1. California Polytechnic State University, 1 Grand Ave., San Luis Obispo, CA93407
2. Laurie Johnson Consulting | Research, 2550 Gough St., # 6, San Francisco, CA 94123-5014
3. Head of Catastrophe Risk Research - EMEA, Guy Carpenter & Company, LLC, 200 Clarendon St. Floor 11, Boston, MA 02116