BA, MBA finance, retired career banker - Commercial and Commercial Real Estate Credit Officer with large bank "house lending limit". Volunteer instructor in university continuing ed program for commercial bankers. 10 years in Capital Markets related divisions. Active consultant in banking, especially turn-arounds and commercial portfolio evaluation, credit process enhancement. Investment style is to accumulate shares in best companies in their segments, focus on EV/EBITDA valuation, revenue and earnings growth, corporate governance favoring dividend growth and share repurchases, wide moat industries and companies, products that improve peoples' health and happiness, constructive contributions to society, SEC regulated companies, US GAAP accounting, with most having noteworthy international revenues.