Credentials and Background:

• Gustavo R. Diaz, a Cuban-born American and former voluntary member of the United States Army, embarked on a diverse journey encompassing various business ventures. After an honorable discharge, he delved into insurance, obtaining a license in 1979 and co-founding a property and casualty insurance agency with his wife in 1981. Recently, they sold the agency, marking a new chapter in their lives. His professional trajectory extended to contracting for electricity and recycling plants in the Dominican Republic and Costa Rica.

This multifaceted journey has led him to a pivotal moment in life, blessed by divine providence with the knowledge and opportunity to publish a book. Gustavo Diaz is not only a brilliant inventor but also a writer, poet, entrepreneur, salesman, and devoted father. His inventive prowess is best exemplified by, U.S. Patent No. 8,583,525 B1, highlighting his contributions to the world. Furthermore, he is the esteemed author of the book titled “60/40 The Business Method. We the People Saving the American Dream”.

• Gaston Godoy, a luminary in finance and economics, brought a wealth of experience to the table. His academic journey, from American High School to specializations in Marketing, Finance, and Economic Science across Switzerland, France, and England, culminated in leadership roles at Merrill Lynch, Pierce, Fenner & Smith, and Became a Regional Vice President at Cargill Inc, the world’s largest privately owned company. Regrettably, Mr. Godoy has since passed away. Mr. Godoy helped to flesh out the concept and determined the unique nature of this restructuring system and that this novel idea was patentable.

• Professor Manuel Santos, James L. Knight Chair, at the University of Miami, boasts academic prowess, in growth and development; and computation, money and financial markets, macroeconomics, and computational economics a prolific writer with several publications including March/April 2012, Vol. 94, No. 2 Posted 2012-03-01 How Home Loan Modification through the 60/40 Plan Can Save the Housing Sector which introduced along with a forum that is available on YouTube hosted by the University of Miami in April 27 2012 to the world and where the plan is described in great detail. with degrees from the University of Chicago PhD, 1984 University of Chicago MS, 1982 Universidad Autónoma de Madrid BS, 1979.

• Carlos Gimbernard with more than 35 years of experience in various areas of expertise including strategic planning; strategic corporate and government counseling; marketing; IT application design and development; companies and government reengineering and cultural transformation; public and national security; public affairs; public policy counseling; government relations; government image; corporate, and political branding. Who holds from the University of Oxford a PH. D in Business Economics, and Computer Science PH. D in Business Economics, and Computer Science 1972 – 1976 as well as from Harvard University a master’s degree in business administration (MBA). With extensive international business experience, he promoted and introduced data storage and processing. He recommended the adopted technology standards. Conceptualized the mobile user interface apps and added significant depth to the team.