Knowledgeable, professional, joy to talk with.
As for the name, Paul and Rancic share the same birth month (August) and astrological sign (leo). The Role of Information Sharing and Financial Sector Outreach., Insolvency Resolution and the Missing High-Yield Bond Markets., Rebuilding the Judiciary in Indonesia: The Special Courts Strategy., Do Property Rights Matter? I cannot say enough good things about my amazing agent Joe DeAngelis - his expertise , honesty, courtesy and utmost professionalism are all qualities that you dont necessarily find in an agent. I was so grateful for his help.
Joseph made a complicated process manageable for me. Joe understood my position completely and suggested and implemented a new plan more suitable for my finances and saved me thousands each year. A Summary Of A Robust First Half, A Puck Penthouse Hits The Market For $35 Million, Investors Snapped Up A Record Share Of Homes In The Spring Buying Season, What The Feds Rate Hike Means For The Housing Market. Joe Di Angelis was terrific he helped guide me through the medicare supplement maze he was very professional and knowageable, Thanks Joe Joe DiAngelis was very pleasant to work with and no matter how often I called he was patient and answer my questions.
Joe was an awesome help and made it easy with the decisions I had to make. Will certainly recommend him to all my friends and family. The whole process could not be any easier. Rancic describes the collection as really modern which is a truly unique spin for the category. He didnt try to upsell me either. I would highly recommend this company. I would recommend him to anyone, Joe explained clearly the options I had going into Medicare supplement insurance.
You see, when you go to a doctor Para 2015, la polio se haba erradicado casi por completo en todas partes excepto en Pakistn y Afganistn. He is very knowledgeable about the various plans, very patient and you know that he has nothing but his best interest for his clients.
I highly recommend him as he is knowledgeable and always available. Evidence from a Bankruptcy Reform in Colombia., Macroeconomic Implications of Size-Dependent Policies., An Economic Analysis of Corporate Directors Fiduciary Duties., The Levers of Legal Design: Institutional Determinants of the Quality of Law., How Business Is Done in the Developing World: Deals versus Rules., Law and Employment: Lessons from Latin America and the Caribbean., Judicial Training in ASEAN: A Comparative Overview of Systems and Programs., Misallocation and Manufacturing TFP in China and India., Are Judges Biased by Labor Market Conditions?, Declaration of Judicial Training Principles., Practice Makes Perfect: Judge Experience and Bankruptcy Outcomes., Building Quality Infrastructure in Africa. Joe is incredibly easy to talk to. Theyre just fabulous because you never have to worry about if youve left them on, explains Rancic. Partnering with HSN allows us to introduce our collection to customers through both their digital and broadcast channels which provides a safe space where customers can come together and stay connected through this challenging time," she says. Even before I had a line, those were the sorts of things I believed in making sure were quality. I think that we notice things about our homes that we didnt before. She also suggests styling them on a high shelf, which isn't something that you can easily do with regular candles. These towels are also a great way to give your bathroom a spa-like refresh. I have to take a very expensive drug, so choosing the right Social Security plan was a daunting task in navigating through the many plan choices available. Joe is very professional and knowledgeable.He will take you step by step through the Medicare process with no time constraints.I highly recommend Joe for all your S.S. and Medicare needs.Thanks again Joe. Well help you choose the Medicare supplemental insurance that suits your needs, not someone elses. TFG puts on a seminar each year with Joe to help answer questions regarding Medicare and the supplements. Evidence from a Property Law Enactment., Can Labor Regulation Hinder Economic Performance? I think it will continue on. He did a great job helping my 94 year old Father pick his plan last year and my Wife pick hers. Joe is very patient and answered all my questions.
Joseph was incredibly helpful and knowledgeable about medicare supplement options and helped me choose the plan that was best for me. Were able to Skype in and we premiered on Skype. He has taken care of both Denise and I. I thought I knew all about getting a good provider, but Joe sure steered us straight. The answer is really quite simple.
He is very knowledgeable, informative, and helpful. Thank You Joe.
Joe was prompt in responding to my call, informative and extremely helpful and pleasant to talk to. I started with HSN back in 2012 launching my clothing line, G by Giuliana, she tells me. And while Medicare is generally an excellent health insurance plan, there is no one option that is the best fit for every single person. You know how you get one hurricane lamp and you think what am I going to do with that? I had excellent - through and prompt service. I want to thank Joe DeAngelis for his expertise and patience with me selecting a medicare plan. He's knowledgeable, responsive, friendly, and he made the whole process of finding a plan for my parents so much easier. Sometimes with synthetic sheets, they come out of the dryer less wrinkled, but at the same time, they arent breathable.. Joe is very personable,knowledgeable and handles everything.
I am excited to now partner with interior designer, Lonni Paul, to venture into the home space with our new home collection.". He is extremely knowledgeable and professional. Joe DeAngelis gave me options to consider, called insurers on my behalf, and found the best rate for me. Find the latest eLibrary content related to COVID-19 (coronavirus) here. I would highly recommend this agency! His explanations are easy to understand and he takes the time to listen.
Dont feel bad if youve had a hard time with it.
He was very patient and thorough in answering our questions. I could not be happier. We have an amazing team [at HSN] who truly understands our brand and what we want to achieve; high-end chic design thats functional, livable, and attainable., The quality and aesthetics of the line surpass what the price point would have most people believe. Joe was a true blessing for me with the whole Medicare nightmare! I couldn't possibly be happier with his expertise. Joe provided excellent service. 2018 My Medicare Quotes. First, as we know Medicare Supplement Plan G will cover all Medicare Approved Expenses except for an Annual Part B Will my Doctor take my Medicare Supplement Plan This is a question we often get here at the office. He made difficult information easy to understand. Awesome job. Joe DeAngelis is the BEST! It was very important for Rancic that the sheets were 100 percent cotton and not made of synthetic materials. I'm often asked what is the difference between Medicare Supplement Plan G and Plan N. There are really only three differences between the plans.
Joe helped me figure out which was best for my husband and me as we went into this next phase of life. Joe took me through the process in about 15 minutes, got me with a great company at a bargain basement price, and now I can relax as I turn 65 knowing that one major thing I had to deal with has been handled by an absolute expert. Bill is approved by House Committee that would ease Medicare Part B enrollment A bill has been approved by the House Committee that would ease Medicare Part B enrollment. I am confident that the Plan and company he recommended for me for this upcoming year will work out in my behalf. We will be contacting him again when my husband is eligible for Medicare. Made a difficult maze very easy to navigate!!! At My Medicare Quotes, we constantly shop the market for the top Medicare supplement plans and work hard to understand which plans are best for which people. August & Leo launched with 25 pieces including furniture, textiles, and decor. There is a choice of seven colors including White, Light Grey, Lilac, and Ivory. Our knowledgeable, trustworthy, and unbiased expert will explain your Medicare options, along with the pros and cons of each potential choice. You may opt-out by. The Determinants of Informality., Tax Administration and Firm Performance: New Data and Evidence for Emerging Market and Developing Economies., The Judiciary and Economic Development., The Education and Training of Entrepreneurs in Asia., Training and Intrinsic Motivation in Non-Profit and For-Profit Organizations., Journal of Economic Behavior & Organization, Do Informal Businesses Gain from Registration and How? Joe was top-notch - professional, courteous and made a painful process completely painless. I highly recommend him. My husband & I were stressing about picking supplemental insurance and Joe came to our home, sat at our kitchen table and made the whole process very easy to understand. All Rights Reserved, This is a BETA experience. Can't go wrong with reaching out to Joe D. The experience could not have been better. He is very thorough and it was a pleasure to work with him. Luckily for me I called Joe and he helped me choose the perfect one.
We first met Joe through our financial management group, TFG Management. They have a remote control and I put them on a timer. Thank You Joe. I highly recommend Joe for anything related to Medicare benefits to help you through the process. Joe helped us find the plan that fit our needs.. His service was prompt, professional, and greatly appreciated.
Very highly recommended. I am so happy I found him. When it comes to hurricane lamps, she has a more is more approach. 2022 The World Bank Group, All Rights Reserved. Learn how the World Bank Group is helping countries with COVID-19 (coronavirus) on the World Bank Group COVID-19 Hub. Joe has been a complete professional to work with. I would recommend nobody else but Joe DeAngelis. He will not forget about you afterwards, hes just a call or click away.
If you doctor accepts your Medicare, than they will absolutely accept your Medicare Supplement Plan. Trying to navigate an initial signing up for Medicare is anything but easy or painless-especially if you are trying to do it alone. My transactions with Mr. DeAngelis were superb. Joe has made the whole process very simple and stress-free. But because were on HSN, were able to still connect with people, says Rancic. Like so many people working during this time, weve all had to adjust. Our prices are great for the quality youre getting, but aside from that, think about all the time were in our beds and spend in the shower. He helped me select the best supplemental and prescription plans to suit my needs. He was highly recommended by a friend and I highly recommend him also. We would have all been together but at the same time, it was nice being at home to present the products because its a home line., While the holidays feel like theyre years away right now, its always best to be prepared early, which is why the brands next launch is a holiday collection. Quick, easy, painless and informative ! He was also very patient with all of our questions and was able to answer them all. Being a top entertainment news personality, breast cancer survivor, mom, and entrepreneur.
The feeling of wanting your home to be a more comfortable place? This collection truly does that with every detail down to matte gold finishings and beautiful bedding.". Rancic even has a towel rolling tutorial on August & Leo'sInstagramto showcase one of her favorite ways of styling them.
It was a pleasure! Spending so much time at home, as weve all been doing these past months, has given everyone a chance to take stock of how they are living, how their home makes them feel, and what needs to be updated or changed. We all want to make our homes as special as they can be., While launching a new product line is always stressful, its particularly challenging during a pandemic.
I had all my questions answered and secured the coverage best for me very quickly and professionally. Another noteworthy piece isthe towel setwhich includes two bath towels, two hand towels, and two washcloths. Panel Data Evidence from Vietnam., The Importance of Unemployment Insurance as an Automatic Stabilizer., The Doing Business Project: How It Started: Correspondence., The Effect of Corporate Taxes on Investment and Entrepreneurship., American Economic Journal: Macroeconomics, Doing Business Indicators: Why Aggregate, and How to Do It., Employment Laws in Developing Countries., The Effect of Electric Power Fluctuations on the Profitability and Competitiveness of SMEs: A Study of SMEs within the Accra Business District of Ghana., Property Rights Protection, Corporate Transparency, and Growth., Journal of International Business Studies, The Effect of Training on Employee Performance., European Journal of Business and Management, Judicial System Reform in ItalyA Key to Growth., Competitiveness in Low-Income and Low-Growth Regions: The Lagging Regions Report., The Cost of Non-Europe in the Area of Organized Crime and CorruptionAnnex ICorruption., The Training of Judges and Legal PractitionersEnsuring the Full Application of EU Law., Business Environment and Firm Performance in European Lagging Regions., South Africa Fire Loss Statistics 2015., The Role of Local Land Administrators: An African Perspective., Electricity Connections and Firm Performance in 183 Countries., Do Reorganization Costs Matter for Efficiency? Thank you again!Greg and Donna Schafer, I was really tripping about signing up for Medicare. I highly recommend Joe DeAngelis. Rancic is a big believer in investing in quality pieces that will be used every day. Will this last? I highly recommend him. He is clear and concise.
Medicare Supplement Plans (Medigap), Medicare Prescription Drug Plans, and Medicare Advantage do not explain themselves.
My only regret is that I didn't contact Joe sooner, when I started Medicare.
Private equity firms are seeing opportunities for profit in hospice care, once the domain of nonprofit organizations. Putting our own twist on things. The host was on the set. Every detail was addressed and I was allowed unlimited time for questions and concerns.Changing my health plans were very easy using Joe as my agent.. Joe is very knowledgeable about Medicare and the Medigap plans, and he helped pick the best options for my wife and I. In addition to decor, there are several larger pieces in the collection including ottomans, a bench, and nesting tables.
He is knowledgeable about insurance options and super-serves your needs. And Tell him Judi Z says, "Hi!". Ive gotten so organized and made a lot of changes just because Ive been here so much.
Really cared about helping us. Joe was very helpful & made reviewing your Medicare options easy. I met Jo DeAngelis recently and we had a conversation about medical insurance. Very knowledgeable.
There are many benefits of working with the television platform, including price and accessibility.
He IS the Medicare guy! I would never have gotten through this without Joseph's help. Its very different than starting a business a year ago. Thank you Joe!
The field of health care supplemental coverage is very complex and confusing.
So its easy to understand why the two women were perfectly paired to collaborate. At the end of meeting we had worked out a great supplement package using his suggestions and insight.
As for the name, Paul and Rancic share the same birth month (August) and astrological sign (leo). The Role of Information Sharing and Financial Sector Outreach., Insolvency Resolution and the Missing High-Yield Bond Markets., Rebuilding the Judiciary in Indonesia: The Special Courts Strategy., Do Property Rights Matter? I cannot say enough good things about my amazing agent Joe DeAngelis - his expertise , honesty, courtesy and utmost professionalism are all qualities that you dont necessarily find in an agent. I was so grateful for his help.
Joseph made a complicated process manageable for me. Joe understood my position completely and suggested and implemented a new plan more suitable for my finances and saved me thousands each year. A Summary Of A Robust First Half, A Puck Penthouse Hits The Market For $35 Million, Investors Snapped Up A Record Share Of Homes In The Spring Buying Season, What The Feds Rate Hike Means For The Housing Market. Joe Di Angelis was terrific he helped guide me through the medicare supplement maze he was very professional and knowageable, Thanks Joe Joe DiAngelis was very pleasant to work with and no matter how often I called he was patient and answer my questions.
Joe was an awesome help and made it easy with the decisions I had to make. Will certainly recommend him to all my friends and family. The whole process could not be any easier. Rancic describes the collection as really modern which is a truly unique spin for the category. He didnt try to upsell me either. I would highly recommend this company. I would recommend him to anyone, Joe explained clearly the options I had going into Medicare supplement insurance.
You see, when you go to a doctor Para 2015, la polio se haba erradicado casi por completo en todas partes excepto en Pakistn y Afganistn. He is very knowledgeable about the various plans, very patient and you know that he has nothing but his best interest for his clients.
I highly recommend him as he is knowledgeable and always available. Evidence from a Bankruptcy Reform in Colombia., Macroeconomic Implications of Size-Dependent Policies., An Economic Analysis of Corporate Directors Fiduciary Duties., The Levers of Legal Design: Institutional Determinants of the Quality of Law., How Business Is Done in the Developing World: Deals versus Rules., Law and Employment: Lessons from Latin America and the Caribbean., Judicial Training in ASEAN: A Comparative Overview of Systems and Programs., Misallocation and Manufacturing TFP in China and India., Are Judges Biased by Labor Market Conditions?, Declaration of Judicial Training Principles., Practice Makes Perfect: Judge Experience and Bankruptcy Outcomes., Building Quality Infrastructure in Africa. Joe is incredibly easy to talk to. Theyre just fabulous because you never have to worry about if youve left them on, explains Rancic. Partnering with HSN allows us to introduce our collection to customers through both their digital and broadcast channels which provides a safe space where customers can come together and stay connected through this challenging time," she says. Even before I had a line, those were the sorts of things I believed in making sure were quality. I think that we notice things about our homes that we didnt before. She also suggests styling them on a high shelf, which isn't something that you can easily do with regular candles. These towels are also a great way to give your bathroom a spa-like refresh. I have to take a very expensive drug, so choosing the right Social Security plan was a daunting task in navigating through the many plan choices available. Joe is very professional and knowledgeable.He will take you step by step through the Medicare process with no time constraints.I highly recommend Joe for all your S.S. and Medicare needs.Thanks again Joe. Well help you choose the Medicare supplemental insurance that suits your needs, not someone elses. TFG puts on a seminar each year with Joe to help answer questions regarding Medicare and the supplements. Evidence from a Property Law Enactment., Can Labor Regulation Hinder Economic Performance? I think it will continue on. He did a great job helping my 94 year old Father pick his plan last year and my Wife pick hers. Joe is very patient and answered all my questions.
Joseph was incredibly helpful and knowledgeable about medicare supplement options and helped me choose the plan that was best for me. Were able to Skype in and we premiered on Skype. He has taken care of both Denise and I. I thought I knew all about getting a good provider, but Joe sure steered us straight. The answer is really quite simple.
He is very knowledgeable, informative, and helpful. Thank You Joe.
Joe was prompt in responding to my call, informative and extremely helpful and pleasant to talk to. I started with HSN back in 2012 launching my clothing line, G by Giuliana, she tells me. And while Medicare is generally an excellent health insurance plan, there is no one option that is the best fit for every single person. You know how you get one hurricane lamp and you think what am I going to do with that? I had excellent - through and prompt service. I want to thank Joe DeAngelis for his expertise and patience with me selecting a medicare plan. He's knowledgeable, responsive, friendly, and he made the whole process of finding a plan for my parents so much easier. Sometimes with synthetic sheets, they come out of the dryer less wrinkled, but at the same time, they arent breathable.. Joe is very personable,knowledgeable and handles everything.
I am excited to now partner with interior designer, Lonni Paul, to venture into the home space with our new home collection.". He is extremely knowledgeable and professional. Joe DeAngelis gave me options to consider, called insurers on my behalf, and found the best rate for me. Find the latest eLibrary content related to COVID-19 (coronavirus) here. I would highly recommend this agency! His explanations are easy to understand and he takes the time to listen.
Dont feel bad if youve had a hard time with it.
He was very patient and thorough in answering our questions. I could not be happier. We have an amazing team [at HSN] who truly understands our brand and what we want to achieve; high-end chic design thats functional, livable, and attainable., The quality and aesthetics of the line surpass what the price point would have most people believe. Joe was a true blessing for me with the whole Medicare nightmare! I couldn't possibly be happier with his expertise. Joe provided excellent service. 2018 My Medicare Quotes. First, as we know Medicare Supplement Plan G will cover all Medicare Approved Expenses except for an Annual Part B Will my Doctor take my Medicare Supplement Plan This is a question we often get here at the office. He made difficult information easy to understand. Awesome job. Joe DeAngelis is the BEST! It was very important for Rancic that the sheets were 100 percent cotton and not made of synthetic materials. I'm often asked what is the difference between Medicare Supplement Plan G and Plan N. There are really only three differences between the plans.
Joe helped me figure out which was best for my husband and me as we went into this next phase of life. Joe took me through the process in about 15 minutes, got me with a great company at a bargain basement price, and now I can relax as I turn 65 knowing that one major thing I had to deal with has been handled by an absolute expert. Bill is approved by House Committee that would ease Medicare Part B enrollment A bill has been approved by the House Committee that would ease Medicare Part B enrollment. I am confident that the Plan and company he recommended for me for this upcoming year will work out in my behalf. We will be contacting him again when my husband is eligible for Medicare. Made a difficult maze very easy to navigate!!! At My Medicare Quotes, we constantly shop the market for the top Medicare supplement plans and work hard to understand which plans are best for which people. August & Leo launched with 25 pieces including furniture, textiles, and decor. There is a choice of seven colors including White, Light Grey, Lilac, and Ivory. Our knowledgeable, trustworthy, and unbiased expert will explain your Medicare options, along with the pros and cons of each potential choice. You may opt-out by. The Determinants of Informality., Tax Administration and Firm Performance: New Data and Evidence for Emerging Market and Developing Economies., The Judiciary and Economic Development., The Education and Training of Entrepreneurs in Asia., Training and Intrinsic Motivation in Non-Profit and For-Profit Organizations., Journal of Economic Behavior & Organization, Do Informal Businesses Gain from Registration and How? Joe was top-notch - professional, courteous and made a painful process completely painless. I highly recommend him. My husband & I were stressing about picking supplemental insurance and Joe came to our home, sat at our kitchen table and made the whole process very easy to understand. All Rights Reserved, This is a BETA experience. Can't go wrong with reaching out to Joe D. The experience could not have been better. He is very thorough and it was a pleasure to work with him. Luckily for me I called Joe and he helped me choose the perfect one.
We first met Joe through our financial management group, TFG Management. They have a remote control and I put them on a timer. Thank You Joe. I highly recommend Joe for anything related to Medicare benefits to help you through the process. Joe helped us find the plan that fit our needs.. His service was prompt, professional, and greatly appreciated.
Very highly recommended. I am so happy I found him. When it comes to hurricane lamps, she has a more is more approach. 2022 The World Bank Group, All Rights Reserved. Learn how the World Bank Group is helping countries with COVID-19 (coronavirus) on the World Bank Group COVID-19 Hub. Joe has been a complete professional to work with. I would recommend nobody else but Joe DeAngelis. He will not forget about you afterwards, hes just a call or click away.
If you doctor accepts your Medicare, than they will absolutely accept your Medicare Supplement Plan. Trying to navigate an initial signing up for Medicare is anything but easy or painless-especially if you are trying to do it alone. My transactions with Mr. DeAngelis were superb. Joe has made the whole process very simple and stress-free. But because were on HSN, were able to still connect with people, says Rancic. Like so many people working during this time, weve all had to adjust. Our prices are great for the quality youre getting, but aside from that, think about all the time were in our beds and spend in the shower. He helped me select the best supplemental and prescription plans to suit my needs. He was highly recommended by a friend and I highly recommend him also. We would have all been together but at the same time, it was nice being at home to present the products because its a home line., While the holidays feel like theyre years away right now, its always best to be prepared early, which is why the brands next launch is a holiday collection. Quick, easy, painless and informative ! He was also very patient with all of our questions and was able to answer them all. Being a top entertainment news personality, breast cancer survivor, mom, and entrepreneur.
The feeling of wanting your home to be a more comfortable place? This collection truly does that with every detail down to matte gold finishings and beautiful bedding.". Rancic even has a towel rolling tutorial on August & Leo'sInstagramto showcase one of her favorite ways of styling them.
It was a pleasure! Spending so much time at home, as weve all been doing these past months, has given everyone a chance to take stock of how they are living, how their home makes them feel, and what needs to be updated or changed. We all want to make our homes as special as they can be., While launching a new product line is always stressful, its particularly challenging during a pandemic.
I had all my questions answered and secured the coverage best for me very quickly and professionally. Another noteworthy piece isthe towel setwhich includes two bath towels, two hand towels, and two washcloths. Panel Data Evidence from Vietnam., The Importance of Unemployment Insurance as an Automatic Stabilizer., The Doing Business Project: How It Started: Correspondence., The Effect of Corporate Taxes on Investment and Entrepreneurship., American Economic Journal: Macroeconomics, Doing Business Indicators: Why Aggregate, and How to Do It., Employment Laws in Developing Countries., The Effect of Electric Power Fluctuations on the Profitability and Competitiveness of SMEs: A Study of SMEs within the Accra Business District of Ghana., Property Rights Protection, Corporate Transparency, and Growth., Journal of International Business Studies, The Effect of Training on Employee Performance., European Journal of Business and Management, Judicial System Reform in ItalyA Key to Growth., Competitiveness in Low-Income and Low-Growth Regions: The Lagging Regions Report., The Cost of Non-Europe in the Area of Organized Crime and CorruptionAnnex ICorruption., The Training of Judges and Legal PractitionersEnsuring the Full Application of EU Law., Business Environment and Firm Performance in European Lagging Regions., South Africa Fire Loss Statistics 2015., The Role of Local Land Administrators: An African Perspective., Electricity Connections and Firm Performance in 183 Countries., Do Reorganization Costs Matter for Efficiency? Thank you again!Greg and Donna Schafer, I was really tripping about signing up for Medicare. I highly recommend Joe DeAngelis. Rancic is a big believer in investing in quality pieces that will be used every day. Will this last? I highly recommend him. He is clear and concise.
Medicare Supplement Plans (Medigap), Medicare Prescription Drug Plans, and Medicare Advantage do not explain themselves.
My only regret is that I didn't contact Joe sooner, when I started Medicare.
Private equity firms are seeing opportunities for profit in hospice care, once the domain of nonprofit organizations. Putting our own twist on things. The host was on the set. Every detail was addressed and I was allowed unlimited time for questions and concerns.Changing my health plans were very easy using Joe as my agent.. Joe is very knowledgeable about Medicare and the Medigap plans, and he helped pick the best options for my wife and I. In addition to decor, there are several larger pieces in the collection including ottomans, a bench, and nesting tables.
He is knowledgeable about insurance options and super-serves your needs. And Tell him Judi Z says, "Hi!". Ive gotten so organized and made a lot of changes just because Ive been here so much.
Really cared about helping us. Joe was very helpful & made reviewing your Medicare options easy. I met Jo DeAngelis recently and we had a conversation about medical insurance. Very knowledgeable.
There are many benefits of working with the television platform, including price and accessibility.
He IS the Medicare guy! I would never have gotten through this without Joseph's help. Its very different than starting a business a year ago. Thank you Joe!
The field of health care supplemental coverage is very complex and confusing.
So its easy to understand why the two women were perfectly paired to collaborate. At the end of meeting we had worked out a great supplement package using his suggestions and insight.