Hello Dr. Studin,

Just wanted to give you an update from my first meeting with an Attorney after a meeting we got using your system (much too easy.) They wanted to meet me as soon as possible. I went yesterday, have to be honest he took me off my game. Because the only thing he wanted to talk about was how he wanted to send me patients and all I did was say hello. I am assuming he was impressed by my CV and letter that we sent that you created as part of your program. I still felt like I had to talk about the educational articles, so we had a 45 minute conversation about Herniated disc vs Bulges, OA/degeneration, and low impact collisions. He definitely looked impressed and he has been in practice for 35 years. When I told him that I will stop by once a month to review 2 articles and review his files, his eyes lit up. By the way his daughter is an attorney and she sat in as well. She wanted to make sure I would refer out, took MRIs,...and then wanted to see my narrative she said it was perfect.

Never once did I ask for a referral as you have taught me, matter of fact I didn't even take business cards (not sure if I was suppose to). However, he wanted me to drop some off ASAP.

First experience with an Attorney was very encouraging. Thanks!!! 

Georgia

Personal Injury Testimonial #14

FROM: A lawyer to one of our doctors

Dear Dr. John:

Thank you very much for the report. I have seen many, many narrative reports over the years, and your format and content are superior. Now, at least I have a chance to go get a verdict, which is the only way trial attorneys are going to make any money in this climate. The days of settling for decent value appear to be over.

Thanks again for all your help with this file.

New Jersey

Personal Injury Testimonial

Hello Dr Mark. It has become necessary to cancel my membership with you for awhile. I will rejoin you as soon as possible. Your program has been very valuable to me this last year. I was turned over to my state board by an insurance co., for over treating but because of your program and following your protocols and documentation standards I was able to only get a slap on the wrist for some other minor infractions that I couldn't overcome. Also, Medicare has audited me with no penalties or problems. Please cancel my membership as of today. I look forward to working with you again as soon as I get back on my feet. Thank you, thank you , thank you.

California

Personal Injury Testimonial #16

Mark,

I visited with a new attorney (for me) today, this morning concerning a patient that I released Monday from care. I had already requested the other Dr's. records anticipating the release. I told the attorney notifying him of the release and I would have something to him by week's end. I burned the midnight oil so to speak to get this out. I finished last night. It looked great and i followed your narrative as an example. I walked into the attorney office and the receptionist said ill take the narrative to the attorney. I politely asked to see him, if possible to discuss some significant findings and review the case..

She said he is quite busy please wait.. she was gone about 2 minutes and I was thinking great I shouldn't have given it to her...

Then attorney walks to the front invites me to his office and said, "this is the most complete narrative, file and CV I have ever seen, I walked through, the case page by page, recounting everything. He said I will be able to send the demand in today, not wait till January like I was thinking. Thanks for your help, can I have your card, you will be hearing from me...

You made me look good and you deserve a big THANK YOU and yes I will be the best of the best if I keep following the best..

I have a ways to go... but I'm working on it..

Thanks again,

Idaho

Personal Injury Testimonial #17

Mark:

I have been handling some personal issues as you know, and I went to see an attorney on something that I needed some help on. I walked out with 3 P-IME's on a case that he has as I introduced the Plaintiff IME concept to him. He loved it. Not only did it get the cases, but I will be required to testify in the upcoming Arbitration in the next 90 days. The defense IME's were your typical they should have spontaneously healed in 3-5 visits type.

Just wanted to share. This is lawyer that I worked with in the distant past, and just decided to get his opinion on a personal matter that I needed some advice on, and in turn, I walk out with more than I came in with, and I now have a new office to add to the list of my growing referral tree.

Personal Injury Testimonial #18

Are you sitting down?

Dr. Mark,

I literally couldn’t believe my ears. First, let me tell you this… About 3 weeks ago I presented my narrative report to an attorney on a slip and fall case I was working on. Yes, presented This is an attorney I have never worked with before, so I wanted to take advantage of a few moments to impress with my narrative. Please understand, this attorney is a bit of a tough cookie. Just after my patient went for her last follow up with the neurologist (2 days after, to be precise) I received a letter from this attorney. The letter quoted State law and “demanded” a “final report within 10 days of this letter or I would be in violation… blah blah.” I immediately called her and briefly explained the chronology of symptomatology. She warmed up (a bit) and asked me to please get the narrative done ASAP and “send” it to her.

Now, back to the presentation of the narrative…

...After the presentation, I handed her my CV and told her I would be happy to review any other files she might have for any diagnostic dilemmas etc. She politely said “I’ll let you know if we ever need your help.” (good-bye forever, right?) BUT…

Today, I saw on the caller ID that this same lawyer’s office was calling me. I wondered if they were calling to ask me to cut my bill so they could settle the case etc. WRONG! They were calling to ask ME if they could buy ME lunch… and “where would I like to go!” Huh? What the…? The owner/lawyer AND the associate will be meeting me for lunch in two weeks. I don’t even know what to say… and I remember being scared to get started with my first attorney meetings… what a laugh. THAT WAS EASY. Don’t wait to “advertise” and find lawyers to meet with. Get your CV up to snuff, and follow Dr. Studin's Plan...I am still in shock how easy that was … Thanks doc!

Florida

Personal Injury Testimonial #19

Greetings Mark,

As you are aware, I have been in program for about 6 weeks or so, and at the onset of our conversation when I joined, I told you that I have been in practice for about 20 years and have always done a fair amount of Personal Injury business. I told you that I wanted to be the "Go to" Doctor in town and that was what attracted me to this program in the first place. So, in the beginning, you told me to read all the consultations, and then to call you. In the process of reading them, I also put together my C.V. and burned the thing that I used to call a C.V.(which is why no one in town ever saw me as the "go to" Guy) and produced a sample narrative report. After several revisions of the C.V. and the sample narrative I had some tools.

At this point, I understood some of the concepts, some of the material, started to know what I don’t know, and began to put together in my head how to put all of this material together in my head and get up the courage to actually go out in the Legal community and a present this.

As you will recall, I called you up and basically admitted to you that I was scared, laced with fear and knew in my heart it was time to just do it, but was afraid of making a mistake, or doing it wrong, or whatever excuse I wanted to come up with. Following that conversation with you, and with a strong push from you, I did my first presentation and had some success, and that was all I needed because then the reality that this program works took, over.

My hard work of reading the consultations, preparing the sample narrative, preparing the CV, doing the PI Bootcamp, as well as the MRI training, and soon to do the Crash Dynamics, has allowed me to start the process of becoming that 'Go to Guy". That is what it is, it is a process, and it is a learning curve, and you get out of what you put into it. I am better today that I was on the first presentation and I will be better a month from now that I was in today’s presentation.

On that note, let me tell you about today's presentation, I had lunch with three partners from a law firm that I have done business with for a long time. In my opinion, I have not done all that I could do with this relationship, up until today. We had a pleasant lunch, and I briefly created an overview of why I was there. We had decided to hold off on the information until we got back to the office.

Once at the office, I simply followed your protocols, etc, etc, In mid sentence I was told that they could use me as an P-IME on cases that they had with other chiropractors. I believe my mouth was probably wide open and my teeth may have fallen out, because I could not believe my ears. I never even mentioned the word P-IME, all I said was research and how it could be used. These guys got the big picture right away. I went on to discuss, chronology of symptomatology, triaging and timing as you taught me and they were loving this stuff.

Long story short, $122 for lunch for 4, 1.5 hours in the conference room, and their parting words, is we can see using you as a plaintiff IME for cases we have with other chiropractors, as an agreed IME to help settle a case, and we would like you to do a Plaintiff IME on the 25 or so outstanding cases that we have in our office. From this point on they want to follow the protocols that are part of this program, and believe that I am truly a resource for their office.

I am only in this program six weeks, and still have so much to learn, and so much to still digest, but for anyone who sits in fear like I did just a few short weeks ago, my suggestion is just keep reading, keep learning and when the time comes to make the first presentation, just go do it. They are begging for the information. The last words I heard was, I can see you have done a lot of work here and still stuff is great. As an office, you have changed out mind that you can’t use a chiropractor as an expert. Keep working hard is my suggestion, as if I can pull this off in six weeks, where will I be in a year.

Practice and Life just became fun again, and now I don’t have to buy into the "it’s a bad economy, everyone is slow" speech. The economy is good, and as of today, Prosperity, Growth, Happiness and Wealth are within reach, but as Mark says, you have to be willing to do the work to get there. Like he said to me on the phone moments ago, "You are living the dream."!!!!!!!! Come Monday we will be calling approximately 30 or so patients who will come in for examination and report and they are happy to pay the fee of $750.00 as it adds value to the case, as one of the attorneys put it. Some of these fees will be put on liens, etc, and will be paid at time of settlement. The funny thing about these guys is you don’t have to worry about reductions, as they see the value and rarely ask for reductions. It is all about my value to them and their case, just as Mark says.

California

Personal Injury Testimonial #20

Hi Mark, thank you for taking your time to help me get a quick start with the ‘P/I’ program. I have really enjoyed learning how to create a professional, and valuable CV that generates continuous referrals. The narrative report that we composed is very impressive and has already paid for itself 10 times over.

I used your 60 second ‘elevator’ introduction with an attorney last Friday; I said, "..." The Lawyer said, “That is very interesting, may I have your card, and I’ll call you.”

[ that was the entire 60 second conversation ].

Monday, the attorney called, and personally brought a client to my clinic. I showed him my CV, and described how I would coordinate and summarize all of the doctor’s reports, and “Quarter Back” the case for his firm. The lawyer said, “That is very interesting.”

He then scheduled another of his clients for evaluation before he left.

This program really works, I never asked him for a referral…That is the most fun that I’ve ever had with a Lawyer !

I appreciate your help and guidance. Yours in health and success,

Louisiana

Personal Injury Testimonial #21

Hi Mark, That was a great Lawyer’s Seminar video teleconference last night. All of the attorneys including Dr. Weiser (neurosurgeon who sponsored and attended) loved it. Dr. Weiser invited me to come to the hospital to go over some cases and look at MRI's. After the conference one of the attorneys told me that he was able to settle a case for what it was worth because of the information I had provided him at an earlier video teleconference (this was my 3rd of many more to come.)

I wish I could personally tell all of your members how well this works. I had been doing PI work for 23 years before I joined your group, and in the last 2-3 years and had so much fun teaching attorneys and treating patients the right way.

The video teleconference is the best and easiest way to get into the attorneys door!!! But you have to be credentialed and know your stuff!! Now I have to set up appointments for all the attorneys that came last night, 100% including the neurosurgeon want me to come to their office. My biggest challenge is to find the time to get to everyone as quickly as they want me in their offices...Can you imagine that?

Georgia

Personal Injury Testimonial #22

I have been working with CMCS Management for 3 months and today received 4 phone calls from lawyers that I never had a relationship with before. They requested information from me and using the protocols and scripts given to me, I instantly set up 3 meetings for next week.

Also, Dr. Studin had me re-do my curriculum vitae and he actually (personally) guided me through the creation of a professional CV. The multiple lawyers and rehab/nursing homes I work at have been overly impressed with my CV. I now understand why he had me do it.

New York

Personal Injury Testimonial #23

Hi Dr. Mark,

I've been with your program for several months (almost a year now), and have been meaning to write and thank you for the support, the energizing, the jolt that you gave me. It has certainly helped me increase my exposure in the legal community and the # of PI cases coming through the door. There is no question that your program works!! It is a breath of fresh air, in an otherwise stagnant or declining environment.

I've been in practice for twenty years, involved in PI since day one. 10 years on the Croft program (he's great), crash reconstruction and traumatology. I always sent out excerpts of medico-legal issues to lawyers and had a good relationship with a good number of them. But what your educational protocols, the CE courses, and your help with my CV have done for me is unparalleled. My presentations are demanded, not forced upon, and they could go on for hours, and sometimes, they do. Almost without exception, I get new referrals in the office, within a day of the lunch, frequently the same day.

My clinical protocols have become excellent, taking oblique's, for example, and insisting in reading the MRI films have made a big difference in the documentation and clinical care of the patients. Since taking the MRI course, I have been able to overturn a handful of "bulges" into what they actually were; herniations, based on the 90 degree principle, and simply reading the films myself. I called the radiologists and asked them to review the films while we were on the phone. You can imagine the lawyers response when they got the revised MRI report that said : "Based on the clinical information that Dr. Kxxxxxx provided me, a review of the images confirms that the discal anomaly at the L5-S1 segment is indeed a left lateral herniation..."!

So, Thanks for all the help, and I want to thank Alli also, who has been terrific!

Pennsylvania

Personal Injury Testimonial #24

Dr. Mark,

Hey Doc,

I'm sorry it took a couple weeks but I wanted to share the most recent event with a case I had to go to trial for.

This case was your average hit from behind "MIST" minor impact soft tissue MVC that the insurance company (State farm) was fighting. The attorney told me they gave a very low offer because the patient had prior insurance claims (prior accident and workers comp) and a laps in care ( a few months after the accident before tx) that worried the defense and patient/client.

Now based on information I have learned through your PI Bootcamp, MRI, and accident reconstruction courses the case was not too much of a challenge for me to decipher. The attorney has been very excited to put me on the stand after attending your attorney lecture you did down here for us a few months ago and since seeing my newly updated CV.

So the court case arrived a few weeks ago and while we were waiting in the courtroom the attorney went over with my CV to the state farm (SF) attorney and presented her with my CV and said he was not only going to use me as an expert on the chiropractic and physical therapy treatments and injuries, he was also going to use me as an expert in crash dynamics to relate the impact/damage to the patients injuries and asked if she had a problem with that. She acted confused and then my patients attorney turned to me and asked me to come over and explain my credentials a little more to her. After I did that, she did not object and we went back to our seats. The SF attorney then went outside the room, came back after a few minutes and wanted to talk to our attorney. They gave an offer more than 3X the original offer to try to settle prior to the trial. After our attorney deliberated with the client they decided to counter offer for more $$$. The SF attorney then went outside to call Sate Farm (SF) for approval and then came back with another offer approximately 5X the original offer and they settled!

The attorney clearly stated that this would not of happened if I had not been there and had a CV as powerful as mine...and keep in mind I have only been out of school for 3 years and 98% of my CV is your online courses!

Another note is that my clients attorney then stopped by my office hours later to thank me again and to inform me of the conversation he had with the (SF) attorney after the case was over. She said prior to her final offer when she was on the phone with her boss, State Farm researched my credentials and verified them online to make sure they were "legit" before trying to settle, which they were able to verify and then proceeded with the okay to offer more money.

Now my clients attorney wanted to still proceed with the trial with confidence he could've gotten more $ but the client was very nervous and wanted to settle. In the end everybody was happy and both the client and attorney were very impressed with me, my CV, and confidence.

I thank you Dr. Studin for what you do to make us be.... the best of the best!

Maryland

Personal Injury Testimonial #25

Dear Mark,

I wanted to take a moment and express some thoughts on paper about being in practice for awhile, having some success, and getting a little comfortable in life. I believe this is a process that happens to many doctors who have been in practice for awhile. Speaking for myself, I have always enjoyed many aspects of a Personal Injury practice, and all of the components that make up the medical-legal arena. Over the years of practice, which in my case is 20 years, I have convinced myself that I was above the cut, doing a better job than most doctors on my reports, my documentation, presentation of my Curriculum Vitea, as well as talking to attorneys, marketing to attorneys, etc. Over the time that I have been in practice, I thought I had earned a decent reputation in the medical –legal community.

I joined the Academy of Chiropractic, Lawyers PI Program when I read a description of what the program had to offer, having read an article in the American Chiropractor periodical. I was drawn to the website because it was written in a way where a doctor who has worked in the Personal Injury field for a period of time, and has had struggles with being accepted as an equal, or being taken seriously as the primary care doctor, among many other aspects of running a Personal Injury business. When you have been in business for a long time, you have a well-established radar up for things that don’t make sense, things that sound too good, and things that just sound like they don’t make sense.

After reading through the website information, and listening to the audio Message from Dr Mark, I realized that this organization understood the arena of personal injury and that I wanted to spend some time learning more about this organization. I then got on the phone with Dr Mark, and listened to his statements about how he could help me, and pre-warned me that this was not a quick fix, it was a get your hands dirty, and learn the business so that you can communicate with the legal profession in their language, not our chiropractic language.

After speaking to him for a very short time, I learned a few things. First, I had to make a statement to myself that went as follows: “ you don’t know as much as you think you know”. And if you are so smart and doing this so well, how come your business, life and career are not where you want them to be? “In short, it was time to look in the mirror and have one of the moments that makes you get out of your comfort zone and actually doing something that improves the situation. So, I decided to join the organization and begin to learn the business that I thought I knew well enough to succeed.

In that statement lies the problem; well enough to succeed. In this business you can’t be just good enough,you have to be the best. The law offices out there don’t just want to work with the average doctors, they want to work with the best. I decided that I had joined management groups that said do what we do an you will be successful, and found out that was not the answer because in the end, you need to put you in everything you do and if you own the concepts that are in your head, it is a lot easier to verbalize those, to write them in reports, to teach them to lawyers and patients.

To that statement, I believed when I signed up for this not more than a month ago, that this program could deliver the goods. I know what I have worked with in the personal injury business has worked for some law offices that I have a good working relationship with, and with others, it has not worked at all. It has been hit and miss, and that is how many of us practice and have practiced for most of our careers.

I again had one of those, Ah ha moments, and thought, it is time to change this environment that I live in, that other chiropractors live in, and learn all the concepts that one needs to be successful in the field of Personal Injury. It was at that point, that I told myself, I don’t know as much as I think I know, and it time to get off my butt and learn what I need to learn to be the best of the best in this field. At that moment, I chose to join this organization and make a commitment to myself and to chiropractic to make myself better at what I do.

So for the last month I have been reading day and night to learn and re-learn, and actually at time forget things that I have learned. I have not felt this alive in practice for a long time and I am excited about the growth and expansion, both personally and professionally that I will experience. I know that I am only doing the baby steps in this program so far, but it won’t be long before I am writing you back with experiences that only seem impossible a few months back. Thanks for relighting the flame and I look forward to becoming the ultra successful Medical –Legal expert that I thought I was.

In conclusion, this program is the real deal, which makes you the real deal, and is done in a way where you must put in the work, and time, and energy to reap the benefits. There is nothing free in life and this is no exception. Thanks Mark I appreciate you and the program.

California

Personal Injury Testimonial #26

The energy that I have been putting into the attorney marketing is paying off in one very important way. It is getting my foot in the door of a lot of attorney offices in my area. And because I am using Mark's system the attorneys are welcoming me back... no, they are demanding that I come back and share more of my knowledge with them and their staff. Three attorney offices, on my first day out marketing last week, asked if I would come back and do a large group presentation using Mark's "Medical Legal Information". The very least I have an open invitation twice a month to go back and meet with the attorneys and hand deliver the Faxes. I believe building the relationship with them is better in the long run than me just asking for work. I don't want to be a "one and done", I want all of their work for the next 10 years.

...I have my narrative, which Mark has helped me perfect, laminated and I walk them through it when I meet with the attorney or office manager. Every time they are in awe of the completeness of the narrative. Then I tell them to keep the binder handy, refer to it when they need to, and I will be back in 2 weeks to add more informational sheets. Every time they say thank you and that they would appreciate having me return with more educational material.

Allen, go get em'. If you are working with Mark you are already head and shoulders above the rest. Now it is time for them to know that.

Let me know how I can be of further help.

PS...My lunch meeting today with 2 attorneys went very well. I was surprised at the questions I was asking... all about admissibility, hearsay evidence, and then on to breakthrough ideas like... PLAINTIFF IMEs! Their eyes were opened when I began talking about it. And the younger of the two attorneys said, You know I WILL send over my next soft tissue case to you for an IME

California

Personal Injury Testimonial #27

Dr. Studin,

I wanted to send you a note to recap the last 4 years of my membership with the Lawyers PI Program.

I have been a member of the Lawyers PI Program for 4 years. Let me make this simple..since I have been a member:

1. My personal income has risen over 150% with my profits increasing monthly
2. I was a slow learner, but I started to get (more) new PI Cases at the 6 month mark
3. My PI Cases have tripled and have remained consistent for now, 4 continual years

Am I the best adjuster? Am I the best communicator? Am I the best business person? Probably not...but I am the best at following a plan that works.

I now have a clear strategy for both practicing and retiring that I could never have had before. In short, I have now completely changed my practice, my income and my outlook on the future with your $199 per month program. It is hands down the best investment I have ever made. I welcome other doctors calling me so that I can help them achieve what I have...Freedom!

New Jersey

Personal Injury Testimonial #28

Dr Mark,

I would like to share my experience on engaging attorneys uisng your program. I got an old copy of Sullivan’s Law Directory from one of my patients who is a court reporter. I picked 50 attorneys to call in my area, many were in group practices. After making 8 calls, I have access to 23 attorneys who do PI. I was forwarded to 2 attorneys without asking who listened to my "pitch" using Dr Studin’s 10 second scripting on these calls. I was asked if I ever had, or would be willing to testify as an expert witness, and if I would be willing to be available to call for further info.

I got this warm fuzzy feeling because what I really wanted was offered without asking, using what little I have absorbed in 4 months from the massive amount of stuff from Dr Studin.

Impressed is an understatement! Now I have to find the time to Rock on appointments with Attorneys!

Illinois

Personal Injury Testimonial #29

Had my first meeting with a local attorney today. YOU ARE THE MAN! t was an excellent meeting. He just kept commenting on the narrative! I also have set up monthly meetings with him following the systems you created and also discussed going over any files that he would like me to review as well as per the plantiff IME's.

Tennessee

Personal Injury Testimonial #30

I am in your program and I just finished the PI Bootcamp, what tremendous amount of good info that really ties all the consults together. I was one of those shmucks for many years as well who tried the wining and dining to very little avail. I formerly practiced in a large PI office, although I can now say that I never really "figured" it out.

Now I am on my own and have been banging my skull against the wall in frustration because I could not get a good flow of PI patients, even with all of my "experience" in dealing with these types of cases. Since signing up as a client and taking the PI Bootcamp, I realized that my experience from the past was only in high volume, and not in being the best of the best in my town. I want to thank you for changing that, I learned about as much with your program in 2 weeks than I did in 9 1/2 years and hundreds of PI patients, or at least how to do it properly, which is more important.

Today we had 3 PI new patients call for appointments and an attorney referral from a city nearly 4 hrs away. To date, we have 8 PI new patients this month and the month is only half over, our former old record was 10. We also have 2 more for this afternoon to tie the record. I am looking forward to a hugely prosperous year.

North Carolina

Personal Injury Testimonial #31

Dr. Mark, I don't know how many testimonies we can write (this is number two) but saying thank you to someone who coaches from afar (you) ...is again in order...and even though I have chatted only a couple times by phone in two years of being your client , I continue to read the consults and grow in the PI world......Stats this month.... 29 new (all strong pi cases)...collections $49,400.00 total and lots to go until the month ends... ps the orthopedic specialist I refer to now asks my permission before he runs ANY diagnostics and always defers to me as the LEAD doctor on the cases...Thanks again,

Georgia

Personal Injury Testimonial #32

I wanted to share with others the effectiveness of your program. I graduated almost 10 years ago and have been in my own practice for 5. I run a very busy office. We went from 0 to 450 patient visits in less than six months with an average of over 20 new patient’s pet week. We quickly went almost to seven hundred a week. We have collected over $80,000 per month. I was sick and tired of sitting with attorneys and insurance companies.

I also practice in a hospital and deal with medical doctors all day long. I am a person who does not like to reinvent the wheel. When I called you I knew I could do better. I have used your systems to the letter and

You were right and your courses have made me better and the doctors and lawyers I work with now know it. Teach what you know by being knowledgeable and passionate and don't ask for the referral because they will seek you out. I will never again ask for a referral because I don’t have to….The referral sources know.

Ohio

Personal Injury Testimonial #33

Dear Dr. Studin, The Month of February 2013 was a great month and I am writing to tell you our stats which you can use any way you want to in your advertising...New PI patients 43. I attribute my success to your program and your unparalleled coaching...Please feel free to give anyone considering your program my personal cell number to discuss the merits of the Lawyers P Program...P.S. my overhead is less than 50%.

Georgia

Personal Injury Testimonial #34

Mark, I have been around a long time and have never been successful in personal injury...until now! Thank you so much for the help! I am so excited by the fact that I have been in 3 attorney offices and am scheduled for 3 more. They are eager for someone that can provide the fact the way that they need. One attorney was so elated and stated that he had a number of cases that needed a doctor to testify, but the patient could not AFFORD it and so had to settle for a much lower amount than he should have. Thank you again Mark. It’s not a get rich quick method, it IS a get rich slow but steady program that works!

Ohio

Personal Injury Testimonial #35

Thanks for everything and your program has been an important part of helping improve my PI practice. When I started in Jan 2011 my practic was 8% PI and as of last month it was 30%.  Thanks again Doc!

Washington

50+ More to be posted

I just ran out of time because my wife just gave a list of things to do and I am more afraid of her than all of you put together!