Following a successful career in commercial insurance; from the mid-1990s Terry has focused on his passion for researching and developing thin film thermal management systems. His research efforts began with paints and coatings for hard surfaces such as industrial machinery, building envelopes, rail cars, electronics, and automotive. Then progressed to applying the technology to textiles in 2010, earning US Patent 9,005,748 in April 2015 for his Solar Off-Loading Technology (SOLT). He continues to expand the reach of SOLT into the textile arena with offerings for military, recreational, industrial and automotive applications.