Larry Richmond is a cashflow automation specialist and president of Richmond Financial Services (RFS). In 2005, he successfully lobbied MasterCard to reclassify home heating retailers into the lower risk utility processing category, resulting in billions of dollars of savings to the industry. To date, this important watershed accomplishment stands as the single-most significant advancement in fee reductions associated with electronic payments for the heating fuels industry. Richmond can be reached at 617-843-5700, ext. 200, or by email at [email protected].