Since launching Colebrook Financial in January, 2003, the owners have grown the company steadily and profitably. We have established a loyal group of customers with whom we have maintained and expanded excellent relationships. The four principals have similar backgrounds but complementary talents. Jim Bishop has a very strong financial and cash management focus, Bill Ryczek concentrates much of his effort on new business development, while Fred Dauch and Mark Raunikar both develop and administer business relationships. The principals of Colebrook Financial have been lending to timeshare developers since the 1970's. We've worked for large institutions, and we've worked for community banks. We've financed small regional resorts, and we've financed some of the largest developers in the world. The principals of CFC have extensive experience in the timeshare finance industry. Bill Ryczek and Jim Bishop have been active in the industry since the late 1970s, while Fred Dauch and Mark Raunikar began their timeshare careers in the late 1980s.