Filing for Federal Disability Retirement: Damaged goods

Perhaps it is of a fine porcelain statue; or a painting that depicts perfection in a pastoral panorama presenting a private purview of picturesque purity (sorry for the alliteration that cannot be resisted); or a first edition book that is without blemish; or a host of other “goods” that one values, admires, cherishes — and is purchased with anticipation of contentment.

Upon returning home, one notices an imperfection not previously spotted: a small “crack” on the forearm of the porcelain figure; a tear in the upper right portion of the canvas, just below the line where the frame casts a shadow and becomes almost imperceptible; or a crayon marking on page 324, in the middle of the book, unnoticed unless one inspects each and every page.

The item cannot be returned, because of either distance (perhaps it was purchased on international travel in a small shop in a foreign country not known for return policies); policy (the sign clearly stated, “All sales are final and the purchaser bears all responsibility in inspecting the condition of the item prior to buying”) or some other impracticable reason.

The imperfection is so minor that no one else knows, would notice or otherwise cares to comment on such an impurity of the state of the condition, except for one small and irritating fact: You know.  It bothers you.  The fact of the damaged goods betrays something about yourself — not merely that a contrast against a paradigm of perfection has stirred an irrationality that struggles against good judgment, but moreover, that there exists an intolerance for a standard of less than the penultimate apex of an unreachable standard.

What does one do?  You can: Hide and stash away the item (but it yet remains with the knowledge that, hidden or not, the aura of imperfection exists); you can give it as a gift, or sell it to a third party (but what if the potential purchaser recognizes the imperfection and bargains for a better price, leaving you with a loss — will that constantly remind you of your lack of judgment when once you thought that your expertise in such matters was the paradigm of perfection itself?); justify to yourself over and over that, “Yes, it isn’t perfect, but boy is it a great piece regardless!” (perhaps, over time, this approach may work); or, do the most drastic of solutions: destroy the item and trash it.

Medical conditions have a way of impacting individuals in a similar manner as the discovery of imperfection in what one once thought was a paradigm of perfection: somehow, it is even worse, because of the personal manner that medical conditions impact: it touches upon one’s self, one’s self-image and the crumbling sense of self-confidence one possessed when health was taken for granted.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job, always try and keep in mind that the diminution of the “product” concerned (i.e., yourself, the Federal or Postal employee) is not discovered by the mere fact of filing for Federal Disability Retirement — rather, the fault is in the system of the Federal Government for not being able to be patient as you struggle to recover from you illness or injury.

Filing for Federal Disability Retirement under FERS, CSRS or CSRS Offset is not a reflection on the “value” of you; it is, instead, the reality of a system that fails to recognize the difference between the relative value of “goods” as opposed to the priceless perfection of a human being and his or her contribution to society.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Horror Tales

Whether of Edgar Allan Poe’s many tales, like The Tell-Tale Heart or The Black Cat, or perhaps a taste that extends to more modern versions, of the Stephen King genre, people like to scare themselves silly, and then to be able to declare, “It was just a story”.  Whether reality reflects fiction, or that fiction can never truly recreate and mirror the sins of our own existence is a debate that will perpetually persist.

The horrors of genocidal mankind — from the Roman era of stadiums filled to capacity to witness cruelty as entertainment, to the Holocaust and Pol Pot’s mass killing fields; to the machete-wielding genocidal killings in Rwanda between the Hutus and the Tutsis; there never seems to be a lack of horror stories, whether by creative imaginations or in the reality of a universe gone berserk.

We read about them; experience nightmares of a reality so steeped in absurdity that they awaken us with a cold sweat; and some few of us have lived them, whether in wars, by being innocent bystanders, or somehow corollary victims otherwise referred to as “collateral” damage.  Each one of us walk about with horror stories; some of insignificant vintage narratives; others, of consequential victimhood to such an extent that we disbelieve our ears or refuse to listen to the whole story.

Then, there are the daily horror stories; maybe they don’t count as such and few would even bother to listen — like Federal and Postal employees who suffer from a medical condition and where the medical condition is about to end the once-promising career that has suddenly hit the “pause” button and ceases its once-ever-trajectory towards an upward trend.  Medical conditions at any age are “horror” stories that are often kept secret, stuffed in envelopes of silent lips unopened, and festering in the suffering inner minds of zombie-like peoples walking amidst the turmoil of a world gone berserk.

For Federal employees and U.S. Postal workers who suffer from a medical condition and need to prepare, formulate and file an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the horror stories one carries about may not quite meet the plot or characters of an Edgar Allan Poe tale, or a Stephen King twist; but for the individual who must live and suffer through the process of ending one’s career and fight for Federal Disability Retirement benefits, the tale of horror is nevertheless real, and consulting with an attorney who specializes in Federal Disability Retirement Law may well blunt the ending of a tale which is fated to otherwise end in a fit of screams and mayhem.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement Benefits: Losses

How many losses must one accumulate before being deemed a “loser”?

Was it just yesterday that Cal Ripken, Jr. won with the Baltimore Orioles in 1983, after a mere couple of years in the minors, but with that World Series ring on his finger, would then see decades of losses mount as a result of poor decisions in trading players, acquiring “has beens” and being in the unfortunate AL East where the Yankees and the Red Sox seem always to vie for the top tier of the elect?

Can a team win a World Series one year, then go on for thirty-plus years without ever winning one again, and yet be deemed “a winner”?  Or, can one always pause, give a grin, and say, “Yeah, but we were winners in 1983!”

Does one win wipe out an avalanche of losses such that the singularity of glory negates the overwhelming statistical significance of unending disappointments?  Or, what of the person who once had a promising career, but through a series of unfortunate circumstances considered by most to be no fault of his or her own, cannot quite achieve that level of promises dreamed of but never materialized?

Do we, in our own minds, create conditions which are impossible to attain, and then deem those unreachable goals as “losses” despite the artificial nature of the criteria imposed?  Do losses mount and exponentially aggregate because failure seeks after failure, and somehow the subsequent one is a natural consequence, inevitably by inherent nature, of the previous one?

Does bad luck come in bunches because of some Law of Nature, or is it just in our imagination that it seems so?  Are much of losses artificially created — i.e., we set the proverbial “goal post” in our own minds, then miss the metaphorical field goal and become despondent over the “loss” created within our own imagination within contextual circumstances fantasized that have no connection to objective reality?

For Federal and Postal workers who suffer from a medical condition such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, that sense of “loss” can be an admixture of both objective reality and subjective, artificial creations.

The medical condition itself is an “objective” loss; but the Agency or the Postal Service’s efforts to compound the adversarial circumstances can be created in an ad hoc manner, where there are no rules or criteria to follow except upon the whim of the supervisor or the department’s reactionary intuition.  The interruption to one’s career; the constant struggle with a chronic medical condition; of being forced to deal with deteriorating health — these are all real “losses”.

On the other hand, adversarial initiations by one’s Federal Agency or the Postal Service — these, too, are “real” losses, though artificially created and unnecessary, in many instances.

Both must be dealt with when preparing, formulating and filing a Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset — but the fact that one must “deal with” so many “losses” does not, in the end, make one a loser.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Imperceptible light shifts

They are almost imperceptible; in any event, we would not otherwise notice them but for the altered hue in morning’s glory of pink shades and yellow gleams of delight.  From one angle and perspective, one might miss the subtlety of a purple shade not otherwise naturally given to observation; from another, a shift, quite impossible to grasp and declare, but there nevertheless, and that is precisely what occurs with the imperceptible light shifts we miss in the daily lives of busy modernity that destroys and in incremental deterioration withdraws from grace.

But that we had the time, or made the way, for viewing and studying the changes of a world’s color; but we act as though we are colorblind, and rush through each day without noticing the alterations of the sensory universe we occupy.

Nature itself is a deceiver of sorts; from the sun’s rise to its apex of brilliance to the fall into twilight behind the arc of earth’s perimeter, we are unable to view the brightness directly, lest we blind ourselves in such a foolish attempt, or otherwise try and comprehend such source of solar energy in a figurative sense like the Cave Analogy in Plato’s Republic, of that chained soul who lives only within the shadows of appearances not reflective of reality.

No, it is the inability to feel the rotation of the ground beneath us that first welcomes the rising sun, then imperceptibly travels the distance to give us the gift of light, only to incrementally and with deliberative direction progress towards the pathway of twilight’s descent that allows for event a glint of the nether world.

Imperceptible light shifts may be seen in the refractive beauty upon a crystal’s gleam, or upon a clearing in a forest after a burst of rain; but it is in life generally that we must keep an eye out for the beauty of change, in order to be in consonance with a universe that is divorced from our instinctive sensibilities as the animals we once were in roaming the earth like the American Indian who followed the migration of the buffalo herd.

For Federal employees and U.S. Postal workers who are impeded in life by a medical condition, such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of the Federal or Postal position occupied, those life-startling but imperceptible light shifts are like the subtle hints of the body’s agony:  They tell us things that we already know, but are too stubborn to see.

Filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is never an easy perspective of a long and arduous road to take; but like those imperceptible light shifts, it is the gleam of a future’s hope that must pave the way in prompting that which is necessary, as opposed to what we merely desire out of life.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement under FERS & CSRS: Where we are

Wherever we are, we believe that is where the focal point of life resides.  Yes, it is a truism that the wider the travels, the greater recognition that one’s life is relatively insignificant, and that there are others in distant places where greater importance and relevance is objectively established.

But the subjective, human perspective cannot ultimately abandon the compass of where we are; for, it is the center of the compass itself that controls the direction of the gravitational pull, and while the North Pole may be where the forces reside (including Santa, all of his elves and helpers, and presumably Rudolph and the offspring), the perspective of where the arrow points remains constant:  It is the I, where I am and what circumstances impact me (in whatever form the personal pronoun is enunciated).

Is it an inevitable perspective – this egoism of the subjective “I” from whence the world is viewed, around which swirls the universe that rotates, churns and erupts in unanticipated transcendentalism encompassing the universal karma denoting an insignificant place in the warped historicity of mankind?  Or, is it possible to have been brought up in a community where there is no word within the language game of the collective peoples that points back towards one’s self?

Thus, the “what if” game:  What if there is no personal pronoun?  What if the perspective embraces only some other, such that each views the importance of the other and the relative irrelevance of the one who perceives the other, such that there is no one but the ego in a reflection of a mirror pointing to someone else – would that make a difference, such that there would therefore be no personal possessiveness, neither in grammar nor in envious jealousies of owning that which is everyone else’s?  Can a person exist without being erased and stamped out, in a society where collectivism is constant and self-realization is an alien concept unable to be comprehended?

But that is not so; here, in modernity, there is but the subjective “I”, the royalty of self, and the self-importance of the fanfare where each and every one of us seeks and relishes the quarter hour of fame, now transformed into reality television shows and Selfies on an extension pole, or by min-drones hovering with a camera taking aim at every movement of our selfish worth.

For the Federal employee and U.S. Postal worker who must prepare, formulate and file an effective Federal Disability Retirement application, be cautious in determining “where” one “is” – for, an effective Federal Disability Retirement application can quickly become consumed by the subjective “I” in the narrative delineated in the Applicant’s Statement of Disability (SF 3112A).

To be an effective Federal Disability Retirement application, there must by necessity contain and retain a certain sense of objectivity, tempered by the medical documentation and evidentiary compilation to be submitted.  Yes, yes – where we are is important in life, but remember always that where we are is only relevant from the vantage point of where we want to be tomorrow, and the day after that.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement: The 90/10 rule

It is a general principle to which most of us adhere to, or at the very least, confirm and affirm by own own actions or lack thereof.  In work, 90% of what we do constitutes drudgery and repetitive toil of uninteresting accomplishments; we strive, however, for that opportunity to perform the remaining 10%, which makes for an interesting career.

A similar proportional reflection applies to marriage and love; there are corollaries to the statistical generalizations, however, such as our own children and those of others — where 90% of other people’s kids are bratty and selfish, but only about 10% of parents know it, would acknowledge it, and might even own up to it, but where 90% of parents believe that their own kids are the cutest and most brilliant prodigies yet known to mankind.

Then, of course, there is grandpa’s admonition about people in general:  90% of the people you meet aren’t worth a penny’s value of attention, and of that 10% who might show some promise, 9 out of 10 (i.e., again, 10%, or 1% of the aggregate) will turn out to have merely fooled you.

What does that say about choosing a life-partner in romance or marriage?  90% of the time, people in general are going to disappoint, and 10% might meet expectations of contentment; but then, 90% of us believe that, from the “other’s” perspective, we ourselves always fall into that 10%, when in fact we likely fall into the 90% ourselves.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of the Federal or Postal job, such a state of affairs likely falls into the minority of Federal or Postal workers — again, generally about 10%, if that.  The problem, however, is that the majority of that 10% or so (again, probably about 90%) believe (mistakenly or self-delusionally) that they will fall into the 10% of such groupings who are able to continue their Federal or Postal careers despite the progressively deteriorating condition.

What the Federal or Postal employee who falls into that initial 10% or less of the workforce, whether under FERS, CSRS or CSRS Offset, should do, is to ensure that you become part of that 90% or more of Federal employees or U.S. Postal Service workers who recognize that preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is not merely a matter of statistical luck, but requires a foresight of effective preparation and competent insight — in other words, to be in that 10% as opposed to the 90%, attesting to the fact that, all in all, the 90/10 rule has some grain of truth to it, if only somewhat on a 10/90 scale.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The mere asking of a question

In modernity, the asking of the question in itself raises a suspicion.  Being curious no longer kills the cat in some obscure, proverbial manner; to inquire immediately brands the individual and categorizes the questioner based upon the query of conventional consciousness.  Thus is debate of any kind quelled; for, to engage in a dialectical process requires a prefatory landscape of imaginative fertility; but in an atmosphere of poison and shallow interests already consecrated, there can be no classic form of “give-and-take”, of a level of intellectual inquiry required for the pursuance of excellence, improvement or uncanonized thought processes.

Can society ever escape from this cycle of self-immolation, where intellectual integrity is questioned, when speakers are shouted down at quiet lecture halls of solicitations for a teleology of thought, and at a level of purposive questioning, as in the days of yore when the pestering Socrates questioned every convention of the powerful and influential?

It will be difficult, if only because the widespread de-coupling of thought from information, separated by the force of modern technology, where deviation from identity is difficult to maintain, has made drones of us all.  Fortunately, law is, and remains somewhat in a sacrosanct manner, an arena which allows the simple query to survive, if only within the compound of argumentation for a cause.

For the Federal employee and U.S. Postal worker who becomes the victim of one’s own bureaucracy, where a medical condition requires an accommodation but the Federal Agency or the U.S. Postal Service is unable, or unwilling, to pursue avenues to allow for the continuation of one’s chosen career, preparing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is often the best and only alternative to pursue.

The battle of inquiry and improvement — for, if you think about it, they go hand in hand in that the only way to “improve” anything is by questioning the status quo — may have to come to an end; and as it takes effort to expend to question and contend for greater heights and levels of excellence, so the Federal or Postal employee who suffers from a medical condition, such that the medical condition no longer allows for the Federal or Postal employee to perform all of the essential elements of one’s positional duties with the Federal agency or the U.S. Postal Service — the energy expended in other areas must now be preserved to attend to one’s medical condition and the deteriorating health of one’s body, mind and soul.

Sometimes, the mere asking of a question must be left alone, where silence is the golden ray of future radiance, and where youth may be the proper province to leave behind a generation of upstarts who never had the opportunity to ask that ever-childhood query, “Why?”

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Employment: The transgression of indifference

The combination creates an oxymoron of sorts; as the former implies aggressive behavior of a violative act, while the latter is a response of apathy and neglect, so the two in their cumulative aggregate creates an inherent conflict of conceptual countenance.  It is, however, how most of us act, behave, and arrive at the essence of one’s being, at more points in our lives than we would like to admit.

Life has a way of defeating us.  Whether by tumults of crisis untold; loss of family or loved ones; medical conditions that debilitate and gnaw at the humanity and dignity of simple living; or perhaps because of the tiredness which we feel just from the sheer weight of responsibilities and cares which eat away, slowly and progressively, at the youthful energy from whence we began.

As a child, the hopes and dreams imparted from stories of granddad’s escapades during the war; or of the warmth of love felt in a furtive look stolen when whispers barely discernible but for the quite giggles which unveiled a love forlorn in the midst of midnight clairvoyance; but as we grew older, we shed the dust of an angel’s residue, left as sparkles of gold which brightened our future with plans and purposes, like the teleology of gods unrevealed in their codes of Thor’s thunderous commands.

Somehow, somewhere, along the road of life, we began to be indifferent.  Transgressions from others — from Postal Supervisors or of Agencies that constantly harass and attempt to intimidate — began eating away at the hopes of a career once bright, but now suddenly threatened by a medical condition.  Of all of the sins in the world, the worst is the transgression of indifference; for, what such a state of existence reveals, is that the person afflicted with it no longer cares, and has come to a point of being where such indifference becomes the defining solace of inactivity in a world which requires acting.

For that Federal employee or U.S. Postal worker who has come to such a point in life — where the medical condition is just about to defeat, but not as of today; where the harassment and intimidation of the agency is just about to destroy, but there remains a glint of spark in the belly of one’s soul; and when the energy to respond still remains, but like a dying ember falling down an endless chamber of eternal abyss; for such a Federal or Postal worker, it is time to prepare an effective Federal Disability Retirement application, submit it to the U.S. Office of Personnel Management, and wait for an approval in order to step out of the transgression of indifference, and begin to live life again in a way that matters.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Employment: Of Karl Popper’s ‘World 3’

Karl Popper’s division of the world into three clean segments of definable universes was, on the one hand, quite controversial — especially as the esoteric world of philosophy had been steadily ‘progressing‘ towards pure materialism and scientism; and yet, on the other, self-evident to almost a simplistic, tautological fault.  Perhaps that is the very implication of profundity: it is that which appears so basic and elementary as to presuppose idiocy, but containing such inherent complexity as to remain beyond the reach of most.

In simple terms, the division of the world followed the classic lines of human history and linear development of evolutionary concordance: ‘World 1’ referred to the physical universe surrounding us; ‘World 2’, the purely psychological make-up of human beings, with a special concern to Popper concerning the internal pain and anguish which we feel; and of ‘World 3’ — that universe which is the subject of this short blog, the aggregate of human products and man’s creative injection into the world, comprised of art, literature, cars, buildings, customs and normative behavior, including dress, style, fashion, etc.

There is, of course, inevitable interaction and intersecting between the bifurcated ‘worlds’ — for example, a book of literature (say, Salinger’s The Catcher in the Rye) would be both an object existing in ‘World 1’ as well as a product of human creativity from ‘World 3’. But note the peculiarity of the overlap, which makes for a unique phenomenological observation: Say you had 2 copies of the book, but one which was published in January, 2015, and another with the stated date of July, 1951.  Consider further the added element that in the latter edition, a scribble appears, which happens to be the autograph of the author.

From the perspective of Popper’s ‘World 1’, both objects would appear to be essentially identical — with the former intact, and the latter somewhat damaged because of the graffiti defiling a clean page.  However, from the vantage point of the person who possesses and ‘owns’ (a concept which would clearly belong to Popper’s ‘World 3’, as well) the autographed object, a sudden recognition of value, wealth and uniqueness would immediately attach — leaving aside intersecting points with ‘World 2’ involving envy, jealousy, awe and disbelief (which would be shared by the undersigned writer).  Thus do the various and variegated ‘worlds’ of Karl Popper posit for our study, agreement/disagreement, and further reflection.

Such division and segmentation of worlds and universes are often proposed merely for esoteric and pedantic purposes; of ivory tower conceptual constructs which have little to do with the day-to-day lives of ordinary human beings who struggle to make a living, maneuver through the complexity of the world, and attempt to survive the manipulative machinations of a society governed by microcosms of powerful but unnamed sources of evil and collusion.  But there is a recognizable worth and value to some of us, for pointing out the existence and demarcation of artifice as opposed to the natural environment from whence we came.

For Federal employees and U.S. Postal workers who are considering filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, such a bifurcation of the universe into clean segments of definable compartments, is to recognize that the complexity of the administrative and bureaucratic process encapsulating the entirety and aggregation of the process cumulatively entitled, “Federal Disability Retirement under FERS, CSRS or CSRS Offset”, is ultimately a product of Popper’s ‘World 3’, and not merely a nightmare emanating from the deep recesses of our troubled psychosis self-contained in ‘World 2’, but of an intersection between the universe of madness created by our own desire to further separate ourselves from the simplicity of ‘World 1’, from whence we came.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Employment: The power of dialectical shrewdness

The Middle English noun form of the term connotes a conniving and negative tone, as in the focus of Shakespeare’s play, “The Taming of the Shrew”; but the adjective form merely denotes a practical astuteness in utilizing scarce resources in creative and constructive ways, whereas the altered noun form of “shrewdness” simply extends upon that kinder, gentler meaning.  When truncated as a compound concept with the term encompassing language and communication, however, it is meant to imply a practical force of conveying which sheds itself of unnecessary embellishment and unrequited force of utterance.

We live by narratives.  They form the foundation of who we are, the essence of that image which we carry about, and we readily push the proverbial “button” of the subconscious when queried about our past.  It is not so much that Grandpa or Uncle Ben are getting senile when they repeat the same stories, tell the parallel jokes, or convey the identical remarks from the previous merriment of holiday cheer; no, the narratives kept deep within the treasure troves of the inner soul and psyche are mere traces of a recording played with repetitive muse.

Can they be altered or amended?  Of course.  Can corrections occur? Always.

That is why, when a third party is invited to dinner, who by happenstance was present to confirm or deny a shared and common experience, or to correct a detail not heretofore known (it turns out that Grandpa wasn’t quite at the “first” landing of D-Day, but arrived a few days later as part of a “clean-up crew” in a more “administrative” capacity), the sudden need to rearrange and reorder the ensconced narrative forever frozen in a timeless eternity of thought, historicity and remembrances, becomes more of an irritation than a grudging concession.

That is why it is vitally of importance when a Federal employee or U.S. Postal worker who is preparing an OPM Disability Retirement application, to recognize a need to depart from the automaton-workings of life’s daily routine.  Language is more than a conveyance of directions and recipes to prepare a meal; it is the manner of osmosis for higher animals and angels unseen in a universe of trolls and trollops.

For the Federal employee and U.S. Postal worker who must file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, recognizing the power of linguistic shrewdness, wrapped in the methodology of forceful dialectical argumentation — of that combination of words, facts, forming narratives of undulating emotional sensations which reach down into the depths of souls unmoved, and yet pragmatic to the core because of the sufficiency of correlating and confirming documentation gathered and research unearthed — these are what make for the fine gold dust which must sprinkle from the wings of angels when the flight of the Phoenix must arise from the ashes of a Federal or Postal career ended by no fault of your own, but through a medical condition unplanned for and unnerving to the unknown exponent of a future to be followed.

Sincerely,

Robert R. McGill, Esquire