Is Your Agency Management System Secure?

Your data is important. Consider how frustrating it is to hear about yet another security breach where your personal information may have been among the data that was leaked. We all expect the services we use to be proactive about keeping our information secure, but did you also consider that your own clients have that very same expectation of you, their agent?

While EZLynx continues to aggressively ensure our system is secure, in the end all it takes is a simple username and password for someone (hopefully you) to access all of your client data in our system.

That is why multi-factor authentication is so important, and that is why we are encouraging you to enable this feature on your account.

What does this mean?

You may have heard of this before, and you likely have already experienced it at your banking website. To put it simply, multi-factor (or two-factor, two-step, etc.) authentication ensures that just because someone has your password, they still cannot access your account until they complete another step to prove their identity.  They must also have access to a second means of authentication, usually in the form of your physical mobile phone, which most likely is never far away from your hand!

How do I turn it on?

It’s very simple and will only take you a couple of minutes.  First, the administrator at your agency will need to log into their EZLynx account, hover over the Settings menu, then choose the Agency Admin link.  From this page, click on the Security Settings tab and choose from the available Two-Step Verification options for your agency.

Once this is done, as each user at your agency logs into their EZLynx account, they will be guided through a quick set up process to enable the feature for their individual account.

We suggest that users choose the mobile phone verification option primarily, but if they also enable the email option, be sure that your users each use a different password for their email account than the one used for their EZLynx account.

The State of Data Security

If you’re an independent insurance agent, your consumer data may be at risk. Data security has changed, and agencies utilizing in-house management systems have become increasingly exposed to exploitation, information loss, and damages. Physical, on-location information storage and hosting methods are placing agents at risk, and your stored information, while seemingly protected, is less secure than you may think.

Data security has become a critical problem for many companies. Between 2005 and 2015, over 800 million records have been stolen as a result of a data breach according to the Identify Theft Resource Center. Current reports reveal that 2016 again shattered all previous records for individual data breach incidents—exposing vital corporate and user information on an epic scale. All indications point to 2017 ending as another record-breaking year as well.

Modern independent insurance agents are particularly at risk. Think about all the consumer information that you have in your system. Insurance agents store names, addresses, birth dates, social security numbers, email addresses, credit card numbers, and more.

While large insurance carriers and agencies have the budgets to maintain comprehensive protection, smaller independent agents are at the greatest risk because they often lack the resources to adequately secure the data that they maintain. A single data breach can damage a well-established insurance agency, harming your valued customers and your reputation in the process. Unfortunately, most insurance agents lack the technical expertise needed to fully prepare for every possible contingency, not to mention the financial resources required to adequately respond to a breach.

Protecting the Home Front

Power outages, fire, vandalism, flooding, and mishandled information all compromise data. User exploitation and malicious activity knows no bounds, leaving a small business’s data at risk. Consider this: Your servers are stolen. You’ve located malware. An employee has corrupted vital data. How will you respond? More importantly, how will you answer irreversible damages?

Companies guarding data must hop through numerous hoops to ensure competent protection. The work involved includes internet monitoring, access allowances, firewalls, encryption, anti-malware services, hacking prevention seminars, staff training, data security enforcement, premises security monitoring, risk assessment, and more. Do you do these things? Cloud-based providers like EZLynx do, and we continue to roll out even more stringent security measures.

Modern Security and Cloud Storage

Cloud-based agency management systems minimize many of your operational risks by offloading your critical infrastructure, removing physical storage needs, and enhancing security. Sensitive information is encrypted, and no mission-critical applications are installed on your local systems. You should protect your agency and customer data with cyber insurance coverage and an agency management system that is working to proactively protect your data.

Web-based agency management systems like EZLynx handle much of your data requirements and security needs, offering immediate agency data access across multiple locations, ensuring everything you need to run your business is available on a single platform.

Independent agents that are relying on a self-hosted agency management system are extremely vulnerable. The fact that your business would come to a grinding stop in the event of data loss notwithstanding, is your agency prepared for the legal and financial burdens of notifying your entire database in the event of a breach? The laws vary from state to state, but one thing remains constant: If you have unencrypted sensitive consumer information on your systems that has been compromised, you have a legal responsibility to notify each and every one of those clients and prospects whose personal information is now out in the open. And make no mistake, they won’t be your clients for long after that!

EZLynx Management System, with our pain-free data migration service, has helped agents move their data from these old, costly systems. You can’t risk waiting.


Claims Download Support comes to EZLynx

Claim tracking is an important part of any agency’s process. The insured’s experience with his or her agent when filing a claim is a significant factor in the relationship. The insured looks to the agent to guide them through the process, answer questions, and help manage expectations. Getting the most up-to-date information from the carrier is an additional burden on the agency’s staff. Claims download alleviates this burden by sending the information directly to EZLynx Management System.

After receiving numerous requests to support downloaded claims at AgentLynx 2017, we are excited to announce that we are implementing full support for claims downloads in our Advanced and Enterprise packages in the coming months!

With this enhancement, you can automatically track and manage claim information, quickly answer questions from the customer’s account, and maintain an overview of your incurred losses.  This feature will automatically update EZLynx Management System with the latest information to give the agent a full picture of the claim status. Claims support is just the latest feature to help your agency increase productivity, serviceability and profitability in EZLynx.

Claims Matching

All claims, manual and downloaded, are listed in the claims transaction page. The look and feel match the policy transactions page with different filters and adjustable columns. The information flows from the carriers to the correct customer and policy for quick access. EZLynx will attempt to match the downloaded claim based on the claim number and policy number, but if we are unable to find the policy, the claim transactions will appear in the unmatched section for you to review.

Claims Downloads Example 1

Summary View

Once the claim is associated to a policy, a summary will display on the customer’s overview page for quick access. The summary displays the most recent information on the claim, adjuster, and payments. This enables anyone with access to the customer to answer questions about the adjuster and payments. Your agency can confidently answer customer questions directly from EZLynx to save time and provide exceptional customer service.

Claims Downloads Example 2

Claim Transaction Details

We provide a detailed view of all the transactions on the policy claim tab. This enables you to see each transaction the carrier sends. We automatically track and calculate the amount paid, reserve, and the incurred loss for each claim as the carrier sends it.

Claims Download Example 3

Supported Carriers

Claims Download will be an additional feature available to all Advanced and Enterprise package customers. Initially, we have claims download support for 48 carriers who send claims to EZLynx:

  • Acuity
  • AnsurAmerica
  • Auto-Owners Insurance
  • Berkley Mid-Atlantic
  • Brethren Mutual
  • Central Mutual
  • Chubb Group
  • Cincinnati Insurance
  • Columbia Ins.
  • Continental Western/Berkley
  • Donegal Mutual
  • EMC
  • Farmers Mutual of NE
  • Frankenmuth Mutual
  • Fremont Ins.
  • Grange Mutual
  • Grinnell Mutual
  • Hanover Ins.
  • Harleysville Mutual
  • Hastings Mutual
  • Jewelers Mutual
  • Liberty Mutual Insurance
  • Loudoun Mutual
  • MetLife Auto & Home
  • Michigan Millers
  • MiddleOak
  • MMG Insurance
  • Nationwide Insurance
  • North Star
  • Northern Neck Ins.
  • Patriot Mutual
  • Pekin Insurance
  • Pioneer State Mutual
  • Quincy Mutual
  • Republic Underwriters
  • Safeco
  • Safety Insurance
  • SECURA Insurance
  • Selective Ins.
  • Service Lloyds
  • Society Insurance
  • Travelers  – Commercial Lines
  • Travelers  – Personal Lines
  • Union Standard/Berkley
  • United Fire & Casualty
  • Utica Mutual
  • West Bend Mutual
  • Westfield Group

Next Steps

If you’d like to participate in the beta for this new feature, you can sign up here. If you simply want to learn more about Claims Downloads or EZLynx Management System, please contact us using the form below.


EZLynx Reporting Gets Supercharged, New Tools for Deeper Analysis

EZLynx, an industry-leading Agency Management System and Comparative Rating vendor for the independent insurance industry, announces new reporting tools to increase the usability of information provided within their ONE PLATFORM™ suite. These enhancements include optimizations and new features that will benefit agencies who want to take full advantage of their system to make intelligent, data-driven business decisions.

“Our primary goal in this update is to make the reports in EZLynx more intuitive. Agents should be able to get actionable information quickly and easily. These updates put EZLynx yet another step beyond our competition.” says John McKay, Director of Sales at EZLynx. “Think of it as management system reporting on steroids, now with the ability to schedule custom reports out to users or teams. This not only brings significant enhancements to the Reporting area in EZLynx, but the underlying technology will also allow us to bring the full force of our reporting capabilities directly into other areas of the product, including Retention Center® and Accounting.”

While the latest enhancements have placed an increased focus on usability, there are also several new important features. “We are very excited about the report scheduling tool,” McKay continues. “With this feature, agents can have reports scheduled to automatically run on a recurring basis. This should save a lot of time for people who run a specific report on a regular basis. In addition, being able to slice and dice the data is a request EZLynx has now fulfilled by way of a Master Report. This will give agents full control of almost every field inside of EZLynx and allow users to apply filters, sorting, charts, paging, and groupings to create custom reports which users can save and run as needed for future use.”

Let’s Take a Closer Look at EZLynx Reporting

The Applicant Summary Report shows agents demographic information on their current policy holders. This report includes valuable information like Active Policies and Average Premium per Customer as well as summary statistics on gender, education level, and marital status.

EZLynx Reporting - Applicant Summary Report

Coming Soon to EZLynx Reporting

The ability to Email a report to your colleagues without leaving the reports page is coming soon and will help with large files that take a long time to export. With this feature you can have the report emailed to you and your coworkers so that you can continue working while the export process runs.

EZLynx Reporting - Email a Report

Scheduled Reports is a new feature that will enable a report to run on a daily, weekly, or monthly basis. You will no longer have to log in to the reports page to run the same report each month; simply have it scheduled to be delivered to your inbox!

EZLynx Reporting - Schedule a Report

These changes are only the beginning. As a company, we are committed to continually improving our product based on the needs of our customers, and that commitment extends to Reporting where we have a grand vision that spans far past 2016. From new reports that show unsold business, to visualizations showing policy trends over time, Reporting has an exciting future at EZLynx!


Powerful Commercial Enhancements are Coming to EZLynx Soon

We are excited to begin live testing of some powerful commercial features in EZLynx. If you’re interested in participating in the BETA, you can let us know below.

Commercial Package Policy Support

Manual entry only

Maintain more accurate policy information and improve reporting capabilities by truly grouping lines of business within a one single package policy.Newest new Add new Policy

Let’s take a look at the details

When adding a manual personal or commercial package policy in EZLynx, the user can now add the individual policies included in the package.

After selecting either personal or commercial package as the main Line of Business, add any number of individual LOBs and their premiums as you’d like.

The Add & Edit Policy feature prompts the user through a series of tabs for adding detailed policy information; to reduce data entry keying, some tabs gather information that can be shared across multiple policies.

Add new Policy window

Tabs to collect information shared between all policies in the package; for less data entry

Newest Newer Comm Policy PKg

Commercial Applications

The ability to add commercial applications in EZLynx is a huge, time-saving tool for agencies that write commercial business. Complete the application once in EZLynx, then easily create necessary ACORD form for submission to multiple carriers.

Take an application and quickly transform it into a policy or take a policy and create an application from the data.

Comm App

Commercial Proposals

From a Commercial applicant’s Documents tab, click the Add button and select Quote Proposal. Ability to select one manual policy from each LOB, then click Add Quote Proposal. The feature will be expanded to include downloaded policies in the near future.

Supported LOBs:

  • Commercial Auto
  • General Liability
  • Commercial Property
  • More coming soon

New NwerfdhbkljsfhComm Prop

Comm Prop LOB

EZLynx is committed to enhancing our commercial support this year. We’d love to get your feedback!


What’s In YOUR Agency Management System?

So if I were to ask you, “What is your agency’s rate of retention?” (in general, not specifically by line of business), what would your answer be? 80%? 90%? Higher, or lower? Chances are, and I would be willing to wager on this, that your answer would be the same that I hear from most agencies: “Oh, we have a fantastic retention rate, I am sure it is over 90%!”

Well, that is fantastic, except that:

a) There is an excellent chance that your response is incorrect as it is most likely lower than you assumeb) How come you cannot tell me exactly what it is, for each line of business?

b) How come you cannot tell me exactly what it is, for each line of business?

Well, the answer to both of my statements above is very simple, but before we discuss the answers and why, let us chat a bit about retention, and its impact on your business and its employees.

Assuming your agency has a high rate of retention, let’s say 90%. That appears to be an excellent rate, considering all of the outside influences that the independent agents face these days with direct writers, online marketers, and what have you. However, even though 90% appears on the surface to be something to brag about on the golf course with your fellow agents and brokers, a 90% rate of retention very simply means that you now have to work 10% harder than you did last year, just to break even! In addition, let’s also assume that you have been in business for ten years, and each year your agency is operating at a 90% retention level, so when you extrapolate that figure out in reverse, you are constantly having to work harder and harder than the year before, just so that you do not lose what you and your staff worked so diligently for previously!

Let’s now complicate this calculation even further: have your carriers all called you this year and told you that they are going to raise your commission rates, increase profit sharing, and expect you to do less service work? I don’t think so…if anything, your commissions (if they haven’t been reduced), have most likely remained the same. Granted, premiums have increased so you will make up some of the revenue that way, but that is the equivalent of a supermarket raising the price of milk to offset the cost of bread. Furthermore, your agency expenses have been on the rise with labor costs, health care and other insurance costs, rent, utilities, etc., so an increase in premiums does not necessarily offset the 10% loss of clientele.

There are a few different ways to manage this loss of business and revenue. However, you cannot address the issue until you are fully aware of exactly what the issue is, and can definitively determine exactly what the agency’s rate of retention is. So how do you do that? Well, to begin with, you need an automated tool that will help you to measure exactly how you keep your existing business. For instance, as a business owner, you should have at your fingertips the ability to go into your management system, request a report on business retained and have the ability to manage the renewal process. You should also be able to not only see this information when you request it but also be alerted to indicators throughout the policy year on factors that may cause the policy to not renew. If you have this information automatically provided to you and your appropriate staff on a regular basis, you may then implement a process and schedule tasks to address these areas of concern, before you receive the call requesting a BOR (broker of record), or copy of their existing declarations page, or even worse: an LPR (lost policy release) which indicates that the coverage has been replaced.

Don’t work harder to generate less income…let automation do this for you. EZLynx has patented tools to automate these processes for you. For additional information on how EZLynx can help you and your business, please contact us today!

 


Conquered: The Data Migration Challenge

A common concern we encounter from our customers is the risk of losing their data when moving to a new management system. As you amass more information, maintaining your data becomes increasingly important. EZLynx has developed a proven process to help our customers migrate their data to EZLynx Management System – a process in which our customers have been happy to talk about. Nothing is left behind due to EZLynx’s effective conversion process.

Assessment

When you’ve opted for data transfer, EZLynx maintains constant contact with your team. Your data is customized into a conversion plan suited to your unique needs. EZLynx’s success is based on our customer’s happiness, and all of our actions are directed towards protecting your data.

The Data Back-up

Once you have contacted your previous vendor, we streamline your files for conversion. Many formats are covered.

Using Old System Downloads

Additionally, all of your previous downloads will remain in your old system. In the event of a backup emergency, you’ll already have access to historical files. Once EZLynx has begun its process, your attachments, notes, reminders and tasks will be similarly logged. After this, information forwarded to EZLynx will be recorded.

The Conversion Process

EZLynx Data Conversion ProcessWithin eight weeks, your files are tested, cleaned up, reviewed and successfully converted to our system. As your data is analyzed, everything is accounted for, and you’ll be kept informed throughout the entire process.

Sample batch conversions are used to maintain accuracy, and any missing information is generated within a list by referencing current data.

With such a process, full visibility provides an enhanced approach to data migration. Any areas needing attention are discussed before total conversion, reducing any chance of “faulty” conversions. Quality verification is signed off on, and the process is never deemed “finished” until your word grants it.

Vanquishing Fear with Knowledge

Our time-tested-and-true processes guard your data throughout the conversion process, removing inconsistencies while safeguarding it from loss. This is just one of many reasons why we consistently achieve customer satisfaction scores over 95% year in and year out!

“My biggest concern was ‘Will my data convert?’, and I’ve got to tell you, EZLynx was there every step of the way. We had a pre-conference call with how the whole conversion process would work and they made me feel very comfortable. Throughout the entire process my EZLynx representative was always there to guide me through… Everything that EZLynx promised that I would get, I got it and better.”

-Phil Klein, Phil Klein Insurance Group

It may be time to make the change. After all, once a fear has been realized and logically countered, there isn’t much room left for fear itself, is there? Leave a comment below, or take a look at our Data Conversion overview for more information.


Powerful Business Performance Insights

EZLynx Agency PulseEZLynx® Agency Pulse™ is a one-of-a-kind monthly report that delivers enhanced business performance insights to insurance agencies.

This monthly agency report aggregates data from EZLynx Rating Engine and EZLynx Management System into actionable business intelligence that helps agency owners and administrators manage their businesses more profitably and efficiently.

The EZLynx Agency Pulse report provides agencies key metrics and trend analysis of your insurance agency’s monthly performance, derived directly from your EZLynx data to make targeted, educated business and marketing decisions.  EZLynx, with an all-in-one platform that has both a comparative rater and a full-featured agency management system, is uniquely positioned to provide rich, multi-dimensional agency reports that are unavailable in any other system.

This powerful agency trend report uses all of the robust quoting and policy data found in EZLynx Rating Engine and EZLynx Management System to deliver eye-opening performance metrics. With so much customer data locked away in outdated agency management systems, agency owners have been desperate for the kind of actionable agency analytics that is provided in the EZLynx Agency Pulse report.

Agency Pulse - SnapshotAutomatically generated each month with both Agency Snapshot and Detailed Information sections, the EZLynx Agency Pulse report delivers performance data in an easy-to-view report that has been designed to provide key performance information based on a collaboration between EZLynx and a team of agency owners. Actionable metrics that help reveal opportunities for growth and increased profitability include statistics and trends on close ratios, retention, clients, carriers, and premium.  More importantly, agency owners can see their month-over-month trends at a glance, making it much easier to track strategic objectives and priorities.

We checked in with one of our users to find out what their experience has been. “EZLynx Agency Pulse has illuminated the business performance of my agency in ways that would have never been possible on our legacy management system,” said Brian Burns, Owner at Compass Insurance Group LLC in Colorado. “Because EZLynx is a tightly integrated comparative rater and agency management system on One Platform™, they are able to build amazing reports that can’t be found in any other system.  That, combined with the quarterly website performance meeting that is part of EZLynx Agency Websites, we have been able to make strategic marketing decisions based these reports from EZLynx and then actually track the results each month to gauge the successes or failures of our efforts.”

EZLynx Agency Pulse is available today for customers of EZLynx Management System at no additional cost.  EZLynx automatically sends out Agency Pulse each month to all agency owners with an EZLynx Management System account.


Introducing EZLynx Retention Center

A New Era in Policy Renewal Management

In the EZLynx Roadmap for 2015, I dropped a hint about a big new product announcement coming later this year. Well, here it is…

I would like to announce the release of a ground breaking product called EZLynx Retention Center for personal lines renewal management, available as an add-on to EZLynx Management System customers only. We are extremely proud of this product because it has taken nearly 24 months of hard work to get from conception to release, and it’s as revolutionary as our original real-time rating tool!

EZLynx strongly believes that personal lines is under direct attack from other industries. One way for small agencies to combat this challenge is to be smart about how you service policies and manage renewals. EZLynx Retention Center addresses the daunting task of renewal management. With Retention Center, you no longer wait for your customer to call and complain about rate hikes at renewal. Instead, our system will identify on a daily basis those customers that you are most at risk of losing so that you can focus your efforts in the right place. As part of our twelve month beta program, several agencies used EZLynx Retention Center and, not surprisingly, noticed a huge increase in retention!

I want to spend some time impressing upon you the importance of retention. I have always been surprised during any one-on-one conversation with agents on the question of what their agency retention rate is. Agents are never sure of what their exact agency retention numbers are, but they always think it’s good. We have identified a solid and obtainable agency retention rate as being in the 90-95% range. However, you may be surprised to hear that the average retention rate across all EZLynx agencies was only around 75%.

Three years ago we made it one of our goals to attack this problem head-on for our customers. As a first step, we started delivering a monthly email report called EZLynx Agency Pulse for all EZLynx Management System customers. In addition to agency retention numbers, Agency Pulse has several key agency performance metrics that we believe every agency owner should be using as a guide to manage their business. As our second step, EZLynx Retention Center removes the drudgery of trying to manually manage your renewals.

During our beta testing, we worked with 5 large agencies to gauge just what kind of results we could see with this tool. To our delight, and to that of our beta agencies, we found that with very little effort agents were able to hit our 90-95% retention target within 3 months! Think about that…

For a book size of $10M, that’s at least $100,000 in additional annual revenue!

We believe that EZLynx Retention Center is a powerful tool that can help your business become more profitable. We have several exciting tools in development that continue our trend of finding innovative ways to help independent agents manage their top and bottom line.

Please remember that in order to enjoy the benefits of our complete customer lifecycle solution, the first step is to switch to EZLynx Management System!


Latest Update to EZLynx brings Enhanced Commercial Support

EZLynx, the creator of cloud-based software for the insurance industry, has announced recent updates to EZLynx Management System that help make it easier for independent agents to service their commercial lines customers.

“Many of the agencies that we work with write commercial business, which can be a time-intensive line to service,” says Riley Simmons, Product Manager at EZLynx.  “We’ve taken feedback from commercial lines agencies about what tools they need most in order to manage commercial lines tasks more efficiently, and we’re pleased to say we’re making it happen.”

The latest commercial enhancements include:

  • Bulk emailing of certificates, allowing users to generate and email any number of certificates at once.
  • The ability to share certificates in the consumer-facing self-service portal EZLynx Client Center, making it easier for an agent to get certificates into the hands of their commercial clients without the hassle of manually emailing them.
  • Agency form templates, making it possible for unique agency forms to be uploaded as a template in EZLynx so that they can be used over and over.
  • Integrated commercial lines workflows – based on ACORD industry standard forms – for managing the most common commercial policy information, all created and stored in a single location.

“We believe our latest commercial enhancements will give producers more time to focus on selling, reduce E&O exposure, and help improve retention of commercial accounts,” Simmons continues.

Read more about the latest commercial enhancements in EZLynx:
https://www.ezlynx.com/blog/servicing-commercial-customers-just-got-easier/

About EZLynx

EZLynx® develops industry-leading cloud-based software for the insurance industry. Our software has helped independent agents operate their businesses more effectively for over ten years.

EZLynx is proud to be the innovator of several products that, previously, the insurance industry had never seen, including: Real-time rating, Agency Pulse™, Policy Sync, eSignature integration, and a unified rating and management system.


Spring has Sprung – Tips for Seasonal Marketing

Seasonal Marketing TipsWell, spring is finally in the air and we all know what that means…clocks are turned one hour ahead, flowers begin to bloom; kids are counting down the days until school ends, and it’s the beginning of a new season: the motorcycle and boat insuring season!

Yes, it’s finally here! Those days of insuring hulls and Harleys, outboards and overdrives, Sea-Doos and Suzukis are now upon us. This is also the time of year when guys who grew up with the muscle cars of the 70’s and 80’s dust off those chamois covers, fire up that ole engine, fill ‘er up with “high test” and renew their classic policies so that they can flex their own muscles by cruisin’ down the Avenue like it was 1976 all over again. Then again, with “regular” approaching three dollars per gallon once again and a ’69 Road Runner that gets 8 miles to the gallon, insuring that Honda 750 is looking wiser by the minute!

But don’t sell this winter short or empty the tank in snow blower the just yet. I have been speaking to many of our agency clients in the northeast who are still bracing for auto claims as they are expecting another ice storm to blanket their area over the next couple of days, so insuring those Harleys lined up outside the diners, or those sailors who are dreaming of seafaring along the beach may just have to wait a couple of more weeks.

So as an agency who is obviously looking to round out your book of business, what steps have you taken to ensure that your insureds are covered for all of their seasonal needs? For instance, spring has a unique set of risks that are inherent to this time of year, such as boat insurance, classic car insurance, motorcycle coverage, and items of that nature.

We all know that some direct carriers will now be advertising their expertise in these types of risks, along with their claim of the lowest rates in town. However, are they truly offering what is adequate for the insured as you would?

Our suggestion during this time of year, is to take a few moments to re-evaluate your entire book of business, along with your prospect list, and see what opportunities are out there for you and your agency to take advantage of.

If you are using EZLynx Management System, this process is as simple as running the “Cross Sell List” report, to see exactly which of your clients have what policies…and what their needs might be that you can respond to.

If you don’t have our policy management system, please give us a call and we will be happy to speak with you to see if this is something that might be a fit for you and your organization.

Until then…Happy Spring!