I worked with cliff at State Capital Savings and had the pleasure of being on one of the fishing trips to Chincoteague,VA. He was always a gentleman and I think of him when my family and I go to Chincoteague, and especially the Pony Pines Inn which is gone now, where he put me at ease being the newest member of the group. He is remarkable person. Even though our careers diverse he always remember me when our paths crossed. My sympathy to his family.