Management and Professional Liability
Our clients take professionalism as seriously as we do. Stockbrokers, corporate officers, architects, and other attorneys—they strive to deliver with consistency the highest standard of care expected in their industry. When their clients or other parties do bring claims, for whatever reason, these professionals, directors, executives, and their insurers trust our commitment to professionalism—and to professionals.
Attorneys in Goldberg Segalla’s nationwide Management and Professional Liability practice group leverage hindsight, foresight, and insight to deliver cost-efficient and strategic legal solutions for our clients—every time. Our experience serving clients across countless professions and industries includes:
- Aggressively defending plaintiffs’ claims
- Minimizing damages from legitimate errors, mistakes, and accidents
- Educating and preparing professionals to meet evolving and emerging industry-specific risks
Professional Partnership for Defense and Risk Management
Our profession is defending yours. For attorneys on our team, that means that practicing in this specialized area of the law demands more than mastery of effective trial techniques and knowledge of statutes and decisions. Our work really begins with understanding each client’s industry, individual business model, and unique stressors, so that we can identify the relevant standards of care and tailor creative, efficient, and strategic defenses.
Our team consists of over 50 attorneys with both legal and practical, hands-on knowledge of industries like health care, accounting, insurance, construction/engineering and design, and even scuba diving. We strive to understand both what keeps our clients up at night, and what drives them back to work each morning—and our track record proves that this approach leads to better results in both defense and risk management.
Leaders in Professional Liability Law
We’re proud that attorneys in our Management and Professional Liability practice group are recognized by their peers for their leadership in this highly specialized area of the law. Our team includes:
- The former chair of the National Committee of the Claims and Litigation Management Alliance (CLM)
- Multiple former chairs of the Professional Liability Committee at CLM
- Multiple past presidents of the Professional Liability Defense Federation (PLDF)
- A PLDF Insurance Committee co-chair
- The immediate-past chair of the PLDF Corporate Governance Committee
- The immediate-past chair of the Professional Liability Underwriting Society (PLUS) Mid-Atlantic Steering Committee
- Chair-elect of the American Bar Association (ABA) Professional Liability Insurance Committee
- Former chair of the DRI Professional Liability Steering Committee
- Former co-chair of the DRI Insurance Company Relations Subcommittee
- A Fellow of the American Board of Trial Advocates (ABOTA) National Trial College
Our attorneys also lend their knowledge, time, and talents as active members and leaders in industry-specific legal and professional groups, including:
- ABA Section of Litigation: Insurance Coverage Litigation Committee; Professional Liability Litigation Committee; and Tort Trial and Insurance Practice Section (TIPS) Professional Liability Insurance Committee (PLIC), including the chair
- American Council of Engineering Companies (ACEC)American Health Lawyers Association (AHLA), including a chapter editor of the Post-Acute Care Handbook
- Federation of Defense and Corporate Counsel (FDCC) Insurance Coverage Section, including the chair; Insurance Industry Committee, including the co-chair; and Health Care Section, including the vice chair
- Long Term Care Risk Forum, including a faculty member of the Power Lawyers Program
- National Retail and Restaurant Defense Association (NRRDA), including a member of the Board of Directors, and a board advisor and former chair of the Employment Practices Committee
- American Institute of Architects (AIA)
- Construction Financial Management Association (CFMA)
- Construction Specifications Institute (CSI)
- DRI Construction Law Committee, including former national chair, as well as vice chair of the 2018 Nursing Home and Assisted Living Seminar
- PLDF Insurance Committee, including the co-chair; and Insurance Agent/Broker Claims Committee, including the vice chair
- Professional Women in Construction (PWC), including a Board of Directors member
As a leading voice nationally on the defense of professional malpractice and negligence claims, we publish Professional Liability Magazine and the Professional Liability Matters blog to provide risk management tips and an in-depth look at legal developments impacting the professional liability community.
Goldberg Segalla’s Management and Professional Liability attorneys have defended and counseled accountants through decades of major changes in statutory and case law, market forces, litigation trends, and the scope and standards of accounting business operations. With a deep bench of respected trial attorneys drawing on decades of experience, our team is the go-to practice for numerous Top 50 and super-regional accounting firms, and our attorneys are trusted counselors to some of the leading accountants and accounting firm executives in the business.
We have counseled and defended accountants and accounting firms in lawsuits brought by acquirers or sellers of business entities, bank and insurance regulators, bankruptcy trustees, banks and other lenders, and investors in securities class actions; as well as investigations led by bankruptcy trustees, creditors’ committees, the Department of Labor (DOL), the Federal Bureau of Investigation (FBI), grand juries, the Internal Revenue Service (IRS), professional licensing bodies, the Securities and Exchange Commission (SEC), the Public Company Accounting Oversight Board (PCAOB), and state and local government entities.
We have extensive experience protecting architects, engineers, land surveyors, energy firms, environmental engineers and consultants, and other design-focused clients against claims involving issues and allegations including design defects and omissions, negligent provision of construction phase services, delay claims, faulty or defective material specification, indemnification and contribution, and professional negligence.
We have advised and represented clients in design-build and design-bid-build matters, in traditional projects and ones involving unusual complications and emerging technologies and risks. We’ve successfully litigated multimillion-dollar, high-exposure matters as well as sensitive but “smaller” dollar-number matters in which the greatest risks pertained to a client’s reputation and ability to continue working. We also counsel clients on the full range of risks specific to the design professional and engineering field, including environmental law matters and emerging environmental concerns, cyber risks and new technologies like drones and nanomaterials, intellectual property issues, government and partnership issues, transactional needs, and compliance with and investigations from all relevant state and federal regulatory agencies.
Our team has a particularly deep bench of attorneys with decades of experience serving the financial industry, where companies and officials face civil and administrative litigation brought under federal and state banking, consumer, and securities laws and regulations. We bring not only extensive experience litigating claims involving these rules and statutes, but also a thorough understanding of the individualized concerns and nuanced needs of public as well as privately held financial institutions. We defend banks, credit unions, captive insurance companies, and other financial institutions in a broad range of professional liability and other claims.
Our experience includes:
- Civil rights claims
- Class actions
- Collateral sales and replevin actions
- Commercial and business litigation claims
- Commercial loan workouts and restructurings
- Director and officer liability
- Employment litigation
- Errors and omissions
- Federal and state fair lending laws
- Fraud claims
- Insurance claims, including safe deposit box losses
- Predatory lending claims
- Regulatory compliance
- Secured transactions
- Surety and fidelity bonds
- Unfair and deceptive business practices
We represent clients in securities litigations and Financial Industry Regulatory Authority (FINRA) arbitrations nationwide, and also counsel clients through issues involving the full spectrum of securities industry-specific claims, investigations, and enforcement actions. With an authoritative understanding of the applicable regulations and an unsurpassed knowledge of how to navigate the process of arbitration and regulatory inquiries, we help clients minimize the impact of regulatory enforcement and customer complaints. Our services include:
- Providing legal counsel during regulatory inquiries
- Defending clients under investigation for regulatory matters
- Guiding clients through the arbitration process
- Using alternative dispute resolution methods to obtain quick settlements of claims
- Assessing and advising clients on evolving FINRA and other self-regulatory organizations (SROs) rules, regulations, and procedures
Our team represents directors and officers in high-value disputes throughout the U.S., in both federal and state courts, and around the world, and acts as trusted counsel providing timely and proactive advice on the full spectrum of risk-avoidance issues and emerging concerns relevant to directors and officers in virtually any industry. Whenever events occur in the life of a company that could make shareholders, customers, employees, or regulators unhappy, or could otherwise catch the attention of plaintiffs’ lawyers, directors and officers and their D&O insurers call on Goldberg Segalla.
Our D&O defense attorneys are ready to:
- Advise on litigation and regulatory risk
- Conduct internal investigations
- Conduct pre-suit investigations and pre-trial settlement negotiations
- Defend against regulatory investigations and enforcement by state and federal agencies
- Litigate or arbitrate any dispute that cannot be resolved through negotiation or mediation in cases involving single-plaintiffs or class actions, as well as derivative actions
- Provide guidance on compliance with the evolving data privacy requirements of companies and their officials in various industries
- Provide training to avoid pitfalls that can lead to litigation and regulatory action
- Resolve complex, high-exposure commercial and fraud-based disputes on behalf of businesses and their executives and board members
Our D&O clients include both public and private companies, nonprofit entities, governmental divisions, investment trusts, limited and general partnerships, and homeowner’s associations.
Drawing on the full resources of the firm’s robust and nationwide Employment and Labor practice group, we frequently counsel and defend clients facing the full gamut of Employment Practices Liability (EPL) matters, including emerging employment-related concerns and issues involving new statutes, regulations, agency guidance, and case law. We represent employers in state and federal court through various avenues of ADR, and before federal agencies such as the U.S. Equal Employment Opportunity Commission, the Department of Labor, the National Labor Relations Board, and the Occupational Safety and Health Administration, as well as local and state agencies.
Our ability to assist employers with training and risk management sets us apart. Attorneys across our national Professional Liability and Employment Practice Groups monitor breaking developments in case law and state and federal statutes, as well as emerging and evolving trends in EPL claims and judicial decision-making, and we provide our clients with valuable news and analysis through email alerts, webinars, and other communications on a rolling basis. We routinely perform risk management assessments and develop comprehensive claims and litigation avoidance strategies for our clients, and we offer on-site training—both to the executives and human resources departments of insured employers, as well as claims executives, underwriters, and third-party-administrators—on the full spectrum of employment issues. Long-term clients count on these value-added services to lower legal spending and reduce the incidence of distracting and potentially damaging EPL claims.
Goldberg Segalla defends insurers against claims brought by financial institutions and other corporate policyholders involving financial institution bonds, fidelity bonds, and crime policies. We serve fidelity clients throughout the nation and around the world, and our attorneys have directly handled matters in the United States, Europe, South America, and England.
We have decades of experience counseling insurers, conducting investigations, and handling first-party coverage litigation in matters involving:
- Account manipulation
- Catastrophe-related safe deposit box claims
- Computer fraud
- Employee dishonesty
- ERISA fraud
- Fraudulent acts
- Fund misdirection and misappropriation
- Improper wire transfers
- Lending losses
- Mortgage fraud
- Ponzi schemes and other financial scams
- Precious metal loss
- Safe-deposit box burglary
- Securities fraud
- Social engineering losses
Goldberg Segalla attorneys have counseled and defended health care professionals and businesses through some of the most sweeping regulatory changes, advances in technologies and practices, and trends in individual and class action litigation to affect the industry in the last two decades. Our winning team combines deep and diverse health care industry experience, a collaborative and holistic approach to legal services, and relationships with the nation’s top expert witnesses to find the ideal resolution for the claims our clients face—whether through early settlement or dismissal, mediation, trial, or appeal.
Our litigators have defended claims of obstetrical malpractice, improper surgical technique, neurologic misdiagnosis, psychiatric treatment, and a variety of hospital in-patient claims. They have tried to verdict scores of medical malpractice cases and other professional liability cases, defending physicians, administrators, nurses, physician’s assistants, a wide variety of medical specialists, and other health care professionals; as well as hospitals, long-term care facilities, specialty medical practices, and health care systems.
In addition, we provide our clients with timely alerts on case law and regulatory developments, and provide proactive risk-management counsel. We anticipate the manner in which the widespread use of electronic patient records, HIPAA law, telemedicine, and health insurer subrogation claims—to name just a few emerging issues—may impact our clients, and we counsel them to greet these changes with the confidence that comes from foresight and comprehensive legal preparation.
Our Health Care Industry Experience
Many of our seasoned litigators draw on health care backgrounds, bringing to each matter an invaluable understanding of the internal and external pressures that our clients face—as well as a powerful authority in the courtroom. Our team includes former in-house counsel for health care businesses and systems, long-term care company board members, hospital and emergency room advisory committee members, and a former paramedic.
Our attorneys are also committed to the constant refinement of their trial technique and expanding their knowledge of current medical science through service on the Steering Committee of the Defense Research Institute’s Health & Medical Liability Committee, which has over 2,000 members nationally. They have spoken at its national annual conference to hundreds of trial attorneys and health industry professionals on the subject of advanced trial technique in the defense of medical malpractice cases.
In addition, our attorneys are active members and leaders in legal and industry organizations including:
- Vice Chair of the Federation of Defense and Corporate Counsel (FDCC) Health Care Section
- Vice Chair of the Defense Research Institute (DRI) 2018 Nursing Home and Assisted Living Seminar
- American Health Lawyers Association (AHLA)—Chapter Editor of Post Acute Care Handbook
- Professional Liability Underwriting Society (PLUS)
- Faculty of the Long Term Care Risk Forum Power Lawyers Program
Our Expert Witness Edge
Decades of experience have helped us develop an extremely valuable database of expert witnesses to call upon, as well as a parallel database of the experts commonly retained by plaintiffs’ attorneys. These databases are essential in preparing defense strategies and developing effective cross-examination of opposing expert witnesses based upon close analysis of testimony they have given in other cases.
Our clients trust us to choose, prepare, and utilize the best expert witnesses for each matter, and then to translate the sophisticated concepts in their testimony into compelling narratives for the judge and jury. Recent cases reflect the complexity of the legal and medical issues involved in the claims our clients face—as well as the role that our effective preparation and cross-examination of expert witnesses has played. For example:
- We retained a leading neurologist who had previously served as the State of Florida’s independent medical expert in the widely publicized Terri Schiavo ‘right to die’ life support case. The central issue in our case, in which we represented a major medical center, turned upon this expert’s testimony and represented a potential multimillion-dollar swing in the jury verdict, depending upon whether the patient could receive an award for conscious pain and suffering. The use of this expert was critical in demonstrating the absence of cognition.
Because our attorneys are deeply embedded in the health care industry—through previous in-house and professional experience, leadership in industry organizations, and long-term relationships with clients—we are uncommonly conscious of developments in case law and the impact that each of our results could have not only on our clients, but on the entire health care community. That impact has been overwhelmingly positive. In several instances, the cases we have successfully resolved have made new law upon which future cases will be decided.
- We tried the case of Kambat v. St. Francis Hospital, the leading case citation in New York’s Pattern Jury Instructions on the subject of res ipsa loquitor, a legal concept applied when an unintended medical outcome can ostensibly have no explanation other than professional error. Although the first jury unanimously found in favor of our client, on appeal to New York’s highest court the case was remanded for a second trial to be conducted with the res ipsa loquitor jury instruction, which essentially tells a jury to find for the plaintiff if the medical outcome could only be explained by medical error. On retrial, a second jury also unanimously found for our client. The case was considered significant enough to receive front-page treatment in the New York Law Journal, New York’s leading law publication, and to be addressed in tort law textbooks used in law school curricula.
- In another case which received national media attention, we defended a hospital at which a nurse had euthanized extremely ill elderly patients and was convicted and imprisoned. The hospital’s liability for these actions turned upon its supervision and knowledge of the activities of the nurse, and we directed the in-house investigation which was essential to establishing defenses to the multiple wrongful death claims.
- We won dismissal of a $25 million medical malpractice suit alleging failure to diagnose against a health clinic associated with the U.S. Department of Veterans Affairs and a physician working there. Law360 covered this complicated, 17-day bench trial, which involved conflicting testimony and detailed analysis of symptoms and standards of care for a rare spinal nervous condition, cauda equina syndrome. The U.S. District Court for the Western District of New York’s ruling that the clinic and the supervising physician were not liable for damages the plaintiff sustained due to allegedly late diagnosis not only reaffirmed the standard of care our clients maintain, but also created case law favorable to health care providers.
- We established new law while defending a nonprofit health and human services agency for individuals with special needs, accused of causing serious injury and death of the plaintiff. The plaintiffs attempted to establish that the group home was a “residential healthcare facility” and therefore subject to the Public Health Law, which would make it easier for the plaintiffs to access punitive damages. The New York State Appellate Division Fourth Department agreed that the group home was not a “residential healthcare facility” and dismissed all claims under the Public Health Law—a landmark victory for the thousands of agencies that operate under the Office for People with Developmental Disabilities (OPWDD) regulations, as we explained in a Buffalo Law Journal article.
We also volunteer to teach medical students at medicolegal seminars to advance their knowledge of their legal obligations, for the benefit of both their patients and their practices. In short, we are active in every important aspect of the advancement of current medicolegal thinking, and our attorneys bring that to bear for the benefit of every client we have the privilege to represent.
Goldberg Segalla attorneys routinely represent insurance agents and brokers in errors and omissions (E&O) claims and lawsuits on a regional and national basis. We have successfully litigated hundreds of such lawsuits, derived from claims arising out of both first-party and third-party claims, in connection with placements in the excess and surplus lines market, as well as personal lines; commercial lines; professional liability; umbrella excess; life, health, and disability (LHD); and workers’ compensation coverage.
We don’t just defend E&O claims—we actively assist our clients in trying to prevent them. We are committed to providing insurance agents and brokers and their E&O insurers with cutting-edge, practical E&O loss control advice and to help them implement those techniques. We are also available to represent insurance agents and brokers outside of an insured claim, including with respect to E&O loss control and prevention seminars and audits, and to assist the insurance agents and brokers in obtaining insurance coverage for claims on behalf of the customers against the insurance agency or brokerage.
Our lawyers defend other lawyers against legal malpractice claims, in disciplinary proceedings where licenses are in jeopardy, and against all kinds of other claims which are often asserted by people who weren’t even the lawyers’ clients. Routinely hired by legal malpractice insurers to defend their insured lawyers, as well as hired directly by other members of the bar, we have defended attorneys who practice in all areas of the law, including personal injury, commercial litigation, mergers and acquisitions, banking and finance, debt collection, estate planning, intellectual property, bankruptcy, real estate, criminal law, and matrimonial law, to name just a few. Our team draws on decades of collective experience spanning hundreds of cases, some involving financial exposure in the tens of millions of dollars.
Long-term care facilities are burdened with elevated regulatory scrutiny at both the state and federal levels, which has stoked the predatory aggression of the plaintiffs’ bar and triggered an increase in civil claims. Led by a former in-house counsel at one of the nation’s largest privately owned long-term care companies, attorneys in our dedicated Long-Term Care team understand the special concerns involved in these complex, sensitive, and high-value cases, and we bring a wealth of experience and knowledge to the defense of our clients in the industry.
We protect the interests and reputations of nursing homes, assisted living, independent living, post-acute, mental health care, continuing care retirement, skilled nursing, long-term care pharmacy, and rehabilitation facilities and companies targeted with negligence, abuse, and malpractice claims.
From dog groomers to dietitians, Goldberg Segalla’s attorneys have defended scores of insureds in the burgeoning field of miscellaneous professional liability (MPL). Combining our extensive experience defending the traditional professions with proven practices for handling MPL claims—including quickly identifying the relevant standard of care and leveraging our deep contractual dispute capabilities—the Goldberg Segalla team has worked and won cases on the furthest edge of the MPL frontier since the policy line’s beginnings.
We also understand how the law fits—and, in many important ways, does not yet fit—this expansive and expanding category. The novel and continually evolving line of insurance and class of insureds is poised to equal, if not soon exceed, the traditional professional lines. And as it grows, we’re proud of our continued work both in defending individual professionals and in helping insurers to understand, anticipate, and adapt to emerging exposures and trends in claims and litigation.
We have represented insured clients across a vast range of fields and industries, and our team is prepared to defend MPL claims for virtually any type of professional, including:
- Answering service workers
- Advertising, promotions, and marketing professionals
- Bill collectors
- Credit counselors
- Event planners
- Executive recruiters
- Exercise instructors
- Financial advisors
- Graphic designers
- Human resource consultants
- Interior decorators
- Life coaches
- Market researchers
- Management consultants
- Medical record and health information technicians
- Pet groomers
- Property managers
- Tattoo artists and piercing technicians
- Tax preparers
- Third-party administrators
- Ticket brokers
- Travel agents
- And many others
MPL Defense: Early Evaluation, Early Resolution
Striving to see ahead of emerging trends in MPL, we have developed an approach to defense that is founded on proven practices but flexible enough to be tailored to each case and client, and to evolve along with trends in policies, claims, statues, and judicial decision-making.
More than traditional professional liability claims, MPL claims typically combine standard of care (negligence) theory with contract claims and defenses. Also, unlike traditional claims, these often involve liquidated or otherwise easily reckoned damages. With veteran litigators and trial attorneys exceptionally experienced in representing, counseling, and defending in the field of traditional professional liability, our team is particularly adept at identifying the standard of care applicable to this new and ever-expanding class of service providers. This allows for very early assessment and evaluation, frequently leading to early resolution.
Shaping the Future of MPL Policies and Practices
Collaborating freely and frequently across the firm’s entire national footprint, we represent an immense experience bank that covers virtually the whole of the existing MPL class and all types of MPL claims seen to date. This is an invaluable resource when it comes to defending insured clients in MPL litigation anywhere in the U.S.—but our clients rely on us and our experience for much more than litigation.
Numerous national and regional insurance carriers have brought our attorneys in to lecture their underwriting and claims staff on MPL exposures, especially emerging exposures, and trends in claims and litigation. We also regularly publish on both claims-handling and MPL coverage—though our clients are always the first to benefit from our analysis and assessments of the latest trends.
Through our defense of insured and counsel for MPL insurers – as well as through our leadership in organizations like the Professional Liability Underwriting Society (PLUS), the Professional Liability Defense Federation (PLDF), the Claims and Litigation Management Alliance (CLM), and professional liability committees of the American Bar Association (ABA) and DRI—we will continue to work at the forefront of MPL to improve defense, claims-handling, policy-writing, and where possible the law, for the benefit of working “miscellaneous” professionals and their insurers across the nation.
Boutique attention. Professional diving expertise. Nationwide reach and defense capabilities.
Goldberg Segalla’s Diving Professionals Liability practice is an innovate and hybrid legal service model designed—by a senior litigator and certified Divemaster—to deliver superior counsel and defense to the highly specialized market of insurers serving the professional diving community. No matter the combination of claim, location, exposure, budget, and billing expectations, this team is ready and equipped to help.
Combining the reach and resources of a Management and Professional Liability practice renowned for its success with sophisticated and high-stakes assignments and a General Liability Practice recognized for its deep bench of trial-tested attorneys, our team can handle diving professional liability claims stemming from accidents and incidents on virtually any major body of water in the U.S. As a law firm of 400 attorneys in 22 offices across 10 states, Goldberg Segalla is positioned to defend cases all across the country, deploying lawyers from offices on the Great Lakes, in the Metro New York and Chesapeake Bay regions, across the East Coast and into Florida, down the Mississippi, and out to California. With oversight and hands-on involvement from National Diving Professional Liability Coordinating Counsel Jason A. Botticelli, a certified Divemaster, we can also ensure that we always deliver tailored defense strategies and proven tactics founded on a deep understanding of the industry and its professional standards.
We counsel and defend clients including:
- Boat Owners/operators
- Dive shop owners
Our vast array of defense attorneys can handle various claims of liability including:
- Improper training
- Improper safety protocol
- Violations of standards and policies
- Virtually all dive-related injuries and/or boating accidents
Legal and Professional Experience—Where It Counts
Though SCUBA diving is a recreational sport, there are risks whenever someone puts on SCUBA gear and enters the underwater world. Because of this inherent risk, a high level of training goes into becoming a dive professional. The responsibilities of instructors, Divemasters, boat operators, and dive shop owners are great, and include proper training before the first dive, assuming some responsibilities for both experienced and novice divers, and making sure all safety procedures are in place and followed both on shore and on open waters.
Jason A. Botticelli serves as National Diving Professional Liability Coordinating Counsel, leading the defense of claims across our nationwide footprint. Jason’s experience and training include:
- National Association of Underwater Instructors (NAUI)-certified Divemaster
- Affiliated with Dip ‘N Dive in Buffalo, New York, Jason helps instructors to train over 100 new divers each year and leads them on dives in Lake Erie, Lake Huron, and the Niagara River
- Well-versed in diving regulations, Jason has authored articles on professional diver liability and dive preparation for Sport Diver
- Licensed in New York and Pennsylvania, Jason regularly assists with and oversees litigation across and beyond Goldberg Segalla’s 22-office, 10-state footprint
Professional Partnership for Defense and Risk Management
Insurers and their professional insureds rely on us and our experience for much more than litigation. Numerous national and regional insurance carriers have brought our attorneys in to lecture their underwriting and claims staff on exposures, especially emerging exposures, and trends in claims and litigation. We also regularly publish on both claims-handling and coverage—though our clients are always the first to benefit from our analysis and assessments of the latest trends, through alerts, publications, podcasts, and frequent and timely communication.
Jason Botticelli and others in our Diving Professional Liability Practice are available upon request to deliver webinars or on-site presentations on virtually any aspect of diving professional liability, emerging professional liability trends and exposures, and claims-handling practices.
- Read Jason Botticelli’s article, “Understanding Your Liability as a Scuba Diving Professional,” in Sport Diver. In it, Jason addresses standards of negligence for professional divers in relation to such things as dive conditions and decision-making, and more.
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