J. David Cummins-Harry J. Loman Professor of Insurance and Risk ManagementWharton School, University of Pennsylvania, July 1983 - presentExecutive Director, S. S. Huebner Foundation for Insurance EducationJuly 1988 - presentConsultant, Federal Reserve Bank of New York, September 2000-August 2001.Visiting Scholar, Federal Reserve Bank of New York, 2002-2003.Metzler Chair, University of Frankfurt, Germany, summer 2000.Associate Editor, Journal of Risk and Insurance, 1998-present.Fellow, Wharton Financial Institutions Center, 1996-present.Editor, Huebner International Series on Risk, Insurance and Economic Security(series of scholarly books published by Kluwer Academic Publishers) etc.Bertrand Venard- 2003 to 2005Visiting Research Fellow, Wharton Business School, USA (see below for details).2002 - nowProfessor of Management, AUDENCIA, Nantes School of Management, France. This school is amongst the top five in France.2000 - 2001Visiting Professor, London Business School, UK.1996 - 2002Professor of Management, ESSCA, France. ESSCA is recognised at the highest level by the «Conférence des Grandes Ecoles» in France.