• M
  • E
  • M
  • B
  • E
  • R
  • O
  • F
  • T
  • H
  • E
  • Y
  • E
  • A
  • R

Education

Cornell University

Bachelors, Government, Cornell University (1958)

Specialization:

Consulting; Guidance; Regulations; Forms; Direction

Biography

In 1951, the Korean war was beginning. I was forced by my parents to change my application to Cornell from Bachelor of Arts to Engineering, because they feared that I would be drafted. I endured three terms of Mechanical Engineering and left school. I returned in the fall as a student in the Unclassified Division. After about two months of that I realized that I had not the slightest idea of what I was doing at Cornell, so I made a decision for myself, probably the first decision of my life, that I was going to quit school and VOLUNTEER TO BE DRAFTED, which I did and entered the service in March 1954. I served two years and returned to Cornell in Jan 1956, taking advantage of an "early release" program that the Army had for those students who wanted to leave the service to attend college or get into some seasonal employment. I was fortunate that I was sent to Europe, only because a friend of mine, took my spot, which would have sent me to the Far East, because he lived in the state of Washington and would be able to visit home, which he could not have afforded to do, otherwise, even though it meant that he would be sent on to Korea. FATE was playing on my side, because while at Cornell in Jan 1956 I met the girl who was to be the "love of my life" in 1993, when I married her after earlier being married in 1961 and later divorced in 1983. FATE once again played on my side. In 1958, after graduating from Cornell, I entered the family business, which I had always felt I was going to do. However, another member of the family just a little older than me, had already begun working in the business and after a while, I felt that there was no real future there for me, so I quit and went to the financial business, as many other young guys were doing. It was a "growth" business, then, even though the "growth" aspect has become much less apparent, more recently. So for the last 50 years or so, I have been in the financial arena. Wow, it doesn't seem that it has been that long, but it has been. So through good and bad, mostly good, I have managed to get where I am. My business partner and I, (a terriffic female partner), have managed to make compliance, administration and financial affairs in the brokerage industry a very interesting and satisfying endeavor. We now have our own brokerage firm and are pursuing opportunities in the area of companies which are creating new sources of fuel, power and energy and at the same time, conserving resources and helping the environment. It is very exciting to be on the leading edge of this new industry.

more members of the year

Instructor in Pathology (former); Psychologist (current)
Dept. of Pathology, Harvard Medical School
Mental Health Care
Cape Coral, FL
Senior Partner
Constangy Brooks Smith & Prophete
Law Practice
Leewood, KS
Clinical Professor of Psychiatry
Co-Director Reiner Center of Behavioural Medicine
Mental Health Care
NYC, NY
Accountant
MZ SERVICES
Accounting
Pasadena, California
Senior Adviser, International Affairs
US DOJ-ATF
Government Administration
Washington, DC
Deputy Principal
Epping Boys High School
Education Management
East Gosford, NSW, DC
Managing Director
Thompson Dunn Ltd.
Management Consulting
Highgate, London, DC
Vice President, Global Quality
Coloplast A/S
Medical Devices
Humlebaek, DC
writer and retired teacher
N/A
Publishing
Jenkintown, PA
Managing Deputy Regional Director of Southern Africa
CARE International
International Affairs
Atlanta,
Global Business Services Partner and U.S. Banking lead
IBM
Financial Services
Dallas, TX
Managing Member
Perkins, Smith & Associates
Hospital & Health Care
Louisville, Kentucky
Chairman of Surgery
Maimonides Medical Center
Medical Practice
Brooklyn, NY
Consultant Gender mainstreaming and Rural empowerment
CODERSA
Renewables & Environment
Guatemala City, NY
SVP and Chief Medical Officer
Nebraska Medicine
Omaha, Nebraska
Partner; Managing Director
Krane Fund Advisors, LLC
Financial Services
Irvine, California
President
GAL Power Systems
Machinery
Toronto, Ontario
President and Chief Learning Officer
Institute for the Prevention of In-Custody Deaths
Professional Training & Coaching
Henderson, NV
Agency Director
Liberty National Life Insurance Company
Insurance
Denver, CO
President
Tomoe Engineering USA, Inc.
Machinery
Liberty, TX
Consulting Engineer
Cosgrove Computer Systems Inc.
Computer Software
Playa del Rey, California
Director
Khansaheb Civil Engineering
Construction
Dubai, California
Founder and CEO
Constantine's Enterprise
Education
Gainesville, VI
Senior Wealth Advisor
Insight Private Advisors
Financial Services
Flemington, NJ
Partner
Cavanaugh, Biggs & Lemon P.A.
Law Practice
Topeka, Kansas
Professor of Chaplain Ministries
Columbia International University
Religious Institutions
Blythewood,
Client Engagement Manager
Amitech Solutions
Information Technology and Services
St. Louis, MO
CEO and Practice Manager
Northeastern Anesthesia
Medical Practice
Kisco, NY
Senior Associate Athletic Director
San Jose State University
Education Management
Aptos,
Security Design Specialist
Austin Water Utility
Utilities
Kyle,
Professor
Lund University
Packaging and Containers
Molnicke,
Chairman
Ima design
Architecture & Planning
Newport Beach, CA
CEO / Founder
easy associates, Inc.
Architecture & Planning
Baltimore, MD
CEO
Azimuth Energy
Oil, Gas, Energy
Houston, TX
Vice President, Quality, Research & Measurement
URAC
1220 L Street, NW, Suite 400, District of Columbia
Writer
Self
Writing and Editing
Montibello, NY
Executive Director of Process Technology
Fluor Corporation
LaPorte, Texas
Professor
Instituto Superior Técnico
Semiconductors
Alcabideleche, Texas
Business Owner / Coach
Quest Swimming, Inc., SwimMetro Management, Inc., SwimMetro Construction, Inc., SwimQuest Ventures,
Midlothian, Virginia
Attending Radiation Oncologist
City of Hope (COH)
Medical Practice
Monrovia, CA
Regional Director
WoodmenLife
Financial Services
Omaha, Nebraska
Senior Partner
Ursel Phillips Fellows Hopkinson LLP
Law Practice
Omaha, Nebraska
Regional Director
AIA Group
Insurance
Singapore, Nebraska
VP of Business Operations
Comfort Star HVAC
Staffing and Recruiting
Singapore, Nebraska
CEO
Krause Investment Advisory Group, LLC
Investment Management
Abington, PA
Professor of Education - Retired; Real Estate Investor
Richland College of the Dallas County Community College District; Self-Emplyed
Higher Education
Sachse,
VP FEderal Business Development/CISO
Healthcare IT
Information Technology and Services
West Munster, MD
Sole Proprietor/Writer/Editor/Contributing Feature Writer
A. Communication Service/Sceneazine Magazine
Writing and Editing
N. Augusta, South Carolina
Senior Vice President / General Manager
Gigantic color
Marketing and Advertising
Dallas, Texas
Principal
Woodley Farra Manion Portfolio Management
Investment Management
Indianapolis, Indiana
Mediator
Stout Mediation Services
Legal Services
Palo Alto, CA
Clinical Solutions Representative
Intuitive Healthcare Solutions
Medical Devices
Ft Worth, TX
Aircraft Production Controller
L-3 COMMUNICATIONS
Military
Plumas Lake, CA
Environmental Specialist
Ministry of Municipality and Urban Planning
Environmental Services
Qatar, CA
Dean, Retired
Bowman Gray School of Medicine, Wake Forest University
Education Management
Duxbury, MA
Entertainer
Broadway Century Productions, LLC
Entertainment
Lauderdale by the Sea, MA
Program/Project Manager
Technology Industry Professional Services LLC
Entertainment
Lexington, SC
CPA and Accounting Instructor
Paulette A. Remillard CPA, MBA
Entertainment
North Adams, MA
Professor of Molecular Neurobiology
King's College London
Accounting
London,
Managing Director, Owner & Founder
SKDUK Asociates Ltd
Defense & Space
Eastrop Highworth,
Commissioner
Advisory Neighborhood Commission
Government Relations
Washington, DC
Corporate Project Director, Large Projects
ABB
Engineering
Sugar Land, TX
CEO
Antenna Magic LLC
Telecommunications
Morgan Hill, CA
Managing Partner
ConnorsO'Dell LLP
Telecommunications
Exton, PA
President
TRACIP
Telecommunications
Messein, PA
Chief Executive Officer
Arkansas Sheriff's Youth Ranches
Non-Profit Organization Management
Statesville, Arkansas
SIM Lab Instructor
TTUHSC
Hospital & Health Care
El Paso, Texas
Principal
Belvedere British School - Abu Dhabi
Education Management
Mussfah Bin Zayed City, Texas
Consultant
Istiklal Hosital
Medical Practice
Jordan, Texas
Group Legal Director and Company Secretary
Taylor Wimpey plc
Consumer Services
Jordan, Texas
Owner
Bruce D. Nagel Architect
Architecture & Planning
East Quogue, NY
Head of Training and Research Modular Service Coordination
National Medical Center "20 de Noviembre", Mexico
Medical Practice
Mexcio City, NY
Managing Partner
ALC
Marketing and Advertising
Grapevine, TX
Owner
Duncan Hartley Fine Art Photography
Photography
Kendall Park, New Jersey
Principal Hydrogeologist - President
Water Resources Associates, Inc.
Mining & Metals
Ventura, CA
Foreign Service Officer
USAID
Government Administration
Washington, DC
President
ESC Pacific, Inc
Accounting
Honolulu, Hawaii
Production Division Director
US GOV
Facilities Services
FPO AE, Hawaii
Partner
Sager Legal Advisors LLP
Law Practice
Vancouver, Hawaii
Managing Director
Hogg Fachübersetzungen
Translation and Localization
Osnabrueck,
Vice President and Chief Integration Officer
Baker Hughes Inc.
Houston,
Attorney
Law Office of Kevin L. Mosley
Law Practice
Little Neck, NY
President
Thermistors Unlimited
Law Practice
St. Mary's, PA
Owner/Consultant
Farm, Forest, and Fiddlehead Consulting
Environmental Services
DeRuyter, NY
Managing Consultant
Meant Projects
Management Consulting
Staffordshire, NY
Adjunct professor
Ana G. Mendez University
Education Management
Mount Airy, MD
Physical Security Project Manager
King County
Security and Investigations
South Eats Everett, WA
Real Estate Broker/Partner
Chin MacQuoid Fleming Harris / Berkshire Hathaway Home Services
Security and Investigations
Park City, UT
President
Caribbean Development Bank
Banking
Wildey, St. Michaels, UT
President
Southeastern Bible College
Education
Birmingham, Alabama
Concert Pianist and Conductor
Kenn Gartner Concerts Inc.
Music
San Rafael, CA
Criminal & Traffic Defense Trial Lawyer
Ticket Law Center, A Criminal Defense Law Firm
Legal Services
Miami, Florida
President
Lake-Sumter State College
Higher Education
Lessburg,
Controller
Mallah Furman & Company PA
Accounting
Miami, FL
General Counsel, Secretary
Telgian Corporation
Legal Services
Mesa, AZ
CIO
Seal Industries
Oil & Energy
Ennis, TX
Regional Vice President
Advisors Capital Management
Financial Services
Fairfield, Connecticut
General Studies Instructor / MA and HIT programs
YTI Career Institute
Higher Education
York Haven, PA
Director of the Faculty of Actuarial Sciences
Anahuac University
Higher Education
Huixquirlucam, PA
Owner
The Ferris Law Firm
Law Practice
Denver, Colorado
Retired Foreign Language Teacher
Fairfield Senior High School
Education
Hamilton, OH
Chairman & CEO
6th Wave Innovations Corp
Plastics
Arnold, MD
General Manager
LSS Professionals
Management
Edificio Río Oeste, Cali,
Assistant Headmaster/Director of Athletics
Piedmont Academy
Education Management
Monticello, GA
Attorney at Law
Law Offices of Gerald T. Richards
Legal Services
Hercules, GA
Marketing Director
Metro S.A.
Retail
Athens,
Company Director
Fetchapet
Translation and Localization
Colchester,
Managing Director CFO
Physik Instrumente (PI) GmbH & Co. KG
Nanotechnology
Karlsruhe,
Chairman & CEO
O'Shaughnessy Asset Management LLC
Financial Services
Stamford, CT
Vice President - Solutions Sales
Wells Fargo & Co. Bank
Banking
Dallas, Texas
Owner, Inventor, Co-creator
Quantum Sound Therapy
Health, Wellness and Fitness
Port Saint Lucie, FL
CEO
Vet Fed Resources, Inc/ Martin Blank Assoc. LLC
Information Technology and Services
Alexandria, VA
President
KHovnanian Southern California
Real Estate
Alexandria, CA
General Counsel
Resolution Portfolio Management & Oversight, LLC
Real Estate
Deerfield Beach, FL
President
Garden Solar LLC
Renewables & Environment
Ashburn, VA
Principal and DIrector of International Operations
Wiss, Janney, Elsner Associates, Inc.
Civil Engineering
Ashburn, VA
Pharmaceutical Partner Executive
Baxter International
Military
Grayslake, IL
Founder
Thai Taco
Leisure, Travel & Tourism
Ventura, CA
Partner
Recomservice HVAC and BAS Maintenance Services
Mechanical or Industrial Engineering
Washington, DC
Pastor
Grace Connection Church and Administrator for the International Association of Grace Ministries IAGM
Religious Institutions
Seminole, FL
Director- Principal
Ami Foundation
Education Management
Kirkkonummi,
General overseer
Global Humanitarian Surround Care and Mobile Telemedicine Initiative
Philanthropy
Rochester, NY
Executive Director
In Step Seniors
Non-Profit
Washington DC, WA
Managing Director
Golden Coast FZE
Retail
Sylvania, OH
Attending Neurologist and Senior Clinical Neurophysiologist
Free Universitty Medical Center (VUmc), Amsterdam, The Netherlands
Medical Practice
Amsterdam,
Chairman and CEO
Taylor Capital Group
Medical Practice
Northbrook, IL
Managing Principal
Palisades Capital Realty Advisors
Real Estate
Pacific Palisades, California
Chair, Fine Arts Department
School of Visual Arts
Fine Art
NYC, NY
CEO
Smoothie King Franchise, Inc
Food & Beverages
Metairie, LA
Consultant
Steven A. Horn Consulting
Management Consulting
Nanaimo, Brtish Colombia,
Internal Auditor
SuKarne
Food Production
Mexico City,
Founder/CEO
Affordable Furniture Mfg. Co.
Furniture
Tupelo,
Managing Partner/Shareholder
Sacks Tierney P.A.
Furniture
Tupelo,
Managing Director
Fulcrum Capital LLC.
Financial Services
Whitehouse,
VP, Application Manager
TD Bank
Banking
Wells,
Executive Vice President, Operations
WD SEMI LLC
Business Supplies and Equipment
Durango, CO
Attorney
Storer & Miner, PLLC
Law Practice
Middletown, Idaho
General Manager
Gaman Consulting
Management Consulting
La Molina, Idaho
General Manager
ACTenviro
Environmental Services
Sunnyvale, California
Director
Juniper Networks
Telecommunications
Denver, CO
cfo
benlee
Renewables & Environment
Romulus, MI
Branch Lead
Intelligent Software Solutions
Renewables & Environment
Colorado Springs, CO
Professor Emeritus (Pharmaceutics)
Creighton University
Pharmaceuticals
Santa Fe, New Mexico
Gynecologic Sonologist
North Shore LIJ Health System
Hospital & Health Care
Great Neck, NY
CDO
Hanson Design
Marketing and Advertising
Philly, PA
Director of Advisory Services
PricewaterhouseCoopers
Information Technology and Services
Philly, PA
CEO
High Tech Innovations, LLC
Information Technology and Services
Milburn, NJ
Executive Vice President
Millennium EMS Solutions Ltd
Environmental Services
Edmonton Alberta, NJ
VP & General Counsel
Project Management Institute
Non-Profit Organization Management
Swarthmore , Pennsylvania
Senior Specialist, Evaluation & Impact
The Global Fund
Health, Wellness and Fitness
Long Island City, New York
Managing Partner
Providica Medical LLC
Medical Devices
Round Rock, Texas
Managing Partner
Providica Medical LLC
Medical Devices
Round Rock, Texas
Founder / CEO
Insights Without Borders LLC
Management Consulting
Katy, Texas
Conductor, Composer, Arranger, Producer, Pianist
Banda Sonora
Music
Cepo, Texas
CEO
IMMERGE
Marketing and Advertising
Greenwood Village, Colorado
Owner
DAO Technologies LLC
Information Technology and Services
Philidephia, PA
Principal
Avison Young
Real Estate
Vancouver, PA
Managing Partner
Diemer, Whitman & Cardosi
Law Practice
San Jose, CA
Senior Advisor
Sykehuspartner HF
Stabekk,
Senior Vice President/Retail Market Executive
First Citizens Bank & Trust Company
Banking
Greenville, NC
Physician
Sacred Heart Hospital, Internal Medicine Residency Program
Medical Practice
Greenville, FL
Psychotherapist, Coach, Intercultural Trainer, Global Management Consultant
2 companies: Mazak Global Management; Innercall: Personal and Transpersonal Development
Management Consulting
Norwalk, California
Director
Mayfield CA Ltd
Architecture & Planning
Chesterfield, California
President & Chief Technologist
White IEQ Consulting
Midland,
Chief Operations Officer
Standard Life plc
Human Resources
Scotland,
Founder and CEO
Arizona Myeloma Network, AzMN
Non-Profit Organization Management
Glendale, AZ
VP Cloud Business Unit
MicroStrategy
Information Technology and Services
Purcellville, VA
Professor
Tecnológico de Monterrey
Research
San Pedro, VA
Lawyer
Findlay Law Offices
Law Practice
Hamilton, Ontario, VA
Writer / Producer / Director / Editor
LoftonFilms
Marketing and Advertising
Laurel, Maryland
FILM AND TELEVISION PROFESSIONAL
77 SUNSET BEACH SERVICES
Entertainment
Port Coquitlam, BC
Medical Director
Capital Primary Care Inc
Hospital & Health Care
Gettysburg, MD
Executive Director
Idaho Lions Sight and Hearing foundation Inc.
Non-Profit Organization Management
Boise,
Founder
Chicago Compass Counseling, LLC
Consulting
Chicago, Illinois
Chief Operating Officer
The Windquest Group
Investment Management
Grand Rapids, MI
Chief Operating Officer
TranSigma
Management Consulting
Shelton, CT
Corporate Compliance and Privacy Officer
Dimensions Healthcare System
Public Policy
Hyattsville, MD
Director
XTid Associates ltd
Architecture & Planning
London,
Chief Executive Officer
Onepath Systems, LLC
Information Technology and Services
Atlanta, GA
President
SUNY Broome Community College
Higher Education
Binghamton, NY
Owner
Mutual Tool & Design Co
Machinery
Highland, MI
Senior Vice President/Partner
Aon
Human Resources
Wickatunk, NJ
President and Medical Director
Advanced TMS & Biobehavioral Centers
Medical Practice
Orange, CT
Executive Vice President
Symbionce LLC
Accounting
Cleavland, Tennessee
President
LIbertas, LLC
Public Relations and Communications
Cincinnati, OH
CMO & SVP Niche Media
Chicago Tribune Media Group
Publishing
Chicago, IL
Chief Information Officer
Stanford Children's Health
Hospital & Health Care
Redwood City, CA
Vice President of Finance
Retail Inkjet Solutions, Inc.
Electrical/Electronic Manufacturing
Santee, CA
Director, Retail Accounting
Ahold USA Retail
Financial Services
Harrisburg, PA
Professor Emeritus
University Hasselt Belgium
Education Management
Hoepertingen, VLI
Executive director
Extend-A-Family Waterloo Region
Non-Profit
Kitchener Ontario, VLI
Executive Director LAC
Lighting
Professional Training & Coaching
Buneas Aires, VLI
Retired Warden
Federal Bureau of Prisons
Government Administration
Franklinton, NC
Shareholder
Meier, Bonner, Muszynski, O'Dell & Harvey, P.A.
Law Practice
Apopka, Florida
CEO
High Tek Computer Solutions S.A,
Technology
Mexico City, DIF
CHRO (Chief Human Resources Officer)
Cinepolis
Entertainment
Cd. Satelite, MEX
CEO
Guerra Family Office
Information Technology and Services
Huixquilucan, MEX
Reader in Restorative Dentistry
University of Bristol
Higher Education
Eidenburgh, MEX
Volunteer
Family Violence Appellate Project
Law Practice
Eidenburgh, MEX
Vice President of Client Partnerships
Beacon Health Options
Financial Services
Danbury, CT
President
To Catch the Light of Peace Let Freedom Ring, Inc.
Fine Art
New York, NY
Managing member
Gymer Images LLC
Photography
Gordon, Nebraska
Engineering Director
Edica Ltda.
Construction
San Jose,
CRIMINAL LAW COUNSELOR
NOVUM Abogados & Consultores
Law Practice
Managua,
President and CEO
Compliance Matters LLC
Financial Services
New York,
Partner / CMO
EY / Ernst & Young
Accounting
New York, New York
Chief Information Officer
Bolder Healthcare Solutions
Information Technology and Services
Alpharetta, Georgia
President
Groupe conseil Stratégis
Consulting
Montreal, Quebec
General Superintendent
Chicago Bridge and Iron
Construction
Dayton, TX
Principal
Inside Source
Furniture
San Leandro, California
Associate Director for Environmental Microbiology (retired)
Centers for Disease Control and Prevention (CDC)
Government Administration
Chamblee, GA
Asst. Director of Pharmacy for Clinical Services
Chambersburg Hospital
Hospital & Health Care
Chambersburg, Pennsylvania
Vice-President, Finance & Controller
Enirgi Group Corporation
Mining & Metals
Ajax, Ontario, Pennsylvania
Vice President
Service Software
Information Technology and Services
Denver,
Chairman
Refoudning a Bold America
Biotechnology
Denver, CA
Group CEO
Al Nahdha Investment Group
Investment Management
Aub Dhabi,
Group CEO
Al Nahdha Investment Group
Financial Services
Kansas City, MO
Group CEO
Al Nahdha Investment Group
Engineering
Half Moon Bay, CA
Senior Litigation Partner at the Firm
Lerners LLP
Law Practice
London Ontario, Ontario
Vice President Human Resources
Park Place Dealerships
Automotive
Dallas, Texas
Managing Director
The Elizabeth Taylor AIDS Foundation
Non-Profit Organization Management
Santa Monica, CA
President and Founder
Tingley Systems, Inc.
Information Technology and Services
San Antonio, FL
Regional Director; Citrus & Hernando Counties
HPH Hospice & Home Care, Inc.
Information Technology and Services
San Antonio, FL
President
Bellwether Design LLC
Design
Tulsa, AZ
Vice President of Marketing and Communications
Maguire Associates
Westford,
Service and Support Country Manager
Agilent Technologies Brasil Ltda
Electrical/Electronic Manufacturing
Saul Paulo,
GP Dentist
Ambulatory Healthcare Services- UAE
Health, Wellness and Fitness
Abu Dhabi,
Partner
Ropes & Gray LLP
Law Practice
Boston, Massachusetts
President
The Blasket Group
Management Consulting
Chadds Ford, PA
Chief Financial Officer
radius financial group inc.
Real Estate
Boston, MA
EVP, Chief Credit Officer
Bluestem Group Inc.
Real Estate
Chaska, MN
Operations Development Director EMEA
Bacardi
Wine and Spirits
Cruzmanca, MN
Of Counsel
Lombino Martino Law Firm
Law Practice
Tacoma,
Senior Vice President
The Camden Group
Hospital & Health Care
Pasadena, CA
CEO
Total Choice Tech Solutions
Information Technology and Services
Houston, Texas
Chair, Information Technology and Cybersecurity
Marymount University
Education Management
Arlington,
Reasearch Associate
University of Maryland
Research
College Park, Maryland
Founder/President
K-24 Continuum Academic Partners, LLC
Education Management
Port St. Lucie, Florida
General Counsel
Avasant, LLC
Education Management
Los Angeles, CA
Vice President, Workforce Analytics
Credit Suisse
Financial Services
New York, NY
General Counsel
Westlands Water District
Government Administration
Carmichael, CA
Owner President
Redwings SA de CV
Aviation & Aerospace
Arcola, TX
Print Media Director
KZSW Advertising
Marketing and Advertising
Flushing, New York
Founder and President
Robowatch, LLC
Think Tanks
Joliet, IL
President
Templeton & Company, LLP
Accounting
West Palm Beach, FL
Owner/Principle
McGrath Media Productions
Accounting
San Antonio, TX
Attorney
Touby, Chait & Sicking, PL
Legal Services
Cloral Gables, FL
Attorney
Anderson Law Firm
Legal Services
St. Charles, MO
Executive Director
EDCTP
Research
The Hague,
Managing Partner
PPO Standards LLC.
Consulting
Plymouth, Minnesota
Founder and CEO
KaliTlacica
Management Consulting
Temp, AZ