Matt McHatten

Matthew R. McHatten

President & CEO

Matthew R. McHatten joined the Company in 2001 and serves as President & CEO.  He previously served as Executive Vice President, Chief Operating Officer, Secretary and Clerk and before holding that role served as Senior Vice President of External Operations and Vice President and Marketing Director.  Mr. McHatten holds a Bachelor of Science Degree in Business Administration and Finance from the University of Maine and also has attended several executive development programs.  He was previously employed by Key Bank’s Corporate Banking Division as a Vice President and Relationship Manager.  Mr. McHatten is a Board Member of the Aroostook Partnership and serves on the Strategic Communications Council of the National Association of Mutual Insurance Companies (NAMIC).  He is past Chair and member of the University of Maine Business School Advisory Board, past Chair and member of the NAMIC Management Conference Board, and past Chair of the Aroostook Partnership.  He is a past member of the Hartford Steam Boiler Advisory Board, past President and past member of the Presque Isle Rotary Club, and past President and member of the Board of Directors of the Central Aroostook Association.  Mr. McHatten is a Rotary International Paul Harris Fellow, recipient of the NAMIC Merit Award and was named to the 2010 MaineBiz Next List, an award presented annually to ten individuals recognized as being influential in the future of Maine’s economy.  In 2019, Mr. McHatten was awarded the prestigious President Abram W. Harris Award by the University of Maine Foundation.

David G. McPherson

Executive Vice President, COO, Secretary & Clerk

Dave McPherson joined the Company in 2020 and serves as Executive Vice President, COO, Secretary & Clerk.   He previously served in the role of Senior Vice President of Operations.  He has a broad operational background and previously worked at Travelers, most recently holding the position of 2VP Underwriting Operations in Middle Market.  In that role, he built significant cross functional experience with focus in the areas of process enhancement, technology, quality, and productivity.  Prior to joining Travelers, he worked at Progressive in various claims leadership roles, lastly holding the position of Claims Manager III with responsibility of all claims functions for his region.  Mr. McPherson holds a Bachelor’s degree in Business Administration with a focus on Operations Management from Harding University.

Stacy Shaw

Stacy L. Shaw

Senior Vice President / Chief Information Officer

Stacy L. Shaw joined the Company in 1998 as a computer programmer.  He serves as Senior Vice President and Chief Information Officer and previously held the positions of Vice President, Assistant Vice President, Information Systems Manager, Assistant Information Systems Manager, Senior Systems Analyst/Engineer, Programmer/Analyst, and Programmer.  Mr. Shaw holds a Master of Business Administration (MBA) degree from Husson University as well as dual Bachelor of Science Degrees in Computer Engineering and Electrical Engineering from the University of Maine with a minor in Computer Science.  He attended summer school at Harvard University for computer science.  He is a member of the University of Maine at Presque Isle Foundation Board.  He is a member of the Institute of Electrical and Electronics Engineers (IEEE).  Mr. Shaw is a past Director and President of the Board of Directors for the Central Aroostook Chamber of Commerce.

Kendra L. Coates, CPA

Senior Vice President, CFO & Treasurer

Kendra Coates joined MMG in 2022 and serves as Senior Vice President, CFO & Treasurer.  She previously served as Senior Vice President, Deputy Chief Financial Officer. Ms. Coates brings over 25 years of financial, regulatory, and operational experience to MMG.  She began her career with the Maine Bureau of Insurance as an Examiner in 1997. Shortly thereafter, Ms. Coates moved to Arthur Andersen LLP as a Senior Auditor and later assumed the role of Manager with the company’s insurance regulatory team. In 2004, she assumed the role of Director of Financial Analysis at the Maine Bureau of Insurance, a position she held for over ten years. In 2015, Ms. Coates moved to the Department of Administrative & Financial Services as the Finance Director for the General Government Service Center and the Office of Information Technology. In this role, she managed the IT operating budget along with several modernization projects. Most recently, Ms. Coates held the role of Deputy Commissioner/Chief Operating Officer of the Department of Public Safety which includes over 600 employees and 10 government bureaus. Ms. Coates  attended Saint Joseph’s College where she received her bachelor’s degree in Business Administration with a concentration in Accounting. Ms. Coates has been a volunteer with Habitat for Humanity, a member of the Maine Senior Games basketball team, and a supporter of the Hall-Dale School community.

Corey Graham

Corey A. Graham, AIC, LPCS, CSPO

Vice President of Claims

Corey Graham joined MMG in 2006. He was promoted to Casualty Claims Manager and again to Vice President of Casualty Claims before assuming his current role as Vice President of Claims in 2021.  Mr. Graham has been employed in the insurance industry since 1992 holding various positions including Producer, Litigation Examiner, and Regional Casualty Claims Specialist.  He holds a Bachelor of Science Degree in Criminology from the University of Southern Maine and a Master of Business Administration Degree from Husson University.  He has also earned the Associate in Claims designation from the American Institute for Chartered Property Casualty Underwriters, his Legal Principles Claim Specialist designation from the American Educational Institute and his Certified Scrum Product Owner from Scrum Alliance.  In 2021 Mr. Graham attended the Dartmouth executive leadership and strategic impact program at the Tuck School of business. Mr. Graham is a member of the Advisory Council of the National Association of Independent Insurance Adjusters.  He is also a member of the Atlantic Executive Claims Association and former member of the Executive Committee for Presque Isle High School Project Graduation.  Mr. Graham is a former advisory board member for RISE.

Derek Hochradel

Derek J. Hochradel

Vice President Commercial Lines

Derek Hochradel joined MMG in 2017 and serves as Vice President of Commercial Lines. He brings more than 20 years of experience in middle market commercial lines management and underwriting. His background includes responsibilities in a broad cross section of commercial lines products, underwriting talent development, loss control, and technology modernization efforts with large regional carriers.  He is a graduate of The Ohio State University with a degree in Consumer Affairs.  Prior to his move from Ohio to Maine, he was active in his community by serving as a volunteer for Habitat for Humanity, the United Way and youth sports coaching.

Eric W. Tawfall

Eric W. Tawfall, CPCU, AIDA

Vice President Personal Lines

Eric Tawfall joined MMG in 2017 and serves as Vice-President Personal Lines. He has more than 23 years of experience in a variety of roles across several disciplines; underwriting, research, affinity marketing, pricing, and product management. Throughout his career, he has worked closely with independent and captive agency distribution networks to develop various strategies to help achieve objectives in the marketplace. Mr. Tawfall holds the CPCU & AIDA designations and is a graduate of Eastern Illinois University with a B.S. in Finance and an MBA. Eric is active in the community and currently serves on the Aroostook County Board for Junior Achievement.

Kayla O’Malley Dill, CIC, AIC

Vice President Marketing & Business Development

Kayla Dill has been with the Company since 2013 and serves as Vice President of Marketing & Business Development. She previously held the positions of Senior Territory Manager for Maine, Territory Manager, and Senior Marketing Representative.  Prior to joining MMG, she worked for a national carrier holding positions in Sales, Casualty Claims, and Learning & Development.  Ms. Dill is a graduate of the University of Maine Business School.  She has earned the designations of Associate in Claims (AIC) and Certified Insurance Counselor (CIC) through the National Alliance for Insurance Education & Research.  She has been active with the Maine Young Agents committee, including volunteer work with the Make-A-Wish Foundation and the Special Olympics Maine.  She was recognized as Young Agent Committee Member of the Year in 2016.  Ms. Dill currently serves on the steering committee for the business resource group MMG Women and holds the position of Treasurer for the Xi Beta of Chi Omega Housing Corp at the University of Maine.

DCollins

Dianne C. Collins, CPCU, AU

Marketing Director

Dianne Collins has been with the Company since 1985 and serves as Marketing Director.  She has served in a number of roles including Personal Lines Assistant Manager and, most recently, Customer Service Manager. Ms. Collins is a Chartered Property Casualty Underwriter (CPCU) and holds the Associate in Underwriting (AU) and the Certificate in General Insurance designations.  She has also earned a Certificate in Management from the University of Maine at Presque Isle in cooperation with the American Management Association. She is a Junior Achievement volunteer; she has previously served on the Board of Directors for Aroostook County Action Program, on the Board of Directors for the United Way of Aroostook as well as the General Education Advisory Committee of Northern Maine Community College.  She is a previous member of the Presque Isle Kiwanis Club.

Nicole T. DiVito

Customer Service Manager

Nicole DiVito has been with the Company since 2009 and serves in the position of Customer Service Manager.  She has served in a number of Customer Service roles, most recently in the position of Assistant Customer Service Manager.  Ms. DiVito holds a Bachelor of Arts in Business Management from the University of Maine at Presque Isle.  She is a licensed State of Maine Property & Casualty Producer and a graduate of the University of Maine at Presque Isle Young Professionals Institute.  She also attended the Leadership Development Program at the University of Wisconsin. Ms. DiVito is an active member of the MMG Women Steering Committee and Presque Isle Rotary Club where she serves on the Board of Directors and as Club Secretary.  She is also a member the Veterans of Foreign Wars (VFW) Auxiliary and through this club serves on the Little Miss and Miss Caribou Scholarship Pageant Committee.  As well, she previously served as Co-Chair of MMG’s Peer Connect Program, the United Way of Aroostook Board of Directors, and American Cancer Society’s Aroostook Relay Leadership Committee.

Jason Ennis

Jason D. Ennis

Enterprise Architecture Manager

Jason D. Ennis joined the Company in 2009 as a Systems Architect and now serves as Enterprise Architecture Manager.  He was previously employed by Unum Group as a Systems Consultant and Technical Architect specializing in underwriting and actuarial systems, then with CCH Incorporated, Wolters Kluwer as Enterprise Services Manager specializing in corporate tax systems and with ATX Forms Inc. as the Enterprise Knowledge Group Manager.  Mr. Ennis holds a Bachelor of Business Administration degree from the University of Maine at Presque Isle, has earned several Microsoft certifications and is working towards his Master in Organizational Leadership degree. Mr. Ennis enjoys volunteering for the United Way and served ten years on the Nordic Heritage Sport Club Steering Committee.

Christina R. Hansen, CLF®

Regional Director - New Hampshire

Christina Hansen joined the Company in 2021 and serves as the Regional Director of New Hampshire. She brings with her more than 25 years of sales and leadership experience in the insurance industry. Christina has held positions including Marketing Representative, Marketing Manager, Regional Manager and Chief Development Officer with companies ranging from Independent Agents to Regional and National Carriers. Christina holds her CLF Designation from the American College of Finance specializing in Leadership and Development. She is also Licensed in both Property & Casualty and Life and Health Insurance. Christina is active in community service and has been a past guest speaker for the Miss New Hampshire Scholarship program speaking to Growing Leaders. She has been an active volunteer at the Nashua Soup Kitchen, Secret Snowflake program with Girls Inc., and Alex’s Lemonade Stand for Childhood Cancer. Christina has served as a Diversity and Inclusion Ambassador in her previous roles.

Kaci L. Ireland

Claims Manager

Kaci Ireland entered the insurance industry in 2017 when she joined MMG Insurance as a Claims Processor. Over her tenure at MMG she has held the roles of Claims Representative, Associate Inside Adjuster, Casualty Claims Supervisor, and Claims Assistant Manager before assuming her current role as Claims Manager. Ms. Ireland holds a Bachelor’s Degree in Business Administration from Husson University and an Associate’s Degree in Liberal Arts from Northern Maine Community College.  She completed her Risk Management Certification in 2018 and is a graduate of the Young Professional’s Institute. Continuing her education, Ms. Ireland is currently pursuing an MBA from Husson University.  Ms. Ireland volunteers as an advisor with the Olympia Snowe Women’s Leadership Institute, working with high school girls to build their confidence and leadership skills.

Kevin Levesque headshot

Kevin P. Levesque, FITSP-M

IT & Information Security Director

Kevin Levesque joined the Company in 2017 as the IT and Information Security Director.  Prior to joining MMG, Mr. Levesque held positions as Director of Information Security with Wolters Kluwer, Global Business Services Division – Global Security, Compliance and Governance; Director of Information Security for CCH Small Firm Services, and Senior Director of Information Technology with CCH Small Firm Services.  Mr. Levesque has a diverse technical and business background with more than 25 years of experience in technical infrastructure, cybersecurity strategy, governance, compliance and risk management programs, and technical operations.  Mr. Levesque attended Husson College’s Bachelor of Science program in Business Administration, earned his Associates Degrees in both Computer Information Systems and Business Administration from Northern Maine Community College, and holds a certificate in Disruptive Strategy from Harvard Business School.

Chris J. Maple, CPCU, AIT, CSPO, CSM

Product Management Director

Chris Maple joined the Company in 2006 and serves as the Product Management Director.  Since joining MMG, he has held a variety of Information System and Enterprise Architecture roles, most recently Business Systems Architect.   Mr. Maple attained a Bachelor of Arts degree in Philosophy from Tufts University in 1998 and a Masters of Science in Insurance Management from Boston University in 2016.  He earned the Chartered Property Casualty Underwriter (CPCU) designation.  He holds a BPMN (Business Process Modeling Notation) certification, an AIT designation (Associate in Insurance Technology) from the Insurance Institute, certifications in CSM and CSPO (Certified ScrumMaster and Certified Scrum Product Owner), and participated in the University of Maine at Presque Isle’s Young Professionals Institute.  Mr. Maple has served as Board President of the Hope and Justice Project and as a den leader and committee chair for the Pack 170 Cub Scouts.  He served as a steering committee member for Momentum Aroostook, a volunteer for Wintergreen Arts Center and for Nordic Heritage Center.  He was a Titan Challenge Coach for Junior Achievement (including coaching a state champion team).

Stephen Morgan

Stephen H. Morgan

Claims Director

Stephen Morgan joined the Company in 2014 and currently serves as Claims Director.  Prior to his current position, Mr. Morgan served as Casualty Claims Manager and Assistant Casualty Claims Manager.  He holds a Bachelor’s Degree with a major in English and a minor in Political Science from the University of Southern Maine.  He also holds an Associate Degree in Communications from Graham Junior College.  Mr. Morgan has a very diverse and extensive claims background that spans 35 years with large national carriers.  He has held various claims positions over his career including; Bodily Injury Adjuster, Total Loss Specialist, Property Adjuster, Theft Specialist, Field Claims Examiner, Auto Physical Damage Supervisor and Assistant Casualty Claims manager and Casualty Claims Manager.   He has been active in his community serving as the Westbrook High School chess coach from 1999-2018 and was previously involved in the Westbrook Grammar School chess program.   He is Past Commander of the Sons of Union Veterans of the Civil War for the State of Maine and a past member of the Third Maine Volunteer Regiment-Civil War Re-enactment Group.  He has coached little league baseball and been a youth soccer coach for many years in Westbrook.  He has served on the board of directors for the Chess League of America from 2009-2013 and on the board of the Portland Chess Club where he has been a member for 40 years.   He volunteers with the Boys and Girls Club of Presque Isle.  He also volunteers with school and youth chess programs with a free lecture and simultaneous exhibition.

Terri Ouellette

Terri L. Ouellette, MSB, ARe, AIAF

Accounting Manager

Terri Ouellette has been with the Company since 1998 and serves as Accounting Manager.  She previously held the positions of Assistant Accounting Manager, Senior Accountant, Accountant, and Assistant Accountant.  Ms. Ouellette holds a Master of Science in Business Degree through Husson College.  She also holds a Bachelor of Arts in Accounting Degree and a Bachelor of Arts in Business Management Degree from the University of Maine at Presque Isle.  She earned her Certificate in General Insurance, Associate in Insurance Services (AIS), Associate in Reinsurance (ARe) and Associate in Insurance Accounting and Finance (AIAF) designations through the American Institute for Chartered Property Casualty Underwriter Professionals (AICPCU).  She has the distinction of being named Virginia Allan Young careerist in 2006 by the Caribou Business & Professional Women.  She went on to compete at the regional and state level, capturing those titles as well.  Ms. Ouellette serves on the Caribou Ecumenical Food Pantry Board, the Accounting and Business Administration Advisory Board of Northern Maine Community College and the Aroostook House of Comfort (AHOC) Board where she also serves as the Chair of the Audit Committee.  She previously served as a United Way of Aroostook Board member and Finance Committee member.

James R. “Judge” Parker

Regional Director - Virginia

Judge Parker joined the company in 2020 as the Virginia Regional Manager. He brings more than 40 years of experience in the insurance industry having served in a variety of roles including Marketing Vice President, Regional Vice President, Senior Vice President of Insurance Operations and Local Operating Company President for large national and regional carriers.  Mr. Parker served two terms on the IIAVA Board of Directors and one term on the PIA Board.  Additionally, he was Chairman of the PIA Company Executive Advisory Committee for over five years.  He also served on the Appeals Committee of the Virginia Property Insurance Association Board of Directors.  He was named Company Person of the Year by both the Big I and PIA.  Mr. Parker enjoys spending time in the community.  He has coached both Little League Football and AAU Baseball and currently serves on the board of the Virginia Folk Music Association.  He has established a music scholarship at West Georgia University (his Alma Mater).

Toby Plummer, Assistant Information Systems Manager

Toby T. Plummer, CSM, CSPO

Information Systems Manager

Toby Plummer joined the Company in 2005 and currently serves as Information Systems Manager.  He previously held the positions of Assistant Information Systems Manager, Webmaster, eCommerce Supervisor, Programming Supervisor and the roles of Marketing Business Architect, Software Architect and Project Manager.  Mr. Plummer earned Associates Degrees in Computer Electronics and Information Systems from Northern Maine Community College and his Bachelor of Science Degree with the Directors Award in Business & Technology from Husson College.  He holds certifications from the ScrumAlliance as a Certified ScrumMaster (CSM) and Certified Scrum Product Owner (CSPO).  He enjoys participating and volunteering at the Central Aroostook Humane Society, Aroostook House of Comfort, Special Olympics, Cub Scouts of America, Aroostook County Triathlon, Sugarloaf Marathon, Beach to Beacon and more.  Mr. Plummer is a past Board of Director for the Presque Isle Snowmobile Club, Presque Isle Rotary Club and Northern Maine Community College (NMCC) General Advisory Council.

Abel Russell

Abel T. Russell

Claims Director

Abel Russell joined the Company in 2017 and serves as the Claims Director. He previously held the position of Assistant Casualty Claims Manager. He holds his Bachelor of Science in Business Administration and MBA from Husson University. He also has earned an Associate of Science in Communication from the New England School of Communications and Legal Principles Claim Specialist designation from the American Educational Institute.  Mr. Russell had 13 years of diverse claims experience with a large national carrier prior to joining MMG. Various claims positions included supervisory experience in Total Loss Handling, Bodily Injuries, Auto Physical Damage, Complex Coverage, and Fraud. He holds Property and Casualty Adjuster licenses in Maine, New Hampshire, Vermont, Rhode Island, and Connecticut. Mr. Russell has held the I-CAR Platinum Individual designation and is a 2013 recipient of the Patriot Award from Employer Support Of The Guard And Reserve. He has been active in his youth sports community by coaching local and travel baseball in southern Maine. Mr. Russell has also volunteered for the Aroostook Agency on Aging delivering Meals on Wheels.

 

 

Evelyn Schronce

Evelyn G. Schronce, CPCU, CIC, AIM, AU, API, AIC, AFIS, AINS, AIS, AIDA

Regional Director - Pennsylvania

Evelyn Schronce joined the company in 2010 and currently serves as the Pennsylvania Regional Director. She previously held the role of Senior Marketing Representative for Pennsylvania. She brings more than 30 years of experience in the insurance industry, having served in a variety of roles including production, underwriting, marketing, and management. She has a comprehensive knowledge of underwriting, agency management, industry regulations, products and policy forms. Ms. Schronce is an insurance professional with a passion for the insurance industry and a firm commitment to continuing education and professional development. She holds the following designations: CPCU, CIC, AIM, AU, API, AIC, AFIS, AINS, AIS and serves on Board of Directors for the Pennsylvania Association of Mutual Insurance Companies (PAMIC).

Javed S. Siddiqui, CSM, CSPO

Data, Analytics, and Insights Director

Javed Siddiqui joined the company in 2009 and currently serves as the Data, Analytics, and Insights Director.  He previously held the positions of Assistant Information Systems Data Architect, Senior Data Strategist, and Enterprise Data Warehouse Architect.  Mr. Siddiqui holds a Master of Business Administration (MBA) degree from Husson University as well as a Bachelor of Science Degree in Aerospace Engineering from Boston University.  He holds certifications from the Scrum Alliance as a Certified ScrumMaster (CSM) and Certified Scrum Product Owner (CSPO).  He has served as a member of the Young Professional Institute Steering Committee and enjoys volunteering as a coach for the Junior Achievement Titan Challenge.  He also contributes to his community as an Adjunct Business Instructor for the University of Maine at Presque Isle and serves as Pastor at Calvary Baptist Church.

Arthur J. “AJ” Cloukey, MBA, AIAF

Assistant Accounting Manager

AJ Cloukey has been with the Company since 2000 and serves as Assistant Accounting Manager.  He previously held the positions of Technical Specialist, Senior Accountant, Accountant, and Assistant Accountant.  Mr. Cloukey holds a Bachelor of Science in Accounting with a minor in Finance/Economics from Thomas College and an MBA from Husson University.  He also attended the Leadership Development Program at the University of Wisconsin.  He has earned his Associate in Insurance Accounting and Finance (AIAF) designation through The Institutes.  Mr. Cloukey is three-time past President and current Board member of the Presque Isle Kiwanis Club, past Chair and current member of the Presque Isle Rec & Parks Advisory Board, and serves on the Board of Visitors for the University of Maine at Presque Isle.  He is also a member of the Northern Maine Fair Association Board of Directors and serves as a member of the Finance Committee for the New England and Bermuda District of Kiwanis.  He is a past member of the Momentum Aroostook Steering Committee.  In 2010, Mr. Cloukey was awarded the MMG Community Volunteer of the Year Award.

Andy Grass

Andrew J. Grass, CPCU

Assistant Commercial Lines Manager

Andy Grass has been with the Company since 2003 and serves as Assistant Commercial Lines Manager.  He previously held the positions of Commercial Lines Lead Underwriter, Personal Lines Lead Underwriter, and Personal Lines Underwriter.  He holds a Bachelor’s Degree in Agribusiness and Resource Economics and an Associate Degree in Business Management form the University of Maine at Orono.  Mr. Grass is also a graduate of the New England School of Banking and has earned his Chartered Property Casualty Underwriter (CPCU) designation.  He currently serves on the Board of Directors for the Aroostook County Action Program and is a past President of the Greater Houlton Chamber of Commerce, past Treasurer of the Houlton Regional Health Services Foundation and past Board of Director of the Southern Aroostook Development Corporation.  He is a past Board of Director and current member of the Presque Isle Rotary Club.

Chantal Pelletier

Chantal M. Pelletier, MBA, CPCU, API, AU, AINS, AIS, PCS

Assistant Personal Lines Manager

Chantal Pelletier has been with the Company since 2005 and serves as Assistant Personal Lines Manager.  She previously held the positions of Customer Service Representative, Senior Customer Service Representative and Customer Service Supervisor.  Ms. Pelletier holds an Associate in Applied Science Degree in Legal Office Administration from Northern Maine Community College and Bachelor of Science and Master of Business Administration Degrees from Husson University.  She has earned through The Institutes her Associate in Personal Insurance (API), Associate in Commercial Underwriting (AU), Associate in Insurance Services (AIS), and Associate in General Insurance (AINS) designations.  Through LOMA, she has earned her Professional in Customer Service (PCS) designation.  Ms. Pelletier earned her Chartered Property Casualty Underwriter (CPCU) designation in 2011.  She is a 2010 graduate of the Young Professionals Institute, is a multi-state licensed Property/Casualty Producer, Notary Public, and a member of the MMG Women Steering Committee.  Ms. Pelletier is an active member of the Presque Isle Rotary Club, currently serving as Vice President, Auction Co-Chair and Youth & Literacy Co-Chair, advisor for the Olympia Snowe Women’s Leadership Institute, Aroostook County Sled Run Co-Lead, and member of the Striking out Cancer Relay for Life Team.  She has previously served on the University of Maine at Presque Isle Board of Visitors, Aroostook Relay for Life Leadership Committee and Event Co-Lead, and Den Leader for Cub Scout Pack 171.

Marie E. Roy, ACSRP, ACSRC

Assistant Customer Service Manager

Marie Roy has been with the Company since 2012 and serves as Assistant Customer Service Manager. She previously held the positions of Customer Service Representative, Senior Customer Service Representative, Senior Customer Service Agent, Insurance Service Coordinator, and Customer Service Supervisor. Ms. Roy holds an Associate in Accounting from Northern Maine Community College and Bachelor of Science in Business Administration from University of Maine at Fort Kent. She has earned her Accredited Customer Service Representative (ACSR) designation for both Personal and Commercial Lines and is a multi-state licensed Property/Casualty Producer. Ms. Roy is a 2016 graduate of the Young Professionals Institute.