Bilal Musharraf is a Vice President in the Silicon Valley Office.  Prior to completing his MBA from Stanford, Mr. Musharraf worked in the actuarial profession for ten years.  He worked as a consultant for Watson Wyatt Worldwide evaluating pension and health benefit plans.  Prior to that, he worked in the insurance sector, pricing and reserving financial liability.  He has also completed investment assignments at the Emerging Markets Division of the Abu Dhabi Investment Authority (UAE) and the Corporate Headquarters of the New Hope Group (China).  He holds an M.B.A. from the Stanford Graduate School of Business and an M.A. from the Stanford University School of Education.  He completed his B.S. in Actuarial Science in 1994 from the University of Illinois at Urbana-Champaign.