Congratulations, you are now eligible for Wisconsin Medicare the Federal government consist of social protection as well as deductions for B of Medicare. Listed below we will certainly give you a quick synopsis and overview you with the primary steps of comprehending the Medicare alternatives offered to you. Under no circumstances is this a complete review. In order to entirely recognize the advantages you will receive under Medicare, reviewed the extensive brochure for elders “Choosing a Medigap Plan: A Guide to Health Insurance for People with Medicare”.

Original Medicare parts A & B

As we know it, there are 3 parts to Medicare-Part A, B and also D. Managed by the Federal Government, Component A (healthcare facility insurance policy) covers inpatient healthcare facility expenses and also helps cover proficient nursing facilities, hospice and some house health care expenses. Medicare Part B covers medical professionals as well as solutions, outpatient treatment and also some preventative solutions to aid maintain your health when you are ill. The premium for Part A is $443.00 monthly and also unless you are disabled or have survivor advantages from a partner that was covered by Social Safety, these expenses coincide for everyone as well as part of the benefit. Component B premium starts at $96.40 (may set you back even more depending upon your annual revenue) as well as is taken out straight from your social security check. You can opt out of Component B coverage if you pick. Both A (healthcare facility advantages) & B (Doctor as well as medical benefits) have deductibles, co-insurance/co-payments, as well as maximum advantages with extra lifetime book days. There are voids in the government plan as well as repayments you will certainly be straight responsible to pay. Choosing an extra strategy from a private insurance firm can cover component of these gaps.

Medicare Prescription Drug Protection (Part D).

Area D, contributed to regulation reliable January 1, 2006, was enacted under the Shrub management and also is moneyed with taxpayer bucks. If you had a Medicare plan before January 2006, you might have a Medicare Supplement plan that includes drug protection. If you are brand-new to Medicare, you may choose a different prepare for medications. There are two means to buy a Drug plan-as component of a Medicare Advantage Strategy or a different Medicare Prescription Medicine Plan. Given that Part D supplies fundamental coverages with big deductibles as well as co-payments, besides premium distinctions, these medicine supplementary plans must offer Formulary or Common Medicines in every category of treatment. Making a decision which drug plan is best for you might be challenging. Recognizing your medications and also dosages before choosing the strategy is valuable. For authorized medicine strategies have a look at the division of insurance policy website in your state.

Medicare Advantage Component C Plans.

Consisted of in the summary of Medicare is Component C, which you could think is an additional benefit you get– it’s not. Component C is insurance coverage you can select instead of conventional Medicare. Offered by private insurer, Medicare Advantage Plans (MA) are exclusive strategies that are approved by the federal government. Picking a MA plan indicates you will certainly decrease insurance coverage via traditional Medicare. The insurance company has extensive policies and also laws to follow as well as can be suspended for deceptive material or offenses. An independent representative should be licensed separately to offer Medicare Benefit Program since they are perceived to be an expansion of the Federal Government. These strategies can be HMO (Health Care Organizations), PPO (Preferred Provider Organizations), PFFS (Private Cost for Service), MSA (Clinical Financial Savings Accounts, or SNP (Special Needs Strategies). With MA plans, you will not buy a Medicare Supplement strategy since the extra benefits will be included in the Component C, MA strategy.

Which plan is best for you? Listed here are a few of the distinctions in between Medicare Advantage (MA) as well as Medicare Supplement (a.k.a. Medigap) strategies.

The Physician you choose.

Your real selection with a MA versus a typical Medicare Supplemental strategy is to make sure you get the physicians as well as health centers you desire. The majority of MA strategies are local and also the insurer might not use a MA strategy in your postal code yet might provide a Medicare Supplement strategy in your area. MA prepares mark the hospital as well as the medical professional you need to see. If you like HMO plans, you would possibly be satisfied with a MA strategy. If you like to select your own doctor and also health center, you would best be served with a PPO/Medicare Supplement strategy. Many medical professionals will take Medicare clients however are out the listing to take Medicare Benefit clients. Do your homework initially and also figure out what type of plan your physician will certainly honor.

Surefire Issued Policies.

A legislation purely regulated with Medicare is Guaranteed Concern. You are qualified for Medicare, Medicare Supplement or a Medicare Advantage strategy also if you have illness (preexisting conditions) the initial month that you are qualified to be covered under Medicare Component B age 65 or older. Nevertheless, this assured concern right is good for only 6 months after you are eligible. Afterwards the insurer can underwrite your medical history as well as you can be refused, excluded for preexisting problems or surcharged. If you are covered under a team clinical insurance policy program at your work after you are qualified for Component B, you can wait until your group strategy mores than before you choose a supplement or MA plan, guaranteed provided. You are needed to provide evidence of registration of Medicare Part An and B in order to purchase a supplement. (There are a few various other exemptions for guaranteed concern.) In any case, if you plan on choosing an additional plan to fill in the spaces of Medicare or you wish to take a Benefit plan, you are best to choose the protection when you are very first eligible or when team advantages end with your employer.

Medicare Supplement Plans (Medigap Plans).

Medicare Supplement plans are readily available to fill out the gaps of typical Parts A & B. These plans are standard and also called Plans A via L as well as must use the same benefits, regardless of which company markets the plan. Not all business sell A – L. Premiums and also acquired doctors and hospitals are generally the significant differences in these plans. Strategies F & J supply the riches protections for Medigap plans and likewise cover foreign traveling emergency situations which might be important if you travel outside the United States. The Department of Insurance coverage in your state can provide a listing of firms that supply Medicare Supplemental strategies. These supplemental strategies are usually much less than $180 monthly relying on the business you choose and also most physicians that accept Medicare will accept the supplementary plan advantages you select as long as the strategy is not an HMO or MA strategy. Once more, seek advice from your medical professionals invoicing department to ensure your strategy will be accepted prior to your final choice.

Medicare is the US Government’s government carried out nationwide government insurance program that was established in 1965. Americans that are 65 years old or older are ensured accessibility to health care with this program. However, more youthful people with specials needs or who are in the end phase of kidney disease are covered by Medicare. Medicare benefits are broken down right into 4 groups as complies with:.

– Part A – health center insurance coverage.
– Part B – clinical insurance policy.
– Part C – Medicare Advantage strategies.
– Component D – prescription medicine plans.

Component A covers any type of hospitalization that is called for while Component B covers check outs to the doctor in addition to any kind of clinical devices that the individual might need. Consequently, there are gaps in these coverages which can be covered by either a Medicare Benefit or Medicare Supplement plan.

Private business use Plans that work with Medicare and also often consist of prescription coverage. They can be HMO’s, PPO’s, or exclusive solutions but they will not negatively affect you regardless of obtaining Medicare advantages. Second health insurance policies connected to Medicare insurance coverage are known as Medicare Supplements. They are likewise referred to as “Medigap” plans which are standardized by the Federal Government. Similar To Medicare Benefit Program, Medicare Supplements also work with Medicare.

Both sorts of plans are similar to each other with specific aspects, yet there is also a significant distinction between them in addition to many different options. They offer extra coverage to your existing Medicare, however one of the key distinctions is that Medicare Advantage costs are generally less than Medicare Supplement strategies. They consist of advantages and prescription drug insurance coverage that your original Medicare does not. Out-of-pocket expenditures are also greater.

There are particular solutions that Medicare Supplements do not cover and there is no service provider network with Supplement strategies whereas there is with Benefit plans. Although there are supplier networks, you will pay added expenses for going beyond that company network. An additional considerable difference in between Advantage and supplement insurance coverage is that Advantage plans limit the times during the year that you can enlist in one of their plans.

Conversely, Supplement strategies enable you to sign up whenever you desire throughout the whole year. Lastly, you are required to have both Medicare Parts An and B in order to enlist in Medicare Advantage as well as Medicare supplement plans. Even more info regarding either kind of plan is offered at Medicare’s main internet site. You ought to speak with a licensed professional from an independent insurance broker prior to making any type of decisions.

Because January, countless elders have actually enrolled in the new Medicare Part D prescription drug advantage plan the task of choosing the most popular Medicare supplement companies plan might seem complicated and also can typically be puzzling for seniors even after they have signed up.

The decision to get involved is essential, and also cautious factor to consider is essential to make sure a plan is picked that ideal meets a consumer’s requirements. To obtain aid in discovering the best plan, senior citizens as well as caregivers may intend to consult their neighborhood pharmacologists, who are the most obtainable members of the health care shipment system. Numerous pharmacologists are specifically trained on just how to explain the Medicare Component D medication benefit to their customers and also can aid assist elders through the process.

” Over the last several months, we have actually helped several clients to assist them much better recognize their selections under the Medicare Component D drug advantage. We will certainly continue our efforts to aid consumers function their way via the multitude of options available to them,” claimed Matt Leonard, Elder Vice Head Of State of Drug Store at CVS/pharmacy. “One of one of the most crucial actions when choosing a plan is to ensure existing prescription medicines are covered, as well as your local pharmacologist is a great source for that.”

Due to the fact that health needs can transform rapidly, a Medicare Part D strategy might be proper also if a client’s expenses as well as variety of prescriptions are presently reduced. When a decision has been made to register in a particular strategy, the following truths should be considered to make certain a smooth procedure:

• – Clients that register in a strategy after the May 15, 2006, deadline will certainly pay higher premiums, and also their next possibility to enroll will certainly not be till November 15, 2006.

• – Submit your registration application to the insurance coverage strategy of your choice as very early in the month as feasible. By doing this, there suffices time to mail out your new Medicare Prescription Drug Card and enter you right into the system before your coverage begins on the first day of the following month.

• – When very first using your brand-new Medicare Prescription Medication Card, order your prescription refill while you still have a couple of days’ supply remaining. This will certainly make sure that you do not lack your medicine if your pharmacologist needs time to study and also fix any kind of problems referring to your brand-new Medicare coverage.

Medicare Part D can significantly benefit seniors who make the effort to make a notified choice. Along with tailored support from a pharmacologist, Medicare Details Centers are available in all CVS/pharmacy stores. The Centers clarify how Medicare medication plans will function and also aid customers in choosing a strategy that best fulfills their needs.

Finding a One-Call Sugar Land Appliance Repair is going to be your smartest choice when you have appliances which are malfunctioning. You will realize that after the repair, the appliance can still endure for a lengthy moment. Consider more fees Part of preparing for the repair is to stay away from additional fees. You must also opt to have the faulty repair either by a big repair line or by a little family enterprise. More elaborate refrigeration repairs like replacing an awful compressor or replenishing low refrigerant can cost more because of expensive components and greater labor.

Be in a position to spot the problem The very first step when dealing with a repair is to do your very best to identify the issue correctly so that you understand what you are handling. As soon as it’s great to make repairs by yourself from time to time, it’s never worth damaging your oven and causing the demand for additional repairs later on down the street. All our appliance repairs are created in your house, and are equipped with the most economical and competitive rates, with same day service available for residential, and industrial appliance restoration. It is probable that kitchen appliances will probably require electronic appliance restoration.

The Little-Known Secrets to Appliance Repair

If you are employing the technician for your refrigerator repair simply because of the very low repair fees, then you’re surely going on the incorrect road. Skilled technicians always gain from the lucrative opportunities out there. A seasoned technician will also assist you in deciding whether to receive your gadget serviced or to receive it replaced. Regardless of what brand of appliance that you have, we’ve got the technicians who can repair it. When you discover the correct technician for your particular appliance part-servicing demands, you do not just save precious time, you also stay safe and spend less.

The Importance of Appliance Repair

The Brandon services have produced the answer for the exact same. You will absolutely adore the service which you’re getting as well. In the event the technical service you called is inexperienced then it won’t only charge you extra but also they won’t have the ability to resolve the issue. Bearing in mind the significance of appliances in our everyday lives, an individual should understand how important it’s to employ the expert appliance repair services whenever something went wrong. Select quality services Finding premium quality appliance repair services isn’t nearly as hard as it once utilized to be.

Up in Arms About Appliance Repair?

For major flaws, you’ve got to call an organization who can resolve the machine. If a company doesn’t appear to care about the precise nature of your requirements, it could be a scam. Appliance repair businesses are very common today and it’s almost simple to locate them.

Appliance Repair Ideas

Our house is the location where we can easily carry out every job. Clean out the entry area inside and out so nobody tracks anything into the new residence. After the technician visits your house for repairs keep your kids and pets away from the room.

Purchasing a new one might be expensive whereas repairs can still save appliances at a less expensive cost. The appliance can be readily repaired by taking to the service that too with no price tag. Home appliances are broken up into several places. They are necessities in the home. Among the appliances in your house that could possibly cause the biggest issues is your dryer.

Introducing Appliance Repair

Our appliances needs to be correctly taken care of so they would be in a position to perform as though they continue to be excellent as new again. For instance, you will use appliances at your house for heating, drying, washing, cutting and cooking. In the event the appliances go out of order at the close of the month, then it’s problematic for the users to obtain new appliances. If you may restore your appliance all on your own, then nothing is far better than that as both your time and your money is going to be saved all at the very same moment. Personalized service you may trust on all important appliances. The majority of the moment, it is worth it to fix the old appliance.

Appliances are made to help you do common, everyday tasks effortlessly. In case the appliance helped you to receive a work done within minutes, you will wind up doing it for hours through the manual approach. If our appliances may still be fixed, then it would be best if we’re ready to do so as it would certainly be able to help us save lots of money. In case you have any other appliances which aren’t functioning well you may also have them checked while the technician visits your residence. The new appliances are observed in the marketplace and they’re able to be purchase online also. There are lots of people, who intend to get the new appliances.

Facts, Fiction and Electricians Fort Worth

Our organization is committed to serving our clients and ensuring they receive high-quality assistance. Our electricians Fort Worth can come out to your property to make certain that you’re well cared for and that you don’t have any areas of waste in your house. Our electricians are wholly trained, qualified and certified to manage the electrical issues that can occur at your premises.

Our clients love us not just for our understanding and expertise, but in addition for our quick, on-time provider, and our superb degree of consumer care. While providing you with the electrical services that you need, we’re also devoted to treating our clients with care and respect. It is essential for clients to understand that Fort Worth attorney fees are not the same as costs, and clients could be accountable for certain costs related to their case, like the filing fee for the lawsuit, even should they lose. Finding a referral from an attorney also aids in gauging the experience of a lawyer. It will definitely help an individual’s decision-making process easier. It is advised to request a referral before employing the help of Fort Worth attorneys.

In order to learn about their reputation or competency, individuals can get in contact with their buddies, relatives, or even their general practitioners. It is wise for individuals facing deportation or removal difficulties, to get in contact with Fort Worth immigration attorneys immediately. To locate the very best Fort Worth attorneys, individuals need to do plenty of research. Before choosing one of the best Fort Worth attorneys, they have to check into their credibility and experiences, even though their fees may be high.

Type of Electricians Fort Worth

When you’re in need of help most, we can offer you with repairs and solutions. If that’s the case, then you’re able to count on us to aid you with your personal or professional electrical needs. Regardless of what type of house you own, we’ll be more than content to supply you with help to find the the majority of your energy usage.

Electricians Fort Worth Secrets

If you were searching for the very best shopping location in the us then Dallas Texas is the place to see. If you reside in the Fort Worth area and would like to learn how to fly then you want to give Sycamore Strip a close appearance. It isn’t hard to find a lot of wide open places, parks and lakes to relish. In some areas you’re close to anything you want, but it feels like you’re in a little town. Though the city is already large in population and company wise, since the city keeps growing, the range of businesses found in the city will continue to expand.

The Upside to Electricians Fort Worth

If it comes to protecting your house, you require an Electrician that knows what things to look for! Such homes are perfect for individuals who only need to swiftly purchase a great house, with the most well-known choices and upgrades, and continue in a soon a possible. Quick move-in homes are a fantastic bargain and in Fort Worth, you have lots of move-in ready homes to select from so you’re certain to get a the house you’ve been on the lookout for. Dallas-Fort Worth Texas luxury homes are a few of the most sought after in the country. Just take the opportunity to do a bit of research and you will discover the ideal apartment that provides the amenities you’re looking for. You may pay slightly more then the cheaper standard apartments but you’ll quickly see it is well worth every penny. If you are making a new room or building on a sheet of land that you have, we’ll work with the other contractors to ensure you’ve got the building finished and running with power in time.

The Electricians Fort Worth Pitfall

You are able to learn more concerning the tax attorney you’re going to hire from referrals also. It’s therefore important, your attorney is specialized not just in taxes, but additionally in laws linked to Fort Worth specifically. Fort Worth attorneys offer their customers a full selection of legal services. The very best Fort Worth attorneys provide their customers with a comprehensive selection of legal services. Fort Worth immigration attorneys can provide clients assistance with visas, a typical problem linked to immigration.

Clean carpets are a must in any home. One of the best ways to help ensure your flooring is clean is to hire Chem-Dry. Keep reading this article to figure out what you must know.

There are many carpet cleaning companies popping up because of the availability of portable machines, so make sure that you hire someone that is qualified to do the job. The best way to do this is to ask for licensing information, insurance and references. This will help you hire someone that is fit for the job.

Salt is an efficient and affordable product you can use to clean your carpet. Salt will absorb liquids such as wine or grease. You should pour enough salt to cover the stain and wait a few minutes. Most of the stain will be absorbed by the salt if you react quickly enough.

As soon as you have a new carpet installed, be sure that you wash it. In some cases, carpets are full of chemicals that maintain showroom quality. Get rid of these chemicals by having your carpets professionally cleaned.

When thinking of hiring a cleaning company to clean the carpets in your home, check to make sure they have a valid business license. Some companies believe that because carpet cleaning is unskilled labor, they do not have to have a license to operate a business. This can come back to haunt you if there is an issue with the work they do in your home.

When hiring a carpet cleaning company, ask if the technicians have to undergo any formal training. Many companies use specific methods and products, and you want to make sure the technician knows how to use those things properly. Misusing chemicals can damage your carpets, and methods that are not used correctly can lead to carpets remaining dirty.

Professional carpet cleaning companies have the right accessories for each job. Some carpets are very delicate and need specific equipment to be used in order to clean them right. If you do not use this equipment, you could damage your carpets and cost yourself more money in the long run. Better to hire a professional who can do it right the first time.

When talking to a carpet cleaning company, ask for referrals. If they are unable to give you names of people that were happy with their service, you may want to look elsewhere. If you get quite a few names of people that were satisfied with the work done by the company, you might have a winner.

Know your options when it comes to the cleaning process your cleaners will use. Consider the drying time, the type of chemicals to be used and if you are looking for eco-friendly products to be used. Once you know the process you want, you will be able to narrow down the companies and find one that offers it.

Make sure you know what services and products are included in what you are paying. You don’t want to find out later that the cost you paid does not include the services you need. Don’t let them do this to you. Know upfront what you’re getting into.

Consider hiring a professional to clean your carpet once a year or if you are dealing with though stains. Compare different professionals and ask for quotes before you decide to hire one. Your carpet will look brand new and keeping it clean will be much easier after a professional treats it.

Find out if the carpet cleaning company offers any additional services that you may be interested in. Many carpet cleaning companies also clean upholstery, drapes and may offer other services you desire. If you need these services, the price could be lower if they perform them while they are out cleaning your carpet.

When you hire a company to clean your carpets, you are essentially allowing strangers into your home. Make sure to stay safe when they arrive. Don’t stay home alone, but do make sure that you are there to watch as the work is done. Also, don’t give them a spare key!

Ask the companies you’re considering hiring for your carpet cleaning whether or not they are a member of local industry associations. If so, ask them what the associations have offered them and if they use them to further their education. Many associations offer classes on new techniques which can better the company’s services.

Ask about the company and its history and experience. Check to see if they have existed for a long time. Also, ask questions about the employees and their satisfaction on the job. This will give you a good picture of the history for a company.

Always get information in writing prior to allowing the cleaning company in your home. The contract should specify what areas of the home are to be cleaned, what cleaning products are going to be used, and how much the job will cost. If the cleaning company will not give you a written contact, do not use their services.

You should ask professional carpet cleaners for a list of references. If they do their job well, they should have no problem with this request. Avoid putting too much stock in this though, as they will clearly not provide you with the information for dissatisfied customers.

Upholstery Cleaning

Once you find a good carpet cleaning business, find out what other services are provided. They can also clean furniture, so look into this if it is a service that you need. Many times you can find a company that offers a special on upholstery and carpet cleaning.

Ask about any additional services that are offered by prospective carpet cleaning companies. Most will offer upholstery cleaning for an additional charge. Some companies will also include services such as cleaning your porch, patio and grout. This will save you from hiring multiple companies to provide you with these services.

Most people worry about how clean their floors are. For picking a great professional cleaning service, you need to know what will work for your home and what makes a good service. If you have luck, the article has given you the information you need to confidently proceed.

We are an interfaith coalition seeking to raise a prophetic voice on issues of racial, economic, sexual and gender justice, and also be an alternative voice on war and peace.We have gathered a Steering Committee of religious leaders from Muslim, Jewish, Christian (Roman Catholic and Protestant), and Buddhist traditions. We are leaders of local congregations, Washington based policy advocates, teachers in college and seminaries, and organizers. We are agreed on the cluster of issues named above and hold them in equal importance.1. The recruitment of this Steering Committee was the first major accomplishment of the PRP.2. The second was the hosting of a Town Meeting in Washington DC at the historic Metropolitan AME church in which these major issues were discussed by panels of our Steering Committee.3. The third accomplishment was the mounting of this web site which will, as the organizing develops, become a major source of information about organizing on the progressive side of the religious community. We will have resources available and will host interactive “meetings” to bring into virtual community progressive religious activists around the country.4. Now the fourth programmatic project is the development and circulation of a “Spiritual and Ethical Report Card.” This seeks to bring “the war on terrorism” into the searching light of God’s judgment. The Report Card confesses that “we are too frightened and partially demobilized by the magnitude of what our country has been going through. It urges that we…seek each other out, as citizens and as children of one God, in order to share strength and wisdom.”We seek continually to find those who share our perspectives, commitments and calling. And we seek support for these efforts toward the end of being able to employ organizers, lobbyists and voices of courage to build this movement. We envision grassroots local and regional affiliates. We need your ideas, your energy and your leadership. And we need your support. You may provide us your name and contact information and you may provide financial support elsewhere in this site. We also welcome your thoughts, proposals and critiques. If there are ways we can support your efforts let us know. We are not a grant funding organization but we have other kinds of resources available. Be in touch._________________________Interfaith Organizing Against the Iraq War Read and sign the Statement of Conscience prepared by the PRP.• View our growing list of signers.• Local Anti-war Action• Call to Resist War and Affirm Human Rights

The following report was prepared by the Rev. George Regas, convener of the Progressive Religious Partnership. It updates us on recent past and upcoming PRP activity. George has concentrated like many of us on local and regional organizing. His efforts in southern California can be seen at the web site of Interfaith Communities United for Peace and Justice at http://icujp.org/. This report invites help and support. Let us know if you can help by sharing comments in the Online Forums on this site.

REPORT OF PRP ACTIVITIES
• We had a hugely successful meeting in Pasadena around President Bush’s State of the Union Address. About 450 people were together at All Saints Church to watch the television address; superb panel responded brilliantly and critically to the President; and the audience had the opportunity to express their frustrations, concerns and hopes. There were suggested programs and events into which this passion could be funneled. We had very substantial press coverage.

• With 9/11 and its aftermath, the war against the Taliban in Afghanistan, and the Iraq War — I have put my energies into building interfaith collaborations for peacemaking.

• I have had three preliminary interfaith gatherings in Washington DC in preparation for the June collaboration at the Washington Hebrew Congregation. They were extremely helpful.

• June 8 and 9, 2003, 40 people from Islamic, Jewish, Buddhist and Christian communities of faith gathered at the Washington Hebrew Congregation. It was challenging and richly rewarding. Jonathan Schell was with us as a teacher and resource person for these deliberations.

NEXT INTERFAITH GATHERING
• We are in process of planning a second Interfaith Collaboration for Peacemaking. It will be held at the Islamic Cultural Center of New York — 1711 3rd Avenue. The dates are October 20 and 21, 2003.

HELP NEEDED
• I ask you to do two things: put this on your calendar and plan to be with us in New York. Let me know if you think this can work for you. Please send me the names of at least five people you think should be invited to the October collaboration. I need their names and email addresses. We plan to send invitations in mid-August — so please get me these names as soon as possible.

CLEARER FOCUS
• I regret being out of touch for so long. It grows clearer by the day that we are needed in the peace movement. There are many organized groups in the emerging peace movement today, and we are all participating in many of these efforts. However, there is a great need for a strong interfaith voice. Although there are streams of violence in all religions, the common ground of all of these faith traditions is the sacredness of all life.

• If we seek and find the cooperative power of religions to discern the root causes of war and to urgently pursue peace — we will be able to make an offering badly needed in this dangerous and broken world.

• I believe deeply in this work. We will be able to raise the interfaith collaboration to a higher level — but your help is needed in the recruitment and for any suggestions you have for enrichment.

Blessings,

George Regas