About the Author
Richard Earl Simmons, III, received a B.A. in economics from the University of the South, Sewanee, Tennessee, in 1976. After many years in the business world, he is now retired from the insurance brokerage fi rm of Hilb, Rogal, & Hobbs, where he served as president for ten years.
As executive director of the Center for Executive Leadership, a Christian-based community resource, the author lives in Birmingham, Alabama, with his wife, Holly, and their three children, Dixon, Dorothy Pate, and Will.
As executive director of the Center for Executive Leadership, a Christian-based community resource, the author lives in Birmingham, Alabama, with his wife, Holly, and their three children, Dixon, Dorothy Pate, and Will.

