Paul Beretz, CICE (Certified International Credit Executive), is managing director of Pacific Business Solutions, Clayton, CA, a company he created in 1999. In addition, he is a partner of Q2C (Quote to Cash) Solutions. He brings over 30 years of global management experience in telecommunications, semiconductors, forest products, and chemicals. His faculty postings include St Mary’s College, California (MA in leadership), University of California, Berkeley, Michigan State University, and Dartmouth College. He has designed and facilitates online courses in international credit and general business. He currently serves on the advisory committee of the Export–Import Bank of the United States.