Retiree luncheon photo

Perhaps in mid 1990'?       I used to hear a retiree luncheon (but with some not yet retired) getting together somewhere in New Jersey.        Ralph Gigi who was not yet retired at that time suggested that I join the luncheon but I always declined saying I was too young to retire......!         Thanks to Nick I have this photo with  familiar faces.

Sydney Fowlds, Mario Rufino, Bill Salzman,?, Ralph Gigi, Nick Profeta, John Randolph, Victor Tkaczenko, Rudy Thornhill, Chuck Kreiner and Enrique Levy