About the Author

Ralph Lambert was born in Arcadia, Florida, grew up in Bloomington Illinois, attended University of Florida and Thunderbird Graduate School for International Management. Over many years, he held management positions in international banking was a consultant on international debt restructuring, credit analysis and international trade finance. He retired to Western North Carolina in 1995, where has been active in several non-profit organizations. He has worked, lived and traveled in over 100 countries on all seven continents and retains his interest in travel, writing, photography and gardening.