Residential Mortgage Capital
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Residential Mortgage Capital Employees
Towill, Inc. March 2010 - Present
Legal Aid Society October 2007 - March 2010
Residential Pacific Mortgage 2006 - 2007
Residential Mortgage Capital 2005 - November 2006
Zino Mortgage March 2003 - 2005
BWC Mortgage Services November 2000 - February 2003
Household Finance April 1998 - November 2000
Safeway June 1996 - April 1998
Skills
Accounts Receivable, Real Estate, Loans, Microsoft Excel, Training, Foreclosures, Microsoft Office, Budgets, Invoicing, Project Management, Sales, Customer Service
Education
University of Phoenix 2013 — 2015
Accounting and Finance
Chamberlain Real Estate School 2002 — 2010
California Salespersons License, Real Estate
Diablo Valley College 1998 — 2000
Diablo Valley College
Las Lomas High School
City National Bank June 2015 - Present
Bank of America February 2015 - June 2015
Mechanics Bank October 2014 - February 2015
Mechanics Bank May 2013 - October 2014
Mechanics Bank May 2011 - May 2013
Eberline Analytical January 2008 - May 2011
Residential Mortgage Capital 2006 - 2007
Skills
Consumer Lending, Customer Service, Microsoft Excel, Banking, Retail Banking, Mortgage Lending, Loan Documents, Loan Servicing, Construction Loans, Commercial Lending, Small Business Lending, Financial Services, Loans, Sales, Lines Of Credit, Data Analysis, Management, Finance, Microsoft Word, Portfolio Management
Education
University of Phoenix
Business Administration and Management, General
Hercules High School
Hercules High School
Hercules High School
Hercules High School
RPM Mortgage, Inc. August 2014 - Present
Guarantee Mortgage January 2010 - June 2014
First California Mortgage Company February 2008 - January 2010
Residential Mortgage Capital September 2002 - January 2008
GreenPoint Mortgage September 2001 - August 2002
CardPayment Solutions August 2000 - August 2001
Skills
Mortgage Lending, Mortgage Banking, Refinance, FHA, Loan Origination, Residential Mortgages, Loans, Credit, Investment Properties, Real Estate, Underwriting, First Time Home Buyers, Funding, REO, Real Estate Economics, Sales Management, Mortgage Underwriting, Banking, Residential Homes, Customer Service, Credit Analysis, Management, Short Sales, VA loans, Marketing Communications, FHA financing, VA Loans, FHA Financing
Education
University of California, Santa Barbara 1998 — 2001
Bachelor's Degree, Environmental Studies
University of California, Santa Barbara 1998 — 2001
Bachelor's Degree, Geography
Marin Catholic High School
T.G. Taekwondo June 2013 - Present
Kaiser Permanente July 2011 - Present
H/P Technologies, Inc. October 2010 - November 2010
Hotel Shattuck Plaza September 2010 - October 2010
Marin IT August 2010 - September 2010
Kaiser Permanente May 2008 - April 2010
Residential Mortgage Capital September 2003 - May 2008
Skills
Visio, Software Documentation, Troubleshooting, Networking, Security, EHR, EMR, Ambulatory, Training, Computer Hardware, Epic Systems, Information Technology, Healthcare Information..., Outlook, XP, CPOE, Leadership, HIPAA, Fax, Printers, Computer Security, Database Administration, CCDA, Microsoft Applications, Microsoft Excel, Cisco Routers, Management, Windows XP, Cisco Routing &..., EpicCare Order...
Education
University of Phoenix 2011 — 2013
BSIT-NTC, Information Technology/Networking/Telecommunications, 3.85
Axia College of University of Phoenix 2008 — 2009
Associate of Arts, Information Technology, 3.8
College of Marin
Information Technology
Patriot Bank Mortgage September 2011 - Present
Flagstar Bank December 2007 - August 2011
Residential Mortgage Capital May 2005 - November 2007
Porter Novelli February 2001 - April 2005
Porter Novelli May 2000 - February 2001
Porter Novelli May 1999 - May 2000
Porter Novelli May 1997 - May 1999
Paoly's Pizza, Inc January 1989 - May 1997
Skills
Mortgage Lending, FHA, Management, Program Management, Loans, Finance, Refinance, Negotiation, Executive Management, Selling, Forecasting, Strategic Financial..., Mortgage Banking, Mergers & Acquisitions, Analysis, Credit, Managerial Finance, Financial Modeling, New Business Development, Corporate Finance, Residential Mortgages, Banking, Financial Services, Credit Analysis, VA loans, FHA financing, Construction Loans, Loan Origination, Underwriting, Mortgage Underwriting, Investments, USDA, Certified Mortgage..., Consumer Lending, Commercial Lending, Real Estate Financing, Commercial Mortgages, Credit Risk, Real Estate Economics, Investment Properties, Government Loans, Strategy, Financial Analysis, Real Estate, Sales, VA Loans
Education
The Ohio State University - The Max M. Fisher College of Business
BSBA, Finance and International Business
Pinnacle Capital Mortgage Corporation February 2012 - Present
California Mortgage Advisors 2008 - February 2012
Residential Mortgage Capital January 1998 - February 2009
Plaza Funding 1993 - 1995
Skills
Mortgage Lending, Loans, Residential Homes, Banking, FHA, Refinance, Mortgage Banking, Loan Origination, First Time Home Buyers, Investment Properties, Real Estate Economics, Investors, REO, FHA financing, Real Estate, Condos, Referrals, Underwriting, Single Family Homes, Credit, Sellers, Residential Mortgages, Commercial Lending, Real Estate Transactions, Short Sales, Finance, VA loans, Real Estate Financing, Funding, Mortgage Underwriting, Reverse Mortgages, Certified Mortgage..., USDA, Commercial Mortgages, Construction Loans, Foreclosures, Credit Analysis, Mortgage Marketing, Government Loans, Loss Mitigation, Financial Structuring, Home Equity Lines of..., HUD, Non-Conforming, Commercial Real Estate, Investments, Loan Servicing, FHA Financing, VA Loans
Education
Stanford University 1983 — 1985
MSc, Earth Science
University of California, Berkeley 1978 — 1981
Bachelor of Arts (BA), Biochemistry and Molecular Biology
Bank of America November 2010 - November 2013
First Federal Savings and Loan Association of San Rafael December 2008 - November 2010
Residential Mortgage Capital March 2007 - August 2007
Residential Mortgage Capital January 2005 - March 2007
GreenPoint Mortgage August 2003 - December 2004
McGlinchy, Stafford, and Youngblood & Bendalin, PLLC August 2002 - August 2003
Provident Funding Associates L.P. January 2001 - March 2002
Skills
Portfolio Management, Project Management, Leadership, Research, Mortgage Lending, Loans, Loan Origination, Mortgage Banking, Customer Service, Mortgage Servicing, Credit, Consumer Lending, FHA, Risk Management, Credit Analysis, Underwriting, Loan Servicing, Loss Mitigation, Refinance, Title Insurance, Residential Mortgages, Mortgage Underwriting, Funding, Investment Properties, Banking, Title Defects, Quiet Title Actions, Title Curative, Organizational..., Mortgage Fraud
Education
Los Angeles Pierce College 1995 — 1998
AA, Liberal Arts and Sciences, General Studies and Humanities
Southern New Hampshire University
Bachelor's degree, Operations and Project Management
Marin General Hospital February 2011 - February 2015
Radiant Research Santa Rosa April 2009 - March 2011
Marin Council BSA September 2007 - August 2008
Marin Council BSA June 2007 - August 2007
Residential Mortgage Capital November 2006 - June 2007
Terra Linda Roast Haus September 2006 - November 2006
Marin Council BSA June 2006 - August 2006
Belhaven University Business Office October 2005 - May 2006
Jo-Ann Fabrics March 2004 - July 2004
Marin Council BSA April 1997 - April 2004
Skills
Customer Service, Laboratory, Direct Patient Care, Phlebotomy, Microsoft Office, Data Entry, Outlook, Clinical Trials, Pharmaceutical Industry, Leadership, Team Building, Public Speaking, Microsoft Excel, Team Leadership
Education
Belhaven University 2004 — 2006
Bachelor of Fine Arts (B.F.A.), Creative Writing
Santa Rosa Junior College
Certificate, Certified Phlebotomy Technician
Santa Rosa Junior College 2002 — 2004
AA, AS, General Studies
Novato High School 1998 — 2002
High School Diploma
Terra Mortgage Banking October 2014 - Present
Marin Magazine, LLC January 2012 - October 2014
Emporio Rulli August 2008 - June 2012
Residential Mortgage Capital May 2004 - May 2008
Skills
Social Media, Social Media Marketing, Digital Media, New Business Development, Sales, Online Advertising, Advertising, Email Marketing, Marketing, Digital Marketing, Digital Strategy
Education
CSU Chico 1995 — 1999
Political Science and Government
California State University-Chico
Vianet Americas September 2012 - December 2013
TapDynamics February 2012 - September 2012
TapDynamics February 2011 - January 2012
TapDynamics April 2009 - February 2011
Jobscience, Inc November 2007 - January 2008
Residential Mortgage Capital May 2005 - June 2007
Dragonfly Bar & Grill November 2004 - April 2005
Phoenix American Financial Services February 2004 - November 2004
Hotel Lucia July 2002 - December 2003
Design Hotels Inc June 2000 - October 2001
Skills
Cross-functional Team..., CRM, Strategy, Salesforce.com, Sales, Sales Operations, Leadership, Management, Customer Service, Start-ups, Analysis, Forecasting, Operations Management, Marketing, Microsoft Excel, Business Development, Team Leadership, Budgets, Training, Team Building, Process Improvement, Strategic Partnerships, Product Management, Cloud Computing, Human Resources, New Business Development, Analytics, Strategic Planning, Account Management, Business Process, Data Analysis, Project Management, Sales Management, P&L Management, Business Planning, Inventory Management, Hotels, Social Media, Market Planning, Product Development, SaaS, Business Strategy, Project Planning, Supply Chain Management, Time Management, Customer Success, Requirements Analysis
Education
Baylor University - Hankamer School of Business 2012 — 2014
Master of Business Administration (M.B.A.), 3.70
University of California, Santa Cruz 1996 — 1998
B.A, Modern Literature, 3.45
Alarm Financial Services, Inc. September 2009 - Present
Plath and Company, Inc. December 2007 - September 2009
Paul Financial December 2003 - August 2007
Residential Mortgage Capital March 2001 - May 2003
North American Mortgage March 1998 - January 2000
Skills
Customer Service, Administrative..., Microsoft Office, Microsoft Excel, Data Entry, Outlook, Teamwork, Strategic Planning, Research
Education
College of Marin 2015 — 2017
Business
Pac-12 Networks September 2013 - Present
Pac-12 Networks May 2012 - September 2013
ClearSlide, Inc. November 2011 - May 2012
Google January 2011 - November 2011
Kaiser Permanente HealthConnect September 2007 - November 2010
Vertice / Wachovia August 2006 - September 2007
Residential Mortgage Capital February 2002 - August 2006
CastleRock Technology 1995 - 2000
Skills
Contract Recruitment, Technical Recruiting, Staffing Services, Staffing Industry, Direct Sourcing, Recruitment/Retention, Sales Recruitment, Direct Recruiting, Recruiting, Sourcing, Applicant Tracking..., Start-ups, Leadership, Talent Management, Employer Branding, CRM, College Recruiting, Industrial Sector, Talent Acquisition, Account Management, Interviews, HRIS, Benefits Negotiation, Internet Recruiting, Cold Calling, Executive Search, Job Fairs, Product Management, Time Management, SDLC, Temporary Staffing, Human Resources, Hiring, Candidate Generation, Screening, Resume Writing, Onboarding, Taleo, Search, Temporary Placement, Job Descriptions, Recruitment Advertising, Screening Resumes, Employee Relations, Employee Engagement, Program Management, Sales, Permanent Placement, Boolean Searching, Advertising
Education
San Diego State University-California State University
B.A., Psychology
Aflac 2008 - Present
Residential Mortgage Capital 2006 - 2008
A Plus Systems 1981 - 2004
Skills
Disability Insurance, Term Life Insurance, Employee Benefits, Whole Life, Life Insurance, Property & Casualty..., Critical Illness, Health Insurance, Insurance, Underwriting, Accident, Fixed Annuities, Universal Life, Health Savings Accounts, Long-term Care, Team Building, Strategic Planning, Management, Sales, New Business Development
Education
California State University-Fullerton
EA November 2008 - February 2009
ECC August 2007 - August 2008
Kaiser Permanente December 2006 - August 2007
Residential Mortgage Capital October 2001 - October 2003
WaferScale Integration January 1988 - November 2000
Monolithic Memories Inc. 1976 - 1986
Education
University of Phoenix 1996 — 2000
Bachelor of Science, Global Business Management
Gazzoli Construction September 2008 - Present
Guarantee Mortgage, Real Estate Broker, CA DRE Lic. #01370741 NMLS #2527 May 2007 - February 2014
Pacific Capital Mortgage December 2005 - May 2007
North Coast Mortgage May 2005 - December 2005
Residential Mortgage Capital April 2002 - May 2005
Skills
FHA, Loans, Investment Properties, Refinance, Mortgage Banking, Loan Origination, Mortgage Lending, FHA financing, Residential Mortgages, Finance, First Time Home Buyers, Real Estate Financing, Real Estate Economics, Real Estate, Credit, Commercial Lending, Commercial Real Estate, VA loans, Commercial Mortgages, Marketing Management, Managerial, Residential Homes, REO, Management, Single Family Homes
Education
Anthony School of Real Estate 2005 — 2005
Real Estate Finance
College of Marin 1996 — 1998
Business Management
Sir Francis Drake High 1991 — 1995
SCP Auctions July 2013 - Present
Upper Deck January 2012 - July 2013
Upper Deck November 2010 - January 2012
Boise Hawks Baseball Club December 2009 - November 2010
Major League Soccer (Soccer United Marketing) May 2008 - December 2009
Yardbarker, Inc.(acquired by FOX) May 2007 - September 2008
Wells Fargo 2004 - 2007
Europa Centro de Lenguas 2003 - 2004
Residential Mortgage Capital 2002 - 2003
Skills
Sports Marketing, Sports, Blogging, Marketing, Sports Management, Sponsorship, Account Management, Production Managment, Social Media Marketing, Event Planning, Strategic Partnerships, Product Development, Management, Trade Shows, Negotiation, Social Media, Integrated Marketing, Creative Direction, Forecasting, Entertainment, Event Management, Sales, Sponsorship Activation, Time Management, Budgets, Marketing Strategy, Advertising, Marketing Communications, Public Relations, Online Marketing, Email Marketing, Ticket Sales, Online Advertising, Facebook, Brand Development, Media Relations, Brand Management, Social Networking, Relationship Marketing, Retail, Sponsorship Sales, Digital Marketing, Sales Operations, Digital Media, Market Research, Press Releases, Brand Awareness, Marketing Management, Direct Marketing, Product Marketing
Education
San Diego State University-California State University 2007 — 2009
MBA, Sports Business Management
Duke University 1998 — 2002
B.A. Sociology, Spanish Minor, Markets and Management Certificate
St. Ignatius College Preparatory 1994 — 1998
Touro University - CA September 2007 - Present
Residential Mortgage Capital November 2004 - August 2007
Mumm Napa Valley April 2002 - November 2003
Education
University of California, Davis 1996 — 2001
National Mortgage Insurance Corporation - "National MI" July 2014 - Present
California Mortgage Advisors September 2012 - January 2014
PMI Mortgage Insurance Co. September 2008 - September 2012
First California Mortgage Company December 2007 - August 2008
Residential Pacific Mortgage March 2007 - August 2007
Paul Financial October 2004 - March 2007
Countrywide Home Loans March 2002 - October 2004
Residential Mortgage Capital November 2001 - March 2002
Headlands Mortgage 1998 - 2001
Skills
Underwriting, Computer Literate, Risk Assessment, Compliance, Mortgage Banking, Mortgage, Credit, Mortgage Underwriting, Credit Analysis, Credit Risk, Mortgage Industry, Mortgage Lending, Completed FHA/VA Direct..., Mortgage Servicing, Loss Mitigation, Risk Management, Fraud, Loan Origination, Default, Financial Risk, Refinance, Consumer Lending, Mortgage Insurance, Residential Mortgages, Insurance, Loans, Loan Servicing, Government Loans, FHA financing, Banking, FHA
Education
Sonoma State University 1986 — 1992
BA
San Rafael High School 1981 — 1985
Graduate, General Studies
San Diego Association of REALTORS (SDAR) January 2011 - Present
Residential Mortgage Capital March 2007 - April 2009
Homecomings Financial 2004 - 2007
Chrysler Financial January 2002 - September 2003
Skills
Real Estate, Customer Service, Loss Mitigation, Default, Negotiation, Risk Management, Asset Management, Microsoft Excel, Foreclosures, Microsoft Office, Mortgage Servicing, Portfolio Management, Process Improvement, Short Sales, Financial Analysis, Public Speaking, Loans, Loan Modifications, Management
Education
University of San Diego 2010 — 2010
Paralegal Certificate, Law
San Diego State University-California State University 1998 — 2001
B.A, Geography, History
Grossmont College 1994 — 1997
A.S., International Business
First Republic Bank April 2008 - Present
Residential Mortgage Capital July 2006 - November 2007
Paul financial 2004 - 2006
Paul Fiancial LLC 2004 - 2006
GreenPoint Mortgage 1994 - 2003
Education
College of Marin
Stearns Lending April 2014 - Present
First Priority Financial April 2012 - July 2013
California Mortgage Advisors November 2011 - April 2012
First California Mortgage Company January 2010 - November 2011
National City Mortgage/PNC February 2009 - December 2009
Wachovia/World Mortgage Company September 2008 - February 2009
Mortgage Guaranty Insurance Corporation February 2008 - August 2008
Residential Mortgage Capital February 2004 - July 2007
National City Mortgage October 2001 - February 2004
GreenPoint Mortgage 1997 - 2001
Skills
Mortgage Banking, Mortgage Underwriting, Refinance, FHA, Underwriting, Credit Analysis, USDA, Certified Mortgage..., Loan Origination, Mortgage Lending, Financial Services, Finance, Sales, VA loans, Loan Servicing, Residential Mortgages, Loans, FHA financing, Credit, FNMA, Banking, Government Loans, FHLMC, Loss Mitigation, Reverse Mortgages, Real Estate Financing, Mortgage Servicing, Commercial Mortgages, Consumer Lending, VA Loans
Education
FHA Training 2004 — 2013
CHUMS/SAR, FHA/VA
FHA 2008 — 2008
Updated FHA Training
Pierce College 1978 — 1981
AA, General
ODonnell Financial Group January 1987 - Present
KSFO / KGO 2008 - Present
ODonnell Financial Group 1987 - Present
Circle Bank April 2011 - December 2012
Residential Mortgage Capital 1998 - 2007
Skills
Investment Properties, Finance, Real Estate, Strategic Financial..., Investments, Mortgage Lending, Strategy, Portfolio Management, Banking, Wealth Management, Estate Planning, FHA, Real Estate Transactions, Sales, Retirement, Credit, Loans, Real Estate Financing, Investment Strategies, Wealth, Selling, Financial Advisory, Tax, Refinance, Retirement Planning, Social Media, Marketing, First Time Home Buyers, New Business Development, Customer Service, Life Insurance, Investors, IRAs, Microsoft Office, Underwriting
Education
University of California, Berkeley
Marin Catholic High School 1977 — 1981
High School
First California Mortgage Company March 2015 - Present
Hudson Street Design of Marin December 2013 - Present
Colliers International October 2007 - June 2013
Madison Marquette October 2007 - May 2011
Residential Mortgage Capital December 2006 - August 2007
Paul Financial, LLC 2004 - 2006
GreenPoint Mortgage/Capital One 1999 - 2004
GreenPoint Mortgage 1998 - 2003
Skills
Administrative..., Banking, Customer Service, Investment Properties, Leadership, Loan Origination, Management, Microsoft Excel, Microsoft Office, Mortgage Banking, Real Estate
Education
College of Marin
Central California Alliance for Health May 2013 - Present
Central California Alliance for Health August 2011 - Present
Residential Mortgage Capital 2002 - 2007
Skills
Customer Service, Office Administration, Databases
Education
California Polytechnic State University-San Luis Obispo 1987 — 1991
Bachelor of Scienc
Travis Credit Union December 2013 - Present
One Hour Heating & Air Conditioning, LLC July 2013 - December 2013
U.S. Bank July 2012 - July 2013
Wells Fargo Bank March 2011 - July 2012
WELLS FARGO BANK November 2009 - March 2011
Allied Mechanical November 2007 - November 2009
Residential Mortgage Capital, June 2005 - June 2007
Education
Computer Learning Center 1999 — 2000
Network Technology Certificate, Computer Hardware
Santa Rosa Junior College 1990 — 1993
Accounting
Bankers Alliance April 2008 - Present
Residential Mortgage Capital January 2005 - August 2007
GreenPoint Mortgage August 2002 - December 2004
Education
Los Angeles Pierce College 1995 — 1998
Realty World March 2010 - December 2010
Arrow Sign Company June 2007 - June 2009
Bakers Square July 2007 - May 2009
Residential Mortgage Capital October 2005 - February 2007
Inheritance Funding Company January 1999 - August 2005
Education
san leandro high school 1970 — 1976
2010 Regional Technical Training Center, Laney College
California State
Chabot College
Associate of Arts, Liberal Arts
The Argonaut Hotel (A Kimpton Group Hotel) Inside Sales / Account ManagerJobscienceNovember 2007 - January 2008
Residential Mortgage Capital May 2005 - June 2007
Dragonfly Bar & Grill November 2004 - April 2005
Phoenix American Financial Services February 2004 - November 2004
Hotel Lucia July 2002 - December 2003
design hotels June 2000 - October 2001
Casa Madrona Hotel 1998 - 2000
Education
University of California, Santa Cruz 1996 — 1998
BA, Literture
CalHFA February 2014 - Present
CalHFA January 2008 - February 2014
Home 123 February 2003 - April 2007
Residential Mortgage Capital October 2001 - February 2003
Countrywide Home Loans November 2000 - October 2001
Nationsbanc 1993 - 1998
Nationsbanc 1993 - 1998
Nationsbanc Mortgage 1993 - 1998
Skills
Mortgage, Underwriting, Loans, Customer Service, Customer Relations, Operations Management, Conventional, Mortgage Lending, Excel, PowerPoint, Word, Credit, Compliance, Mortgage Banking, VA loans, Microsoft Excel, Microsoft Word, Mortgage Underwriting, Residential Mortgages, Loan Origination, USDA, Refinance, Finance, Banking, Real Estate Financing, FHA financing, FHA, Portfolio Management, Funding, Investment Properties, Real Estate, Risk Management, First Time Home Buyers, Sales Operations, Financial Analysis, Loan Servicing, Investments, Mortgage Servicing, FHA Financing, Management
Education
Modesto Junior College
Associate of Arts (AA), Art/Art Studies, General
Thomas Downey High School
Rack&Riddle Custom Wine Services October 2013 - Present
Rack&Riddle Custom Wine Services January 2009 - October 2013
Residential Mortgage Capital June 2002 - January 2008
Greenpoint Financial formally Headlands Mortgage Company October 1997 - May 2002
Skills
Wine, Wine Tasting, Winemaking, Wineries, Marketing, Brand Management, Beer, Alcoholic Beverages, Beverage Industry, Sales, Business Development, Management, Brand Development
Education
Saint Mary's College of California 1984 — 1988
BS, Business Administration, Finance
Marin Catholic
Great Domains & Estates June 2014 - Present
IDEX Corporation November 2013 - June 2014
Demello, McAuley, McReynolds & Holland LLP November 2010 - May 2013
Costello & Sons Insurance Brokers October 2009 - October 2010
Juice Beauty, Inc. June 2009 - October 2009
Residential Mortgage Capital April 2007 - August 2007
Residential Mortgage Capital November 2005 - April 2007
Residential Mortgage Capital January 2005 - November 2005
Skills
Accounting, QuickBooks, Customer Service, Accounts Payable, Lacerte, Microsoft Excel, Outlook, Microsoft Word, Tax, Auditing, Payroll, Peachtree
Education
Dominican University of California 2009 — 2009
Accounting
College of Marin 2008 — 2008
Business and Accounting
University of California, Davis 1995 — 2000
Bachelor of Science (BS), Plant Biology
Sutter Pacific Medical Foundation August 2012 - Present
California Pacific Medical Center August 2007 - August 2012
Residential Mortgage Capital June 2004 - May 2007
North Coast Mortgage October 2000 - May 2004
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint, Customer Service, Research, Photoshop, English, Outlook, Windows, Teaching, Budgets, C, Public Speaking
Education
San Francisco State University 1998 — 2000
Bachelor of Arts (B.A.), Parks, Recreation and Leisure Studies
CSU Chico 1995 — 1997