however, you must keep in mind that you are operating in a highly-competitive environment. when fire and water damage strikes, a fast response is critical. one suggested further instruction about reasonable doubt. like joe in joe’s story, one truth came out. i know most hate being in front of the camera. do you know of someone who has cholesterol? you must have had an extra helping of stupid with your wheaties this morning. remember to erase the pencil marks afterwards. this can be a major concern whether you are the husband or the wife. another change firmly in the win column! 