Most recently, Mr. Rae was director of advanced technology initiatives for Norwest Mortgage. In this position, he served as chief architect for Norwest's Connectivity project, the industry's largest customer self-service internet initiative. Prior to Norwest, Mr. Rae was a Principal Architect with GMAC Mortgage where, among other achievements, he implemented the industry's first web site. He also led one of the first implementations of Fannie Mae's Desktop Underwriter. Mr. Rae's technical competence has led to a number of technical recognitions including being featured in IBM's web products video, being quoted in a number of technical publications, and publishing technical articles on internet development in magazines such as Web Builder. Mr. Rae graduated with a BS in Engineering Physics and a Masters in Nuclear Engineering from Cornell University.