It is quite heartening that all the four pillars of our democracy day by day are showing signs of concern to the happenings going on around us- be it right to freedom of speech and expression, environment protection, law and order obligations and infrastructure development. The complaint of certain quarters against the media crossing limits has some substance, on the whole our media, both print and visual, play cardinal roles in digging out and thereby exposing the festering sores still refusing to heal and thus helping all to take immediate remedial measures.

 

Similar is the case with our judiciary also. Years ago judiciary was seen by many in our society as the prisoner of elite and also holding a dogmatic approach which allegedly cared nothing for the uplift of the masses. Gradually Judiciary’s mindset underwent sea -change for the good of the society. Jurists of the calibre of Justice V.R.Krishna Iyer were there, he always cared for the social aspects while passing judgements. Justice Krishna Iyer, the nonagenarian, now in the twilight of his life is still active albeit his old age and poor health, pens a lot for drawing the attention of those at the helm of affairs towards the inequalities still prevailing in our society.

 

Once in a while a Krishna Iyer is incarnated over the past one decade or two but that couldn’t save much purpose.

 

On thinking about Judiciary and Judicial activism, writer and social activist Arundhati Roy came to my mind. In her book “Algebra of Infinite Justice” , she has mentioned about a Supreme Court verdict pronounced by a three member jury consisting of A.S.Anand, J.P.Kirpal and S.P.Barucha. The verdict was in response to a Public Interest Litigation filed by Narmada Bachao Aandolan appealing to the court to order a stay to the further construction of Sardar Sarovar Dam as the rehabilitation of the displaced poor had not reached anywhere.

 

 

Barring S.P.Barucha, who passed a dissenting judgement, Chief Justice Anand and Justice Kirpal passed a verdict allowing the authorities to proceed with the construction. The hapless poor felt themselves in the lurch by the highest court of the land. This verdict was passed on October 18, 2000.

Nine years have elapsed since then. Governments came. Governments went. Ministers came. Ministers went. Judges came. Judges went. Mindsets underwent enormous changes. And are still undergoing vast changes. Much water has flowed down Narmada since then.

 

Now the Chief Justice of India (CJI) is Justice K.G.Balakrishnan.

 

While taking part in a seminar on Law and Environment on May 21 at Chandigarh, he stressed the need for protecting our environment and he didn’t even forget to advise those responsible, to shelve a project whenever it is found to be detrimental to our ecology. Justice Mukundakam Sharma who participated along with Justice Balakrishnan in the seminar also dwelt on the importance of protecting our environment and to desist from deforestation and rapid industrialisation urged all to spread awareness about ecological protection.

 

The subject of climate change has turned out to be a hot issue haunting the environmentalists, Scientists and citizens across the globe. The Copenhagen summit is fast approaching where a vast number of nations are supposed to participate to deliberate upon and evolve new solutions to save the earth from a catastrophe. The growth of developed as well as developing nations ,both stakeholders alike, have to gird up their loins and fight to bring down the level of carbon emissions in the ensuing years. It is said that even if the developed nations bring their carbon emissions to zero degree level, it won’t prove to be a blessing to all if the developing nations are left untouched. Means, they have also to play prominent roles – and if debt-ridden appeal for aid from developed nations or the latter must generously extend their helping hands. We should ensure in the process that coming generation’s future shouldn’t be cooked at any cost, as one environmentalist put it.)

 

In comes another verdict passed by the highest court of our land, the Supreme Court. It is the case of a well-known human-rights activist Dr.Binayak Sen. He was incarcerated in a Chattisgarh Jail in May 14, 2007. Dr.Sen who is a reputed padeatrician who cared a lot for the down-trodden in the society was a regular visitor to a Chattisgarh jail to treat the inmates. He was imprisoned on the charges of acting as a courier of to a maoist inmate of the prison by the State government. Unlawful Activities (Prevention) Act was slapped on him by the Government. The well-known human-rights activist had to languish in the prison for two years inspite of protests and processions staged by human-rights activists and intellectuals around the world.

 

Finally his case reached the Supreme Court and the jury consisting of Justice Markandeya Katju and Justice Deepak Verma freed him within no time, telling Dr.Sen’s eminent lawyer Shantibhushan that, “We know the facts of this case. He has been in jail for two years. We are granting him bail”.

 

Touching, to say the least. A pro-active Judiciary free from a

 

dogmatic approach and with a humanitarian attitude is always a

 

blessing for the society at large.

Popularity: unranked [?]

The United States has gone through a wrenching debate over the reform of health care.  The new bill cut to the essence of the United States as a republic and the sole of its citizens.  This has been high stakes change management.  What can the business world learn from this as a case study?

I have been in the change management business for more than 30 years.  I have worked with large and small companies all over the world to help them transform their organizations.  During my work I have settled on some fairly basic, but clear principles of change management.  For example, you’d better choose the right thing to work on and match that with the right leadership style.  Without such basics resistance will win.

Knowing this I thought it would be interesting to review the health care debate that has consumed the United States over the past year.  How closely did it follow good principles of change management?  How did resistance influence it?  How did leaders make their marks?

The following article is meant to be apolitical.  My interest is in management, not politics.

The first step in implementing change is for the leader to articulate a vision – what will the new world look like?  President Obama’s vision a year ago had tenets such as “single payer and public option”.  This is not idealism; it is real life practice that is the norm in most western democracies.  It is an alternative; but what is it and why was it attractive?  The Canadian system is worth some exploration.

I am Canadian.  Yes, I was naturalized as an American citizen in 2000; however, my experiences growing up are rooted in Canada – not the least of which is my experience with health care.

I came to the US in 1995.  One of my first meetings with my new employer was an all employee event about the changes that were being made to our companies health plan.  We were about to be HMO’d.  We were entering “managed health care” to control costs.  I was totally befuddled by the rhetoric around co-pays and doctor’s networks – not to mention the forms that I had to fill out.

I asked the meeting facilitator a question that prompted her to ask: “well in Canada what do you do?”  My naive answer was that “in Canada when you get sick you go to the doctor.”

That’s still the case.  Everyone in Canada is covered through universal health care.  Yes, it’s paid through taxes – but you have to pay somehow.  In the US we pay through insurance premiums that rise faster than the Canadian health taxes.  And even with this higher cost Americans get poorer outcomes at the system level.

That’s right; Canada wins the value for money equation at the system level.  By now we all know the big picture metrics.  There is lots of room for debate, but the strategic picture comparing the United States to Canada looks something like this:

.  Spending as a % of GDP         15%      10%

.  Spending per capita              $6700      $3700

.  Life expectancy – age               78.5      80.5

.  Very satisfied                            25%      57%

.  Very dissatisfied                        44%      17%

Why is there such a gap?  Well, Canada saves resources through all steps in the health care value chain.  Here are two primary places:

Administration: Canada has a single payer system.  That means that when you go to the doctor the bill goes directly to the government – usually one of the 10 provincial governments.  As a result you don’t need complex and layered administrative structures to check insurance plans, do billings, and run down receivables.

I think this is the biggest source of saving.  This administrative activity in the US constitutes about 1/3rd of the cost of health care.  In Canada it’s a little more than 1/10th.  In other words, the single payer approach would save the US about 20+ percentage points on cost.  That adds up when you’re talking about trillions of dollars.

A consequence of this public system is that doctors may file tax returns as “independent businesses”; however, the reality is that they work for the government.  Most of their income comes from the government as set through fee schedules that are determined in collaboration with medical advisors.  It is too complex to compare doctor salaries in the two countries, but American doctors expect to earn more than their Canadian colleagues.

Treatment: In Canada there are fewer medical resources than in the US – people, equipment, supplies, facilities.  This means priorities are required in the allocation of these scarce resources.  In the US, where there has always been a luxury of supply, this idea of “allocation” is interpreted as “rationing”.

I’ve heard lots of urban legends about Canadians not getting the treatment they need or coming to the US to buy it.  I’m sure that some of these stories can be documented, but they don’t fit the experiences of my family and friends.

Sure I had a friend that was jumped twice on the priority list as he waited for a heart bypass – he’d been on the list for months and was even in the hall outside the OR when he was wheeled back to his room.  Someone one the verge of death took his spot.  He had the operation the next day and after 20 years he’s still doing just fine.

On the other hand, my mother was in severe need of a hip replacement.  Within three weeks she had gone through all of the consultations and she had her operation.  She probably hopped over several people in the line.

These allocation (rationing) decisions are made between doctors and patients in consideration of available resources and the needs of other patients.  Sure, the government keeps a handle on this through its fiscal management; however, it does not make medical decisions.

America was looking for a new model for health care.  Canada provides an alternative, but Americans didn’t choose it.  They came up with a framework that is uniquely American; a solution that does not look like the starting vision that included single payer and a public option.  Erosion of the vision is a common result in the change business.  What happened?

I tracked the ups and downs of the debate by watching advocates from the right like Glen Beck and Bill O’Reily and their progressive counterparts like Keith Obermann and Rachel Maddow.  What a circus.  If you did a content “compare and contrast” analysis of their television programs over the last year you would think that the left and right were on different planets.  Rarely did they deal with the same issues, and when they did their perspectives were 180 degrees apart.

The great thing about “talking head cable TV” is that it let us see change management at work.  As a case study it validated some of my major ideas, such as:

.  Change depends on organizational DNA

.  Change is either continuous or discontinuous change

.  Change requires a complementary leadership style

Most changes fail.  We’ve been schooled to believe that failure is a function of not having a compelling business reason to change.  The idea is that if you’re on a burning platform, you will jump.  You will change because the status quo is not an option.

Well, I can buy into this to a point, but not all of the way.  We all know that the trend line on health care spending cannot be sustained.  Forecasts show that by 2020 nearly 20% of GDP will go to the health sector.  That’s one dollar in five.  Illogical projections even show that by 2080 we’ll spend 95% of GDP on health.  If we don’t bend the cost curve we could become a nation of people solely consumed by providing health services to each other.

If all you need is a compelling reason to change then the US Congress would have quickly passed a bill with the
cost savings implied by single payer and public option provisions.  However, radical cost containment did not carry the day – even though there is a national consensus that costs must be controlled.

Well there’s something else going on here – and it’s something that most change leaders wish to ignore.  Change is doomed to fail if you’re working on the wrong thing.  Change will fail if you’re swimming against the organization’s DNA, its history, legacy, myths and legends of the past.  Often change leaders ignore this because it’s messy business to change the past before moving forward.  Leaders just want to get to their vision.  The President’s starting point of a “single payer system/public option” is a classic example of swimming against organizational DNA.

This whole health care debate cut to the core of what Americans believe their country to be.  The United States is not Canada.  Just listen to the Declaration of Independence that calls for “…life, liberty, and the pursuit of happiness.”  The first Canadian constitution (the British North America Act) called for “…peace, order, and good government”.  The difference is not accidental.  It goes to the heart of how people see themselves and their relationship to government.

The British Parliamentary system is rooted in the Magna Carta that started the process of the citizenry wresting power away from the entitled Sovereign.  Ultimately the people gained representative government to guide the sovereign nation; however, the idea of sovereignty – the transcendent, ongoing existence of nationhood remained with the Sovereign.  Governments come and go, but the nation remains – and the symbol of that continuation is the Sovereign – the Queen in England and her representative in Canada, the Governor General.

The Sovereign symbol is not a person in the United States.  The innovation and miracle of the American government system is that it found sovereignty without needing a Sovereign.  How?  It put sovereignty in “the People.”  The relationship of the “citizen subject” with their government was literally turned on its head.

The DNA of the United States is fiercely individualistic.  What’s good for the individual precedes that of the collective body.  This is followed by the natural selection of capitalism as the underlying economic system.  Individualism and capitalism become allies in the creation of wealth.  The accepted role of government becomes one of facilitating these two powerful ideas.  But what happens when these two ideas don’t resolve issues of social injustice such as: slavery, lack of civil rights, and barriers to health care?  When the government intervenes it does so at its own peril.

The Democrat’s health care reform ran right up against the genetics of the American republic.  The American DNA says that private health insurance has a right to make profits; and that individuals without health care have all the opportunity needed to pull themselves up and earn the money required to provide for themselves and their families.  It’s a classic bipolarity of privilege versus entitlement.  The lines were drawn before the debate began.

The Executive branch had a vision for health care reform that was outside of the box.  It could see a future state that was not a straight-line projection from the current state.  It saw a world where health insurance companies had to make room for an active government.

Although the Executive was swimming up stream (working on the wrong things according to DNA analysis) it didn’t have to lose its vision of a new tomorrow.  But, it needed to implement the change unilaterally – something that is as unnatural for President’s as it is for most CEO’s.

Change comes in two forms: Continuous and Discontinuous.  Continuous change is the idea of incrementalism.  It’s the idea of clearly knowing who you are and then pushing the edges of the envelope to be better.  The vast majority of change in government, business, and personal life is continuous.  You set a goal and define a migration path to implement it.

Discontinuous change is different.  It’s a break with the past.  Something is happening in the external world that cannot be combated by current state experiences and competencies.  A rupture is required to get to the new place.

Usually when organizations die it’s because they did not adequately manage discontinuous change.  Polaroid couldn’t handle the opportunity presented by digital photography.  The legacy ATT&T now exists in name only.  We all have to do taxes but nothing links the tools that we use to do them: pencil, adding machine, calculator, computer, and Turbo Tax.  If you were making pencils 60 years ago you had to make a discontinuous change to get into the business of making adding machines.  This had to be done with callous action and foresight to separate from the past.  One foot in front of the other would not get the job done.

Why does it have to be callous; some might say tyrannical?  It’s because everything goes against the secure worlds that people have built for themselves.  There is not a step-by-step guide to get to the promised-land.  The current world must either be broken or left behind.  This takes a conviction that is counter to our culture of consensus building and participation.

The President’s vision of health care was discontinuous, yet he treated it as continuous change.  The Democrat’s interpretation of the external environment was that a single payer, public option plan was needed to provide universal health care that would bend the spending curve.  This could not be accomplished through bipartisan consensus building.

To re-cap, a single payer – public option health system goes against America’s history.  Incremental implementation of this idea was doomed to fail.  Success could only have come from strong, directive leadership.

Democrats had to believe in their health care vision and their electoral mandate to make changes.  From the beginning they had to use their majorities to pass a bill that reflected their vision – even though the vision may have been imperfect.  Then they had to go about the messy job of breaking the old if they wanted to implement the new.  This would have caused no end of “ramming it down our throats” controversy; but it would have produced a platform for fundamental change rather than incremental.

This didn’t happen.  The ideals and expectations for consensus building and bipartisanship opened the doors to incrementalism and its subtle goal – the provision of time and space to release the forces of resistance.   These same forces are always at play during organizational change where we hear: the change is too big; we’re doing this at the wrong time; why don’t we just start over.

Even the tactics are the same in the corporate world: misinformation leading to disinformation; throwing everything possible at the wall to see what sticks; communicating not for clarity, but to cause doubt.

These resistance strategies and tactics peaked at the Health Care Summit where the President believed he could straighten the record; others saw that he wasn’t listening.  This rancor continued as the debate got back to Congress where the leadership used parliamentary rules to move the legislation forward – the opposition saw this as tyrannical, devious, and malicious.

In the end the bill that was passed into law satisfied no one.  It’s seen as the best that the parliamentary system could produce.  Not one Republican voted for it; and both the left and right on the Democratic side held the passage hostage as long as they could.

I’ve seen this movie dozens of times in the corporate world.  A new CEO rides into town with a change mandate from the Board.  Resistance is cloaked in the language of continuous, incremental change; the leadership style that starts as consensus building morphs into autocracy.

Most changes fail – even when
the sponsors don’t admit it.  This result comes from not understanding the nature of change and the leadership style required to implement change.

The US health care debate highlighted principles that CEO’s should take to heart.

.  Know your organization’s DNA.  Resistance is directly related to how hard you swim against the organization’s heritage.

.  Know the type of change you seek – continuous means incremental, discontinuous means breaking with the past.

.  Know your leadership style.  Don’t attempt discontinuous change if you are a consensus builder.

In our culture it is unnatural for leaders to adopt a harsh style.  Everyone wants to be loved.  That implies that most changes will be incremental.  CEO’s should know this before they set their visions for change and underlying migration paths.

Popularity: -5% [?]

Change Your Life with an FHA Home Loan

If you are a Florida first-time home buyer or have bought a Florida home before and have less than perfect credit you have come to the right place. At http://www.FHAmortgageFHALoan.com our FHA mortgage Loan Specialists will take you through the FHA home loan process step-by-step.

With an FHA mortgage Loan you can:

FHA Loans are guaranteed loans, which means that FHA mortgage lenders will offer you lower, more affordable rates. Even if you have less than perfect credit or are a Florida first time home buyer, an FHA Loan can help you save money on the Florida home of your dreams.

FHA mortgage Florida , FHA loan Florida

  Minimal Down Payment and Closing Costs.

Easier Credit Qualifying Guidelines such as:

Higher Debt Ratio’s than other home loan programs.

APPLY NOW AT http:/www.fhamortgagefhaloan.com/

At one point and time many years ago, the FHA loan was the only alternative to local  bank financing for Florida home buyers. In the fashion world, there is a saying: Wait long enough, and everything comes back into style. That rule applies just as well to Florida FHA mortgage program. Long-overlooked, the FHA home loan is becoming popular again with Florida Home Buyers for its low rates and the real security it provides Florida mortgage applicants.

For Florida banks and other mortgage lenders, FHA mortgage loan financing offers the security of a government insured Mortgage. Win/Win! To learn more, call today at 1-800-570-0448 or just use our fast and easy quick application!

Easy Qualification – The FHA mortgage insures lenders against loss for loans made to properly qualified FHA home loan borrowers. So you’re likely to find FHA loan with terms that make it easier for you to qualify.

Minimal Downpayment Requirements – FHA loans can work with as little as 3.5% down and those funds can come from a family member, charity, or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that your 1st Continental Mortgage loan officer can point you to many Downpayment assistance programs that work well with Florida FHA home loans.

Less than A-1 Credit is Okay – The Florida FHA mortgage program exists to expand the pool of home buyers. Even borrowers with prior bankruptcies or mortgage lates get approved every day for FHA mortgages to buy or Refinance homes in Hillsborough County or any of the other Florida counties we serve. The FHA loan program uses credit quality, not credit score!

Lower Cost Over the Life of the Loan – The Florida FHA mortgage rates are extraordinarily competitive. FHA’s lower risk to the lender means a better rate for the borrower.

Safeguards for FHA Mortgage applicants Who Get Behind – The Florida FHA  mortgages also allow the lender more options in helping borrowers who fall behind keep their homes are get current again: special forbearance, workouts, even free mortgage counseling. Further, HUD can allow the FHA Mortgage lender to take past due payments and move them to the end of the loan and in some instance will actually pay your past due payments for you. Options to save your home you’ll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to get an FHA home loan.

Manufactured Housing – Under certain conditions, you can even finance a Mobile Home or manufactured home using a Florida FHA home loan. Call 1-800-570-0448 to get pre-approved for a Florida FHA loan for manufactured housing or just use our quick application to learn more!

FHA Mortgages Are Fully Assumable – When you are ready to sell your Florida home, you can offer buyers FHA financing! All FHA loans can be assumed by qualified buyers.

These are just seven of the many good reasons to apply for an FHA mortgage. Call 1-800-570-0448 to speak with a friendly Florida FHA loan specialist now!

The FHA program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of different borrowers and situations.

Although Florida FHA home loans require additional paperwork, the reality is that applying for an FHA mortgage loan in Florida is not much different from applying for conventional financing. In fact, for many borrowers the small amount of extra time turns out to be an exceptional mortgage bargain because they save thousands of dollars over the life of their Florida Mortgage.

At 1st Continental Mortgage, we have been working with the FHA program for many years. We’re experts at assembling the proper paperwork and presenting your loan application to FHA approved lenders diligently and professionally. It’s one of the ways that we have earned our reputation for closing FHA home loans in Florida on-time.

You may be surprised at how flexible sellers are in the current market and how many programs there are that provide Downpayment assistance to applicants for FHA financing to purchase Florida homes, condos, and townhouses. The fact is, seller can pay up to 6% towards your closing costs. This means, no closing costs for you when negotiated during the purchase contract!

The FHA program offers excellent fixed rate options and never a prepayment penalty. If other mortgage lenders are quoting you subprime rates, you owe it to yourself to make the call to 1st Continental Mortgage to compare the costs of getting an FHA home loan for your home purchase. Call 1-800-570-0448 to speak with an FHA mortgage expert before accepting any conventional mortgage quote as the best you can do!

An FHA streamline refinance is one of the easiest home loans for Mortgage Lenders and borrowers. Since HUD approved you for the original FHA loan, the paperwork to refinance is minimal and the process is simple.

So long as you have made your FL FHA loan mortgage payments on time for the previous 12 months, you can lower your monthly payment if interest rates go down with minimal out of pocket expense. Even if you have been late on your FHA mortgage, you might still qualify for an FHA streamline refinance in Florida under very specific conditions.

Less documentation and no appraisal are just two of the reasons a FHA streamline refinance is cheaper and faster for the borrowers who qualify.

When your 1st Continental Mortgage lender helps you get a streamlined FHA refinance on your existing mortgage loan, he or she will make certain that you meet these conditions:

Although a streamline refinance does not allow you to cash out equity, we have a FHA loan refinance program that is specifically designed for borrowers who want to cash out equity to consolidate debts, make home improvements or to access funds for other purposes.

Unlike many conventional loan programs, the FHA mortgage does not adjust the rate based upon loan to value or credit score. You will find the FHA has very reasonable underwriting guidelines for cash out refinancing.

We have helped many clients borrow up to 85% of the appraised value of their homes and use the funds to consolidate debts or to make home improvements and other purposes. Qualified borrowers will have to look hard to find lower rates and better terms than they can get on Florida FHA cash out refinance right now!

Call 1st Continental Mortgage today at 1-800-570-0448 or use our quick application to apply for an FHA refinance on your home in Sumter County or any of the other Florida counties we offer FHA mortgages in.

Although some conventional lenders in Florida shy away from making a loan on Mobile Homes or manufactured homes, many FHA mortgage loan lenders do not.

In fact, mobile homeowners fortunate enough to connect with a Florida FHA mortgage lender, who is well schooled in how FHA loans work for mobiles and manufactured homes, can get a better interest rate, better terms, and a lower monthly payment by going FHA in nearly every case.

If you’re s
hopping for financing to buy a mobile or manufactured home on land in Sumter County or any of the other 66 counties in Florida that we serve, call 1-800-570-0448 and let us give you a quote for an FHA mortgage loan to purchase your mobile or manufactured home.

It only takes a few minutes to get an FHA loan mortgage quote on your Florida mobile home. We’ll wager that the savings on your monthly mortgage payments will make it some of the highest paid work you’ve ever done.

Few people realize that the FHA mortgage loan uses the same underwriting criteria for single and double wide mobile homes and manufactured housing as it does for traditional site built block or stick homes. In addition, FHA is one of the very few programs that can offer up to 97% financing on mobile homes on land. In addition, did you know that the seller can contribute up 6% toward your closing costs on an FHA mobile home loan and that down payment assistance can be used in Florida? It’s true! You could package your mobile home financing to create a real no money down loan with unbelievably low rates.

Call 1-800-570-0448 or use our secure online quick application for a free no obligation quote on financing your manufactured or mobile home using an FHA mortgage loan.

The Department of Housing and Urban Development (HUD) sets forth these guidelines for determining if a mobile or manufactured home qualifies for an FHA mortgage loan in Florida:

If you would like to determine if your mobile or manufactured home meets the guidelines for section 184 financing from FHA, call one of our Florida mortgage pros at 1-800-570-0448. We’ll be glad to help you determine if the property that you are interested in can be used as collateral for an FHA mobile home mortgage.

The FHA 203k loan program is nothing more than a specialized FHA home loan designed to help homeowners make home improvements. It is especially popular in neighborhoods with properties in need of rehabilitation.

The FHA 203k loans work in Florida communities in much the same way as Construction loans for home improvement. Eligible borrowers can use the proceeds from these FHA mortgage to renovate and improve their primary residences.

Qualifying for a 203k FHA mortgage uses the same guidelines as a standard FHA mortgage for the purchase of a Florida home.

This specialized FHA mortgage is for Floridians who wish to buy a home that needs repairs or renovations. Just as is the case with a conventional construction loan, a single FHA 203k loan covers both purchase of the Florida real estate and renovation. FHA 203K financing can be used to purchase a property on a site and move it to a new foundation on the mortgaged property and rehabilitate it.

In addition, Florida homeowners can also use a 203k FHA mortgage to refinance existing debt when they finance one or more home improvements using the FHA 203k mortgage program.

Many borrowers are finding out what a good deal a Florida FHA home loan really is. Call 1-800-570-0448 today or simply use our quick application to find out more!

 

Popularity: unranked [?]