Joel E. Lubin is currently a consultant for AT&T. Prior to retirement, Mr. Lubin was Vice President - Federal Government Affairs at AT&T. He was responsible for developing public policy at the federal and state levels. In particular, he formulated regulatory policies associated with access charges, universal service, local exchange competition, and local exchange carrier regulation. Mr. Lubin has over forty-six years of experience with AT&T. He started with Bell Telephone Laboratories in 1969 developing computer models/algorithms solving business problems. In 1972 he transferred to Long Lines, a department of AT&T, where he held various positions conducting economic analysis on telecommunications issues and developed computer systems/algorithms to support AT&T's national sales force. From 1984 to 2015, Mr. Lubin took on major telecommunications industry issues that required: directing the development of economic analysis, formulating public policy positions, and advocating those positions to the federal regulators. In addition, Mr. Lubin managed, directed, and led large interdepartmental teams addressing these complex problems. Finally, he has represented AT&T in various external coalitions and negotiated solutions to complex industry problems with industry participants. Mr. Lubin received a B.A. degree in Mathematics from Wilkes University in 1969. He also earned an M.S. Degree in Operations Research/Engineering Methods from Columbia University in 1973 and an MBA from Fordham University in 1976.