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Showing 1 to 50 of 58 job(s).

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NEW!

Director & Actuary, Model Validation;   FSA or ASA to lead the validation of certain critical models by reviewing model assumptions, data sources, mathematical formulas, processes, and business applications.  Should have 3+ years of direct experience in building and improving models (in SAS, MATLAB, Polysystems, ALFA, AXIS, etc.), and knowledge of Valuation, Projections, Experience and Pricing actuarial processes. Southeast Region.


Job Number 6306  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

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Actuarial Specialist.  Our client is looking for an actuary to join a growing and fast-paced actuarial environment.  Team members are expected to assist on various tasks, including pricing, reserving, experience study, reporting, and many others. Candidates must have 2-4 years of actuarial experience, excellent technical and communication skills, and must be progressing through the preliminary exams.  Eastern Region.


Job Number 6303  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

NEW!

Consulting Opportunity.  Top firm seeks Manager level for Life practice.  FSA is preferred.  Will get to work on a variety of assignments which may include financial reporting, modernization, GGY-AXIS modeling, audit, predicative analytics, etc.  Midwest or Eastern Regions.  Competitive Compensation.


Job Number 6302  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

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FSA, Financial Actuary.  Seeking an actuary with 5 years’ experience to support the corporate actuarial function located in the company’s enterprise risk management (ERM) area.  Knowledge in life insurance and annuity product, statutory and GAAP valuation in required. Southwest Region.


Job Number 6297  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

NEW!

Life and Annuity Valuation Actuary:  FSA or ASA to support the Actuarial Financial Reporting department through valuation of life and non-fixed indexed annuities lines of business for GAAP, Statutory and tax reporting.  Working knowledge of deferred annuities, immediate annuities or life insurance, and Polysystems experience all a plus.  Midwest Region.


Job Number 6296  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

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AVP & Actuary, Statutory Reporting:  FSA to support statutory asset adequacy analysis and work closely with the Appointed Actuary.  Should have 5+ years of experience of financial reporting and valuation systems experience, and 3+ years of cash flow testing and modeling systems experience.  Southeast Region.


Job Number 6288  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

NEW!

New or Near ASA, Actuarial Development program.  Seeking someone with at least 3+ exams and 3 – 5 years of Actuarial experience for this well-known Fortune 500 company.  The ideal candidate will have Individual Life and/or LTD, STD experience.  The incumbent will be able to explore their unique interests while developing the essential actuarial, technical, management, communication and leadership skills needed to succeed in the profession.  Will receive ample study time per exam sitting.  Northeast Region, Eastern Region, Southeast Region and Midwest Regions. 


Job Number 6285  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

NEW!

AVP, Financial Solutions.  Seeking a confident FSA with 5 – 10 years of experience at a high level within an insurance/reinsurance organization who can lead deal models and provide direction.  Experience in building/reviewing deal models for XXX/AXXX reserve financing transactions and constructing/executing complex reinsurance and capital market solutions are essential skills for this role.  Client facing traits are necessary.  Eastern or Southeastern Regions.  Salary:  $160,000 - $190,000 plus bonuses.


Job Number 6276  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

NEW!

Experienced ERM Professional.  Our client is searchng for a risk manangement professional to lead a team designed to manage model and data needs across the enterprise.  This role will be a key resource in tool development, process improvement, and model validation as needed for various teams, and requires a strong actuarial and technical background.  Candidates with 15+ years of actuarial work experience and technical skill in actuarial software will be preferred.  Southern Region.


Job Number 6275  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

NEW!

AVP Capital Management: FSA or ASA to be responsible for identifying opportunities to improve the organization’s capital position, coordinating and implementing capital initiatives.   Knowledge of both life and annuity products, with indexed product experience a plus.  Experience with reinsurance, M&A, and/or capital markets transaction (e.g. securitizations or other financing), embedded value calculations, and economic capital; and understanding the tax impacts of these. CFA a plus.  Northeast Region


Job Number 6273  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Technical Modeling Actuaries.  Our client is looking for actuarial talent to assist in the transformation process for their modeling and post-modeling/reporting efforts.  They want someone who can hit the ground running with minimal supervision who understands the data and can create solutions that move models and reporting out of excel and legacy systems into more reliable outputs.  Solid interpersonal and communication skills are essential in order to foster good working relationships with business partners as needed to gather required data and analyses.  Software skills include MS Office, Excel and VBA.  Some other preferred skills include Access, SQL, knowledge of TM1, Python or Perl.  Southeast Region.  Salary open.


Job Number 6270  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Model Risk Manager:  Leader to help automate manual processes in support of model owners, assist with building model checks and controls,  help develop, update, and maintain the firm’s model governance and model validation practices.   Experience with actuarial valuation / projection software is required, ALFA a plus.  Experience with variable annuity, fixed annuity and life product lines is preferred.  Should have strong understanding of US GAAP and Statutory valuation frameworks.  Multiple Regions:   Midwest, International and Northeast.


Job Number 6268  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

ASA or FSA, Product Actuary.  Seeking an actuary to provide subject matter expertise and direction on complex projects/initiatives focused on modeling and repricing in the inforce life insurance product line.  5-7 years of experience with the specific responsibilities, preferably involving life insurance product design, valuation, and/or management.  Southeast Region.


Job Number 6265  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Valuation, Integration Production Actuary.  Seeking someone with a strong financial reporting and reinsurance background who will join a team responsible for the design and implementation of an efficient and effective integrated production across all valuations for the company.  The ideal candidate will have experience with GAAP and STAT, with a good understanding of at least one of the economic valuation frameworks such as EVM, Solvency II or IFRS.   The candidate should have proven ability to develop simple and robust solutions for complex problem areas.  Eastern Region. 


Job Number 6264  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Financial Actuary.  Our client is searching for an ASA or new FSA to assist in their financial reporting and forecasting function for their innovative insurance products. Candidates with 5+ years of experience in valuation or forecasting with strong technical skill in Excel, Visual Basic, and SQL, as well as good communication skills will be considered.  This role is open to actuaries with reserving experience in either life or health insurance.  Southern Region.


Job Number 6263  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Innovative Actuary, ASA or New-FSA.  Top company seeks innovative actuary to provide subject matter expertise and direction on complex projects/initiatives for developing and implementing solutions to enhance the relationship between our client and their inforce policyholders.  Must have excellent communication skills, will be working closely with other departments including distribution and marketing. 5-7+ years of Life Actuarial Experience.  Knowledge of GAAP, STAT and ALFA modeling preferred, but not required. Northeast or Southeast Regions.


Job Number 6261  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Audit Leader:  Subject Matter Expert to be responsible for audits related to financial reporting, financial operations and financial risk, (e.g. credit, insurance and market risk, economic capital, actuarial concepts, hedging and asset-liability management).   Ideally, will have 5+ years of related audit (internal and/or external), risk management, compliance or business experience.  Supervisory/leadership experience required.  Midwest, Southwest, Southeast Regions.


Job Number 6254  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Asset Modeling, ASA or New-FSA.  International firm seeks an ASA with Asset Modeling experience to join their American holding company.  Ideal candidate will have 5 years of actuarial experience with a minimum of 2 years in Asset Modeling. Experience in various asset/liability modeling applications preferred.  Must have GGY-AXIS work experience (datalink coding highly desired).  Eastern Region.  


Job Number 6249  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

FSA, Financial Actuary.  Seeking an actuary to become a member of the annuity valuation team acting independently under consultative direction.  This role will complete quarterly valuation requirements and build out an AXIS valuation platform for the company’s variable annuity products.  Southwest Region.    


Job Number 6248  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Pre – ASA/ASA, Financial Reporting.  Seeking a candidate with 2+ years Actuarial experience, preferably in Life Insurance.  Experience and proficiency in MS Office, spreadsheet and database applications is essential. In addition, the candidate should have excellent written/verbal communication skills and the ability to handle multiple deadlines.  Position is due to growth within the organization.  Midwest Region. 


Job Number 6247  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

ASA/FSA Valuation Manager.  Actuaries with experience in the reporting cycle are needed for a management role with a top life insurer.  The ideal candidate will have experience in financial reporting for fixed annuity lines of business.  Candidates with a strong technical background and experience in Polysystems or Triton will be preferred.  Previous management experience is not required in order to be considered!  Midwest Region.


Job Number 6244  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Appointed Actuary.  Seeking a qualified ASA/FSA, MAAA, with a minimum of 8 years of relevant experience in CFT, Financial Reporting (especially Statutory Reporting) and Blue Book experience for the LTC business.  The incumbent must have at least 3 years of leadership experience managing a team and must be able to communicate effectively both orally and in writing.  LTC is highly preferred, but someone with experience in DI or Critical Illness would be good too.  Experience with GGY AXIS or MG ALFA actuarial software is ideal.  Southern Region. 


Job Number 6235  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

ASA, Valuation.  Seeking someone with a least 3 years actuarial experience in life insurance/reinsurance valuation and/or financial reporting (GAAP, Statutory, and Tax).  Will work on the financial forecasting infrastructure and analytic foundation by maintaining actuarial assumptions, modeling, reporting, economic capital refinement, embedded value calculation, capital planning and cash flow testing.  Strong technical skills are essential so must have solid PC skills and knowledge of an actuarial software such as Prophet, MoSes, TAS, AXIS or equivalent.  Midwest Region. 


Job Number 6228  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

ASA, Risk Actuary.  The risk management assistant will provide actuarial support to the life insurance division.  Working independently and in partnership with various teams to develop data-driven risk/reward evaluations and provide actuarial support to risk management activities consistent with the risk management framework.  3+ years of actuarial experience, preferably in life insurance.  Southwest Region.  


Job Number 6226  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

ALFA Modeling.  ASA or FSA with ALFA experience needed to do the modeling of Variable Annuities for the purpose of valuation reporting and projections.  The nature of this role will provide opportunities to enhance one’s technical and leadership skills.  Individuals can expect to become well-versed in variable annuity products with guarantees, the ALFA modeling software, the change management process and the various bases of financial reporting that utilize the ALFA models.  Midwest Region.


Job Number 6223  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Life Consultant, Director. Top consulting firm which provides audit, tax and advisory services is looking to hire an FSA to join their growing practice.  Ideal candidate will have 7+ years of actuarial experience. Actuarial modeling is preferred. Must have a strong understanding of life insurance products.  Eastern, Northeast, Southeast, or Midwest Regions.  Salary: Highly competitive plus bonus.  


Job Number 6221  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

VP Risk Management:  FSA to be responsible for asset-liability management, with primary focus on the global Asset Intensive line of business.   Will lead asset-liability management efforts and facilitates ALM discussions across the business.  Leads team developing and reviewing financial performance and projections across all Asset Intensive business.  Will develop and recommend risk mitigating strategies in a partnership with Investment Management.  Midwest Region.  Competitive compensation.


Job Number 6218  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Annuity/Life Pricing and Modeling.  Our client is seeking two new or near FSAs, with 5 to 10 years of total actuarial work experience.  The ideal candidates will have Annuity/Life pricing experience or modeling experience to build PBR into their pricing models.  Prophet and PBR experience would be very helpful but it’s not required.  The candidate should have solid technical skills, as well as strong communication skills.  Eastern Region.  Salary:  Competitive.


Job Number 6215  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

VP, ALM & Hedging Risk Management.  Excellent opportunity to join a dynamic Risk group to manage daily hedging activities that cover hedging of variable annuities, fixed index annuities, index universal life products, and other macro risk-mitigating strategies related to GAAP, statutory and economic balance sheets.  Will take over the day to day operations of the daily hedging; including analysis of the python code.  Must be hands-on with excellent communication skills.  Eastern Region.  Salary: Highly competitive base plus large bonus.  


Job Number 6196  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

AXIS Modeling, Pre-ASA to ASA.  The incumbent will assist with the pricing, valuation, projections and development of insurance products for this well-known consulting firm.   Ideal experience should include developing AXIS actuarial models and knowledge of various insurance products such as variable and fixed annuities, universal life and term.  Must be able to train others on AXIS and have knowledge of multiple modules within AXIS.  Actuarial exam support is provided.  Northeast, Eastern, Southeast, Midwest Regions.  Salary:  Competitive compensation package based on exam progress and years of experience.


Job Number 6195  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

R&D Annuity Actuary:  FSA with either Fixed Indexed or Equity Indexed Annuity experience to support the Financial Reporting department through research and development in order to create long-term value.  This may include the development of educational tools to aid in executive management’s decision-making; research of regulatory pronouncements including FASB standards and statutory regulations, research and development of various valuation methodologies and collaboration to enhance various analytics including sensitivities, rules of thumb and the sources of earnings presentation.  Midwest Region. Competitive salary and bonus.


Job Number 6193  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Managing Forecasting Actuary.  Seeking an FSA to lead the actuarial modeling efforts to support financial plan, value of new business and new business profitability analysis.  The incumbent must have knowledge of Life modeling and projection experience, with strong knowledge of an actuarial software program (ALFA or Prophet is ideal).   Experience with simplified underwriting and direct market life insurance is beneficial.  Strong management skills are key.  Southeast Region.  Salary is commensurate with experience.  


Job Number 6191  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Model Development Actuary.  The client is looking for a well-qualified FSA to build models to assist in corporate planning for pension risk transfer and life products.  The ideal candidate will need to be able to communicate and implement model requirements to all stakeholders.  10+ years of applicable experience with extensive GGY AXIS experience is required.  Eastern Region.


Job Number 6183  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

A&H Actuary.  FSA needed with prior experience with Accident and Health reserve valuations for Statutory, GAAP and Tax.  In addition, must have experience with Claim Reserves for Group Long Term Disability.  Some management and leadership experience required.  Will report to the Appointed Actuary.  Southern Region.


Job Number 6178  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

AVP, Pricing Inforce Actuary.  Seeing an FSA to lead a small team dedicated to modeling and repricing inforce blocks of life insurance business.  This person will need to engage complex factors such as regulation, legal considerations, actuarial and financial implications, external messaging implications, and operational capabilities, in an effort to strike an appropriate balance between customer and shareholder equity.  Very visible role.  10+ Years of actuarial experience.  Southeast Region.  Salary:  $145,000-$175,000, plus bonus.    


Job Number 6174  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Solvency II / ERM.  Opportunity to join an International firm and oversee the development of the corporate ERM Solvency regulatory framework, to determine the required data and process needs and to ensure the firm is able to operate and provide evidence of compliance when required by the regulatory bodies with which our client is registered.  This is a relationship oversight role and will manage the Solvency II framework around the world.  Ideal candidate will have 5+ years’ experience working in a regulated financial institution.  2 years working with Solvency 2 or on ORSA is preferred.  Eastern, Southeast, or Midwest Region.  Salary:  Competitive plus bonus.


Job Number 6165  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Model Validation Actuary.  Seeking an actuary to lead the validation of certain critical models.  Provide independent assessment of certain critical models (within USLI and Corporate areas) by reviewing model assumptions, data sources, mathematical formulas, processes, and business applications.  3+ years of direct experience in building and improving models (in SAS, MATLAB, Polysystems, ALFA, AXIS, etc.)  Southeast Region.  Salary: $120,000 - $160,000 plus bonus.   

 


Job Number 6161  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Reinsurance Actuary.  Seeking an ASA or FSA to facilitate reinsurance solutions, manage claims, and support underwriting efforts as part of an expansion team.  The ideal candidate will have a varied background and will be able to assist on general actuarial work such as pricing, valuation, and risk management.  6+ years of actuarial experience are required.  Offshore Location.  Salary: $90,000 - $120,000 plus bonus.


Job Number 6158  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Director, ALM Actuary.  Seeking a director in asset liability management who is responsible for effectively managing the process for determining and analyzing the interest related non-guaranteed elements in life division products (e.g., UL, VUL, IUL, UL NLG, Whole Life, COLI, Term, etc.).  Strong leadership and presentation skills required; must be able to lead a department and effectively communicate to all levels of leadership.  8+ years of actuarial experience.  Southwest Region.  Salary: $150,000-$160,000 plus bonus.


Job Number 6156  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Senior Reinsurance Role for Start-Up Direct Writer.  Will play a key role in the growth strategy through active participation in the acquisition process as well ongoing affiliate and third party reinsurance.  Seeking an FSA with a broad reinsurance background using multiple types (assumed, ceded, affiliate, financial reinsurance, etc.).  Will work closely with senior leaders from start to finish, and will take ownership on the execution.  Highly visible role within the organization.  Southeast Region.  Salary:  $150,000 - $175,000+ plus bonus.


Job Number 6155  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Senior Asset-Intensive Product Role for Growing Start-Up.  Will lead Product Development and Pricing, and will play a key role in our client’s growth strategy through active participation in the distribution process as well ongoing asset liability management.  Prior experience with Fixed Annuities, Indexed Annuities, Payout, and Structured Settlements is preferred. Minimum of 10 years of actuarial experience, excellent communication skills and an entrepreneurial mindset.  Southeast Region.  Salary:  $150,000 - $200,000 plus bonus.    


Job Number 6150  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Long Term Care, Director.  Will work on Valuation analysis projects including GAAP, STAT and TAX roll forwards.  FSA or Experienced ASA required.  Long Term Care reserving experience preferred.  Strong actuarial modeling skills in using valuation and projection models.  Southeast Region.  Salary: Competitive plus bonus.


Job Number 6138  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Sr. Managing Actuary.  ASA or FSA to partner with Enterprise Actuarial to establish and maintain a governance process for actuarial analysis by providing guidance and peer review of assumptions and models.  Will also respond to SEC requests and form 10-K disclosures and prepare analysis for use by the Chief Accounting Officer, Chief Financial Officer, Chief Actuary, and Corporate Actuary.  Must have an understanding of SEC reporting and interest-sensitive products.  Must have very good collaboration and leadership skills.  Midwest Region.  Salary: $145,000 - $160,000 plus bonus.


Job Number 6113  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

AXIS Modelers.  Top consulting firm is looking to hire Director, Manager and Senior Associate levels for multiple positions.  Must have AXIS experience.  Travel would be required.  Multiple Regions.  Salary: $90,000 - $200,000+ plus bonus.


Job Number 6108  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Lead Actuary-Modeling Infrastructure:   FSA or ASA to lead the ALFA modeling of Fixed Annuities for the purpose of valuation reporting and projections.  Should have working knowledge of IFRS, Statutory and Tax valuation principles, as well as principles of modeling insurance product cash flows.  West, Midwest and Eastern Regions.  Salary:   $123,000 - $175,000 plus bonus.


Job Number 6104  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Financial Planning & Analysis, AVP.  Growing life insurance and reinsurance company is looking for a dynamic, experienced life insurance actuary.  This is a “hands on” position with limited supervisory responsibility.  Will calculate embedded value and all related analyses.  Will also own their home-grown corporate model and develop Statutory and GAAP financial projections.  The Ideal candidate will be an FSA with 7-10 years of work experience.  Northeast Region.  Salary:  $130,000 - $140,000 plus bonus.  


Job Number 6090  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Corporate Actuary.  Our client is looking for an experienced actuary to serve a variety of functions, including calculating reserves, modeling cash flows and financial reporting.  Candidates that have working experience with valuation and projection models such as ARVAL and ALFA will be preferred.  3 to 5 years of relevant experience and 3+ exams passed towards the ASA designation are required.  Northeast Region.  Salary: $100,000 - $115,000 plus bonus.


Job Number 6084  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Pre-ASA ALFA Modeler.  Our client is looking for a talented and experienced actuary to update assumptions and run financial projections using MG-ALFA.  Responsibilities of the position include model validation, implementing and enhancing tools, and communicating results to senior management.  VBA and SQL are preferred, but not required.  Southwest Region.  Salary: $70,000 - $100,000 plus bonus.


Job Number 6069  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Valuation Actuary:  FSA or ASA to be responsible for supporting life and annuity valuation including in-depth involvement in the calculation and analysis of the indexed product portfolio reserves/earnings.  Will serve as the valuation expert for the business related to guaranteed lifetime withdrawal benefits.    Will provide and explain quarterly and annual GAAP, SAP and tax valuations for indexed universal life and annuity blocks of business, including guaranteed lifetime withdrawal benefit.  FAS 133 reserving experience is required.  Midwest Region.  Salary:  $110,000 - $140,000 plus bonus.


Job Number 6062  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 

Financial Reinsurance role.  Structured reserve finance role on the life side.  Qualified candidates should have experience with surplus relief reinsurance transaction deals which is critical to this role.  Experience with AG 48, Principle Based Reserves and XXX/AXXX is preferred.  Southeast Region.  Salary: $160,000 - $185,000 plus bonus.

 


Job Number 6043  ADD TO JOB BASKET   CHECKOUT With Added Job(s)   Forward to Someone 


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