Mortgage Processing Expert 533759

Expertise Description

I have over 45 years experience in Mortgage Servicing with expertise in mortgage banking operations, lending, portfolio administration, credit risk analysis, financial planning, remediation, foreclosure, and bankruptcy processes. I have prior expert witness experience with consultations, depositions, and courtroom testimony.

Real Estate Anaheim Expert Witness CA(S) 532131

Expertise Description

I am an experienced realtor expert witness with more than 15 years in the real estate industry. My areas of focus include mortgages, real estate, selling real estate, origination of loans, PACE loans, risk management, transaction coordination services, and predatory lending. I am offering my services as a realtor expert witness.

Title/Escrow Expert Witness TN 531868

Expertise Description

I am an experienced titles and escrow expert witness. With over 30 years in the field, I specialize on handling defalcations, including conducting immediate onsite interviews, identification of recoverable assets, securing injunctions/ receiverships, preparing victim impact testimony at post-conviction sentencing hearings, designing operational software, and managing enterprise risks. I have been offering courtroom testimony, deposition, and consultations for more than 5 years as a titles and escrow expert witness.

Real Estate Brokerage Expert 530716 AL

Expertise Description

I graduated from the University of Denver Law School with an undergaraduate degree, B.S. Law. I have been a Colorado Managing Real Estate Broker for over 35 years. During those years, I have performed all of the required Annual Continuing Education requirements. I have invested in and brokered single family homes, multifamily properties, and commercial properties. I have also invested in, brokered, originated, serviced, and apprasised private promissory notes and other cash-flow assets nationally. I have valued and appraised private promissory notes for attorneys, C.P.A.’s, banks, savings and loans, estates, trusts, individual investors, and real estate developers. I have provided clients with courtroom testimony, consultations, and deposition as a real estate brokerage expert witness for more than 10 years.

Mortgage Expert 530737 CO

Expertise Description

I have worked for over 40 years as a mortgage loan originator. I have experience with purchase reverse mortgages, classic reverse mortgages, home loans, direct lending, credit report analysis, credit education, predatory mortgage lending, post short sale, foreclosure and mortgage settlement lending. I have provided courtroom testimony, deposition, and consultations as a mortgage expert witness for more than 15 years.

Financial Markets Expert 523065 GA

Expertise Description

I have over 25 years' experience in financial markets & Fixed Income. I have a focus in securities and commodities disputes, financial and trading analysis, asset-backed (ABS, CDO), mortgage-based (MBS, CMO) securities and derivatives pricing, risk analysis, and damage computation. I have provided consultations, deposition, and courtroom testimony as a financial markets expert witness for more than 20 years.

Real Estate Banking Expert 508910 CA(N)

Expertise Description

I have over 30 years experience in real estate with an additional 15 years working as a banker. My expertise includes Mortgages; Origination and funding of private money loans; over 15 years of bank lending experience in the areas of consumer finance, residential real estate and business lending and loan administration. I have provided numerous clients with consultations, deposition, and courtroom testimony for more than 15 years as a real estate banking expert witness.

Consumer Banking Expert 519814 CT

Expertise Description

I have over 40 years of financial services experience in consumer banking. My expertise is in consumer lending products, operational re-engineering, risk management – including credit and capital market liquidity, and compliance with guidelines with respect to the bank’s internal and regulatory requirements, including fair lending, audit practices, and regulatory issues. I have prior experience as a consumer banking expert witness and have provided clients with deposition, consultations, and courtroom testimony.

Wholesale Insurance Expert 340790 GA

Expertise Description

With more then 50 years experience in the entire insurance distribution system, I have an expertise in the insurance and reinsurance industries, retail insurance brokering, wholesale insurance brokering, Bermuda reinsurer, and Captive insurer/Micro Captives. I have spent over 15 years providing clients with consultations, deposition, and courtroom testimony as an insurance expert witness.

Insurance Regulatory Matters Expert 521584 NJ

Expertise Description

I have spent over 50 years working in Insurance Regulatory Matters with a focus in global regulatory standards, ComFrame, reinsurance standards, capital standards, life insurance regulation, property/casualty reinsurance, title, mortgage guaranty and financial guaranty. I have also offered my services for more than 50 years as an insurance regulatory matters expert witness by providing deposition, consultations, and courtroom testimony.

Real Estate Brokerage Bay Area Expert 44426 CA(N)

Expertise Description

I have over 25 years experience in Real Estate Brokerage with expertise in Real Estate valuation; investment management; damages calculation; CMBS and RMBS; transactions; loan sales; underwriting; loan origination; mortgage brokerage; market feasibility; lease disputes; lender/developer disputes; syndication; bankruptcy; and standards of care. I have offered my services as a real estate brokerage expert witness for more than 15 years with consultations, deposition, and courtroom testimony.

Real Estate Broker Expert 523531 AZ

Expertise Description

I have over 20 years experience as a Real Estate Broker, Real Estate Instructor, confidential Consultant and Testifying Expert Witness in Arizona. My experience includes: residential and commercial real estate brokerage, both sales and property management. My expertise includes every aspect of the real estate transaction, including: procedures, policies, standards of care, duty of care, conduct, agency, dual agency, fiduciary duties, industry customs and practices, agent competence, commission disputes, disclosure, advice & counsel, risk management, broker supervision, advertising & marketing, license requirements, Mexico transactions, etc. I have over 20 years expert witness experience with consultations, deposition, and courtroom testimony.

Loan Servicing Expert 519825 AL

Expertise Description

I have more than 25 years of experience in Loan Servicing & Administration with a focus in defaulted loan servicing, from early-stage delinquency to final disposition of an acquired property. I have additional knowledge of pooling and servicing contracts and the contractual obligations of a servicer. I also have expertise with investors and insurers/grantors, with in-depth knowledge of requirements, exceptions, time frames and curtailments/refused claims. I have also spent over 5 years as a loan servicing expert witness and have provided numerous clients with consultations and deposition.

Real Estate Valuation Expert 520430 OH

Expertise Description

I have been working in the real estate industry for more than 30 years with a focus in real estate valuation. I have expertise in complex valuation problems, including specialized appraisals, such as relocation, review, REO, and forensic assignments. My specialties also include valuation technology, valuation consulting, real estate data analysis and management, forensic residential appraisals, and relocation appraisals. I have also spent over 30 years as a real estate valuation expert witness in Ohio by providing clients with deposition, consultations, and courtroom testimony.

Commercial Real Estate Expert 520346 OH

Expertise Description

I have been working in the field of commercial and industrial real estate for over 40 years in a variety of settings, including appraising for mortgage loans and real estate taxes, asset and property management, and site selection and development. I have additional knowledge in web based marketing, mass mail marketing, and target marketing; tenant/landlord lease negotiations; public relation with chambers of commerce, zoning boards, and professional groups. I have also spent more than 35 years as a real estate expert witness in Ohio and have provided clients with consultations, deposition, and courtroom testimony.

Real Estate Appraisal Expert 520340 OH

Expertise Description

I have spent more than 30 years as a Real Estate Appraiser with a particular expertise in detailed condemnation/eminent domain appraisals, including partial acquisitions and severance damages; appraisals for real property, tax cases, including testimony for ad valorem tax purposes for government and private clients; provide appraisals and analysis of proposed commercial, industrial, and residential developments for mortgage lending; list and facilitate the sale and lease of residential and commercial property. I have also worked as a real estate appraiser expert witness in Ohio for over 20 years by providing clients with courtroom testimony, consultations, and deposition.

Insurance Broker Expert 455037 CA(S)

Expertise Description

I have more than 30 years experience in the field of Insurance with expertise in negotiating the sale and purchase of insurance agencies and the terms and development of specialized insurance products in partnership with major insurance companies. I have additional experience with formation and management of group captives. I have over 10 years expert witness experience.

Real Estate Expert 514912 WA

Expertise Description

I have more than 15 years managing commercial properties as a Financial Strategist. I have sold and leased on market properties, generated market comparable reports, and I have strategized with property owners and real estate professionals to optimize real estate assets. I have extensive residential and commercial mortgage experience. I have provided financial advisory services as well as turnaround management, and receivership for clients. I have worked with multiple product types, including office, retail, industrial, hospitality, and multifamily. I have additional experience with a commercial and multi-family brokerage firm and have helped originate loans and facilitate closings.

Real Estate Expert 34676 CA(S)

Expertise Description

I have more than 45 years of experience in the field of Mortgage Loans including reverse mortgage. I am an attorney licensed to practice law in California and my firm is general practice, however, the primary areas of practice are: Real Estate, Homeowner Associations, Mortgage Law, and Construction Law. I also provide consulting services to owners of apartments, commercial buildings, rental homes and homeowner associations, as well as related services concerning the sale of real estate, acquisition of real estate, and all areas of real estate lending and loans. I have over 25 years of expert witness experience with consultation, deposition, and courtroom testimony.

Land Use Expert 504619 NJ

Expertise Description

I have more than 40 years experience in the field of Land Use with expertise in residential and commercial real estate closings, title review work for lenders, title insurance law, and mortgage foreclosures. I have additional experience with having owned my own title insurance agency as well as been Underwriting Counsel. I have prior expert witness experience with consultations, deposition, and courtroom testimony.

Real Estate Broker Expert 319199 CA(N)

Expertise Description

I have over 30 years experience as a Licensed Real Estate Broker. My experience includes: residential and commercial real estate brokerage; real estate finance; lending; loan servicing; damage assessment; and foreclosure. My expertise includes: debtor in possession (DIP); financially related litigation support; real estate dispute resolution; real estate finance, structures finance, and securitization; institutional and private mortgage lending; lender – borrower disputes; risk analysis; budget and proforma analysis; damage assessment and evaluations; liquidating lender assets; bankruptcy workouts; super-priority loan cram downs; dealing with private lenders as well as institutional lenders; corporate organization and operations; procedures, policies, and standards of practice, duty of care, and conduct; industry customs and practices; loan underwriting, servicing, collections, and foreclosures; capital raising – private lenders; brokerage commission disputes; and rebuttal analysis on opposing expert’s reports. I have more than 15 years expert witness experience with consultations, deposition, and courtroom testimony.

Banking Loans Valuation Expert 318651 GA

Expertise Description

I have more than 20 years experience in management at banks, savings & loans, credit companies, mortgage banking companies, and a governmental financial institution regulatory agency, specializing in economic, valuation, real estate, and banking matters. My expertise includes duty of care, good faith, bank policies and procedures, credit damage, banking regulations, business valuation, economic damages, credit card fraud, savings and loan industry standards, banking industry standards, truth in lending act, feasibility studies, asset appraisal, escrow closing, financial statements, lost wages, embezzlement, intellectual capital, and much more. I have over 20 years expert witness experience with consultations, deposition, and courtroom testimony.

Legal Malpractice Expert 151958 CA(S)

Expertise Description

I have 40 years experience as a practicing attorney specializing in Real Estate and Mortgage, Broker Malpractice, and Legal Malpractice. My real estate expertise includes disputes over business transactions and interpretation of real estate documents. My Legal Malpractice expertise includes attorney’s failure to meet minimum standards of skill and diligence and negligent preparation of contracts. I am also experienced with mergers and acquisitions. I have 20 years expert witness experience with consultations, deposition, and courtroom testimony.

Real Estate Appraisal Expert 166004 CA(S)

Expertise Description

I have 20 years experience as a Certified Real Estate Appraiser (C.R.E.A.). My expertise includes the appraisal of homes (large custom homes to one bedroom condos) and income producing properties (commercial and industrial), as well as agricultural properties, special purpose properties, and apartments. I am also experienced in eminent domain, consultation, feasibility, and highest and best use studies. I have prior expert witness experience with consultations, deposition, and courtroom testimony.

Real Estate Mortgage Expert 107615 CA(S)

Expertise Description

I have more than 25 years of experience in Mortgage and Real Estate. I specialize in mortgage fraud, predatory lending practices, lender liability, landlord / tenant disputes, real estate fraud and disputes, real estate disclosures and standards of care, and offering opinions on industry standards and practices. My experience includes litigation consulting in the following areas: plaintiff and defense strategies concerning breach of contract and / or fraud; mortgage fraud litigation; credit underwriting; brokers malpractice issues; title insurance coverage, exclusions, and claims; and commission compensations issues. I have more than 10 years expert witness experience with consultations, deposition, and courtroom testimony.

Certified Public Acccountant Expert 128664 TX

Expertise Description

I have 55 years experience in practice focusing on litigation services, as well as federal tax services and practice management consulting for professional firms. I have more than 40 years of experience as a practicing public accounting. My expertise includes forensic investigations, lost profits issues, accounting and legal malpractice matters involving federal taxation and GAAP issues; estate and probate matters; alter ego matters; accounting records and financial statement reconstructions; claims of fraud on business transactions; insurance agency and agent errors and omissions matters; construction claims; hospitality industry matters; bankruptcy matters; C.P.A. and C.F.E. professional standards of care matters; and other types of disputes requiring long-time business and financial expertise. I have prior expert witness experience with consultations, deposition, and courtroom testimony.

Forensic Accounting Expert 55643 CA(S)

Expertise Description

I have over 20 years experience as a Public Accountant specializing in fraud detection and prevention, including fraud identification, forensic accounting, employee training, situational awareness, anti-fraud internal controls, safety, risk-management, deterrence, investigations, financial dispute resolution, damage calculations, audit resolutions, and fraud analysis. I also have experience in real estate accounting practices such as: budgeting / forecasting; management reporting; complex modeling; loan financing / administration; cash-flow analysis, valuation, audits, and debt restructuring; and contracts, property management, and litigation control. I have prior expert witness experience.

Banking And Finance Expert 47030 AK

Expertise Description

I have over 40 years experience as a banking and real estate finance professional consulting on policies and issues in Commercial Banking, Mortgage Banking, Checking Account, Credit Scores, Construction Lending, and Standards of Conduct. I have served as lending officer, senior real estate officer, portfolio manager, credit risk management, manager of multi-bank loan syndications, president and chief executive officer. I have consulted to credit review agencies, federal agencies, bank policies, banking regulations, insurance companies, troubled companies requiring loan restructure and receiverships. I have 25 years expert witness experience with consultations, deposition, and courtroom testimony.

Commercial Loans Expert 40669 CA(N)

Expertise Description

I have more than 40 years experience in Portfolio Management and Business Development. My expertise includes banking and commercial loans; problem loans; credit scores; bankruptcy; agriculture; real estate finance and property management.

Corporate Governance And Executive Compensation Expert 96790 CA(S)

Expertise Description

I have over 40 years experience providing management, financial and advisory services involving corporate governance, management, compensation, financial and banking matters including underwriting commercial loans for small businesses. I have additional experience serving on boards, assisting in corporate restructures and providing advisory services to a diverse group of clients including corporations, law firms, financial institutions, and governmental agencies. I have more than 15 years expert witness experience with consultations, deposition, and courtroom testimony.

Mortgage Underwriter Expert 25401 CA(S)

Expertise Description

I have over 40 years experience in real estate brokerage issues. My areas of expertise include: include private loans, loan underwriting, brokerage, office, retail, and industrial leases, and commercial real estate. I have more than 30 years expert witness experience with consultations, deposition, and courtroom testimony.

Real Estate Appraisal Expert 12548 CA(S)

Expertise Description

I have 25 years experience as a Residential Appraiser and Real Estate Broker. My areas of expertise include residential, residential income, commercial, industrial, vacant land, mobile homes, ERC relocations, PMI removal, mortgage lending, estate valuation, income & amp; estate taxes, trust valuations, portfolio, evaluations, ad valorem tax valuations, tax appeals, tax assessment, review of appraisals, and the valuation process. I have prior expert witness experience.

Mortgage Lending Expert 323663 CA(S)

Expertise Description

I have over 25 years experience in Finance specializing in capital markets, mortgage lending, and mortgage-backed securities. I have experience in a variety of capital markets functions that include research, trading, sales, and operations. My areas of expertise include: Mortgage and MBS performance and valuation; Risk management and Value-at-Risk methodologies; Securities structures, performance and suitability; “Rep and Warranty” violations; and General capital market issues.

Real Estate Broker Expert 328567 CA(N)

Expertise Description

I have more than 15 years experience in Financial Real Estate and am currently a Real Estate Broker. My areas of expertise include Mortgage Loan Origination, Disclosure Standard of Care, Forensic Loan Analysis, and Mortgage Quality Control. I have experience in Brokerage and Loans with Operations, Marketing, Quality Control, and Fraud Prevention. I have prior expert witness experience.

Finance Expert 342906 CA(N)

Expertise Description

– I have more than 45 years experience in Business and Finance. My areas of expertise as a equity analyst include Mergers and acquisitions due diligence, Underwriter due diligence, Investor due diligence, Lender due diligence, Investment banking industry, Private equity and venture capital industry, Commercial and mortgage banking industry, banking industry standards, banking regulations, and Corporate governance custom and practice. I have over 15 years expert witness experience with consultations, deposition, and courtroom testimony.

Real Estate Appraisal Expert 500391 TN

Expertise Description

I have more than 10 years experience in the field of Real Estate with expertise in Appraisal. I have experience with a variety of property types such as industrial buildings, office buildings, retail buildings, apartment buildings, commercial/ industrial condominiums, vacant industrial, tax appeals, commercial, and/ or residential land (including subdivisions) and a number of other special uses such as churches, car washes, self-storage facilities, convenience stores, schools, and daycares. I have additional experience with mortgage loans, management decisions regarding real estate portfolio management, acquisitions, tax appeal litigation, and estate purposes. I have prior expert witness experience.

Attorney Expert 377213 CA(S)

Expertise Description

I have more than 50 years as an Attorney specializing in Real Property, Title Insurance, and Business Disputes. My areas of expertise include Strategic Dispute Management; Second Opinions, Exit Strategies, and Alternative Solutions, Preventive Law, such as legal risks and crisis prevention; and Claims Audit and Controlling the Cost of Claims. My real estate experience includes foreclosures, easements, fraud, partnerships, joint ventures, lender liability, Hawaiian land rights, mineral rights, construction loans, mechanics’ liens and other involuntary liens, landlord tenant, mortgages, trust deeds, purchase and sale, restrictive covenants, water rights, trusts, priorities and recording, financing, brokers, encroachments, boundaries, fiduciary responsibilities, statute of frauds, lis pendens, escrows, option contracts, and marketable title. I have experience with insurance disputes in general liability, title insurance, bad faith and extra contractual liability, property insurance, reservation of rights, policy interpretation, punitive, damages, and subrogation.

Banking Expert 455897 CA(S)

Expertise Description

I have more than 30 years experience in the field of Banking with expertise in Real Estate and Lender Liability. I have experience with appraisal and valuation, construction and permanent lending, commercial leases, commercial lease negotiations, commercial lending (secured and unsecured), committee approval process, credit policies and procedures; managing forbearance agreements and workouts, and credit administration and underwriting. I have over 5 years expert witness experience with consultations, deposition, and courtroom testimony.

Escrow Expert 395393 CA(S)

Expertise Description

I have more than 25 years experience in Escrow and Sales. I have experience with top tier sales, major client accounts, escrow and title support units, escrow closing, operational workflow, reverse mortgage, account managing, origination mortgage post closing issues, unrecorded deed correction, and affordable housing building and development.

Real Estate Expert 438977 AL

Expertise Description

I have more than 10 years experience in the fields of Commercial and Residential Real Estate with expertise in sales, purchases, leases, refinancing, mortgage lending, landlord/tenant matters, development of land, corporate entity formation, and franchise agreements. I have additional experience in recording and filing fees.

Accounting Malpractice Expert 435758 AL

Expertise Description

I have over 20 years experience in the field of investigative accounting and litigation support with expertise in accounting malpractice, damage assessments, claims investigations and consultations, business valuation, risk management services, and negotiation of various bond forms and endorsements. I have additional knowledge in minimizing the potential for fraud including employee theft, improper authorizations, embezzlement, fictitious employees, dummy accounts payable, non-existent suppliers, and subcontractor kickback schemes. I have more than 20 years experience as an expert witness with consultations, deposition, and courtroom testimony.

Banking Law Expert 444191 TX

Expertise Description

I have more than 5 years experience in the field of Banking Law. My expertise in U.S banking regulations, real property, oil and gas, family law, marital property, checking account, loan agreements, promissory notes, mortgages, guaranty, attorney competence, and surety ship agreements.

Banking And Lending Expert 323739 AZ

Expertise Description

I have more than 20 years experience in the field of Banking and Lending. My experience includes commercial, consumer, construction, and residential mortgages, as well as lender liability, bank operations, check fraud, credit damage, banking regulations, and credit damages. I have over 20 years expert witness experience with consultations, deposition, and courtroom testimony.

Real Estate Expert 52459 CA(N)

Expertise Description

I have over 50 years experience in corporate and commercial real estate and property development, real property law in California, mortgage law, titles and deed of trust, real estate brokerage, property law, the Uniform Land Security Interest Act, property owners associations, real estate codes, real estate law, broker malpractice, and attorney malpractice. My further areas of expertise include commercial codes, real estate finance, planning and zoning, landlord-tenant issues, leasing and property management, and easements. I have more than 30 years expert witness experience with consultations, deposition, and courtroom testimony.

Economics And Finance Expert 59192 TX

Expertise Description

I have over 30 years experience in the field of Economics and Financial Services Consulting. My extensive experience in economics, finance, economic damage analysis (including business and technology losses), banking, business, ESOP and non public business valuations, securities, healthcare, fairness and advisory opinions, intellectual property valuations, real estate and corporate finance, economic / finance reports, feasibility analysis, corporate business plans and provides litigation support (having been qualified in both State and Federal Courts) in the areas of – economics, real estate, banking, corporate and IP valuations, economics, forensic economist, mortgage loan servicing, and class actions. State certified general real estate appraiser. I have more than 30 years expert witness experience with consultations, deposition, and courtroom testimony.

Mortgage Banking Expert 423769 TX

Expertise Description

I have over 20 years experience in mortgage banking and related financial services. My expertise includes residential mortgage loan servicing in the area of operations, customer care management, banking regulations, foreclosure, bankruptcy, reo, compliance, loan modifications, including the federal Home Affordable Modification Program, policy and procedures, etc. I have prior expert witness experience with consultations, deposition, and courtroom testimony.

Bankruptcy Expert 347550 CA(S)

Expertise Description

I have more than 25 years experience in the field of Bankruptcy. My experience with bankruptcy law involves general or special counsel for business and individual debtors, secured and unsecured creditors, creditor's rights, creditor committees and bankruptcy trustees. My expertise includes bankruptcy appeals, non-bankruptcy liquidations and reorganizations, mortgage modifications, business litigation, expert witness work and other matters, as well as Chapter 7, Chapter 11, and Chapter 13 cases. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.

Mortgage And Finance Expert 357187 CA(S)

Expertise Description

I have more than 25 years experience in the mortgage and finance industry. My expertise includes fraud prevention, fraud protection, and identifying irregular documentation. I have held top executive level positions within the banking industry concerning Savings and Loans, banks, mortgage brokers, and mortgage bankers on wholesale and retail systems. I have overseen the funding of billions of dollars in loans. My litigation support experience includes proper procedure in originating, processing, underwriting, and funding of loans. I have prior expert witness experience.

Mortgage Lending Expert 358282 AZ

Expertise Description

I have more than 35 years experience in Real Estate Finance & Mortgage Lending. My expertise includes real estate standards of care, appraisal review, real estate transactions, secondary market transaction review, mortgage brokerage activities, and mortgage banking activities. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.

Commercial Banking Expert 342963 AZ

Expertise Description

I have more than 25 years experience in the field of Commercial Banking and Real Estate Lending with expertise in bank policies and procedures,
banking regulations, construction lending, commercial loans, standard of care, standards of conduct, lender liability, hard money loans, loan disclosures, loan documentation, and fund control. I have additional experience with providing services to bank and non-bank clients by assisting them with loan development, structuring, placement and workout solutions, specializing in commercial real estate, construction, and SBA lending. I have over 5 years expert witness experience with consultations, deposition, and courtroom testimony.

Title Insurance Expert 343904 IL

Expertise Description

I have more than 20 years experience in title insurance with additional expertise in subprime and standard mortgages, and mortgage lending including escrow-closing services. I have prior expert witness experience.

Credit Risk Management Expert 325022 CA(N)

Expertise Description

I have more than 35 years experience in financial institutions with proven leadership in all situations, including particular expertise in credit risk management, performance-based operations, profitability, quality, customer service, mortgage backed securities, real estate evaluation, breach of covenants, appraisal review, underwriting, lender liability, industry standards, prudence, and the permutations and perils of sub-standard and low quality lending practices. My experience includes: mortgage banking; residential mortgage lending; mortgage loan buybacks; subprime and standard mortgages; consumer financial services; loan and organization due diligence; lender liability; real estate and loan valuations; and all aspects of residential lending. I have more than 5 years expert witness experience.