Nicholas L. Gunther received his Ph.D. in Mathematics from Harvard in 1982 and his J.D. from Harvard Law School in 1986. Nick worked as an associate specializing in tax matters at Cleary, Gottlieb, Steen & Hamilton until 1992. From 1992 until the present, Nick has worked on the development, structuring and execution of financial products with a tax, accounting or regulatory emphasis, at AIG Financial Products, Goldman, Sachs & Co., Sosin & Co. LLC and other prominent investment banking firms. In 2005, with one of his colleagues, Nick founded GH Group LLC, a registered broker-dealer that conducts an investment banking business. In 2009, Nick sold the firm to another investment bank. Since then, Nick has pursued both investment banking transactions, including student-loan securitizations, and computer and internet-based business, including automatic grading and financial data and analytics distribution. He is the founder of the startup OpenAnalytics, and one of the founding partners of Visible Market, a company dedicated to providing new visual approaches to understanding financial markets. Visible Market is the developer of StockTouch, one of the most popular financial apps in the Apple App Store in 2012.