The Unauthorized Guide

1. The Unauthorized Guide The Unauthorized Guide SAN FRANCISCO EDITION

2. Welcome to Oliver Wyman! Congratulations! The interviews are over, contracts are signed (sign-on bonuses deposited), and you can now sit back, relax, and enjoy yourself – kind of. As former new hires, we all know how stressful it can be to start a new job and move to a new city. So we’ve tried to take a little bit of that edge off for you in assembling this Unauthorized Guide for Consultants. This version has been newly updated and revised for 2010, so rest assured that you have the latest info on where to eat, drink, and play! In this guide, you will find three sections: Moving to San Francisco, Working at Oliver Wyman, and Living in San Francisco. We’ve tried to address some of the basic categories of questions that we all had prior to working at Oliver Wyman like: • Where should I live? • What should I wear my first day? • Do I really have to read all those books they sent me? • What is this beach time I keep hearing about? (hint: it involves no swimsuits or sunscreen) • I’m freaking out about the real world and badly need a cocktail, where should I go? Hopefully this guide will address some of your main concerns, but there will obviously be unanswered questions. Go ahead and reach out to contacts you’ve made through the recruiting process, or ask someone in recruiting to put you in touch with someone to get those questions answered. Above all, RELAX. Yes it’s scary, yes there are a lot of unknowns, but we all survived one way or another and you will too! Congratulations again. We can’t wait to have you join the Oliver Wyman family! - Oliver Wyman Consultants Past & Present

4. The Unauthorized Guide SAN FRANCISCO EDITION I. Moving to San Francisco

5.  - Oliver Wyman Office Moving to San Francisco The San Francisco Bay Area is a great place to call home. The City is made up of many different neighborhoods, each with its own character. In this guide, we’ve tried to give you some insight into some of the more popular neighborhoods among the General Consulting Group (GCG - non-partner consultants), along with the advantages and disadvantages to whatever real estate decision you make.  NOPA

6. Comparison of San Francisco Neighborhoods Above all, remember that things like rent and crime rate can vary widely even within a neighborhood, so remember to check out crime stats and info for the particular block you’re looking at! Where Current GCG Live

7. Neighborhoods MARINA/ COW HOLLOW The Scene: Young, hip professionals who like the ocean view, classy digs, and proximity to other young professionals. Walk around on Saturday nights and you’ll feel as if you’re back in college. Pros: Great restaurants and nightlife, shopping on Union and Chestnut streets, practically on top of the ocean. Cons: Expensive; a 24-hour frat party may not be your thing. Good to know: The Marina singles scene is both renowned and reviled. The Matrix is legendary, as is the neighborhood Safeway. The Scene: It’s next to everything, which gives it a diverse feel: The office and downtown, Little Italy, Chinatown, Fisherman’s Wharf. It’s also ground zero for tourists. Expect “cute” housing on tree-lined streets, that gets steadily more expensive as you go further up the hill. Pros: Neighborhood feel with many restaurants, safe, close to everything. Cons: Touristy, pricey, parking is difficult. Older housing. Good to Know: Home to the bygone Beat Generation. Also, the main street, Broadway, hosts most of the city’s prominent strip clubs. NORTH BEACH / Telegraph The Scene: Cute boutiques, lots of cafes, and charming streets make it reminiscent of an European city. Neighborhood feel, assuming your ideal neighbors are other young, well-dressed professionals (possibly with dog). Pros: Tons to do, atmospheric and very safe neighborhood. Cons: Pricey, older housing. Unless you live on Polk, be prepared to walk at least one major hill to get anywhere. Good to Know: The main thoroughfare, Polk Street, is a popular strip with great nightlife. The surrounding streets are home to several top-rated restaurants. RUSSIAN HILL The Scene: Stately townhouses; young (and old) professionals living with multiple roommates in one large house; millionaires. Pros: Quintessential San Francisco charm with a mix of residential and commercial areas, very safe and upscale neighborhood. Cons: Pricey, much less of a “young” feel than the Marina or Russian Hill. Good to Know: This is the neighborhood where all those movies set in San Francisco are filmed. PACIFIC HEIGHTS

8. Neighborhoods The Scene: Shiny high-rise towers with sleek modern condos and concierge desks, home to sophisticated older professionals and techies who work in the South Bay. Pros: Newest and nicest housing in SF, lots of amenities, easy access to freeway. Killer views of the Bay. Cons: Expensive, area still under development. Your building is more likely to be next to an empty lot than a cute corner café. Good to Know: Part of SF that most resembles NYC.. for better or worse. SOMA The Scene: More run down than other areas and featuring bombed out tenements and the like, 6th and Market also has the highest murder rate in all of SF. However, some of the best nightlife in the city is also located here. Pros: Dirt cheap housing Cons: You get what you pay for, and possibly more (like potentially getting mugged). Good to Know: Maybe best to party here, then cab it home elsewhere. Tenderloin The Scene: The Mission is currently in mid- to late-stage hipster gentrification. A slew of great restaurants, cafes, and bars abound, but walk a few blocks and you’ll still find cheap ethnic food, a lively street scene, and high crime rates. Pros: Cheaper, lively, easy BART access. Home to around 80% of the coolest restaurants and nightlife in the city. Cons: Safety more of a concern in some parts Good to Know: Don’t miss Tartine Bakery and Bi-Rite Creamery. If you need an escape from all the plaid, sit in Dolores Park and people-watch. MISSION The Scene: Residential area full of row houses and a good mix of cafes and restaurants, home to many young families. Pros: Easy parking, quiet, nice cafes and restaurants, safe. Cons: More family-oriented, further from the city center. Good to Know: Noe Valley is close to the great nightlife of the Castro & Mission districts, but has a very quiet residential feel. CASTRO / NOE

9. Neighborhoods The Scene: Residential, laid-back feel, with a lot of immigrant families. Just a few bus stops away from the only real beaches in the city. Pros: Cheaper, great ethnic restaurants, hip Clement Street. Located between the Presidio and Golden Gate Park, which are both beautiful natural spots. Cons: Far out from the city center and nightlife, foggy! Good to Know: The very outer tip of Richmond is an exclusive community called Sea Cliff, where people like Robin Williams and Danielle Steele live. THE RICHMOND The Scene: Mirror image of Richmond, except it’s south of Golden Gate Park. Close to UCSF, so a lot of med students live here. Pros: Cheaper, easy parking, quiet, neighborhood feel. Cons: Far out from the city center and nightlife, foggy! Good to Know: The same quiet feel and large houses that attract young immigrant families in Richmond also exists here. THE SUNSET The Scene: Major centers include Berkeley and Oakland. Both have a diverse feel and are less urban than SF city. Berkeley, obviously, has a huge student population, although few are hippies nowadays. Farther out you’ll find quiet suburbs. Pros: Cheaper, easy commute on BART, eclectic shopping and some really famous restaurants. Cons: Less nightlife, you likely need a car. Good to Know: Birthplace of MC Hammer, Oakland has also been dubbed the “murder capital of the US.” Just be careful which part you live in – Jack London Square, Rockridge & Merritt are good bets. EAST BAY The Scene: Encompassing many towns south of The City, major ones include Palo Alto and San Jose. A lot of beautiful suburbs where families and tech CEOs live. Pros: Residential, access to the city via BART and Caltrain. Cons: Long commute and Caltrain runs infrequently. Few activities on the weekend and you’ll need a car to get anywhere. Good to Know: This is where the headquarters of all the major tech companies are: Google, Apple, Yahoo!, HP, Intel, Cisco, eBay PENINSULA / S. Bay

10. The Apartment Hunt Methods • Craigslist (www.craigslist.org): This is by far the main apartment-hunting method in San Francisco. In fact, we can’t even imagine finding an apartment by another method. What did people do before Craigslist? (Tip: one GCG’s apartment is furnished almost exclusively with furniture she found for free on Craigslist. And it looks pretty damn good.) • Networking: If you can manage it, one of the best ways to find an apartment is through friends, classmates, relatives, coworkers, religious groups, etc. Try emailing your dorm or other college lists now to find people who know alumni living in that area, who may prefer to live with other alumni from your school. • On foot: Walking around the area you’d like to live in is good for getting the feel of a neighborhood, but unlikely to be fruitful in terms of actually finding a place to live. Tips • Start looking for areas to live in a month or two before the date you’d like to move in. For hires starting in September, you’re competing with students, so start looking in the summer. • Act fast – especially for a September 1st lease; if you wait, the apartment will be taken. • Prepare a landlord-ready packet: Bring copies of your offer letter, references, credit report, bank statement, and previous address history. Above all, landlords want someone who will take good care of the apartment and pay rent on time, so remember to emphasize your responsibility and steady employment. Questions to Consider Affordable- Is the rent affordable? Are the stores, shops, gyms, movie theaters and bars in the area affordable? (No matter what they say ahead of time, most people spend their money in nearby establishments – i.e. higher rent in a nicer area adds up in many ways.)Management Company – Does the building appear to be well maintained? What do neighbors say about how long it takes to get something fixed? Are they helpful/responsive to your questions?Transportation – How close is the BART, MUNI train or bus?Conveniences –Is there a washer/dryer in the building? Is a supermarket or laundromat nearby? Parking – What’s the parking situation? If parking isn't included, is street parking available?Utilities – Who pays for utilities? How are they powered? Gas is cheaper than electric; oil fluctuates along with OPEC. What is the average winter utility bill for the unit? Who controls your heat? Neighbors – Does your building rent to students? Are there families with small children in the building? What’s the general noise level during the day and at night?Crime – What is the crime rate like? Call the local police office to double check, as your landlord could be less than honest on this one. Brokers are legally not allowed to comment on the safety of a neighborhood. Ask residents or passers-by if they feel safe there.

12. The Unauthorized Guide The Unauthorized Guide The Unauthorized Guide BOSTON EDITION SAN FRANCISCO EDITION II. Working at Oliver Wyman

13. Those First Day Jitters… First Day: You will receive an email 1-2 weeks before starting that lays out your initial schedule, so don’t worry if it’s a few weeks away and you haven’t heard anything. It will come! Where Will I Be? You will be in your home office for the first day regardless of whether your are a summer or full-time consultant. The remainder of that week you may head to a different office for 1 or 2 weeks for Toolkit training and social events. What Do I Bring? Just yourself and the identification materials needed for some paperwork, along with any paperwork you didn’t mail in. What Do You Need: Will Need: Luggage - A small rolling suitcase that fits into the airline overhead compartments is the main piece of luggage you’ll need. If you go on longer assignments, you may need something bigger, but a good small suitcase is a worthwhile investment. You will use it! Good brands are: Travelpro, Briggs & Riley, and Tumi. (Be sure to check airline websites for overhead compartment dimensions.) Cell Phone – you will need to provide your own cell phone and pay for your own cell phone bill. If you use your phone a lot for casework, there is a way to expense the fraction of your minutes, but that will be case specific. Won’t Need/Will be provided: Laptop Laptop case – you’ll end up having more than you’ll know what to do with. Blackberry Wireless Card – free internet anywhere – it’s pretty great. Office supplies Pre-Arrival Work: Training & Development: We have provided some training & development materials for you to work through before you start at OW. These courses are available on the New Hire Portal. They will be particularly helpful to those with less experience in Finance & Accounting or Microsoft Excel; however, we strongly encourage everyone to review these materials. We will spend more time on these topics once you start work, but this should give you a great start. Recommended Reading: In addition, you should review Oliver Wyman intellectual capital through the publications listed on our recommended reading list. You will not be quizzed on the material, but it can be useful to familiarize yourself with the topics and industry jargon you will be hearing.

14. Attire The Oliver Wyman office is business casual and most clients are business casual as well. Day One should give you a pretty good feel for the general dress code of the office. Look to other GCG and base your decisions on what you observe. • Business Casual– In general both men and women tend to stick to some combination of the following for business casual: • Dress pants/skirts • Button-down shirt/ blouse • Sweater, twin set • Suits – We follow the dress code of the client, so if your client is business formal, you’ll be expected to wear the same (always a good thing to ask before starting a case). Nevertheless, this is definitely rare and the number of suits you have already from recruiting is probably enough. • Jeans Friday – On Fridays that don’t involve a recruiting event (they’ll be very clear when those days are), you’re allowed to wear jeans. You’re still expected to look neat (no flip flops and t-shirts, and no ripped jeans – even if you overpaid a designer to fashionably tear them for you…). A collared shirt and/or sweater with jeans is generally fine. • In general, just use common sense. You don’t want to be noticed inappropriately for something you’re wearing. Don’t be that new consultant! Note: These are actual Oliver Wyman employees, not paid celebrities..

15. Staffing can be one of the more stressful parts of your job, but the most important thing is to RELAX. You will get staffed. It may not be your dream assignment, and you may not go to your dream location right away, but be patient. Do well on your cases! The best way to have some say in your staffing assignments is to make others want you on their team. Build a skill set and a good reputation, and the good cases will come. That being said, do not lie or exaggerate your skill set – especially in the beginning. Interviews are over and you’re already hired. It will only hurt you to say you’re an expert in SQL if in reality you saw your lab partner work in it twice. Some of the worst experiences by new consultants are when they claim to know more about a topic or software program than they actually do. I.e. If you’ve never opened an Excel spreadsheet, tell staffing! You’ll be much happier in the long run. On the other side, tell staffing what you’re good at and what skills you may have. If you are a wiz in Excel, don’t hide that – it can definitely help you get staffed faster. Similarly, if you are fluent in a language, make that known also (however, being able to ask where’s the bathroom in Italian will not necessarily get you sent to Florence for a case – trust us, we’ve tried). Be upfront about your concerns. You’ll probably be scared of most assignments when you first arrive (we were), but if you’re particularly concerned about, say, a quant-heavy case, interviewing, or a particular location (e.g. the Middle East) make that known. While staffing can’t always accommodate your concerns, they can do the best they can to place you in an environment where you feel as comfortable as possible. However, beflexible and willing! Staffing will like you a lot more with a “can do” attitude rather than a long list of “no’s” and demands. And remember, many cases that don’t sound as glamorous end up being the best experiences for their case team members, so don’t blindly write-off assignments based on how they sound. Remember, every case is a learning experience, good or bad. Fill out the staffing pages and bios as soon as possible (once you start working that is). Skills & Preferences profile, PowerPoint bio, and uploaded resume all help staffing gain better insight into your strengths and background. Especially in the beginning, this will definitely help you get staffed faster. Be nice to the Staffing Team! Ann Laaff and Jen Thomas will ultimately decide what you get staffed on, so being obnoxious and/or difficult will not help your cause. A lot of times assignments are based on luck of your timing, such as when you roll-off another case, etc. They try to make fairness a top priority. They know you are there and are pleased that you’re willing and eager to get staffed, but be patient. That being said, an inside source tipped us that Ann has a sweet tooth and loves baked goods and chocolate of any shape or kind – not a bad way to lead into a casual conversation about your staffing situation – come with gifts… Staffing

16. Beach Time • The “beach” is the consulting term for unstaffed time between cases (sorry if you had higher expectations for the term). It’s a great time to catch up on appointments, catch up on sleep, and generally just catch up on life. But be aware that you are expected to be available to be re-staffed at a moment’s notice. • Different people approach the beach in different ways, especially depending on how long you’ve been at the firm. Be mindful of what people tell you about how to act on the beach because everyone’s situation is different. • While you may spend very little time in your career on the beach (especially Summer Interns), it is definitely the area where new hires have a lot of questions. Here are some classic Do’s and Don’ts for your time on the beach: DO’s • Enjoy yourself! – The beach is a great time to take it easy and de-stress. You’ll be looking fondly back on that time once you get staffed on a busy case. • Check in with Ann – It is good to occasionally check-in with Ann and make sure she knows you’re available. Staffing contracts may change, so it’s good to make sure everyone’s on the same page. • Ask around and see what’s out there (both from Ann and other partners). You are expected to be doing “things” while on the beach – helping out with proposals, firm initiatives, office events, writing this guide, etc. A lot of staffing happens from working on a proposal that eventually gets sold. And yes, you can learn from business development (biz dev) as well. Just because nobody’s seeking you out, doesn’t mean you can’t be of use… • Still ask for vacation time. Beach ≠ Vacation. If you’re leaving the immediate area, let Ann know! But be careful – you may be staffed and need to get to a client site quickly – so don’t go too far without your laptop. • Use the time to contribute to the firm. Firm contribution is an important part of the Oliver Wyman culture; people will notice! DON’Ts • Not come into the office. Especially when you’re first starting, it’s important that people know who you are and recognize your face (FMMs and TGIFs are key). This doesn’t mean you need to work long hours, but even checking in for a few hours each day is valuable (10am -4pm is a good benchmark if you have nothing to do). While everyone does a full “work from home” day here and there especially after ending a hard case, be mindful of completely falling off the planet. • Neglect your email and voicemail. Keep your Blackberry with you. You never know when you’ll get that infamous staffing email. • Blow off your biz dev work. Even if it’s as short as a few days, you can get reviewed on this work. Good and Bad. Initial reputations are often built outside of actual casework and people talk.

17. Traveling & Expenses Travel for case work can range from 4 days a week, every week to completely office based depending on the assignment and needs of the client. Company policy is to have everyone in his/her home office on Fridays, except for long haul staffing overseas. BCD Travel – BCD Travel is an in-house travel agency that can be used for all business-related trips. BCD travel profile - Can be completed online complete with credit card information, frequent traveler numbers, and travel preferences (e.g. window or aisle) and they will use that every time you call (booking a week’s worth of travel can take less than a minute). Change of plans - The advantage to using BCD travel is that if you ever have a problem or need to change plans after booking with them, they can help you do it instantly. Service Fee - BCD charges a $10 fee for booking online and a $20 fee for booking by phone (this cost can be expensed). It’s generally easier to book online, but it might be faster to call when you need to make last-minute changes. Non-Office Hours – BCD has a 24-hour number (1-866-895-8939) you can call outside of business hours if you need to change plans. You will just need your record locator (on your itinerary) and your Oliver Wyman employee ID. Reward Programs – Sign up for them!!! Points and miles add up, and all rewards earned you can use for personal use. Continually check sites like www.webflyer.com for promotions for different point bonuses that always take place. Also, make sure to keep these numbers in your profile, so they are actually used when booking. Credit Card – Starwood Amex is definitely the credit card of choice amongst GCG, as most cases try to stay in Starwood hotels. You can sign up for one on the Amex or Starwood Preferred Guest website (www.spg.com). While you will have the option of receiving and using a corporate credit card (just get one even if you don’t use it), most people opt to use a personal credit card to receive the points. Tip: if you’re given a low credit limit to start, you can usually just call and ask to have it raised. Expenses – Different managers have different ways they like to handle expenses, so the most important thing is to ask. Better to clarify upfront than risk a problem later on. Company policy for expenses can be found online, but generally, most things you purchase while traveling can be expensed down to a simple cup of coffee. Receipts are required for any purchase of $25 or more. Put them in a good place because losing them will only make your life more difficult (if you do lose a receipt, there are ways to verify the purchase like credit card statement, etc. so don’t freak out that you’ll have to pocket the expense). Keep good track of your expenses and file them sooner rather than later. The longer you wait the more of a headache it is for you and your Partner!

18. Holidays & Vacation Corporate Public Holidays 9 holidays and 2 personal days each year New Year's Day Martin Luther King Jr. Day President's Day Memorial Day Independence Day Labor Day Thanksgiving & Day after Thanksgiving Christmas Day Vacation Time 15 vacation days a year (accrued at 1.25 days/month) – you’ll get more days once you’re here longer (after 5 years is the next jump, so you have a little while…) Vacation accrual year begins January 1st and ends December 31st Maximum unused vacation carry-over is 5 days. Sick Days Full time salaried employees who begin employment before March 1 are eligible for up to 10 days of paid illness for that calendar year. Up to one half of annual illness days may be taken to care for an ill family member. Benefits • Most consultants don’t even know where to begin with benefits, so if you’re completely lost, you’re not alone. You will receive a thorough presentation on your first day and in general have 30 days to comprehend and decide on what plans work for you. • If you want a head start, MMC People Link is a comprehensive website for all your benefits, payroll, etc. www.mmcpeoplelink.com. • Your benefits will start on your first day of full-time employment, not the first of the month. • You will receive the full range of benefits including medical, dental, vision, and many other types of insurance you didn’t even realize existed. Different people have opinions on the different plans, so it may be best to survey people in person once you get here. Keep in mind that you should select a plan based upon what works best for YOUR situation and life style. • Marsh & McLennan has a variety of other benefits for discount transportation, museum admissions, and lift tickets. Definitely worth poking around the PeopleLink website – you’ll be amazed at what you’ll find. • TRIP (WageWorks commuter card) • Offers commuters tax savings: pay for mass transit passes ($110 max/month) or parking fees ($215 max/month) with before-tax dollars; state taxation may vary. • Money for the transit pass or parking fee is deducted from month-end paycheck.

19. ACRONYM Central In case you haven’t figured out already, consultants like to use acronyms. Here are some of the more common acronyms used at Oliver Wyman. Warning: Don’t get too comfortable with this list, they’re constantly changing… FS: Financial Services GMC: General Management Consulting BU: Business Unit HLS: Health & Life Sciences CMT: Communications, Media & Technology MTE: Manufacturing, Transportation & Energy CIVT: Consumer & Industrial Value Transformation GCG: General Consulting Group (non-Partners) AC: Affiliated Consultants (non-Partners) Partnership: Partners and Associate Partners Other Acronyms / Useful Terms OWOK Oliver Wyman Open Knowledge (mailing list) MoF Ministry of Fun IRC Internal Research Center FS/(FMS) Friday (Morning) Session BD (Biz Dev) Business Development IS Information Services And of course, who could forget POW!? “People of Oliver Wyman” is our internal online community and face-book. Join POW! to access local office and OW-wide updates, join employee groups and stay connected with your fellow OW staffers.

20. The Pyramid • As you’re learning the names of our various Business Units and resources, you should also familiarize yourself with the company hierarchy. • Each level plays a different role during a project, with Consultants, Senior Consultants and Associates doing varying degrees of the analytics and research. As you become more senior, you will also interact more with clients and be expected to contribute more to thinking through and structuring various issues in the case rather than just executing. (But you won’t have to worry about that for a little while!) • Your day-to-day work could be managed by almost anyone above you. Part-ners Sell cases; provide strategic direction; serve as main client liaisons Provide day-to-day case and client management Associate Partners Senior Associates Associates Senior Consultants Consultants 19

21. Oliver Wyman Employee Resource Groups (ERGs) • is active in the following areas: • - Community Engagement: Create an inclusive and supportive environment for GLBT people at OWG. Create networking, socializing and service work and philanthropy opportunities. • - Cultural Transformation: Create a voice for GLBT in OWG including mentoring programs, enhanced communications and more inclusive policies. • Business Development: Provide internal training to aid building successful relationships with GLBT clients, and explore GLBT networking and BD opportunities • - Recruiting: Support OWG recruiting to sell to GLBT recruits, create more inclusive marketing materials and maximize GLBT recruiting channels Our culture is one that celebrates and promotes the many backgrounds, heritages and perspectives of our colleagues. It is this culture of diversity and inclusion that helps us generate new ideas and create solutions that best serve our client base, which itself is increasingly diverse. — Corporate Diversity Statement Oliver Wyman has a number of popular (and growing) Employee Resource Groups (ERGs). These cross-functional groups recognize and celebrate diversity & inclusion across OWG and are a great way to get involved in the global OWG community! Founded in 2008, GLOW supports OWG diversity and inclusion initiatives and advocate for the unique needs of the Gay, Lesbian, Bi-sexual and Transgender (GLBT) employees. To feel more accepted and connected to our organization, we are creating reverse mentoring programs, affecting policies, enhancing communications and getting involved in business development activities. “If I’m not gay, can I join GLOW?” YES - Over 35% of GLOW members are straight. Your contribution is essential to create an inclusive environment for ALL employees of Oliver Wyman. To learn more or to join GLOW contact:GLOW@oliverwyman.com or visit the group site on POW! Larissa DeLima will help get you started!

22. Oliver Wyman ERGs continued… WOW is a grass-roots, cross-OWG employee resource and networking group focused on increasing our ability to attract, develop, and retain highly talented women by enhancing their access to professional development and personal growth opportunities. WOW is open to all Oliver Wyman Group staff (both men and women). It focuses on community building, recruiting, business development & brand-building. • 250 new members • Established chapters in most major global offices • Numerous activities: Toronto & Singapore Run for a Cure, Boston Leadership development session • Migrated groupsite to POW! • Work with Women: collaborate across OpCos (Mercer, Marsh, Guy Carpenter) • Communicate: Be ‘voice’ of Women at OWG through POW! • Work for Women: Enhance career development, act as a resource for global/local management initiatives To join WOW – email WOW@oliverwyman.com or visit the group site on POW! EMPOWERED is a grass-roots Employee Resource Group for racially and ethnically diverse OWG employees and their allies. Our Mission is to enrich Oliver Wyman Group, its core values and culture, through inclusive initiatives that foster communication, understanding and appreciation of racial and ethnic diversity. • We pursue our vision in the following areas: • Cultural Awareness: Create opportunities and develop strategies to advance cultural awareness • Community Outreach: Involve local communities to support diversity related initiatives & education • Recruiting & Retention: Attract & develop top talent from a wide variety of cultures and backgrounds • Coaching & Mentoring: Help OWG staff understand and overcome challenges relating to racial, cultural and ethnic diversity through mentorship and access to personal development resources • Data & Messaging: Internal and external communication on efforts to enhance diversity at OWG To join EMPOWERED please contact Brandi Greene (brandi.greene@oliverwyman.com) or Kaijia Gu (kaijia.gu@oliverwyman.com) or visit the group site on POW!

23. Lunch at the Office Given the amount of offices in the Financial District, there is no shortage of places to grab lunch. You can pretty much find any lunch place just by walking out into the street. In fact, the key is knowing where to go if you just happen to have a craving for something specific.. See below for a handy guide on where to go, organized by cuisine and/or situation. • Quick and simple sandwich or salad • Birley’s Sandwiches: Right downstairs in Four Embarcadero. Serves all kind of gourmet sandwiches, from Cubanos to shrimp salad to your basic BLT with avocado. They also have soup. • Buckhorn Grill: Right next to Birley’s. They guarantee your order in 5 minutes or less, which is useful when you have a conference call in ten minutes. • Foccacia: Slightly further afield, but they have an amazing array of really good pastries, as well as sandwiches made to order and some daily specials. • Pan-Asian cuisine • Out the Door: Located in the Ferry Building, this to-go offshoot of the famous Slanted Door has banh mi, stir-fried beef with vermicelli or rice, and bubble tea. Be prepared for a really long line. • Delica: Try this fusion Japanese deli for a totally new take on bento boxes and curry. You might not recognize anything on the menu, but it’ll taste really good. • Sushi Kinta: If you absolutely must have sushi during lunch, this is the only halfway-legit place close by. It’s in the food alley next to the Hyatt. • Something fried, greasy and totally comforting • Taylor’s Refresher: All-American burgers, fries, and milkshakes. Totally delicious, and the line is always insane. • San Francisco Fish Company: Their fish and chips are absolutely addictive. Sometimes a long wait to get your order. • Oasis Grill: Not fried, but equally greasy and comforting. They serve Mediterranean food – giant shawarmas, gyros, and falafel. A standby favorite of GCG. • Sit-down lunch • MarketBar: Upscale Cal Med food; they offer prix-fixe menus that are really good value. Come here when you can expense it! • Osha Thai: Yummy food in a casual, trendy atmosphere. Always popular during lunch, so get here early or risk waiting for a table. • Sugar & Sweets • Yogen Fruz: Tart yogurt with fresh fruit toppings. Perfect for an afternoon pickup… • Ciao Bella Gelato: When you just need sugar. Try hazelnut or guava flavors. • Auntie Anne’s Pretzels: These are so good… Right downstairs in Four Embarcadero.

24. Dinner at the Office Yes, from time to time, you may end up having dinner in the office, but the good news is you can expense up to $30 of food for dinner. That means you have choices. Delivery North Beach Pizza (415-433-2444) If you and the case team are looking for something fast, give this delicious local pizza a try. Sushi Rock (415-578-5569) If you’re in the mood for something healthy, this restaurant has shockingly fast delivery, as well as great sushi and non-sushi options. Takeout Although most places around Four Embarcadero close by 6pm, the following places serve dinner and are open late… Oasis Grill (OPEN UNTIL 9PM) Just across the street from the office, Oasis Grill never fails. Bonus: Shawarmas come wrapped in aluminum foil, so you can eat and type at the same time. Taylor’s Refresher (OPEN UNTIL 10PM) Longer wait time and walk due to its location in the Ferry Building, but that greasy burger is going to taste so good when you finally get it. They also have wines by the glass, if that’s what you need. Osha Thai (OPEN UNTIL 11PM) They can fill your takeout order in just minutes. For an exotic late night drink, get a whole coconut to go (they’ll wrap the whole thing in plastic and give you a straw).

25. Office Traditions • The San Francisco Office has many social events, most of which occur on Fridays when everyone is in the office (remember this when you’re procrastinating during the week and planning to be productive on Friday – it can be very difficult to get work done). These are great times to get to know your colleagues and catch up with friends, especially if you’ve been traveling all week. It’s also really easy to get involved in planning events and/or starting an event of your own. If you build it, they will come… • FLS(Friday Lunch Session) – about once a month, the office gathers in the Dogpatch for a catered lunch and All-About-Me and case work presentations. • TGIFs– TGIFs range in scale from in-office beer and wine, sometimes with a theme (e.g. Office Space TGIF), to gathering at a local bar after work. Either way, if you’re in serious need of some alcohol at the end of the work week, there will usually be an outlet somewhere. • Holiday Party– The Holiday party every year is a lavish affair with dinner, drinks and dancing. • Ski Trip– An office-subsidized ski trip usually happens one weekend in the winter. In past years, houses were rented at Northstar at Tahoe. • Community Service– The office participates in a variety of community service initiatives. If you have a cause you care about, new initiatives are always welcome! • Guaymas! – Every June, the office takes the ferry to Tiburon for an afternoon of Tequila and Tamales on the patio at this bay front restaurant. • Office Picnic – We choose a warm Friday afternoon to barbeque and play sports in Golden Gate Park. • Giants Game – Every summer we take in an evening game preceded by cocktails and appetizers at MoMo’s. • Camping Trip – Our annual camping trip in Yosemite National Park is a great way to get acquainted with California’s spectacular wild areas.

26. Office Events At Office Events, you never know who’s snapping pictures, so be on your toes… TGIFs Guaymas Office Picnic Yosemite Trip

28. The Unauthorized Guide The Unauthorized Guide The Unauthorized Guide BOSTON EDITION SAN FRANCISCO EDITION III. Living in San Francisco

29. Gyms & Running Yes, there is such a thing as the “Consulting 15,” but the good news is that you have plenty of options of places to work out to burn off all those meals you’re eating out. San Francisco has a ton of gyms (many right near the office). When choosing a gym, be mindful that there’s a good chance you’ll be traveling during the week, so that location far from your apartment, but close to office, might not make sense after all. • Cost - Marsh & McLennan has discounts at some gyms, though many are not worth it because you have to take on the most expensive package; be sure to ask regardless as you may be able to save yourself some money! Club One and 24-Hour Fitness currently honor MMC discounts. At most of the nicer gyms the basic membership will set you back $70-80, give or take, depending on the gym. Gyms are always offering initiation deals, however, so keep your eyes open! Many also offer trial memberships for free or a nominal cost if you want to try a place out before deciding. • Options - There are many, but to name a few… • Running outside – Free!! The Embarcadero runs along the bay and allows you to run unimpeded from the Bay Bridge to the Golden Gate. • Crunch – Several locations throughout the city, including in the Marina, Russian Hill and downtown. • Club One– Close to the office. • 24-Hour Fitness– Many locations throughout the city; tends to be cheaper. • YMCA– Several locations throughout the city, including downtown, the Presidio and the Richmond. • Many more… Ask neighbors, look around your neighborhood. If you want to work out, you will have your choices!

30. Dining out in San Francisco San Francisco has many great restaurants. You will eat well while living here! Choosing a Restaurant • Neighborhood • For most meals you should not travel too far. On the weekdays go to restaurants that are close to your apartment. On weekends eat close to where you plan to go out. • Only the very top restaurants warrant long trips! • Restaurant • This guide will not attempt to make extensive restaurant recommendations. Listen to friends’ recommendations, randomly walk into places in your neighborhood, or look at Zagat—whose ratings are, for the most part, reliable. • Talk to Sarah Raymond; she knows the restaurant scene! • Never go back to a restaurant you didn’t think was good the first time. There are too many good places in San Francisco to eat at a bad place twice! Reservations • Reservations • For most of the top restaurants you’ll want a reservation, especially on the weekends. • Use www.opentable.com to make reservations. It’s easier than calling!

31. Russian Hill Pesce Frascati 1550 Hyde La Folie Zarzuela Luella Za Pizza DowntownKokkari Quince Aqua Coi Michael Mina Slanted Door Masa’s Boulevard All expensive, classy and top-rated restaurants! SOMA 21st Amendment Town Hall Anchor & Hope Western Addition / NOPA / Cole Valley NOPA Zazie Little Star Pizza Yoshi’s North Beach The House Mama’s Eating Out If you’re looking for the top-rated restaurants in SF, just flip open any restaurant guide and they’ll tell you which ones have Michelin stars.. But it’s not always easy to find the local favorites. Below are the tried-and-true destinations that have been personally tested by GCG… Marina / Cow Hollow A16 Mamacita Zushi Puzzle Laiola Balboa Café Blue Barn Tipsy Pig Mission Foreign Cinema Tartine Dosa Ti Couz Range Delfina Andalu Limon Spork La Taqueria

32. Bars The nightlife in San Francisco has a uniquely laid-back feel, different from Boston and NYC, as you’ll soon find out. It’s also very diverse – the scene and crowd vary, even among bars in the same neighborhood. Take your time exploring and find which areas you like best! Some general tips: Everything closes early around 2 a.m. Places start filling up by 11 p.m., although there’s almost never a crazy line for anything. SF has an abundance of dive bars and few places charge cover, so don’t pay unless it’s truly worth it. It’s almost impossible to get a taxi on weekend nights (the city has a chronic taxi shortage) so budget at least 10-15 minutes for that. A drink or shot will cost you about $10. One bonus that people rarely realize – for some reason, SF has a unique love affair with outdoor drinking, possibly because of the awesome weather and general confluence of fun, eccentric citizens. Almost any occasion can serve as an excuse to take to the streets, wander around, and party in public. Examples: Bay to Breakers, the annual gay pride parade, random street dances sponsored by the city. • Marina • Hangout spots: Sleek, sexy bars on the smaller side; cozy bars with vintage posters and handwritten menus; a few dive bars. Most don’t charge cover. • The crowd: Beautiful people with the attitude to match. Well-paid professionals, lifelong frat boys, and the well-dressed women who love them. Expect less dancing, more mingling. • Where to go: Circa (music), The Matrix (atmosphere), Horseshoe, Tipsy Pig, KT, Bar Non • Polk Street • Hangout spots: Neighborhood bars with a lot of character. Most don’t charge cover. • The crowd: Young professionals looking for fun in a casual, laid-back atmosphere. • Where to go: Start at Tonic on Union Street and work your way toward the Civic Center. • North Beach • Hangout spots: Full-on trendy dance clubs, squeezed into small places. Expect pounding music, trendy décor, and little breathing room. Most places charge cover ($5-20) which can sometimes be negotiated depending on the guy-to-girl ratio of your entourage. A ton of small, interesting bars are hidden in the surrounding streets. • The crowd: Young professionals, students, out-of-towners. Anyone who wants to get crazy. Lots of birthday parties and bachelorette parties are hosted here. • Where to go: (Dance Clubs) Dragon Bar, Apartment 24; (Bars) Dell’Uva, La Trappe, Church Key, Kells • SOMA • Hangout spots: Mega dance clubs in large spaces with 2 or more floors. Platforms, stages, and state of the art sound systems. Lines can be long and most places charge cover ($10-20). • The crowd: Club kids, cool people, a diverse mix of professional partiers. For some reason, a lot of Googlers show up here. • Where to go: 330 Ritch, Temple, Manor West. The legendary Bootie SF is held every 2 weeks at DNA Lounge and has been known to attract partiers wearing pajamas and/or fuzzy animal ears. • The Mission • Hangout spots: Dive bars with loud music and unique décor ranging from retro beauty parlor to classic arcade games. You can find anything here, as long as it’s not hip-hop or Top 40. • The crowd: Hipsters, perpetual grad students, young professionals aspiring to be hipsters. Typical outfit: a polka dotted housedress with vintage 1920s hairpiece and pearls; vintage t-shirts with clever slogans. For those who just want to drink in anonymity, jeans are also acceptable. • Where to go: Beauty Bar, Elbo Room, Double Dutch, Amnesia

33. Bay Area Sports Teams San Francisco Giants: Your San Francisco Giants play at the beautiful AT&T park, located on the Embarcadero in South Beach. Giants games are great fun—be sure to sit in the bleacher seats if you hope to dine on a cha-cha bowl. Oakland A’s: The A’s play across the Bay at Oakland Coliseum, which is just a short walk from the Coliseum Station BART exit. San Francisco 49ers: The legendary football team of Joe Montana and Steve Young (which has, admittedly, struggled in recent years) can be found at Candlestick Park. Oakland Raiders: If you prefer the AFC, you can also cross the Bay to the Coliseum to see the Raiders take on the likes of the New England Patriots and Pittsburgh Steelers. Golden State Warriors: Basketball fans can witness the high-powered Warriors’ offense at Oracle Arena in Oakland. San Jose Sharks: If hockey is your sport of choice, be sure to head south to the HP Pavilion to get a taste of winter in the Bay Area.

34. Other Events Bay to Breakers: Every third Sunday in May, 70,000+ San Franciscans hit the streets to participate in this highly-entertaining 12K footrace. Colorful costumes, kegs on wheels, and other oddities abound in this fun-filled event. Fleet Week: One week every October, the San Francisco office literally quakes as Navy Blue Angels pilots complete practice runs over the downtown skyline. Once the weekend arrives, you can walk to the Embarcadero to watch the full Blue Angels show, or catch a glimpse of the array of visiting Navy ships. Even if you don’t make it downtown, you’ll be sure to know its Fleet Week from the packs of sailors roaming around all major nightlife areas! Chinese New Year Parade: Named one of the world’s top ten parades, this celebration is the largest of its kind outside of Asia. Be sure to come see the spectacular costumes, floats, and 201-foot human dragon! The Great San Francisco Pillow Fight: If you feel the need to work out some casework aggression, grab a hold of your bulkiest down pillow (no couch cushions or synthetically-stuffed pillows allowed) and be poised to strike at 6PM on Valentine’s Day in Justin Herman Plaza. This free-for-all seems to grow more chaotic with each passing year...

35. Arts & Culture • Museums • San Francisco has many great museums. Be on the lookout for special nights with different events and free admission! • San Francisco Museum of Modern Art - www.sfmoma.org • The Mario Botta-designed building is a work of art in itself. This museum is especially popular on the first Tuesday of the month, when admission is free. • De Young Museum – www.famsf.org/deyoung • A favorite of San Franciscans, the De Young is located in Golden Gate Park and has a diverse permanent collection ranging from American painting to African art and often draws great temporary exhibits. Admission here is also free on the first Tuesday of the month. • Palace of the Legion of Honor – www.famsf.org/legion • The Beaux Arts building overlooking the Golden Gate Bridge is worth the trip in itself and looks like it was dropped in directly from Paris. • Exploratorium – www.exploratorium.edu • A hands-on museum of science, art and human perception located in the Palace of Fine Arts in the Marina. • Asian Art Museum – www.asianart.org • One of the largest museums in the western world devoted to Asian art and culture. Located in the Civic Center, its easy to access via public transportation and is free on the first Sunday of the month. Palace of the Legion of Honor De Young Museum

36. Arts & Culture • High Culture • The San Francisco Symphony (www.sfsymphony.org) plays at Davies Hall in the Civic Center. • The San Francisco Opera (www.sfopera.com) is located across the street in the War Memorial Opera House. • The San Francisco Ballet (www.sfballet.org)was the first ballet in the United States to premiere the Nutcracker Suite. • Theater & Dance • The San Francisco Shakespeare Festival offers Free Shakespeare in the Park at Golden Gate Park in early September. (www.sfshakes.org) • There are many smaller dance companies in The City, including ODC and Lines Ballet. • For a general list of events, check out SFWeekly, a free newspaper, as well as SFStation online (www.sfstation.com). • Live Music Events • Every Sunday evening in the summer, free live music concerts are presented at Stern Grove. • In the fall, Hardly Strictly Bluegrass presents a weekend of free live music in Golden Gate Park. • Also useful are the email ticket alerts available at Ticketmaster (www.ticketmaster.com) and Live Nation (www.livenation.com).

37. Day Trips • While there is plenty to do in San Francisco on the weekends, everyone enjoys getting out of the city every once in a while. The Bay Area boasts a wide array of day trip opportunities, from its mountains, beaches and federal and state parks. • Getting around: While some destinations are accessible by BART and ferry (to Marin), realistically a car is much more convenient. You can always rent from standard car rental places (accumulate Hertz points from your cases) and Zip Car is also a cheaper option if you use the service more than once. • Summer/Spring • Ferry Trip: Board a ferry at Fisherman’s Wharf, which can take you to Alcatraz, or scenic islands like Tiburon or Sausalito. • Hiking: Marin offers plenty of fantastic hiking at both Mount Tam State park and Muir Woods National Monument. Farther north in Marin, Point Reyes National Seashore offers breathtaking views and wildlife sightings. • Wine Tasting: Head to Napa or Sonoma, which are just 1-2 hours away by car. You can also hire a car to drive you around. • The Beach: Baker and Ocean Beaches are right in the city and can be reached via Muni. For a true beach experience, head to Santa Cruz an hour south and watch the surfers from the boardwalk. • Winter • Skiing: Lake Tahoe has world class ski resorts, and is just 3-4 hours away by car. Tip: Marsh & McLennan has membership to the Working Advantage website, which gets you ski tickets to many mountains in California. • See “Summer”: The benefit of year-round awesome weather is that you can pretty much do anything at anytime. • Head to LA: That said, the winter is also a great time to visit Southern California, where it’s still 70-80 degrees. The drive is 7-8 hours, but flights are cheap and take less than an hour. If you drive, you can stop along the way at scenic seaside towns like Carmel, San Luis Obispo and Santa Barbara.

38. Got Everything? While we hope we covered a lot of the basics, we know you’ll have many more questions once you start. The important thing to do is just ask. Yes, there are such things as stupid questions (don’t let anyone tell you otherwise), but nobody will remember them for more than an hour, so you might as well ask. We leave you with some sagely advice from current GCG at Oliver Wyman: “Ask ask ask. If you can't figure something out after 5-10 minutes, ask someone near you or shoot an email to someone. Chances are, someone has the answer and will be glad to help.” “There are two types of consultants in this world, those who love PowerPoint and liars.” “Girl/Boy in a bar: What do you do? You: I model.” “Consulting years are like dog years.” “Eat well, drink well, the Consulting 15 is inevitable.” “Learn to use your PowerPoint toolbar buttons--they will revolutionize your life.” “Staffing is your best friend in this place - be ‘can do’ and low maintenance (no matter how many times you end up working in Timbuktu).” "No matter what your case manager says, you do not have to go 'two-to-a-bed' to stay under budget." “Don't be shy. The people at this firm are fantastic, and it's worth getting to know every one of them.” "If you go on long haul, be sure to leave a lot of your crap in and around your cube so they don't give away your desk while you're gone."