Q1 2025 Newsletter | Pierce Group Benefits

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PIERCE GROUP BENEFITS 2025

FEATURED ARTICLES

PUBLIC SECTOR EMPLOYEE BENEFITS & WELLNESS TRENDS IN 2025

EXERCISE: STRATEGIES FOR STAYING ACTIVE YEAR-ROUND

TIPS & TRICKS TO HELP YOU STICK WITH YOUR NEW YEARS RESOLUTION NEW YEAR HEALTHY RECIPES & MORE

PUBLIC SECTOR EMPLOYEE BENEFITS & WELLNESS TRENDS IN 2025 FEATURED

As we approach 2025, the public sector is witnessing significant shifts in employee benefits and wellness programs. These changes are driven by the need to attract and retain top talent, enhance employee well-being, and adapt to evolving workplace dynamics. Here are some key trends shaping the future of employee benefits across the public sector:

1. MENTAL HEALTH AND WELL-BEING PROGRAMS

Mental health has become a paramount concern for employers, with 47% of employees identifying work-related stress as the primary factor contributing to their declining mental health, and the public sector is no exception. In 2025, we can expect to see an expansion of mental health resources, including:

• Teletherapy and Counseling Services: Providing employees with access to mental health professionals through virtual platforms, making it easier to seek help.

• Employee Assistance Programs (EAPs): Enhancing EAPs to offer more comprehensive mental health support and resources, including stress management and resilience training.

2. SUSTAINABILITY AND ENVIRONMENTAL RESPONSIBILITY

Public sector organizations are increasingly recognizing the importance of sustainability and environmental responsibility. According to a report by Deloitte, over 65% of public sector agencies have implemented sustainability initiatives to reduce their environmental impact This trend includes:

• Green Benefits: Offering incentives for employees who use public transportation, carpool, or purchase electric vehicles, promoting eco-friendly commuting options.

• Environmental Awareness Programs: Educating employees about sustainable practices and encouraging participation in environmental initiatives, fostering a culture of environmental stewardship.

3. FINANCIAL WELLNESS PROGRAMS

Financial stress is a significant concern for many employees , with 83% of U.S. public sector employees experiencing some form of financial strain.. In response, public sector employers are introducing programs to help employees manage their finances, such as:

• Financial Education Resources: Offering resources and tools on budgeting, saving, and investing, empowering employees with financial literacy.

• Student Loan Repayment Assistance: Providing support to help employees pay off student loans faster, alleviating a major financial burden

• Retirement Planning Services: Giving employees access to financial advisors and retirement planning tools, ensuring they are well-prepared for the future.

4. ENHANCED HEALTH AND WELLNESS BENEFITS

Health and wellness benefits are expanding to address the diverse needs of employees. According to the U.S. Bureau of Labor Statistics, 89% of state and local government employees have access to health care benefits, which may include medical, dental, vision, and prescription drug coverage. Key trends include:

• Comprehensive Health Insurance: Offering plans that cover a wide range of medical services, including preventive care, mental health services, and alternative therapies.

• Wellness Incentive Programs: Encouraging healthy behaviors through rewards and incentives, such as discounts on gym memberships and wellness challenges. Approximately 33% of employees are seeking wellness stipends to help manage higher living expenses.

• Other Health Services & Perks: Encouraging healthy behaviors through rewards and incentives, such as discounts on gym memberships and wellness challenges.

5. TECHNOLOGY-DRIVEN SOLUTIONS

Technology is playing a crucial role in transforming employee benefits and wellness programs. In the next 1-3 years, 69% of HR professionals plan to increase investment in digital benefit platforms to support benefit administration and communication. Innovations to watch include:

• Digital Health Platforms: Providing employees with access to health and wellness resources through mobile apps and online portals, offering convenience and accessibility.

• Wearable Devices: Encouraging physical activity and healthy habits through fitness trackers and smartwatches, integrating technology into wellness initiatives.

• AI and Data Analytics: Using data to personalize benefits and wellness programs to meet individual employee needs, enhancing the effectiveness of these programs.

The trends in employee benefits and wellness for the public sector in 2025 reflect a broader shift towards holistic well-being and flexibility. By adopting these trends, public sector organizations can create a supportive and inclusive work environment that attracts and retains top talent, ultimately leading to a more engaged and productive workforce. As we navigate the future, it is essential for public sector employers to stay ahead of these trends and continuously adapt to the evolving needs of their employees.

By focusing on mental health, sustainability, financial wellness, health benefits, employee recognition, and technology-driven solutions, public sector organizations can ensure they are providing comprehensive and forward-thinking benefits that meet the diverse needs of their workforce. This proactive approach will not only enhance employee satisfaction and well-being but also contribute to the overall success and resilience of public sector institutions.

HEALTHY YOU

EXERCISE:

STRATEGIES FOR STAYING ACTIVE YEAR-ROUND

FINDING YOUR REASON TO MOVE

If prior years are any indication, you can expect gyms will be bustling starting January 1st. There will be lines at the rowing machine and timers on the treadmills. The start of a new year gives many the motivation to begin an exercise routine. However, the best kind of exercise is the one you will do any day of the year –in or out of the gym.

PRICELESS BENEFITS OF EXERCISE

Research shows that those who are physically active are more likely to live longer and healthier lives. Exercise is not all about looking nice or physical achievement. It is a long-term investment in yourself to feel, think, and live better.

Physical activity can lead to many benefits:

• Lower risk of heart disease

• Reduced blood pressure

• Improved blood sugar regulation

• Improved mental health

• Reduced stress

• Stronger bone density

A “HAPPY PLATE” ROUTINE

In the same way that you want your plate to have a balance of types of food, an exercise routine should incorporate different types of movement. There are three types of exercise that have unique benefits. Incorporate each of these into your routine for maximum return.

Aerobic Activity – The idea here is to get your heart rate up! Counterintuitive, making the heart work harder regularly keeps it healthy longer. Doctors recommend most adults set aside two and a half hours a week for aerobic exercise.

Muscle Strengthening – Use weights or bodyweight to challenge the muscles in your back, shoulders, arms, core, and legs. This can be the most intimidating type of exercise to start, as it requires some level of knowledge to prevent injury. Try joining a class or consulting a trainer to get started.

Flexibility – Stretching appears less intense than aerobic or muscle training and so many overlook this type of exercise. Yet, flexibility will have the most benefit as you age. Consider getting in the habit of stretching while watching TV or in-between long periods of sitting.

IF NEEDED, BREAK UP THE ROUTINE

Exercise for you might look like a brisk walk or a spin class. Anything that gets you excited to move is the best option for you. Consider the list below of lesser-known exercise options. Are there any you might want to try?

JUJITSU ROCK CLIMBING

OVERCOMING COMMON BARRIERS TO EXERCISE

Adopting a “whatever it takes” attitude to exercise is essential for your health and future. But nearly 1 in 4 Americans do not get the recommended amount of exercise. Here are some techniques for overcoming common mental barriers to exercise.

Start small – No one goes from couch to 5K in a week (at least not without consequences). Set reasonable goals for yourself with baby steps to get there. Try the 10-minute rule. If you don’t think you have time or feel like exercising tell yourself, you will just workout for 10 minutes. Many find that once they start, they are able to continue longer.

Prepare – Set clothes, shoes, and whatever you might need out ahead of time so that you have fewer physical barriers preventing you from starting your workout. Invite Community – Communicate with others on how you want to prioritize your health and look for those who might provide accountability and encouragement in your journey.

Exercise produces benefits that far outweigh the cost. Research shows people who exercise are less stressed, have lower blood pressure and a better chance at long-term health. Include aerobic, strengthening, and flexibility training in your practice for maximum benefit. The good news is you don’t have to train for the Olympics to have a happy mind and body. Just a few minutes a day will help you move freer and feel better for years to come.

GARDENING KAYAKING YOGA
(HOT YOGA, AERIAL YOGA, POWER YOGA)

TRENDING NEWS

TRENDING NEWS

SOUTH ATLANTIC STATES HAVE HIGHEST TEACHER VACANCIES IN THE COUNTRY

0:23 watch

TIPS & TRICKS

Tips & Tricks to Help You Stick with Your New Years Resolution

The start of the new year brings a fresh sense of motivation and purpose, but it can be difficult to maintain that momentum throughout the year. According to one study, only around 12% of participants felt that they achieved their resolutions, but those who set New Year’s resolutions are 10 times more likely to see a change in their behavior than those who don’t. Here are some tips & tricks to help ensure that you can use to help stick to those new years resolutions and reach your goals.

1. Put Some Back

Now isn’t the time to decide to make major changes in all aspects of your life. If you try to focus your energies in too many different directions, it will be difficult to actually achieve any of your resolutions. Instead, choose one or two resolutions and put your full energy and effort into them.

2. Break it Down - Be Specific

Some of the most common resolutions are spending more time with family, eating healthier, exercising more, and making better financial choices. While these are great resolutions, it is important to take the next step and break them down into smaller, short-term goals that are specific and actionable. For example, if you wanted to achieve any of the goals listed above, consider breaking them down into realistic, concrete goals that you will be able to commit to throughout the year such as: host a family dinner or game night twice a month, only eat take out twice a month, exercise daily for 30 minutes or more, or put aside an extra 5% of your income in savings every paycheck. By breaking down your resolution into actions, you are one step closer to implementing these changes into your daily life throughout the year and seeing the results you desire.

3. Be Realistic

While resolutions are about personal growth and achieving goals, it’s important to make sure that those goals are grounded, and something you can readily achieve. If you’ve never picked up a paintbrush, don’t set a resolution to become the next Picasso. Setting unattainable goals sets you up for failure. Instead, consider making sure that your resolutions are something you can see yourself achieving by the end of the year.

4. Do Your Research

Before finalizing your resolution, take some time to learn more about what it is you’re looking to achieve. If you’re looking to kick a habit, like smoking, do some research on the journey, any potential setbacks you might run into, and a reasonable timeline before you start seeing progress. Not only will this information help you in creating reachable resolutions, but it can help you create a plan to overcome future obstacles that might otherwise derail your motivation

5. Try Something New

If you’ve tried the exact same resolution year after year, why not try something new? By continuing to select the same resolution, it gets easier to fall into the same traps that stopped you previously. Give yourself the chance to try something new and set yourself up for success. If you really want to keep with the same goal, try attacking it from a different angle or modify it so it’s more achievable

6. Find an Accountability Partner

One of the best ways to stick with something is to find others to hold you accountable. Trying to achieve a resolution together can help keep you both motivated and encourage deeper connections.

7. Be Patient with Yourself

It can take on average 66 days for actions to become a habit according to a study posted in the European Journal of Social Psychology. Give yourself time for your new routines to stick and become part of your daily habits – it’ll be worth the wait!

The New Year can be a great time to get a fresh start, to challenge bad habits, and develop new routines. While it can be difficult to stick with New Year’s resolutions, it can be incredibly rewarding to see the positive changes you’re making in your own life. It isn’t about perfection; it’s about progress – always remember to be kind to yourself and celebrate your wins along the way!

KNOW YOUR BENEFITS

Know Your Benefits

PET BENEFITS

TOTAL PET PLAN

Total Pet Plan brings the best brands in pet care together to create a bundle that covers everything your pets need. Receive benefits from PetPlus, Pet Assure, AskVet, and ThePetTag at one low payroll deduct rate.

You can also receive a durable ID tag from ThePetTag that can be scanned if your pet goes missing, bringing them home faster than a microchip. All of these services are offered with no annual membership fee.

Total Pet Plan covers any dog or cat. There are no restrictions due to the age, breed, or health of your pet. If you own an exotic pet, they are also covered by Pet Assure’s veterinary visit discounts. All benefits have unlimited usage for the pets enrolled.

THE CULINARY CHRONICLES

NEW YEAR HEALTHY RECIPES

KICKSTART YOUR WELLNESS JOURNEY

As we step into the New Year, it’s the perfect time to embrace healthier eating habits. One of the most effective steps for losing weight is to maintain a healthy calorie deficit. A calorie deficit occurs when you consume fewer calories than your body needs to maintain its current weight, prompting your body to use stored fat for energy. To achieve a healthy calorie deficit, focus on nutrient-dense foods that provide essential vitamins and minerals without excessive calories. This way, you can feel satisfied while still losing weight.

HOW MANY CALORIES ARE IN A POUND?

It’s widely accepted that there are approximately 3,500 calories in a pound of body weight. This means that to lose one pound, you would need to create a calorie deficit of about 3,500 calories over a period of time.

TOTAL DAILY ENERGY EXPENDITURE (TDEE)

To determine how many calories your body needs to consume to maintain your weight, you first need to know your Total Daily Energy Expenditure (TDEE). This is influenced by factors such as age, sex, weight, height, and activity level. On average:

• Adult women typically require about 1,600 to 2,400 calories per day.

• Adult men generally need around 2,000 to 3,000 calories per day.

Example Calculation

If you find that your TDEE is 2,000 calories per day, consuming 500 fewer calories would mean you would eat 1,500 calories daily. This would create a weekly deficit of 3,500 calories, leading to an estimated weight loss of one pound per week.

THE RECIPES

To stay on track with your health goals, it’s helpful to plan your meals in advance so you can accurately monitor your calorie intake. Here are some delicious and nutritious recipes for breakfast, lunch, snacks, and dinner, complete with estimated calorie counts, serving sizes, and total estimated calories for all meals to help you start planning!

BREAKFAST: SPINACH AND FETA OMELETTE

BREAKFAST BOOST: PROTEIN COFFEE

Start your day with a proteinpacked omelette that’s both healthy and satisfying.

Estimated Calories: 250 per serving

Serving Size: 1 omelette

Ingredients: 2 eggs, fresh spinach, feta cheese, and a dash of olive oil.

Instructions: Sauté spinach in olive oil, add beaten eggs, and sprinkle with feta. Cook until set.

Add a delicious protein boost to your morning routine with this easy recipe.

Estimated Calories: 120 per serving

Serving Size: 1 cup

Ingredients: 1 cup brewed coffee, 1 scoop protein powder (flavor of choice), and 1/4 cup milk (or milk alternative).

Instructions: Blend the coffee, protein powder, and milk until smooth.

THE CULINARY CHRONICLES

SNACK 1: GREEK YOGURT PARFAIT

LUNCH: QUINOA SALAD

SNACK 2: APPLE WITH

This refreshing parfait is a great way to enjoy a nutritious snack that keeps you full.

Estimated Calories: 150 per serving

Serving Size: 1 cup

Ingredients: Greek yogurt, mixed berries, and a sprinkle of granola.

Instructions: Layer Greek yogurt with fresh berries and top with granola for a delicious and satisfying snack.

This vibrant salad is packed with protein and flavor, making it a great midday meal.

Estimated Calories: 350 per serving

Serving Size: 1 cup

Ingredients: Quinoa, cherry tomatoes, cucumber, bell peppers, and a lemon vinaigrette.

Instructions: Cook quinoa, chop veggies, and toss everything together. Chill before serving for a refreshing lunch!

DINNER:

End your day with a delicious and healthy dinner that’s easy to prepare.

Estimated Calories: 385 per serving + 100 per serving (broccoli)

Salmon Serving Size: 4-6 ounces (1 fillet)

Broccoli Serving Size: 1 cup

Salmon Ingredients: Salmon fillets, maple syrup, grainy mustard, and garlic.

Broccoli Ingredients: Fresh broccoli, olive oil, garlic, and lemon juice.

Instructions: For the salmon, mix the glaze, brush it on the salmon, and bake until cooked through. For the broccoli, toss florets with olive oil, minced garlic, and lemon juice, then roast until tender.

TOTAL ESTIMATED CALORIES

This simple snack is both nutritious and satisfying.

Estimated Calories: 200 per serving

Serving Size: 1 medium apple with 2 tablespoons almond butter

Ingredients: 1 apple, almond butter.

Instructions: Slice the apple and dip in almond butter for a delicious snack.

Total for the Day: 1,535 estimated calories. Please note that the calorie counts provided are estimates and can vary based on specific ingredients, portion sizes, and preparation methods. It’s always a good idea to consult with a healthcare professional or a registered dietitian for personalized dietary advice.

These recipes not only taste great but also support your health goals as you embark on a new year. Enjoy the journey to a healthier you!

ALMOND BUTTER
MAPLE MUSTARD GLAZED SALMON WITH GARLIC ROASTED BROCCOLI

IRS INCREASES CONTRIBUTION LIMITS FOR FSAS, HSAS, AND OTHER PRE-TAX BENEFITS:

The IRS has announced an increase in the Affordable Care Act (ACA) affordability percentage to 9.02% for 2025, up from 8.39% in 2024, affecting health insurance plans starting January 1, 2025. This change means that for coverage to be considered affordable, an employee’s share of the premium for the minimum value plan cannot exceed this percentage of their household income. Employers must comply with these new rates to avoid penalties, while employees may qualify for subsidies if their employer’s coverage is deemed unaffordable. (Contributed by McKenzie Peterson)

QUALIFYING LIFE EVENTS: WHEN TO UPDATE YOUR BENEFITS:

While most benefits are elected for an entire plan year, certain circumstances known as qualifying life events (QLEs) allow for changes outside the usual enrollment period. Common QLEs include events like marriage, divorce, birth, or loss of health coverage, which enable individuals to adjust their benefits accordingly. It emphasizes the importance of understanding these events and the necessary documentation required to make changes, ensuring compliance with IRS regulations. (Contributed by McKenzie Peterson)

EMPLOYEE ASSISTANCE PROGRAMS: SUPPORT FOR HURRICANE HELENE RECOVERY:

The impact of Hurricane Helene in North Carolina highlights the urgent need for mental health, financial, and legal support following the disaster. It emphasizes the role of Employee Assistance Programs (EAPs) in providing essential resources, including counseling, financial consultations, and care referrals for families and pets, to help individuals navigate the challenges of recovery and rebuilding. EAPs serve as a vital resource for those affected, offering guidance and support during this difficult time.

The IRS has announced an increase in the Affordable Care Act (ACA) affordability percentage to 9.02% for 2025, up from 8.39% in 2024, as outlined in Revenue Procedure 2024-35. This change affects the maximum amount employees can contribute towards their health insurance premiums, ensuring that the cost for employee-only coverage does not exceed this percentage of their household income. Employers must comply with these new rates to avoid penalties, although they are not obligated to provide affordable coverage for spouses and dependents. Additionally, safe harbor provisions are available to help employers determine if their plans meet the affordability criteria.

IRS INCREASES ACA AFFORDABILITY PERCENTAGE TO 9.02% FOR 2025: READ NOW

MAXIMIZING EMPLOYEE BENEFITS BEFORE YEAREND: READ NOW

As the year draws to a close, it’s crucial to maximize your employee benefits that may reset on January 1. This includes flexible spending accounts (FSAs), dependent care flexible spending accounts (DCFSAs), dental insurance, and vision insurance. To make the most of these benefits, consider scheduling necessary medical appointments, utilizing childcare services, and addressing any outstanding dental or vision needs before the year ends. By planning ahead, you can ensure you fully benefit from your available resources. (Contributed by McKenzie Peterson)

PIERCE GROUP PERSPECTIVES PIERCE GROUP PERSPECTIVES

PIERCE GROUP PERSPECTIVES: DATA MANAGEMENT DEMYSTIFIED

An Interview with Cori Rozentals and Emily Kesead

Hosted by Andrew Marinelli and Kaleb Johnson

6:28 watch

NEW HIRES

Please join us in extending a very warm welcome to our newest team members - congratulations and welcome! We look forward to working with and getting to know you.

UPCOMING BIRTHDAYS

HAPPY BIRTHDAY!

Keep an eye out for these special days in Q1

JANUARY

Devin Draman - January 1st

Brett Hooker - January 1st

Olivia Branch - January 3rd

Liz Laux - January 7th

Cori Rozentals - January 13th

Lynn Conway - January 25th

Wes Guzman - January 29th

Jeffrey Lipack - January 30th

FEBRUARY

Vikki Tollefsen - February 2nd

Annie Snyder - February 6th

Janean Kilgore - February 8th

Jill Pestun - February 12th

Janna Smith - February 15th

MARCH

Vicki Hale - March 1st

Amanda Keim - March 3rd

Joshua Hutchinson - March 6th

Raquel Bootes - March 16th

McKenzie Peterson - March 17th

Ty Gainey - March 25th

Nancy Truett - March 25th

Kerri Gilliam - March 27th

Nichole Cayia - March 29th

Tiffany Seifert - March 30th

Anna Stam - March 31st

Bethany Yarbrough - March 31st

WORK ANNIVERSARIES

WORKAVERSARIES

Thank you for the work you do for PGB and our clients!

JANUARY

Jill Pestun - 7 years

Sharon Borden - 4 years

Ty Gainey - 4 years

Joshua Hutchinson - 5 years

Tiffany Seifert - 1 year

Lisa Bledsoe - 5 years

Chris Gianell - 8 years

Donna St. Claire - 2 years

Becky McKee - 10 years

Janna Smith - 3 years

Brett Hooker - 2 years

FEBRUARY

Jeffrey Lipack - 4 years

Liz Laux - 6 years

Jordan Lee - 1 year

MonseHernandez - 2 years

Lori Kozlowski-McNamara - 5 years

Anna Stam - 4 years

Lexy Messina - 1 year

Veronica Lara - 7 years

MARCH

Annie Snyder - 5 years

Michelle Gunter - 6 years

Sharla Gillespie - 6 years

Karina Branch - 3 years

Bethany Yarbrough - 3 years

McKenzie Peterson - 1 year

Vicki Hale - 4 years

Diane Remes - 4 years

Deja Holley - 4 years

EMPLOYEE SPOTLIGHT

DIANE REMES

Enrollment Technician

Diane Remes, an enrollment technician in the data management department, has been a dedicated professional in the insurance industry since she graduated college in 2017. Diane excels in tackling complex problems that require meticulous attention. She enjoys researching policy statuses on BenSelect and collaborating with her leaders and team to handle unexpected benefits issues, always striving for innovative solutions. Diane loves music, and her go-to productivity trick for completing tasks is to select songs that match the energy she needs to achieve her goals, boosting her motivation. Outside of work, Diane enjoys attending sci-fi and fantasy conventions. She is on the board of a local convention in the Durham-Raleigh area and volunteers for a virtual reality startup providing VR experiences at conventions, aiming to expand into educational opportunities for schools. On an ideal day off, Diane enjoys a mix of relaxation and socializing. She enjoys spending time with her husband and their three cats and meeting up with friends for dinner and some board or tabletop games.

“Diane is a hard-working individual who provides great team support and leadership. She contributes to the team by sharing her knowledge as a trainer. She is always willing to pick up projects that either help the team or allow her to grow in her knowledge.”

Justin VanWyck, a project manager in the data management department, began his journey in the insurance industry in 2016 as a training specialist for West Virginia Medicaid. In 2018, he moved to North Carolina and joined PGB. One of Justin’s favorite aspects of his job is transitioning clients to the 365 BenAdmin platforms, which help reduce their workload and allow employees to seamlessly enroll in benefits year-round. He is passionate about client support, building strong relationships, and ensuring clients get the most out of their systems. Justin holds a bachelor’s degree in public relations with a minor in communications. Outside of work, he enjoys golfing, hiking, and spending time with family and friends. On an ideal day off, you’ll find Justin starting with a long walk with his dog, Kelvin, followed by a round of golf, and ending the day with a nice dinner at his favorite restaurant.

“Justin has provided outstanding support for our clients and team members. He has shown great leadership within the team in suggesting and implementing new processes, ensuring the best outcomes for clients and keeping everyone up to date and on track.”

JUSTIN VANWYCK

EMPLOYEE SPOTLIGHT

TIFFANY SEIFERT

Enrollment Manager

Meet Tiffany Seifert, an enrollment manager in the enrollment and product development department at PGB! Tiffany has recently transitioned to the insurance industry, having been licensed for about 18 months. She brings a wealth of experience from 14 years in media sales at a large cable company and a bachelor’s degree from the College of Charleston. Inspired by conversations with industry professionals, including her husband who has nearly a decade of experience in insurance, Tiffany decided to join PGB. She thrives on the variety and challenges each day brings and takes pride in supporting our benefits counselors to achieve greater success, ultimately benefiting the entire company. Licensed in life and health insurance and LTC certified, Tiffany is a valuable asset to our team. Outside of work, she stays busy with two young children and enjoys working at music festivals across North Carolina, South Carolina, and New Jersey. On an ideal day off, you’ll find Tiffany soaking up the sun at the beach with a good book.

“She is rounding out her first year and has stepped up to the plate in more ways than one. She is driven to understand the business and takes the initiative to gain as much exposure as possible. She completed full BC training, performed two enrollments (scheduling, briefing, and enrolling), attended the majority of the interdepartmental trainings, and developed her own standards for excellence. She is a natural-born leader with a drive and commitment to our culture and goals here at PGB, and we are lucky to have such an amazing enrollment manager.”

“THE GREATEST WAY TO LIVE WITH HONOR IN THIS WORLD IS TO BE WHAT WE PRETEND TO BE”
- SOCRATES

DESIGNED & FORMATTED

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