Don McNay, CLU, ChFC, MSFS, CSSC is founder of the McNay Settlement Group in Richmond, KY. An award winning, syndicated financial columnist, McNay is the author of Son of a Son of a Gambler: Winners, Losers and What to Do When you Win the Lottery and The Unbridled World of Ernie Fletcher. You can write to him at don@donmcnay.com or read other columns at www.donmcnay.com. He has appeared on countless television and radio programs, including over 50 appearances during the first week of the current economic crisis. McNay is the Treasurer of the National Society of Newspaper Columnists and served on the Board of Directors for the National Structured Settlement Trade Association. Don is a lifetime member of the Million Dollar Round Table. Don has a Masters Degree from Vanderbilt University and another from The American College in Bryn Mawr, Pa. He is a graduate of Eastern Kentucky University, where he is a member of their Hall of Distinguished Alumni. McNay hold four profession designations in the financial services field. He is one of the most successful structured settlement consultants in the United States and has written numerous professional articles for publications such as Trial, Trial Diplomacy Journal, Bests Review and National Underwriter. He has been featured in Forbes, Financial Planning, Registered Representative and numerous other publications. McNay has spoken to hundreds of legal, financial and business groups around the United States and in Bermuda. www