Whew. Dodged a bullet there.Robert Sterling specializes in consumer facing applications. Prior to his work with Points North Group, Mr. Sterling was a senior analyst at Jupiter Research where he pioneered its financial services coverage, advising clients such as E*Trade, Charles Schwab, Bank of America, Fleet Bank, Wachovia, and Bank One. Before Jupiter, he managed online development projects at Checkfree Investment Services for some of the first online brokerage firms, including Jack White, National Discount Brokers, American Express Financial Services and Vanguard. Prior to Checkfree, Mr. Sterling was a broker at Merrill Lynch. Mr. Sterling has been frequently quoted in the Wall Street Journal, The New York Times, The Economist and Financial Times. He has appeared at numerous conferences, including investment industry events sponsored by the Securities Industry Association, UBS Paine Webber, the Export-Import Bank of the United States, and Morningstar. Mr. Sterling earned a Bachelor of Arts in Political Science from American University in Washington, DC.