Envelope-to: info@sterlingcal.com
Delivery-date: Tue, 05 Nov 2024 12:45:26 -0600
Message-ID: <1141980929128.1102124699710.1052990423.0.321342JL.2002@synd.ccsend.com>
Date: Tue, 5 Nov 2024 13:45:14 -0500 (EST)
From: Apartment News <newsletter@aptnewsinc.ccsend.com>
Reply-To: newsletter@aptnewsinc.com
To: info@sterlingcal.com
Subject: =?utf-8?Q?WEBINAR_ALERT:_How_to_Navigate_To?=
 =?utf-8?Q?day=E2=80=99s_California_Insurance_Crisis?=
MIME-Version: 1.0
Content-Type: multipart/alternative; 
	boundary="----=_Part_402953113_1914138757.1730832314873"

------=_Part_402953113_1914138757.1730832314873
Content-Type: text/plain; charset=utf-8
Content-Transfer-Encoding: quoted-printable

Email from Apartment News Publications LIVE @ 11 AM PDT Understand the stat=
e of today=E2=80=99s insurance market and get the information you need to o=
btain adequate coverage at a reasonable cost. Late last year, California In=
surance Commissioner Lara announced his =E2=80=9CSustainable Insurance Stra=
tegy,=E2=80=9D which would be the biggest overhaul of the state=E2=80=99s i=
nsurance policy in more than 30 years. Commissioner Lara has promised to ma=
ke his proposed changes effective by the end of 2024, though he acknowledge=
d it will take a while for those changes to stabilize the market. The strat=
egy aims to entice insurance companies to return to writing fully in Califo=
rnia once again by giving them several things they=E2=80=99ve wanted for ye=
ars. Proposed changes include faster rate approvals for which carriers have=
 complained it takes the Insurance Department more than a year to approve a=
nd, as a result, in recent years carriers have not been able to keep up wit=
h inflation and rising risks. Join us for this important webinar discussing=
 the state of the California insurance market, coverage options that exist,=
 and how much insurance coverage may cost you today and in the future. =EF=
=BB=BF WEBINAR DISCUSSION TOPICS INCLUDE: The current status of California =
habitational insurance and the what, why, and how on premiums, availability=
, and coverages. Tips on having an insurance policy, and how to be a =E2=80=
=9Cgood insured=E2=80=9D policy holder. Available insurance only through KE=
RN Insurance Associates. What to expect when you renew your policy=E2=80=A6=
insurance availability, increasing premiums and reduced coverages. Why are =
insurance rates increasing? Some problems: Reinsurance Rates, Claims, Calif=
ornia Department of Insurance What you can do to deal with today=E2=80=99s =
marketplace challenges=E2=80=A6Learn what you can do to act on what you can=
 control. Surplus lines and non-admitted carriers can save money, but do th=
ey carry risks? What about the California Fair Plan? The need for proper ri=
sk management, good support system, and knowledgeable insurance expertise. =
TUESDAY, NOVEMBER 5TH @ 11 AM PDT GUEST SPEAKER: Joe Naworski, Managing Par=
tner, Kern Insurance. Accomplished insurance professional with 30+ years of=
 experience in the industry. He has established himself as a trusted adviso=
r for clients seeking expert guidance on insurance policies, underwriting, =
and risk management. His experience has been vital to his success as the Ma=
naging Partner at Kern Insurance Associates, a PCF partner. For more inform=
ation, call Mr. Naworski at (844) 444-5376 or go to www.Kern.com. Presented=
 by: Title Sponsor: =E2=80=8A CONTACT US TO LEARN MORE ABOUT SPONSORSHIP OP=
PORTUNITIES! Apartment News Publications | 1973 Foothill Pkwy Suite #404 | =
Corona, CA 92881 US Unsubscribe | Update Profile | Constant Contact Data No=
tice
------=_Part_402953113_1914138757.1730832314873
Content-Type: text/html; charset=utf-8
Content-Transfer-Encoding: quoted-printable

<!DOCTYPE HTML>
<html lang=3D"en-US"> <head> <title>Email from Apartment News Publications<=
/title> <meta http-equiv=3D"Content-Type" content=3D"text/html; charset=3Du=
tf-8"> <meta name=3D"viewport" content=3D"width=3Ddevice-width, initial-sca=
le=3D1, maximum-scale=3D1">   <style type=3D"text/css" data-premailer=3D"ig=
nore">=20
@media only screen and (max-width:480px) { .footer-main-width { width: 100%=
 !important; }  .footer-mobile-hidden { display: none !important; }  .foote=
r-mobile-hidden { display: none !important; }  .footer-column { display: bl=
ock !important; }  .footer-mobile-stack { display: block !important; }  .fo=
oter-mobile-stack-padding { padding-top: 3px; } }=20
/* IE: correctly scale images with w/h attbs */ img { -ms-interpolation-mod=
e: bicubic; }=20
.layout { min-width: 100%; }=20
table { table-layout: fixed; } .shell_outer-row { table-layout: auto; }=20
/* Gmail/Web viewport fix */ u + .body .shell_outer-row { width: 640px; }=
=20
/* LIST AND p STYLE OVERRIDES */ .text .text_content-cell p { margin: 0; pa=
dding: 0; margin-bottom: 0; } .text .text_content-cell ul, .text .text_cont=
ent-cell ol { padding: 0; margin: 0 0 0 40px; } .text .text_content-cell li=
 { padding: 0; margin: 0; /* line-height: 1.2; Remove after testing */ } /*=
 Text Link Style Reset */ a { text-decoration: underline; } /* iOS: Autolin=
k styles inherited */ a[x-apple-data-detectors] { text-decoration: underlin=
e !important; font-size: inherit !important; font-family: inherit !importan=
t; font-weight: inherit !important; line-height: inherit !important; color:=
 inherit !important; } /* FF/Chrome: Smooth font rendering */ .text .text_c=
ontent-cell { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing:=
 grayscale; }
</style> <!--[if gte mso 9]> <style id=3D"ol-styles">=20
/* OUTLOOK-SPECIFIC STYLES */ li { text-indent: -1em; padding: 0; margin: 0=
; /* line-height: 1.2; Remove after testing */ } ul, ol { padding: 0 0 0 40=
px; } p { margin: 0; padding: 0; margin-bottom: 0; }=20
</style> <![endif]-->  <style>@media only screen and (max-width:480px) {
.button_content-cell {
padding-top: 10px !important; padding-right: 20px !important; padding-botto=
m: 10px !important; padding-left: 20px !important;
}
.button_border-row .button_content-cell {
padding-top: 10px !important; padding-right: 20px !important; padding-botto=
m: 10px !important; padding-left: 20px !important;
}
.column .content-padding-horizontal {
padding-left: 20px !important; padding-right: 20px !important;
}
.layout .column .content-padding-horizontal .content-padding-horizontal {
padding-left: 0px !important; padding-right: 0px !important;
}
.layout .column .content-padding-horizontal .block-wrapper_border-row .cont=
ent-padding-horizontal {
padding-left: 20px !important; padding-right: 20px !important;
}
.dataTable {
overflow: auto !important;
}
.dataTable .dataTable_content {
width: auto !important;
}
.icons_container {
text-align: center !important;
}
.image--mobile-scale .image_container img {
width: auto !important;
}
.image--mobile-center .image_container img {
margin-left: auto !important; margin-right: auto !important;
}
.image.image--float-left {
float: none !important;
}
.image.image--float-right {
float: none !important;
}
.layout-margin .layout-margin_cell {
padding: 0px 20px !important;
}
.layout-margin--uniform .layout-margin_cell {
padding: 20px 20px !important;
}
.scale {
width: 100% !important;
}
.stack {
display: block !important; box-sizing: border-box;
}
.hide {
display: none !important;
}
u + .body .shell_outer-row {
width: 100% !important;
}
.socialFollow_container {
text-align: center !important;
}
.text .text_content-cell {
font-size: 16px !important;
}
.text .text_content-cell h1 {
font-size: 24px !important;
}
.text .text_content-cell h2 {
font-size: 20px !important;
}
.text .text_content-cell h3 {
font-size: 20px !important;
}
.text--sectionHeading .text_content-cell {
font-size: 24px !important;
}
.text--heading .text_content-cell {
font-size: 24px !important;
}
.text--feature .text_content-cell h2 {
font-size: 20px !important;
}
.text--articleHeading .text_content-cell {
font-size: 20px !important;
}
.text--article .text_content-cell h3 {
font-size: 20px !important;
}
.text--featureHeading .text_content-cell {
font-size: 20px !important;
}
.text--feature .text_content-cell h3 {
font-size: 20px !important;
}
.text--dataTable .text_content-cell .dataTable .dataTable_content-cell {
font-size: 12px !important;
}
.text--dataTable .text_content-cell .dataTable th.dataTable_content-cell {
font-size: px !important;
}
}
</style>
</head> <body class=3D"body template template--en-US" data-template-version=
=3D"1.45.12" data-canonical-name=3D"CPE-PT15414" lang=3D"en-US" align=3D"ce=
nter" style=3D"-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; =
min-width: 100%; width: 100%; margin: 0px; padding: 0px;"> <div id=3D"prehe=
ader" style=3D"color: transparent; display: none; font-size: 1px; line-heig=
ht: 1px; max-height: 0px; max-width: 0px; opacity: 0; overflow: hidden;"><s=
pan data-entity-ref=3D"preheader">LIVE @ 11 AM PDT</span></div> <div id=3D"=
tracking-image" style=3D"color: transparent; display: none; font-size: 1px;=
 line-height: 1px; max-height: 0px; max-width: 0px; opacity: 0; overflow: h=
idden;"><img src=3D"https://5bua7ncab.cc.rs6.net/on.jsp?ca=3D32fa8d80-9c39-=
4ddd-aafe-a8e1329046fb&a=3D1102124699710&c=3Dad4646c0-18fc-11e9-9495-d4ae52=
a4597c&ch=3Dad937c60-18fc-11e9-9499-d4ae52a4597c" / alt=3D""></div> <div cl=
ass=3D"shell" lang=3D"en-US" dir=3D"ltr" style=3D"background-color: #E6E6E6=
;">  <!--[if gte mso 9]> <v:background xmlns:v=3D"urn:schemas-microsoft-com=
:vml" fill=3D"t"> <v:fill type=3D"tile" src=3D"https://imgssl.constantconta=
ct.com/letters/images/backgrounds/citygrid.png" color=3D"#E6E6E6"/> </v:bac=
kground> <![endif]-->  <table class=3D"shell_panel-row" width=3D"100%" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"background-image: url=
('https://imgssl.constantcontact.com/letters/images/backgrounds/citygrid.pn=
g');" background=3D"https://imgssl.constantcontact.com/letters/images/backg=
rounds/citygrid.png"> <tr class=3D""> <td class=3D"shell_panel-cell" style=
=3D"" align=3D"center" valign=3D"top"> <table class=3D"shell_width-row scal=
e" style=3D"width: 640px;" align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"> <tr> <td class=3D"shell_width-cell" style=3D"padding: 15=
px 10px;" align=3D"center" valign=3D"top"> <table class=3D"shell_content-ro=
w" width=3D"100%" align=3D"center" border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0"> <tr> <td class=3D"shell_content-cell" style=3D"border-radius: 0px=
; background-color: #ffffff; padding: 0; border: 0px solid #cd4259;" align=
=3D"center" valign=3D"top" bgcolor=3D"#ffffff"> <table class=3D"layout layo=
ut--1-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale=
 stack" style=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"image image--padding-vertical image--mobile-scale image--mo=
bile-center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
"> <tr> <td class=3D"image_container" align=3D"center" valign=3D"top" style=
=3D"padding-top: 10px; padding-bottom: 10px;"> <a href=3D"https://5bua7ncab=
.cc.rs6.net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgR=
gJrfqGbObrTAGG5mzn-sE8d2mBTmXizeowSjENRjf2a7p6gmsf6Nb6Im7Ofs_01xN0zX-Y1uycO=
ee-Ec-ghsbk8WhNTVY8pYKMnO7xsZw-c6Hs1gd9EIOEJCCQ=3D&c=3DfrJWH1bTCVt3IEUYB-mo=
CTn9f4fAGYjYoOc2nxpCBR7nhcyPMVQTYg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2Lu=
U1vi-5G8_eiDf9cU88gpP4-Gw=3D=3D" data-trackable=3D"true"><img data-image-co=
ntent class=3D"image_content" style=3D"display: block; height: auto; max-wi=
dth: 100%;" width=3D"618" src=3D"https://files.constantcontact.com/e3050cb9=
001/5c953678-84b1-4ce4-9b28-d899de3e030b.png?rdr=3Dtrue" alt=3D""></a> </td=
> </tr> </table> </td> </tr> </table> <table class=3D"layout layout--1-colu=
mn" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stack" s=
tyle=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"image image--mobile-scale image--mobile-center" width=3D"10=
0%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"ima=
ge_container" align=3D"center" valign=3D"top"> <a href=3D"https://5bua7ncab=
.cc.rs6.net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgR=
gJrfiHReKa-7WCJj7DnnXeNEp3YhfhQJz5RNFBcSwADJbeFNqaQVinYV0R44aDJvTVohVXRFZry=
0k6VNv1SjrBxGVBbaPRYdpLiCps5M288jKbjkEmx2aJeIwc=3D&c=3DfrJWH1bTCVt3IEUYB-mo=
CTn9f4fAGYjYoOc2nxpCBR7nhcyPMVQTYg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2Lu=
U1vi-5G8_eiDf9cU88gpP4-Gw=3D=3D" data-trackable=3D"true"><img data-image-co=
ntent class=3D"image_content" style=3D"display: block; height: auto; max-wi=
dth: 100%;" width=3D"640" src=3D"https://files.constantcontact.com/e3050cb9=
001/5dde1132-ae3e-422a-ab03-e5d933db65de.gif?rdr=3Dtrue" alt=3D""></a> </td=
> </tr> </table> </td> </tr> </table> <table class=3D"layout layout--1-colu=
mn" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stack" s=
tyle=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td =
class=3D"text_content-cell content-padding-horizontal" style=3D"text-align:=
 left; font-family: Arial,Verdana,Helvetica,sans-serif; color: #575757; fon=
t-size: 12px; line-height: 1.2; display: block; word-wrap: break-word; padd=
ing: 10px 20px;" align=3D"left" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"font-size: 16px; color: rgb(0, 0, 0)=
; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: bold; fo=
nt-style: italic;">Understand the state of today&#x2019;s insurance market =
and get the information you need to obtain adequate coverage at a reasonabl=
e cost.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 15px; color: rgb(0, 0, 0);">Late last year, California Insur=
ance Commissioner Lara announced his &#x201c;Sustainable Insurance Strategy=
,&#x201d; which would be the biggest overhaul of the state&#x2019;s insuran=
ce policy in more than 30 years. Commissioner Lara has promised to make his=
 proposed changes effective by the end of 2024, though he acknowledged it w=
ill take a while for those changes to stabilize the market. The strategy ai=
ms to entice insurance companies to return to writing fully in California o=
nce again by giving them several things they&#x2019;ve wanted for years. Pr=
oposed changes include faster rate approvals for which carriers have compla=
ined it takes the Insurance Department more than a year to approve and, as =
a result, in recent years carriers have not been able to keep up with infla=
tion and rising risks.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 15px; color: rgb(0, 0, 0);">Join us for this important webin=
ar discussing the state of the California insurance market, coverage option=
s that exist, and how much insurance coverage may cost you today and in the=
 future. </span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 13px; color: black; font-family: Arial, Verdana, Helvetica, =
sans-serif;">&#xfeff;</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"font-size: 16px; color: rgb(0, 0, 0); font-weight: bold;">WEBINAR DISCU=
SSION TOPICS INCLUDE:</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">The current status of California habitational insurance and the=
 what, why, and how on premiums, availability, and coverages.</span></li></=
ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Tips on having an insurance policy, and how to be a &#x201c;goo=
d insured&#x201d; policy holder.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Available insurance only through KERN Insurance Associates.</sp=
an></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">What to expect when you renew your policy&#x2026;insurance avai=
lability, increasing premiums and reduced coverages.</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Why are insurance rates increasing? Some problems: Reinsurance =
Rates, Claims, California Department of Insurance</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">What you can do to deal with today&#x2019;s marketplace challen=
ges&#x2026;Learn what you can do to act on what you can control.</span></li=
></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"color: rgb(0, 0, 0); font-size: 15px;"><span style=3D"font=
-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, s=
ans-serif;">Surplus lines and non-admitted carriers can save money, but do =
they carry risks? What about the California Fair Plan?</span></li></ul>
<p style=3D"margin: 0;"><br></p>
<ul><li style=3D"font-size: 15px; color: rgb(0, 0, 0); font-weight: normal;=
" class=3D"indent--1"><span style=3D"font-size: 15px; color: rgb(0, 0, 0); =
font-family: Arial, Verdana, Helvetica, sans-serif;">The need for proper ri=
sk management, good support system, and knowledgeable insurance expertise.<=
/span></li></ul>
</td> </tr> </table> </td> </tr> </table> <table class=3D"layout layout--1-=
column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpadd=
ing=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stack=
" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table class=3D"b=
utton button--padding-vertical" width=3D"100%" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td class=3D"butt=
on_container content-padding-horizontal" align=3D"center" style=3D"padding:=
 10px 20px;">    <table class=3D"button_content-row" style=3D"border-radius=
: 10px; background-color: #094f85; width: inherit; border-spacing: 0; borde=
r: none;" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#094f=
85"> <tr> <td class=3D"button_content-cell" style=3D"padding: 10px 40px;" a=
lign=3D"center"> <a class=3D"button_link" href=3D"https://5bua7ncab.cc.rs6.=
net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgRgJrfiHRe=
Ka-7WCJj7DnnXeNEp3YhfhQJz5RNFBcSwADJbeFNqaQVinYV0R44aDJvTVohVXRFZry0k6VNv1S=
jrBxGVBbaPRYdpLiCps5M288jKbjkEmx2aJeIwc=3D&c=3DfrJWH1bTCVt3IEUYB-moCTn9f4fA=
GYjYoOc2nxpCBR7nhcyPMVQTYg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2LuU1vi-5G8=
_eiDf9cU88gpP4-Gw=3D=3D" target=3D"_blank" data-trackable=3D"true" style=3D=
"font-size: 22px; font-weight: bold; color: #FFFFFF; font-family: Arial,Ver=
dana,Helvetica,sans-serif; word-wrap: break-word; text-decoration: none;">T=
UESDAY, NOVEMBER 5TH @ 11 AM PDT</a> </td> </tr> </table>    </td> </tr> </=
table>   <table class=3D"text text--padding-vertical" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> =
<tr> <td class=3D"text_content-cell content-padding-horizontal" style=3D"te=
xt-align: left; font-family: Arial,Verdana,Helvetica,sans-serif; color: #57=
5757; font-size: 12px; line-height: 1.2; display: block; word-wrap: break-w=
ord; padding: 10px 20px;" align=3D"left" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"font-size: 16px; color: rgb(35, 35, =
35); font-weight: bold; font-family: Arial, Verdana, Helvetica, sans-serif;=
">GUEST SPEAKER:&#xa0;</span><span style=3D"font-size: 17px; color: rgb(0, =
0, 0); font-weight: bold; font-style: italic;">Joe Naworski, Managing Partn=
er, Kern Insurance.</span></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><br></p>
<p style=3D"text-align: justify; margin: 0;" align=3D"justify"><span style=
=3D"color: rgb(0, 0, 0); font-size: 15px; font-style: italic;">Accomplished=
 insurance professional with 30+ years of experience in the industry. He ha=
s established himself as a trusted advisor for clients seeking expert guida=
nce on insurance policies, underwriting, and risk management. His experienc=
e has been vital to his success as the Managing Partner at Kern Insurance A=
ssociates, a PCF partner. For more information, call Mr. Naworski at (844) =
444-5376 or go to www.Kern.com.</span></p>
</td> </tr> </table> </td> </tr> </table> <table class=3D"layout layout--he=
ading layout--1-column" style=3D"table-layout: fixed;" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column colum=
n--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td =
class=3D"text_content-cell content-padding-horizontal" style=3D"text-align:=
 center; font-family: Arial,Verdana,Helvetica,sans-serif; color: #575757; f=
ont-size: 12px; line-height: 1.2; display: block; word-wrap: break-word; pa=
dding: 10px 20px;" align=3D"center" valign=3D"top"><h1 style=3D"font-family=
: Arial,Verdana,Helvetica,sans-serif; color: #717A80; font-size: 24px; font=
-weight: bold; margin: 0;"><span style=3D"font-style: italic; font-size: 20=
px; color: rgb(0, 0, 0);">Presented by:</span></h1></td> </tr> </table> </t=
d> </tr> </table> <table class=3D"layout layout--1-column" style=3D"table-l=
ayout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width: 100%;"=
 align=3D"center" valign=3D"top">
<table class=3D"image image--mobile-scale image--mobile-center" width=3D"10=
0%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"ima=
ge_container" align=3D"center" valign=3D"top"> <a href=3D"https://5bua7ncab=
.cc.rs6.net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgR=
gJrfjaTjl-u3NErfmKoPpoSUuHZUOojZjXGx3B5kcfXGIMAnUpmISC3G_NNPVZokDCpqtFHQvFE=
hBvd7DxCM7pP4Yw=3D&c=3DfrJWH1bTCVt3IEUYB-moCTn9f4fAGYjYoOc2nxpCBR7nhcyPMVQT=
Yg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2LuU1vi-5G8_eiDf9cU88gpP4-Gw=3D=3D"=
 data-trackable=3D"true"><img data-image-content class=3D"image_content" st=
yle=3D"display: block; height: auto; max-width: 100%;" width=3D"352" src=3D=
"https://files.constantcontact.com/e3050cb9001/6b3930e9-619d-47e4-9b37-51d8=
739b6817.png?rdr=3Dtrue" alt=3D""></a> </td> </tr> </table> </td> </tr> </t=
able> <table class=3D"layout layout--heading layout--1-column" style=3D"tab=
le-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width: 10=
0%;" align=3D"center" valign=3D"top">
<table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td =
class=3D"text_content-cell content-padding-horizontal" style=3D"text-align:=
 center; font-family: Arial,Verdana,Helvetica,sans-serif; color: #575757; f=
ont-size: 12px; line-height: 1.2; display: block; word-wrap: break-word; pa=
dding: 10px 20px;" align=3D"center" valign=3D"top"><h1 style=3D"font-family=
: Arial,Verdana,Helvetica,sans-serif; color: #717A80; font-size: 24px; font=
-weight: bold; margin: 0;"><span style=3D"font-size: 20px; color: rgb(0, 0,=
 0); font-style: italic;">Title Sponsor:</span></h1></td> </tr> </table> </=
td> </tr> </table> <table class=3D"layout layout--1-column" style=3D"backgr=
ound-color: #FFFFFF; table-layout: fixed;" width=3D"100%" border=3D"0" cell=
padding=3D"0" cellspacing=3D"0" bgcolor=3D"#FFFFFF"> <tr> <td class=3D"colu=
mn column--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D=
"top">
<table class=3D"image image--padding-vertical image--mobile-scale image--mo=
bile-center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
"> <tr> <td class=3D"image_container" align=3D"center" valign=3D"top" style=
=3D"padding-top: 10px; padding-bottom: 10px;"> <a href=3D"https://5bua7ncab=
.cc.rs6.net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgR=
gJrfiu2FurEJUG4rnY1Pxw-27TXAU2qYHs9SMpPD3i1dDHx5f2NNpdj-FrPF4sWGbpm9tfXKm4p=
fx0qflDJgs-efcuFkv-vwa8Astslu0VMjBEE&c=3DfrJWH1bTCVt3IEUYB-moCTn9f4fAGYjYoO=
c2nxpCBR7nhcyPMVQTYg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2LuU1vi-5G8_eiDf9=
cU88gpP4-Gw=3D=3D" data-trackable=3D"true"><img data-image-content class=3D=
"image_content" style=3D"display: block; height: auto; max-width: 100%;" wi=
dth=3D"410" src=3D"https://files.constantcontact.com/e3050cb9001/0802567e-f=
ff3-481f-9d5e-df470f9635c9.png?rdr=3Dtrue" alt=3D""></a> </td> </tr> </tabl=
e> </td> </tr> </table> <table class=3D"layout layout--1-column" style=3D"t=
able-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width: =
100%;" align=3D"center" valign=3D"top"><div class=3D"spacer" style=3D"heigh=
t: 30px; line-height: 30px;">&#x200a;</div></td> </tr> </table> <table clas=
s=3D"layout layout--1-column" style=3D"background-color: #FFFFFF; table-lay=
out: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" bgcolor=3D"#FFFFFF"> <tr> <td class=3D"column column--1 scale stack" styl=
e=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"divider" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0"=
 border=3D"0"> <tr> <td class=3D"divider_container" style=3D"padding-top: 9=
px; padding-bottom: 9px;" width=3D"100%" align=3D"center" valign=3D"top"> <=
table class=3D"divider_content-row" style=3D"width: 94%; height: 1px;" cell=
padding=3D"0" cellspacing=3D"0" border=3D"0"> <tr> <td class=3D"divider_con=
tent-cell" style=3D"padding-bottom: 0px; background-color: #4C4C4C; height:=
 1px; line-height: 1px; border-bottom-width: 0px;" height=3D"1" align=3D"ce=
nter" bgcolor=3D"#4C4C4C"> <img alt=3D"" width=3D"5" height=3D"1" border=3D=
"0" hspace=3D"0" vspace=3D"0" src=3D"https://imgssl.constantcontact.com/let=
ters/images/1101116784221/S.gif" style=3D"display: block; height: 1px; widt=
h: 5px;"> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <t=
able class=3D"layout layout--2-column" style=3D"background-color: #FFFFFF; =
table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" bgcolor=3D"#FFFFFF"> <tr> <td class=3D"column column--1 scale st=
ack" style=3D"width: 60%;" align=3D"center" valign=3D"top">
<table class=3D"image image--mobile-scale image--mobile-center" width=3D"10=
0%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"ima=
ge_container" align=3D"center" valign=3D"top"> <a href=3D"https://5bua7ncab=
.cc.rs6.net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgR=
gJrft-3GbTpak0rg0ciSK0SqKD5EBHyx-v6hd6Wmsa-_BvB4RBPQ5IYexe60PrYM6nqpSl4It24=
tlC_-jk3otmO4iC4hr5ZkqFhWw=3D=3D&c=3DfrJWH1bTCVt3IEUYB-moCTn9f4fAGYjYoOc2nx=
pCBR7nhcyPMVQTYg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2LuU1vi-5G8_eiDf9cU88=
gpP4-Gw=3D=3D" data-trackable=3D"true"><img data-image-content class=3D"ima=
ge_content" style=3D"display: block; height: auto; max-width: 100%;" width=
=3D"256" src=3D"https://files.constantcontact.com/e3050cb9001/9a22a3cc-5f30=
-491e-9d1e-f87698c0b68f.jpg?rdr=3Dtrue" alt=3D""></a> </td> </tr> </table> =
</td>  <td class=3D"column column--2 scale stack" style=3D"width: 40%;" ali=
gn=3D"center" valign=3D"top">
<table class=3D"image image--padding-vertical image--mobile-scale image--mo=
bile-center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
"> <tr> <td class=3D"image_container" align=3D"center" valign=3D"top" style=
=3D"padding-top: 10px; padding-bottom: 10px;"> <a href=3D"https://5bua7ncab=
.cc.rs6.net/tn.jsp?f=3D001UWPXMIxo_PxMGMo9ZvVLsp6QBm1hlCaAVjjPh0zk9R8_LHhgR=
gJrfu0iRLpOfY60FUh8TZnpRv5vPcaQdFCpKGg04tJMP1iQB15DZNLvJGfXXHbsbG4KQ2yielY8=
vHP-5PWaQQHwG64=3D&c=3DfrJWH1bTCVt3IEUYB-moCTn9f4fAGYjYoOc2nxpCBR7nhcyPMVQT=
Yg=3D=3D&ch=3DLXsWDzbtxRzcAZRLlqE6XTTdkq2LuU1vi-5G8_eiDf9cU88gpP4-Gw=3D=3D"=
 data-trackable=3D"true"><img data-image-content class=3D"image_content" st=
yle=3D"display: block; height: auto; max-width: 100%;" width=3D"118" src=3D=
"https://files.constantcontact.com/e3050cb9001/1e7d0fa0-f4ca-42af-a7b0-d05d=
04a3f0db.png?rdr=3Dtrue" alt=3D""></a> </td> </tr> </table> </td> </tr> </t=
able> <table class=3D"layout layout--1-column" style=3D"background-color: #=
FFFFFF; table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" bgcolor=3D"#FFFFFF"> <tr> <td class=3D"column column--1 =
scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td =
class=3D"text_content-cell content-padding-horizontal" style=3D"text-align:=
 left; font-family: Arial,Verdana,Helvetica,sans-serif; color: #575757; fon=
t-size: 12px; line-height: 1.2; display: block; word-wrap: break-word; padd=
ing: 10px 20px;" align=3D"left" valign=3D"top"><div><div style=3D"text-alig=
n: center;" align=3D"center">
<a href=3D"mailto:aagla@aptnewsinc.com" target=3D"_blank" style=3D"font-siz=
e: 12px; color: rgb(11, 88, 144); font-weight: bold; font-style: italic; te=
xt-decoration: underline;">CONTACT US</a><span style=3D"font-size: 12px; co=
lor: rgb(0, 0, 0);"> </span><span style=3D"font-size: 12px; color: rgb(0, 0=
, 0); font-weight: bold; font-style: italic;">TO LEARN MORE ABOUT SPONSORSH=
IP OPPORTUNITIES!</span>
</div></div></td> </tr> </table> </td> </tr> </table> <table class=3D"layou=
t layout--1-column" style=3D"background-color: #4C4C4C; table-layout: fixed=
;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=
=3D"#4C4C4C"> <tr> <td class=3D"column column--1 scale stack" style=3D"widt=
h: 100%;" align=3D"center" valign=3D"top">
<table class=3D"divider" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0"=
 border=3D"0"> <tr> <td class=3D"divider_container" style=3D"padding-top: 0=
px; padding-bottom: 0px;" width=3D"100%" align=3D"center" valign=3D"top"> <=
table class=3D"divider_content-row" style=3D"width: 100%; height: 1px;" cel=
lpadding=3D"0" cellspacing=3D"0" border=3D"0"> <tr> <td class=3D"divider_co=
ntent-cell" style=3D"padding-bottom: 6px; background-color: #0B5890; height=
: 1px; line-height: 1px; border-bottom-width: 0px;" height=3D"1" align=3D"c=
enter" bgcolor=3D"#0B5890"> <img alt=3D"" width=3D"5" height=3D"1" border=
=3D"0" hspace=3D"0" vspace=3D"0" src=3D"https://imgssl.constantcontact.com/=
letters/images/1101116784221/S.gif" style=3D"display: block; height: 1px; w=
idth: 5px;"> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table>=
  </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr class=3D""> <td=
 class=3D"shell_panel-cell shell_panel-cell--footer" style=3D"background-co=
lor: #FFFFFF;" align=3D"center" valign=3D"top" bgcolor=3D"#FFFFFF"> <table =
class=3D"shell_width-row scale" style=3D"width: 640px;" align=3D"center" bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"shell_wid=
th-cell" style=3D"padding: 0px 10px;" align=3D"center" valign=3D"top"> <tab=
le class=3D"shell_content-row" width=3D"100%" align=3D"center" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"shell_content-cell"=
 style=3D"background-color: transparent; padding: 0; border: 0 solid #cd425=
9;" align=3D"center" valign=3D"top" bgcolor=3D"transparent"> <table class=
=3D"layout layout--1-column" style=3D"table-layout: fixed;" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column =
column--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"to=
p">
<table class=3D"complianceAddress complianceAddress--padding-vertical" widt=
h=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=
=3D"complianceAddress_content-cell content-padding-horizontal" align=3D"cen=
ter" style=3D"color: #595959; font-family: Verdana,Geneva,sans-serif; font-=
size: 12px; line-height: 1.2; padding: 10px 20px;"> <p style=3D"margin: 0;"=
><span>Apartment News Publications | </span><span>1973 Foothill Pkwy Suite =
#404</span><span>   | </span><span>Corona, CA 92881 US</span></p> </td> </t=
r> </table> <table class=3D"complianceLinks complianceLinks--padding-vertic=
al" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <=
td class=3D"complianceLinks_content-cell content-padding-horizontal" align=
=3D"center" style=3D"color: #595959; font-family: Verdana,Geneva,sans-serif=
; font-size: 12px; line-height: 1.2; padding: 10px 20px;"> <p style=3D"marg=
in: 0;"> <a href=3D"https://visitor.constantcontact.com/do?p=3Dun&m=3D001CT=
TCX3lSIA4wPYNQ982DBw%3D&ch=3Dad937c60-18fc-11e9-9499-d4ae52a4597c&ca=3D32fa=
8d80-9c39-4ddd-aafe-a8e1329046fb" data-track=3D"false" style=3D"color: inhe=
rit;">Unsubscribe<span></span></a><span> | </span><span></span><span><a hre=
f=3D"https://visitor.constantcontact.com/do?p=3Doo&m=3D001CTTCX3lSIA4wPYNQ9=
82DBw%3D&ch=3Dad937c60-18fc-11e9-9499-d4ae52a4597c&ca=3D32fa8d80-9c39-4ddd-=
aafe-a8e1329046fb" data-track=3D"false" style=3D"color: inherit;">Update Pr=
ofile</a></span><span> | </span><span><span></span><a href=3D"https://www.c=
onstantcontact.com/legal/customer-contact-data-notice" data-track=3D"false"=
 style=3D"color: inherit;">Constant Contact Data Notice</a></span> </p> </t=
d> </tr> </table> </td> </tr> </table>  </td> </tr> </table> </td> </tr> </=
table> </td> </tr> <tr class=3D""> <td class=3D"shell_panel-cell shell_pane=
l-cell--footer" style=3D"background-color: #FFFFFF;" align=3D"center" valig=
n=3D"top" bgcolor=3D"#FFFFFF"> <table class=3D"shell_width-row scale" style=
=3D"width: 640px;" align=3D"center" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0"> <tr> <td class=3D"shell_width-cell" style=3D"padding: 0px 10px;"=
 align=3D"center" valign=3D"top"> <table class=3D"shell_content-row" width=
=3D"100%" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
> <tr> <td class=3D"shell_content-cell" style=3D"background-color: transpar=
ent; padding: 0; border: 0 solid #cd4259;" align=3D"center" valign=3D"top" =
bgcolor=3D"transparent"> <table class=3D"layout layout--1-column" style=3D"=
table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width:=
 100%;" align=3D"center" valign=3D"top">
<table class=3D"image image--mobile-center" width=3D"100%" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"image_container" align=
=3D"center" valign=3D"top"> <a href=3D"https://www.constantcontact.com/land=
ing1/vr/home?cc=3Dnge&utm_campaign=3Dnge&rmc=3DVF21_CPE&utm_medium=3DVF21_C=
PE&utm_source=3Dviral&pn=3DROVING&nav=3D32fa8d80-9c39-4ddd-aafe-a8e1329046f=
b" data-trackable=3D"false"><img data-image-content class=3D"image_content"=
 style=3D"display: block; height: auto; max-width: 100%;" width=3D"220" src=
=3D"https://imgssl.constantcontact.com/letters/images/CPE/referralLogos/H-S=
tacked-FC-WhiteBG-Email-Footer.png" alt=3D"Constant Contact"></a> </td> </t=
r> </table> </td> </tr> </table>  </td> </tr> </table> </td> </tr> </table>=
 </td> </tr>  </table> </div>  </body> </html>

------=_Part_402953113_1914138757.1730832314873--