Author: Nathan Crutchfield Masters degree in Business Administration  Georgia State University; Bachelor of Civil Engineering Technology  Southern Technical Institute (now Southern Polytechnic State University  Marietta  Georgia).<br>Professional designations and affiliations: CSP (Certified Safety Professional); ARM (Associate in Risk Management; CPCU (Chartered Property and Casualty Underwriter); ARP (Associate in Research & Planning); Society of Chartered Property and Casualty Underwriters  American Society of Safety Engineers (Professional Member); American Society of Training and Development.