Daniel T. Stabile, Adjunct Professor, University of Miami School of Law and Partner, Shutts & Bowen LLP, Kimberly A. Prior, Adjunct Professor, University of Miami School of Law and Partner, Shutts & Bowen LLP and Andrew M. Hinkes, Adjunct Professor of Law, New York University School of Law, Adjunct Associate Professor, New York University Stern School of Business and Of Counsel, Carlton Fields P.A., US