LXXI Edition June 2005
Gasoline Retailers Association of Florida
214 Stevenage Drive Longwood, Florida 32779
407-774-9700 Fax 407-788-3860 http://www.flagas.com e mail firstname.lastname@example.org
Pat Moricca President SSDA / NCPR-AT
Service Station Dealers of America
Gasoline Retailers Association of Florida is a non-profit association representing Independent
Gasoline Retailers, Convenience Stores, Gasoline Service Stations, Repair Shops, Tire Retailers, Truck
Stops and Associates throughout Florida. Our goal is to improve the interests of these independent
businesses and the motoring public. Cooperation with insurance companies provides benefits for our
members. These benefits include money-saving programs for group health, workers' compensation,
casualty, property and gasoline tank liability insurance. Benefits also include financing to purchase
your gasoline station property and much more.
VISIT OUR WEB SITE FOR THE LATEST GASOLINE
INDUSTRY INFORMATION AND BENEFITS
Net Income Up at ChevronTexaco
San Ramon, Calif. -- ChevronTexaco Corp. reported net income of $2.7 billion for the first quarter 2005,
compared with net income of $2.6 billion in the same year-ago period. The 2004 quarter included a special-
item charge of $55 million related to a litigation matter.
Sales and other operating revenues in the first quarter 2005 were $40 billion, up 22 percent from the same
period in 2004, mainly as a result of higher prices for crude oil, natural gas and refined products
On oil price surge, ConocoPhillips’ profit soars
New York, N.Y. – No. 3 U.S. oil company ConocoPhillips on Wednesday said quarterly profit shot up 80 percent, driven by
an unrelenting surge in crude oil prices.
The Houston Company, which has enjoyed burgeoning cash levels thanks to the rise in energy prices, also said it was
planning to spend an additional $3 billion over five years on its refining system.
Net income in the first quarter jumped to $2.91 billion, from $1.62 billion, in the year earlier period.
Results would have been even higher were it not for scheduled and unplanned stoppage in operations that hurt results at
its production and refining divisions, the company said.
Total revenues in the quarter shot up to $38.9 billion from $30.2 billion a year ago.
Sunoco's quarterly profits jump 30%
Sunoco Inc. on Thursday reported first-quarter income that was up 30 percent from a year ago.
The Philadelphia oil refiner, gasoline retailer and petrochemical company earned $116 million in the quarter, up from $89
million in the first quarter of 2004. Sunoco's revenue grew 38 percent to $7.2 billion from $5.3 billion.
"All in all, it's a good start to 2005 after an extremely good year in 2004," Sunoco (NYSE: SUN) Chairman and CEO John
G. Drosdick said at the company's annual meeting
Some of you may have begun receiving notification letters from the Department of Environmental Protection (DEP)
informing you that they have sent letters to your neighbors informing them of contamination at a property you are the
responsible party on.
Lawyers are advertising about exposure to benzene contamination on their property. This is exactly what we feared when
letters were sent to people inferring (not confirming) that their property may be contaminated. Of course, property is
contaminated all over the state. Many cities used to spray their dirt roads with used oil to keep dust down. Many people
perform oil changes at home. Runoff contamination from asphalt roads and parking lots that could affect someone’s
property and I can go on and on. The DEP has deliberately placed you in the expensive position of “guilty till proven
If you receive a letter informing you that your property is involved in a contamination law suit, CONTACT THE
ASSOCIATION ATTORNEY LUIS KONSKI @ 1-305-262-4433.
Zone Pricing Reported Out of Committee
The Senate Consumer Protection Committee reported Bill S.973 to the Senate Calendar. The bill would amend the
General Business Law so as to prohibit zone pricing of gasoline. It defines zone pricing to mean arbitrary price
differences within the same market area based on what consumers are likely to pay or where the effect is to injure
competition. It includes a penalty of five thousand dollars for each day or part thereof during which the violation
continues. The civil penalties provided by this law shall be recoverable in an action instituted by the Attorney General on
his / her own initiative.
Under "Zone pricing”, the petroleum company determines geographical price zones based on the demographics of a
certain area. The wholesale prices are higher in an area where the supplier feels they can charge such prices. For
example, if one geographic area is more affluent than another, the tank wagon price is likely to be higher. This cost is then
passed on to the consumers. Thus, the result of zone pricing is higher for individuals who are assumed able or willing to
A second possible use of zone pricing is to charge different tank wagons to two stations in the same area, giving
significant competitive advantage to the station with the lower wholesale price. This tool has been used in the past,
driving one station out of business, and transferring their customer base to the second station.
This legislation would prohibit both of these discriminatory pricing policies.
C-store inside sales grew by 13.7% last year, one point shy of hypermarkets
Tobacco, specifically cigarettes, continues to be king of inside sales, accounting for one out of three dollars spent.
The top 10 categories in terms of percent of in-store sales were:
1. Cigarettes (34.7% of in-store sales)
2. Packaged beverages (12.2%)
3. Foodservice (11.9%)
4. Beer (11.9% -- but 14.3% of all stores selling beer)
5. Other tobacco (3.5%)
6. Candy (3.4%)
7. Salty Snacks (3.3%)
8. Fluid milk (2.5%)
9. General merchandise (2%)
10. Edible grocery (1.9%)
The greatest challenges to continued C-store revenue growth in 2005 are increasing credit card fees and labor costs.
ExxonMobil Grows Quick Lube Business
Fairfax, Va. - Exxon Mobil Corp. converted more than 65 independent quick lube businesses to the
Mobil 1 Lube Express brand in 2004, bringing the total number of locations to 141 since the brand's
inception in 2003, the company reported
“We're enjoying tremendous success with the Mobil 1 Lube Express program," said Patti Rose, Mobil
1 Lube Express marketing coordinator, ExxonMobil Lubricants & Specialties. "The supporting link is
the Mobil family of premium-quality lubricants and the marketing support each branded shop receives.
Customers feel comfortable at our stores because they know they are getting the best oil for their vehicles in a
convenient setting with knowledgeable, courteous technicians.”
Making Money on Biodiesel
Rick Geise, director of marketing and brand manager for Cold Spring, Ky.-based Griffin Industries, which collects meat
and poultry byproducts, grocery scraps, and restaurant grease and waste from the bakery industry and recycles them into
fats, oils, proteins, alternative fuels, leather goods, organic fertilizers and methyl esters for the pet food, animal feed,
industrial/chemical, petroleum, leather and turf industries.
The traditional role of biodiesel in the eyes of the Department of Energy, Geise explained, has been to reduce
dependency on foreign oil, encourage domestic economic development and lower emissions; but the ultimate role of
biodiesel, as Geise sees it, should not be to supplant petrodiesel but to extend the functional life of the world's petroleum
supply and thus buffer global demand.
Geise went on to outline biodiesel's advantages: It can use the same pipes, tanks and fueling systems as petrodiesel; it
can be used in standard vehicles formulated for petrodiesel; and it reduces emissions of carbon monoxide, hydrocarbon
and particulates. Finally, even in blends that are as low as 2 percent biodiesel, biodiesel increases the lubricity of diesel
fuel by 50 percent.
Geise also touched on the challenges in selling biodiesel, including the fuel management issues created by cold flow;
fluctuation in feedstock value that can cause corresponding fluctuations in price; and manufacturer warranties that do not
allow for biodiesel usage or mandate low inclusion levels.
Finally, he summarized the limitations to biodiesel, saying, “It's never going to be a complete displacement of diesel fuel.”
In fact, he said, the maximum market penetration is 5 to 7 percent of domestic diesel consumption, due to factors
including production capacity and feedstock potential capacity.
Despite those limitations, however, biodiesel is a worthwhile investment for jobbers and retailers, Geise concluded. First,
there are federal incentives to sell biodiesel, and state incentives in some locations. Second, there is the issue of demand
Geise wrapped up with some advice for adding biodiesel, suggesting that retailers promote their new biodiesel products,
be aware and take advantage of subsidies, label biodiesel at the pump, capitalize on its flexibility and start with low-level
blends rather than with 100 percent biodiesel.
May edition of The Costco Connection Magazine-The Consumer Connection
By David Horowitz
I recently read an article about ‘Fight Back! against gas prices’ in the Costco Connection Magazine.
He made several suggestions how to reduce your gasoline consumption and expenses. Some made a lot of sense, but
one caught my eye that needed to be challenged.
Quote, “When gas prices rise, some gas-station owners boost the prices even higher than the market. They know
people will pay more to keep driving, because customers may fear a gas shortage. Don’t panic! Instead, use
common sense, and fight back!”
He has the audacity to single out independent gasoline stations cheating the consumer with high gasoline prices is
ridiculous. Costco buys wholesale gasoline at a much lower price than independent gas station owners (over the years as
much as 20 cents plus a gallon lower). If an independent gasoline station had the opportunity to buy gasoline on the open
market like Costco, prices will be lower through true competition and not subsidizing Costco’s wholesale gasoline price.
The Oil Companies charge more for their gasoline to independent gas-stations because they are captive buyers and
forced to pay the higher wholesale price. His finger should point to the Oil Companies for high gasoline prices.
ExxonMobil 2004 net profit was 25.33 billion dollars while the independent gas-station owner is struggling.
Costco sells gasoline well below the market to encourage consumers in their store and the same time independent gas-
station owners are being eliminated.
Many of those independent gas-station owners spend millions of dollars at Costco to resell in their convenience stores.
Many independent gas-station owners went out of business because of Costco’s, along with Wal-Mart, Sams Club, Publix,
Albertsons, BJ’s etc. gas-pricing policy including the Oil Companies Corp. owned stations. Put the blame where it
Costco’s gasoline troubles
A slump in Costco’s gasoline margins was responsible for 3 out of 4 cents lost in the first quarter of 2005,
Costco’s pricing strategy trying to be the lowest of two-to-eight stations within a mile or half mile radius is well known to
struggling independent gasoline retailers. Independent owners will not be shedding any tears over word of Costco’s
The volatile price swings in January, February and March chopped Costco’s margin from 12.3 cents per gallon in the
fourth quarter of 2004 down to .3 cents per gallon in the first quarter of 2005. Conversely, April’s numbers could mean a
big boost to Costco’s margins.
When margins shrink, Costco’s high volume and huge turnover can mean millions in reduced revenues.
The entire issue recently came to light as Costco CFO Richard Galanti presented facts to Wall Street, explaining why
Costco shareholders would see a reduced earning per share in the first quarter.
A taste of struggling independent gasoline retailers.
Retailers Continue Gasoline Price Wars (A recipe for disaster)
Westminster, Md. -- At a time when the average price for regular unleaded gasoline in Maryland is $2.20
per gallon, Royal Farms, Sheetz, Tevco and Wawa stations were selling gasoline at $1.99 per gallon or
less this week, according to The Baltimore Sun.
And area competing c-stores are seeing a decline in sales. At Oceanic convenience stores, sales have
fallen by half since the low pricing began, according to the newspaper.
Baltimore-based Royal Farms told the paper that it was simply trying to get customers to make that switch when the
company dropped its Westminster price to $1.97. Royal Farms was the first to go to $1.99 because one store in the town
is only a few months old and had to get a foothold in a tough market.
"We thought it would be a good strategic move to get real aggressive on the fuel price to try to [encourage] people to
come in and see what we're all about," said Frank Schilling, director of marketing and merchandising for Royal Farms.
"Everybody likes a bargain on fuel, especially nowadays."
North Carolina is another state experiencing gasoline price wars, with The Pantry convenience store chain accusing
market newcomer Sheetz and Kroger grocery stores in a lawsuit of illegally undercutting the price of gasoline at pumps
that compete for budget-minded motorists, Myrtle Beach, S.C.-based The Sun News reported.
The Pantry, owner of Kangaroo convenience stores in that market, said Sheetz and Kroger consistently sold gas below
wholesale cost by as much as 12 cents per gallon between Feb. 21 and March 7.
The lawsuit filed last month in Wake County Superior Court is based on a North Carolina law prohibiting retailers from
selling gas at prices below their wholesale cost.
Altoona, Pa.-based Sheetz has not broken North Carolina law, spokesman Michael Cortez told The Sun News.
The law requires retailers to charge at least the wholesale price for gasoline but for two exceptions: during a 10-day
grand-opening window, and if they are dropping their price to match a competitor's. The 1986 law originally was passed to
keep big oil companies from charging outside buyers more than its own gas stations.
The only winners are the Oil Companies.
Alabama’s law prevents gasoline retailers from selling their product below cost. This, according to lawmakers, keeps
corporations from running independent owners out of business, limiting competition.
The Cost of Non Involvement
One of the worst possible assumptions you can make, assuming that you have interests in issues before the legislature, is
that someone else is effectively representing your issues to legislators. A close corollary to this is the assumption that it's
all right for you to not get involved with the legislative process because those who have opposing views probably aren't
involved either. Add either or both of these assumptions to a lack of understanding of how legislators make decisions and
you have one good recipe for legislative disaster.
Legislators understand involvement above most other concepts. The people they see or hear from most often have the
greatest impact; be one of them, and success may be yours; slack off and you're likely to fail.
Legislators need and appreciate lobbyists for what they can do, but legislators and lobbyists know that lobbyists (as well
as legislators!) have their limitations. You cannot expect legislators to know all the facts on all the issues. Even good
lobbyists take a back seat to informed industry members when it comes to presenting convincing arguments to legislators,
lawmakers simply must hear from the industry members the people in the trenches. Those who have opinions on issues
continually barrage legislators. If your opponents are among them and you aren't, you lose.
This column is for independent gasoline dealers and station owners
First, in order to keep Below Cost law in Florida, it takes a lot of time, money and a strong association to fight the
challenges to stop the repeal of the Motor Fuels Marketing Practices Act (Below Cost) from the likes of Wal-Mart, Murphy
Oil etc. every year.
Our legislators in Tallahassee especially the newly elected ones have to be informed of the benefits.
Florida has one of the lowest pre tax gasoline prices in the nation due to competition from thousands of independent
gasoline stations. The repeal of Below Cost will eliminate independent gasoline stations through predatory pricing by the
hypermarkets and Oil Companies and less competition will encourage high gasoline prices.
Second, the independent gasoline station dealers and owners who do not belong to an association (Gasoline Retailers
Association of Florida) should support the association as members to continue the benefits of the independent gasoline
stations. There is no free ride. For information contact Pat Moricca @ 407-774-9700.
Your voice in Tallahassee is very important to our elected officials informing them about our industry. You can be sure
Costco, Wal-Mart, Sams Club, Publix, Albertsons, BJ’s etc., and the Oil Companies are feeding them information.
Any eligible businessman or woman, who joins, and participates in on-going programs, will find that his/her savings in
overhead costs will more than justify the dues that each member pays. Membership does not cost, it pays.
The New Face of Chevron
San Ramon, Calif. - ChevronTexaco Corp. is changing its name to Chevron Corp., effective immediately,
the company announced Monday.
The San Ramon, Calif.-based company billed the change as an effort to “present a clear, strong and
unified presence in the global marketplace.”
Lansing, Mich. -- With gasoline prices reaching near-record highs, some Michigan lawmakers said they
want to keep consumers from being cheated at the pump. Proposed legislation would increase the fines gas
station owners’ face if they cheat customers.
“We are just going after the cheaters,” said a State Representative “Once you pay more for something, you want
to make sure you get what you paid for,”
It would have a better than 50-50 chance of passing if it goes to a vote.
The above story would make a lot of sense except for the facts that are left out. Sure anyone that cheats should
be punished, but where is the greatest cheating being done?
As we look at the news media and find the huge profits being gleaned by the oil companies, it would make us
wonder who is cheating whom. An indication of a problem in the Middle East causes the price to go up the next
day but if the crisis does not develop it takes weeks for the price to go back down and then it will not go back to
the original level.
While the lawmakers look at cheating and only look at the lowly retailers of petroleum products and not look at the
prices charged to the retailer by the oil companies makes one wonder who is contributing to what lawmaker’s
The retailer is the one that must face the consumer and explain why the prices are so high. He is the one that
must pay for most of the taxes, pay for all the records of compliance before the product is sold.
It would seem that a simple look at the high profits reported by the major oil companies would tell the lawmakers
who is doing the cheating!
For would-be robbers, the family-owned stores offer tempting but potentially dangerous targets. Many independent
convenience-store owners own guns and are more likely to fight back than a chain store employee. However, small shops
often make themselves targets by keeping lots of cash around.
Robbers say, I know it's riskier to rob a mom-and-pop, but I know I'll get a lot more money.
Conservative justice: Treat 'em all the same, except the rich.
How to take a horrible bill and make it genuinely loathsome:
The bankruptcy bill was a gift to big bankers and credit card companies in return for copious showers of campaign
contributions to our elected representatives in Congress. Same old, same old.
The big lenders, the kind who can legally jack up your interest rates at any time, have a problem: More Americans are
going broke, so they declare bankruptcy under Chapter 7, which wipes out their credit for 10 years but gives them a
chance to start over without debt. Naturally, the banks want to make it harder to declare bankruptcy by forcing people to
file under Chapter 13, with only a partial diminution of debt.
According to a Harvard study published in Health Affairs, between 1981 and 2001, personal bankruptcies rose by 360
percent, but those caused by medical debts rose an astronomical 2,200 percent. Only job loss now slightly leads medical
crisis as the reason for bankruptcy.
Another cause, as well as the usual usury, is that the credit card companies push accounts on people whose credit is only
marginal. It turns out many of those with shaky credit can't pay, so of course the banks want the law changed even more
in their favor. Poor little card companies, only $30 billion in profits last year.
Minimum Wage- Effective today, May 2nd, the state minimum wage goes to $6.15 per hour. The constitutional
Amendment creating this language was passed last year. Each September the wage will be reviewed and a new minimum
will be established based on changes to the consumer price index. This new wage will then be effective the following
January 1st. There is no requirement for Florida employers to post a specific workplace notice however the requirement
for posting the federal notice remains.
Corporate Defense Strategies Inc. / Information Research Specialist Inc.
Corporate Defense Strategies / Information Research Specialist provides national and worldwide services. We are a full
service private investigation firm that is licensed, bonded and insured. Our principle investigator has over twenty-five
years experience in loss prevention and corporate security. Our investigators are also experts in corporate theft
investigations, background checks, interview & interrogations / skip tracing and major asset investigations / judgment
recovery. In addition, CDS is a member of many national investigative associations.
Toll free (888) 361-3800
Fax - (407) 324-9856
Web Site- Corporate Defense Strategies Inc.
Almost every retail business receives bad checks:
CollectAChek is a NSF check recovery company that collects face value of check and charges
owner of the check cost for recovery. The business receives full amount of check. For more
information, Contact Frank Straughn @ (877) 874-9791 or e-mail email@example.com
MEADOWBROOK INSURANCE GROUP WORKERS’ COMPENSATION
The Gasoline Retailers Association of Florida proudly sponsors Meadowbrook Insurance Group as its source for workers’
compensation insurance. Meadowbrook Insurance Group Workers’ Compensation is available to the Gasoline Retailers
Association of Florida membership.
For more Information contact:
Cindy Winternitz 800-575-1816 or Pat Moricca 407-774-9700.
Gasoline Retailers Association of Florida-Meadowbrook Group Workers’ compensation dividend program has
produced a dividend on paid premiums for five out of the last six years.
Court To Hear Battle Over Eminent Domain
Residents trying to hang onto their homes in a working-class neighborhood of New London, Conn., are waging a battle in
the Supreme Court over their city government's attempt to seize property for private economic development. Susette Kelo
and several other homeowners filed a lawsuit after city officials announced plans to bulldoze their residences to clear the
way for a riverfront hotel, health club and offices. The residents refused to move, arguing it was an unconstitutional taking
of their property.
The last minute policy renewal quote:
By waiting till the very last minute it will prevent the insured (you) from being able to shop for a
lower cost policy. Below are a couple tips to help you get the best deal on insurance.
Liability: At least six weeks before your policy expires, seek out competitive quotes from at least
one additional agent/company. You will need to know your current policy coverage and terms to
get competitive information. Gasoline Retailers Association of Florida’s/Insurance Office of
America’s money saving programs and a complete insurance package to meet your business
Contact Glen Esbjorn from the Insurance Office of America for your insurance needs @ (800) 242-6899 (407) 788-3000
or Pat Moricca @ (407) 774-9700
For Group Health Insurance: Contact Sharon Cockrell @ 1-800-243-6899 x 5412 for information.
S. O. S.
Safehouse of Seminole Domestic violence is a social issue, which crosses all boundaries and
threatens the very fabric of our society. At Safehouse of Seminole, we are dedicated to breaking
this cycle of violence through our shelter and community outreach programs. Our crisis line and
shelter programs provide victims and their children with the resources they need to begin healing
from past and preparing for their future. Believing that education and awareness are vital tools for
change, we provide educational programs in Seminole County Schools and other community
organizations. 24-Hour Crisis Line 407-330-6933.
Safehouse of Seminole needs your donations
Your contribution to Safehouse may be tax deductible on your annual tax return, as Safehouse is an organization
of the type described in section 509(a)(1) and 170(b)(A)(vi) under the Internal Revenue Code. Our registration
number is SC-05086.
Safehouse of Seminole Wish List:
Personal Needs – Bedding Needs – Baby Food & Needs -- School Needs – Grocery/Kitchen/Cleaning Needs – Holiday
Needs – Miscellaneous Items for everyday Needs!
Contact the Safehouse of Seminole @ 407-330-3011 for a copy of their Wish List.
Please make checks payable to and mail to
Safehouse of Seminole PO Box 2921, Sanford, FL, 32772
$10____ $15____ Name__________________________________Telephone_______________________
$20____ $50____ Address_______________________________________________________________
WHEN THE GOVERNMENT WANTS YOUR PROPERTY YOU HAVE RIGHTS
But You May Also Have Obligations:
You receive a letter from a governing entity (state, county, city, etc.) saying your property, or part of it, is needed for the
improvement or widening of Main Street, Anytown, Florida. In a state growing at an exponential rate with,
seemingly, every other road under construction, this is becoming a common occurrence. The purpose of this
article is to present an outline of the process involved when the government uses its power. This process is
often referred to as condemnation and owners and businesses have rights provided under Florida law.
For full information, Contact:
Barry S. Balmuth, P.A.
Centurion Tower-Eleventh Floor
1601 Forum Place, Suite 1101
West Palm Beach, Florida 33401
(561) 242-9400 Fax (561) 478-2433
Gas Station Including Land
New environmentally approved tanks/veeder-root/major brand
busy road-approx. 39,000 cars a day great location with land Asking 1,100,000
Plantation, Florida; Call 561 495 1373
SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION
Grogan Realty Co.
Specializing in Gasoline stations &
Commercial property financing available Insurance Office of America
(904) 737-3493 1855 W.S.R. 434
Fax (904) 731-0025 Longwood, FL 32750
Group Health, Property & Casualty Liability
Meadowbrook Insurance Group Underground Storage Tank Insurance
Workers’ Comp. Dividend Program Contact: Glen Esbjorn (800) 243-6899
Paid dividends 5 of 6 years)
Contact Cindy Winternitz Chokshi Accounting & Tax Services, Inc
(800) 575-1816 201 Park Place Suite # 300
Altamonte Springs, FL 32701
Collect A Chek (407)332-8311
NSF Check Recovery
Ypsilanti, Michigan 48197 RPM inc.
Contact: Frank Straughn Receipts-Printing-Marketing
Toll Free: 1-877-874-9791 1536 Bonair St.
firstname.lastname@example.org Clearwater, FL 33755
Hamid Ghannad Bill McKnight
United Oil Co. Inc. Automated Petroleum & Energy Tim Loggins
5012 E. Broadway Co. Lewis & Raulerson, Inc.
Tampa, FL 33619 P.O. Box 1110 P.O. Box 59
(813) 241-4610 Brandon, FL 33509 Waycross, Georgia 32502
(813) 681-4279 (912)-283-5951
Lost your lender
No wonder: With all the mergers, acquisitions and closings, your lender is probably lost too.
We specialize in extending competitive rates on financing from $75,000 to $5,000,000 through SBA and USDA
GOLETA NATIONAL BANK
A Community West Company
Contact John Grogan Business Development Officer
Office 904-731-9020 fax 904-731-0025 cell 904-571-6564 E-Mail email@example.com
GASOLINE RETAILERS ASSOCIATION of FLORIDA
WELCOMES ALL NEW MEMBERS
MEMBERSHIP DOES NOT COST, IT PAYS
Oil prices briefly passed the $58 mark in March
Nymex Crude Oil Prices
5-2 50.92 5-11 50.45 5-20 46.80
5-3 49.50 5-12 48.54 5-23 49.16
5-4 50.13 5-13 48.67 5-24 49.67
5-5 50.83 5-16 48.61 5-25 50.98
5-6 50.96 5-17 48.97 5-26 51.01
5-9 52.03 5-18 47.25 5-27 51.85
5-10 52.07 5-19 46.92 5-31 51.97
In helping others, we shall help ourselves, for whatever good we give out completes the circle and comes back to
us. -- Flora Edwards
Experience is the thing you have left when everything else is gone.