Robert FayRobert Fay is spent his career as a banker, business manager and owner, insurance and investment advisor and community volunteer. His greatest accomplishment, however, was 40 years of researching the reason why humanity exists in the universe. You ca get a doctorate in 12 years or so. That makes you an expert in your field. His 40 years of reading hundreds of books on the subject, attending seminars, going on retreats, interviewing experts in the field and individual contemplation on the subject are his credentials. Read More Read Less