I am in my fifth decade of a unique professional journey. The paths have included executive, trading, accounting, technological, entrepreneurial, transactional, and operational experience in banking, finance, NGOs and real estate. I have held executive officer positions for 2 public companies, founded 4 social investment funds, closed on over $750mm in real estate transactions & assisted in the formation of over 300 entities. Now Semi-retired, I focus on tangible social returns through employee ownership, and affordable/cooperative housing.While our focus now is small and midsized enterprises, Circinus' clients have included 12 "top 20" banks, as well as int’l bankers, traders, software developers, private investors, NPOs, and govt agencies. Our consultancy has extensive experience in residential and commercial real estate finance, business valuation, m/a purchase transaction execution, design-application of business process technology, consumer debt trading,and energy/ tax credit projects. Our work is international- including 15+ years advising the Mexican government on its evolution of tradable mortgage products, and many years of support to govts & UN related microfinance groups in SE Asia. We have experience with systems, law, products and policy in the US, as well as Canada, the UK, Australia, Mexico, many Asian countries, and with Sharia compliant (Islamic) Lending.In 2009, I founded the New England Resident Owned Communities programme @ the Cooperative Development Institute, New England-wide, 501c3 co-op developer. CDI is part of the ROC USA {ROCUSA.ORG} network, supporting co-operative resident ownership of manufactured home communities throughout New England. That program supports 6000 homes in 60 communities in 6 states,with $310+mm cumulative project investment.We have assisted 75+ housing coops & 50+ employee coops in their formation, and many dozens in their continuance.Our AracNid series partnerships invest in clean energy thru nature-sol,wind,water,gravity, while Seven Housing funds smart urban redev.Past Trustee Treasurer, President and Secretary of the Cooperative Fund of the Northeast (501c3/CDFI){see coopfund.coop} and was a founder of its sister fund, the Cooperative Capital Fund, the first equity capital fund specifically for co-ops.My words and works have been featured on National Public Radio, The New York Times, the Atlantic Monthly, the LA times, The Boston Globe, National Mortgage News, WCVB Boston KOMO Seattle and others. In short...attempting to built Jerusalem in New England's green & pleasant land.