also quickly recognize the passion with which he attacks the challenges of bringing safety and protection to millions of users in a constantly evolving landscape.  We learned about spear phishing...hacking...spam...mobile malware...the TOR network...Zeus...and much more in 2016.  This year Adam will delve deeper into the darkness to help risk managers and other insurance professionals understand mitigating steps that can be taken and how to engage our IT departments in the risk management discussions. 

Moderator:
  • Jill Combs, Senior Vice President, Risk and Insurance Management, Wells Fargo Bank, N.A.
Speaker:
  • Adam Tyler (Hacker), Chief Innovation Officer, CSID
9:30am - 10:45am
Refreshment Break Sponsored by Great American Insurance Group
9:45am - 10:30am Emergent Cyber Risks and Extortion - Looking Through the Prism of New Threats
Russia, extortion and other criminal hacks of 2016 signal a dramatic evolution in the risk landscape for financial institutions.  This session will address emergent threats to not only operations but also the potentially severe risk for broader commerce in 2017 and the need to understand these risks and dynamic liabilities.

Moderator:
  • Roberta Nebel, Director, Barclays
Speaker:
  • Reid Sawyer, Senior Vice President, Credit, Political & Security Risks, JLT Specialty US
10:45am - 12:00 pm Corporate Partners Leadership Panel a.k.a:  Firing Line Fun
In a debate format, broker and insurer leaders will exchange thoughts on diverse insurance industry topics.  Highlights may include: what is next for the industry following the inauguration of our 45th President, a 2017 market outlook, innovations that are on the horizon, customer service in an always dynamic insurance environment and the latest current events impacting risk & insurance management.

Moderators:
  • Larry Goanos, President, Andros Risk Services
  • Jill Combs, Senior Vice President, Risk and Insurance Management, Wells Fargo Bank, N.A.
Speakers:
  • Joe Caruso, Regional Head of FI North America, Allianz Global Corporate & Specialty
  • Alexis Faber, FINEX Practice Leader, Willis Towers Watson
  • Mark Flippen, Senior Vice President, US Head of Financial Institutions, JLT Specialty US
  • Jackie Geiger, Managing Director, Financial Institutions Practice Leader, AON
  • Steve Goldman, Executive Vice President, Financial Lines, Chubb
  • Bill Jennings, Underwriter, Beazley
  • Marc Kunney, President, North American Operations, Integro Insurance Brokers
  • Dave Lynders, Industry Practice Leader, Financial Institutions and Financial Services, US Commercial Insurance, AIG
  • Mike Read, Business Development Director, ABIS
  • Tripp Sheehan, Managing Director, U.S. Financial Institutions Industry Practice Leader, Marsh
  • Chris Taylor, Head of Financial Institutions, Commercial Markets, Zurich North America
  • Stephen Troiano, Senior Vice President, Financial Lines, Chubb
  • Eileen Yuen, National Practice Leader, Financial Institutions, Managing Director, Arthur J. Gallagher
12:00pm - 1:30 pm Lunch on your Own
1:30pm - 2:00pm Unraveling the Mysteries of Cyber Attacks & Insurance: A Succinct Overview of What's Covered And Where
This high-level, fast-paced session will provide a general overview of the major exposures posed to financial institutions by cyber attacks and the potentially-relevant insurance products to address each.  Also to be discussed: The absolute essential elements that every Cyber Insurance policy should contain.

Moderators:

  • Larry Goanos, President, Andros Risk Services
  • Annette Hopkins, Vice President, ERM/Corporate Insurance, State Street Corporation
Speakers:
  • Samantha Billy, Assistant Vice President, AON RISK SOLUTIONS
  • Christopher Liu, Vice President, AIG
2:15pm - 2:45pm The Importance of Business Interruption Loss Quantification - Pre & Post Loss
Business Interruption insurance is an important component of a financial institution’s property insurance program. With the risk of loss ever increasing and often becoming more concentrated in specific physical locations, such as data centers, it is necessary to identify and quantify BI values and exposures in a meaningful way, taking into account the vagaries of today’s insurance policies, the business continuity and mitigation plans in place within the organization, and the capabilities - and limitations - of the loss adjusting process.
  • This session discusses the process behind BI exposure quantification and the importance of doing so as it relates to securing the proper insurance coverage and assistance in adjusting a loss.
  • The discussion will also outline a methodology for leveraging the BI exposure quantification process to help understand and quantify emerging risks including cyber. 
Moderator:
  • Carmelo Casella, Managing Director, Corporate Insurance, The Bank of New York Mellon
Speakers:
  • John D. Dempsey, CPA, CFE, Managing Director and Global Practice Leader, AON Risk Solutions
  • Lori Schwartz, Executive Director, Risk and Insurance Management, Morgan Stanley
2:45pm - 3:00pm Refreshment Break Sponsored by Berkshire
3:00pm - 3:45pm New Working Paradigm
Non-traditional work environments offer an attractive, less expensive business model that benefits many corporations in the US.  Working from home poses similar risks to working at the office.   Despite the location, employers are responsible for providing employees equally safe, healthy work environments.  Explore the development of HR, technology, communication and security policies around virtual workers. We will go one step further, outside commonly addressed topics - the impact of social isolation on the virtual worker.

Moderator:
  • Susan Stuhr, Managing Director, Corporate Insurance, Charles Schwab & Co., Inc.
Speakers:
  • Kelly S. Geary, CIPP/US, Principal, Coverage Counsel & Claims Leader, Integro
  • Laura Langone, Senior Director, Global Risk & Insurance, PayPal, Inc.
4:00pm - 5:00pm International Panel
In the wake of the 2008-2009 financial crisis, the legal system in many foreign countries adopted firmer laws governing employee’s conduct & accountability while also limiting an organization’s ability to extend indemnification and insurance protection. Today’s risk management professional must understand the risk and legal framework in the countries they operate in order to ensure directors and officers are afforded the proper levels of protection required in today’s business environment. Our discussion panel will address issues and questions to include:
  • How to achieve coverage continuity and risk appetite consistency globally?
  • Looking at local policies and disparity across operations and the best way to structure a comprehensive D&O program.
  • Line of indemnity and how it flows through based on the country.
  • Triple taxation issues.
  • Lack of coverage in specific geographic areas.
  • Admitted/Non Admitted Taxes & coverage application
  • Health and Safety issues.
  • Panama Papers
  • Expats
  • UK-Senior Managers Regime & the 2014 Ireland Companies Act
Moderator:
  • Bruce Plummer, President, Northern Trust Services, Inc.
Speakers:
  • Ann M. Longmore, Managing Director, Marsh Finpro
  • Mike Morales, Senior Vice President, Head of Diversified Financial Group, Zurich North America
5:00pm - 7:00pm Happy Hour Sponsored By Arthur J. Gallagher (Registered Bankers and Invited Guests Only)
7:00pm - 9:00pm ABA/Willis Towers Watson Networking Dinner Sponsored by Willis Towers Watson (Garden Patio)
Enjoy a casual and relaxing networking evening.  Dine under the stars while enjoying with the sounds of a younger and hip swing band, the Hi-Fi Honeydrops.  All registered attendees are welcome to attend.
9:00pm - 10:00pm Late Night Bermuda Markets Events (Garden Patio)
What do you call a group of beautiful power house violin soloists who know how to rock out? That's right, BELLA ELECTRIC STRINGS! These girls have rocked out to audiences worldwide and have performed with some of the biggest names in the business, including Beyoncé and Andrea Bocelli.  You won’t want to miss this special performance brought to you from the Bermuda Markets. All registered attendees are welcome to attend. 
Wednesday, February 8
8:00am - 8:30am Continental Breakfast (Sponsored by Aspen London)
8:30am - 9:15am Managing Uncertainty:  A View From The Strategic Chair
Today’s business environment is no longer described as having an “ebb and flow”, but rather a permanent “whitewater” condition. This increased speed of change has caused a movement from discrete-event strategic planning to more dynamic planning - the quarterly strategy “refresh”, for example. However, many organizations struggle with the ability to stay nimble to respond to rapid market changes because of a variety of factors. This session presents this challenge in the context of balancing short-term versus long-term objectives, provides the perspective of senior leaders, and explores the role of risk management leaders in addressing the challenge.

Learning Objectives

After this session participants will be able to:
  • Understand the challenges facing senior leaders in managing uncertainties.
  • Develop concrete actions to support these leaders and the organization in managing uncertainties.
Outline
  • Introduction to framework around managing short-term versus long-term objectives.
  • Behaviors in meeting short-term objectives should be fundamentally different than for longer-term objectives.
  • A more holistic approach to managing uncertainty is required for the long term, including strategic agility.
  • Importance of establishing decision rights, especially when faced with major uncertainties.
  • Three steps to strategic agility and the role of risk management in supporting agility.
  • Identifying key uncertainties (and known knowns).
  • Building a process for tracking the uncertainties.
  • Determining areas for adaptability and experimentation.
Moderator:
  • Frank Lagerstedt, Executive Director, Risk & Insurance Management, Morgan Stanley
Speaker:
  • Kathy Pearson, PhD. President, Enterprise Learning Solutions, Adjunct Senior Fellow, LDI, The Wharton School, University of Pennsylvania
9:15am - 9:30am Break
9:30am - 10:15am Managing Mega Events and Related Risk - Lessons Learned
Managing risk involves a judicious mix of preventing the risks that can reasonably be prevented, learning to recognize the ones that can’t be prevented, being prepared to react to mitigate damage, and having the resources to recover from the problems that do occur.  The world of risk management is constantly evolving to recognize new dynamics, resources and analytics...pointing to ever-changing opportunities and potential solutions.  You will be intrigued and amazed by the information shared in this closing day session...Don’t miss it! 

Moderator:
  • Jill Combs, Senior Vice President, Risk and Insurance Management, Wells Fargo Bank, N.A.
Speaker:
  • Stephen McKay, Head of Industry Services - Client Risk Solutions, AIG
10:15am - 10:30am Coffee Break
10:30am - 11:15am Cyber Legal War
An update on the cases driving the evolution of the cyber legal landscape.

Moderator:
  • Jodi Ramsey, Director, Insurable Risk Management, Bank of America Corporation
Speakers:
  • David Goodwin, Partner, Covington & Burling 
  • Christopher Celentano, Senior Vice President, Gropu Claims, Chubb Group
11:15am - 12:00pm Risk Manager and Career Guidance - Panel Discussion
Professional development: peaks, pitfalls, politics & the power of persuasion.  From ‘do wells’ to ‘do betters’, the panel will share learning opportunities from navigating their own careers and ideas for solving every day challenges from employee engagement to broker competitions, communicating up, and other political minefields.  

Moderator:
  • Helen West, Hon BA, CRM, CIP, Global Director, Corporate Risk and Insurance, Risk Operations, BMO Financial Group
Speakers:
  • John M. Bell, Managing Director, Insurance and Risk Manager, Financial Operations of the Americas/FMA, MUFG Union Bank, N.A.
  • Lisa Grapek Drillich, ESQ., Senior Vice President, Director, Corporate Risk & Insurance New York Community Bancorp, Inc.
  • Jill Combs, Senior Vice President, Risk and Insurance Management, Wells Fargo Bank, N.A.
  • Roberta Nebel, Director, Barclays
12:00pm Chairman's Closing Remarks
Official Program Ends

12:00pm - 1:30pm
Community Bank Peer Luncheon (Hanover Room)

​Program Questions? Please contact Sheryl Brannon ​for more information.