“I worked hard to move up in the company and I learned early on, that whatever job you have, whether it’s an entry level, supervisory or management level, you have to be willing to do the hard work. Show up, even when you don’t want to. Stay late to complete the day’s work, do all tasks assigned and all this with a smile on your face.”

Annmarie T. Muna, president and general manager of AM Insurance, speaking during her University of Guam class of 2019 commencement speech on Dec. 22.