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LIVING ALONE

AUGUST 2022

NOTE: This is about the 4th version of trying to create a common format that can be used to standardize my outputs for a book. I never intend to finish writing chapters that will someday be published. This will require that someone else will  publish my work when I either get too old to write or reach the end of my life.

August 31, 1930 was the date of the beginning of my life and I was certain that January 23, 2021 was a date that ended the perceived happiness cycle for my life. After a year of living alone I decided that I could still capture the attention of family and others with a God given ability to communicate in writing. I decided earlier this summer that I would try to plan the rest of this month to see how accurate the process can be. I chose this summer when the largest variable had to be the current weather cycle, hot, hotter and beyond hot.

July 2022 has been the first time since I played my first game of golf, where the weather has been a reason to decide when to avoid playing. I played that first game in 1938. The thing I remembered most was the hundreds of Tarantulas that joined my uncle James Miller and I when he took me to play at the Mineral Wells Texas Country Club. 

The July and August 2022 heat has so far limited my golf play. The current weather forecast will limit my scheduled and planned play for the rest of August. I have invited a group to play at 8:00 am on August 31st, my 92nd birthday. Then with their wife, husband, friend, ? They are all invited to join me for my birthday lunch at 11:00 am nearby. Another small family group will join me for dinner that evening. 

My primary reason for the birthday events will be to “Remember Norma”. She would have been 84  on August 30th, the day before mine. I will always remember convincing our four children, Laurie, David, Lisa and Leah that Norma was one day older than me until Laurie started to school. 

Another event planned for the month will be on August 24th in Lufkin to celebrate Freddie Keel’s 82nd birthday. Dr. Reuffer is driving us and Freddie has invited John Booker to join us for lunch. John celebrated his 101th birthday earlier this year. This foursome played more than a few rounds of golf at Rayburn Country Club until Freddie got too old. If we have time Dr.. Reuffer and I will play a round early at Pendleton on the 24th before the drive to Lufkin and lunch.

Happy Birthday to Tadpole, Norma and myse;f. 

Clyde Brewer    8-8-2022

LIVING ALONE                             June 23, 2022

Part 4

I have been gathering another chapter of what will be a worthwhile summary for old people, like me, to use as they take their journey through later life. It amazes me to realize that I can still remember things that take me back to so many events that happened 80 to 85 years ago.

If I had known I would live to be 92 next month I would have used a tape recorder to help me remember more. One thing that shakes me up is how fast time races by, during times you accomplish less, sleep more and have no one to converse with. Another factor is how fast the abnormal events surrounding the years Norma suffered with dementia, actually stopped with her passing. What reminded me to make sure I included timing changes was realizing Norma died 18 months ago today.

Every time I have awakened from my night’s sleep I try to make sure to hurry to stop the alarm, calm the dog down or hurry to the phone to stop the ringing. All of these reactions remain until I realize Norma is beyond awakening after 62 years. I still calm the dog knowing she can’t talk but we have learned how to communicate by other means.

Even though you likely had pets as you made the trip through life, not everyone had the same experiences. Let me use my family to illustrate some aging timetable differences. My brother, Jim, and I faced significant challenges and differences during our early and late trips through life. During 1938 the State of Texas voted to add another year to State required education. I will try to illustrate some of the impacts that suddenly disrupted the lives of every student and parents in the State. I can only imagine how it disrupted the life of every Teacher, Administrator and their families. To touch on a few facts, please walk through the following facts. 

  1. I started school in 1936 the day after my sixth birthday. My Brother started his 12 year  public education when he was nearly seven in 1939
  1. Every student who was in school in 1938 was evaluated and if the student was not having any problems with knowledge or maturity they were double promoted. In my case I was elevated from the third grade in 1938 to the fifth grade in 1939. I still only spent eleven years in public school and my brother spent twelve.
  2. I graduated in May 1947 when I was still 16. My brother started school in 1939 and graduated in 1952 he was nearing 19. 

1939 was a year of chaos but the State of Texas has faced and improved the educational issues. 

Texas has fought and will end the current political events designed by liberal idiots to destroy the State by politically driven and manipulated events. Currently our President and the Progressive money has wrecked the petroleum industry with legislation and Executive orders again. They will never enforce the immigration laws to stop the madness again. If we still have any Historians you can follow the actions that increase the prices of petroleum products every time a Socialist leaning individual wins an election, like Biden, Sanders, etc.

At this time I am reviewing WW11 for significant issues leading up to my “Living Alone issues.

Clyde Brewer       July 23, 2022 

LIVING ALONE

Part 3, THE INVASION.

After living alone for nearly seventeen months, the entire family Norma and I produced, gathered for a week’s vacation together. One thing was evident, for the next seven days the dog and I would not be alone. Our family had spent 21 years together for a week in Surfside Texas from 1968 until 2018. From 1999 until 2018 we spent 19 continuous years together. Fill in every year as we vacationed every year after Norma and I married 62 years ago. 

My memory of the first vacation was in June of 1963 and it was a trip no one would ever forget. Our first child, Laurie was 2 years on June twenty fifth. Our 2nd anniversary was on June twenty third. Our son David was born on June fourth and was not quite 3 weeks old. My Mother was with us and away we went at 9:30 PM to visit my brother, Jimmy and his family in the Seattle Washington area. Our first stop was in Green River Utah at 6:00 PM the next day after driving over 1100 miles. The next day took us 750 miles to Baker Oregon. On day three we arrived in Seattle shortly after noon, and another 250 mile drive. Only as a benchmark; we were gone 23 days; visited 13 states; Vancouver Canada; drove over 6300 miles and paid for the entire trip with $650 I won the night we stayed in Las Vegas. Whew Our #3, Lisa was born 6-30-64 and #4 Leah was born on 10-30-65. 

Now for a description of our recent vacation trip to Surfside Texas. Laurie and Steve drove to Hemphill on Thursday June third to pick us up. We departed the next day for an experience that was a long way from being alone. With one more dependent, Sabrina, our 15 years old Poodle, we were on the way. After some 3.5 hours we arrived at our beach home for a week. 

The home we rented was not new to the family   as we had stayed there four or five times before this 2022 event. Next we faced unloading the equivalent of two moving vans into the home that is about twenty feet above ground. It has stairs on both ends and a ramp on one end to use wagons and dollies to move in. This home has 14 bedrooms, 10.5 baths, a media room, a huge living, dining, kitchen area and decks on both ends for some fresh air. The entire home is on one large level. 

Over the next two days the remainder of the Brewer Bunch arrived, Lisa, her husband Hank and daughter Emma: Leah Stone with daughter Alyssa, Son, Nick and son-in-law Travis; David, his wife Karina, son Blake, likely his intended, Kelsey, daughter Megan, husband Austin Gisclair, sons Miles 1, Henry 3; daughter McKensie, husband Jesse Gautreaux, granddaughter Isabel 3; Laurie’s son Landon, wife Airen, son Sam 6 and our firecracker granddaughter Iley 4. We also were blessed to have a family friend who we adopted many years ago, Thomas Howard, and his partnerJeremy with us all week. They demonstrated a drone that took pictures and was unbelievable in actions it could perform. 

We enjoyed an array of food all week that was hard to describe. Waffles, breakfast rolls, eggs biscuits, sausage, gravy, biscuits, Mexican food, tamales, chicken, pork, salads. Desserts beyond description, Daiquiri’s. For all of the years we have vacationed together menus have been exciting, delicious and challenged both the cooks and the eaters. 

As a family, watching the new generations appear has been exciting and a challenge for us all. As I am soon to be ninety two I always wonder why God has allowed me to watch my family grow and grow into five generations. 

With all of the things I have experienced in my lifetime the love of my life was chosen by God to come to Heaven too early. I will never question that decision and I am sure my future was decided a long time ago. I feel certain my wife Norma and our son-in-law Tony are continuing their tasks as Angels today in heaven.      

Clyde Brewer     July 4, 2022

LIVING ALONE

Living Alone…. Part 2

Wills…Some 30+ years ago my stockbroker told me I needed wills for Norma and myself. The reason was to protect our investments from outrageous income taxes on savings and property we were amassing for our retirement.

We bought a fishing cabin on Toledo Bend Lake in July 1983. In 1958 we were offered a chance to buy the property the cabin was constructed on and we began the creation of our retirement living complex. At this point I made a decision to put both the land and construction in Norma’s name as she was eight years younger than I was and would logically be the last survivor.

When she died it was several months before I realized it was time to make the changes to put the property into my name. Next, I discovered that my decision was not the smartest thing I ever accomplished. The County had sent me the tax bill for 30+ years and I had paid the taxes. I was advised to find a title company who was required to trace all transactions for those years before they could issue a new title for the homestead.

At that point I went to a local Title company to get the process started. While waiting to meet with someone, a lady asked me if Norma had a will and when I responded “yes” another question was asked. “Has the will been through Probate?” I believe my next response was “what is Probate?” At this point I was given information on Probate of wills.

My next appointment at a later date was a meeting with an attorney. During this meeting I learned more about Law than I had learned in my lifetime. I was advised that our wills were written during a time that taxes upon death were created to minimize taxes on anything willed. I was advised that the wills were primarily designed to tax everything and if you had a good will it was a tax saving advantage. Norma’s will was sent to our four children with questions for them to answer. 

To help others understand is the reason for each chapter of what looks like it will be a book, if I live long enough. This chapter is designed to help explain wills and Probate by a non-lawyer to other non-lawyers. As I have  grandchildren from a previous marriage who are attorneys I feel certain they will correct me if I make any mistakes in this chapter? 

Last week I was notified to join my Attorney to attend the Probate of Norma’s will. My Attorney, Sabine County Judge, the Honorable Judge Daryl Melton and two ladies that were working with them asked me a series of questions that were totally understood. At the end of each question I was asked to sign each document and I was given copies. The meeting was very professional and each question was fully understandable. 

After the meeting the attorney asked me to make arrangements with his secretary to meet and complete the changes to the property titles and my Will. He will go over any changes we made or need to make to my will to make it compatible with changes to laws made over the last 30+ years. 

Another legal issue that needs to be involved and completed involves a Trust I had another attorney create a few years ago. At this point I plan to leave our homestead to my seven youngest grandchildren. This will make sure the Trust and my revised Will remain compatible when I die and my designated Power of Attorney is required to have my Will probated. I also intend to spend my last breath living in Sabine County, Texas where all remaining legal business will be conducted.  

Hopefully this chapter will help other senior citizens with wills and Probate to make sure they understand the laws before they die. My next meeting is scheduled for June 13, 2022. I will include any future actions concerning Wills or Trusts should this meeting require any other legal dialog that can help others understand.   Clyde Brewer   5-26

LIVING ALONE

LIVING ALONE

On Saturday January 23, 2021 Norma, my loving wife for sixty years died after seven years suffering from Dementia. Unfortunately this was the beginning of the end of true happiness for my family. All of our children were grown and we had resided over 200 miles away from all in our families for the last thirty years. For 25 of my last 30 years were the happiest of my 90 years on God’s Earth. 

Norma was a beautiful person both inside and out. For me she was the perfect mate and with her love and support she helped me achieve success beyond my wildest dreams. We had four children in four years and four months and coupled with my work life we molded them into outstanding Americans. Three of our seven grandchildren are married and have so far produced five great grandchildren.

Norma was my second wife and my three older children coupled with the others have now grown to sixty with the recent birth of another great Grandson this year. My oldest will be seventy three this month. From this group there are six doctors, four lawyers, a CPA, a business owner , aerospace manager, a petroleum engineer and six teachers. I love them all and I have been retired for nearly thirty years and this is my home. 

I thought about possibly traveling some more but I have flown over four million miles in my lifetime. I have visited thirty two countries and worked in twenty three. I have worked or visited forty nine States with Alaska being the only one I have missed. With my daughter, Leah, we have discussed a trip to Alaska along with my friends, John and Patsy Sommers who live in Baton Rouge. The trip sounds like fun but with the Neuropathy in my feet and ankles and the long flights and connections sound like suffering.

I am sure that a cruise would be the perfect vacation but my driving is limited to short trips here in East Texas. With family living in Houston, Dallas, Ft. Worth, Arlington, Euless, Austin, San Antonio they help me find rides without torture. Another plus is having the Port lm Galveston. Except for one GrandDaughter, who lives in Los Angeles, the rest of the family live in one of the Texas locations listed. 

I live in a Lake front Home I designed with six sleeping sites that will accommodate twenty one adults. I have three baths, four hot water heaters, three central AC’s, three window type ACs. All of the AC’s have heat. I have a small fishing pier and over 3000 sq feet of wooden decks.  I have covered parking for four full size vehicles. Here in deep East Texas we have 60” of rain, three months of possible winter, two months of spring, four months of “HOT” and three months of rainy weather.

So far I try to play par three golf on a local course with about a dozen fabulous friends three times a week. Being the oldest, my friends take care of me when I get fatigued most of the time. 

Norma missed playing Bingo after she could no longer remember the numbers. Until a week before she died we had dinner at Hemphill BBQ every Thursday evening. Billy, Bobbie, Tiffany, Tim, Ann, Cotton, Chance , Dr. Peter Forrest, Norma and myself are always welcomed with a prayer by Larry Weaver. Before she died I had published over 1300 articles on WordPress and this article was posted since then.

I have tried many times to write more but I just can’t get motivated. For many years I walked two miles five days a week. Now I can’t walk 100 yards without rest. One promise I did keep was to care for Norma as long as I was capable. With help from family and Hospice I was able to care for her in our home until she died. Now I depend on  Tim, Tiffany, Chance and Chelsy to keep me at home instead of a nursing home.

I wanted to close with another thank you for Norma’s dog, Sobrina. My baby daughter Leah assisted me about five years ago in locating who we call “Brina” in an animal shelter. She is a miniature Poodle that had been abused. She and Norma became inseparable and now she is my shadow as we grow older. We had family pets most of my life but none who had captured my heart like she has. She is blind in one eye, overweight and glued to me to care for her. I am now nearly blind in one eye, overweight and I must have care to help me. Brina is my shadow but she fails short in a few more areas. She can’t cook, drive, clean the house or talk. If she could talk I am sure I would be happier.

Living alone results in a life of loneliness that happens when any spouse passes on. I never read about senior life alone but I suppose I could write a book to help others cope. As I think about it this could be adjusted to be chapter one should I get motivated to keep adding chapters?     

My dreams created my Bucket List and I have completed every promise but one. “ Live to be 105 years old and be shot by a jealous husband”.  Now, that would be scary.

Would anyone possibly desire to read a chapter Two? 

Clyde Brewer   May 2022

ONE OF THE SADDEST DAYS OF MY LIFE

We will gather this morning to review and honor the life of my youngest Son-in Law, “Tony” Stone. “Tony” who asked for my daughter’s hand and they were married on February 2, 1991.

As I am now 91 I can truthfully say “Tony” and Leah had a charmed life and created two faithful and loving children. Alyssa and “Nick” arrived after Norma I retired and our time with them was delightful.

We lost my loving wife, Norma” eleven months ago tomorrow. I will never forget the words that Leah uttered to me when we first talked, “Dad, I just wanted to hear your voice, “Tony” is now with Mom.”

Tears will flow today and our families will honor our child, man, father and leader, “Tony Stone”.

Clyde Brewer  

MAN MADE CRISES WILL DESTROY CHRISTMAS

My friend DR Peter Forrest shared these real reasons why the Los Angeles offshore area is set to make Christmas miserable for every child in America. This is a man made tragedy for reasons that will make you sick. The neutered media has failed miserably to even alert the people and I hope you will acknowledge with praise for this reporting of the facts. You will find the author’s name at the end of this powerful message. Please provide feedback by commenting on this article or directly with the author or both. C Brewer

The reasons why cargo ships are still offshore in CA

Would you like to know why there are many dozens of cargo ships full of goods parked off the California coast waiting to be unloaded?

Don’t understand why there are shortages of EVERYTHING in America right now?

Want to know what’s causing the prices of consumer goods to skyrocket recently?

Here’s the truth the news isn’t telling you….

“The NEWS says the California port situation is caused by a driver shortage.

Not so fast: It is in part caused by a California Truck Ban which says all trucks must be 2011 or newer and a law called AB 5 which prohibits Owner Operators. Traditionally the ports have been served by Owner Operators (non union). California has now banned Owner Operators.

Long term, truckers in California are not investing in new trucks because California has a law that makes them illegal in 2035. The requirement is to purchase electric trucks which do not exist.

And in the words of Paul Harvey, “Now you know the rest of the story”

BUSINESS CARB to begin blocking certain trucks’ DMV registrations in 2020. Carriers domiciled in California with trucks older than 2011 model, or using engines manufactured before 2010, will need to meet the Board’s new Truck and Bus Regulation beginning in 2020 or their vehicles will be blocked from registration with the state’s DMV, the state has said.

The new “health-based requirements” will need to be met before a driver is allowed to register his or her truck through the Department of Motor Vehicles, CARB says. A new enforcement tool used by the DMV beginning in 2020 will automatically block 2010 and older trucks from registration.

These ships full of goods are not being brought into port and unloaded because there are no trucks to take the goods away from the port. There are no trucks to take the goods away from the port because California law made all the trucks that take the goods from the port illegal. California’s extreme environmental laws are creating nationwide shortages of consumer goods.

When you are voting in the next couple of weeks, remember all these hardships that Americans are now facing. These hardships are being directly created by Democratic leadership. Your suffering is their agenda.

“In God We Trust”

Nazario A. “Tito” Gonzales

17170 Pine Avenue

Los Gatos, CA 95032

I am hopeful to be able to use more of MR. Gonzales writings in the future. C Brewer

MORE INSURANCE & HEALTHCARE

CHAPTER TWO

Planning for old age or anything else when you are sixty five or older is no different than visiting a casino in Louisiana, Oklahoma or New Mexico. I feel sure the Baptists will always make sure Texans have to travel out of State to improve life in every abuting State but Arkansas. Arkansas will join the other states long before Texas is a State. If the movement currently where to see Texas secede from the United States we will see casinos erupt like live volcanoes from Beaumont to Texarkana to Amarillo to ElPaso to Brownsville and back to Beaumont in 30 days.

First let me discuss life Insurance which is the worst investment I ever made. I whetted your appetite with one illustration in Chapter One. My first life insurance was provided by the U. S. Navy. During my active duty tour the very last thing I had to worry about was life insurance. Marriage at 18, fatherhood at 19, 21 and 23, no car until I was 23. At 21 I was released back to inactive duty in 1951. From that day forward the only life insurance I ever had was whatever was provided by my employer until I left Halliburton in 1983 and you already have that fiasco in chapter one. 

Today I will admit my lack of knowledge about term life insurance which is designed to protect younger people could have ruined me. Obviously if I knew how long I would live I could have saved more for old age.

The other nearly lifetime insurance you have to have unless you were born with a silver spoon is coverage for your automobiles and homes. If you had to finance either you should initially find an honest “INDEPENDENT insurance company.

I bought my first house when I was twenty two a year before I bought my first car. Texas had a program that allowed veterans to buy a house that costs no more than $10,000 at 4% and insurance was included. $50 a month for 40 years.  

At 23 I bought my first car, a 1940 Chevy for $175. I do not remember how much the insurance was but I had to get a loan for $100 that required a listing of every appliance we had as collateral and the car dealer financed the other $75. From that moment I had insurance with “State Farm” until I was 65 when an independent Insurance agent asked me why I paid for my coverage every six months. He advised me that when you could pay for a year in advance you should get a 15% discount. I have only bought insurance from an independent agent these last 31 years.

America’s next insurance decision starts at age 65 when you reach Medicare if it still exists after Biden and the Demoncrats rob the future from my sixty heirs (At this point in time). When I was 65 there were different rules for Medicare. We had a basic premium deducted from your Social Security check which is $184 and you bought a supplement that covered 20% of your basic healthcare charges. At this time my premiums are $325 a month   Along came Bush11, a Progressive in hiding and a new plan to cover all or part of your drug costs was born. My current premiums are nearly $100 a month. Next comes the dental costs. I pay $38 a month for insurance that pays less than 50% of my dental costs. 

Unless you do not have a radio or a TV you are bombarded with commercials, the worst person to explain this possible disaster is Joe Namith. It is called Medicare Advantage”. If  you buy this without understanding the Hype provided by the “Huckster” you may discover you screwed yourself. The limitations can generate cost depending if your local Doctors or hospital require you to pay in cash if you choose this option. I happen to live in Sabine County Texas where the “advantage” plans are not accepted. The TV Hucksters fail to warn you and the insurance companies must love the new options as some sell both types of coverage. I contacted Jerry Howell, Sabine County Hospital administrator, who had their Insurance leader send me a package that exposes the negative aspects of the new Advantage Plans. 

Unbelievably the hospital has an ad in today’s weekly Sabine Reporter that will relieve me from trying to explain the details to everyone. If you have an interest and you should, “open the camera app on your mobile device and point to the image on the right or go to www.chosingmedicare.org to watch videos on your healthcare choices after age 65”. Share this with every friend and family who is now or soon to be 65 sixty five.     

Clyde Brewer  November 2021

AN OLD HISTORICAL EVENT

BEWARE OF WHAT HAS ALREADY HAPPENED

These quotes should still remind all Americans to wake up even though they happened over sixty years ago. This sobering event was of little concern then. Every American alive today should be aware as we have open borders and Russia is still an enemy of the free world. A

Russia’s Khrushchev delivered the following message to the United Nations on September 29 1959. His predictions were directed for the United States of America. His predictions for America were an emotional event. TV coverage of him banging his shoe on the podium.  At that time, the word ‘communism’ was feared throughout our nation. Now here is some food for thought if it does not make us choke!  Do you remember?

THIS WAS HIS ENTIRE QUOTE: 

“Your children’s children will live under communism, You Americans are so gullible.  No, you won’t accept communism outright; but we will keep feeding you small doses of socialism until you will finally wake up and find you already have Communism. 

 We will not have to fight  you; We will weaken your economy, until you will fall like overripe fruit into our hands.”  “Democracy will cease to exist when you take away from those who are willing to work and give to those who would not.”  

Remember, socialism leads to Communism. So, how do you create a Socialistic State?  There are 8 levels of control; read the following recipe.   

1) Healthcare – Control healthcare and you control the people. 

2) Poverty – Increase the poverty level as high as possible, poor people are

easier to control and will not fight back if you are providing everything for them. 

3) Debt – Increase the debt to an unsustainable level. That way you are able to increase taxes, and this will produce more poverty.

4) Gun Control – Remove the ability to defend themselves from the Government That way you are able to create a police state.   

5) Welfare – Take control of every aspect (food, housing, income) of their lives because that will make them fully dependent on the government. 

6) Education – Take control of what people read and listen to and take control of what children learn in school. 

7) Religion – Remove the belief in God from the Government and school because the people need to believe in ONLY the government knowing what is best for the people. 

8) Class Warfare – Divide the people into the wealthy and the poor. Eliminate the middle class. This will cause more discontent and it will be easier to tax the wealthy with the support of the poor 

Wake up America. 

Unless you have mental issues, this is exactly the current agenda for the Democratic  party? 

I have used some material from an unknown source to create this article. I pray enough Americans will have access to stop this race to destroy our freedoms. 

PLANNING FOR OLD AGE

PLANNING FOR OLD AGE.

Chapter one, Introduction

My children have urged me to write a book to help them prepare for old age. Some of them might be used as examples as my seven children range in age from fifty five to to 72. I reached ninety one (91) on August 31, 2021. Rather than try to remember all that happened to me year by year I will share the events in my life broken down by type of events. Sports, gardening, finance, travel, planning, healthcare, insurance, wills, trusts, children, grandchildren, property and possibly more if I live long enough to complete the book. 

You will be able to learn from this book chapter by chapter as I intend to publish each on my blog as I finish the chapters. The address is https://cb75948.wordpress.com

You can sign up to receive anything I write and publish on the above site. Some other subjects may be written as I attempt to help old men plan and hopefully enjoy groprepared for this phase, you may never reach many of the following chapters. They keep extending the beginning age to start Medicare as the average age for both men and women keep rising, factual or not. If I had planned better I would have had more income but I was convinced I would never live to be 70. Other planning mistakes I made will be included in each Chapter . Mistakes made early provide impacts that you wish you had known about when you were younger. I hope this Book will help my family as well aswing old. The reason I mention just old men as in some chapters like medical I do not know everything women face but I will try to include events my wife of 60 pulse years of marriage including the horrible disease of Dementia and Alzheimers that took her life 1-23-2021. There is a difference that you need to understand.

My next chapter after this Introduction will be the most important thing to prepare for is Healthcare. If you are not  yours if you follow my advice.

To whet your appetite I will reveal how insurance companies and the tricks they can spring on you, are the biggest legal theft that you can face when you get old. One trick they play is to sell the insurance policy or the entire company to another Insurance Company who then raises your premiums as much as 400 percent. This happened to me on a $30,000 life insurance policy that I had paid premiums for 17 years. I had paid over #10,000 in premiums I lost when I could not justify the new premiums.

Clyde Brewer October 2021.

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