Return-Path: <bounce_783884976+a.1d7e25ae47a01c40_v1@mail1.zgpvh.zcsend.net>
Delivered-To: andrew@sterlingcal.com
Received: from reseller401.webserversystems.com
	by reseller401.webserversystems.com with LMTP
	id uH6oB9jMS2U5aAcAchKAPA
	(envelope-from <bounce_783884976+a.1d7e25ae47a01c40_v1@mail1.zgpvh.zcsend.net>)
	for <andrew@sterlingcal.com>; Wed, 08 Nov 2023 12:00:56 -0600
Return-path: <bounce_783884976+a.1d7e25ae47a01c40_v1@mail1.zgpvh.zcsend.net>
Envelope-to: andrew@sterlingcal.com
Delivery-date: Wed, 08 Nov 2023 12:00:56 -0600
Received: from sendera17.zcsend.net ([135.84.81.17]:53908)
	by reseller401.webserversystems.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384
	(Exim 4.96.2)
	(envelope-from <bounce_783884976+a.1d7e25ae47a01c40_v1@mail1.zgpvh.zcsend.net>)
	id 1r0mrH-0023fm-1H
	for andrew@sterlingcal.com;
	Wed, 08 Nov 2023 12:00:56 -0600
Received: from 172.30.238.156 by sendera17.zcsend.net
	with SMTP id 169946644362059092; Wed, 08 Nov 2023 10:00:43 -0800
DKIM-Signature: a=rsa-sha256; b=VWf5nMAsXa8opU4hlJ+taIGY33dZqOkl4A7yBQ8S5G8GQiM4IOM8XYdCAatqruoNre2tkSYy+z9MEiztlxXA325SV7gAXDOsucAtqmRcoNVLhuYgqR+0W24oZzZxzXkQ6FTwhKTawXesh5gPoyeBVMGuCSJiCtJMpY/1/gsnC9U=; c=simple/simple; s=2146; d=grandmutual.com; v=1; bh=JsZl8l0XiYdUVkXCVJzO0f3fYfZizO8TjihRRqwbZPw=; h=date:from:to:message-id:subject:mime-version:content-type:list-unsubscribe:list-unsubscribe-post:x-csa-complaints;
DKIM-Signature: a=rsa-sha256; b=L7XWCfFXoYHbEaxtqAl1D4f0tzGHix581CXjIKTVsNw67F2XDKvYkU8wuf6LKCT6Lp38wq3LhFSCeth/RZdpg0F/CoNmJSIi+CxozF2e5Vj9kAH239/40DJxtZPtCy/iaYY+w8SyCLLNBaPVnNW79ktWqtOGJbAIHWv1hOzzyok=; c=simple/simple; s=k1; d=mailb5.zgpvh.zcsend.net; v=1; bh=JsZl8l0XiYdUVkXCVJzO0f3fYfZizO8TjihRRqwbZPw=; h=date:from:to:message-id:subject:mime-version:content-type:list-unsubscribe:list-unsubscribe-post:x-csa-complaints;
Date: Wed, 8 Nov 2023 10:00:43 -0800 (PST)
From: "Sharon Ezra" <info@grandmutual.com>
To: andrew@sterlingcal.com
Message-ID: <zcb.3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.1d7e25ae47a01c40.1699466443602@mail1.zgpvh.zcsend.net>
Subject: Group Insurance: Who Needs it and How Does it Work?
MIME-Version: 1.0
Content-Type: multipart/alternative; 
	boundary="----=_Part_7040723_33378597.1699466443600"
List-Unsubscribe: <https://bjagh-zgph.maillist-manage.net/ua/optout?od=3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=1d7e25ae47a01c40&sd=1d7e25ae47a0774d&n=11699e4bfb7a47e>,<mailto:leave_783884976+1d7e25ae47a01c40_1d7e25ae47a0774d@zcsend.net>
List-Unsubscribe-Post: List-Unsubscribe=One-Click
X-CSA-Complaints: csa-complaints@eco.de
Reply-To: info@grandmutual.com
X-JID: 3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.1d7e25ae479ed71f
X-campaignid: zohocampaigns.3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.zcb.1d7e25ae47a01c40.11699e4bfb7a47e
X-Zoho-RID: zohocampaigns.3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100.zcb.1d7e25ae47a01c40.11699e4bfb7a47e
X-Mailer: Zoho Campaigns
X-Report-Abuse: <Please send a copy of this message along with header to abuse+3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100_zcb_1d7e25ae47a01c40@zohocampaigns.com>, <https://bjagh-zgph.maillist-manage.net/campaigns/ReportAbuse.zc?od=3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=1d7e25ae47a01c40&sd=1d7e25ae47a0774d&n=11699e4bfb7a47e>
X-Spam-Status: No, score=-0.3
X-Spam-Score: -2
X-Spam-Bar: /
X-Spam-Flag: NO

------=_Part_7040723_33378597.1699466443600
Content-Type: text/plain;charset="UTF-8"
Content-Transfer-Encoding: quoted-printable



https://bjagh-zgph.campaign-view.com/ua/viewinbrowser?od=3D3z15fd5604c38175=
55abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae47a01c40&sd=
=3D1d7e25ae47a0774d&n=3D11699e4bfb7a47e&mrd=3D1d7e25ae47a0773b&m=3D1 View t=
his email in your browser

https://grandmutual.com/

November 2023 Newsletter

https://grandmutual.com/group-insurance-who-needs-it-and-how-does-it-work/

Group Insurance: Who Needs it and How Does it Work?

A group insurance policy is any insurance policy provided to a group of peo=
ple rather than a business or a single individual. Common options include h=
ealth, vision, dental, and life insurance. Supplemental policies that can b=
e added to those policies include accident insurance, disability insurance,=
 cancer insurance, critical illness insurance, and legal insurance. These a=
nd other policies are most commonly offered to full-time employees of a com=
pany as a job benefit, but some businesses may also include part-time emplo=
yees in one or more of their policies.

Companies that offer group insurance to full-time employees cannot pick and=
 choose which employees will be covered by the policy. If one employee in a=
 group is covered, then all employees must receive the same level of covera=
ge. However, employees can opt out of one or more group policies if they ch=
oose to do so. The main reason for opting out of coverage would be financia=
l, as some companies only pay part of the cost of the coverage. This means =
that employees have to pay for a portion of their insurance costs. The mone=
y for this is typically deducted from one's paycheck.

How Group Insurance Benefits Employers

Group insurance covers employees but employers also benefit from it. Provid=
ing group insurance boosts morale and helps a business retain valuable empl=
oyees. It is especially important for companies with specialized workers wh=
o have valuable, sought-after skills. However, as the ongoing worker shorta=
ge has revealed, any company can benefit by keeping employees happy and on =
the job. The cost of replacing an employee is about 20% of an employee's sa=
lary for mid-range jobs, and this cost doesn't include loss of consumer tru=
st and business while a new employee is learning the ropes.

https://grandmutual.com/group-insurance-who-needs-it-and-how-does-it-work/ =
Click Here to Continue Reading

https://grandmutual.com/
https://www.facebook.com/grandmutual
https://www.facebook.com/grandmutual
Like Our Facebook Page
https://www.linkedin.com/company/grand-mutual-insurance-services/
https://www.linkedin.com/company/grand-mutual-insurance-services/
Follow us on LinkedIn
https://www.instagram.com/grandmutualinsurance/
https://www.instagram.com/grandmutualinsurance/
Follow us on Instagram

=20

ABOUT GMIS Grand Mutual Insurance Services (GMIS) is a full-service insuran=
ce agency that offers comprehensive personal and commercial coverage for in=
dividuals and companies of all sizes. Insurance solutions are customized to=
 meet the needs of our diverse client base, enabling them to protect their =
assets.Our goal is to find you the absolute best insurance options at highl=
y competitive prices, while maintaining the level of personalized service o=
ur clients expect and deserve.

=20
https://grandmutual.com/ Visit Our Website
mailto:info@grandmutual.com?subject=3DGMIS%20-%20November%20Newsletter Emai=
l Us
tel:8887325994 Give us a Call

http://www.peakcorp.com

Copyright =C2=A9 2023 Grand Mutual Insurance Services. All rights reserved.
CA Insurance Lic. #OH85372 / National Producer #16632746

Our mailing address is:
5900 Canoga Ave, Suite 220, Woodland Hills, CA 91367

You are receiving this email as a current or former client of Grand Mutual =
Insurance Services (GMIS), or other related interested party.






----------------------------------------------------------------------
This email was sent by info@grandmutual.com to andrew@sterlingcal.com

Want to change how you receive these emails? Unsubscribe - https://bjagh-zg=
ph.maillist-manage.net/ua/optout?od=3D3z15fd5604c3817555abb83f691d78640d3e2=
b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae47a01c40&sd=3D1d7e25ae47a0774d&n=
=3D11699e4bfb7a47e
  =20



The Peak Companies | =C2=A9 2022=20





------=_Part_7040723_33378597.1699466443600
Content-Type: text/html;charset="UTF-8"
Content-Transfer-Encoding: quoted-printable

<html xmlns=3D"http://www.w3.org/1999/xhtml" xmlns:o=3D"urn:schemas-microso=
ft-com:office:office" xmlns:v=3D"urn:schemas-microsoft-com:vml"><head><!--[=
if gte mso 15]><xml><o:OfficeDocumentSettings><o:AllowPNG/><o:PixelsPerInch=
>96</o:PixelsPerInch></o:OfficeDocumentSettings></xml><![endif]--><title>Gr=
oup Insurance: Who Needs it and How Does it Work?</title><!--[if gte mso 9]=
><xml><o:OfficeDocumentSettings><o:AllowPNG/><o:PixelsPerInch>96</o:PixelsP=
erInch></o:OfficeDocumentSettings></xml><![endif]--><!--[if !mso]><!--><lin=
k href=3D"https://fonts.googleapis.com/css?family=3DLato:400,400i,700,700i"=
 rel=3D"stylesheet"><!--<![endif]-->
=09<meta content=3D"width=3Ddevice-width" name=3D"viewport">
=09<style>
=09/* #### Mobile Phones Portrait #### */
=09/* #### iPhone 4+ Portrait or Landscape #### */
=09@media only screen and (max-width: 480px){
=09=09table[class=3DcontentInner] {width:100% !important;padding:0px;margin=
:0px;}
=09=09img[class=3DzpImage]{width:260px !important;max-width: 360px !importa=
nt;text-align:center;margin:0px;padding:0px}=20
=09=09body, table, td, p, li,div,span, blockquote{-webkit-text-size-adjust:=
none !important;margin:0px auto;line-height:1.7}
=09=09table[class=3DzpImageCaption]{text-align:left;}
=09=09table[class=3Dcols]{width:100% !important;max-width:100% !important;t=
ext-align:left;}
=09=09table[class=3Dzpcolumns] {text-align:left;margin:0px;}=20
=09=09table[class=3Dzpcolumn] {text-align:left;margin:0px;}=20
=09=09table[class=3DzpAlignPos]{width:100%;text-align:left;margin:0px;}=20
=09=09td[class=3Dtxtsize]{font-size:18px !important;}
=09=09td[class=3Dpaddingcomp]{ padding-left: 15px !important; padding-right=
: 15px !important }
=09=09td[class=3Dbannerimgpad]{padding:0px !important;}
=09=09span[class=3Dtxtsize]{font-size:18px !important;}
=09=09img[size =3D "B"]{width: 100% !important;max-width:100% !important;ma=
rgin: 0px !important;padding:0px !important;}
=09=09img[size =3D "F"]{width: 100% !important;max-width:100% !important;ma=
rgin: 0px !important;padding:0px !important;}
=09=09img[size =3D "S"]{width:105px !important; height:auto; margin:0px aut=
o !important;padding:0px !important;}
=09=09img[size =3D "M"]{width:277.869px !important;height:auto;margin:0px a=
uto !important;padding:0px !important;}
=09=09h1{
=09=09=09font-size:28px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09h2{
=09=09=09font-size:24px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09h3{
=09=09=09font-size:20px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09h4{
=09=09=09font-size:18px !important;
=09=09=09line-height:100% !important;
=09=09}
=09=09}=09=09
=09=09@media only screen and (max-width: 480px){
=09=09.zpImage{
=09=09=09height:auto !important;
=09=09=09width:100% !important;
=09=09}}
=09=09@media only screen and (max-width: 480px){
=09=09.contentInner,.cols,.zpAlignPos{
=09=09=09width:100% !important;
=09=09=09max-width:100% !important;
=09=09}}
=09=09@media only screen and (max-width: 480px){
=09=09.paddingcomp{
=09=09=09padding-left: 15px !important;
=09=09=09padding-right: 15px !important;=20
=09=09}
=09=09.bannerimgpad{
=09=09=09padding:0px !important;
=09=09}
=09=09.buttonElem a
=09=09{
=09=09=09max-width: 320px !important;
=09=09}
=09}
=09=09@media screen and (max-width: 480px)
        {
                .tmplheader,.tmplfooter{width:100% !important;max-width:400=
px !important;margin:0px auto;text-align:center;}
        }
=09=09a[x-apple-data-detectors] {
=09=09    color: inherit !important;
=09=09    text-decoration: none !important;
=09=09    font-size: inherit !important;
=09=09    font-family: inherit !important;
=09=09    font-weight: inherit !important;
=09=09    line-height: inherit !important;
=09=09}
=09=09
=09=09</style>
<meta content=3D"text/html;charset=3DUTF-8" http-equiv=3D"Content-Type"></h=
ead><body bgcolor=3D"#efefef" style=3D"margin:0; padding:0;font-family:Aria=
l, Helvetica, sans-serif; font-size:12px; color:#000000;"><!--[if !mso 9]><=
!--><span style=3D'font-size:0px;max-width: 0px;max-height: 0px;mso-hide:al=
l;'>  </span><!--<![endif]--><center>=20
<div class=3D"zppage-container">                                           =
              =20
=09=09<table bgcolor=3D"#efefef" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"contentOuter" id=3D"contentOuter" style=3D"background-color=
:#f0f0f0;background-color:#efefef; mso-table-lspace:0pt; mso-table-rspace:0=
pt;font-size:12px;text-align:center;border:0px;padding:0px;border-collapse:=
collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;" width=3D"100%">=20
=09=09=09<tbody><tr>=20
=09=09=09=09<td style=3D" mso-table-lspace:0pt; font-size:12px;font-family:=
Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0p=
x;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rsp=
ace:0pt;">&nbsp;</td>
=09=09=09=09<td align=3D"center" style=3D" mso-table-lspace:0pt; font-size:=
12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;border-collapse:collapse; mso-table-lspace:0=
pt; mso-table-rspace:0pt;">
=09=09=09=09=09<table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" class=3D"contentInner" id=3D"contentInner" style=3D"border-=
collapse:collapse; border:0px;font-size:12px;border-collapse:collapse; mso-=
table-lspace:0pt; mso-table-rspace:0pt;background-color:#ffffff;background-=
color:#ffffff;width:600px;margin:0px auto;border:0px;" width=3D"600">=20
=09=09=09=09=09<tbody><tr>=20
=09=09=09=09=09<td height=3D"570" style=3D"border-collapse:collapse; mso-ta=
ble-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; ms=
o-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=3D"top">
=09=09=09=09=09 =09<a name=3D"Top" style=3D"text-decoration:underline;"></a=
>
    <div baseposition=3D"pos_YrobDQg7SAqnBt5RUo4dhQ" class=3D"zpcontent-wra=
pper" id=3D"page-container">
    <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" id=3D"page-cont=
ainer" style=3D" mso-table-lspace:0pt;font-size:12px;border:0px;padding:0px=
;border-collapse:collapse; mso-table-lspace:0pt;mso-table-rspace:0pt;text-d=
ecoration:none !important;" width=3D"100%">
<tbody><tr><td class=3D"txtsize" id=3D"elm_1666390135768" style=3D" mso-tab=
le-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso=
-table-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse=
:collapse;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1666390135768" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#efefef;">
=09    =09<table bgcolor=3D"#efefef" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-r=
space:0pt;font-size:12px;padding:0px;border:0px;border-collapse:collapse; m=
so-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;-ms-text-si=
ze-adjust: 100%;-webkit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:10px;p=
adding-right:30px;padding-left:30px;">
             =09    =09=09<div componentbgcolor=3D"#efefef" componentpaddin=
gbottom=3D"10px" componentpaddingleft=3D"30px" componentpaddingright=3D"30p=
x" componentpaddingtop=3D"7px" style=3D"background-color: rgb(239, 239, 239=
);"><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; =
color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"=
><a alt=3D"View this email in your browser" href=3D"https://bjagh-zgph.camp=
aign-view.com/ua/viewinbrowser?od=3D3z15fd5604c3817555abb83f691d78640d3e2b6=
7ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae47a01c40&sd=3D1d7e25ae47a0774d&n=
=3D11699e4bfb7a47e&mrd=3D1d7e25ae47a0773b&m=3D1" rel=3D"noopener noreferrer=
" style=3D"text-decoration:underline;color: rgb(68, 67, 67);" target=3D"_bl=
ank" title=3D"View this email in your browser" zcurl_name=3D"l_1"><font col=
or=3D"#444343" style=3D"color:#444343;">View this email in your browser</fo=
nt></a></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1695763027478" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"#fe5000" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:1=
2px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-table-l=
space:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:#fe5=
000;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
5763027478" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:#fe5000;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;padding:0px;border:0px;border-colla=
pse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-w=
ord;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:20px;padding-bottom:20px;padding-righ=
t:15px;padding-left:15px;">
=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47=
a01c40/1d7e25ae479ed7bd" style=3D"text-decoration:underline;border:0px;" ta=
rget=3D"_blank" zcurl_name=3D"l_2">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/972256000014147481_7_1698434959359_rgb.png" class=3D"zpImage" height=3D"=
auto" hspace=3D"0" size=3D"M" src=3D"https://stratus.campaign-image.com/ima=
ges/972256000014735139_7_1698435173853_rgb.png" style=3D"width:300px;height=
:autopx;max-width:300px !important;border:0px;text-align:left;" vspace=3D"0=
" width=3D"300">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1667417309847" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1667417309847" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#ffffff;">
=09    =09<table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-r=
space:0pt;font-size:12px;padding:0px;border:0px;border-collapse:collapse; m=
so-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;-ms-text-si=
ze-adjust: 100%;-webkit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:25pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:15px;padding-bottom:0px;p=
adding-right:15px;padding-left:32px;">
             =09    =09=09<div componentbgcolor=3D"#ffffff" componentlinehe=
ight=3D"25pt" componentpaddingbottom=3D"0px" componentpaddingleft=3D"32px" =
componentpaddingright=3D"15px" componentpaddingtop=3D"15px" style=3D"backgr=
ound-color: rgb(255, 255, 255);"><p align=3D"left" style=3D"line-height:1.7=
;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin=
: 0;text-align: left; line-height: 25pt;"><font color=3D"#444343" face=3D"l=
ato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 25=
pt; font-size: 14pt;"><b style>November 2023 Newsletter</b></font></p></div=
>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1692830884101" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
2830884101" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;padding:0px;border:0px;border-colla=
pse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-w=
ord;width:100%;text-align:left;">
                    <tbody><tr><td class=3D"bannerimgpad" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, H=
elvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;paddin=
g:0px;text-align:center;padding-top:0px;padding-bottom:0px;padding-right:0p=
x;padding-left:0px;">
=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47=
a01c40/1d7e25ae479ed7bf" style=3D"text-decoration:underline;border:0px;" ta=
rget=3D"_blank" zcurl_name=3D"l_3">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/972256000011581264_1_1695762494574_1455147748.jpg" class=3D"zpImage" hei=
ght=3D"auto" hspace=3D"0" size=3D"B" src=3D"https://stratus.campaign-image.=
com/images/972256000014735139_1_1698435173300_1184453612.jpg" style=3D"widt=
h:600px;height:autopx;max-width:600px !important;border:0px;text-align:left=
;" vspace=3D"0" width=3D"600">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1667336816152" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1667336816152" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:20px;padding-bottom:0px;p=
adding-right:45px;padding-left:40px;">
             =09    =09=09<div componentpaddingbottom=3D"0px" componentpadd=
ingleft=3D"40px" componentpaddingright=3D"45px" componentpaddingtop=3D"20px=
" style><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12px=
; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"=
><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><f=
ont style><b style><font style=3D"font-size: 16pt;"><span></span><span></sp=
an></font></b></font></font></p><p style=3D"font-family:Arial,verdana;font-=
size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-alig=
n: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif"=
 style><font style><b style><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0);"></font></b></font></font></p><p style=3D"font-family:Arial,verdana;=
font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text=
-align: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-s=
erif" style><font style><b style><font color=3D"#000000" style=3D"color: rg=
b(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0);"></font></font></b></font></font></p><p style=3D"font-fam=
ily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-=
height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helvet=
ica, arial, sans-serif" style><font style><b style><font color=3D"#000000" =
style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 18pt;">Group Insurance=
: Who Needs it and How Does it Work?  </font></font></font></b></font></fon=
t></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans=
-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:1=
2px;padding:0px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial,=
 Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,ver=
dana;font-size:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, h=
elvetica, arial, sans-serif" style><font style><b style><span style=3D"font=
-size: 16pt;">  </span><span style=3D"font-size: 16pt;"> </span><span style=
=3D"font-size: 16pt;"></span>  <span style=3D"font-size: 16pt;"> </span><sp=
an style=3D"font-size: 16pt;"></span> </b></font></font><p style=3D"margin:=
 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;lin=
e-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p></d=
iv>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676405029794" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1676405029794" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:45px;padding-left:40px;">
             =09    =09=09<div componentlineheight=3D"19pt" componentpaddin=
gbottom=3D"7px" componentpaddingleft=3D"40px" componentpaddingright=3D"45px=
" componentpaddingtop=3D"7px" style=3D"line-height: 19pt;"><p align=3D"left=
" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 19pt;"><font f=
ace=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-si=
ze: 10pt; line-height: 19pt;"><font style=3D"line-height: 19pt;"><span styl=
e=3D"line-height: 19pt;"></span><span style=3D"line-height: 19pt;"></span><=
span style=3D"line-height: 19pt;"></span><span style=3D"line-height: 19pt;"=
></span><span style=3D"line-height: 19pt;"></span></font></font></p><p styl=
e=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;text-align: left; line-height: 19pt;"><font face=3D=
"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: =
19pt;"><font style=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"=
color: rgb(0, 0, 0); line-height: 19pt;"></font></font></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 19pt;"><font face=3D"=
lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 1=
9pt;"><font style=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"c=
olor: rgb(0, 0, 0); line-height: 19pt;"><font style=3D"line-height: 19pt;">=
<span style=3D"font-family: Arial, Helvetica; background-color: transparent=
; line-height: 19pt;"><font style=3D"font-size: 10pt;"></font></span></font=
></font></font></font></p><p style=3D"font-family:Arial,verdana;font-size:1=
2px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: lef=
t;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=
=3D"line-height: 19pt;"><font style=3D"line-height: 19pt;"><font color=3D"#=
000000" style=3D"color: rgb(0, 0, 0); line-height: 19pt;"><font style=3D"li=
ne-height: 19pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); font-size: 10pt;">A group insurance policy is any =
insurance policy provided to a group of people rather than a business or a =
single individual. Common options include health, vision, dental, and life =
insurance. Supplemental policies that can be added to those policies includ=
e accident insurance, disability insurance, cancer insurance, critical illn=
ess insurance, and legal insurance. These and other policies are most commo=
nly offered to full-time employees of a company as a job benefit, but some =
businesses may also include part-time employees in one or more of their pol=
icies.</font></font></font></font></font></p><font face=3D"lato, helvetica =
neue, helvetica, arial, sans-serif" style=3D"line-height: 19pt;"><font styl=
e=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0, =
0); line-height: 19pt;"><font style=3D"line-height: 19pt;"><span style=3D"f=
ont-size: 10pt; font-family: Arial, Helvetica; background-color: transparen=
t; line-height: 19pt;"></span></font></font></font></font><p style=3D"margi=
n: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;l=
ine-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><=
p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif;=
 color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;pad=
ding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, arial, sans-s=
erif" style=3D"font-size: 10pt; line-height: 19pt;"><font style=3D"line-hei=
ght: 19pt;"><span style=3D"color: rgb(51, 51, 51); line-height: 19pt;"></sp=
an><font color=3D"#333333" style=3D"line-height: 19pt;"><span style=3D"line=
-height: 19pt;"></span><span style=3D"line-height: 19pt;"></span></font><sp=
an style=3D"color: rgb(51, 51, 51); line-height: 19pt;"><span style=3D"line=
-height: 19pt;"></span></span><span style=3D"color: rgb(51, 51, 51); line-h=
eight: 19pt;"> </span> </font></font><p style=3D"font-family:Arial,verdana;=
font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt;"></p=
></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698435033889" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1698435033889" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:7px;pa=
dding-right:45px;padding-left:40px;">
             =09    =09=09<div componentlineheight=3D"19pt" componentpaddin=
gbottom=3D"7px" componentpaddingleft=3D"40px" componentpaddingright=3D"45px=
" componentpaddingtop=3D"0px" style=3D"line-height: 19pt;"><p align=3D"left=
" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 19pt;"><font f=
ace=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"font-si=
ze: 10pt; line-height: 19pt;"><font style=3D"line-height: 19pt;"><span styl=
e=3D"line-height: 19pt;"></span><span style=3D"line-height: 19pt;"></span><=
span style=3D"line-height: 19pt;"></span><span style=3D"line-height: 19pt;"=
></span><span style=3D"line-height: 19pt;"></span></font></font></p><p styl=
e=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;text-align: left; line-height: 19pt;"><font face=3D=
"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: =
19pt;"><font style=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"=
color: rgb(0, 0, 0); line-height: 19pt;"></font></font></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 19pt;"><font face=3D"=
lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 1=
9pt;"><font style=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"c=
olor: rgb(0, 0, 0); line-height: 19pt;"><font style=3D"line-height: 19pt;">=
<span style=3D"font-family: Arial, Helvetica; background-color: transparent=
; line-height: 19pt;"><font style=3D"font-size: 10pt;"></font></span></font=
></font></font></font></p><p style=3D"font-family:Arial,verdana;font-size:1=
2px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: lef=
t;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=
=3D"line-height: 19pt;"><font style=3D"line-height: 19pt;"><font color=3D"#=
000000" style=3D"color: rgb(0, 0, 0); line-height: 19pt;"><font style=3D"li=
ne-height: 19pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0);"></font></font></font></font></font></p><p style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 19pt; text-align: left;"><font face=3D"lato, helvetica =
neue, helvetica, arial, sans-serif" style=3D"line-height: 19pt;"><font styl=
e=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0, =
0); line-height: 19pt;"><font style=3D"line-height: 19pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-=
size: 10pt;">Companies that offer group insurance to full-time employees ca=
nnot pick and choose which employees will be covered by the policy. If one =
employee in a group is covered, then all employees must receive the same le=
vel of coverage. However, employees can opt out of one or more group polici=
es if they choose to do so. The main reason for opting out of coverage woul=
d be financial, as some companies only pay part of the cost of the coverage=
. This means that employees have to pay for a portion of their insurance co=
sts. The money for this is typically deducted from one's paycheck.</font></=
font></font></font></font></font></p><p style=3D"margin: 0;padding: 0px;fon=
t-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-f=
amily:Arial,verdana;font-size:12px;padding:0px;"></p><font face=3D"lato, he=
lvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 19pt;"><f=
ont style=3D"line-height: 19pt;"><font color=3D"#000000" style=3D"color: rg=
b(0, 0, 0); line-height: 19pt;"><font style=3D"line-height: 19pt;"><span st=
yle=3D"font-size: 10pt; font-family: Arial, Helvetica; background-color: tr=
ansparent; line-height: 19pt;"></span></font></font></font></font><p style=
=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:=
#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0p=
x;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sa=
ns-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size=
:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, aria=
l, sans-serif" style=3D"font-size: 10pt; line-height: 19pt;"><font style=3D=
"line-height: 19pt;"><span style=3D"color: rgb(51, 51, 51); line-height: 19=
pt;"></span><font color=3D"#333333" style=3D"line-height: 19pt;"><span styl=
e=3D"line-height: 19pt;"></span><span style=3D"line-height: 19pt;"></span><=
/font><span style=3D"color: rgb(51, 51, 51); line-height: 19pt;"><span styl=
e=3D"line-height: 19pt;"></span></span><span style=3D"color: rgb(51, 51, 51=
); line-height: 19pt;"> </span> </font></font><p style=3D"font-family:Arial=
,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 1=
9pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1684537179951" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1684537179951" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:5px;pa=
dding-right:45px;padding-left:40px;">
             =09    =09=09<div componentpaddingbottom=3D"5px" componentpadd=
ingleft=3D"40px" componentpaddingright=3D"45px" componentpaddingtop=3D"0px"=
 style><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;">=
<font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><fo=
nt style><b style><font style><font style=3D"font-size: 12pt;"><span></span=
><span></span></font></font></b></font></font></p><p style=3D"font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-heigh=
t: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helvetica, =
arial, sans-serif" style><font style><b style><font style><font color=3D"#0=
00000" style=3D"color: rgb(0, 0, 0);"></font></font></b></font></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 19pt; text-align: left;"><font face=3D"lato, hel=
vetica neue, helvetica, arial, sans-serif" style><font style><b style><font=
 style><font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"></fon=
t></font></font></b></font></font></p><p style=3D"font-family:Arial,verdana=
;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; tex=
t-align: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-=
serif" style><font style><b style><font style><font color=3D"#000000" style=
=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color: rgb(0, 0, 0); font-size: 13pt;">How Group Insurance =
Benefits Employers</font></font></font></font></b></font></font></p><p styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0=
px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, ari=
al, sans-serif" style><font style><b style><font style><span style=3D"font-=
size: 12pt;"></span><span style=3D"font-size: 12pt;"></span></font><span st=
yle=3D"font-size: 16pt;"></span><span style=3D"font-size: 16pt;"></span> </=
b></font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helve=
tica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px;padding:0px;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1684537235560" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1684537235560" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:15px;p=
adding-right:45px;padding-left:40px;">
             =09    =09=09<div componentpaddingbottom=3D"15px" componentpad=
dingleft=3D"40px" componentpaddingright=3D"45px" componentpaddingtop=3D"0px=
" style><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12px=
; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"=
><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D=
"font-size: 10pt;"><font style><span></span><span></span><span></span><span=
></span><span></span><span></span></font></font></p><p style=3D"font-family=
:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-hei=
ght: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helvetica=
, arial, sans-serif" style><font style><font color=3D"#000000" style=3D"col=
or: rgb(0, 0, 0);"></font></font></font></p><p style=3D"font-family:Arial,v=
erdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19p=
t; text-align: left;"><font face=3D"lato, helvetica neue, helvetica, arial,=
 sans-serif" style><font style><font color=3D"#000000" style=3D"color: rgb(=
0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color=
: rgb(0, 0, 0);"></font></font></font></font></p><p style=3D"font-family:Ar=
ial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height=
: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, helvetica, a=
rial, sans-serif" style><font style><font color=3D"#000000" style=3D"color:=
 rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); font-size: 10pt;">Group insurance covers employe=
es but employers also benefit from it. Providing group insurance boosts mor=
ale and helps a business retain valuable employees. It is especially import=
ant for companies with specialized workers who have valuable, sought-after =
skills. However, as the ongoing worker shortage has revealed, any company c=
an benefit by keeping employees happy and on the job. The cost of replacing=
 an employee is about 20% of an employee's salary for mid-range jobs, and t=
his cost doesn't include loss of consumer trust and business while a new em=
ployee is learning the ropes.</font></font></font></font></font></p><p styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0=
px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, ari=
al, sans-serif" style=3D"font-size: 10pt;"><font style><span style=3D"color=
: rgb(51, 51, 51);"></span><font color=3D"#333333"><span></span><span></spa=
n><span></span></font><span style=3D"color: rgb(51, 51, 51);"><span></span>=
</span><span style=3D"color: rgb(51, 51, 51);"> </span> </font></font><p st=
yle=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; col=
or:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding=
:0px;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676401976393" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:none none none;border-bottom:none none none;padding-top:7px;paddin=
g-bottom:20px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676401976393=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:lato, 'he=
lvetica neue', helvetica, arial, sans-serif;font-weight:bold;text-align:cen=
ter;border-radius:26px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"https://bj=
agh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1d7e25ae479ed7bf" style=
=3D"border-radius:26px;height:40px;v-text-anchor:middle;width:320px;" arcsi=
ze=3D"26%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#0000=
00">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:lato, 'helvetica neue', helvetica, arial, sans-serif;font-size:11p=
t;font-weight:bold;">Click Here to Continue Reading</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://bjagh-zgph.mail=
list-manage.net/click/1d7e25ae47a01c40/1d7e25ae479ed7c1" style=3D"padding:0=
px 0px;background-color:#000000;width:320px;height:40px;font-size:11pt;dire=
ction:ltr;font-family:lato, 'helvetica neue', helvetica, arial, sans-serif;=
color:#ffffff;cursor:pointer;text-decoration:none;border-radius:26px;border=
:0px solid #ffffff;border-collapse:separate;display:table;mso-hide:all;text=
-align:center;" target=3D"_blank" zcurl_name=3D"l_4">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Click Here to Continue Reading
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676499786238" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_167=
6499786238" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
30px;padding-left:30px;">
=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47=
a01c40/1d7e25ae479ed7c3" style=3D"text-decoration:underline;border:0px;" ta=
rget=3D"_blank" zcurl_name=3D"l_5">
=09=09=09<img align=3D"left" alt=3D"https://zohopublic.com/zohocampaigns/97=
2256000003578237_zc_v40_1676503502168_gmis_contractor_bonds_lan.jpg" class=
=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stratus=
.campaign-image.com/images/972256000014735139_6_1698435173732_announ.png" s=
tyle=3D"width:540px;height:autopx;max-width:540px !important;border:0px;tex=
t-align:left;" vspace=3D"0" width=3D"540">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676484144504" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">




















=09                <div class=3D"zpelement-wrapper wdgts" id=3D"elm_1676484=
144504" style=3D"overflow:hidden;word-wrap:break-word;">
=09=09=09=09=09=09<table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso=
-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-tabl=
e-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-ms-=
text-size-adjust: 100%;-webkit-text-size-adjust: 100%;  background-color:#f=
fffff;" width=3D"100%">
=09=09=09=09=09=09=09<tbody><tr><td style=3D"border-collapse:collapse; mso-=
table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-rspace=
:0pt;padding:7px 15px;border:0px;font-size:5px;border-top:0px none #ffffff;=
border-bottom:0px none #ffffff;padding-top:20px;padding-bottom:20px;padding=
-right:15px;padding-left:15px;">
=09=09=09=09=09=09=09=09<table align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" componentpaddingbottom=3D"20px" componentpaddingleft=
=3D"15px" componentpaddingright=3D"15px" componentpaddingtop=3D"20px" style=
=3D"border-collapse:collapse;border-collapse:collapse; mso-table-lspace:0pt=
; mso-table-rspace:0pt;font-size:12px;min-width: 100%;border: none;" width=
=3D"100%"><tbody><tr><td align=3D"center" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-s=
erif; mso-table-rspace:0pt;font-size:12px;border: none;padding: 0px;margin:=
 0px;" valign=3D"top"> <table align=3D"center" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" componentbgcolor=3D"#ffffff" componentborder=3D"#fffff=
f" componentbottombordersize=3D"0px" componentbottomborderstyle=3D"none" co=
mponenttopbordersize=3D"0px" componenttopborderstyle=3D"none" icontext=3D"t=
rue" index=3D"5" name=3D"zcsclwdgts_alnmnt" style=3D" mso-table-lspace:0pt;=
 mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none=
;margin:auto;"><tbody><tr><td align=3D"left" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border: none;padding: 0px;marg=
in: 0px;" valign=3D"top"> <table align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" name=3D"zcsclwdgtscontainer" style=3D"border-colla=
pse:collapse;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;font-size:12px;border: none;"><tbody><tr><td align=3D"left" style=3D=
"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family=
:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:n=
one;padding:0px;margin:0px;" valign=3D"top"><table align=3D"left" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso=
-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none;"><=
tbody><tr><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; font=
-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;f=
ont-size:12px;padding-right: 9px;padding-bottom: 9px;border:none;padding: 0=
px;margin: 0px;" valign=3D"top"> <table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-siz=
e:12px;border-collapse: separate;border: none;"><tbody><tr><td align=3D"lef=
t" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;=
font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12=
px;padding:7px;padding-top: 0px;padding-right: 9px;padding-bottom: 0px;padd=
ing-left: 9px;border:none;" valign=3D"middle"> <table align=3D"left" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; =
mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none;=
" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" style=3D"bord=
er-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Aria=
l, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border: none;=
padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle"> <a href=
=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1d7e25ae4=
79ed7c5" style=3D"text-decoration:underline;display: block;font-size: 1px;"=
 target=3D"_blank" zcurl_name=3D"l_6"><img alt=3D"Like Our Facebook Page" h=
eight=3D"35" src=3D"https://stratus.campaign-image.com/images/9722560000147=
35139_3_1698435173449_zcsclwgtfb5.png" style=3D"border: 0px; margin: 0px; o=
utline: none; text-decoration: none; width: 30px; height: 30px;" vspace=3D"=
10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=3D"sclwdgtcap=
tns" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12p=
x;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:=
12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"><a href=3D"ht=
tps://bjagh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1d7e25ae479ed7c=
7" style=3D"display: block;font-size: 1px;font-weight: normal;line-height: =
normal;text-align: center;text-decoration: none;" target=3D"_blank" zcurl_n=
ame=3D"l_7"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:Arial,ve=
rdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: norm=
al; font-family: Arial, Helvetica, sans-serif; color: rgb(254, 80, 0); font=
-size: 8pt;">Like Our Facebook Page</p></a> </td></tr></tbody></table></td>=
</tr></tbody></table></td></tr></tbody></table></td><td align=3D"left" styl=
e=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fa=
mily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;bord=
er:none;padding:0px;margin:0px;" valign=3D"top"><table align=3D"left" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt;=
 mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: none=
;"><tbody><tr><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;padding-right: 9px;padding-bottom: 9px;border:none;paddin=
g: 0px;margin: 0px;" valign=3D"top"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font=
-size:12px;border-collapse: separate;border: none;"><tbody><tr><td align=3D=
"left" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:1=
2px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-siz=
e:12px;padding:7px;padding-top: 0px;padding-right: 9px;padding-bottom: 0px;=
padding-left: 9px;border:none;" valign=3D"middle"> <table align=3D"left" bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0=
pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border: n=
one;" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" style=3D"=
border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:=
Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border: n=
one;padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle"> <a hr=
ef=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1d7e25a=
e479ed7c9" style=3D"text-decoration:underline;display: block;font-size: 1px=
;" target=3D"_blank" zcurl_name=3D"l_8"><img alt=3D"Follow us on LinkedIn" =
height=3D"35" src=3D"https://stratus.campaign-image.com/images/972256000014=
735139_4_1698435173501_zcsclwgtlin5.png" style=3D"border: 0px; margin: 0px;=
 outline: none; text-decoration: none; width: 30px; height: 30px;" vspace=
=3D"10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=3D"sclwdg=
tcaptns" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size=
:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-s=
ize:12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"><a href=
=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1d7e25ae4=
79ed7cb" style=3D"display: block;font-size: 1px;font-weight: normal;line-he=
ight: normal;text-align: center;text-decoration: none;" target=3D"_blank" z=
curl_name=3D"l_9"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:Ar=
ial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height=
: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(254, 80, 0)=
; font-size: 8pt;">Follow us on LinkedIn</p></a> </td></tr></tbody></table>=
</td></tr></tbody></table></td></tr></tbody></table></td><td align=3D"left"=
 style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;fo=
nt-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px=
;border:none;padding:0px;margin:0px;" valign=3D"top"><table align=3D"left" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace=
:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;border:=
 none;"><tbody><tr><td style=3D"border-collapse:collapse; mso-table-lspace:=
0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rsp=
ace:0pt;font-size:12px;padding-right: 9px;padding-bottom: 9px;border:none;p=
adding: 0px;margin: 0px;" valign=3D"top"> <table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0=
pt;font-size:12px;border-collapse: separate;border: none;"><tbody><tr><td a=
lign=3D"left" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font=
-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;f=
ont-size:12px;padding:7px;padding-top: 0px;padding-right: 9px;padding-botto=
m: 0px;padding-left: 9px;border:none;" valign=3D"middle"> <table align=3D"l=
eft" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-l=
space:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;bo=
rder: none;" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" st=
yle=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-=
family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;bo=
rder: none;padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle"=
> <a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/=
1d7e25ae479ed7cd" style=3D"text-decoration:underline;display: block;font-si=
ze: 1px;" target=3D"_blank" zcurl_name=3D"l_10"><img alt=3D"Follow us on In=
stagram" height=3D"35" src=3D"https://stratus.campaign-image.com/images/972=
256000014735139_5_1698435173652_zcsclwgtinsta5.png" style=3D"border: 0px; m=
argin: 0px; outline: none; text-decoration: none; width: 30px; height: 30px=
;" vspace=3D"10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=
=3D"sclwdgtcaptns" style=3D"border-collapse:collapse; mso-table-lspace:0pt;=
 font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:=
0pt;font-size:12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"=
><a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1=
d7e25ae479ed7cf" style=3D"display: block;font-size: 1px;font-weight: normal=
;line-height: normal;text-align: center;text-decoration: none;" target=3D"_=
blank" zcurl_name=3D"l_11"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-=
family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;li=
ne-height: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(25=
4, 80, 0); font-size: 8pt;">Follow us on Instagram</p></a> </td></tr></tbod=
y></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></t=
body></table></td></tr></tbody></table></td></tr></tbody></table>=09
=09=09=09=09=09=09=09</td></tr>
=09=09=09            </tbody></table>=09
=09=09            </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676501558849" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09<div class=3D"zpelement-wrapper zpcol-layout" id=3D"elm_1676501558849" s=
tyle=3D"word-wrap:break-word;padding-bottom:0 !important;overflow:hidden;pa=
dding:0px;margin:0px;">
=09<div class=3D"zpcolumns" elm_wid_start=3D"600" style=3D"padding:0px;marg=
in:0px;">
=09    =09 <table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"=
0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;bord=
er:0px;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-tabl=
e-rspace:0pt;width:100%;background-color:transparent;" width=3D"100%">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none;border-bottom:none none none;" valign=3D"top">
            =09<!--[if (gte mso 9)|(IE)]>
=09                <table cellpadding=3D"0" cellspacing=3D"0" style=3D" mso=
-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0=
px;border-collapse:collapse; mso-table-lspace:0pt;width:100%; mso-table-rsp=
ace:0pt;" width=3D"100%">
=09=09=09=09    <tbody><tr>
=09            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 65.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:390.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1676501558845" style=3D"padding:0px;">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676502100608"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:10px 7px 10px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 93%; margin: auto; border-collapse: initial;" width=3D"93%=
"> <tbody><tr><td align=3D"center" border-size=3D"1px" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fam=
ily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;borde=
r:0px;padding:7px;border-bottom: none rgb(220, 220, 220); border-left: none=
 rgb(220, 220, 220); border-right: none rgb(220, 220, 220); font-size: 0px;=
 margin: 0px; padding: 0px; width: 100%; border-top: 1px solid rgb(220, 220=
, 220);" width=3D"100%"> &nbsp; &nbsp; &nbsp; </td> </tr></tbody></table></=
div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>

          <div class=3D"zpelement-wrapper" id=3D"elm_1676501558846" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:7px;pa=
dding-right:5px;padding-left:25px;">
             =09    =09=09<div componentpaddingbottom=3D"7px" componentpadd=
ingleft=3D"25px" componentpaddingright=3D"5px" componentpaddingtop=3D"0px" =
style><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;p=
adding:0px;margin: 0;line-height: 25pt; text-align: left; word-break: norma=
l; overflow-wrap: normal;"><font face=3D"Arial, Helvetica" style></font></p=
><h2 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-ser=
if; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verda=
na,Helvetica, sans-serif; color:#000000;font-size: 26px;"><font face=3D"Ari=
al, Helvetica" style><font color=3D"#fe5000" style=3D"font-size: 15pt;"><b =
style>ABOUT GMIS</b></font></font></h2><font face=3D"Arial, Helvetica" styl=
e><span style=3D"color: rgb(51, 51, 51);"><font style=3D"font-size: 10pt;">=
<b>Grand Mutual Insurance Services (GMIS)</b> is a full-service insurance a=
gency that offers comprehensive personal and commercial coverage for indivi=
duals and companies of all sizes. Insurance solutions are customized to mee=
t the needs of our diverse client base, enabling them to protect their asse=
ts.&nbsp;Our goal is to find you the absolute best insurance options at hig=
hly competitive prices, while maintaining the level of personalized service=
 our clients expect and deserve.</font></span></font><p style=3D"line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;word-break: normal; overflow-wrap: normal;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 35.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:210.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1676501558847" style=3D"padding:0px;">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676502175363"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:10px 7px 10px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 93%; margin: auto; border-collapse: initial;" width=3D"93%=
"> <tbody><tr><td align=3D"center" border-size=3D"1px" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fam=
ily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;borde=
r:0px;padding:7px;border-bottom: none rgb(220, 220, 220); border-left: none=
 rgb(220, 220, 220); border-right: none rgb(220, 220, 220); font-size: 0px;=
 margin: 0px; padding: 0px; width: 100%; border-top: 1px solid rgb(220, 220=
, 220);" width=3D"100%"> &nbsp; &nbsp; &nbsp; </td> </tr></tbody></table></=
div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:15px;p=
adding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676403325588=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"https://bj=
agh-zgph.maillist-manage.net/click/1d7e25ae47a01c40/1d7e25ae479ed7bd" style=
=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168px;" arcsiz=
e=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#000000=
">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Visit Our Website</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://bjagh-zgph.mail=
list-manage.net/click/1d7e25ae47a01c40/1d7e25ae479ed7d1" style=3D"padding:0=
px 0px;background-color:#000000;width:168px;height:40px;font-size:11pt;dire=
ction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:no=
ne;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;disp=
lay:table;mso-hide:all;text-align:center;" target=3D"_blank" zcurl_name=3D"=
l_12">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Visit Our Website
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:7px;pa=
dding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676403668481=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"mailto:inf=
o@grandmutual.com?subject=3DGMIS%20-%20November%20Newsletter" style=3D"bord=
er-radius:0px;height:40px;v-text-anchor:middle;width:168px;" arcsize=3D"0%"=
 strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#000000">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Email Us</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"mailto:info@grandmutual=
.com?subject=3DGMIS%20-%20November%20Newsletter" style=3D"padding:0px 0px;b=
ackground-color:#000000;width:168px;height:40px;font-size:11pt;direction:lt=
r;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:none;borde=
r-radius:0px;border:0px solid #ffffff;border-collapse:separate;display:tabl=
e;mso-hide:all;text-align:center;" target=3D"_blank">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Email Us
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:7px;pa=
dding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676501645656=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"tel:888732=
5994" style=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168=
px;" arcsize=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=
=3D"#000000">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Give us a Call</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"tel:8887325994" style=
=3D"padding:0px 0px;background-color:#000000;width:168px;height:40px;font-s=
ize:11pt;direction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-=
decoration:none;border-radius:0px;border:0px solid #ffffff;border-collapse:=
separate;display:table;mso-hide:all;text-align:center;" target=3D"_blank" z=
curl_name=3D"l_14">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Give us a Call
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                      </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676489591082" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676489591082"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:1px 7px 10px 7px;border-collapse:colla=
pse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 87%; margin: auto;" width=3D"87%"> <tbody><tr><td align=3D=
"center" border-size=3D"1px" height=3D"0" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;border:0px;padding:7px;font-size: 0px; margin: 0px; padding: 0px=
; width: 100%; border: 0px solid;" width=3D"100%">       </td> </tr></tbody=
></table></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676484255432" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676484255432"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:1px 7px 10px 7px;border-collapse:colla=
pse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 87%; margin: auto;" width=3D"87%"> <tbody><tr><td align=3D=
"center" border-size=3D"1px" height=3D"0" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;border:0px;padding:7px;font-size: 0px; margin: 0px; padding: 0px=
; width: 100%; border: 0px solid;" width=3D"100%">       </td> </tr></tbody=
></table></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1681244655230" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09<div class=3D"zpelement-wrapper zpcol-layout" id=3D"elm_1681244655230" s=
tyle=3D"word-wrap:break-word;padding-bottom:0 !important;overflow:hidden;pa=
dding:0px;margin:0px;">
=09<div class=3D"zpcolumns" elm_wid_start=3D"600" style=3D"padding:0px;marg=
in:0px;">
=09    =09 <table bgcolor=3D"#fe5000" cellpadding=3D"0" cellspacing=3D"0" s=
tyle=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0=
px;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rs=
pace:0pt;width:100%;background-color:#fe5000;" width=3D"100%">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none;border-bottom:none none none;" valign=3D"top">
            =09<!--[if (gte mso 9)|(IE)]>
=09                <table cellpadding=3D"0" cellspacing=3D"0" style=3D" mso=
-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0=
px;border-collapse:collapse; mso-table-lspace:0pt;width:100%; mso-table-rsp=
ace:0pt;" width=3D"100%">
=09=09=09=09    <tbody><tr>
=09            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 55.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:330.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1681244655223" style=3D"padding:0px;">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_168=
1244655228" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"center" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-=
rspace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px=
;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-=
break:break-word;width:100%;text-align:center;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:10px;padding-bottom:10px;padding-righ=
t:15px;padding-left:45px;">
=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae47=
a01c40/1d7e25ae479ed7d3" style=3D"text-decoration:underline;border:0px;" ta=
rget=3D"_blank" zcurl_name=3D"l_15">
=09=09=09<img align=3D"center" alt=3D"https://zohopublic.com/zohocampaigns/=
972256000004131715_1681245205740_peak_companies_horizontal.png" class=3D"zp=
Image" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stratus.campa=
ign-image.com/images/972256000014735139_2_1698435173389_horizontal.png" sty=
le=3D"width:270px;height:autopx;max-width:360px !important;border:0px;text-=
align:center;" vspace=3D"0" width=3D"270">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 24.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:144.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1681244655225" style=3D"padding:0px;">
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 21.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:126.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1681244655294" style=3D"padding:0px;">
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                      </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1614850013448" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1614850013448" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#fe5000;">
=09    =09<table bgcolor=3D"#fe5000" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-r=
space:0pt;font-size:12px;padding:0px;border:0px;border-collapse:collapse; m=
so-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;-ms-text-si=
ze-adjust: 100%;-webkit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:17pt;border-top=
:0px none #ffffff;   border-bottom:0px none #ffffff;padding-top:5px;padding=
-bottom:10px;padding-right:45px;padding-left:45px;">
             =09    =09=09<div componentbgcolor=3D"#fe5000" componentborder=
=3D"#ffffff" componentbottombordersize=3D"0px" componentbottomborderstyle=
=3D"none" componentlineheight=3D"17pt" componentpaddingbottom=3D"10px" comp=
onentpaddingleft=3D"45px" componentpaddingright=3D"45px" componentpaddingto=
p=3D"5px" componenttopbordersize=3D"0px" componenttopborderstyle=3D"none" s=
tyle=3D"background-color: rgb(254, 80, 0); line-height: 17pt;"><div><em sty=
le=3D"color: rgb(255, 247, 242);"></em></div><span style=3D"line-height: 17=
pt;"><font style=3D"font-size: 9pt;"><p style=3D"line-height:1.7;font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-al=
ign: left; line-height: 17pt;"><font color=3D"#ffffff" face=3D"Arial, Helve=
tica" style=3D"line-height: 17pt;"><em style>Copyright &copy; 2023 Grand Mu=
tual Insurance Services. All rights reserved.</em><br></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font face=3D"=
Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-height: =
17pt;"><font color=3D"#ffffff" style=3D"line-height: 17pt;"><em>CA Insuranc=
e Lic. #OH85372 / National Producer #16632746</em></font></font></font></p>=
<p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font =
color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color: rgb(51, 51, 51)=
; line-height: 17pt;"><font style=3D"line-height: 17pt;"><font style=3D"lin=
e-height: 17pt;"><em><br></em></font></font></font></p><p style=3D"line-hei=
ght:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;text-align: left; line-height: 17pt;"><font face=3D"Arial, Helve=
tica" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font=
 color=3D"#ffffff" style=3D"line-height: 17pt;"><b style>Our mailing addres=
s is:</b></font></font></font></p><p style=3D"line-height:1.7;font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align=
: left; line-height: 17pt;"><font face=3D"Arial, Helvetica" style=3D"line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#ffffff" st=
yle=3D"line-height: 17pt;">5900 Canoga Ave, Suite 220, Woodland Hills, CA 9=
1367</font></font></font></p><p style=3D"line-height:1.7;font-family:Arial,=
verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: lef=
t; line-height: 17pt;"><font color=3D"#333333" face=3D"Arial, Helvetica" st=
yle=3D"color: rgb(51, 51, 51); line-height: 17pt;"><font style=3D"line-heig=
ht: 17pt;"><font style=3D"line-height: 17pt;"><br></font></font></font></p>=
<p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><font =
face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style=3D"line-=
height: 17pt;"><font color=3D"#ffffff" style=3D"line-height: 17pt;">You are=
 receiving this email as a current or former client of Grand Mutual Insuran=
ce Services (GMIS), or other related interested party.</font></font></font>=
</p></font></span><font color=3D"#fff7f2" style=3D"line-height: 17pt;"></fo=
nt><div><em><font style=3D"line-height: 17pt;"><font style=3D"font-size: 8p=
t; line-height: 17pt;"><font color=3D"#ffffff" style=3D"line-height: 17pt;"=
></font></font></font></em></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
    </tbody></table>
</div>

=09=09=09=09=09</td>=20
=09=09=09=09=09</tr>=20
=09=09=09=09=09</tbody></table>
=09=09=09=09</td>=20
=09=09=09=09<td style=3D" mso-table-lspace:0pt; font-size:12px;font-family:=
Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0p=
x;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rsp=
ace:0pt;">&nbsp;</td>
=09=09=09</tr>=20
=09=09</tbody></table>=20
</div>
</center>=20

        <meta content=3D"width=3Ddevice-width" name=3D"viewport">
        <style>
            @media screen and (max-width: 480px)
            {
                table[class=3Dtmplfooter]{width:100% !important;max-width:1=
00% !important; text-align:left;}=20
                table[class=3Dtmplheader]{width:100% !important; max-width:=
100% !important; text-align:left;}=20
                div[class=3Dtxtsize]{text-align:left}=20
                td[class=3Dtxtsize]{text-align:left}
            }
            @media screen and (min-width: 320px) and (max-width: 480px) and=
 (orientation : portrait){
            {
                    table[class=3Dtmplfooter]{width:100% !important;max-wid=
th:100% !important; text-align:left;}=20
=09                table[class=3Dtmplheader]{width:100% !important; max-wid=
th:100% !important; text-align:left;}=20
=09                div[class=3Dtxtsize]{text-align:left}=20
=09                td[class=3Dtxtsize]{text-align:left}
             }
            @media screen and (max-width: 598px)
            {
                table[class=3Dtmplfooter]{width:100% !important;max-width:1=
00% !important; text-align:left;}=20
                table[class=3Dtmplheader]{width:100% !important; max-width:=
100% !important; text-align:left;}=20
                div[class=3Dtxtsize]{text-align:left}=20
                td[class=3Dtxtsize]{text-align:left}
            }
        </style>

<table cellpadding=3D"0" cellspacing=3D"0" style=3D"background-color:#f8f8f=
8;color:#000000;font-size:11px;border-color:#dcdcdc;border-width:1px;font-f=
amily:Arial;border-style:solid;" width=3D"100%"><tbody><tr><td align=3D"cen=
ter">
=09<table align=3D"center" cellpadding=3D"9" cellspacing=3D"0" class=3D"tmp=
lfooter" id=3D"F_INNER" style=3D"width:600px;text-align:center;color:inheri=
t;font-size:inherit;font-family:inherit;">
=09<tbody><tr><td align=3D"center">
=09=09<div class=3D"txtsize" style=3D"text-align:center;color:#000000;font-=
size:11px;font-family:Arial;">
=09=09
=09=09<div style=3D"color:#000000;font-size:11px;font-family:Arial;">This e=
mail was sent by <a href=3D"mailto:info@grandmutual.com" id=3D"FOOTERLINK" =
style=3D"color:#000000;font-size:11px;font-family:Arial;" target=3D"_blank"=
><span style>info@grandmutual.com</span></a> to <a href=3D"mailto:andrew@st=
erlingcal.com" id=3D"FOOTERLINK" style=3D"color:#000000;font-size:11px;font=
-family:Arial;" target=3D"_blank"><span style>andrew@sterlingcal.com</span>=
</a></div>
=09=09<div class=3D"txtsize" style=3D"padding-top:3px;text-align:center;col=
or:#000000;font-size:11px;font-family:Arial;">Want to change how you receiv=
e these emails? <a href=3D"https://bjagh-zgph.maillist-manage.net/ua/optout=
?od=3D3z15fd5604c3817555abb83f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=
=3D1d7e25ae47a01c40&sd=3D1d7e25ae47a0774d&n=3D11699e4bfb7a47e" id=3D"FOOTER=
LINK" rel=3D"nofollow" style=3D"color:#000000;font-size:11px;font-family:Ar=
ial;" target=3D"_blank"><span style>Unsubscribe</span></a> | <a href=3D"htt=
ps://bjagh-zgph.maillist-manage.net/ua/commpref?od=3D3z15fd5604c3817555abb8=
3f691d78640d3e2b67ec8e464635b5f5a20020c6a100&rd=3D1d7e25ae47a01c40&sd=3D1d7=
e25ae47a0774d&n=3D11699e4bfb7a47e" id=3D"FOOTERLINK" rel=3D"nofollow" style=
=3D"color:#000000;font-size:11px;font-family:Arial;" target=3D"_blank"><spa=
n id=3D"f11p">Update preferences</span></a>  </div>
=09=09<div style=3D"margin-top:5px;color:#000000;font-size:11px;font-family=
:Arial;"></div>=20
=09=09<div class=3D"txtsize" style=3D"padding-top:3px;text-align:center;col=
or:#f8f8f8;font-size:11px;font-family:Arial;">The Peak Companies | &copy; 2=
022</div>
=09=09<div class=3D"txtsize" style=3D"padding:3px;text-align:center;color:#=
f8f8f8;font-size:11px;font-family:Arial;"></div>=09=09
=09=09<div class=3D"txtsize" style=3D"margin-top:5px;text-align:center;">  =
 </div>
=09=09<div class=3D"txtsize" id=3D"FOOTERADDRESS" style=3D"padding:3px;padd=
ing-left:0px;text-align:center;color:#f8f8f8;font-size:11px;font-family:Ari=
al;"></div>
=09=09
=09=09</div>
=09</td></tr>
</tbody></table>
=09</td></tr>
</tbody></table>
   =20
<img style=3D'visibility:hidden' src=3D"https://bjagh-zgph.maillist-manage.=
net/click/1d7e25ae47a01c40/open.gif" alt=3D"" height=3D"1" width=3D"1"/><a =
style=3D'visibility:hidden' href=3D"https://bjagh-zgph.maillist-manage.net/=
click/1d7e25ae47a01c40/1d7e25ae479ed723" alt=3D"" height=3D"1" width=3D"1"/=
></body></html>
------=_Part_7040723_33378597.1699466443600--