Bob Ingco is the President of AMI Risk Consultants, Inc. (http://www.amirisk.com), which performs work for insurance companies, state insurance departments, government entities, and other self-insurance and captive entities. Bob has over forty-six years of actuarial and risk management experience, with expertise in reserve valuation, pricing, product design and development for insurance companies. He has also performed management reviews, reinsurance reviews, reserve analysis and certification, financial projections, dynamic financial analysis, among others. Bob has a degree in Mathematics and Physics from the US Naval Academy and also enrolled briefly in the Philippine Military Academy. He is a qualified Actuary with fellowship from the Actuarial Society of the Philippines, the Casualty Actuarial Society, and the Actuarial Society of Hong Kong.