"Turbulent times can signal a change in tide... The skipper, stifled by a perceived, unknown peril will likely be overtaken by the formidable forces of nature.  But the Captain--courageous by nature is unperturbed. He immediately acts to neutralize impending threats and potential risks before unreefing to set Sail with the Tide, on a new course, in pursuit of the abundant opportunities awaiting discovery in the expansively unfamiliar waters ahead. "

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—Brian S. Carter, President & CEO