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Michael Kramer is director of social research at Natural Investments. He joined the firm in 2000 after being a client for 10 years. He serves on the Policy Committee of US SIF: The Forum for Sustainable and Responsible Investment. He publishes the Sustainable Shareholder column at GreenBiz.com and is a strong advocate of innovative financial instruments, local green economic development, and corporate and regulatory reform. He lives in Kailua-Kona, Hawaii.