Jason SantamariaJason A. Santamaria is an independent business consultant and a former Marine Corps artillery officer, Morgan Stanley investment banker, McKinsey consultant, and J. William Fulbright scholar. Vincent Martino is a senior business analystfor Capital One Financial. He is a former Marine Corps communications officer and a graduate of the United States Naval Academy. Eric K. Clemons is a professor of operations and information management at the University of Pennsylvania's Wharton School of Business. Read More Read Less