WP 81 | Creating an Integrative Healthcare Model in your Practice with Jessica Nemecz

Written By James Marland

Integrating Holistic Health into Business Practices: Insights from Jessica Nemecz

In a recent episode of the Wise Practice Podcast, Whitney Owens explored the transformative power of integrative healthcare in business with Jessica Nemecz, CEO of Two Roads Wellness Clinic. Their discussion provided invaluable insights for healthcare professionals seeking to merge conventional and alternative medicine to enhance patient care.

The Rise of Integrative Healthcare

Jessica Nemecz, a seasoned mental health therapist and business owner, shared her journey towards establishing an integrative health clinic. Her approach bridges the gap between traditional and alternative medicine, ensuring patients receive comprehensive care tailored to their individual needs. This model not only emphasizes the importance of mental health but also incorporates physical and spiritual wellness, creating a holistic treatment plan that addresses all aspects of a patient's life.

The Business of Health: Challenges and Triumphs

Jessica's narrative is particularly compelling as it intertwines her personal health struggles with her professional achievements. Diagnosed with Lyme disease after years of misdiagnosis, Jessica's experiences have profoundly shaped her practice's ethos. This personal journey underscores the importance of an integrative approach, which she passionately advocates for through her clinic.

Whitney Owens highlighted the logistical and regulatory hurdles of integrating such a model into a practice. Jessica's advice to aspiring practitioners includes thorough research and planning, ensuring legal and financial considerations are addressed before integrating new services.

Expanding the Reach of Integrative Care

Looking forward, Jessica aims to franchise her practice model nationwide, offering other entrepreneurs the blueprint for a successful integrative healthcare clinic. This expansion is not just about business growth but about making a broader impact on healthcare in America, providing a template for patient-centered, holistic care that could revolutionize the industry.

Implementing Integrative Health in Your Practice

For those inspired by Jessica's story and looking to implement a similar model, the key takeaway is the necessity of a well-rounded approach that includes detailed planning and an understanding of local regulations. Moreover, aligning with providers that share a holistic health philosophy is crucial.

Conclusion

Jessica Nemecz’s journey from a mental health practitioner to an advocate for integrative healthcare provides a compelling blueprint for others in the healthcare industry. Her unique perspective on patient care, combined with a robust business strategy, illustrates the potential for integrative health to reshape practices nationwide.

This episode not only sheds light on the intricacies of integrating holistic health into a business model but also inspires healthcare professionals to think beyond traditional boundaries and envision a practice that truly transforms lives.

How Can Guto Help Save Time with Payroll Processing?

Gusto is an excellent payroll processing option for therapist group practice owners due to its intuitive interface and comprehensive support. It simplifies the complex task of managing payroll, taxes, and employee benefits, which is particularly beneficial for practices with multi-state employees. Gusto’s paperless onboarding streamlines the hiring process, and its user-friendly software makes it easy for administrative staff to run payroll efficiently. Additionally, Gusto’s responsive phone support ensures that questions or issues are promptly addressed, allowing therapists to focus more on their clients and less on administrative tasks. If you sign up using this link, you will get a $100 sign-on bonus! 

Guest Resources

Links and Resources



Podcast Production and Show Notes by Course Creation Studio

  • WP 81 | Creating an Integrative Healthcare Model in your Practice with Jessica Nemecz

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    [00:00:00] James Marland: Attention all employers and managers of contractors. Are you tired of spending hours onboarding new employees? Look no further than Gusto. One of my favorite things Gusto does is it smooths out the onboarding process with standardized employee documents. Online signatures without leaving Gusto and access to your employee.

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    [00:00:45] Whitney Owens: Hello, friends, and thanks for being with me today on the wise practice podcast. If you've been following me for any time at all, you've heard me rave about the wise practice summit. I want to make sure that you are with me this year at the summit. It's going to be October the 3rd through the 5th in Charlotte, North Carolina.

    [00:01:04] Whitney Owens: It is when we get faith based practice owners together in one place. And it's incredible to be in person. We can be on zoom all day long, listening to podcasts, but when we really join together, we meet each other. We create relationships that last a long time. We build our businesses together. It's an incredible experience along with that, though.

    [00:01:23] Whitney Owens: I'm very particular when I'm looking for sponsors, because I want sponsors that are going to help you. Row and scale your practice people that are in line with the way that we think about faith the way we think about business. And so I am still looking for a couple of more sponsors. We have a few tables left.

    [00:01:41] Whitney Owens: And so, in, in hopes of helping to explain and help you see what it's like to be a sponsor and that kind of partnership effort. I have a testimonial that was given to me by recent sponsor and. This is Daniel 5 from private practice elevation. He is amazing. We have been partnering for years. He builds websites for practice owners, and he does high scale, beautifully designed.

    [00:02:05] Whitney Owens: Websites he also does services as well as alumni services to kind of make sure that once websites built, you have everything that you need moving forward. So he created a promotional video, or really a testimonial video about his experience. With partnering with Wise Practice in sponsoring events. So if you were interested in coming to the summit, make sure you head to Wise practice consulting.com/summit-twenty 24, and if you're interested in sponsoring, shoot me an email.

    [00:02:36] Whitney Owens: Whitney at wise practice, consulting. com. I'd love to get on a call with you and talk about if sponsorship is the best for you and your business and making sure that it's the best for the audience. It's going to be coming to the summit. So I'm going to share with you Daniel's testimonial and follow up with me with questions.

    [00:02:52] Whitney Owens: And then we'll end up jumping into the episode.

    Hey there, this is Daniel Flava from Private Practice Elevation. And I just wanted to share a little bit, you know, briefly about my experience sponsoring Whitney's event, the Wise Practice Summit. I've had the privilege and the honor of sponsoring this event for the past two years. It's actually the first event that Private Practice Elevation has ever sponsored and it continues to be just an amazing event.

    And I'm super excited to sponsor again this year. Uh, at the Charlotte, uh, event. And so, yeah, over the years, it's been just amazing meeting so many amazing people, uh, the community that Whitney has built are just incredible people. Um, just very people who are just leaning on each other for, uh, things that are going to improve their business and just giving and receiving.

    Um, so many people just carry so much strength and gifts. And so I just love seeing that happen. Um, professionally it's resulted in a number of clients coming our way for websites that we've built. SEO work that we've done has probably resulted in, I'd say over 50, 000 in, uh, revenue and business. Um, and some of those relationships.

    I've just kind of started and grown and continue, we continue to work with these folks and so they're just amazing people and personally, I always love just getting together with people face to face and just the encouragement that comes from the community from people attending other sponsors. Speakers, uh, I always leave super encouraged.

    I come back with ideas for my own business. Um, and I'm going to, I'm not even sitting in all of the, uh, all the talks that people are giving, it's just through the conversations that are happening. So if you're on the fence about sponsoring, I say, go for it. It's a, it's a great experience and, uh, I'm sure you'll come away encouraged and it will impact your business.

    [00:04:36] Whitney Owens: Hi, I'm Whitney Owens. I'm a group practice owner and faith based practice consultant. And I'm here to tell you that you can have it all. Want to grow your practice? Want to grow your faith? Want to enjoy your life outside of work?

    [00:04:49] Whitney Owens: You've come to the right place. Each week on the Wise Practice Podcast, I will give you the action steps to have a successful faith based practice while also having a good time. Now let's get started.

    [00:05:19] Whitney Owens: Today on the wise practice podcast, I have Jessica Nimitz. She is a business owner since 2010 and a mental health therapist specializing in EMDR and business coaching. She is currently the CEO of two roads wellness clinic and integrative health clinic and the founding owner. Her strengths are clarifying vision, creating strategies and systems and establishing company culture that leads to growth.

    [00:05:45] Whitney Owens: Jessica, thanks for coming on the show today. Happy to be here. Yeah. Why don't you first kind of share a little bit about yourself with the audience, where you're located, your family, and then we can kind of jump into how you started your practice.

    [00:05:57] Jessica Nemecz: So I'm in Indiana. Um, my practice is actually in Illinois and Indiana.

    [00:06:03] Jessica Nemecz: Um, I've been married for about 21 years now and we have four boys. Uh, so there are 18, 17, 13, and 11.

    [00:06:13] Whitney Owens: Wow.

    [00:06:15] Jessica Nemecz: And we actually live on about 25 acres out in the woods. So we have a cabin, um, and we have a lot of like chickens and ducks and dogs. So we love animals.

    [00:06:26] Whitney Owens: That's fun. So do the boys get involved in all that?

    [00:06:29] Jessica Nemecz: Yeah. So my youngest is the chicken whisperer, so he loves chickens and he takes care of them for us.

    [00:06:36] Whitney Owens: Oh, I love that. Oh, it sounds wonderful. Now I want to come over to your house. Wonderful. Okay. Well, let's talk about you as a therapist. So what got you into starting your private practice?

    [00:06:49] Jessica Nemecz: Okay. Yeah. So I've been a therapist, um, say since 2006 and I got into business ownership in 2010.

    [00:06:58] Jessica Nemecz: Um, and honestly it was just kind of like accidentally, I didn't mean to start a practice. I just kind of wanted to help the community. And so I got together with, with a friend and we started two roads counseling back in 2014.

    [00:07:16] Whitney Owens: Great. Great. Okay. And is she still a co owner with you or how does that work?

    [00:07:20] Jessica Nemecz: No, so we actually added a couple partners in 2015, and then that's when we formed our LLC. And since then, those practice partners have went off and done their own thing, or one of them actually retired.

    [00:07:35] Whitney Owens: Okay, so it's just you running the practice now.

    [00:07:37] Jessica Nemecz: Yep, my husband has actually stepped into the practice. Also, he did it. He left law enforcement in 2021. And so he joined practice at that time and he helps just keep things running.

    [00:07:51] Whitney Owens: Wonderful. Okay. And tell me about the dynamic of your current practice. How many locations, how many therapists.

    [00:07:59] Jessica Nemecz: Yeah. So that's a good question.

    [00:08:00] Jessica Nemecz: So we have five, uh, clinics across Illinois and Indiana. Um, we're, um, in the central area of the state and we have about around 65 employees. And so that's, you know, mental health therapists, nurse practitioners, massage therapists, physical therapists, life and health coaches, um, our receptionist, office managers, billers.

    [00:08:23] Jessica Nemecz: I think that's

    [00:08:24] Whitney Owens: everybody. All the things. Okay. Thanks And so we're going to talk about how unique your practices and the integrative health approach that you offer. So can you tell listeners just in case, like, what does that mean? We talk about integrative mental health.

    [00:08:41] Jessica Nemecz: Yeah. So for us, um, integrative health care is the bridge between conventional medicine and alternative medicine.

    [00:08:47] Jessica Nemecz: So it's just providing your clients and patients with informed consent and then tailoring the treatment plan based on their individual needs.

    [00:08:57] Whitney Owens: Okay, so tell me what that looks like when a client comes to your practice.

    [00:09:02] Jessica Nemecz: So it's really a collaborative approach. So, you know, they would give us a call and say, Hey, I'm dealing with this issue.

    [00:09:09] Jessica Nemecz: Um, we'd ask them, you know, do you want to see a mental health therapist? If that was appropriate, they'd start with a mental health therapist and the mental health therapist would also kind of say, you know, maybe if they brought up something that sounded like they might benefit from like a nurse practitioner or a PT or massage therapist, or even one of our, um, life or health coaches, we would refer them within.

    [00:09:31] Jessica Nemecz: Our practice to one of the other providers, and then we just work as a team collaboratively to make sure that all their needs are met.

    [00:09:43] Whitney Owens: Okay. I love it. All right. So, do you want to share a little bit about why this field is important to you?

    [00:09:50] Jessica Nemecz: Sure. Yeah. So first of all, uh, we got into integrative healthcare kind of accidentally, like we started off as a mental health counseling practice, but then when we started adding our nurse practitioner to prescribe medication for mental health, we realized that she was able to identify some physical health concerns that were actually causing some of the mental health problems.

    [00:10:12] Jessica Nemecz: And so that's when we really started to expand into integrative healthcare from just mental health. And then my own personal experience, um, I actually was pretty sick. I got sick back in 2012. And, um, it just kind of started off with, I ended up like falling and my legs gave out. And so I went to the doctor and they did some x rays of my legs and said, Oh, we think you have arthritis, nothing, nothing to worry about.

    [00:10:39] Jessica Nemecz: I was like in my early thirties. So I was like, really, like, am I old enough to have arthritis? But. Yeah, so I went with it. Um, and then through the years, I would just kind of like break out and like rashes and hives and have some like really strange symptoms. Um, and the doctors again, we're just kind of like, well, I think, you know, it's just you have a strong immune system.

    [00:10:59] Jessica Nemecz: There's nothing to worry about. Um, but over time, actually it was in, I think it was 2022, I believe, or 2021, um, I started getting even sicker and my optometrist actually noticed that the optic nerves in my eyes were thinning and he was concerned about me losing my vision. So at that time they really started running more tests and, um, I ended up seeing a rheumatologist and she was just kind of like, well, I think you have fibromyalgia.

    [00:11:31] Jessica Nemecz: And I just remember being like devastated by her diagnosis. Um, not because I don't believe in fibromyalgia, but I felt like it didn't fit all of my symptoms. And she was just basically like, there's nothing I can do for you. You're just going to have to deal with all these symptoms you're having. And at that time I was having a lot more symptoms.

    [00:11:49] Jessica Nemecz: I was having like vertigo where I could barely drive. I was having neuropathy and like, I was sleeping like 10 to 12 hours a night, cause I couldn't like feel rested. Um, And so I just felt like defeated. And actually it was one of our own nurse practitioners that said, you know, I think you might have Lyme.

    [00:12:07] Jessica Nemecz: Have you been bitten by a tick? And I said, yeah, actually I was bitten by a tick, you know, early on. And then like years ago, and then More recently in like 2021, I was bit by a tick again. And she's, she's like, I think that's what's causing all your symptoms. So she did the testing and it came back positive and they started me on antibiotics.

    [00:12:27] Jessica Nemecz: Um, and I was actually on antibiotics for about a year of different types of antibiotics. And I'm doing so much better now. And even my optometrist says your eyes look so much better. Your optic nerves aren't thinning anymore. So I'm in much better.

    [00:12:41] Whitney Owens: Oh, thank you for sharing that story. But it's Oh, it breaks my heart.

    [00:12:45] Whitney Owens: It's so scary and so upsetting to have to go through that. And you have your, your boys there and you're trying to take care of them and run a business and it's a lot. Yeah, it was

    [00:12:54] Jessica Nemecz: definitely hard. And I just didn't want to let everybody down. I kept thinking like, well, happens to me, who's going to take care of my kids.

    [00:13:01] Jessica Nemecz: You know, I need to be strong and all our employees need me to be in my best health. And I just, you know, felt a little hopeless for a while.

    [00:13:09] Whitney Owens: Definitely.

    [00:13:10] Jessica Nemecz: Yeah.

    [00:13:11] Whitney Owens: Well, I'm glad you're feeling better and glad you got some answers. That's for sure. And it was a journey. So that changed the way you wanted to do your practice, huh?

    [00:13:21] Jessica Nemecz: Yeah. And we were already in the, you know, integrative style. It just, it thankfully it was already in place and it helped me as well.

    [00:13:29] Whitney Owens: Yeah. Wonderful. All right. Can you talk about if somebody is listening and they're thinking, wow, that sounds so cool. I want to have a practice like that. What kind of advice or tips do you have for them?

    [00:13:42] Jessica Nemecz: I would say just start slow, you know, um, I mean, there's a lot of foundational pieces to lay down before you even get started. Like I needed to contact our attorney to find out, well, who can I add to my practice, you know? And so I found out like in our state, I could add any. Medical provider other than like an M.

    [00:14:00] Jessica Nemecz: D. um, or a chiropractor. So I think just making sure that you're laying all the foundational pieces 1st, um, contacting your accountant, your attorney and doing, you know, your dual, uh, due diligence to make sure you have everything in place.

    [00:14:14] Whitney Owens: Yeah, I'm so glad you said that. Years ago, and I was looking at adding a psychiatrist to my practice.

    [00:14:20] Whitney Owens: I had the attorney called medical board in Georgia, you know, and it wasn't an option unless I gave him half the practice. So, in, in our state, if someone's going to prescribe medications at a business, they have to either own half the business or a medical provider, like Someone who can prescribe has to own half the business at the time.

    [00:14:38] Whitney Owens: I was like, like, I'm not ready to partner in that way. Right? Right. So I've been looking for a contractor, but yeah, so you're right. It's that due diligence piece and every practice is different. And every state is different.

    [00:14:51] Jessica Nemecz: Absolutely. And we do have a collaborative position, but she's also an independent contractor.

    [00:14:57] Jessica Nemecz: And the only thing she provides supervision for our nurse practitioners.

    [00:15:01] Whitney Owens: Oh, that's great. That's wonderful. Yeah. Okay. So what other tips do you have for someone that are looking to do an integrative healthcare?

    [00:15:10] Jessica Nemecz: Just knowing, like, why they want to do it, you know, so for us, again, it was about, um, meeting the needs of our community.

    [00:15:17] Jessica Nemecz: So we know, like, in the conventional health care model, you know, things move really quickly, right? Like, you get in to see your doctor. It's like, maybe 10, 15 minutes, because that's all they have. Um, and so for us, we wanted to, like, slow things down. We wanted our clients and patients to be able to come in and, like, um, We, we take our time.

    [00:15:36] Jessica Nemecz: So like our, um, initial assessment for primary care is 90 minutes long. And so during that assessment, our nurse practitioners are really digging into like, you know, the whole story of that person's life, like, you know, their symptoms, their, um, social background, um, anything that could be affecting them mentally or physically, or even spiritually, like we want to know all those things so that we can best meet their needs.

    [00:16:04] Whitney Owens: Mm hmm. Yeah. So you were able to kind of take the model and tailor it for what your practice needs are and what the client needs are. I love that. Um, so I'm curious if you have an opinion on this, do you feel like someone that has a private pay practice would be able to run a model like this or do you think that would be challenging considering what's all involved?

    [00:16:24] Jessica Nemecz: Yeah, I think it depends on the area that they live in. Um, also there are, you know, some similar models to ours, like the direct patient care model, basically a membership. And so they could definitely do something like that and just, you know, have the freedom to spend the time that they want with their patients and clients.

    [00:16:45] Whitney Owens: I don't think I know a mental health practice yet that does that, but that would be really cool.

    [00:16:50] Jessica Nemecz: Yes, I've actually been playing with some ideas about membership for mental health, like what would that look like and what needs wouldn't meet in our community, but it could be a really great option for people that don't have insurance.

    [00:17:03] Whitney Owens: Yeah, and that, um, consistency for them, just knowing that someone's available when they need them. Um, and then for, for us, I was just talking to someone the other day about, it was yesterday actually, and this is not even within the consulting mental health space, but I was talking to somebody about owning a business and I said, you know, membership communities where you have that consistent revenue in your business is very helpful when you're trying to, to grow.

    [00:17:29] Whitney Owens: Yeah, absolutely. Absolutely. Yeah, um, do you have any maybe challenges to share or things to consider reasons not to do this type of practice?

    [00:17:42] Jessica Nemecz: Yeah. So I would say, you know, as a mental health therapist, the highest profit you're going to make is in mental health, right? Because our overhead is a little bit lower than like a medical model would be because by supplies.

    [00:17:55] Jessica Nemecz: Um, so definitely thinking about, you know, the cost of it and if that's something you want to do or not.

    [00:18:04] Whitney Owens: That's a really good point. Yeah, definitely.

    [00:18:08] Jessica Nemecz: Anything else? Trying to think, um, I guess another thing would be because we have longer appointment times, um, like with our patients on the medical side. So, like, even our follow up appointments are at least 30 minutes.

    [00:18:24] Jessica Nemecz: So we don't do the 15 minute model. So it does bring in less revenue, right? And everybody still wants to be paid really well. So just kind of considering, like, can I pay my providers well still with this model? And I definitely think it's doable. It just takes a lot of work to get there.

    [00:18:43] Whitney Owens: Mm hmm. Yeah. I, as a consultant, even with group practices, this, and you probably see this too.

    [00:18:49] Whitney Owens: I mean, that is. 1 of the biggest mistakes is, like, figuring out the right pay and 1 of the biggest challenges. And unfortunately, a lot of times people pay too much and then they go back and they can't make ends meet. Um, so figuring out where's that line between helping someone understand that they're doing great.

    [00:19:05] Whitney Owens: And they're having a living wage, but also protecting your business is. It's tough.

    [00:19:10] Jessica Nemecz: Oh yeah, that's, that's always the balance I'm trying to look for is that win-win, you know, de how can we care people well, but also be able to handle all the overhead and the taxes and the things that we have to deal with as business owners.

    [00:19:24] Whitney Owens: Definitely. For sure. And so where do you see your practice going in the next few?

    [00:19:29] Jessica Nemecz: So my vision is to impact healthcare nationwide. And so we are actually franchising our practice. And so I want to make it available to other business owners and entrepreneurs that would love to just buy a model that's already created with all of our policies and everything in place already.

    [00:19:47] Jessica Nemecz: We've made all the mistakes for them and we can come alongside them and help them open those clinics.

    [00:19:54] Whitney Owens: Wow. That's exciting. Have you started that process yet? Or are you kind of getting that put together?

    [00:19:59] Jessica Nemecz: So we are in the final stages of being able to offer the franchises, so we'll definitely be able to offer them by the end of this year.

    [00:20:07] Whitney Owens: Wonderful.

    [00:20:08] Jessica Nemecz: All right. So if somebody is

    [00:20:09] Whitney Owens: interested in that, what should they do?

    [00:20:12] Jessica Nemecz: Um, so yeah, they could just contact us. Um, they could go to our website and it's tworoadswellnessclinic. com and they can contact us that way.

    [00:20:22] Whitney Owens: Great. Great. Is there anything we missed today that I need to make sure to ask about, about kind of your model?

    [00:20:30] Jessica Nemecz: I'm trying to think if there's anything else. Um, I don't think so. I think we have covered everything. Um, I guess just a couple of like our practice values that support our model. Like I said, we always have people first. So we have the longer appointment times we do like whole person support. So we're looking at, you know, body, mind and spirit.

    [00:20:51] Jessica Nemecz: We're looking for the root, excuse me, the root cause. Um, of the issue. So we don't just treat the symptoms. We're going to keep digging to make sure that we help the person recover fully. We're working as a collaborative team. So like our team comes together, um, on a regular basis to discuss like what's going on with our clients and patients.

    [00:21:12] Jessica Nemecz: And if there's things we need to adjust or, um, Refer them to in house or even refer out to, you know, a specialty practice to be able to meet their needs and then, you know, having the personalized approach. So it's not a one size fits all model. It's what does this person that's in front of me right now need and how can we meet those needs?

    [00:21:34] Whitney Owens: Mm hmm. Yeah. Love it. All right. If somebody is listening and they want to maybe get some coaching from you, maybe they want to start one of these models on their own practice, um, what can you offer them?

    [00:21:46] Jessica Nemecz: So I do offer business coaching. So, um, what I love to do is just help people clarify their vision for their company, and then also like help them with systems and processes.

    [00:21:57] Jessica Nemecz: So if they're interested in that, they can actually go on our website and sign up there. And right now I have a, for them. Okay. Say that again. I didn't hear you. Oh, I'm sorry. I have a discount for them right now. If they go on there, they get 10 percent off. Um, it's take 10.

    [00:22:15] Whitney Owens: Perfect. Um, and then just so everyone, um, if you're just listening and you don't have the show notes in front of you.

    [00:22:20] Whitney Owens: The website is two roads, wellness clinic. com and that's T. W. O. Not the number. So wonderful. And then take 10 there. Awesome. Okay. I do have one more follow up question for you because I think a lot of people are going to be thinking this, um, you own this large practice. You've got 4 boys. How do you take care of yourself?

    [00:22:42] Jessica Nemecz: That's a good question. Um, I love nature. So I tend to go out in our woods a lot and just spend time out there in nature. Um, I love like art and music and that kind of thing as well. And then just spending time with our, our family and my friends. I

    [00:22:59] Whitney Owens: love that. I can just like picture, picture your home and the woods and how beautiful I'm sure all that is.

    [00:23:08] Whitney Owens: Yeah, it's really wonderful. Well, thank you so much. I appreciate your time on the show today. You definitely have a wealth of information. So I want to encourage people to follow up with you for follow up questions and thank you for taking the time to be on the show. You Whitney, have a good day.

    [00:23:45] Whitney Owens: Special thanks to Marty Altman for the music in this podcast. The Wise Practice Podcast is part of the Sitecraft Podcast Network, a collaboration of independent podcasters focused on helping people live more meaningful and productive lives. To learn more about the other amazing podcasts in the network, head on over to sitecraftnetwork.

    [00:24:05] Whitney Owens: com. The Wise Practice Podcast represents the opinions of Whitney Owens and her guests. This podcast is for educational purposes only, and the content should not be taken as legal advice. If you have legal questions, please consult an attorney.


James Marland
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