Loan modification is the systematic alteration of mortgage loan agreements that help those having problems making the payments by reducing interest rates, monthly payments or principal balances.
 Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure.
 Loan modifications have been practiced in the United States since The 2008 Crash Of The Housing Market from Washington Mutual, Chase Home Finance, Chase, JP Morgan & Chase, other contributors like MER's.
 Crimes of Mortgage ad Real Estate Staff had long assisted nd finally the squeaky will could not continue as their deviant practices broke the state and crashed.
 Modification owners either ordered by The United States Department of Housing, The United States IRS or President Obamas letters from Note Holders came to those various departments asking for the Democratic process to help them keep their homes and protection them from explosion.
 Thus the birth of Modifications.
 It is yet to date for clarity how theses enforcements came into existence and except b whom, but t is certain that note holders form the Midwest reached out in the Democratic Process for assistance.
 FBI Mortgage Fraud Department came into existence.
 Modifications HMAP HARP were also birthed to help note holders get Justice through reduced mortgage by making terms legal.
 Modification of mortgage terms was introduced by IRS staff addressing the crisis called the HAMP TEAMS that went across the United States desiring the new products to assist homeowners that were victims of predatory lending practices, unethical staff, brokers, attorneys and lenders that contributed to the crash.
 Modification were a fix to the crash as litigation has ensued as the lenders reorganized and renamed the lending institutions and government agencies are to closely monitor them.
 Prior to modifications loan holders that experiences crisis would use Loan assumptions and Loan transfers to keep the note in the 1930s.
 During the Great Depression, loan transfers, loan assumption, and loan bail out programs took place at the state level in an effort to reduce levels of loan foreclosures while the Federal Bureau of Investigation, Federal Trade Commission, Comptroller, the United States Government and State Government responded to lending institution violations of law in these arenas by setting public court records that are legal precedence of such illegal actions.
 The legal precedents and reporting agencies were created to address the violations of laws to consumers while the Modifications were created to assist the consumers that are victims of predatory lending practices.
 During the so-called "Great Recession" of the early 21st century, loan modification became a matter of national policy, with various actions taken to alter mortgage loan terms to prevent further economic destabilization.
 Due to absorbent personal profits nothing has been done to educate Homeowners or Creditors that this money from equity, escrow is truly theirs the Loan Note Holder and it is their monetary rights as the real prize and reason for the Housing Crash was the profit n obtaining the mortgage holders Escrow.
 The Escrow and Equity that is accursed form the Note Holders payments various staff through the United States claimed as recorded and cashed by all staff in real-estate from local residential Tax Assessing Staff, Real Estate Staff, Ordinance Staff, Police Staff, Brokers, attorneys, lending institutional staff but typically Attorneys who are also typically the owners or Rental properties that are trained through Bankruptcies'.
 that collect the Escrow that is rightfully the Homeowners but because most Homeowners are unaware of what money is due them and how they can loose their escrow.
 Most Creditors are unaware that as the note holder that the Note Holder are due a annual or semi annual equity check and again bank or other lending and or legal intuitions staff claim this monies instead.
 This money Note Holders were unaware of is the prize of real estate and the cause of the Real Estate Crash of 2008 where Lending Institutions provided mortgages to people years prior they know they would eventually loose with Loan holders purchasing Balloon Mortgages lending product that is designed to make fast money off the note holder whom is always typically unaware of their escrow, equity and that are further victimized by conferences and books on HOW TO MAKE MONEY IN REAL STATE - when in fact the money is the Note Holder.
 The key of the crash was not the House, but the loan product used and the interest and money that was accrued form the note holders that staff too immorally.
 The immoral and illegal actions of predatory lending station and their staff began with the inception of balloon mortgages although illegal activity has always existed in the arena, yet the crash created "Watch Dog" like HAMP TEAM, IRS, COMPTROLLER< Federal Trade Commission Consumer Protection Bureau, FBI, CIA, Local Police Department, ICE ( The FBI online Computer crime division receives and investigates computer crimes that record keeping staff from title companies, lending institutional staff, legal staff and others created fraudulent documents to change payments and billing of note holders to obtain the money note holders are typically unaware of) and other watch dog agencies came into existence to examine if houses were purchased through a processed check at Government Debited office as many obtained free homes illegally.
 Many were incarcerated for such illegal actions.
 Modifications fixed the Notes to proper lower interest, escrow, tax fees that staff typically raised for no reason.
 Many people from various arenas involved in reals estate have been incarcerated for these actions as well as other illegal actions like charging for a modification.
 Additionally Modifications were also made to address the falsifications such as inappropriate mortgage charges, filing of fraudulently deeds, reporting of and at times filing of fraudulent mortgages that were already paid off that were fraudulently continued by lenders staff and attorneys or brokers or anyone in the Real Estate Chain through the issues of real estate terms to continue to violate United States Laws, contract law and legal precedence where collusion was often done again to defraud and steal from the Note Holder was such a common practice that was evidence as to why the Mortgage Crash in 2008 occurred for the purpose of wining the prize of stealing form Homeowners and those that foreclosed was actually often purposefully for these monies note holders were unaware of to be obtained which was why Balloon mortgages and loans were given to the staff in the Real Estate Market with the hoper and the expectation that the loan holders would default as it offered opportunity to commit illegal transactions of obtaining the homeowners funds.
 While such scams were addressed through modifications in 2008.
 The Market relied heavily on Consumers ignorance to prosper, ignorance of real estate terms, ignorance on what they were to be charged properly for unethical financial gain and while staff in real estates lending arenas mingled terms to deceive y deliberate confusion consumers out of cash and homes while the USA Government provided Justice through President Obamas Inception and IRS Inception of Modifications which addressed these unethical profits in Reals Estate.
 It was in 2009 that HARP, HAMP and Modifications were introduced to stop the victimization of Note Holders.
 Taking on the Banks that ran USA Government was a great and dangerous undertaking that made America Great Again as Justice for Consumers reigned.
 Legal action taken against institutions that have such business practices can be viewed in State Code of Law and Federal Law on precedent cases that are available to the public.
 Finally, It had been unlawful to be charged by an attorney to modify as well as fro banking staff to modify terms to increase a mortgage and or change lending product to a balloon in an concerted effort to make homeowner foreclose which is also illegal, computer fraud and not the governments intended purpose or definition of a modification.
Morgan Downey is an Irish-born New York-based American commodities trader and acknowledged authority on the financial aspects of the oil industry.
 His views about price fluctuations and trends in the oil market have been reported in numerous publications.
 His bestselling 2009 book "Oil 101" is an overall guide to the oil industry with information about how oil prices are determined in global wholesale markets.
 According to the "Wall Street Journal", the book covers the "technologies and systems related to oil exploration, production, refining, distribution and more."
 Reviewer Robert Rapier described his book as detailed and comprehensive and an excellent resource for persons wanting to understand the oil industry.
 In February 2014, Downey was appointed as the chief executive officer of financial data vendor Money.Net, described as a real-time market information platform for investors.
 Before Money.net, he was Global Head of Commodities at Bloomberg LP where he managed development and content of the Bloomberg Professional terminal as well as moderated panel discussions on industry topics.
 Before that, he was a commodities trader for Standard Chartered Bank, after trading at Bank of America and at Citibank.
 Downey was born in Ireland, studied finance at the University of Limerick, and moved to New York City after college.
Thomas Boone Pickens Jr. (born May 22, 1928), known as T. Boone Pickens, is an American business magnate and financier.
 Pickens chairs the hedge fund BP Capital Management.
 He was a well-known takeover operator and corporate raider during the 1980s.
 As of November, 2016, Pickens has a net worth of $500 million.
The Association of Holocaust Organizations (AHO), a 501C3, was established in1985 to serve as an international network of organizations and individuals for the advancement of Holocaust education, remembrance and research.
 Among its functions and services are: annual conferences, a winter seminar, regional conferences, co-sponsorship of other conferences and seminars, a listserv for members, a website www.ahoinfo.org, and the publication of an annual print directory.
Petróleos de Venezuela, S.A. (PDVSA, ] ) (Petroleum of Venezuela) is the Venezuelan state-owned oil and natural gas company.
 It has activities in exploration, production, refining and exporting oil, as well as exploration and production of natural gas.
 Since its founding on 1 January 1976 with the nationalization of the Venezuelan oil industry, PDVSA has dominated the oil industry of Venezuela, the world's fifth largest oil exporter.
Nikolai Konstantinovich Baibakov (Russian: Никола́й Константи́нович Байбако́в ) (6 March 1911, Sabunchu, near Baku, Russian Empire – 31 March 2008, Moscow) was a Soviet statesman, economist and Hero of Socialist Labor.
 He finished secondary school in 1928 and entered the Azerbaijan Oil and Chemistry Institute, from which he graduated in 1931 as a mining engineer.
 In 1935, he was drafted into the armed forces.
 After completing his military service, he was appointed chief of the oilfield production department in an industrial complex in the USSR.
 Later he was promoted to chief engineer, then general director.
 He was in charge of evacuating oil industry facilities to the eastern regions during the Nazi invasion.
 Then he was appointed as narkom of the oil Industry of the USSR in 1944 serving until 1946.
 Because of his success in the planning of the oil industry sector of the Soviet Union and experience in economics, he was appointed as the head of Gosplan (State Planning Committee) of the USSR twice (1955–1957, 1965–1985).
Developing Unconventional Gas or DUG is a series of annual regional conferences of the Unconventional oil industry.
 Several notable key note speakers have visited DUG conferences including Leon Panetta at Pittsburgh's in 2014, T. Boone Pickens in 2011 and George W. Bush in 2013.
The International Association of Facilitators (IAF) is a professional association that promotes, supports, and advances the art and practice of professional process facilitation.
 It was founded in 1994 in the United States and is now a global organization with seven regions – Africa, Asia, Canada, Europe, Latin America and the Caribbean, Oceania, and the United States – which holds annual regional conferences and publishes a research journal and newsletters.
 In 2011, IAF began creating local chapters.
 The organization is led by a board of directors elected annually and representing all IAF regions.
John Bishop Ballem (1925–2010) was a Canadian murder mystery/thriller novelist.
 While best known for his novels about the oil industry and private law, Ballem was also a naval air force pilot, assistant professor, specialist in the oil industry and private law lawyer.
 He was an acknowledged legal authority on oil and gas and winner of the Petroleum Law Foundation Prize in 1973.
 He was a member of the Crime Writers of Canada, the Probus Club of Calgary and the Air Crew Association of Alberta: Southern Alberta Branch.
 In 2009, the Law Society of Alberta and the Canadian Bar Association of Alberta awarded John the Distinguished Service Award for Legal Scholarship.
 He was also a Calgary Herald world travels reporter and visited many exotic locations such as both poles.
 Ballem's most important and well known work is the internationally recognized authoritative text,"The Oil and Gas Lease in Canada", a standard legal reference that went to four editions, the final being 2008.
The oil and gas industry is usually divided into three major sectors: upstream (or exploration and production- E&P")", midstream and downstream.
 The upstream sector includes searching for potential underground or underwater crude oil and natural gas fields, drilling exploratory wells, and subsequently drilling and operating the wells that recover and bring the crude oil or raw natural gas to the surface.
 There has been a significant shift toward including unconventional gas as a part of the upstream sector, and corresponding developments in liquefied natural gas (LNG) processing and transport.

Question:  Developing Unconventional Gas (DUG) is a series of annual regional conferences of the oil industry, which notable key note speaker, was born on May 22, 1928?
Answer: T. Boone Pickens