Related by context. All words. (Click for frequent words.) 61 Larry Glasscock 61 CEO Bob Greczyn 61 Sherry Cladouhos 58 Bob Greczyn 57 Cladouhos 57 Daniel Loepp 56 Blue Cross 56 Cleve Killingsworth 55 Bruce Bodaken 55 Lizabeth Zlatkus 55 Colleen Reitan 55 Mr. Duperreault 55 Ed Hanway 54 CEO Cleve Killingsworth 54 Pinkes 54 Ramani Ayer 53 NBGH 53 Scott Serota 53 Chief Executive Ramani Ayer 53 PEBB 52 Robert H. Benmosche 52 ProMutual Group 52 Heath Schiesser 52 BCBSMA 52 Fred DiBona 52 BCBSND 51 Beneducci 51 Blue Shield PPO 51 Steven Bensinger 51 William Van Faasen 51 I. Lipp 51 Aetna 51 Edward Hanway 51 ConnectiCare 51 Wintrob 51 H. Edward Hanway 51 Diane Koken 51 Katen Bahensky 51 Genader 51 Barbakow 51 ISMIE 51 Agostino Galvagni 50 CEO Bruce Bodaken 50 Watjen 50 Grundhofer 50 Ben Leedle Jr. 50 Michael McCallister Humana 50 Pam Kehaly 50 Greczyn 50 ProMutual 50 Salluzzo 50 Bruce Yarwood 50 CoverColorado 50 BCBSRI 50 Gail Boudreaux 50 CareCentrix 50 NYSHIP 50 Copays 50 Fred Laberge 50 Stefan Lippe 50 insurer UnitedHealthcare 50 EUTF 50 Howard Phanstiel 50 Laszewski 50 Elaine Ullian 50 PEBTF 50 Empire BlueCross 50 Stephen Hemsley 50 A. Kandarian 49 Dr. Steven Safyer 49 SynCare 49 Barrett Toan 49 CIGNA Healthcare 49 accounts HSAs 49 Blue Shield 49 Boorady 49 David Cordani 49 Chief Executive Angela Braly 49 Bart De Smet 49 Jacques Aigrain Swiss Re 49 Jay McQuaide 49 Dan Loepp 49 HPHC 49 Karen Ignagni AHIP 49 Gedwed 49 Flachbart 49 Kurt J. Hilzinger 49 Thom Faria 49 FinCor Holdings 49 Dirigo Choice 49 DeRaleau 49 Lonny Reisman MD 49 Pentegra Retirement Services 49 UPHS 49 Nick Prettejohn 48 H. Benmosche AIG 48 Unhjem 48 Mr. Mathas 48 UnitedHealthcare 48 Jeffrey C. Barbakow 48 Regence BlueCross 48 Leslie Margolin 48 Angoff 48 Jay Gellert 48 A. Rittenmeyer 48 Ken Melani 48 Merkel Liberatore 48 Mark Stinneford 48 Stoolman 48 Chief Executive Robert Benmosche 48 Woys 48 MIIA 48 Joel Gemunder 48 insurer Cigna 48 FCHP 48 WellPoint NextRx 48 Carlson AMERIGROUP 48 NEBCO 48 HealthFund 48 Peter Kuhnmuench 48 UnitedHealth 48 C. Glasscock 48 J. Zore 48 Gilsbar 48 AdultBasic 48 Fremont Rideout 48 Meritain Health 48 Anthony Welters 48 BCNEPA 48 I. Steven Udvarhelyi 48 DeCare Dental 48 Ignani 48 Tony Nicely 48 stated Bruce Yarwood 48 Jason Gorevic 48 DeVeydt 48 Kristian Moor 48 AmWINS Group 48 Clerihue 48 Jeffrey Barbakow 48 Ingenix Consulting 48 Pollock Assurant 48 Jay Wintrob 48 Val Gooding 48 Van Runkle 48 Horizon BCBSNJ 48 WEA Trust 48 Meritain 48 OptumHealth Behavioral Solutions 48 AAHP HIAA 48 WVHCS 48 M. Cordani 48 Dr. Tuckson 48 Womer Benjamin 48 Anthem WellPoint 47 VLCT 47 Cowden Associates 47 Marketform 47 Lamnin 47 HealthAssurance 47 Gemunder 47 Robert C. Flexon 47 Cigna 47 Troyen A. Brennan 47 RegenceRx 47 Phanstiel 47 Marc Meiches 47 Ronald Dollens 47 Joffe Halpern 47 WellPoint 47 Harvard Pilgrim 47 CareCore National 47 BISYS Retirement Services 47 GNW Evergreen 47 S. DeVeydt 47 Wellmark 47 Spectera 47 Bodaken 47 Jonathan Metsch 47 T. Bertolini 47 Wellpoint Anthem 47 Trevor Fetter Tenet 47 Inviva 47 Kenneth Melani 47 MRMIB 47 AIG Benmosche 47 Schlifske 47 PEBP 47 GHI HMO 47 Koetters 47 Dr. Marylou Buyse 47 Tim Hargarten 47 Albert Benchimol 47 Brian Duperreault 47 BCBSA 47 M. Diane Koken 47 Dianne Kiehl 47 nonequity incentive 47 Grescovich 47 Win Neuger 47 A. Edwardson CDW 47 Kayla Gillan 47 USAble Life 47 Mike McGavick Safeco 47 Annmarie Hagan 47 UnitedHealth Group 47 Dave Engert 47 HealthChoice 47 Zlatkus 47 Bovender 47 WAEPA 47 Medicare Advantage PPO 46 postemployment 46 Pressler Gap 46 Umbdenstock 46 Gallanis 46 Corporate Synergies 46 Carefirst 46 Dr. Denis Cortese 46 DesPrez 46 PacAdvantage 46 Joseph M. Zubretsky 46 PIFC 46 Crozer Keystone 46 Igal Mayer 46 H. Benmosche 46 Highmark Blue Shield 46 Ann Womer Benjamin 46 BISHCA 46 Neal Moszkowski 46 Definity Health 46 SEI Institutional 46 unacceptably breached 46 Health Reimbursement Account 46 L. McWaters 46 INDIANAPOLIS WellPoint 46 Benmosche 46 SVCMC 46 Jan Leschly 46 Sy Sternberg 46 GENEX 46 Forethought Financial 46 Chuck Noski 46 copayments deductibles 46 Jon A. Boscia 46 Mary Brainerd HealthPartners 46 CEO Jeffrey Kindler 46 OneBeacon Professional Partners 46 Raveché 46 OHIC 46 Medicaid HMO 46 Ed Zore 46 Thomas R. Watjen 46 Pantozzi 46 Galichia 46 Lew Borman 46 J. Schnieders 46 AHCA NCAL 46 Dana Bilyeu 46 NACHC 46 Scott P. Serota 46 CIGNA 46 HSA compatible 46 Caz Matthews 46 Irene Esteves 46 Chuck Kavitsky 46 Cigna HealthCare 46 FirstComp 46 BCBSMT 46 Christopher Kip Condron 46 Eileen Auen 46 CareGain 46 SustiNet 46 PLADs 46 AHPs 46 Kosecoff 46 Mark Mactas 46 Andrew Agwunobi 46 BCBSM 46 CDPHP 46 Kavitsky 46 Froesel 46 MCare 46 Fiaschetti 46 Craig Shumard 46 Saturnino Fanlo 46 Ditre 46 Lanty Smith 46 Terry Lisotta 46 BCBSD 46 Charles Bacchi 46 DeCare 46 PEEHIP 45 Deloras Jones 45 SBLI USA 45 Lofberg 45 CaliforniaChoice 45 Uni Ter 45 MEMIC 45 spokesman Walt Cherniak 45 Sebasky 45 Jan Hommen 45 Liam McGee 45 Trevor Fetter 45 HumanaOne 45 Reed Tuckson 45 Capital BlueCross 45 D. O'Halleran 45 Legal Aid Practitioners 45 Aetna Inc AET.N 45 Blue Shield BCBS 45 W. Alesio 45 Muney 45 MDdatacor 45 Per Lofberg 45 EyeMed 45 CeltiCare 45 MagnaCare 45 Alan Lotvin 45 Amy Whitcomb Slemmer 45 Lockton Cos. 45 Robert Henrikson 45 SeaBright 45 Steven Kandarian 45 Strangfeld 45 Crystal Hayling 45 Curt Culver 45 FinCor 45 Peek CIT 45 Sitrick Brincko Group 45 Robert Henrikson MetLife 45 SelectCare 45 Annotti 45 MDwise 45 Multiemployer 45 Leslie Seidman 45 Albert Prillaman 45 Matzick 45 ULLICO 45 Steve Van Ribbink 45 TMLT 45 Assurant Health 45 NCMIC 45 Rob Schweers 45 Bobins 45 Rod McGeary 45 Amerisource 45 N Rangachary 45 Lumenos 45 Dr. Reed Tuckson 45 Jesse Slome 45 Henry McKinnell 45 Ruebenson 45 XL Reinsurance 45 Jerry Ripperger 45 deductibles copays 45 FutureScripts 45 Dirigo Health 45 Medigap policies 45 Jay Sidhu 45 QualCare 45 MedAmerica 45 Buchmueller 45 Lambrew 45 Julianne Bowler 45 Kamerick 45 MCare fund 45 Ameritas Group 45 D2Hawkeye 45 INSPIRIS 45 Andy Haste 45 BCBS 45 HealthMarkets 45 AccessTN 45 Sandy Praeger 45 Autorino 45 actuarially justified 45 CaseNET 45 spokeswoman Helen Stojic 45 Fred Lax Tekelec 45 Jason Helgerson 45 Phil Lebherz 45 A. Chaifetz 45 LRGHealthcare 45 PHCS Network 45 copayments coinsurance 45 Peter Pestillo 45 BCBSF 45 PacificComp 45 MPSERS 45 Ed Harbach 45 Benoski 45 Patient Centered Primary Care 45 premiums 45 Patrick Thiele 45 BrickStreet 45 AEIX 45 Irvine Hockaday 45 & Healthsystem Association 45 myMatrixx 45 WR Berkley 45 Healthstat 45 MedSolutions 45 spokeswoman Rosanne Placey 45 DeMane 45 P. Nandagopal 45 CBIZ Benefits 45 W. Redmer 44 Karen Ignani 44 Crozer Keystone Health 44 Policyholder 44 policyowner 44 CompPartners 44 Enrico Dallavecchia 44 Joseph Zubretsky 44 Jon Boscia 44 Brad Fluegel WellPoint 44 Blue Shield HMO 44 PIACT 44 ikaSystems 44 SelectHealth 44 HumanaDental 44 MAHP 44 CCRx 44 AstraZeneca HealthCare 44 Loepp 44 Hightman 44 Vanbreda 44 Charlene Frizzera 44 Thomas Renyi 44 Excellus 44 Rosanne Placey spokeswoman 44 uninsured Coloradans 44 nongroup 44 Cigna Healthcare 44 CIGNA Dental 44 William Novelli 44 Robyn Credico 44 Tom Watjen 44 Byron Udell founder 44 Larry Zimpleman 44 spokeswoman Kristin Binns 44 Lewent 44 Priya Mathur 44 Amos Aflac 44 Jeffery B. Kindler 44 Andrew Hetzel 44 A. Daiber 44 Arbella Insurance Group 44 Pruitt McClatchy 44 Provena Health 44 AIK Comp 44 Craig Lemasters 44 Access MediQuip 44 Sinaiko Healthcare Consulting 44 DirigoChoice 44 Wellpoint 44 Rich Umbdenstock 44 explains Jesse Slome 44 BCBSNC 44 Long Term Disability 44 Carol Ann Petren 44 Mark Fendrick 44 Allmerica 44 Krajnovich 44 UCare 44 Donald Guloien 44 Zirkelbach 44 Highmark 44 Raymond McFeetors 44 Roger Deromedi 44 HARTFORD Aetna 44 Cyrus Freidheim Jr. 44 Health insurer Cigna 44 Michael B. McCallister 44 Massachusetts Interlocal Insurance 44 HealthEquity 44 Zigerelli 44 Mark Fetting 44 CEO Robert Benmosche 44 Nolop 44 Salud Para La Gente 44 MDAdvantage 44 Tom Gerke Embarq 44 Dick Kovacevich 44 Troyen Brennan MD 44 Chief Executive Jan Hommen 44 NYSIF 44 UCare Minnesota 44 Molasky Arman 44 CareOregon 44 PPOM 44 Jonathan Treacher 44 William Nuti 44 AmeriChoice UnitedHealth Group 44 Rohack 44 Medicare Advantage premiums 44 Middlesex Retirement System 44 Siesko Partners 44 predecessor Didier Lombard 44 UnitedHealthcare UnitedHealth Group 44 CompManagement 44 Raj Toleti 44 R. Melani 44 Roscitt 44 Excellus BlueCross BlueShield 44 Groupworks 44 Gibford 44 Acordia 44 HealthHelp 44 Medigap 44 Srednicki 44 Raymond J. Milchovich 44 Eugene McQuade 44 PayFlex 44 Wymyslo 44 Antoine Bernheim 44 Robert Genader 44 KePRO 44 MAMSI 44 MHPA 44 Edward Liddy AIG 44 Molendorp 44 medically indigent 44 John Rother AARP 44 Deusser 44 Kuhnmuench 44 WageWorks 44 David Komansky 44 PBGH 44 J. Bramanti 44 HVHC Inc. 44 nonqualified retirement 44 SeniorBridge 44 Thomas Watjen 44 Jacques Aigrain 44 Wysenski 44 Caroline Muhlenkamp 44 CEO Mark Mactas 44 ICHIP 44 Phyhealth 44 Dennis D. Dammerman 44 PLICO 44 KHPA 44 Wayman HP 44 Pete Kuhnmuench executive 44 SantaFe HealthCare 44 James Gelly 44 CSHI 44 Gary Dunton 44 Todd Ebert Amerinet 44 AVMA GHLIT 44 Andy Slavitt 44 Mike Unhjem 44 Prematics 44 Risk Retention Groups 44 PEHP 43 NMI Retirement Fund 43 PersonalCare 43 Edmund Tse 43 Excellus BCBS 43 capitated 43 Acclamation Systems 43 subsidized COBRA 43 Superintendent Alessandro Iuppa 43 J. Hemsley 43 Patricia Gerrick 43 Lois Quam 43 expert Graef Crystal 43 Accordia Global 43 First Horizon Msaver 43 Subimo 43 insurer 43 Angela Braly 43 AdvanceMed 43 CareSource 43 unfunded retiree 43 Ravello Solutions 43 Navitus 43 Assurant 43 Kevin Sharer Amgen 43 LeRoy Nosbaum 43 Larry Gauper 43 Conaty GE 43 Mcare abatement 43 Liz Zlatkus 43 Fred Buenrostro 43 Hylant 43 Regence BlueCross BlueShield 43 Raymond V. Gilmartin 43 Ted Rayment 43 Hilda Sarkisyan 43 Robert Benmosche 43 Sejen 43 Lora Pellegrini 43 Carly Glick 43 Walt Cherniak 43 uninsureds 43 BidRx ® 43 ProHealth Physicians 43 Wineholt 43 Ron Sapsford 43 MullinTBG 43 Todd Farha 43 Bill Novelli 43 Trzeszkowski 43 FEHBP enrollees 43 Larry D. Zimpleman 43 Fyntrilakis 43 CEO Steven Reinemund 43 Mo HealthNet 43 Ms. Ignagni 43 Stumpf Wells Fargo 43 Setzfand 43 Mcare 43 Kyle Rolfing 43 Policyholder benefits 43 Anne Stausboll 43 self insured retentions 43 Clive Bannister 43 workers' compensation 43 BCBSIL 43 Ronald W. Dollens 43 nonparticipating providers 43 Ken Hydon 43 Bruno Pfister 43 Jon Kingsdale 43 USI Affinity 43 Melbinger 43 ActiveHealth 43 Dr. Rhonda Medows 43 PacificSource 43 HealthPlus 43 nonrepresented employees 43 Securian Retirement 43 CollegeBoundfund 43 Delta Dental 43 Carmela Castellano Garcia 43 insurance 43 Karl Krapek 43 Joan McCallen 43 AALTCI 43 AAPPO 43 Jacqueline Kosecoff 43 UNH.N 43 Cal PERS 43 Anne Stausboll CalPERS 43 FX McCahill 43 Duperreault 43 nonbargaining employees 43 Thomas F. Motamed 43 Herman Verwilst 43 Commissioner Diane Koken 43 Conventus 43 Winfried Bischoff 43 Paula Bussard 43 Amisys Synertech Inc. 43 Jerry A. Grundhofer 43 Guloien 43 RESTAT 43 Wolfgang Berndt 43 nonbargaining 43 Ecu Health 43 F. Strigl 43 BrickStreet Insurance 43 healthinsurance 43 CoverTN 43 Grinnell Mutual 43 CVS Caremark 43 HealthPartners www.healthpartners.com family 43 Zenni 43 MassHealth 43 FinCor Solutions 43 Gerhard Joubert 43 Muerth 43 Unicare 43 Peggy Hinz 43 Ramani Ayer chairman 43 ViaHealth 43 Stausboll 43 DNoA 43 CIRMA 43 Bob Stuchbery 43 Optum 43 Alfred Camner 43 Ullico Casualty 43 Vikram Pandit Citi 43 Ramani Ayer Hartford 43 Ted T. Cecala 43 Bruce Kuhlik 43 unfunded accrued 43 MetLife 43 Konasiewicz 43 John Strangfeld 43 HDHPs 43 CareHere 43 Tom Gerke EMBARQ 43 Juergen Dormann 43 Kristin Binns 43 MAIF 43 Bruce Roberts RPh 43 Choicelinx 43 reimbursement arrangements HRAs 43 VIST Insurance 43 OrthoSynetics TM 43 Lumetra 43 T. Santulli 43 policyholders 43 AHQA 43 MedCost 43 Benefit Informatics 43 Kerry Killinger WaMu 43 WTC Captive 43 UHCCF 43 Nackel 43 Mary Sammons 43 A. Mizel MDC 43 Pramod Bhasin Genpact 43 Phillip Humann 43 insurers 43 Healthfirst 43 Mondics 43 Shannon Troughton 43 Cummins Cyberonics 43 PGBC takes 43 Steven Ainsley 43 Sjoblad 43 Trigon Healthcare 43 Gary Dunton MBIA 43 Chief Executive Jacques Aigrain 43 AvMed Health 43 Ambassador Moley 43 Bernd Pischetsrieder VW 43 MO HealthNet 43 Douglas Leatherdale 43 Irene Cumming 43 Vascular Intervention Guidant 43 CarePayment 43 PERAC 43 Vanasek 43 Dominic D' Alessandro 43 Dunmoyer 43 BrickStreet Mutual Insurance 43 Erdoes 43 LifeMasters 43 John G. Drosdick 43 Jay B. Shipowitz 43 CoreSource 43 Sandra Shewry 43 Michael Neidorff 43 Findley Davies 43 D. Novelli 43 Eric Yeaman 43 Gelbwaks 43 Ed Whitacre Jr. 43 Medicare recipients 43 BenefitMall 43 Pinnacol 42 Hanway 42 actuarial soundness 42 Marilyn Tavenner 42 Iuppa 42 CareFirst 42 Marian Mulkey 42 Miles Beacom 42 Chamberlin Edmonds 42 WellPoint Anthem 42 Nannis 42 Dacier 42 Schinzler 42 NAPH 42 Frederick H. Eppinger 42 Drapp 42 Ed Haldeman 42 Scandlen 42 PreferredOne 42 BCBSM Foundation 42 UnitedHealthCare 42 AmeriHealth Mercy 42 Reliastar 42 Assurant Employee Benefits 42 Vibra Healthcare 42 Pestillo 42 Krapek 42 Michael McRaith 42 Salvatore Iannuzzi 42 Ohrin 42 Tom Motamed 42 Dirk Lohmann 42 Semprevivo 42 Philam Life 42 Premera 42 Don Civgin 42 CorSolutions 42 Allina Hospitals & 42 CareGuide 42 HealthInsight 42 MEEMIC Insurance Company 42 coinsurance 42 FBL Financial 42 Nicole Lamoureux 42 Alessandro Iuppa 42 Medicare Advantage PFFS 42 Gen Re LifeHealth 42 Envision Pharmaceutical 42 Acumentra Health 42 Viverae 42 Frank N. Darras 42 insurance premiums 42 Dammerman 42 Bon Secours Charity 42 HCRA 42 Univera Healthcare 42 CLHIA 42 Secure Horizons 42 Rajesh Sud 42 Rene Lerer MD 42 Treasurer Nappier 42 ARAG ® 42 Radian Guaranty 42 Hempling 42 Zuzik 42 Jerry Grundhofer 42 BCGH 42 Dieter Scheiff 42 Inc AET AET 42 Towers Perrin 42 Jim Prieur 42 David Deverall 42 Alfred Castino 42 T. Mezger 42 Eileen Mallow 42 Linsz 42 CareFirst BlueCross BlueShield 42 Cameron Truesdell 42 Kipp Lassetter MD 42 Aetna HealthFund 42 W. Stecher 42 Quazzo 42 IndyMac depositors 42 Batten Sr. 42 se2 42 Atrius 42 Regence Blue Shield 42 Wraase 42 Fidelity Employer 42 PruProtect 42 ICMA RC 42 Cary Rayment Alcon 42 CompBenefits 42 ValueOptions ® 42 Cuna Mutual 42 Farient Advisors 42 GE Antares Capital 42 Medi CareFirst 42 Jim Wachtman 42 High Deductible 42 Gary Bhojwani 42 Hiscox Bermuda 42 F. Reda 42 MedVentive 42 HNFS 42 spokesman Lew Borman 42 Marc Oken 42 Carewise Health 42 Chairman Lanty Smith 42 uninsured 42 premiums copays 42 Helen Stojic 42 Fronstin 42 CIGNA HealthCare 42 Rob Feckner CalPERS 42 Robert J. Genader 42 Gary Drook 42 Tilmant 42 Aigrain 42 AultCare 42 Shedlarz 42 UNICARE 42 Laborers Pension Fund 42 C. Notebaert Qwest 42 ArlenGroup 42 Mcare Fund 42 Giovanni Perissinotto 42 VBID 42 Stephen Squeri 42 Cindy Ehnes director 42 GV Nageswara Rao 42 Claude Dussault 42 CarePlus 42 Pevenstein 42 Noski 42 Vaisnys 42 Amschwand 42 SDCERS 42 IRMH 42 Cordani 42 OHCA 42 Mohit Ghose 42 Rijkman Groenink ABN Amro 42 Trucker YRC Worldwide 42 insurer Cigna Corp. 42 IowaCare 42 Irvine O. Hockaday 42 SummaCare 42 AIG Excess Casualty 42 LTCi 42 XLHealth 42 Cairnstone 42 AmeriHealth 42 FAMC 42 Woolhandler 42 Liane Pelletier 42 CAMICO 42 BHCG 42 Molly Sandvig 42 Greehey 42 B. LaMontagne Paradigm 42 Sagicor Life 42 repealers already 42 K. Scaturro 42 MassHealth Basic 42 Sir Sandy Crombie 42 Medicare enrollees 42 Alex Wynaendts 42 NHRS 42 Redevelopment Authority RDA 42 OPEB liability 42 ConnPACE 42 JHSMH 42 Codan Trygg Hansa 42 Pozycki 42 Fortegra Financial 42 My InnerView 42 Insure Montana 42 YourEncore 42 HealthPass 42 DTRIC 42 policyholder 42 OCERS 42 HealthEast 42 Caramadre 42 Thain Merrill 42 F. Braly 42 Ingenix database 42 Jansen Kraemer 42 IHPM 42 Badgercare 42 MedEncentive 42 Nancy Schlichting 42 Insure Oklahoma 42 Jonathan Bloomer 42 Sedgwick CMS 42 Joel Owerbach 42 Assurity Life 42 McAlmond 42 Eddie L. Dunklebarger 42 J. Castellani 42 Marvin I. Schotland 42 Neidorff 42 MedicareAdvantage 42 Sidney Taurel 42 Paula Rosput Reynolds 42 Vumbacco 42 Jesse Slome executive 42 ratio MLR 42 Letnaunchyn 42 Triad Guaranty Insurance 42 FAIR Plan 42 Donald Kanak 42 QCSI 42 Larry Merlo 42 Linkwell Health 42 Borgess Health 42 D. Fraizer 42 PCMH model 42 UNIFI Companies 42 Janet Trautwein 42 Federico Buenrostro Jr. 42 BEN E LECT 42 Christine Poon 42 MCMH 42 workman compensation insurance 42 Mack Whittle 42 Chief Executive Robert Willumstad 42 policyholder dividends 42 AIG VALIC 42 John Hammergren 42 Paul Beideman 42 vielife 42 Glenn Hackbarth 42 Galichia Heart Hospital 41 NYSE WLP 41 Frank Lazaran 41 Suzanne Delbanco 41 Gerard Arpey AMR 41 Clark Bardes Consulting 41 director Haitham Maghawri 41 Belshé