Lee Bowron, ACAS, MAAA and John Kerper, FSA, MAAA are partners with Kerper and Bowron LLC which focuses on service contracts and other F&I products. Kerper and Bowron LLC is considered a leading expert on vehicle service contracts and has developed innovative techniques and models for analyzing service contracts. Both John and Lee speak regularly at industry related seminars such as the Vehicle Service Contract Administrator’s Conference. We have also written articles for several publications including Best’s Review. Lee is an active member of the Casualty Actuarial Society, serving as a member of a research committee and chair of statistical working group. John is a member of the Society of Actuaries, and both are members of the American Academy of Actuaries.