Persistance and Tenacity, requires a new chapter, a new beginning....
Showing posts with label sierra Kings district bankruptcy. Show all posts
Showing posts with label sierra Kings district bankruptcy. Show all posts

Thursday, November 3, 2011

KVHD board November board meeting: Are these the final hours for the hospital ?

KVHD UNDER WATER?
Newest board member, David Derr, a former fireman may want to bring out his hoses, as the hospital board meeting revealed serious problems with their longevity.

Many people were surprised, but why should they have been? Possibly because they were unaware of the problems taking place due to the district's lack of honest communication with its community members.

There are many diehards, such as Reverend, Charles White, who sat with Pamela Ott going over plans for the 2006 GOB election. White has been allowed to go to meetings such as the strategic planning meeting in 2008, where board members, voted to give, before elder abuse charges were filed, 25K dollars only to Pamela Ott. Hmm...(White shown above, at the December 2, 2010, board meeting, when the board agreed to bring on attorney David Weinstein to offer financial options.)

I again brought this to the attention of Scott Nave of Lemieux and O'neill, the board attorney, why the public was not allowed to attend the strategic planning event, as Bob Jamison, then board chairman, said in the minutes from 2008, the meeting was closed to the public.

Then how did Chuck White and former board member, Chuck Wild, manage to make it to this meeting?

These are the people who have kept secrets, as they knew before I did, that in 2006, the GOB construction plans were not doable. Why didn't they tell us, me, the Attorney General? Charles White who works closely with KRVR, knew, but did not alert anyone.


(CEO, Tim McGlew, shown listening to audience questions and comments)

The community has a choice: the time is now. However, if the hospital happens to fail, we will have to pay the debt with our property taxes. I've never heard them tell us that. But there is much more to this: we need a hospital, only we need to work together to get it.

And we need administrators, board members, board counsel, that are new and not attached to each other like screaming kids in a haunted house.

New people, new day. And more oversight, meaning help from the county and state, to put this together and functional.

It is obvious this group has failed. The problem is that they didn't learn from their mistakes and have never really faced what they have done that brought us to this point. Did the CFO and his pharmacy buddy, Elmo, really need free rent? Or were they taking advantage?

We have all had the chance to help, but most people hid and ran off. Some got sick fighting to get their jobs back. Many moved away.

The CEO, simply took two raises, and now complains they didn't know it was coming.

They didn't know I was coming to the meeting last night either, but I came because of the news regarding the cuts to reimbursement, and a few other things. Though I wanted to stay home as I am quitting smoking and not in a great mood, I thought it best to go, as the hospital got quiet...as they say before the storm.

McGlew talked about a figure of 1.8 million they were facing to lose, and I thought I would remind them they survived 2.5 million they overpaid to Sycamore Management, the group brought aboard the SNF in 2007, according to the CFO, to "stave off Cal mtg," the insurer of the debt that never seems to show up on the profit and loss statements.

They have also paid millions over the years to get contractors to help put humpty dumpty back together again. That didn't work out, paying top dollar, while you are broke? But again, this is how this district has been operating for 22 plus years.

Now is the time to think about the ramifications of allowing others to run such an important component to the community without oversight.

Check their wallets and briefcases if they try to leave

KVHD has no one to blame but themselves. The one constant in the last eleven years has been the CFO, Chet Beedle, and with some logic we can assume that he probably should have been replaced for a variety of troubling reasons. But no action has been taken by anyone, including Cal Mtg. who has been lied to by the "expert in critical care access" accounting, as Mabel Chan, case manager for the hospital, referred to our CFO in an email.


(KVHD Chairwoman, Victoria Alwin, may have to find other people to try and control, as timing the public comments and banging her gavel, have not made her popular. But it may not be much longer that we have to listen to this judge-like chair, who has forgotten her "roots." Alwin, a former critic of the hospital prior to being elected, has been on the defensive of her own performance in the last two years...)

As I said, the Kern Valley Healthcare District board of Directors have no one to blame...however, they always find someone or something other than themselves. The CEO, started his usual round of excuses starting with California Governor Jerry Brown and moved up the line regarding the federal changes in Medicare reimbursement brought to you by President Obama.


The eleven years of financial leadership by CFO, Chet Beedle, shows the hospital administrators and certain board members, did not have the qualifications or tenacity to protect the district. But we never tried anything new in all those years here in the valley.

Oh, forgive me, they did try something new when Beedle cut staff in 2005, preparing for a campaign run for a GOB, they used chemical restraints and free labor from the hospital auxiliary volunteers to keep the nursing center open.

They have been asleep on the job.


Now we need a hospital, and most remarks from residents were conflicted. "I want a hospital, not this one."

I rephrased the question, would you like to keep this hospital if there were radical changes to the administration and board and medical providers? Then the answer became clear to everyone. YES!

Don't let them take the hospital away: it's the administrators, board, and their friends who need to go.

I explained that we can and will have a hospital. The problem which has been here for eons, is the valley's inability to understand what has happened. We were sold out in 1988, selling more revenue bonds to try and complete the hospital expansion that contracted in the course of the work.

They failed to complete the whole project, and therefore doomed this valley to forever have to deal with a debt that could remove healthcare forever unless we move quickly.

We need to start over, remove the high salaries, which the CEO, when asked if he would pitch in some of his salary, stated they are only "pennies?" He indicated taking money from his pocket and other administrators would do nothing in the face of his speech on our "serious issues."

How many pennies did his Jaguar cost?

McGlew who came aboard as the highest paid CEO in the history of KVHD, may not realize that his salary is NOT pennies to the residents who he is supposed to serve.

Who wants the CEO salary? It's 230K a year, plus all the benefits of not living in the area, or even using the facilities for he and his family's healthcare. Stop, I do know that Mr. McGlew has a disabled child who requires certain special care.

Has he EVER considered that he is not the only one that needs specialized care? We have developmentally disabled residents, ailing people, and services that KVHD cannot provide for the patients in the valley.

Did, CFO, Chester Beedle, not see this situation coming financially as there is a wonderful newsletter from "California Healthline" that keeps me, at least, up to date on the healthcare bills and news.

I offer up the idea to the California legislature: Before a public district can begin the process of gaining money via General Obligation Bonds, it must have a district preliminary vote. That will save the time and trouble of finding out that no one cares about a hospital that has put up murals and paint over their horrific mistakes.

Unfortunately, as you can see on the face of Dr. Gross DO, there is little time left to do the right things, they are far too late...And now we will likely pay for their decisions.

(Dr. Robert Gross DO, KVHD hospitalist, former adversary of the administration who had to hire an attorney regarding the KVHD/ Sienna Wellness clinic, asked that residents write their representatives. The board seems unaware that they are government, elected officials in a public district, with public monies, and they should be writing on our behalf. But they ignored this too long and now we have to decide for them as they had nothing but excuses, scapegoats, and long faces at last night's meeting)

Hello to all involved in the 2009 subverted attempt to save the hospital?

In 2009, I saw this coming...where was the board? They were trying to stop negotiations with Cal Mtg. and because of bullying it happened. We never made it past Chet Beedle, Brad Armstrong or former CEO, Rick Carter, who Victoria Alwin blamed for stopping the potential progress last August 2010.

How exactly did Rick Carter stop the negotiation on his own? He didn't, it was a group effort. This is why these people cannot blame anyone but themselves, as they have not shown any leadership or foresight.

They saw the day coming, or if they didn't, then they should just step down now and avoid certain repercussions.

We had support to deal with it. Why didn't this board override Mr. Carter, Alwin's villain, and do what we had needed to do for 20 years?

McGloom and McBeedle stop second attempt at negotiation

I have some ideas, and solutions, but the community now needs some back up, such as that attorney they ignored for one year, and when David Weinstein came around to shore up the information regarding our chances of negotiating with Cal Mtg. or even bankruptcy, but four board members and the administration held the meeting off while signing on to another Cal mtg. debt relief given the district so they would not burden the valley residents with a GOB. (this is according to Cal mtg. and some documents: the board asked for this email and unlike my PRA requests, I got them their information last night.)

Only last week, the CEO, began speaking about the new GOB. At this board meeting, however, he said there may well be no GOB. But we have heard so many stories, as Beedle told us Cal Mtg. was going to help last night too. I will ask for the documents that go along with Beedle's statement.

If McGlew who could have slimmed his salary, along with CFO, Beedle, and a few others, focused on the main issue, quality patient healthcare, reasonable salaries, services the community has been begging for, we may have been able to plan for the future.

Even with the debt, prudent spending could've perpetuated the district's lifespan. That was never the case. They were not saving for a rainy day, and look soaked now...by everyone.

Don't forget, as owners, and voters in this valley, you will need to decide which of the options the hospital has left that would potentially bring in new faces, ideas, and direction and allow us to have quality healthcare.

We need people who have the "time" and the intelligence, who don't change their personalities with a sip of power, who REALLY want to help, and not simply offer lip service.


Board attorney, Scott Nave, did not like my questions and instructed the board to do "whatever" they want to do, such as not answering (that's an old one Scott), or sending it to McGlew for an answer. I'm sorry, I have sent complaints from dozens of residents having problems, and the CEO, always promises, but somehow rarely follows through.

However, I would like to clarify that Mr. Nave broke loose about me, that I had tried to sue the hospital several times.

While the gal with the timer banged her gavel, I reminded Scott, that I repeatedly said if I were going to sue, I would want a class action suit where all people who were hurt, degraded, billed improperly, defamed, can be redeemed.

Are we a class action act? We need to move fast...if that is the will of the community.

So, to clarify, I was quite ill after my negligent treatment, or criminal, depends on the lawyers you speak with, on 1/20/11. This occurred after I complained repeatedly to the CEO, that I needed help, and the ER was calling people "junkies," ignoring the complaints of an elderly woman who said her daughter was abusing her, and on Christmas night the 72 year old woman was escorted outside the ER to the chairs where she was moaning in pain.
(It was a Merry Christmas)

Again, this is so irresponsible and cruel, that we cannot allow ourselves to be victimized by people who may just walk away with a pension, a tremendous salary, and move on while we the valley pay the debt they so lovingly will be leaving us.

But don't worry, I plan on following their careers...

Next year is another election

With another election year coming up, and a GOB on top of the list of strategic planning, we can jump aboard that election and help bring about change.

As our Governor, the one being blamed for the problems that may take down the hospital, said before he was elected, "we have to break down to break through," and here we are with the timing perfect for this community to take back our hospital from the parasitic spending practices and lack of transparency, which is what they hide behind.

Sierra Kings survived

We have spoken of elder abuse charged, Pamela Ott, the KVHD CEO, who was allowed to escape to another hospital in Reedley, California.

While KVHD was sleeping, Sierra Kings, another public healthcare district, has been through financial turmoil brought on by mismanagement, allegedly Pamela Ott, but they went into bankruptcy...the constant fear here in the valley.

The Valley of Fear

With fearful employees, and witnesses biting at the bit to tell their stories to someone who will listen, KVHD, went down another road, missing ARRA funds, running off volunteers who offered their skills to help upgrade services, took advantage of all those pennies, and now, we have a video of Tim McGlew giving us the bad news.

However, the good news is that Sierra Kings made it thru the bankruptcy, had community support to do it, and they are letting loose the HFS company who managed this whole "turn around" project as they are now back in operation with a happy community.(See Reedley Exponent for the full details)

(HFS, is the company who came to KVHD for an "operation's review" and was tagged with leaving "giant holes" in the report. But somehow they helped Sierra Kings...doesn't make sense, unless you are a KVHDer.)

It is possible to save the hospital, it is not when people don't complain, or they don't have the courage to speak up, or work together, when things fall apart. I'm hearing more and more from the inside of the hospital, and I can tell you they WANT to talk about what is going on.

The even bigger picture

We have options such as selling the hospital, but then we have to consider other issues facing this valley as well. Such as years of work on our "dangerous dam." This could cause closure of the 178 to Bakersfield for years.

It may offer some employment, but in the long run, this valley has not looked ahead, and is running into it's own walls...the hospital would be also effected. Have they considered that too? I'm sure they haven't as they are busy spraying water as their pants are on fire.

But again, we are looking at things too late. We failed in every respect, all of us. Now we have to find out what the reality is, and go from there.

According to George Stahl, writer for the Kern Valley Sun, the hospital is expected to fail. The Sun can be thanked for helping this happen, as if the truth were available to all, we could have handled it. But that never happens in the KRV...

Tim's speech: video and details coming up...McGlew slams critical access care report of quality and safety issues at CAH rural hospitals. Waiting for response from CAH to McGlew's statement.
Board member, Robert Gross, admitted that KVHD has safety issues. All video, coming soon...

Thursday, July 1, 2010

It was the night before KVHD and all through the house, not a creature was stirring, but only this louse: Sierra Kings in bankruptcy?

But Pam doesn't believe in bankruptcy...how could this be?
The irony, I hope,will not be lost on anyone here in the KRV, that Sierra Kings District board of directors voted today to file bankruptcy, a chapter nine, municipal bankruptcy of a public healthcare district.

For those who are new to this blog, Sierra Kings District, is the, or will it be "was the", home of the criminally charged, Kern Valley Healthcare District, former CEO, Pamela Ott.

Ott who is charged with eight counts of elder abuse stemming from her time with KVHD, is currently on unpaid leave with the district, until the November preliminary hearings scheduled at the Kern County Superior Court.

Last month, September, Ott plead "not guilty whatsoever" to the elder abuse charges and was released on her on recognizance, pending the hearings, but with the provision that she not work in a skilled nursing facility. (I'm thinking maybe living in one might be the lesson)

After reading the article published on the web, by the Sierra Kings' local newspaper, "The Reedley Exponent," regarding the last month's board meeting, the new CEO and CFO, spoke of converting hospital beds into swing beds which could be used for skilled nursing.

I wonder how that plan, if it ever gets underway, as Sierra Kings voted on going with bankruptcy to solve their financial woes, will combine with Ott's employment and court orders?

What happened at Sierra Kings, other than the obvious?

Oh, the news of the Sierra Kings bankruptcy, which is scheduled to be filed tomorrow, according, to interim CEO, Sandy Haskins, reeks of timing I must say.

One month after Ott is talking innocence with a Kern County judge, her hospital, the one again in her care, under her leadership, is said to appear to be a "sinking ship" in the local Reedley newspaper.

But bankruptcy is a word I think all of us, and I mean all of us, (yes, I see you), will never forget as being the word that Ott used constantly here in the KRV: but not as a solution, rather an attack on people who would utter such a contemptible idea.

Now, Sierra Kings, Ott's latest adventure, will likely be saved from total annihilation by doing this.

In the same article from the Exponent, the latest word had been a gasping "plan" devised by the firm HFS Consultants, who have been working with the hospital for a year and supplied both the interim CEO, Haskins, and Chief Financial officer, Teresa Jacques. http://www.reedleyexponent.com/

Losing both CEO, Ott, to criminal charges, and CFO, Barbara Jennings, to some not really specific complaints, (she didn't do her job is basically what they are saying), Sierra Kings has filled it shoes with the resources of this consulting firm HFS.

You can find HFS off the website for the Association of California Healthcare Districts, ACHD. http://www.achd.org/

ACHD is a power player in the healthcare industry, and considering HFS is on the front page of their website, I'm assuming this company must be in the big league too.

Last week there was the unveiling at the SKDH board meeting of the three million dollar plan, hatched by HFS, which would be a complex, (and I'm sure costly), look at accounts recievable and billing issues. They were hoping to cull through lost monies and shore up the billing department.

But now it's bankruptcy. What a week it must have been in Reedley.

Although Haskins said, "We'd prefer not to have to do this," he elaborated on the fact that the hospital is cash poor and accounts recievable are out over 100 days.

He said, the board of directors has made the choice to go forward with the Chapter 9, and they "hope it will improve the situation."

This will be the story to follow at Sierra Kings, but the truth is that the problems here at KVHD may lead us to the same conclusions we came to ten years ago in 1999 when a CEO was fired for even mentioning the idea: Bankruptcy.

Pam Ott totally disagrees with bankruptcy. Where is she anyway?

Now, without it's CEO, Pam Ott, Sierra Kings faces a huge challenge to remain on the healthcare map as bankruptcy is both costly and risky.

HFS has apparently taken the helm for this round at Sierra Kings, but where's Pam Ott in all of this?

Ott, who in my opinion, considering the circumstances at Sierra Kings, and the criminal charges, will be moving her base of operation somewhere else in the near future. But then again, she has gotten awards from ACHD and worked with HFS, so she's in with some big guns which could protect her if they were so inclined.

Oh, but what a legacy (or scarring, whatever you want to call it) she left our respective healthcare districts.

KVHD, now known for its elder abuse, collusion, criminal negligence, retributive firings, obstruction of investigators, short staffing, and some really colorful scapegoating, has a cousin in Reedley, Sierra Kings.

They are now known for their own construction projects gone awry, a CEO charged with elder abuse, a suspicious termination of the finance officer, no money and now bankruptcy. (I'm sure there are other things I missed)

Bankruptcy is taboo

So, to tell this story I must go back to the fact that while Ott was with KVHD the legend goes that Mr. Robert Knight, CEO, wanted to bankrupt the district to shake off that mountain of debt brought about by mismanagement of a construction project some years earlier.

This lead to Ott and her gang just twisting it and spinning it, that Robert Knight, was a "threat to the healthcare district" as he wanted to bankrupt and get out of debt.

Well Knight, as CEO in 1999, and I will show you this paperwork someday, did have an attorney look into bankruptcy. It is a detailed report on the situation of the debt load they were trying to carry, and how a bankruptcy could save or renew the district.

Enter the bad guys, the antagonist, Cal Mtg.

I'm sure it wasn't the day after the bankruptcy report was made, but certainly shortly thereafter, our friends from the state agency who insured the 22 million in revenue bonds, Cal Mtg. came pounding on the door.

No way were they going to let us bankrupt without a fight. We, or the board of directors at the time, signed our district away on the construction project which brought us half a SNF and an inoperable OR.

But guess who ended up as the bad guy? Robert Knight because of his suggestion of bankruptcy. Not Brad Armstrong who still sits asleep at the board. Not the people in OSHPD who approved the building plans. Not the CEO of the time nor the board of the time.

Here's the funny part: Knight was not even at KVHD when the real damage was done with the revenue bonds. He was hired on after the disaster, expected to run a company with a huge debt load, yet, still blamed. Interesting how that worked.

(But you don't bankrupt on Cal Mtg.)I asked the interim CEO, Haskins, if Sierra Kings had any debt insured by Cal Mtg. and he reported that they did not.

Of course not, or they wouldn't even be considering Bankruptcy.

Cal Mtg. has the claws in its contracts set up so that, sure you can bankrupt, its legal, but we will take everything.

If you're interested, the state plan 2007, for Cal Mtg. is like a Stephen King novel in its descriptions of what happened to those who couldn't pay. My favorite story from the state plan involves some poor healthcare provider who couldn't pay. Rather than telling the state, they knew what was going to happen, so they just walked away and didn't even call.

Cal Mtg. actually went physically to the site to find that they were gone.

I think every healthcare provider out there should read that state plan before embarking on the Cal Mtg. deal.

Ott ramping up the propoganda: she used the blame game

Ott came to KVHD by way of the management company, BRIM, and CEO appointed, David Green (See: tracking down the troubles).

She started as Chief Nursing Officer in 2002 and was then neatly packaged as the new CEO by 2003. Dave Green basically handed her the keys to the family car and didn't check her license.

Well, Mr. Knight, won a seat on the board of directors, and he was not going away. (sound familiar) He was not going to be scapegoated without a fight, unlike others who have been taken down at KVHD.

That scrapper Knight, and then CEO, Ott, had some real problems. Where as Knight likes to tell it like it is, Ott's verbiage robotically and repeatedly contained the word "wonderful" or the Knight's did it.

Ott and the gang also accused Knight of not playing with the team about the seismic construction issues which included the Measure M general obligation bond for 12.5 million.

Knight had actually had a bid to do the retrofitting required by the state to keep the hospital in business and safe from earthquakes. (Though they would take us down in a New York minute if we didn't pay the Cal Mtg. debt payments. I guess this makes sense to somebody, only a politician I would think.)

But the Knights, who chose to fight and even run and serve on the board, (Currently, Mrs. Kathryn Knight is our chairwoman, which would have disturbed Miss Ott to no end, as you will see in the email below) have been telling the story of the hospital, it's relationship with Cal Mtg., the financial problems, and finally, we didn't listen when they tried to tell us about the nursing facility.

Why didn't anyone in this community listen?

There's a certain amount of dissappointment on my part as far as this community's ability to understand a problem and deal with it. Gossip, judgment, and ego have played a bigger role than fairness, understanding, and compassion which always seems to take a back seat to the baser preoccupations of people.

The "smallness" of this community makes the situation more pronounced, such as attacking people who are trying to help. Like the Knights.

I tell you if there are people to respect and appreciate it is the Knights. They have a lot of heart and have hung in there when being called many unrepeatable and factually untrue things. In fact, Pam Ott, made her career here on the backs of the gossip about the Knights.

So, I'll end this for the night, and take up after the KVHD board meeting tomorrow.

I'll leave you with the immortal words of Ott from an email in 2006: (by the way those are her typos not mine. And the first reference is to the election of Kathryn Knight to the board while losing the precious Measure M.)

Ok, I finnally finished listening to the load of cow excrement. I want you to know that I got up at 5am this morning in order to accomplish this arduous task (tee, hee). I can't believe that we are all going to have to listen to that squeely little voice for the next 4 years. What is God's plan, I would like to know!!!!!!!!!!! Here are my thoughts:

1. Bob openly admitted that his grand plan continues to be to bankrupt the district. The staff are being used as a ploy in his adventure. He is well aware of our fragile economic situation and that simply increasing salaries and increasing staff will do exactly that. It is not about his concern for staff because he is well aware that no one will have jobs if he is to succeed in his ploy. Here is where I stand on the subject, there will be no bankruptcy, but rather, Cal Mortgage will once again step in and demand that a management firm come to the rescue to turn around finances just as they did during Knight's last intentional attempt at bankruptcy.

2. Mr. Knight has made several attempts to convince me to turn around the District financial successes and move the district toward bankruptcy. He has stated to me that Cal Mortgage would have to forgive the $16 million debt. Because I refuse to comply with such a sinister plot and he knows that Chet Beedle will never comply with such a plan, he now wants to remove all management and replace the very staff who have not only turned the District around financially, but also have improved customer satisfaction and quality improvement . Mr. Knight has informed me on multiple occasions throughout this year that he has a plan to once again take over the management of the district and that , even though I am a good CEO, my ten year is up. He actually even told me that I should take a position in the probation department. (QUOTE ANYTHING THAT YOU WOULD LIKE).

3. It is clear that both Knights have been in attendance at all Board meetings, but have not had the ability to assimilate information provided to them about the Measure M issues. First of all, why does he discount the ability of three very bright Board members who clearly understood the issues at hand? The Board and Administration had discussion frequently at meetings related to why retrofit was not a possibility. first of all, the community spoke clearly both in written and telephone survey that the current Acute care building does not have the capacity to provided the services that citizens would like to see such as an improved emergency department, cardiology and chemotherapy. We have discussed at the Board meetings that spending the approximate $25,000 to have architects propose retrofit plans is $25,000 spend on a project that will not give the Board any information that will be used based upon the fact that the district would still have an antiquated (loved your word), over crowded facility that would not meet today's standards for providing quality acute care services.

4. The discussion that they talked about Phil Foster and Tehachapi: Yes, If we were to use the modular concept with Aspen Street Architects, we could move forward far more expediently with a building project. Problem: Mr. Knight has some incompressible vendetta against Aspen Street Architects and if we do not use the already OSHPD approved modular concept, we will waste at least another year working with a new architect, spend $100's of thousands more on plans and wait for the average 2 years for OSHPD approval of plans. Three Board members understood the value of working with the Rural Health Design Network, a group of 13 Critical Access Hospitals who received a federal grant in order to save all of that money in order to meet the seismic standards in a very cost effective way.

5. Mr. Knight stated that I had already submitted a plan to OSHPD for the building of a net acute care wing: The plan presented to OSHPD was submitted in the year 2000, and Mr. Knight posed the Motion to submit those plans. I was not working with the district at that time.

6. Mr. Knight stated that he had made it clear in "a couple Board Meetings" that he stated that he would go along with the Measure "M" only if the District were to consider "rectalfit". The reality is the Mr. Knight posed the motion for the resolution that clearly stated that Measure "M" would build a new acute care facility to improve emergency services, provide more privacy, and to add Cardiology and Oncology services.

7. I cannot speak to the Gross's Clinic project that Mr. Knight has discussed. Discussion would be a clear breach of executive order of the Board. I am shocked that Mr. Knight has exposed his wife, who is not yet a board member and the media on executive protected information (quote me!).

8. As for the discussion about me bullying and cursing at staff: No comment except to say that I hope that he can find nursing staff who are willing to purger themselves in court, because that is where this discussion is going.

That's what came up for me, but I am sure that you will think of other issues - just call me!

(How do you like the tip of the iceberg. More to follow...)