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Phil Harmon was a successful business executive with deep roots in the Quaker community of the Northwest. By the 1990s the Oregon man had several homes in Oregon and Washington State. In his early career, he sold insurance. He gained widespread trust as a businessperson and garnered clients such as George Fox University, a Quaker school in Newberg, Oregon, and the Northwest Yearly Meeting, an organization of 67 Quaker churches in Washington, Oregon and Idaho. But he began to collect premiums without buying the insurance and using the premium payments to cover his clients’ claims.