>> I grew up in State College, Pennsylvania, and I went to Penn State.
I graduated in 1981 with a Bachelor's -- a B.S. in Accounting and a B.A. in French.
I moved to New York after I finished at Penn State,
and I took a job with a firm called Kitter Peabody [phonetic] which is no longer
in business, as a two year analyst in the investment banking group.
From there, I moved to another firm and continued in investment banking
for a couple years before I went back to school and got my Master's degree
in Business Administration from Columbia.
From Columbia, I moved on to a trading desk.
From there into a little more cerebral commercial banking role,
and ultimately into counter party risk,
which is what I've been doing for the last 20-some odd years.
I've been at Morgan Stanley for 16 years.