ABOUT
Kevin Howard
author
I was born and raised in the Bronx, NY. I had a very happy childhood with my brother, Ruben, and my mother, Andrea. I graduated from Cardinal Spellman High School, then served four years of active duty in the US Army as a member of NATO. I attended college in Houston, Texas, and graduate school in Connecticut. 
My career began with a one-year commitment as a FEMA Disaster Assistance Loan Officer primarily assigned to the Northridge earthquake declared natural disaster. I went on to build a successful career as a business banker but found my calling in climate risk mitigation. I am happily married to Nikole and live in the Columbia Gorge National Scenic Area in Oregon. I am a life learner who draws strength and inspiration from my connection with humanity and the natural environment that sustains us.
Carolyn Jania
narrator
Carolyn Jania is an LA-based actor/ singer/ writer/ improviser. You can hear her voice on 40+ audiobooks and in a new Netflix adult animated show from the producers of Rick and Morty. She is an Earphones Award Winner and Audie Award nominee for Lustily Ever After: The Audiobook Musical, and was honored to be a 2021 ACX University Speaker. 
She is an alum of The Groundlings Sunday Company where she has done extensive comedy character work. Paired with her classical theatre training (BA in Theatre from Butler University), she loves variety in her narration projects. Her passion is her comedy pop duo, Schmab where she writes and performs original comedy songs.
Visit her website at www.carolynjania.com
Foreward by John Fullerton
John Fullerton is the founder and president of Capital Institute, and a recognized New Economy thought leader and public speaker. He is also an active impact investor through his Level 3 Capital Advisors.
Previously, he was a managing director of JPMorgan where he managed multiple capital markets and derivatives businesses around the globe and then ran the venture investment activity of LabMorgan as Chief Investment Officer through the merger with Chase Manhattan Bank in 2001. John served as JPMorgan’s representative on the Long Term Capital Management Oversight Committee in 1997-98. He is a co-founder and director of holistic ranch management company Grasslands, LLC, a director of New Day Farms, Savory Institute, and the New Economy Coalition, a trustee of the V. Kahn Rasmussen Foundation, and an advisor to Armonia, LLC, the UNEP Finance Inquiry, and Richard Branson’s Business Leader’s initiative (“B Team”). In spring 2014, John was humbled to receive a nomination to the Club of Rome; he is now a full member.
John is the creator of the “Future of Finance” blog at CapitalInstitute.org, which is also syndicated with The Guardian, Huffington Post, CSRWire, the EcoWatch blog, and the New York Society of Security Analysts’ Finance Professionals’ Post. He has appeared on Frontline, and been interviewed by the New York Times, Bloomberg, Wall Street Journal, Barrons, WOR radio, Real News Network, INET, Think Progress, The Laura Flanders Show on GRITtv, Thom Hartmann, and The Free Forum Show with Terrence NcNally.
John has an MBA in Finance from the Stern School at New York University, and a BA in economics from the University of Michigan.
