JAY APFELBAUM lives in Philadelphia and works as an administrative law judge. He is married with two daughters and two grandchildren. He regularly plays with his wife, April, at local bridge clubs and tournaments. Jay is a Grand Life Master. His first regional victory came in 1973 at a knockout event in Richmond, Virginia. He won the Blue Ribbon Pairs in 1976. Since then he has won many regional events and placed in the top ten of a number of national events.