Tag Archives: working for federal government with sleep apnea

Federal Disability Retirement Application Denied: The Response

How do we learn how to respond?  Are all responses appropriate?

If a person you pass along the street says, “Hi, how are you doing?” — is the appropriate response to actually stop and give an hour-long dissertation about your life history, how your cat recently was run over by a car, and about your kid’s problems in school?  Or, do we just tip our head with a quick nod and respond with: “Good. Have a nice day”?

And of that irritating car in front of you in a one-lane road going 25 mph when the speed limit is 50 — do we honk aggressively, try to pass even though there is a solid yellow line, and finally accelerate illegally on the shoulder, on the right side, and speed past him?  Of course, when the police officer stops you and tickets you, it is hardly a response to say, “But officer! He was going 25 in a 50 mph zone!”

Every society possesses established conventions to follow, and “appropriateness” is generally defined by recognition of, and adherence to, such conventions.

And to an OPM Denial in a Federal Disability Retirement case:  Do you write a long dissertation and attack each point — or do you call a Federal or Postal Attorney who specializes in Federal Disability Retirement Law?  Or, even if you haven’t filed, but you know that you cannot reach retirement age because of your deteriorating health — do you just submit a letter of resignation and walk away?

No; the proper response is to contact a FERS Disability Retirement Attorney who specializes in Federal Disability Retirement Law, and to discuss the strategy and the proper response in order to file an effective Federal Disability Retirement application to the U.S. Office of Personnel Management, under FERS.  For, in every endeavor of life in this complex world of conundrums and perplexities, there is a “response”, and then there is the “proper response”.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

Medical Retirement Benefits for US Government Employees: The Identical Scene

People tend to watch things over and over again which they consider to be their “favorites” — until the repetition itself becomes monotonous through overexposure.  We can all ruin a good thing, can’t we?

We can admire an actor, novelist or some so-called “star” — until we read and learn about their personal lives and realize that appearance doesn’t quite match reality.  We can have a favorite scene in a movie or television show and watch it repeatedly — until the uniqueness of it wears thin and we begin to see beyond the wonder by which we were first captivated.

That “identical scene” is something we live in real life, as well — of getting up, taking care of our personal hygiene, commuting to work (except during these recent, pandemic times), seeing the identical scene of working, day after day — until an intervening event disrupts that identical scene, such as a medical condition.

When a medical condition disrupts our lives, those identical scenes become hyper-enhanced to the point where each day is no longer monotonous nor identical, but instead, each scene is a unique frame because of the medical condition itself.  That once “identical scene” no longer becomes a favorite one, precisely because of the medical condition itself.

At that point, you need to consider filing for Federal Disability Retirement benefits under FERS.

Contact a FERS Disability Attorney who specializes in Federal Disability Retirement Law, and consider whether the identical scene you once enjoyed has now become the dreaded scene of real life.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement: The Qualifying Standard

What if a group of individuals gathered to compete in a race, of sorts, and trained, engaged in strenuous preparatory work and did all of the things necessary in order to “qualify”? They all gather on the agreed-upon date and, in customary athletic clothing, run a predetermined distance where 3 individuals out of ten cross a white line in sequential fashion. There is no doubt as to who the 3 “front runners” were. Yet, when the prizes are handed out, they are given to the 10th, 7th and 5th place runners. There is an understandable uproar. A protest is filed.

Umpires and referees gather (are there such people, or is that just in baseball, football, soccer and basketball?) and discuss the situation at length. Small, hand-held rule books are consulted and the audience sits in anguished silence as the outcome is debated in a deliberative fashion. Furrowed eyebrows are mashed in faces of concerned silence; the crowd that had gathered to witness the sporting event argue vociferously over the unfairness of it all; television crews have arrived, having been tipped off that a major scandal has been scented and the sharks have gathered for the afternoon kill.

No one notices that a little old man who has stood watching the entire spectacle with a peaceful, quiet calm has slowly made his way onto the platform where a microphone has been set up. He approaches the podium, adjusts the contraption and begins thus: “Ahem”. He pauses, waiting for everyone at the event to recognize the point from where the clearing of his throat originated, and continues on: “I am Mr. X; I organized this event. If you look at the last paragraph of the rules-book, it specifically states the following: ‘Mr. X is the sole determiner of the qualifying standard’. I am, as I said, Mr. X, and I determined that runners 5, 7 and 10 are the winners. End of story”. The little old man then turns around and walks back down, and away from the event.

Now, for Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition leads the Federal or Postal employee to file for Federal Disability Retirement benefits, this story may appear to parallel the manner in which the U.S. Office of Personnel Management acts: As a law unto itself.

Fortunately, they are not the sole arbiter of the qualifying standard and, instead, there is such a thing as “The Law”. In order to apply the law and force OPM to follow the true and only qualifying standard, however, it is necessary to “know” the law; and, in order to do that, it is best to consult with an attorney who specializes in Federal Disability Retirement Law. Otherwise, you might be subject to the same standard (or lack thereof) as the little old man who does what he wants on any given day depending on how he feels on that day, or in that moment.

Sincerely,

Robert R.McGill, Esquire

 

Medical Retirement from Federal Employment: The elixir of life

Is the substance we expunge necessarily the opposite of the positive?  Does the mere fact of expiation denote that which is unwanted, or merely no longer of utility?

In ancient times, an elixir was considered to be a substance of great desirability; it possessed multiple meanings, including a reference to that substance which was used in alchemy to alter base-metals into the gleaming riches of the natural order found deep beneath the chasms of the earth – gold.  Or, alternatively, it meant the potion or mysterious concoction that prolonged and extended life into an eternity of ecstasy; and in other definitions, a curative medicine that attended to all diseases, corrected every malady felt and balanced the unbalanced humors within the human body.

A further meaning has encompassed the concept of an essential principle – that core of something that provides an Aristotelian connection of all first causes such that when one discovers and comprehends the elixir of life, one has attained a pinnacle of wisdom next to the gods who otherwise mock the foolishness of human suffering and striving.  But back to the original query: What about the waste that is squeezed from the substance we desire – of human detritus, urine, scatological excretions and the leftovers of those thought to be unproductive; are they not necessary in that, without the capacity to expiate, it would rot within the cavities of the human tissue and destroy the very fabric that retains them?

We often fail, at the expense and detriment of our own thoughtlessness, to consider an inversion category of the original posit; we accept, at face value, that human functions of expiation and riddance constitutes just that – of throwing away, expunging, extricating and discarding – as a categorization we simplify into elementary concepts: what we consume and embrace is “good”, and that which we expiate is “bad”.

Thus do we build toilets in unassuming locations within a residence; outhouses are just that – some dilapidated structure constructed away from the home, and somewhat upwind from the wind currents that carry the daily odors of life’s contrariness.  But is that the proper way to view things?  Should we not, instead, liken our activities to that which a messianic proverb once elicited: How we treat the least among us reflects the true character of our inner nature?

Inversion thinking is a process that is too often overlooked, and because of this, we often walk through life passing by opportunities and gifts otherwise there to be accepted.

For the Federal employee and U.S. Postal worker who suffers from a medical condition, such that the medical condition no longer allows for one to continue with the present course of a Federal or Postal career, it was once believed that the elixir of life was intricately wrapped up in continuing the Federal or Postal job because it allowed for a certain career, standard of living and measure of self-worth.

This is where inversion thinking needs to be considered.  For, at what cost, and what price to be paid?

Preparing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is often a necessary step in order to attain a level of continence such that the proper balance and focus can be reached – of one’s health, as opposed to continuing in a job that has become harmful; of separating from Federal Service or the Postal facility in order to escape from the daily harassment of somehow being “lesser” because of one’s medical condition; and all of the other garbage that is thrown at the Federal or Postal employee who suffers from a medical condition.

For, the elixir of life is not always that substance we thought was the pathway to a mythological fountain of youth, but an inversion of that thought – of removing, as opposed to taking more on; of separating, in contradistinction to enduring the pain; and of expiating, in contrast to accepting.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Overload

The comparative life is an illusion of sorts; Plato’s theme throughout is established every day, as appearances hide the reality beneath, and the allegory of the Cave – where shadows constitute the seeming truth and the truth appears as hidden seeming – is merely an archaic anachronism that has been vanquished, if merely because no one gives much weight to dead philosophers and nobody has the time for reflection upon questions that cannot provide answers instantaneously, as Google and High Speed Internet have allowed us to become accustomed.

Looking about on any street corner, or walking among the populace at large, one would believe that everyone around is able to handle the daily stresses of modernity, and that overload – whether of information, activities, responsibilities, financial, ethical, family, commitments, work issues, health concerns, etc. – are all performed, accomplished, completed and fulfilled with but a yawn.  Somehow, we all know it not to be the case.

Statistically, a great number of us suffer from anxiety, depression, intolerance to any level of stresses, with physical manifestations and somatic consequences impacting; and how many among the seemingly “normal” crowd require daily intakes of pharmacological assistance by ingestion with serious side effects to boot, but like the three towers which – when viewed from a certain perspective of alignment, appears as a singular entity – presents one sense-impression and then another when movement of the perceiver alters the vantage point, we persist upon a given viewpoint despite knowledge to the contrary.

Sensory overload is a daily problem, a persistent concern and a philosophical conundrum, precisely because we have given up the opportunity for reflection, repose and reconciliation with life’s major questions.  No, philosophy was never meant for the masses – the Socratic dialectic made that clear; but the questions posed were meant to always and perennially be asked, such that each generation would attempt to make heads or tails of life’s serious concerns.

Instead, we have been told that there are no such questions to be answered; that mythology died at about the same time Socrates took his mandated hemlock, and all information is good, available and open to the public through Google, and we can all be happy with the lot of life given to us.  Yet, the overload we experience on a daily basis, somehow doesn’t quite fit that paradigm.

For Federal employees and U.S. Postal workers who feel the burden of overload – of having to “deal” with workplace harassment; of contending with the debilitating medical conditions; of deteriorating health and the impact upon one’s ability and capacity to continue in the chosen job in the Federal or Postal sector – it may be time to consider filing 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, if the Federal or Postal employee is no longer able to perform one or more of the essential elements of one’s Federal or Postal job, you may be eligible for Federal Disability Retirement benefits.

It is a long and arduous bureaucratic process that can take many stages in order to obtain, but the alternative may be of that appearance which defies the evidence of reality – like the Platonic Forms that represent the hidden truth behind the appearance of things presented – for, to remain without doing anything is to either continue to deteriorate in progressive debilitation of health, or to try and withstand the overload of life’s misgivings in a job which you can no longer do, or barely do, until the day comes when increasing pressure from the Federal agency or the Postal Service ends in a termination letter; and, that, too would be an overload beyond the ability to handle.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Employment: Life’s enjoyment

Are we ever taught that?  If the answer is in the negative, then from whence did we learn, attain or otherwise receive the tools to engage in the purity of sensation such that we could embrace it?  Did we become such through osmosis; from imprints; from learned behavior encompassing a lifetime of observations reinforced by wisdom’s refrain upon the blank chalkboard of our consciousness?  How does one “enjoy” life, anymore than learning to ride a bicycle, drive a car or care for a cute puppy (the last in the list, of course, need not be learned, but only be taken in by the natural affinity one has upon seeing the eyes of warmth, intelligence and fierce loyalty displayed, and is an exception and one of life’s conundrums to be accepted without questioning)?

There are many who walk about, who have absolutely no clue as to how one can, should or would have any enjoyment at all; and thus the total immersion in one’s work, or projects begun and always left unfinished – for, to complete them would mean that something ended, and that would force one into a reflection about the meaning, value and relevance of one’s activities, would it not?

One often hears the familiar refrain:  “I don’t know how to enjoy life; to me, unless I am busy with work, chores, updating my Facebook page, texting friends or jogging, I can’t be happy.”  Productivity is the measure of success; time set aside for vacations – despite still doing email, texting, messaging or other forms of “connectivity” as advertised to be the horror of all horrors if loss of it were to ever occur – is a concept that questions the very meaning of life’s enjoyment.  For, if one pauses for a moment to reflect:  Is the treadmill one is on merely for purposes of getting off for a moment, then to get right back on in order to find, again, a time to get off for another period of repose?

If so, how is that any different from Camus’ essay on the absurdity of life’s perspective as seen through the eyes of a French Existentialist, and specifically, of the Myth of Sisyphus and the condemnation by the gods to roll the boulder up the hill, only to watch it tumble down, then to engage in the eternal monotony of pushing it back up, only to observe its descent?

Life’s enjoyment, and the promise for tomorrow, was always meant to be more than that – of a daily sense of joy, a widespread sensation of contentment, and an ease of burden when once we were innocent children playing with but a ready laughter to give.  It is the truth that haunts, and especially the proverbial quip about the final straw that breaks the camel’s back.  With the persistent onslaught of stimuli unable to be resisted, we allow for the daily bombardment to deplete the little energy we have in reserve.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition not only intervenes in the ability and capacity to perform the essential elements of the Federal or Postal job, but further, depletes, diminishes and – ultimately — destroys even the potentiality to enjoy life and all of its complex presentations, the option to file for Federal Disability Retirement benefits must be considered.

Yes, it is a long and arduous bureaucratic process.  No, going through the process will not enhance, for the short term, life’s enjoyment.  But in the end, necessary changes are called for – nay, compelled by – medical conditions that interrupt life’s enjoyment, and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is to enhance that potential for the future enjoyment of life’s joys, while perhaps foregoing the short-term stubble of inconvenient interludes of angst-driven necessities.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Employees: Means to an end

There is a difference, with a real distinction, between utilizing a process as a means to an end, as opposed to using people for the same purpose.  Such a concept should be a “given” – that logical posit which is unquestionably true, without the likelihood of being controverted, and generally accepted as a foundational principle in a caring society and community.  Yet, modernity has contravened such a belief, and truth and falsity have become relative concepts on the pendulum of linguistic elasticity where the spectrum of facts, beliefs and opinions have become an amalgamation of conflated confusions.

Have we lost the capacity to recognize and identify distinctions that are substantively different because of their self-evident meaning and relevance?  Do we no longer teach logic – whether of the fundamental Aristotelian syllogism, or the greater complexity by extension as delineated in Russell’s three-volume magnum opus, Principia Mathematica – such that we can no longer argue for even the basics when confronted by once-accepted paradigms that Kantian categorical imperatives allegedly put to rest forever and a day?

Yet, that final proverbial “day” has now passed, purportedly, and such statements have become mere fodder for dismissive philosophical trash-heaps characterized by “Mereology” and other third-rate, Oprah-like condescension of forgeries masking as genuine belief systems.

Sartre and Camus presented their cases; the former, through a meandering philosophical treatise some would characterize as “Heidegger-Lite” (the comparison can be made superficially on the titles alone – of “Being and Time” as opposed to “Being and Nothingness”) and where his plays allowed for greater coherence than any of his “serious” attempts, while the latter conveyed the angst of human repugnance to becoming “objectified” through novels depicting alienation and the dilemma of human value in the very activity of defiance and rebellion.

Man, we are told, should always be treated as an end in and of himself, and never as a means.  Yet, in this mechanized, electronic-ized, technologized society, where the Smartphone is King and the tactile engagement with one another is merely an afterthought, we have to recognize that such inane beliefs are now mere archaic formulations of former times, previous generations and outdated constructs no longer applicable.  The Angst of Existentialism has come full circle; that which we scoffed at because it originated from Continental Europe is no longer a Sisyphean mythology, but a reality that now consumes.

For Federal employees and U.S. Postal workers who feel the weight and burden of a medical condition, being treated as a means to an end becomes part of the process.

Past accolades of dedication and loyalty fail to leave a trail of concomitant interest and empathy of warmth; you find out quickly that others don’t give a hoot about distinguishing between “means” and “ends”; but in the end, it is precisely the means by which you end up treating a fellow human being, and the very filing of a Federal Disability Retirement application should in and of itself warrant treatment of being an “end”, and not a “means” – but such self-evident principles appear to no longer be the accepted normative value within a society that cries tears for the Oprah show, but not for the real human experiences of the person in your own office, sitting in front of you, a foot away, real, not imagined, not a picture on Facebook, but a person of real flesh and blood.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Employment: The immovable individual

Aristotle’s unmoved mover is an interesting conceptual posit:  it is based upon the cohesive compromise between the Pre-Socratics as paradigmatic examples encapsulated by Parmenides and Heraclitus – of the universe as seen in a singular “oneness” as opposed to embroiled in constant flux and change.

The unmoved mover consolidates into a synergistic compromise the pendulum between the two extremes:  Here is the apex of perfection representing unchangeableness, surrounded by the universe of flux and constant metamorphosis striving towards that paradigm of perfection; and so the world of alteration and the oneness of the infinite are balanced in a yin-yang of a complete whole.

Within this universe of the immovable and inconstancy reflects the types of individuals roaming the world – of the indecisive and hollow man without a moral compass, to the principled and uncompromising stalwart whom some would characterize as narrow-minded and radical in holding extremist views unshaken by cultural alterations and daily vicissitudes of undermined normative paradigms.

But history portends of change, and it is the mounds of human detritus that combine to reveal that flux is the foundation of successful adaptation for survival in Nature, as well as in human society – of business models that must follow the trends of cultural metamorphosis, to the embracing of a changing society and structures of sociological tremors throughout.  Yes, having principles to abide by is important; but Man is neither perfect like the Unmoved Mover, nor touching upon the residue of angels and gods who pride in the near-perfection of heavenly bodies.

The immovable individual – while principled and relied upon for foundational support – is often the one left behind because when life clashes with the ivory tower of conceptual constructs, not moving is tantamount to seppuku – the traditional honor-killing by disembowelment by the samurai.

That is often the problem with life, living and beliefs that one clings to; and for the Federal employee and U.S. Postal worker who has a view that one’s Federal or Postal career path must by necessity strive towards the Unmoved Mover, the problem is when a medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal positional duties.

Federal employees and U.S. Postal workers often will continue to work until it is detrimental to his or her own self-interest – i.e., to the cost of one’s health.

Yes, having a paradigm of principled beliefs is important, and yes, living by a moral compass can maintain the important foundation for integrity, loyalty, uprightness and reflecting all that is good in human nature.  But when reality clashes with principle – as when one’s view of working for “the mission of the agency” or for the good of the U.S. Postal Service begins to contradict one’s medical condition, then it is time to consider preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal employee or U.S. Postal worker is under FERS, CSRS or CSRS Offset, and not worry too much about being the immovable individual whose paradigm as reflected in how Aristotle’s Unmoved Mover may – while being a stalwart of perfection – be left behind in the dustbin of history’s irrelevant collection of ideas showing the vaunted state of angels no longer believed in, and gods removed because of the errors of myths and fantasies once created to tell the narrative of human folly.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement for Federal Employees: Recognizing Problems

Why are some better at preemptively addressing recognizable foreshadowing?  Is it a genetic predisposition related to the capacity of surviving?  Like the instinctive responses of animals, is it an inherent trait that favors those who are more “fit” with such a characteristic, and thus to the disadvantage of those who do not possess it, where recognition and preemptive engagement allows for survival and thus the genetic pool favoring by dominance of avoiding the mortality trap?  Have we replaced such instinctive abilities by relegating most problems to linguistic identification and capacity to solve?

For, in the human world where language prevails and electronic communication is now the preeminent engagement of consciousness, the “problems” to recognize are no longer the danger of an approaching predator nor the oncoming storm out in the middle of the ocean (although, a burning house or a hurricane imminent if you live on the coast are still real dangers), but for the most part, language games that need modification, curtailment or adjustment in order to correct the inconvenience of social constructs that have gone amok or astray.

Yes, the furnace may break down, the water heater may have sprung a leak, or the roof shingles may need replacing; but even those, the resolution is rarely one that is initiated by us; rather, it is to utilize the mode of communication and either by phone, email or text messaging, we make an appointment for someone else to fix the problem.  Recognition of the concern was still contained within the world of language, and the physical work attended to is relegated and delegated to some strange entity in another universe.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal employee or U.S. Postal Worker to take the next step by preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal employee or U.S. Postal worker is under FERS, CSRS or CSRS Offset – the process begins with a “real” problem:  the medical condition itself, which will not go away no matter the treatment modalities or the constant attempt to work one’s way through the chronic and progressively deteriorating situation.

Then, from the reality of the problem itself, the jump to recognizing the further concern must inevitably manifest itself – that of the incompatibility and incommensurate nature of the medical condition and being able to do all of the essential elements of one’s positional duties.

Thus, recognizing the problem is the first step in resolving the issues; however, resolution may sometimes need some expertise and advice beyond what the Federal or Postal employee can foresee in the foreshadowing of approaching dark clouds.  For, not all problems are equal, and certainly not all solutions, and while recognizing problems may resolve some of the concerns, the greater issue is whether the Federal or Postal employee will have all of the information available “out there” in the netherworld of an administrative and bureaucratic morass as that of the U.S. Office of Personnel Management, such that the problems one cannot recognize may be the one that defeats the solution never known.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Answering Questions

How do we come to learn how to do it?  Certainly, we come across certain eccentric individuals who defy every conventional norm, and somehow manage to appear as if they have done what otherwise we recognize as not having been completed.

Have you ever come across someone who just isn’t “quite right” – such that, when you ask a question, the tangents that flood forth and the meandering thought processes make it an arbitrary conclusion as to whether it was the specific question asked that prompted the incommensurate response, or just the mere fact of a tonal posit of a question-like query that compelled a verbal reaction, even if it has nothing to do with the substance of the question itself?

How do children learn how to answer questions?  Is it natural; is there a systematized process of acceptability; is it taught in any course with a heading like, “Elementary Basics 101: How to answer a question”; and do we presume that acceptable and normative constraints are just learned effortlessly?  Certainly, the classical educational approach of dialectical methodologies – of a question posited; raised hands, chosen orders and an answer provided; then the reinforced positive feedback by the teacher in either affirming or rejecting the response – is an approach that somewhat answers the mystery.

But what of that “weird” kid?  The one where the teacher asks:  “Is the earth round or flat?”  The kid answers:  “That is an oversimplification, as the geometrical constructs require a perspective that betrays ignorance of quantum physics, where flatness is a relative concept to roundness, and vice versa.”  Now, one may smile and wonder whether, perhaps such a child prodigy reveals an intelligence quotient beyond his age or class assignment, but all the rest of the kids would just roll their eyes about as the class bullies await for recess hour in order to beat that kid to a pulp.

But was the question answered, and to that end, satisfactorily?  Or, what if another kid, perhaps half-daydreaming, suddenly blurts, “It’s blue!  It’s blue!”  Did that kid answer it any less adequately than the first?  How do we learn to answer questions?

What if the questions are essentially legalese and incomprehensible, or of a “tricky” nature and makes one pause before moving forward?  Do questions posed, for instance, by law enforcement officials evoke greater caution (as in, “To the best of my recollection…”), and if so, why?  Is it because the stakes may be higher and the suspicion of the double entendre is always there?  Which brings us to the problem of Federal Disability Retirement applications, and specifically SF 3112A – Applicant’s Statement of Disability.

The questions posed on the Standard Form 3112A seem simple enough; but simplicity does not necessarily mean straightforward, and indeed, when a Federal or Postal employee is completing SF 3112A, it is best to go back to fundamentals and ask yourself, How did I learn to answer questions, and are these questions the type that may need additional help, because – though they may seem simple enough and not quite in legalese – there is some trickiness in the very simplicity of the query.

And it is the rule to remember, that the simplest questions require the greatest pause, where suspicion will warrant a more extensive pondering of reflective repose.

Sincerely,

Robert R. McGill, Esquire