Ben Cerruti is a senior citizen who carries with him a lifetime of experience in business and finance. His background has included periods with his own manufacturer's representative business, as well as, with the securities business as a registered representative and in the real estate business as a licensed broker. His education comprises gaining a BSEE degree at U.C. Berkeley, postgraduate study in business, economics, marketing and other studies including factors affecting financial and securities markets and real estate values. He has had extensive correspondence with Milton Friedman, renowned economist and Nobel Laureate providing him with intimate knowledge of the functions of the Federal Reserve System.