Mr. Mehus (Bill) graduated from St. Cloud State University with Finance and Risk Management degrees. After interning at Marsh & McLennan in 1979, he went directly into the reinsurance field with a regional brokerage firm in Minneapolis, W. J. Lehrke Co. There as a reinsurance broker, he began a longstanding (yet today) relationship with Lloyd's of London. Being tribunalized, he remains a Lloyd's coverholder and acts as a Lloyd's correspondent.At W.J. Lehrke, Mr. Mehus began programming insurance company financial analyses. Mr. Mehus has always had an interest in technology. Mr. Mehus is well versed in risk tolerance, transfer, and assumption.In 1985, Mr. Mehus spent over two years researching the health insurance industry, having worked at an HMO and Third Party Administrator (TPA), focusing on self-insured options for employers.In 1988, Mr. Mehus founded CieloStar, and its predecessor, OutsourceOne, where he remains Executive Chairman. Mr. Mehus business interests were focused around technology and reducing inefficiencies. He continued this interest into the health insurance industry, by programming possibly the first ever consolidated billing engine for employer's benefit plans. This engine is one of the backbones of CieloStar, while it has gone through numerous transformations/improvements by the development team at CieloStar.Mr. Mehus has been a leader in the industry, having presented at various industry conferences. He has spoken loudly regarding the inefficiencies in the health insurance industry, and has developed business process outsourcing methods to improve efficiencies.Mr. Mehus led CieloStar from a distributor of self-funded plans, to a medical claims TPA, to a benefit administrator (all services, COBRA, FSA, billing, call center, enrollment, EDI, etc.), to BPO, to a leader in Consumerism and Private Exchanges. Today, CieloStar, with its' BenefitReadyX technology, quotes and underwrites small group level funded plans, backed up by the benefit administration platform, BenefitReady. In addition, with the increased interest in direct to provider contracts, CieloStar has the experience, expertise, technology and reinsurance background to be the infrastructure for provider/health system medical plans.In addition, we are pursuing the PEO space for distribution and additional services for our customers. We believe the combination of small group level funded business, supported by provider direct contracts, and housed in the PEO space is a Win Win....Win.