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Mr. Herrick is a nationally known economic consultant who has worked with institutional money managers, including Jefferies & Co., Inc., where he was a director until early 2004. In 1978 when at Bank of America, he wrote a significant textbook titled Bank Analyst's Handbook and later an investment guide titled Timing: How to Profitably Manage Money at Different Stages of Your Life. Mr. Herrick is a founding director of the Bank. | 