Richard (Rick) Harb graduated with honors from the University of Florida before receiving his law degree with honors from The Florida State University College of Law and his Master of Laws in Taxation from the University of Florida Levin College of Law.  Mr. Harb joined NG&N immediately upon graduation in 2012 and has practiced exclusively in the area of public finance ever since.  In that time, he has served as bond counsel, disclosure counsel, underwriters' counsel and special counsel for a wide range of governmental and nonprofit clients and routinely handles related complex federal and state tax and securities issues.  His representative experience includes participation in transactions for public and nonprofit healthcare and senior living facilities, public and nonprofit educational providers, transportation and airport improvements (including tolled expressway systems), utility systems, stadiums and convention centers, social service centers and other general governmental  projects.  Mr. Harb has significant experience as bond counsel on tax-exempt charter school financings, having served as lead associate or attorney on transactions totaling in excess of $500 million for the benefit of over 30 schools across Florida.  He also regularly serves as bond, disclosure and underwriters' counsel on transactions for acute-care hospital systems and 501(c)(3) senior living providers, including financings for startup and existing life plan communities and transactions secured by derivative instruments such as interest rate swaps.