Gerald Krefetz has participated in and closely observed the financial world for more than twenty-five years. He has written more than twelve books on business and financial subjects and prepared reports and studies for private clients. Mr. Krefetz’s experience spans a wide range of economic matters, portfolio management, foreign investments, venture capital situations, income distribution, entrepreneurialism and public affairs. A principal of Krefetz Management and Research, he runs a private money management service for individuals in Manhattan, U.S.A.