I have recently retired from a career in insurance, most recently as Chief Underwriting Officer of Banyan Excess Liability Ltd., in Bermuda. My wife Ruth and I, while both originally from the UK, have American citizenship so we have retired to Arizona (you can probably guess what I plan to spend a fair bit of my retirement playing as well as making time for travel). Now I am back in America, I look forward to catching up with OC's in America again I met while attending the various USA branch dinners when we were living in California.