DOUGLAS M. BIBBY is President with lead responsibility for general management of the National Multi Housing Council. Doug has extensive senior management experience in human and organizational development, strategic planning, product development and media/investor relations. He spent approximately 16 years (from 1983 to 1999) with Fannie Mae in a progression of senior management jobs, including Assistant to the Chairman/CEO; Chief Administrative Officer; Senior Vice President, Communications; and Senior Vice President, Human Resources and Training. Most recently, Doug was President of Ardsley Consulting, LLC, a management and organizational consulting firm in Bethesda, MD. Prior to that he was Managing Partner of The Financial Group, LLC, a small investment banking firm engaged in mergers and acquisition work and capital financing for small companies. He also spent 12 years with J. Walter Thompson Company, a global communications and advertising firm, eventually heading its Washington, D.C. office. Doug holds a Bachelor of Arts degree from Denison University in Granville, OH and a Masters of Business Administration from the University of Texas in Austin.

CLARINE NARDI RIDDLE is Senior Vice President and General Counsel with principal responsibility for planning and implementing strategy for all legislative and regulatory issues of interest to the National Multi Housing Council and National Apartment Association Joint Legislative Program and for providing products for the business issues of interest to the National Multi Housing Council. Prior to her present position, Clarine was a Judge of the Connecticut Superior Court, the state's trial court of general jurisdiction, presiding over cases involving housing matters. She served as Attorney General of the State of Connecticut, where she managed an office of over 175 lawyers and 111 support staff, with an annual caseload of over 20,000 cases in the state and federal courts. The Connecticut Office of the Attorney General provides legal representation for all state agencies, including the departments of housing, environmental protection, revenue services, and elderly services. She has also served as Staff Assistant to U.S. Senator Joseph I. Lieberman and as his Deputy and Counsel when he was Attorney General of Connecticut. In the early 1980s she served as the Deputy Corporation Counsel of the City of New Haven, Connecticut, where, among other duties, she drafted a major reorganization of the City's development administration. Earlier in her legal career, Clarine served as counsel for the House Ways and Means and Senate Finance Committees of the Indiana General Assembly and drafted major codifications of the state's zoning, education, teachers' retirement, and school finance laws. She has received numerous awards and honors and holds a Bachelor of Arts degree in Mathematics, a Juris Doctorate degree from Indiana University-Bloomington, and a Doctor of Humane Letters from Saint Joseph College.

JAMES N. ARBURY is Vice President of Tax with principal responsibility for federal tax issues and federal and state telecommunications regulation. A member of the U.S. Senate staff for 13 years, Jim served as Administrative Assistant to U.S. Senator Donald W. Riegle, Jr., former Chairman of the Senate Committee on Banking, Housing, and Urban Affairs and member of the Senate Finance Committee. Jim subsequently served as Senior Policy Advisor to the U.S. Senator with special emphasis on tax issues. Prior to his work on Capitol Hill, he held various financial management positions in private industry with Ernst & Young, Chrysler Corporation, Accuray Corp., Brand-Rex Wire & Cable, and Ensign-Bickford Company. He has a Bachelor of Arts degree from Michigan State University, a Masters of Business Administration degree from the Harvard Graduate School of Business Administration, and is a Certified Public Accountant.

DAVID B. CARDWELL is Vice President of Finance and Technology with principal responsibility for multifamily housing, finance and technology issues. Before joining the Joint Legislative Staff, he was Senior Manager for Product Development at Freddie Mac, where he developed and implemented new multifamily mortgage products. Other positions at Freddie Mac include Manager of Loan Production and Product Development and Manager of the Community Development Investment Group. Prior to joining Freddie Mac, Cardwell served in the Office of Affordable Housing Programs at the U.S. Department of Housing and Urban Development, as Director of Business and Redevelopment Activities for Trammell Crow Residential, and as Economic Development Director for the city of Falls Church, VA. He holds a Masters degree in City and Regional Planning from the University of Virginia and a Bachelor of Arts degree from the University of Maryland.

KIMBERLY D. DUTY is Vice President of Communications with lead responsibility for media relations, and planning and implementing communications strategies, publications and Internet services. Prior to joining NMHC, Kim served as Assistant Director of the National Association of Home Builders' Multifamily Council where she managed the Council's legislative and regulatory issues and directed the group's communications and public relations program. Before her tenure at NAHB, Kim served as Director of Membership for a local chamber of commerce, and she spent 18 months in Berlin, Germany, at the Berlin Public Affairs Office. She holds a Bachelor of Arts degree (Phi Beta Kappa) from The College of William and Mary and a Masters in Public Policy from Georgetown University.

SUSAN GUTHRIE is Vice President of Operations with principal responsibility for NMHC'S internal operations. Susan has over 20 years of management experience in residential lending, servicing and building customer relationships. Prior to joining NMHC, she was Vice President of the Multifamily Division at the National Association of Home Builders. Prior to joining Home Builders, she was Vice President of the Housing and Community Development Consulting Group of ICF Kaiser and prior to that Director of Multifamily Customer Relations at Freddie Mac. Susan attended Brevard College, Brevard, North Carolina; University of Delaware, Newark, Delaware; and George Mason University, Fairfax, Virginia.

JAMES (JAY) HARRIS is Vice President of Property Management with principal responsibility for fair housing, bankruptcy, credit reporting, debt collection, and other property management issues. Prior to joining NMHC, Jay was the Director of the National Association of Home Builders' (NAHB) Housing Credit Group. Before his tenure at NAHB, Jay served as a Legislative and Regulatory Representative for America's Community Bankers (ACB), during which time he also served as the Director of ACB'S political action committee. A member of the Virginia State Bar, Jay holds a Bachelor of Arts degree from The Johns Hopkins University and a Juris Doctorate degree from George Mason University School of Law. Mr. Harris is Contributing Editor for Apartment Finance Today.

EILEEN C. LEE, PH.D., is Vice President of Environment with principal responsibility for environmental issues. During her eight-year tenure working with Congress, Eileen served as Staff Director of the Environment Subcommittee of the Committee on Science, Space, and Technology of the U.S. House of Representatives. This Subcommittee had legislative and oversight authority for the research and development portfolios of the U.S. Environmental Protection Agency, the U.S. Department of Energy and the U.S. Department of Commerce. Eileen came to Capitol Hill as a Congressional Science Fellow after completing her fellowship in vaccine development for the National Research Council. She holds Bachelor of Science and Masters of Science degrees from Villanova University and received her Ph.D. in microbiology from The Catholic University of America.

RONALD G. NICKSON is Vice President of Building Codes with principal responsibility for representing multifamily housing in the model building code process. For over 20 years, Ron has worked extensively with each of the model building code organizations. He has served on several technical standards writing committees and the Virginia State Technical Review Board. Previously, Ron was Director of the Energy and Home Environment Department at the National Association of Home Builders and was a residential builder in Northern Virginia. Ron has a Bachelor of Science degree from Colorado State University.