Bob Nisbet, PhD, is a Data Scientist, currently modeling precancerous colon polyp presence with clinical data at the UC-Irvine Medical Center. He has experience in predictive modeling in Telecommunications, Insurance, Credit, Banking. His academic experience includes teaching in Ecology and in Data Science. His industrial experience includes predictive modeling at AT&T, NCR, and FICO. He has worked also in Insurance, Credit, membership organizations (e.g. AAA), Education, and Health Care industries. He retired as an Assistant Vice President of Santa Barbara Bank & Trust in charge of business intelligence reporting and customer relationship management (CRM) modeling.Dr. John Elder heads the United States' leading data mining consulting team, with offices in Charlottesville, Virginia; Washington, D.C.; and Baltimore, Maryland (www.datamininglab.com). Founded in 1995, Elder Research, Inc. focuses on investment, commercial, and security applications of advanced analytics, including text mining, image recognition, process optimization, cross-selling, biometrics, drug efficacy, credit scoring, market sector timing, and fraud detection. John obtained a B.S. and an M.E.E. in electrical engineering from Rice University and a Ph.D. in systems engineering from the University of Virginia, where he's an adjunct professor teaching Optimization or Data Mining. Prior to 16 years at ERI, he spent five years in aerospace defense consulting, four years heading research at an investment management firm, and two years in Rice's Computational & Applied Mathematics Department.