then served as manager of strategic planning and research before moving to equifax in the development. he worked extensively on the flight of introduction of the first credit scoring models as a wealth of knowledge in this area. the current roll with nexis and lexis he continues to support insurance risk scoring models and manages the team of statisticians and modelers and he holds a b.a. in marketing and brand university down in georgia and m.b.a. from mercer university and other great institution in georgia. we want to welcome mr. wilson. you are welcome here. >> we are going to start with the gentleman from illinois,. you have five minutes. when you see it turning yellow you have one benet. one minute last quite a while. when it is read five seconds later we hope he will wrap up. you are recognized for five minutes. >> thank you may to become mr. gutierez the director of insurance of illinois and serve as chairman of the property and casualty committee for the national association of insurance commissioners. today i offer the views of my fellow regulators on behalf. thank you for y

then served as manager of strategic planning and research before moving to equifax in the development worked extensively on the flight of introduction of the first credit scoring models as a wealth of knowledge in this area. the current roll with nexis and lexis he continues to support insurance risk scoring models and manages the team of statisticians and modelers and he holds a b.a. in marketing and brand university down in georgia and m.b.a. from mercer university and other great institution in georgia. we want to welcome mr. wilson. you are welcome here. >> we are going to start with the gentleman from illinois,. you have five minutes. when you see it turning yellow you hve one benet. one minute last quite a while. when it is read five seconds later we hope he will wrap up. you are recognized for five minutes. >> thank you may to become mr. gutierez the director of insurance of illinois and serve as chairman of the property and casualty committee for the national association of insurance commissioners. today i offer the views of my fellow regulators on behalf. thank you for your i

then served as manager of strategic planning and research before moving to equifax in the development. he worked extensively on the flight of introduction of the first credit scoring models as a wealth of knowledge in this area. the current roll with nexis and lexis he continues to support insurance risk scoring models and manages the team of statisticians and modelers and he holds a b.a. in marketing and brand university down in georgia and m.b.a. from mercer university and other great institution in georgia. we want to welcome mr. wilson. you are welcome here. >> we are going to start with the gentleman from illinois,. you have five minutes. when you see it turning yellow you have one benet. one minute last quite a while. when it is read five seconds later we hope he will wrap up. you are recognized for five minutes. >> thank you may to become mr. gutierez the director of insurance of illinois and serve as chairman of the property and casualty committee for the national association of insurance commissioners. today i offer the views of my fellow regulators on behalf. thank you for y