Welcome to Fall

Welcome to Fall

I have just spent a week in the White Mountains of New Hampshire. The foliage was just starting to turn into a wonderful koliascope of colors. Unseasonably warm then while there, we are now getting back to the usual temperatures of October. The gardens are wilting down, the skins on the tomatoes are thicker, canning and freezing are in full operation. Corn stalks are turning brown in the fields, and as the leaves die back, acres of bright orange pumpkins are evident against the backdrop of browning leaves. Sumacs along the edge of the swamps are bright red and are probably the earliest of the changing season.
The tree leaves, although still changing color here, are starting to drop. They go in stages. Most noticeable are the maples as they seem to go overnight. The oaks, that are most abundant in this area, go more slowly. Many do not lose all of their leaves over the fall but wait for spring and new growth. All I really know is that by Thanksgiving I will be knee deep in leaves and thanking God for leaf blowers.

 

Right now the houses on the street are slowly starting to sport scarecrows, orange lights, pumpkins, and corn stalks. Soon the neighborhood children will be buying and making costumes for trick-or-treating. I’m stocking up on candy bars as there will be about one hundred little ones knocking at my door. Some not so little ones, too. I chuckle at the less than one-year-olds that come in their parents’ arms, knowing full well that these babe-in-arms will get none of the bounties.

It is a wonderful time of year. With a chill in the air, it is a great time for walking and hiking. Despite a year with a heavy infestation of gypsy moths, the oak trees have put out an abundance of acorns. That means that with this bounty the squirrels will have been just as busy reproducing large litters. That may mean a problem for next year. If the season does not provide for the newcomers, then the population of squirrels will dwindle again. They come and go from year to year.

It’s the time of year that I start looking towards my own Halloween decorating. I don’t do a lot, but do enjoy carving pumpkins. Choosing from a collection of patterns that were collected over the years, I pick them based on available time and the effort required to do the work. There is a ghost that hangs from a tree to welcome the kids with a cackle. Using white paper bags and black silhouettes, luminaria lines the walk up to the front door. The advent of flickering battery operated lights take away the danger of flames in the pumpkins and luminaria. Other smaller lights and decorations are brought out of storage. The costume for the dog involves a bandana and motorcycle hat. My own costume comes from a collection in that same storage area and varies from year to year. With a motorcycle dog, then a motorcycle Mama may end up being the choice.

Not a big fan of roasted pumpkin seeds, when the guts are pulled from the pumpkins, I put the collection in a large shallow roasting pan. This pan is placed on a storage box on the deck just outside of the living room window. From my recliner, I am privy to a private show of the squirrels coming up to feed on them. It keeps them out of the bird feeders. The biggest male always stakes his claim on the pan of seeds, chasing away all others. Somehow that just doesn’t seem fair.

Selecting on a Bhutan Head to Operator for Your Future Bhutan Vacation

Selecting on a Bhutan Head to Operator for Your Future Bhutan Vacation

Now that is a tad snobbish I am aware. I am supposing that you are arriving to Bhutan to see all of us. It’s understandable that as one of the most reputable Bhutan tour operators, we would want you to come and experience what We believe will be your finest vacation yet. Having said that, were aware that any international trip will surely rattle your pocketbook simply a little bit. Consequently, let all of us help you plan your upcoming Bhutan vacation with caution so that it comes forth as the penultimate experience we would like it to be.

 

Choosing the Right Bhutan Tour User
In a perfect nature of disclosure, I need to let you know that we are a leading Bhutan tour user with many years of rich experience in changing vacations into dreams. Does indeed that prevent us from being objective? I avoid believing so. On the contrary, I think it allows us to reveal with you some of why we are so successful inside our humble role as Bhutan’s #1 travel facilitators. From the sensitive are a few things you should consider: “tour operators for Bhutan packages”

You. Handle a Bhutan concert tours operator that is accredited by us government of Bhutan. Not all are and so you should specifically inquire about this and confirm their credentials.

 

2. The cost of your Bhutan package is determined by the federal government and not by the travel company you will eventually select. Nevertheless, ask the company in clear conditions to give you a detailed run-down of how they plan to last.
3. If perhaps your upcoming Bhutan travel involves hotel stays, ask them to specify which hotels you will be patronizing and read them on the Internet. If you happen to have a particular hotel preference, probably it will be let in.
4. Look for a cell phone number and engage in a productive discussion with the Bhutan tour user you have selected before you sign the filled line. Bhutan has halted to be a country that dwells before. That is both traditional and modern simultaneously in their own unique way and there are plenty of cell phones in Bhutan to help you hook up with your new found friends.
5. Bhutan travel operators will gladly provide you with references-your guy citizens who have stopped at the in months absent by. Look for references. http://www.travelmusafir.com 6th. Initiate the checking away the Bhutan travel company well in advance. Cosmopolitan vacations demand a nice dose of timely forethought. However, they can be well well worth the effort.
So there they are. A few pointers on selecting the right Bhutan tour owner for your upcoming Bhutan vacation. Use these details and benchmarks to check us out too and make certain to notify me how we have faired in the litmus test.

Family Ski Rentals Done Right

Family Ski Rentals Done Right

Skiing can be expensive, especially for families. The option to rent skiing equipment is often much cheaper and more flexible then buying it outright for the whole family, and is even more useful for the young ones who grow out of things so fast. It is often tempting for holidaymakers to look for the cheapest ski rental available – while this is necessary for many families, if you do not know what you are buying it can lead to problems on the slopes. Here are some tips of things for you and your family can look out for in order to get the best kit for your money.
Age and Quality

 

Just because you are renting and not buying does not mean that you should put up with old skis that are not fit for purpose. When you are renting skis always ask how long they have been in service for, and if it is longer than 10 years then ask for a different pair. Don’t worry about the surface scratches and scrapes, all skis pick these up very quickly. What matters more is how they feel in your hands – are they firm but flexible or are they sluggish and hard? All skis should have a bit of give and bounce back into shape easily.

Boot fittings

Making sure your boots fit properly is the most important part of ski rental. Get this bit right and you will be zipping along in happy comfort. It sounds obvious, but make sure that your ski boots are not too big or too small. The best way to ensure that they fit is to try them on properly first as shoe size does not always ensure well-fitting footwear. If they don’t fit, don’t sign.

Choosing Skis

These days, couples and families are bombarded with a hundred different options for skis, all with their own buzzword like ‘performance’ or ‘elite’. These range in price and scared tourists usually take a stab at skis in the middle range, whether they are suitable for them or not. To avoid this, have a good chat with your ski rental or tour operator to find out exactly which ones fit the slopes and experience you have in mind for that holiday. Then you can be sure that you’re renting the right skis for you – and maybe even save some money too.

Terms and Conditions

On a ski holiday, circumstances can change quickly and you may wish to return or change your equipment. In these instances – they happen to all skiers, beginners and pros – the small print of your rental contract is very important. Does it allow you to swap out equipment straight away? Are there exorbitant prices for breaking or losing things? All should be discovered before signing for anything, and if you are not sure don’t be scared to ask. Remember, the customer is king!

Get Your Family Covered

As well as taking care to get the right ski rental, it is also worth making sure your family has comprehensive winter sports insurance. At InsureMore we understand that holidays are expensive and having great protection for your family against accidents shouldn’t have to cost you an arm and a leg. After all, you will need them for the skiing! We offer great low-cost family winter sports insurance that will keep everyone protected and give you piece of mind while the kids are shooting down the mountainsides.

The Evolution of Cormoran Without Flight

The Evolution of Cormoran Without Flight

The animals of the Galapagos Islands are famous for some of the most unique in the world. With a high number of endemic species, wildlife vacations in the Galapagos offer nature lovers a glimpse of true evolutionary microcosms. Many species have adapted to this unique and remote environment by developing characteristics that enable them to survive in harsh and diverse conditions. Of all the species, though, few adapt to unusual ways like non-flying birds. The Evolution of Cormoran Without Flight
Flight cormoran

On his exploration of the archipelago, the naturalist Charles Darwin was fascinated by the discovery of a cormorant with wings so that it was not proportional to its size so it could not fly. At that time, Darwin was formulating his amazing theory of evolution and natural selection, and he believed that environmental change could result in the loss of birds’ ability to fly. In modern studies of bird DNA, scientists have discovered that, more than two million years ago, it also underwent genetic changes, resulting in a small wing that made it impossible to fly. The Evolution of Cormoran Without Flight

Story Two Halves

While Darwin observes that many evolutionary changes occur in the archipelago that can contribute to the process of natural selection of the species, scientists have gone a long way to deciphering changes in birds at the molecular level. The Evolution of Cormoran Without Flight

Characterized by its short, thin wings, this is the largest of all world cormorants, and the only one of 40 species that can not fly. However, this is a very strong swimmer, and capable of diving for fish. From his observation of this characteristic, Darwin hypothesized that, with the loss of flight, the bird had developed another skill that enabled it to survive – a process now known as positive selection.

Another possibility is that birds lose their ability to fly just because they have no predators to escape, and they do not need to migrate to breed. It is also possible that the change occurred as a result of a combination of these two reasons.

Through a project in which relationships are found between genetic changes in bird DNA and changes in the structure of certain proteins in the body, scientists identify the existence of a gene called CUX1. The gene structure in the cormoran from the archipelago is different from other species capable of flying, so scientists can conclude that its existence alters the function of certain proteins, which affect the size of the wings. They also found that bird DNA showed high mutations affecting the cilia, which play an important role in the development of skeletal and bone growth. The Evolution of Cormoran Without Flight

Research into whether genetic mutations of the non-operable cormorants shared by other non-flying birds is under way, but the same type of genetic change has been found to cause problems in the development of the human skeleton. Findings from the work of researchers with birds have the potential to lead to new treatments for serious bone disorders in humans.

Discover the unique Cormorent Flightless Cormorant on Holidays in the Galapagos

For those visiting the wildlife resort of Galapagos, more than 1,000 pairs of birds can be seen on the islands of Isabela and Fernandina. They can be observed diving for food around the ocean, using their muscular feet to push them down into the water. A growing (and increasing) population is a reminder that, as always, the Universe is full of surprises.

Feel the True Burgundy on your French Cruise Barge

Feel the True Burgundy on your French Cruise Barge

It is impossible to visit France and not be fascinated with its exquisite cuisine. For the French, food is a way of life; The food is much more than just time to eat, but there is time to collect, exchange views and enjoy the delights of well prepared food together.
For this reason food in France is impassable. Expect a casual alcoholic drink – perhaps accompanied by a tempting flavor of entertaining – to produce an excellent three or four course meal complete with wine and cheese.

Visitors who enjoy French barge cruises will find that the pace of the meal reflects the soft flow of water beneath them, and the wines on their tables. Food is part of the culture in France, and eating it is a relaxing exploration of the land. Feel the True Burgundy on your French Cruise Barge

Taste of Burgundy

To really say that you have ‘explored’ the beautiful Burgundy region with your French yacht, you have to spend a lot of time tasting rich and rich dishes and fine wines elegantly wandering the streets and fields. Burgundy is an area where food and wine, sourced from the same rich lotus, is an integral part of the region itself.

Think of a stew full of the flavor of the flesh raised in the field; wine grows in its incessant vineyard; mustard seeds from ripe seeds in the sun; and snails feeding on the famous vines. This is the herb that became the heart of Burgundy cuisine. Feel the True Burgundy on your French Cruise Barge

Dishes to Find

While visitors to France often look forward to excellent ‘French’ food, it’s worth remembering before you leave for a French cruise ship to Burgundy, each region has its own unique cuisine, fed by local flavors and ingredients. However, in the Burgundy case, these ingredients have become so popular in the world that local dishes in the region have become part of what we now consider to be typical French cuisine.

Dishes like Boeuf Bouguignon – where the notorious local red wine combined with Charolais cattle in the region to create a hearty mellow soup full of flavor – has become a popular staple in many French brasseries. Other dishes, such as escargots à la Bourguignonne, are not only made in this region, but depend on local black slugs that are raised and fed on local grape leaves.

You may have seen on the AOC Poulet de Bresse menu, referring to the chicken raised in and around the Bresse in Burgundy. Chicken laying free with rich and soft milk and wheat that likes meat, making it a perfect ingredient for any chicken dish. Combine this chicken with the famous local Dijon mustard and some excellent local Chablis and you will have a feast suitable for a king (or guests traveling on a French yacht). Feel the True Burgundy on your French Cruise Barge

Pairing Wine

Of course, you can not visit Burgundy without trying its most famous exports. From world-renowned Chablis to its beautiful pink and white colors, Burgundy wine is adored all over the world. For locals in the region, beautiful wines are a delicate accompaniment to their flavoursome cuisine. For visitors who pair wine made from grapes grown in vineyards with food produced from the same landscape, Burgundy gastronomy can be a wonderful culinary adventure.

Paul Newman is a Marketing and E-Systems Executive for European Waterways, France’s most respected luxury barge cruiser service provider, and cruise ship barge to other major destinations. Part of an experienced barge team, Paul first queued to support a slow-paced barging cruise facility for anyone looking for a unique holiday experience. Feel the True Burgundy on your French Cruise Barge

Get Ready to Rock the Mountain: Musilac 2018

Get Ready to Rock the Mountain: Musilac 2018

If you’re planning a ski holiday to Chamonix with a group of mates and can’t decide when to go, my advice would be to wait until April 2018. That way, you can participate in Musilac Mont-Blanc 2018, the ultimate party on the mountain! This new spring festival is expected to become one of the biggest annual music events in Chamonix.
What to Expect

 

Musilac is already famous in Aix-les-Bains, where it is a popular summer festival. Past headliners have included everyone from Elton John and Sting to The Chemical Brothers and David Guetta. For Chamonix, festival organisers promise an equally stellar line up: so far, 15 acts are scheduled to play from April 19 to 21.

The Festival will be a massive affair: it’s estimated that up to 30,000 spectators will attend the three-day event. An open-air stage will be set up at the Bois du Bouchet paragliding landing area, which will play host to audiences of around 15,000 each night.

To ensure that this is one of the major events in Chamonix’s 2018 calendar, Musilac organisers have partnered with MontBlanc Médias, a renowned French media group that specialises in extreme sports.

Ski the End of the Season or Just Hang Out

Whether you’re a keen skier and want to take advantage of Chamonix’s cheap ‘end of season’ deals or you just love the party atmosphere of a festival, April in Chamonix is perfect for you.

Set at the foot of Mont Blanc, the resort’s skiing opportunities are guaranteed throughout the spring, during which there’s a fantastic range of glacial skiing that really comes into its own from April onwards.

There are a range of nursery runs for beginners, – although the snow cover this late in the season can be risky – and for intermediate and advanced skiers, Chamonix’s challenging runs provide the ultimate high-thrill playground.

In town, you’ll discover that Chamonix is a bustling place with a cool, hip crowd that populates the resort all year round. There are some great bars and clubs, and the pretty centre is equipped with many nice café terraces.

If you’re looking for a group holiday during which you don’t want to hit the pistes every day, combining a ski holiday with one of the best events in Chamonix ensures that you’ll have a blast!

How to Get There

Taking part in the many events in Chamonix couldn’t be easier, as there are regular flights from the UK to Geneva, Chambery, Grenoble and Lyon airports during the ski season.

For a good-value transfer option, book a group transfer with Shuttle Direct before you leave home. Choose either a private or a more economical shared group transfer, and our drivers will pick you up from the airport and deliver you straight to your resort. It doesn’t get easier than that!

Insurance Discount you missed at

Insurance Discount you missed at

Having your vehicle and home insured is mandatory if you want to protect your assets from unexpected events. However, peace of mind is not always cheap. If you are looking for homeowner insurance in North Andover, MA, you may be looking for a good-sized policy that will not break the bank. If saving money is important to you, it’s time to look at all your policies. Did you know that there may be many discounts for your insurance that you have missed? From car insurance to homeowners, here are some discounts you should get.

Military discounts No matter what military branch you’ve served, you deserve recognition for your time in the U.S. Armed Forces. From the Army to the Coast Guard, most insurance agents will honor your service by giving you a discount for your insurance. In many cases, this can be applied to your various policies and not just one.
Good Student Discount. If you or one of your dependents are currently attending school, there may be a discount on your insurance policy based on your value. However, the guides may vary depending on your carrier and your policy. For example, some companies may request that your score be high enough to be earned on the honors or deans list. Some may just ask for a GPA at some point. In some cases, there may be an age limit or class limit for discounts. We recommend contacting your insurance provider directly to inquire about the possibility of this discount. Insurance Discount you missed at
Some Discount Cars. Have more than one driver living under your roof? There may be a discount for that! Many insurance companies will offer a discount if you have multiple drivers or cars insured with them.
Discount Bundling. If you have a homeowner’s insurance policy, you may also have a car insurance policy. You may even have policies on boats, ATVs, or motorcycles. However, if you have it all insured with a different company, you could lose the discount. Bundling your insurance policy together with one company will usually save you money. Not only will you get a rebate of all your policies with one carrier, it will make it easier to file a claim and pay your bills on time. Instead of dealing with different premiums and due dates, all your payments will be rolled out into one. Insurance Discount you missed at
Organizational Discount. Sometimes, the company will offer a discount if you are a member of a particular organization or company. Often, large companies will negotiate discounts with certain carriers as an incentive to have their employees enter with them. However, this is not always available to all organizations or operators. For more details, talk with your insurance carrier.
Discounted equipment. If you have an alarm system, camera or other special safety features in your home or vehicle, your carrier may offer a discount. This is because additional safety features can prevent accidents or accidents from entering, causing claims to be filed. If your car does not come with a qualifying feature, you can add it after you buy it.

Insurance Discount you missed at

Getting the best deal for your homeowner’s insurance in North Andover, MA, is easier than you think. Simply find an insurance company that offers discounts in the area you need and provide adequate coverage. Now you know all the discounts you can miss, why should you issue an expensive policy? Plus, having homeowners and other policies brought by the same company, you can save time, money, and energy in the long run.

How Comprehensive Should Travel Insurance

How Comprehensive Should Travel Insurance

It’s never fun to contemplate something might be wrong while traveling. Most of us are swept up in excitement, or distracted by all the details of the planning involved, so we barely think about ‘what if’ second thought. However, with so many factors and variables involved in the ‘going on holiday’ experience it is imperative that the majority of them run smoothly. Unfortunately, the law of probability may be against you, so it is best to fight comprehensive travel insurance.
Worst case scenario

How Comprehensive Should Travel Insurance

So, let’s intermittently enjoy all the annoying little sounds in your head and ponder all the things that might go wrong. The basics come to mind first; What if my flight is canceled or delayed? Starting the journey on this false footing could start a worse domino effect. Flights, though most airline aviation efforts, are still a rather unreliable form of transportation. They are subject to Mother Nature’s will and human ability to accurately adhere to tight schedules, both of which lack a track record that is usually strong or steady. It is best to think of comprehensive travel insurance as a convincing grandmother’s voice, offering wise advice and telling you not to worry, go and have fun. At the most basic, travel insurance will cover the cost of flight delays, cancellations and public transportation associated with shenanigans that you may encounter.

Other common problems most people have about travel include issues with accommodation, baggage loss, and / or injury or illness. Depending on your purpose, some of these issues are more justified than others. Before traveling abroad, you should read carefully the FCO’s website for any travel and health-related travel advice, including recommended travel inoculations. Again, comprehensive travel insurance is your safety net if you are sick or injured while abroad. Costs that are potentially spent overseas from travel to A & E vary greatly from country to country. Regardless, the last thing you want to worry about right now is the astronomy hospital bill to take home as a souvenir.

More Means Less How Comprehensive Should Travel Insurance

The more ‘comprehensive’ your travel insurance is, the less you have to worry about. Even the most talented carrels are unlikely to fret about any possible problems or disasters that can happen while traveling. Most of us can not anticipate randomly harbors of coconut bumps, or snow shorts while on a ski trip, which is a true insurance claim that has been covered in the past. A comprehensive travel insurance job is taking both the headaches and the concerns of the traveling process.

Positive thinking!

Ultimately, the best form of comprehensive travel insurance you can buy is the kind you do not use, and then wondering ‘is it really worth the money’? The answer is ‘yes’, it’s really worth the money, and it’s always better not to tease the fate. Destiny likes a good challenge and seldom fails to deliver it. So ask for your grandma’s wise advice and get the most travel insurance you can. Then you can really go and have fun and not worry about anything!

Author Plate

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in annual, family, single travel and all other types of comprehensive travel insurance. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.

Why MUST have business card

Why MUST have business card

 

A few days ago, two sales representatives from Colonial Life were present as guest speakers in my marketing class. Both share valuable information with our students. Interestingly, none of them majored in marketing and both worked as teachers before becoming salespeople.
While both have good insights and suggestions, I can recall his name to only one of them. John has 206 connections on LinkedIn. He earned a master’s degree in education and specialized teaching. The motto is: Giving honest benefits to honest people. And his last name is Heath. Why MUST have business card

What about other sales representatives? Well, I do not know much about him. I’ll try to find it on LinkedIn. Maybe I can find it by looking at the list of Colonial Life employees at LinkedIn. There are 5,408 employees! I give up.

So how do I find John?

Well, I have his business card.

I did a quick Google search using keywords: john heath colonial life. LinkedIn John’s Profile is the first result.

What I learned from this experience is that business cards are a great marketing tool. I still remember what the two sales representatives said in the class, but only John managed to make his legacy last longer than the class session. Columnist Jonathan Long says: “Business cards are potentially obsolete physical objects your prospects keep your brand with” (2015). Why MUST have business card

Perhaps the key to success in the digital age is a small set of square card stock

Optimal Auto Insurance with Fred Loya Insurance Quotes

Optimal Auto Insurance with Fred Loya Insurance Quotes

There are many risks involved in owning and driving a car in today’s world that we live. This is not too far from the fact that there is no perfect security guarantee without an insurance policy on the car, and not just insurance coverage, but also a low-cost service, and keep your comfort on the top priority list. . Loya Insurance Group covers various events that may be thrown, or the way your family. It is very important to prepare and to precede anything that may come. With our insurance policy, you can always travel safely, so why not protect yourself, your family and your assets by getting Fred Loya’s Insurance Quotes today?
Fred Loya Insurance quotes are very affordable, insuring your car at reasonable prices. Also, there are various possibilities available to you; we take on wide-ranging responsibilities ranging from general liability to full policy coverage; We are a leader in saving you money, because it is very important for us to take care of you and your family.

Optimal Auto Insurance with Fred Loya Insurance Quotes

Loyal Insurance Policy

At Fred Loya Insurance, we have a significant and very interesting policy that includes:

1. We make payments for damages, concerning bodily injury or destroyed property; as long as you may be responsible for a car accident. 2. We also make reasonable fees for medical services and funerals required due to bodily injury. 3. We make payments for damages that you allow to be allowed to collect from uninsured vehicle owners or users as a result of any injuries you suffer, or property damage caused by an accident. 4. We make payments for direct losses, and / or unintentional losses to insured cars, and equipment, reducing the corresponding cost of deductible expressed in affirmation. 5. We make payments for losses caused by collisions as far as the Declaration indicates that Collision Coverage is provided. 6. Our policies apply regardless of bankruptcy or bankruptcy on your part.
At Fred Loya Insurance, you can count on our quality assurance because our trusted professionals work endlessly to provide answers to your questions or help with your claim. We have been proven to be at your disposal for years whenever you need our support at all times throughout the day. We are committed to doing everything we can to ensure that you are fully present in a very friendly manner; So far it is very important for the safety of you and your family. We’ve compiled this policy to make sure you can count on us, and you can be assured of security.

Savings at Fred Loya Insurance Optimal Auto Insurance with Fred Loya Insurance Quotes

In addition to being committed to keeping you, your family and your assets safe, we are also very concerned about your well-being; Therefore, we have created a task point to ensure that we save your money as long as we bear you and your family.

Since 1974, we have committed to getting affordable car insurance, providing services to the public, and ensuring driver safety while on the go. We have over 526 agencies in California, Nevada, Texas, Indiana, New Mexico, Alabama, Colorado, Illinois, Georgia, Arizona and Missouri; we do our best to make purchases of general car insurance more friendly. Our professional agents, in addition to saving money, also ensure that your car insurance policy best fits your way of life, and that also includes your budget. This is what makes us unique, and keeps us in this position where we remain affordable, local, yet provide quality service. When your well-being is our concern, we have grown from being just an insurance company, but we have also grown to become an integral part of your family.

As a result, you can rest confidently because you are subject to the Car Insurance Act in the State, and more importantly the fact that you are completely free of all major roads is likely to emerge. Fred Loya Liability Auto Insurance at Low Cost

We really realize the magnitude of keeping your car and your family as a whole in safety, and we’re always ready to do this at a very low cost. Therefore we have made it a routine task to maintain our leadership in cheap car insurance. We do well to provide some of the best plans