I think all year long we've talked about one or two different people stepping up at the right time. I think tonight I had five kids on the floor step up and do the little things.

Life is all about timing... the unreachable becomes reachable, the unavailable become available, the unattainable... attainable. Have the patience, wait it out It's all about timing.

As people move in, companies follow them. We're fortunate that we're in the right place at the right time,

It is meant to get the right product for the right people at the right time.

Brokers and carriers have to make sure the right disclosures were made by the right people at the right time-and that they can document it.

People have a right to breathe clean air. It is time to stand up to the challenges, the critics and to tobacco interests.