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Thanks for the kind words, Steve. You have future vision. I finished writing two articles this am on the insurance industry. You have a great memory. Howard

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I was in awe when you first published the newsletter, hard facts as reported yet unheard, but now, unquestionably, you've found your-our-voice, Howard. You began from the very beginning commenting on the insurance industry's role limiting truth. Now, you shed light on the B.S. espoused by lawmakers "terrified" to openly speak. Go after 'em, Howard; use my name if you wish! To Substack which provides you platform, thank you despite profit your sole motivator; you'll likely in truth never know the impact Howard has on men, worldwide.

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Thanks, Bill M. for catching my error. I am so stuck in the 21st Century that I dragged poor President Wilson along with me. He ended his term in 1921.

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