VB32963_ISSUE44_110316_OPT

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 51

INSIGHT BOOK REVIEW

fortune. In “Gray Mountain” and another goes missing. We
(2014), an idealistic young law-
yer joins a legal clinic in the meet a Native American on
Appalachian coal country and
learns how cruelly the mining death row who was convicted
companies cheat their workers
and despoil the land. of murder on perjured testi-

His new novel, “The Whis- mony. The FBI eventually en-
tler,” is another ambitious look
at corruption, this time involv- ters the case, and Lacy, who’s
ing a judge. The story begins
with two investigators, Lacy 36, single and attractive, en-
Stoltz and Hugo Hatch, who
work for the Florida Board on joys a cautious romance with
Judicial Conduct, which polic-
es judicial misbehavior. They one of the agents.
are approached by a whistle-
blower, a disbarred lawyer, Although “The Whistler”
who asks if they want to inves-
tigate “the most corrupt judge reads as first-rate fiction, it
in the history of American ju-
risprudence.” takes on the feel of a docu-

He points them toward a mentary as Grisham’s compli-
Native American-operated ca-
sino in the Florida Panhandle cated crime unfolds in great
that takes in a half-billion dollars a year
in cash and a ruthless gangster whom detail. The Native Americans,
the Native Americans fear. When some
members of the tribe opposed the ca- inundated with cash, face un-
sino, the gangster had them killed.
Now he shares the profits with the foreseen dangers. The gang-
tribe’s leaders and they’re all protected
against legal challenges by a corrupt ster, who has advanced from
state judge. Each month the gangster
takes the judge a briefcase containing dealing cocaine to leading a
$250,000 in cash; this has been going on
for 11 years. criminal empire, thinks him-
The FBI, busy with its pursuit of
terrorists, shows no interest in the self untouchable. The judge
corrupt casino. The two investigators
thus proceed on their own, know- glories in her ill-gotten wealth:
ing their inquiry may be dangerous.
“We’re not cops with guns,” Lacy says. “She went to her vault and John Grisham
“We’re lawyers with subpoenas.”
Her concern is justified. One person spent a few moments admir-
is soon murdered, one is badly injured
ing her ‘assets,’ goodies she’d

John Grisham is one of this country’s been collecting for so long that she tler” is a fascinating look at judicial
best-selling novelists – and he is also an
important social critic. In more than 30 now believed she deserved them. Cash corruption – an entirely convincing
novels, he has often used his exception-
al storytelling skills to take a hard look and diamonds in small, portable, fire- story and one of Grisham’s best.
at injustice and corruption in the legal
world and in our society as a whole. proof safes. Locked, steel cabinets I can’t think of another major Ameri-

His first novel, “A Time to Kill” (1989), filled with jewelry, rare coins, vintage can novelist since Sinclair Lewis who
written when he was a young lawyer
and state legislator in Mississippi, was silver goblets and cups and flatware. has so effectively targeted social and
a searing look at Southern racism, as a
black man went on trial for killing two ... All of it had been acquired by casino political ills in our society. Lewis’ scath-
men who raped his daughter. In “Syca-
more Row” (2013), he brought back Jake cash, skillfully laundered.” ing portraits of our Main Streets, Bab-
Brigance, the lawyer-hero of “A Time to
Kill,” to represent a black housekeeper She’s supremely confident, sure she’s bitts and Elmer Gantrys won him the
who had been willed $20 million by a
white man she nursed as he lay dying; above the law – because she is the law. Nobel Prize for Literature in 1930. In
this time Brigance was fighting not rap-
ists but respectable citizens who in- But inevitably the wheels of justice Grisham’s case, it is time at least to rec-
tend to relieve the housekeeper of the
begin to turn. This is, after all, a Grish- ognize that at his best he is not simply

am novel, and the story winds down the author of entertaining legal thrill-

with the kind of legal drama readers ers but an important novelistic critic of

have come to expect from him. our society. 

In a recent interview with Enter-

tainment Weekly, Grisham quipped THE WHISTLER
BY JOHN GRISHAM
that while he was writing this book, Doubleday. 374 pp. $28.95.
his wife had asked him to get off his Review by Patrick Andersen, Washington Post
soapbox. Readers can be grateful that

he didn’t heed that advice. “The Whis-

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52 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

INSIGHT PETS

Bonz takes to Tiki Taco Tuesday, a bouncy Yorkiepoo

Hi Dog Buddies! before, but they picked me cuz I was so Tiki Taco Tuesday. PHOTO BY DENISE RITCHIE
cute and FRENly, and I only weighed 2 ½
This week I interviewed a giddy little girl pounds. Which isn’t that much. I took to ‘em “I run around here chasin’ lizards – “Mom and Dad use ta have this
pooch named Tiki Taco Tuesday Seba. She’s right away, and I got along real well with but not catchin’ ‘em. And Mom and Dad RULE: No Dogs In Bed. They NEVER EVER
a Yorkiepoo and she was SO bouncy and SO Molly pretty quick, too, soon as I learned haf to watch out for Birds of Prey so they let their OTHER dogs sleep with them. But
happy, I was still smiling all the next day! not to jump in her face. She’s in Dog Heaven don’t swoop down and GRAB me. Mom sez Mom says I wormed my way into their
with Bella now. She taught me a bunch of I’m just the right size for a Hawk’s Lunch. hearts. So they changed the rule. And now
She Bounced when she greeted me and Important Dog Stuff. Specially potty Train- But I’d just punch that ol’ hawk right in the I get to snuggle with ‘em.”
my Assistant at the door. She Bounced right ing. Molly useta let me go outside with her beak! I’d show HIM!”
up for the “Wag(Bounce)-and-Sniff.” She so I could practice Doing My Duty like the Heading home I was smiling, thinking
Bounced when the rest of us were getting Big Dogs do. I still sometimes go on papers “I have no doubt,” I said. “But it’s better about happy, bouncy little Tiki Taco Tues-
settled in. Well, you get the idea. The only in the shower, but I’m doing Much Better.” to be on the safe side.” day. And about cheese.
time she wasn’t Bouncing was when she was
playing Fetch-the-Squeaky-Pig with my As- As Tiki told her story, she was zipping “True. This neighborhood is so frenly. Till next time,
sistant. Then she was pretty much Flying. back and forth. I felt like I was watching a Mom takes me for rides around the hood in
But she still managed to introduce us all and tennis match. I was getting a little dizzy. her bike basket; I get chewy rawhide bones The Bonz
to tell her story. from my vet; I hang out on the lanai. I help
“Bein’ around humans is The Best!” Tiki Mom ‘Garden,’ which I found out just means Don’t Be Shy
“I’m really excited that you’re gonna continued. “My boyfriend is Greg. He’s a Hu- digging in the dirt. Sometimes Mom takes me
write about ME. I mean, I’m only 7 months man. He lives across the street. When I hear to H.A.L.O. (that animal shelter in Sebastian) We are always looking for pets
old, so I’m still learnin’ stuff. This is my his voice, I Beeline right over. PLUS, his dog when she goes there to help paint shelves. with interesting stories.
Mom and Dad, Pam and Stacey. I’m Tiki Jake and me are dog buddies. He’s bigger’n
Taco Tuesday Seba. You can call me Tiki. me. But that doesn’t scare me. I love Big Dogs. “Oh, and, I love cheese!! Do you love To set up an interview, email
Or Taco. Or Tuesday. Or like Mom and Dad They’re Wa-ay Cool. And they aren’t yappy. cheese? My Dad loves cheese a LOT! When I [email protected].
sometimes do – Tiki Tock or Leaky Tiki (but When we go to the Dog Park, I try to jump hear the cheese wrapper crinkling, I rush to
not that one so much anymore, since I do over the fence into the Big Dog Section.” the kitchen and give dad my Big Puppy Eyes.
better now, cuz I’m all grown up almost). So, of course, he gives me a piece of cheese.
“You have a lotta Spunk,” I told her.
“I think Tiki will work very well, young “I KNOW! When we had that Hurry-cane
lady,” I said. “So, tell me how you and your I wasn’t scared one bit. I loved splashing in
Mom and Dad got together.” the Hurry-cane puddles. But guess what,
Mr. Bonzo. I went to Obedience School
“OK. Well, Mom and Dad had a dog, Bella, at the Humane Society and there was a
who went to Dog Heaven, and another dog, Standard Poodle in my class named Bear. I
Molly, who was blind. So, one day, they were could run under his tummy without duck-
at this big building with lotsa of Stuff for Sale ing. We had fun. But, me and Bear, well,
and lots of humans all over the place – called we’re Obedience School Drop-outs.”
a Flea Market. But I never saw any fleas and “Not every pooch needs a Formal Edu-
I don’t know why anybody’d want fleas any- cation,” I observed diplomatically.
how. So, there was this nice part of it where “That’s what I said, too! But sometimes I
they were selling puppies. Fresh picked, not forget The Rules. Specially Rule No. 11: Paper
flown in. A bunch of us puppies were hang- Products Are NOT Toys! But Bonzo, when
ing out. Most of ‘em were snoozing but I you find a nice big, soft roll of toilet paper,
was all excited cuz I love people and, I don’t well, do you KNOW how much FUN that is?”
know if you noticed, I LOVE Bouncing. So I I nodded.
was doin’ a lotta that!” “When I do Get Into Stuff, Totally By Ac-
cident, I try to be Cool and Not Let On. But
“As a matter of fact, I did notice,” I told Mom says she always knows cuz I have this
her, smiling behind my paw, and writing strut. She gets me every time. She’s really
really fast. smart.

“Mom and Dad never had a small dog

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 53

INSIGHT GAMES BRIDGE

BELIEVE THE CARDS OF YOUR OPPONENTS WEST NORTH EAST
542 A 10 9 7 K
By Phillip Alder - Bridge Columnist J3 8764 A K 10 5 2
K98432 A5 J 10 6
John Buchan, 1st Baron Tweedsmuir, a Scottish novelist, historian and politician who 10 3 KQ6 J974
served as Governor General of Canada, said, “Every man at the bottom of his heart
believes that he is a born detective.” SOUTH
QJ863
A bridge player needs to be a detective. There are clues littered around every deal, Q9
just waiting to be interpreted correctly. Q7
A852
In this week’s deal, first there is a bidding question. North opens one club, East
overcalls one heart, South responds one spade, and North raises to two spades. Dealer: North; Vulnerable: Both
What should South do now?
The Bidding:
Then we don our deerstalker and decide what South should do in four spades. West
leads the heart jack. East wins with his king, cashes the heart ace, and continues with SOUTH WEST NORTH EAST OPENING
the heart five. When South ruffs up with the spade six, West discards a diamond. How Pass 1 Clubs 1 Hearts
should South continue? 1 Spades 2 Spades Pass LEAD:
?? J Hearts
If responder bids one of a major and is raised by opener to two of that major,
responder passes with nine losers, insists on game with seven losers, and makes a
game-try with eight losers. So, here, South, over two spades, continues with three
clubs. Then North should jump to four spades because he has good clubs, two aces
and four-card spade support.

South, who must hold his pointed-suit losers to one, would usually take the spade
finesse. However, if West had that king, surely he would have overruffed at trick
three. South should lead his spade queen, then put up dummy’s ace. Here, the king
drops, and declarer can claim. But if the king does not appear, South plays another
trump and hopes clubs are 3-3 or East can be squeezed if he has four clubs and the
diamond king.

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54 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

INSIGHT GAMES & CO.

SOLUTIONS TO PREVIOUS ISSUE (OCTOBER 27) ON PAGE 74

ACROSS DOWN
1 Yearn (4) 2 Relation by marriage (23)
4 Marker (3) 3 Occupied (7)
6 Listen to (4) 4 Pacific country (5)
8 Motto (6) 5 Benediction (7)
9 Raincloud (6) 6 Macho type (23)
10 Bad errors (3,5) 7 Droll (7)
11 Pin (4) 10 Strange (3)
12 Cranefly (544) 13 Worry (7)
17 Way out (4) 14 Flyer (7)
19 Sporty, fit (8) 15 Away from wind (7)
22 Sly person (6) 16 Thus (3)
23 Show off (6) 18 Discernment (5)
24 Exaggeration (4) 20 Brawny (5)
25 Plaything (3) 21 Secret (5)
26 Filth (4)

The Telegraph

How to do Sudoku:

Fill in the grid so the
numbers one through
nine appear just once
in every column, row
and three-by-three
square.

The Telegraph

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 55

INSIGHT GAMES & CO.

ACROSS 73 1972 Derby DOWN perhaps The Washington Post
winner, 1 _In full fanfare 53 ___ Loops cereal
1 Debussy’s ___ Ridge 2 Lumberjack, e.g. 57 “Iron deficiency IF I WROTE THE DICTIONARY 2 By Merl Reagle
Afternoon 3 “Rumble in the
of ___ 74 Jazz drummer anemia” tonic
Blakey Jungle” guy 58 Mitt
6 Experiences 4 Supreme: abbr. 60 Ol’ Mr. Ford
9 The A in CAT scan 75 Cut, as locks 62 Make one’s case
14 This is your last 76 Nicaragua’s 5 TV ratings 64 Sister of Moses
6 Nessie and 66 Work unit
notice Chamorro 67 Carefree refrain
18 (adj.) having a beat him in 1990 others 68 Heist tally
77 (n.) H2O, in 7 Cinematography 70 Tech. or admin.
ringing sound Poland
20 (v.) to make soup 79 Bigot’s emotion soc. grade in the Army
22 (n.) the condition 80 Rue de la ___ 8 16th- or 72 Schoolbook
81 One way to get 75 North China
of having not information, 20th-century
enough light to before Jane province
read in smartphones 9 IRAs, e.g. 76 Decides
23 (n.) onion farming 83 Greenish-blue 10 Tic-tac-toe choice 77 1954 comedy,
24 Bardot’s bad hue 11 Death Valley’s
25 Not strict 85 Mr. Guinness county Francis Joins the
26 Chiming-in words 86 Home run gaits, 12 Kyushu volcano ___
28 Bunker and typically 13 German guns 78 Actress Powers,
Clavell 88 Type of triangle 14 Some Dodges for short
29 (adj.) pertaining 91 Like bullies 15 It’s hooked 82 “We have met the
to clean walls 93 Thes. entry 16 Agony of the feet, enemy and he
(literally, “before 94 Down Under sometimes ___” (Pogo)
the invention of denizens 17 Hardy’s “Pure 84 Picnic drink
placards”) 96 Finishes (up), as Woman” 87 Washington State
33 Noir et blanc mix gravy 19 Demo backer? airport
34 Expunge 98 Classical or 21 Lifesavers? 89 Jacob’s twin
35 Dino’s tail? classic rock 22 Mini-minx 90 Bridge bid
36 Pear type 101 Setting for a roast 27 Chartres’ river 92 National Dog Day
37 Certain enlistee, 102 (adj.) adept at 30 Comps mo.
briefly doing mazes 31 Verb ending, 95 Error
40 Fedex 105 Lies ahead literally 97 1979 NBA
42 “As ___ ...” 108 Search thoroughly 32 Mrs. Gorbachev champs, briefly
(witness words) 110 Taker of vows 33 Rough game? 99 Greek island
45 Young hog 111 Wheel of Fortune 36 Ink mishap named for a
47 Singer Redding purchase 37 (adj.) pertaining mythical son who
50 Uses curlers 112 (adj.) obsessed to doors fell into the sea
52 On ___ (switch with fixing things 38 (n.) a low-fat 100 The Promised
choices) 114 (adj.) tending candy Land
54 Bat lead-in to own only 39 They left the 101 Slew
55 Cows, old-style one piece of Winnebago and 102 Fencing needs
56 (n.) a strutting photographic settled near the 103 Brasi of The
egotist equipment at a Iowa River Godfather
59 Avis car sign time 41 1990s singer 104 Like Abner
61 News flashes: 118 (n.) a male doctor whose name is 105 Bullets
abbr. 119 (n.) the concept of one letter short of 106 It makes a tire
62 Debate side computers in the being a Napoleon bald
63 Raines of filmdom classroom fiancee 107 The King and I
64 Newspaper’s 120 Escape-route city 43 Old locomotive role
library in Casablanca follower 108 Evening, to Yves
65 Copy clumsily 121 OK Corral 44 Pianist Claudio 109 Zodiacal border
66 (n.) the art of brothers 46 ___ ten (surf) 113 George’s brother
giving campaign 122 N, E, W, and S 47 Cajun veggie 115 Crooner Cole
speeches 123 Bottled water 48 (n.) a small urn 116 Dallas player, for
69 Mr. Hyde’s brand for gratuities short
creator, briefly 49 (n.) camping 117 British record
71 Coq au vin, e.g. 51 At a motel, the label
third room on the
second floor,

The Telegraph

56 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

INSIGHT BACK PAGE

‘Foreign’ policy: Freaking out about overseas in-laws

BY CAROLYN HAX band when your approach to real concerns is to harbor Many extended-family situations, unfortunately,
Washington Post them in silence; or that external reassurance will have survive on these fragile détentes. But marriages die
any productive effect on your “freakout tendency.” from them, if not from the fighting, then from the
Dear Carolyn, loneliness of being so guarded.
I have a tendency to freak out These three points address the three primary rela-
unnecessarily, so I need some tionships at work here – parents with husband, hus- And I can’t think of any more substantial matters
outside reassurance. I am an band with you, you with yourself. They may seem for a couple to talk about than what they hope for,
American, born and raised, who to be working OK, and in fact I suspect you all get where they hope to be and where they stand with
married an immigrant two years along, which is essential, of course. their families.
ago. We have a wonderful rela-
tionship, and he is a great guy. It just isn’t enough. When the main reason you Do you know your husband’s view on all this?
Here’s the freakout: Because his family is abroad, I’ve get along is that you studiously avoid talking about Have you ever asked, in direct response to his fam-
only been getting to know them slowly. The more we anything substantial, it follows that a mere whiff of ily’s expressed expectations?
interact, the more I realize they worship their son and substance will have the power to destabilize the re-
fully expect him to return home to lead their country lationships. How would he describe his relationship with his
to greatness. (No kidding.) parents? Have you asked whether he feels pressured
I don’t mind their country, but I have no intention and, if he does, how he intends to respond? Or how
of moving there permanently. Also, while I love their he feels even about the idea of leadership?
son, I don’t worship him blindly the way they seem
to. I feel that parental pressure could really hurt our Has he asked you where you stand on all this?
relationship in the long run. I also feel myself being What is your history together on compromise – flex-
colder to the parents out of self-defense. My husband ible and mutually accommodating, or do you both
has a very good relationship with them. What to do? tend to dig in?
– The Parent Trap
A pattern of avoiding these issues is, not coinci-
Dear 'Parent Trap': dentally, a freakout tendency explained: When your
I don’t mean to pile on, but I’m skeptical of three response to impending conflict is to do nothing
statements you make, and they happen to be three about it but wait, then that’s going to make you anx-
of the only four positive ones. ious.
I don’t think that your husband can have a “good” re-
lationship with parents who “worship” him; or that you You feel doomed and out-of-control – a self-mag-
can have a “wonderful” relationship with your hus- nifying pair.

Start talking about these things. “I’ve thought a lot
about your parents’ visit, and I fear they have their
own ideas for our future.”

It won’t change the fact of a conflict; if there is one,
it’s coming regardless. It simply allows you to act, in-
stead of divine, dread and react. 

I skipped my 30s, and it was a decade well-saved

BY GARRISON KEILLOR

I saw one of my novels at a yard sale last week and it aboard the Pequod for the general interest. Efficiency is my fo-
appeared to have been used as a coaster. The interior was “Why not get yourself a chain to hang around your neck cus now, moving swiftly
quite pristine, but there were rings of rust on the cover through necessary tasks
where wet glasses had been set. It was on sale for 35 cents. and attach your reading glasses to?” says Madame, trying — shower, breakfast,
Had I known I was only writing a coaster, maybe I wouldn’t to be helpful. Because I am not an elderly reference librar- morning paper, and
have worked so hard on the themes and motifs, the con- ian, that’s why not. glide out the door in
notations and so forth, but that’s just the way life is. There’s one uninterrupted mo-
a lot of wastage. No way around it. Life is short enough without wasting big swatches of it tion while picking up
on self-pity and despair, and that is why I skipped my 30s billfold, cellphone, both
You take your kids to the ballpark to experience the great and tacked that decade onto my 60s when I had a better pairs of glasses, laptop
pastime, and to your dismay, they insist on ketchup rather handle on things. It was like daylight saving time except in in briefcase, car keys, and kiss Madame as I take the cup
than mustard on the bratwurst and they decline the kraut. decades. of coffee from her hand, no bumbling, no doddering. My
Ketchup on a brat is like cream cheese in your coffee, but desk is orderly, the meetings I chair are models of succinct-
they insist. And then, in the bottom of the sixth, the thrill- Back in the day, before America took up child worship ness. My prose — can you tell? — is what Strunk & White
ing double play — a sizzler to short, the underhand toss and children were cosseted and counseled and therapized had in mind. And I now have three hours of free time in the
to second, the sharp throw to first, the runner caught by and bestowed with every known comfort, it was the keen afternoon that I didn’t used to have.
half a stride — and you look over at your kids and they are desire of every young person to become older. When I was
texting. 9, I longed to be 15. At 15, I wanted to be 21. I honestly feel that Moby-Dick would be a better novel
without the whale. Old Cranky Pants with peg leg obsess-
Hey. So I skipped my 30s. I grew a beard, moved to the ing over an albino fish? Give me a break. In my version,
Hey.Wear R U? country, wore old farmer clothes, got a job in radio, took Captain Ahab is harvesting squid, which is high in ome-
Twins game. up bluegrass with its maudlin ballads about shedding ga-3 and low in saturated fats. The crew puts in at least an
OMG. Kewl. tears on the flowers of the grave of the one whom you hour of vigorous capstan-winding every day. Queequeg
K. betrayed, and adopted the identity of an elderly share- and Ishmael are gay, and nobody is perturbed by that.They
They missed the OMB play of the game. Two hours, cropper. collect their share of the squid profits and buy a house on
wasted. Nantucket and never go to sea again. It is a huge waste of
With the time I’ve wasted over the past 40 years looking Now that I truly am old, I have that decade saved up, to time to be a tragic hero on a big quest. I have avoided that
for my reading glasses, I could have written Moby-Dick spend wisely. I don’t write novels anymore — other people and you should, too.
and written it better. Not all that yik-yak about melancholy do it so much better — and I don’t play golf: Two hours of
and breakfast and the nature of evil, but cut to the chase self-loathing is not fun. I am thinking of giving up baseball. Garrison Keillor, longtime host of “A Prairie Home Com-
and harpoon the dang whale and bring a couple dames I realize it is iconic, but I’m Episcopalian, and we have all panion,” writes a column for the Washington Post.
the icons we can handle. Self-pity? Gone. Ditto, despair. I
do not stew about the fate of the country, and that saves
me about 45 minutes a day.



58 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

HEALTH

Sleep disorders increase stroke risk, harm recovery

BY MARIA CANFIELD
Correspondent

A new study concludes that certain experienced. It was found in 72 per-
types of sleep disorders increase cent of those who had an ischemic
the risk of stroke and, if untreated, stroke, which occurs when blood
can hamper stroke recovery. That flow to the brain is blocked, and in
backs up what Vero sleep special- 63 percent of those who had a hem-
ist Dr. John Suen has learned from
other studies, prompting him to put
a list together of treatment options
to get more and better sleep in the
hopes of preventing stroke.

The research team, from Uni-
versity Hospital Essen in Germany,
conducted a meta-analysis, which
means they analyzed the results of
previous studies – 29, to be precise.
These 29 studies involved over 2,300
patients who had experienced some
form of stroke. Results were pub-
lished in the journal “Neurology.”

In their analysis, the research-
ers found that a sleep disorder was
present among a significant per-
centage of stroke patients, with the
percentage varying depending on
the type of stroke the patient had

Dr. John Suen. PHOTO: DENISE RITCHIE

“Having a sleep disorder is a risk factor for stroke
for two main reasons: it decreases oxygen levels and
our bodies then compensate by creating a surge in
hormones,” says Suen.“These hormones can cause

damage to blood vessels.”

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 59

HEALTH

orrhagic stroke, which happens had a transient ischemic attack (com- The most well-known is insomnia, but few stroke patients are tested for them.
when an artery in the brain rup- monly called a mini-stroke or TIA), there are other types: Study co-author Dr. Dirk M. Hermann
tures or leaks. in which blood flow to the brain is says, “The results of our review show
blocked for less than five minutes.  Hypersomnolence, in which that should change, as people with
Suen, who is medical director of While less serious than ischemic or there is prolonged nighttime sleep or sleep disorders may be more likely to
Sleep Disorders Center Florida, says hemorrhagic strokes, a TIA is a warn- excessive daytime sleepiness. have another stroke or other negative
those results are consistent with ing sign, and about a third of people outcomes than people without sleep
what past studies have shown. who have a TIA will go on to have a  Circadian rhythm sleep disor- problems.”
major stroke within a year. ders, in which people are unable to go
The type of sleep disorder the re- to sleep or wake up at “normal” times. John Suen is board-certified in sleep
searchers were able to associate with There is another category of sleep medicine, pulmonary disease, internal
strokes is called “sleep-disordered disorders called sleep-wake disorders  Restless leg syndrome, charac- medicine, and critical care medicine.
breathing” and are characterized that the team from Germany says may terized by unpleasant sensations in Sleep Disorders Center Florida is an ac-
by abnormal respiratory patterns, increase stroke risk and hinder recov- the legs and an uncontrollable urge to credited medical treatment center for
either in the form of apnea (the per- ery, but the evidence was weaker than move them. all sleep-related issues. It is located at
son stops breathing for 10 seconds or for sleep-disordered breathing. Sleep- 3735 11th Circle #103 in Vero Beach; the
more, waking up just enough to take wake disorders reduce sleep duration.  Nightmare disorder, which is ex- phone number is 772-563-2910. 
a breath) or hypopnea (the person’s actly what it sounds like.
breathing becomes shallow for 10
seconds or more). Sleep disorders are also common
after a stroke, but researchers say very
“Having a sleep disorder is a risk
factor for stroke for two main rea-
sons: it decreases oxygen levels and
our bodies then compensate by
creating a surge in hormones,” says
Suen. “These hormones can cause
damage to blood vessels.”

There is good news: while the re-
searchers found that sleep-disor-
dered breathing persisted during
stroke recovery, they also discov-
ered that the symptoms improved
with treatment. Suen says the gold
standard is the use of a continuous
positive airway pressure (CPAP) ma-
chine, which provides a constant
flow of air through the nasal pas-
sages during sleep.

There are other treatments avail-
able for those who can’t tolerate the
use of a CPAP machine; some are
fairly new to the market. Suen’s list
includes:

 Nose plugs that utilize nasal ex-
piratory positive airway pressure
(EPAP). “There’s some resistance
when the person breathes in, which
keeps the throat open,” Dr. Suen
says. “It’s like a CPAP, without the
electricity.” It is usually used in mild
cases.

 For mild to moderate cases,
there’s a custom-made dental ap-
pliance that pushes the jaw forward
and opens up space at the back of
the throat.

 For moderate to severe cases,
there’s an implantable device that
sends tiny electrical signals to the
tongue; these signals stiffen the
tongue, preventing it from going
backwards in the mouth. Dr. Suen
says, “It basically works like a pace-
maker; it’s used for moderate to se-
vere cases.”

Surgery is also possible, although
it’s not a first-line treatment option.
The procedure is called an uvulo-
palatopharyngoplasty (UPPP); it re-
moves excess tissue in the throat to
make the airway wider.

Sleep-disordered breathing was
present less frequently – 38 percent
of the time – for those patients who

60 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

HEALTH

GERD grief: Heartburn may hide more serious woes

BY TOM LLOYD Dr. Alejandro Perez. PHOTO: DENISE RITCHIE
Staff Writer

Somewhere between 40 percent
and 50 percent of today’s seniors
have one or more age-related diges-
tive problems.

According to the Cleveland Clin-
ic, those include constipation, ir-
ritable bowel syndrome, peptic ul-
cers, hemorrhoids, diverticulosis
and gastroesophageal reflux dis-
ease (or GERD).

GERD is among the most com-
mon of these and is often referred
to as heartburn, acid reflux or acid
indigestion.

Dr. Alex Perez, a gastroenterolo-
gist with the Sebastian River Medi-
cal Group, first points to the bright
side of GERD treatment. “Medicines
nowadays, especially for things like
gastritis or acid reflux, have really
revolutionized how we treat those
kinds of symptoms. They’re far, far
more effective than older medica-
tions.”

Then Perez’s tone turns more se-

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 61

HEALTH

rious. “If you’re on an acid medicine says. “The cells in your esophagus ple can’t distinguish the chest pain or five years that has had reflux.”
and you’re not having an optimal have changed as a way to protect symptoms of acid reflux from those Other warning bells that might
response or you have persistence themselves from the stomach acid of a heart attack.
of symptoms, that’s absolutely the and that change in cell type is a pre- trigger a visit to a primary care pro-
time to see a specialist,” he warns. cursor to cancer,” he explains. Chest pain that often occurs vider or a specialist such as Perez can
when stomach acid sloshes up into include difficulty or pain in swallow-
Acid reflux is reportedly the most “The overall risk of developing the esophagus – a classic acid reflux ing; a feeling of involuntary regurgi-
common upper gastrointestinal [cancer] is much higher than in symptom – can sometimes cause tation or sensing that food is coming
disorder in older adults. The Ameri- somebody who does not have that people having a heart attack to back up your esophagus after swal-
can College of Gastroenterology es- [acid reflux] condition,” says Perez, reach for their Maalox, Prilosec or lowing; unexplained weight loss or
timates more than 60 million Amer- adding that increased risk requires Nexium instead of calling 911. anemia; and visible bleeding or black
icans experience heartburn at least follow-up procedures like endos- stools.
once a month. Studies suggest more copy. In other words, says Perez, chest
than 15 million older Americans ex- pain should never be ignored. If Meanwhile, there are warnings
perience heartburn symptoms ev- Perhaps even scarier, most peo- chest pains happen more frequent- that chronic usage of antacids can
ery day. ly when you exert yourself or if you effect absorption of important vita-
have high blood pressure or a his- mins and minerals. By extension that
As common as it is, it can lead tory of cardiac problems, do not as- could increase the risk of problems
to far more serious problems, even sume that pain is being caused by like osteoporosis.
causing other life-threatening acid reflux.
symptoms to be ignored. And while certain seemingly unre-
Seek immediate medical atten- lated medications commonly taken
At the entrance to the stomach tion. by many older Americans – includ-
there is a valve called the lower ing some blood pressure medications
esophageal sphincter. Under nor- On a more optimistic note, Perez – can contribute to heartburn, there
mal circumstances, this valve clos- says if your symptoms improve with may well be readily available alterna-
es as soon as food or liquids pass your usual heartburn treatment, tives.
through it into the stomach. But if it’s less likely to be pain related to
it doesn’t close, stomach acid can cardiac issues. “You wouldn’t have “Nowadays [acid reflux] medi-
then move upwards into the esoph- improvement in a heart attack with cines are so effective at what they
agus. Maalox, so that does provide good in- do that if you don’t respond to them,
formation.” that’s when we start to say, Hey,
According to the Mayo Clinic, maybe we need to do a little bit more
“if left untreated, that can lead to That risk of masked heart attack investigation here,” Perez says.
Barrett’s esophagus,” and possibly symptoms points up the importance
esophageal cancer. of having a good doctor-patient rela- Dr. Alex Perez is with the Sebastian
tionship, says Perez. “When a symp- River Medical Group. His Vero Beach of-
Barrett’s esophagus is in essence tom is new, it’s a little bit more alarm- fice is at 920 37th Place, Suite 105. The
a pre-cancerous condition, Perez ing than somebody I’ve known four phone number is 772-567-4825. 

62 Vero Beach 32963 / November 3, 2016 Style Your Vero Beach Newsweekly ™

Designers imagine dressing a woman who’s running the country

BY ROBIN GIVHAN Donna Karan’s “Commander in Chief”
The Washington Post ad campaign from the 1990s.

If there was a particular moment
in the recent history of fashion maga-
zines, a moment that signaled a shift in
how fashion perceived women in Wash-
ington and the ways in which their am-
bitions could be both celebrated and
marketed, it was in 1992, when designer
Donna Karan commissioned an adver-
tising campaign to promote a new col-
lection of her sportswear, which hap-
pened to be filled with menswear-style
tailoring along with feminine blouses
and camisoles.

Karan had always defined herself
as a designer who was especially em-
pathetic to the needs of women. She
wasn’t trying to decorate them. She
wanted to create clothes that solved
problems – that made their lives easier
and, in the grand language of fashion,
elevated them.

She wanted an advertising campaign
that spoke to her design philosophy
but also paid homage to her vision of
a “strong executive woman.” She and
her marketing team asked themselves:

What was the ultimate position of pow- ceedings. In another, she is stepping off
er? What was the most important ex- a private jet wearing a wrap skirt that
ecutive suite of them all? has slipped open to reveal her long legs,
discreetly sheathed in opaque tights
The answer, Karan said in a recent – a phalanx of uniformed men carry
interview, was the Oval Office. And that her bags. She looks like a boss, and she
year, she launched her “In Women We looks womanly. Two notions that, for
Trust” advertising campaign. It was a years, had been at odds.
series of photographs featuring model
Rosemary McGrotha, who was in her “When that fantastic commander-
mid-30s, with thick, shoulder-length in-chief ad came out, I fell in love with
hair, dressed for business. it,” recalls Cindi Leive, Glamour maga-
zine’s editor in chief. “But it was 100
In one memorable image, McGrotha percent a fantasy that a woman – forget
wears a double-breasted pinstriped being president – that a woman could
jacket with a triple strand of gumball- look like that and dress like that and be
size pearls. She appears to be taking a public servant.
the oath of office, with Secret Service
agents hovering in the background and “It looks less like a fantasy today,” she
a first gentleman watching the pro- says.

Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / November 3, 2016 63

In 2016, fly in my district for me to wear a $5,000 secretary of state Condoleezza Rice, dents that dates to the late-1950s and
fashion’s vi- look. I want to wear something a wom- among many others. The magazine has celebrated future leaders, Leive has
sion of women in an in my district can buy at the mall,’” highlighted then-Alaska Gov. Sarah noticed a recent shift in how the young
Washington and the re- says Leive, who has helmed Glamour Palin (R) before she became Sen. John women dress. “They used to dress in
ality have finally merged. for 15 years. McCain’s (R-Ariz.) vice-presidential a very serious style,” she says of them,
Fashion magazines, with their running mate. And this year, for the some of whom have started nongov-
elaborate narrative advertising cam- Women in Washington who were first time, the magazine has endorsed a ernmental organizations from their
paigns and fanciful editorial spreads, seeking institutional authority and candidate for president: Hillary Clinton dorm rooms or worked to get legisla-
have a leading role in how women are influence had to walk a fine line. And – a former Vogue cover girl. tion passed. “I’ve noticed this increas-
perceived in popular culture. They fashion has been loath to provide them ing aesthetic freedom year after year in
define the beauty standard. They ex- with the aesthetic tools to make their The stories do not aim to be hard-hit- the women we select.”
pound on the feminine ideal. They il- endeavor any easier. ting or investigative. And in the case of
lustrate how power looks on a woman. a 2011 profile of Asma al-Assad, wife of Younger women are not wholly up-
And for years that vision was terri- “I graduated college in 1979,” re- Syrian President Bashar al-Asaad, the ending their style sensibility to meet
bly staid. “There’s this retro image of calls Cynthia Weber-Cleary, a veteran magazine painted a glossy portrait that the traditions that come from genera-
Washington style, when you think of fashion editor who spent more than 15 most considered wildly inaccurate. tions of men being in charge.
the pearls and almost a Southern style years at InStyle. “Women were strug-
of dressing,” says Anne Fulenwider, ed- gling to find a uniform like the one that Women in Washington are depict- “Women supporting other women
itor in chief of Marie Claire. men had. One that didn’t distract from ed less as dutiful public servants and is part of it,” suggests Weber-Cleary.
Whether Vogue or Glamour, Cos- their message or seriousness.” more as glamorous ones. Laugh lines, “We’ve arrived at a place – not where
mopolitan, Elle or Marie Claire, glossy under-eye circles, stress pimples are we need to be in terms of earning pow-
magazines have a long history of pub- But their efforts turned into a cliche. all airbrushed away. The photos are er – but women have gained a lot of fe-
lishing stories and essays that aim to “In 1981, my first fashion job was as stylized – the women are portrayed male support.”
speak directly to women and the im- an assistant at Vogue,” Weber-Cleary as more visually dynamic versions of
portant issues in their personal lives, says. “Power dressing was definitely themselves. They are superheroes – in Elle magazine, for instance, has
their careers and the ways of Wash- a ‘thing,’ with a silhouette that had Calvin Klein, Michael Kors, Ralph Lau- been honoring Washington women
ington. defined shoulders with big shoulder ren or Donna Karan. such as Supreme Court Justice Ruth
Tucked between the pages dedi- pads, the rich look with gold buttons. Bader Ginsburg and journalist Dana
cated to society parties and recipes for It was all about power, but power seen “Our goal is not to have the maga- Bash. The occasion is marked by a
smoked turkey au gratin, for instance, through the lens of men.” zine look like two different worlds: the celebratory dinner in the nation’s
Vogue’s political coverage dates back fashion world and the serious world,” capital that has no greater agenda
as far as 1900. In the 1940s, Vogue was Gravitas was masculine. Leive says. “Ten years ago, if a woman than to simply bring women together
running stories penned by first lady Stylistically, that Karan advertise- is a politician or a CEO, the thinking under the magazine’s banner. Dur-
Eleanor Roosevelt and introducing its ment signaled a shift in the way the was, ‘Oh we’ll put her in a suit.’ But ing the dinner, which is co-hosted by
readers to “The 9 Congresswomen.” fashion industry related to women that’s not how they dress, particularly Hugo Boss, each woman is introduced
That latter story, written in 1945, looked in Washington. Power didn’t have younger ones.” with a sleek video that puts a fashion
at the small group of women on the to mean a big, boxy suit. Femininity
Hill: “Each one as different as the gents didn’t mean a frilly dress. Sex appeal In a Glamour contest for college stu- CONTINUED ON PAGE 64
on the bench in the way that they vote.” did not involve a plunging neckline.
The story discusses the “lady” law- The Karan advertisement saw a soft-
makers’ focus on issues varying from ening of power. It offered women an-
the rights of migrant workers to bank- other way of expressing confidence. In
ing regulations, and it also reflects the recent years, the sheath dress became
ways in which their appearance was a every woman’s favorite work ensemble,
matter of public interest and conver- championed most prominently by first
sation. lady Michelle Obama. Now, there are
Mary Norton, a Democratic con- bold jackets with prominent shoulders.
gresswoman from New Jersey, who There are even blouses with floppy bow
was identified as the dean of the ties. Again. The point is that there is no
women’s contingent, was described as longer a uniform. There isn’t a tem-
“a knowing politician” with “grey hair plate. Only individuals.
cut like a man’s, the face of an aging In the modern era, political women
belle, with shrewd, deepset eyes and a are portrayed in fashion magazines
way with people.” in a warm, flattering light. Writers are
Congresswoman Emily Taft Doug- tasked with underscoring their confi-
las, an Illinois Democrat, had a “pinkly dence and tenacity, not which side of
scrubbed face, grave blue eyes, fluffy the political aisle they call home – or
brown hair and the appeal of a Jenny the nitty-gritty of policy positions.
wren.” “Everyone wants to look powerful,”
Early on, appearance and substance says Fulenwider, whose Marie Claire
were intertwined in fashion magazines, has featured White House Social Sec-
with women in Washington sometimes retary Deesha Dyer and Alyssa Mastro-
viewed with a particularly critical eye. monaco, former deputy chief of staff in
They were outliers – a separate spe- the Obama White House. “I think the
cies, apart from actresses, musicians, right clothes can project power.”
socialites or even businesswomen. The Over the years, Vogue has had Wash-
rules of attire were different for them. ington correspondents who were
And they remain so today. charged with keeping an eye out for
“When we’re photographing a mem- up-and-coming women who could be
ber of Congress, many have said, ‘I want readily profiled.
to have fun and look amazing and have And the magazine has turned its
a fashion moment, but it’s not going to kind gaze toward former White House
social secretary Desiree Rogers, Sen.
Kirsten Gillibrand (D-N.Y.) and Rep.
Tulsi Gabbard (D-Hawaii), Attorney
General Loretta E. Lynch and former

64 Vero Beach 32963 / November 3, 2016 Style Your Vero Beach Newsweekly ™

CONTINUED FROM PAGE 63 a woman to tears if she had to walk Tahari. In his version, the commander dent, but young girls don’t think that
on marble floors in them and pencil in chief is played by model Shlomit way. And they should.”
gloss on her Washington grit. And the skirts that are hobbling. Malka, a 20-something from Tel Aviv.
women revel in it. As she leans on a desk in the make-be- Tahari’s fashion fantasy has been
Fashion is fashion, after all. The lieve Oval Office, her dark, glossy hair pushed even further because the old
Today, fashion sees power as sexy. women “are always getting off a heli- is blown by some mysterious breeze. one – the Karan version – now looks
And women in Washington have clout. copter and looking fabulous,” laughs She wears a form-fitting red sheath a lot like real life. But there’s some-
But while magazines are limited in Weber-Cleary, whose new website with lace insets at the shoulders. A thing else here. Instead of just selling
what they might be able to persuade a Apprécier caters to the style needs of small white, fluffy dog is stretched out a brand with a hypothetical notion,
congresswoman to wear in their pag- women – regardless of age. on the desk. Tahari is also casting his vote. “I’m
es, they are not similarly hamstrung doing this as a fashion company, but
when models stand in for female poli- Instead of relying on Donna Karan, “It shows that a young, good-looking, also for political reasons,” Tahari says.
ticians, lobbyists or others with a seat Clinton for instance, favors Ralph well-dressed, fashionable girl can be “I support Hillary.”
at the table. Fashion fantasizes about Lauren. in the White House,” Tahari says in an
dynamos in blouses that are cut far interview. “Young men, since they are Tahari is not arguing that a woman
lower than most real women would Consider the latest iteration of an ad teenagers have inspiration to be presi- could be president; he’s saying that a
countenance, heels that would bring campaign that depicts a female presi- woman should be. 
dent. This one is from designer Elie

Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / November 3, 2016 65

The meaning of Vogue’s first presidential endorsement

BY ROBIN GIVHAN to the choir, a largely affluent, educat- as a more glamorized version of their has supported Clinton – whether in
ed and female readership. workday selves. fundraising, merchandise design or
The Washington Post social messaging.
But as all those songbirds who crack But by stepping into the current po-
Vogue has endorsed Hillary Clin- their hymnals at church every Sunday litical brawl, Vogue is not just attempt- Fashion magazines are often mar-
ton for president. This is a first for the know, a sermon is hardly pointless. ing to inform its readers, but to mobi- ginalized or dismissed as superficial
New York-based glossy – an extraor- The words can be affirming and reas- lize them to act. – much in the same way that women’s
dinary move for the so-called fashion suring. avocations, concerns and issues are so
Bible. Vogue may be able to deliver shop- often pushed to the periphery.
Other fashion magazines are deeply pers to the Chanel makeup counter;
In an unsigned letter posted on the engaged in politics. The politicians now it is trying to deliver votes. Vogue is helping to put girl stuff,
magazine’s website and published who sit down for interviews with Elle women’s stuff – all of it – at the center
in the November print edition, the or Glamour or Cosmopolitan know it’s In its endorsement, Vogue isn’t just of a serious conversation. The frippery
editors explain: “We understand that an opportunity to reach out beyond speaking as a magazine that publish- doesn’t have to detract from the sub-
Clinton has not always been a perfect an audience of political junkies, to get es features about political leaders; it’s stance. It can make the substance more
candidate, yet her fierce intelligence their points across in an environment speaking as a publication that does all enticing. 
and considerable experience are re- that is noncombative. of that alongside stories about fashion
flected in policies and positions that trends, beauty news, designer profiles
are clear, sound, and hopeful.” The downside, of course, is that and fanciful photography.
sometimes the resulting stories are so
The endorsement is accompanied soft-focus that thoughtful criticism It is, in a sense, declaring that all of
by a 1993 Annie Leibovitz portrait of and challenging questioning go miss- these subjects can coexist.
Clinton that, in the Vogue manner, ing. But it’s better that they’re having
wraps her in a glow so golden that she an overly polite conversation than Vogue lends an air of glamour and
practically looks gilded. none at all. panache to whatever appears in its
pages. So perhaps it can put a bit of the
And while actress Emma Stone is Newspapers have a long history of shine back on the act of voting at a time
on the November cover – not Clinton – endorsing candidates, and those opin- when so many see their choices as one
the word “vote” has been incorporat- ions often have a profound effect on of two evils.
ed into a patriotic red, white and blue less-watched races – school board elec-
version of the Vogue logo. tions, for example. But the impact on Vogue does not speak for the entire
presidential elections is arguably far American fashion industry, but it has
For anyone who follows fashion or more diffuse. With information com- outsize influence.
politics, this endorsement probably ing at voters from all directions, can
comes as no surprise: Anna Wintour, one newspaper endorsement truly tip Its endorsement reflects the many
the magazine’s editor in chief, has the scale? ways this multibillion-dollar industry
been vocal in her support of Clinton,
as well as financially generous to her Still, there’s something very high
campaign. Indeed, she has co-hosted school civics class about reading an
a fundraiser for her, alongside de- endorsement in a local newspaper.
signer Diane von Furstenberg and top The endorsement in Vogue, however,
Clinton aide Huma Abedin. is much more like an opinion shared at
the meeting of an exclusive club. The
But this is the first time that the audience is not broad; on some level,
magazine, as an entity, has endorsed its readers have bought into the Vogue
a candidate. The reason for stepping point of view, the Vogue lifestyle, the
into the political fray? A spokesper- Vogue message.
son says it’s because of the unique na-
ture of this campaign: It is a spectacle Vogue regularly highlights the sto-
of historic proportion. The country ries of female lawmakers and busi-
has the potential to elect a woman as ness leaders. It does not sling arrows; it
president. champions.

In speaking to its 1.2 million sub- Those stories tend to be flattering
scribers, Vogue may well be preaching and the accompanying portraits serve

66 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

ST. EDWARD’S

Big goal still in sight as St. Ed’s footballers roll on

BY RON HOLUB
Columnist

Head coach Bill Motta cautioned Chase Stokes, Desmond Haigler and kicker Owen Kenne.
against complacency when St. Ed’s
drew Jupiter Christian in the opening asks me if it’s tough seeing others get
round of the Sunshine State Athletic
Conference Coastal Division playoffs all of the recognition, but it’s
last Friday night. Two weeks earlier
the Pirates swamped the same team fun watching them run
by 50 points.
Brian Minella breaks away for a touchdown. into the end zone
The players obviously heeded the
advice and went one better. This time PHOTOS BY DENISE RITCHIE Chase Stokes and celebrating
they won by 51 points. The 57-6 rout makes a tackle. with them after-
stretched the 5-3 Pirates’ win streak to
four. The scoring differential in the last wards. I love see-
three games is a whopping 175-6.
“The experience has allowed us to Our entire coaching ing their names
This week the opposition could be adapt when an injury takes place. The staff believes you
tougher when No. 3 seed St. Ed’s takes next man goes in. ... They are really win and lose games in the papers
on the No. 2 seed Orlando Christian playing together and they are playing by blocking and
Prep. The Pirates would have to win for each other. There is great chemistry. tackling up front.” with their three
that one and two more to claim the Those are the makings of a successful
SSAC championship. team.” Linemen Payton or four touch-
Cleveland and Jackson
That seemed beyond reach to some Offensively the Pirates are doing it Rooney are two of those downs. It’s ex-
observers early in the season when in- primarily on the ground. You need a guys working both ways up
juries threatened to disrupt an already calculator to keep up. Going into the front. Brian Minella realizes tremely satisfy-
thin roster. In one game only 13 play- game last week three running backs who butters his bread at running back
ers were available. Sixteen suited up – Brian Minella, Danny Walsh and and safety. ing.”
last week and Motta said that was an Nicholas Pennell – were all averaging
“abundance for us.” The coach was not over 10 yards per carry. Quarterback CJ “That’s an easy one, it all starts with Rooney told us,
shocked by the midseason turnaround. Hadnot was managing the game with the linemen,” Minella said. “They block
play-action passes. The defense pitched the first level and then Danny and I are “Sometimes it feels
“We are healthy and we have played consecutive shutouts before allowing a sometimes able to take it into the sec-
ourselves into condition,” Motta ex- measly six last Friday. The line of scrim- ondary. That is what allows us to break like I’m not getting
plained. “We had some competition mage has been under control. for some big gains.
at the beginning of the year that was a enough acknowledgement, but
little bit stiffer. We had lost some guys “We are fortunate to have coach “On defense I’ve also got to credit
to injury but then we got everybody (Jim) Keenan for our offensive and the coaches. As long as we stick to the in the end I think to myself that they
back. Our offense and defense are gell- defensive lines,” Motta said. “He has formations and schemes everything
ing. That’s about it. We are just evolving great demeanor with the boys. They works out. Our defensive line is hold- are scoring because of us. They know
as a team. work hard in practice and play hard in ing everything and that is the key to our
games. Those are not glamorous posi- success. It all starts with the linemen.” that and it makes me feel good.”
“This is not a surprise to me. We knew tions to play. Your hands are in the dirt
going in that we had 11 seniors, and ex- all the time. We drill the boys hard. The appreciation cuts both ways, What would make everyone feel good
perience is huge, especially in the sport especially when the offense is click-
of football. I anticipated a successful ing. Cleveland said, “Everybody always is the SSAC championship.
year. We took a hit with the numbers. I
expected to have bigger numbers than “Fortunately (with a win this Friday)
we have. But we signed up to play foot-
ball and that is what we are doing. we actually have a chance to play at

home for the Coastal championship,”

Motta said. “Windermere Prep is the

No. 1 seed in our bracket and we might

wind up facing them again (St Ed’s lost

32-26 in September).

“If we win that one we would go to

Orlando for the SSAC championship.

We want to be playing for the champi-

onship on Saturday night, Nov. 19.” 

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 67

ON FAITH

The cure for emotional whiplash? Focus on God

BY REV. DRS. CASEY AND BOB BAGGOTT
Columnists

Many centuries ago, there lived a re- That’s where Jeremiah comes in. He’s Now, you may not have initially ing our attention this way and that,
luctant prophet of God in the ancient given the unenviable task of telling his thought we had much in common squandering our devotion in too many
land of Judah. It was a very troubled people that resistance to forces that with the people of Judah of the sixth places, we just might get spiritual whip-
time for this prophet we call Jeremiah, threaten them will be fruitless. Change century BCE. But maybe we do. Don’t lash. But focusing upon the One who
and for his people. His tiny country is coming, to sweep away old certain- we regularly hear people lamenting remains unchanged and ever faithful
was surrounded by large and menac- ties and alter every expectation. Natu- the fearsome realities of our world? to us can be steadying and reassuring.
ing empires on every side. To the north rally, no one was going to receive that Aren’t we surrounded on every side God’s compassion is stronger than our
lay Assyria, to the south Egypt, and to part of the message with any enthusi- by forces that threaten to topple our fears and disappointments. God’s con-
the east Babylonia. Of course Judah asm. But there was more. Jeremiah was equilibrium, our status quo? Our stancy is truer than any of our antici-
wanted to retain its independence, so also commissioned to tell the people world is surely as tumultuous, as hos- pated losses.
we can imagine the diplomatic envoys, that even if everything they hold dear tile, as violent, and as power hungry as
the treaties, and the political wranglings is overthrown, plucked up and pulled it has ever been. Jeremiah never promised a perfect
that were undertaken in hopes that Ju- down, a new start is coming. They have world to God’s people. Apparently we
dah would not be swallowed up. And an ultimate security greater than they And so, the bold words of the reluc- can’t expect one either. But we can
while Judah would also have wanted can presently imagine. They have the tant prophet Jeremiah ring out more expect, even count on, being carried
to retain its unique identity as a people love of God and will forever. meaningfully than ever. If we are ex- through whatever lies ahead by God’s
who worshipped one God in the temple pending energies here and there, turn- love. 
in Jerusalem, the temptation to please
powerful neighbors by adopting their
worship practices was naturally great.

In fact, the people of Judah concoct-
ed one solution after another in an at-
tempt to withstand their adversaries,
focusing their attention this way and
that; it must have felt like emotional
and spiritual whiplash. Hopes for re-
taining autonomy and traditional pat-
terns of life would have sprung up, only
to be doused, again and again. Still, the
people thought, perhaps they could
figure some way out of this dilemma
and still maintain the status quo.

68 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

DINING REVIEW

Costa d’Este: The paella gets better and better

BY TINA RONDEAU
Columnist

I liked the Cuban version, loved more than a lit- Coconut Malibu Cake Tropical Crabcake.
the Peruvian, and am even more tle noisy. with Mango Sorbet.
enthusiastic now about the Hon- On another visit, PHOTOS BY DENISE RITCHIE
duran.
we started with two ap- Caesar Salad.
I’m talking about the paella
at Costa d’Este. While execu- petizers – the fish cev- American Red Snapper.
tive chefs and menus have
changed, paella has been a ice ($14), and the ahi courage you to send feedback to me at
staple of Gloria Estefan’s at- [email protected] .
tractive beachfront restau- tuna poke ($15).
rant since it opened eight The reviewer dines anonymously
years ago. Costa’s chefs have at restaurants at the expense of Vero
Beach 32963. 
There are as many ver- always prepared in-
sions of this internationally- The Wave
known rice dish as there are teresting cevices, and
cooks, and Vero diners now Hours: 5:30 pm to 10 pm,
are able to enjoy the paella of Galeas is no exception. nightly
Honduran-born Armando Ga-
leas, latest executive chef of The The one currently of- Beverages: Full bar
Wave Kitchen & Bar. Address:
fered has fresh raw fish
Galeas came to Costa d’Este ear- 3244 Ocean Drive
lier this year after serving as chef marinated in citrus, Vero Beach, FL
de cuisine at Temple Orange,
the seaside restaurant at with aji amarillo, jala- Phone: (772) 410-0100
the five-star Eau Palm
Beach Resort (formerly the penos, radish, red on-
Ritz Carlton in Manalapan).
ion, cilantro and plantain chips. Very skirt steak, topped with chimichurri,
While The Wave continues to
also offer superb seafood and ex- refreshing. was not only tasty but surprisingly ten-
cellent steaks, in mid-summer Galeas
introduced a revised menu that now in- The tasty newcomer to the menu, der. It was accompanied by great yucca
cludes not one but two paellas: a tempt-
ing-sounding mushroom and local veg- however, is the ahi tuna poke – a Ha- fries, arugula and cipollini onions.
etable paella ($25 for one, $45 for two),
and a paella that is a mix of seafood and waiian appetizer of raw tuna, cut into On both visits, the dining room was
meat ($32 for one, $50 for two).
chunks, garnished with red onion quite full. Among those dining when
On a recent evening, I tried the
mixed paella, which Galeas has named and avocado, and served with sesame we were there last week were a couple
after the mountainous Calasparra re-
gion of Spain where short-grain rice soy vinaigrette and wontons. Poke of dozen participants in a beer tast-
well suited to this dish is grown.
(pronounced poh-KEH), which seems ing and dinner featuring the brews of
The key to a great paella lies in the
absorptive properties of the rice, and to be having a bit of a moment all over the Walking Tree Brewery. The dishes
the rice in this paella had soaked up
the flavors of its ingredients – a won- the country, has reached Vero. looked great, and the beer aficionados
derful fusion of clams, mussels, scal-
lops, jumbo shrimp, Spanish chorizo, Then for entrées, I decided to try appeared to be having a great evening.
chicken, peppers and peas. Absolute-
ly delicious. one of the Estefan Kitchen Favorites, The Wave also is planning wine pair-

But just as I went with one of my fa- the Cuban style steak ($27), and my ing dinners for later in the winter.
vorites, my husband chose to go with
one of his. When he learned the fresh husband went with the Wagyu skirt With fresh seafood, excellent
local catch of the day was swordfish
($29), the discussion was over. It turned steak and frites ($29). steaks, interesting Cuban dishes and
out to be a great choice – a beautiful
piece of swordfish, grilled perfectly, ac- The Cuban steak (bistec de palomil- the best paella in town, The Wave has
companied by seasonal veggies.
la) was a very thin but flavorful steak become one of our favorite island res-
Our two dishes highlight what has
become a major attraction for The seasoned with garlic salt, onions and taurants. Now if there was just some
Wave: The menu has something for
just about everybody. parsley, and served with black beans, way to slightly muffle the noise.

The only complaint we hear about white rice and sweet plantains. The I welcome your comments, and en-
The Wave is that when it is pretty
full (which it often is these days), it is

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 69

WINE COLUMN

Roll out those barrels! Oaked sauvignon is back

BY VICTORIA MOORE
The Telegraph

The best-value wine I have tasted rounder in the mouth, and add a gen- tact and focused with glorious drive which is the result of eight years of
this autumn is a sauvignon blanc and tle layer of complexity. and energy. experimentation and is made from
sémillon blend called Château Beau- 100 percent sauvignon blanc and
mont Les Pierrières 2015. Usually the purpose of making a At the higher end, oaked Bordeaux aged in large barrels from Austria and
more heavily and obviously oaked sauvignon and sauvignon-sémillon is Sancerre.
If you recognize the name, that’s be- sauvignon blanc is to create a serious becoming more fashionable. Witness
cause Château Beaumont is a respect- wine with ageing potential. I’m not al- the increased attention being paid to Something about the crisp lemon
ed property in the Haut-Médoc in Bor- ways quite as convinced by newer ex- white wine at Château Margaux, of all flavors and minerality of Bordeaux
deaux, whose vineyard dates back to amples of this style of wine. places; or the enthusiasm for the very sauvignon blanc just combines so well
1824. This is serious claret – red wine good white wines made at Château with oak, giving a wine with subtle
– territory, however. This neat little There are exceptions: Fraser Gallop Cos d’Estournel; or the new Le Petit richness as well as fine delineation
white doesn’t get so much as a passing does it exceptionally well in Marga- Cheval Blanc 2014 from Cheval Blanc, and drive. 
mention on the château’s website, but ret River with a sauvignon-sémillon
it’s worth a closer look. blend. Dog Point Section 94, an oaked
sauvignon blanc from Marlborough,
The grapes for Les Pierrières are is outstanding. So many of the rest
grown across the Gironde estuary taste clumsy and over-exuberant as
from Château Beaumont, in the right- they age, like they’re putting on disco
bank village of Blaye. They are from pants but forgetting they need a hip
old vines, which makes for a better replacement.
depth and detail of flavor. However,
even good sauvignon-sémillon at this A tasting of examples of both young-
level from Bordeaux isn’t an easy sell er and more mature cuvées of oaked
compared with, say, sauvignon blanc sauvignon blanc from Bordeaux
from fashionable Marlborough. and the Loire, organized by Château
Brown of Pessac-Léognan, reminded
Ten years ago, Beaumont’s owner me how extremely well sauvignon –
decided to make the white more dis- both young and old – from Bordeaux
tinctive by using a little oak. As white does handle oak.
grapes are picked first, in August, this
is easily and cheaply managed by al- By and large, the older examples of
lowing them to ferment in the new wines from the Loire just didn’t work:
barrels that are later used for the red Instead of aging with a steely grace
claret grapes when they are picked in and gentle decay into florals and fun-
the early autumn. gi, they had collapsed and splayed,
losing their line, smelling of boiled
Of course, it is hardly revolutionary to sweets. It’s not fun when wines go to
use oak in a Bordeaux sauvignon blanc; seed. An exception was the Domaine
the white Bordeaux blend, matured in Didier Dagueneau Blanc Pouilly
oak and with a capacity for ageing for Fumé Silex 2002 – astonishingly in-
many years, defines the category.

The white wines of Pessac-Léognan,
to the south of the city of Bordeaux,
are famous and rightly so – the likes of
white Domaine de Chevalier and Châ-
teau Smith Haut Lafitte are special,
indeed. It’s interesting, though, to see
oak added to such a smart, contempo-
rary and relatively inexpensive sauvi-
gnon blanc. For a long time, it was the
other way around: Traditional oak was
taken out, for fear of scaring all the
drinkers who just want a cool, refresh-
ing wallop of a sauv.

The use of oak in sauvignon blanc
seems to be creeping back and that’s
probably not surprising because wine-
makers, like the rest of us, get bored
and are constantly seeking to adapt
and improve their output.

The wood is often so subtle as to
be almost invisible, except perhaps
to the professional palate, and I see
it increasingly on my travels. For in-
stance, just 10 percent of Blind River
Sauvignon Blanc is fermented in old
French barrels. The effect is to make
the final wine feel slightly fatter and

70 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

Vero & Casual Dining

EARLY DINING MENU
2 Courses for $14.00 Nightly from 5 to 6PM

HAPPY5H- O6:U3R0P&MD~RBINaKr OSPnElyCIALS
Open Tues ~ Sat from 5pm • 1920 14th Ave

(772) 226-5254 • ScooziVeroBeach.com

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 71

Vero & Casual Dining

Thai & Japanese Cuisine Live Music and Jazz
Sushi
Tues – Thurs, 6 pm - 9 pm
Beer, Wine, Sake & Fri & Sat, 6 pm - 10 pm
Full Liquor Bar
$2 Off Martini Tuesdays
Dine in & Take Out
Lunch

Mon - Sat 11:30am - 3 pm

Dinner

Nightly 4:30 pm -10 pm

713 17th Street|(17th Shoppes Center)
Phone:770-0835|Fax:770-0831

Mojito Monday Steak Night +
$7 Specialty Mojitos 1/2 Off Select
Bottles of Wine

4­7 PM Paella Night $8 Drink Specials
@The Wave Tapas Menu
Live Music @
Live Music Cabana Bar
@ The Wave ChBarmupnacghne

costadeste.com | 772.410.0100

72 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

Vero & Casual Dining

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 73

Vero & Casual Dining

DAILY BEACH-FRONT HAPPY HOUR
WITH FOOD AND DRINK SPECIALS

4:30-6PM

COMPLIMENTARY VALET PARKING

LOCATED AT THE VERO BEACH HOTEL

3500 Ocean Drive,Vero Beach, FL 32963 | 772.469.1060 | CobaltRestaurant.com HeatonsReef

74 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

CALENDAR

ONGOING Foundation of Indian River County, with tented Bricks, by artist Sean Kenney, featuring 13 burrito dinner and music by East Harbor to
VIP BBQ Dinner in the end zone at 5:30 p.m. sculptures and a build station. Standard admis- benefit ongoing Junior League of Indian Riv-
Riverside Theatre - Ring of Fire: The Music followed by 7 p.m. kickoff and dessert at half- sion. 772-794-0601 er community impact projects. $35 & $100.
of Johnny Cash on the Stark Stage thru Nov. 13. time. $50. 772-569-9869 772-226-0799
772-231-6990 5 Gifford Youth Orchestra 13th Anniversary
4 A Taste of Honey from Around the World, Concert, 2 p.m. at Gifford Community 9 Ballet Vero Beach Fall Interpretive Dance
Vero Beach Museum of Art – Landscape art- 7 p.m. at Audubon House to benefit Peli- Center. Free but ticket required. 772-538-3117 Series Performance, choreographed in
ist Bruce Marsh thru Jan. 2; David Drake: Potter can Island Audubon Society, with samplings of collaboration with Vero Beach Museum of Art
and Poet thru Dec. 18; American Spirit: Selec- world and local honey. $30. 772-567-3520 7 Pro-Am Golf Tournament at John’s Island exhibitions, 7 p.m. in VBMA Leonhardt Audito-
tions from the Manoogian Collection thru Jan. West to benefit Boys and Girls Clubs of rium followed by reception. 772-231-0707
8. 772-231-0707 4-6 Sebastian Clambake Lagoon Festi- Indian River County. 772-299-7449
val, Take me out to the Clambake, 10 Land Water Wildlife: Preserving our
NOVEMBER at Riverview Park with food and drink, enter- 7 Recapturing the American Dream Annual Roots, 6 p.m. at Rock City Gardens to
tainment and vendors to benefit local nonprof- Dinner to benefit Hope for Families Cen- benefit Indian River Land Trust, with cocktails,
it organizations and public-purpose projects. ter, 6 p.m. at Quail Valley River Club, with cock- buffet dinner, dancing and s’mores by the fire.
tails, dinner and auction. 772-567-5537 x 326 $175. 772-794-0701
3 Hunger-Free Holidays Radiothon, with 5 Margo Donadio Memorial - Fire Girls 5K,
Treasure & Space Coast Radio accepting 7:30 am at South Beach Park to benefit 9 Impact 100 Kickoff Breakfast, 9 a.m. at 10 Chimps Kitchen, a 6 p.m. at Vero
pledges 6 a.m. to 6 p.m. to benefit United Against Pink-4-Life Mammogram Assistance Program. Oak Harbor Clubhouse, with Impact 100 Beach Hotel & Spa’s Cobalt Restau-
Poverty. 772-770-0740 or 855-YES-FOOD. grant recipients relating how lives have been rant to benefit Save the Chimps, with partici-
5 Fall Bazaar and Craft Show, 8:30 a.m. to changed through $100,000 grants. $50. 772- pating chefs from Cobalt, Bent Pine Golf Club,
3 Samaritan Center Soup Bowl held at 40- Noon at St. Francis Manor with food and 234-5500. The Moorings Yacht & Country Club, Windsor,
plus locations throughout IRC to benefit bake sales, crafts and more. 772-562-8575 Frosting, and Grind & Grape, wine, beer and
Samaritan Center of IRC, 11:30 a.m. to 1:30 9 National Philanthropy Day, 5:30 p.m. at banana daiquiris, live music and auction items.
p.m. and a few 4:30 to 7 p.m. Minimum dona- 5 Paddle Races at the Point, 1, 3 and 6-mile Oak Harbor Club hosted by Association of $100; $175 for two. 772- 429-2225
tions of $5/bowl or $10 to-go, $15 for hand- races, 9 a.m. from Sea Sup Go on Royal Fundraising Professionals to honor individuals
crafted soup bowls and $1 chances for ceramic Palm Pointe to benefit Pancreatic Cancer Action and business for their fundraising, philanthropy, 10 Florida Humanities Series presents
soup tureens. 772-770-3039 Network, with post-race raffle to benefit Vero and volunteerism, with cocktails, sit-down din- Rick Smith, Jr., son of noted Florida
Beach Lifeguard Association. 772-217-8708 ner and awards ceremony. $75. 772-538-0815 author Patrick Smith, with archival footage and
4 11th annual Football Classic, Vero Beach insights, 7 p.m. at The Emerson Center. Free.
High School vs. Sebastian River Hospital 5 To May 7 - McKee Botanical Garden pres- 9 Burrito Bash, 6:30 p.m. at Walking Tree 772-778-5249
at Citrus Bowl Stadium, to benefit Scholarship ents Nature Connects: Art with LEGO Brewery, with vendors, microbrews,
10-27 Vero Beach Theatre Guild
Solutions from Games Pages ACROSS DOWN Crossword Page 49 (SPACE EXPLORATION) presents the compelling
in October 27, 2016 Edition 7 YELLOW 1 REVISE Broadway musical Evita. 772-562-8300
8 SURVEY 2 BLUE
9 LIME 3 SWEATER 11 Veterans Day Ceremony hosted by
10 ANECDOTE 4 ASKEW Veterans Council of Indian River
11 LEAFLET 5 GRADIENT County, 9 a.m. at Veterans Memorial Island
13 WEIRD 6 BETTER Sanctuary with featured speaker, Clay Bucking-
15 SPLIT 12 FAITHFUL ham, Maj. Gen. US Army (Ret.). BYO chair.
17 CASTORS 14 TADPOLE
20 NIGHTCAP 16 PRIVET 12 Walk to Remember, a 2.8-mile non-
21 LOVE 18 REVIEW competitive walk to raise funds for
22 DEMURE 19 ACRES local programs and services at Alzheimer &
23 LINGER 21 LANK Parkinson Association of Indian River County, 8
a.m. program; 9 a.m. walk from Riverside Park.
Sudoku Page 48 Sudoku Page 49 Crossword Page 48 772-563-0505 ext. 106

VERO BEACH 32963 BUSINESS DIRECTORY

Advertising Vero Beach Services | If you would like your business to appear in our directory, please call 772-633-0753

This directory gives small business people eager
to provide services to the beachside community an
opportunity to make themselves known to island readers at
an affordable cost. This is the only service directory mailed
each week during season to all 11,000+ homes on the
Vero Beach barrier island. If you are interested in a listing
in the Vero Beach 32963 Business Directory, please
contact marketing representative Kathleen Macglennon at
[email protected] or call 772-633-0753.

MAGNIFICENT ESTATE DAZZLES IN
ORCHID ISLAND GOLF & BEACH CLUB

721 Grove Place in Orchid Island Golf & Beach Club: 5-bedroom, 9-bath, 8,416-square-foot home on
.9-acre lot offered for $8,875,000 by Matilde Sorensen of Dale Sorensen Real Estate Inc: 772-532-0010

76 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

REAL ESTATE

Magnificent estate dazzles in Orchid Island Club

BY SAMANTHA ROHLFING BAITA in Jekyll Island, Georgia’s Historic fering a single bedroom on the south Each bedroom has its own full bath
Staff Writer District, where late 19th and early side and two on the north, the two and closet. Upstairs, both sides offer
20th century barons of industry one- sides separated by a pass-through, laundry room, full kitchen and living
Its name – Palm Cottage - may upped each other, building fabulous each with its own staircase. room. All ground-floor rooms open
well bring to mind a humble abode mansions in which to escape winter onto the courtyard, and generous use
with thatched roof and lace curtains. in the Frozen North. Here, as in much of the main house, of windows and glass doors ensures
But the stunning, 8,416-square-foot the floors are a rich, dark tropical plentiful ambient light.
estate at 721 Grove Place in the ex- A circular brick-paver drive, mani- hardwood, as are the stairs. The pale
clusive Orchid Island Golf & Beach cured lawn, palms and cleanly de- soft hues of the walls are offset by Between the guest quarters and the
Club community is more akin to the signed landscape elements perfectly all-white custom woodwork, featur- main house is the courtyard, clean
so-called “Millionaires’ Cottages” present the estate’s front structure, ing triple crown molding and planta- and elegant, informed by the art-
a two-story, double guest house of- tion doors on closets and cabinetry. ful use of rectangles, repeated in the

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 77

REAL ESTATE

natural stone tile, the pool, punctua-
tions of emerald lawn, the spa, the
double glass doors to the game room
on the north, and the striking main
entrance’s double doors, flanked by
long glass panes and topped with
glass pane squares. North and south
courtyard walls and the first floor of
the main house are vine-covered, the
rich green anchoring this exceptional
outdoor space and imparting a feel-
ing of privacy, a worthy entrance to
the main house.

As breathtaking as are the guest
quarters and courtyard, the main
residence is the pièce de résistance,
with glowing hardwood floors, liberal
use of marble and stone, rich crown
molding, beautifully detailed ceilings
and an astounding nine (!) fireplaces.

Immediately left off the broad foy-
er, a stunning stone staircase leads to
the second level. Looking west, from
the foyer, across the marble-floored
living/dining room, a full-wall bank
of five double-glass doors repeats the
clean design of the front entrance,
opening to the west lanai and pool,
and farther, toward the private dock,
and picturesque Indian River lagoon
with its dazzling sunset views. The
north and south walls of the living/
dining space each feature a gorgeous
stone fireplace.

A guest suite occupies the south
end of the first floor, and includes a
large, elegantly appointed bathroom
with graceful gold-ribboned candle
chandelier, marble surround jacuzzi
tub, marble, glass-door shower, water
closet, and access to the courtyard. A
large laundry/storage area contains
custom cabinetry and stacked wash-
er/dryer unit.

This suite also accesses the covered
lanai and pool deck, a lovely, large
outdoor space with endless entertain-
ing possibilities, easily accommodat-
ing even the most lavish parties, with
all doors open to the spacious living/
dining area.

The first-floor north wing houses
the kitchen/sitting room, and two
laundry/utility rooms, which include
a large, two-door wine cooler, sink,

78 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

REAL ESTATE

extensive storage and ample coun- ing a 6-burner Thermador gas cook-
ter space for sorting and folding. top and double ovens; side-by-side
Also in this wing are a pair of two- Sub Zero fridge, one side with a glass
car garages, separated by a spacious front; three freezer drawers; and
game room, with cathedral ceiling, white plantation cabinetry with two
fireplace, full bath and access to the glass-front display doors.
courtyard/pool.
Gas fireplaces highlight both ends
The chef’s kitchen features black, of the lanai, with a seating area to
heat resistant countertop; one double the south and summer kitchen and
and one single sink; an island hous- dining space to the north, each sur-

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 79

REAL ESTATE

rounded by a low hedge wall, creating IntegrIty - ServIce - ProfeSSIonalISm - reSultS
lovely outdoor “rooms.” Listing agent
Matilde Sorensen calls the lanai “the “The Trusted Name in Real Estate Since 1949”
perfect space to enjoy an alfresco
lunch or evening cocktail.” NEW
LISTING
Three stone steps down from ei-
ther end, the rectangular pool is a REDUCED!
cool, clean centerpiece, its four single-
stream fountains providing a melodic OLD SAVANNAH BAYTREE VILLAS PHASE II RIVER CLUB AT CARLTON
backdrop to pleasant conversation Immaculate 3 or 4 bedroom, 2 bath pool home. Stunning remodeled 2 story award winning 2/2. Direct intracoastal waterfront home w/dock.
or quiet enjoyment of the green land- Generator, shutters, 3 car garage. Gated Comm. Tile and carpet throughout. Beach, pool & tennis. 5/5 w/ over 10,000 SF U/roof. Custom Built.
scape and shimmering lagoon beyond.
$549,000 (#177068) $449,000 (#175495) $3,895,000 (#167165)
The magnificent master suite oc- Jim Knapp 772-913-0395 Charlotte Terry 772-538-2388 Jim Knapp 772-913-0395
cupies the second level. At the top
of the castle-channeling stone stair-
case, double doors on the landing
open onto a balcony which overlooks
the courtyard and welcomes the sun-
rise. This lavish retreat can also be
accessed via a convenient, unobtru-
sive elevator. The master bedroom
boasts glowing tropical wood floors
and a three-double door wall opening
to the wide west balcony with its la-
goon views. A dark wood-beamed ca-
thedral ceiling and a beautiful stone
fireplace with raised hearth star in
this elegant room.

VITAL STATISTICS CASTAWAY COVE V ESTUARY PEBBLE BAY ESTATES
721 GROVE PLACE Exceptional riverfront built 2007. 3/4.5, 3 car Beautiful ½ acre waterfront lot with dock. New look to this 3/3 CBS pool home. Live in Indian
garage, heated saltwater pool. Billiard room. Cleared and ready to build. Easy access to waterway.
Neighborhood: Orchid River Shores rated as the safest city in Florida.
Year built: 2005, extensive $2,450,000 (#175387) $975,000 (#164909) $499,000 (#165538)
remodeled/customized by Barbara Parent 772-633-3027 Roger Smith 772-473-0086
Roger Smith 772-473-0086
present owner
Lot size: .90 acres OAK HARBOR – St. James Island OAK HARBOR – St. James Island DUNMORE
Home size: 8,416 square feet Understated elegance - graciously decorated Rarely available lakefront pool home. 2/2.5 + den, Build you dream home on this cul-de-sac lot. This
3/3 with garden views. New paint, new carpet.
under air Fireplace, high ceilings. Spacious kitchen. property is truly one of a kind. Water access.
Bedrooms: Main house: 2; $498,000 (#172977) $474,900 (#165811) $295,000 (#167442)
Guest north: 2; Guest south: 1 Jim Knapp 772-913-0395
Bathrooms: Main house: 5; Jim Knapp 772-913-0395 Alex MacWilliam IV 772-473-6972
Guest north: 2; Guest south: 2
Additional features: recessed 2901 Ocean Drive Vero Beach, FL 32963 • 772-231-6509 • www.alexmacwilliam.com
lighting throughout; 8 laundry 4755 South Harbor Drive Vero Beach, FL 32967 • 772-907-6028 • www.grandharborproperties.com
stations; heated pool/spa; 6
a/c units; Noche marble floors;
tile roof; 9 gas fireplaces; gated,

security guard
Listing agency:
Dale Sorensen Real Estate, Inc.
Listing agent: Matilde Sorensen
Listing price: $8,875,000

80 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

REAL ESTATE

Arguably the most irresistible, in- The master suite also includes a
dulgent spot on the second level is the “piano” room, with wet bar, white-
master bath. Tall mirrors rise above a beamed cathedral ceiling and fire-
pair of black and gold furniture-style place, occupying the northwest cor-
footed sink units; above the large, ner. Light floods in through a bank
oval jacuzzi tub is a bank of discreetly of doors and windows, and the broad
high windows, and, across the mar- balcony, extending the entire length
ble floor opposite the tub, is another of the house, provides another capti-
striking stone fireplace. vating lagoon and sunset vista.

The standout among standouts, Between the piano room and the
occupying most of the west wall and master bedroom is a study, a seclud-
flanked by twin water closets, is the ed, quiet place to work, read or dream.
lavish shower, actually an all-mar- Extending from the handsome tray
ble room, almost as large as a mod- ceiling is a graceful gold-hued, glass
est, traditional bathroom. There are domed chandelier. Here, too, is a fire-
three shower heads, including two place, and access to the balcony.
rainforest heads (one extending from
the ceiling) and one detachable-hose The Orchid Island Golf & Beach
unit. Through a huge picture win- Club is only minutes north of the
dow, the shower occupant(s) can look charming seaside village of Vero
across the lagoon to the mainland. Beach, with its numerous shops and
The window has a convenient drop- restaurants, Riverside Theatre (eq-
down shade. uity) and the prestigious Vero Beach
Museum of Art. 

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 81

REAL ESTATE

Secret payoff schemes – and their cost to consumers

BY KENNETH R. HARNEY on the statutory-interpretation issue, playing a title company’s brochures or are concerns in the industry that some
Washington Post vacated the fine and ruled that hence- actively making recommendations to companies no longer will feel con-
forth the CFPB director would be like home buyers about the benefits of us- strained and may return to old referral-
A recent decision by a federal appel- other executive branch agency heads: ing its services. The money involved scheme practices or invent new ones.
late court is casting new light on prac- removable by the president at will. can be significant – thousands of dol-
tices in the real estate field that buyers lars a month in some cases. One legal expert on RESPA, Marx
and sellers often know little about: cre- Created by Congress in the Dodd- Sterbcow of New Orleans, told me, “My
ative, under-the-table payoff schemes Frank Wall Street Reform and Con- Mark Greene, a loan originator for fear is that we’re going to see [compa-
among realty brokers, mortgage lend- sumer Protection Act of 2010, the bu- HomeBridge Financial Services in New nies] think, ‘OK, now there are no more
ers and title companies that can stifle reau has substantial oversight powers. Jersey, says that some large realty bro- rules,’’’ which might lead to a resur-
market competition and raise settle- During its short life, the CFPB has lev- kerage firms essentially “put it out for gence of illegal payoff schemes.
ment costs to consumers by hundreds ied fines or provided financial relief to bid”: They ask lenders who would like
or even thousands of dollars. consumers totaling what it estimates to receive referrals from their agents, What can you do to avoid settle-
to be in excess of $11 billion from “What do you offer us?” ment cost rip-offs? Sterbcow recom-
The court case involved a $109 mil- banks and other entities accused of il- mends you ask this question of any
lion fine levied against mortgage legal activities. “It goes to the highest bidder,” he realty agent who seems to be nudging
lender PHH by the Consumer Finan- told me in an interview. you toward a specific title agency or
cial Protection Bureau for allegedly Although the PHH case did not di- lender: “Does your broker or do you
violating the federal real estate anti- rectly involve the types of fees-for-re- Late last year, the CFPB issued a have any type of business relationship
kickback statute through its mortgage ferrals practices that are widespread stern warning about marketing servic- with this company?” Ask for any writ-
insurance operations. PHH disputed in the real estate industry, the ruling es agreements: Large numbers of them ten disclosure about the relationship,
the charges and filed suit, challenging has called into question the legiti- may violate the anti-kickback law, the which may be tucked away with other
not only the CFPB’s interpretation of macy of the bureau’s regulatory in- Real Estate Settlement Procedures Act, boilerplate documents you received,
the anti-kickback law but also the bu- terpretations on “marketing services known as RESPA. As a result of the bu- and easy to miss.
reau’s constitutionality. agreements” and certain “affiliated reau’s statement, some major lenders
business” relationships. said that they were terminating what- Most important of all: Always shop
The constitutional challenge fo- ever marketing services arrangements the market aggressively for your mort-
cused on the unusual structure of the In a typical marketing services they had to avoid the risk of being hit gage, title and settlement services.
bureau, which is headed by a single di- agreement, a title company or lender with penalties by the CFPB. Compare quotes. When service provid-
rector who can be terminated only “for agrees to pay a real estate broker or an ers aren’t paying for what may amount
cause.” The court agreed with PHH individual agent fees for promotional But now, in the wake of the PHH to referrals, they often can offer you
assistance – say, by prominently dis- decision that calls into question the better prices. 
CFPB’s interpretations of RESPA, there

82 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

REAL ESTATE

Digital printing opens door to (affordable) custom design

BY KATHERINE SALANT manufacturer’s website. To custom- for home interior products: There is quantities of yardage just to get each
Washington Post ize a manufacturer’s online offering, no minimum order required. You can color calibrated correctly.
you just manipulate what appears order just enough fabric for drapes for
Want to have a custom floor, wall- on your computer screen. You com- one window, wallpaper for one wall, How difficult is it to take advantage
paper or curtain design in your house municate directly with the manufac- floor tiles for a front entry or material of these online opportunities?
that’s unique and perfectly suited to turer, which fulfills the order within a in even smaller quantities.
your taste? Even if your budget for few days or weeks. When I tried my hand at “digital
this is minuscule? How can a modified version of the decorating” I quickly realized that
Another plus with digital printing humble inkjet printer do all this? it would take some time to learn my
Digital printing, the same tech- way around, and the results would
nology that the inkjet printer in your Digital printing has transformed not be featured in a home decor
home office uses, is making this pos- the traditional production process. magazine. But they would be im-
sible. With printed fabric, for example, you bued with something that no profes-
can replace a large manufacturing sional could ever offer: They would
It is revolutionizing the textile, tile plant and multiple pieces of equip- be something I created.
and wallpaper industries, and in the ment with one very large digital ink-
process opening up the world of cus- jet printer about the size of an 8-foot I designed fabric (for $17.50 to $38 a
tom design to anyone – you can now cube in an area about the size of a yard) and wallpaper on spoonflower.
design these products yourself. It’s no three-car garage. com, the only website I found that of-
longer hugely expensive and you like- fers both of these options. It was not
ly have the skill set required to design The printing process itself has hard to create a simple, hand-drawn
original work. been streamlined. You no longer motif that was pleasing to the eyes
need a separate run for each color, and upload it to the site. The hard part
A deep knowledge of manufactur- which made conventionally printed was creating a motif that is equally
ing techniques, dyes, fabrics, fibers, multicolored fabrics costlier; in- pleasing as it repeats across a wall or
papers, glazes and inks – expertise stead, all the colors can be printed on a sofa, without cutting off heads
that generally takes a professional at the same time. Because the print- in the wrong place or creating some
designer years to acquire – is no lon- er calibrates the colors before the other jarring visual.
ger a prerequisite. You only need to printing process begins, the manu-
know how to use a personal computer facturer does not have to expend My beginner mistakes were im-
and how to upload your own origi- mediately apparent because the site
nal artwork or photographs onto a shows how a proposed wallpaper pat-
tern ($5 to $7.50 per lineal foot) would
look in a room with furniture or, on
its sister website, roostery.com, how a
fabric pattern would look on a pillow
or as a place mat. A novice can even-
tually figure out how to make it all
work, but for most people the easier
path, by far, will be to customize a de-
sign that is already offered.

If you’re more comfortable with
fewer choices, minted.com (for $32 to
$34 a yard) offers a limited menu. For
most of the nearly 600 fabric designs
featured on the MintedHome section,
you may change only one color (usu-
ally the background), and the choices
are usually limited to four or five. The
site provides electronic previews for
each color option and each applica-
tion, including fabric-covered lamp-

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 83

REAL ESTATE

work, and the site handles the rest. and a detail of the mural at full size so
The overall size of the mural, which you judge the quality of your hugely
can be as small as 12 by 18 inches or enlarged image for yourself.
as large as the side of a building, is de-
termined by the resolution of the im- How would I sum up my experi-
ages you submit. The size of individu- ence with the online digital decorat-
al tiles in your mural can be as small ing world?
as 1 by 1 inch or as large as 24 by 24
inches, depending on the resolution Most people associate online pur-
of your image and your preferences. chases with speed and immediacy –
order it now and get it in three days.
To guide your decisions, imagesin- But in this case you need to take it
tile.com will send you several preview slow and get samples before commit-
shots to show what the tile mural will ting yourself to a larger quantity. The
look like. The previews include your colors on the actual item may vary
image with a grid overlay so that you from what you see on your screen.
can see where the grout lines will fall With textiles, the color also can be af-
fected by the fabric you select. 

shades, throw pillows, table linens, By contrast, the two tile websites
drapes and yardage. The preview of that I explored, imagesintile.com,
drapery as seen from across a room based in Joplin, Mo., and MIPA’s
is especially informative, as many customcoloursystem.it in Modena,
patterns look quite different when Italy, are very accessible to their cus-
viewed from afar. tomers, perhaps because they offer
unique services that cannot be easily
For the more adventurous, weave- handled online.
up.com (for $17.99 to $39.99) offers
nearly unlimited customization op- MIPA’s tiles are still handmade, us-
tions for its 10,000 fabric designs. Not ing an intaglio technique developed
only can you change as many as 12 more than a century ago. But you
colors in the same pattern, but each select the tile pattern and colors at
color also can be any one of more MIPA’s site, choosing among five floor
than 1,600 that you select from a color patterns, 80 individual tile patterns,
wheel that appears on the screen with and 29 traditional and contemporary
the pattern to be customized. You can colors. As you choose each color for an
also increase or decrease the size of individual tile, the site shows how an
the repeat. By the time I had changed entire floor in that pattern and those
all 11 colors and the repeat of “Batik colors would look. The immediate
Vibration,” the result bore so little re- feedback was quite helpful as I strove
semblance to B.B. Kolanz’s original to create a balanced look without one
design that I considered it a “Salant color dominating all the others.
original.”
Though common in Europe, MIPA’s
Spoonflower does not offer a cus- terrazzo tiles will be new for most
tomization option for the more than Americans. They’re made with tiny
350,000 fabric and wallpaper patterns chips of marble and other stones that
on its site, but it will forward a request give the smooth finished surface an
to change the color in a particular unusual textured look.
pattern to the designer, who usually
will do this at no charge. I “designed” two tile patterns in
different color groups, which MIPA
I found only one downside here. produced and sent to me as samples.
These three websites offer plenty Compared with the website, the
of online tutorials and blogs. And colors are significantly lighter and
Spoonflower has published the ex- more muted and the textured look
tremely helpful “The Spoonflower more pronounced. They would be a
Handbook” (2015, Stewart, Tabori & great floor finish for any wet area in
Chang, $27.50), but there is no option a house, but I would get at least one
for connecting with a real person if tile sample before selecting the other
you get stuck. colors for the space where you intend
to use them.

Unlike all the other websites,
which have large online catalogues,
imagesintile.com specializes in cre-
ating one-of-a-kind tile murals, us-
ing images that its customers upload.
Of all the websites that I tried, theirs
was the easiest to use because all you
do is upload your photograph or art-

84 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

REAL ESTATE

Real Estate Sales on the Barrier Island: Oct. 21 to Oct. 27

The barrier island real estate market remained relatively quiet the last full week of October, with seven
sales recorded including one for more than $1 million.

The top sale of the week was of a property in Riomar. The home at 946 Seagrape Lane was placed on the
market Dec. 1, 2015, with an asking price of $1.25 million. The sale closed on Oct. 26 for $1.12 million.

The seller in the transaction was represented by Kay Brown of Premier Estate Properties. The purchaser
was represented by Elizabeth Sorensen of Dale Sorensen Real Estate.

SINGLE-FAMILY RESIDENCES AND LOTS

SUBDIVISION ADDRESS LISTED ORIGINAL MOST RECENT SOLD SELLING
ASKING PRICE ASKING PRICE PRICE
$322,000
$330,000 $390,000
SEA OAKS 1524 ORCHID DRIVE 9/12/2016 $330,000 10/21/2016 $610,000
$665,000
OCEAN CORP 902 SANDPIPER LANE 7/27/2016 $409,000 $409,000 10/21/2016
$198,000
MARBRISA 530 MARBRISA DRIVE 8/31/2016 $670,000 $670,000 10/21/2016 $775,000

MOORINGS 825 STARBOARD DRIVE 6/11/2015 $875,000 $785,000 10/21/2016

TOWNHOMES, VILLAS, CONDOS, MULTIFAMILY AND INVESTMENT

SEA OAKS 1315 WINDING OAKS CIRCLE E, #906 7/6/2016 $225,000 $225,000 10/26/2016
SEAQUAY CONDO 10/21/2016
4800 HIGHWAY A1A, #402 1/15/2016 $849,999 $849,999

Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 85

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Ocean Corp, Address: 902 Sandpiper Lane Subdivision: Marbrisa, Address: 530 Marbrisa Drive

Listing Date: 7/27/2016 Listing Date: 8/31/2016
Original Price: $409,000 Original Price: $670,000
Recent Price: $409,000 Recent Price: $670,000
Sold: 10/21/2016 Sold: 10/21/2016
Selling Price: $390,000 Selling Price: $610,000
Listing Agent: Kelly Fischer Listing Agent: Nancy A. Jones

Selling Agent: Treasure Coast Sotheby’s Intl Selling Agent: Berkshire Hathaway Florida

Dan Downey Becky Rossway

Berkshire Hathaway Florida Berkshire Hathaway Florida

Subdivision: Moorings, Address: 825 Starboard Drive Subdivision: Seaquay Condo, Address: 4800 Highway A1A, #402

Listing Date: 6/11/2015 Listing Date: 1/15/2016
Original Price: $875,000 Original Price: $849,999
Recent Price: $785,000 Recent Price: $849,999
Sold: 10/21/2016 Sold: 10/21/2016
Selling Price: $665,000 Selling Price: $775,000
Listing Agent: Claudia Pascal Listing Agent: Matilde G. Sorensen

Selling Agent: Treasure Coast Sotheby’s Intl Selling Agent: Dale Sorensen Real Estate Inc.

Claudia Pascal Matilde G Sorensen

Treasure Coast Sotheby’s Intl Dale Sorensen Real Estate Inc.

SallyWoods
PROFESSIONALISM
I N T E G R I T Y ~ R E S U LT S

RIVER RIDGE CASTAWAY COVE GRAND HARBOR

Elegant 4BR/3.5BA home, unique appointments throughout! East of A1A! Inviting 3BR/2BA, screened lanai & pool, Prime lakefront building lot with golf course view, gated
Remodeled between 2002-2006 with expansive pool & patio HGTV touches throughout, gated community, beach access community with clubhouse, golf, tennis, marina, beach club

$980,000 $524,900 $395,000

Y our satisfaction is my highest goal, real estate is a lasting relationship.

direct 772.492.5333 | cell 772.538.1861 | [email protected] | www.sallywoods.com

86 Vero Beach 32963 / November 3, 2016 Your Vero Beach Newsweekly ™

REAL ESTATE

Dcoomn’etsbteo ccoonnfduoseindswuhraennciet

BY SANDY GADOW confusion arises over what each pol- in the event of calamities such as a and/or to their individual units,”
Washington Post icy covers and the potential for gaps fire, flood, windstorm or other di- said Jack Hungelmann, author of
– or a lack of coverage – for certain, saster that causes damage to either “Insurance for Dummies.” “To add
Condominium insurance is often often costly, occurrences. the common areas of the building to the problem, insurance agents
misunderstood, and for good reason.
The result can cost unsuspecting
Typically, owners are protected un- owners hundreds or even thousands
der two insurance policies: a master of dollars.
policy for the condo association and
an individual, or HO-6, policy. The “Most condominium owners have
no idea what they are responsible for

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / November 3, 2016 87

REAL ESTATE

often don’t get it right and leave the state statute … but because lenders
owners underinsured.” insisted on it.”

Basic association master policies Treese points out that condo owners
generally provide one of two types of who have a government-sponsored
coverage. One is “walls-in,” extend- mortgage, such as from Fannie Mae
ing from the exterior framing inward or Freddie Mac, are required to pro-
but not covering fixtures within the vide proof of sufficient insurance. If
unit. The other – “all-in” coverage – the master policy is found lacking, the
includes interior surfaces of the walls, individual must also buy an HO-6 pol-
floors and ceilings but might not in- icy. Owners with an existing mortgage
clude improvements, such as new may find that because of a change in
countertops, bathroom and kitchen the lender’s insurance requirements,
fixtures, and upgraded flooring. they will be asked to update and pro-
vide new proof of insurance to fulfill
Both of those policies come with their coverage obligation.
a deductible, normally set by the as-
sociation’s board of directors. If faced Yet another challenge that own-
with an increase in the cost of the ers face is finding an agent who is
master policy, board members may knowledgeable about condominium
opt instead to increase the size of the insurance requirements and is will-
deductible. Notification of the change ing to spend the time needed on a
will be made to the owners but can relatively low-commission HO-6
easily be overlooked if it is buried policy. “Personal insurance agents
within a lengthy year-end report. may not be as motivated as commer-
cial brokers who write more-expen-
Individual HO-6 policies cover in- sive policies,” Treese said. “A master
terior walls; paint; improvements condo policy may have a premium of
such as cabinets, flooring and fix- $40,000 and pay a commission of 15
tures; and personal property. They percent, or $6,000, while an individ-
also provide liability coverage for cer- ual HO-6 policy may cost the owner
tain incidents. Loss assessment cov- $700 with a 15 percent commission
erage is critical: In instances where of $105. You can guess which policy
a unit owner could be held liable for will get the most attention.”
damage to other units or common
areas and required to pay the asso- Said Diamond, “You can’t expect
ciation deductible, it can cover all or your personal insurance agent to read
part of any payment. through the association documents,
but you can expect him or her to call
“More and more associations are the property manager and request a
changing their rules so that the mas- copy of the certificate of insurance
ter policy deductibles are no longer for the master policy and then make
always assessed against all unit own- a determination as to the insurance
ers but rather are assessed against coverage you should have.”
an affected individual unit owner,”
Hungelmann said. “For example, Hungelmann suggests several steps
HOA master policies can have large owners can take to set up the proper
deductibles for structural damage – HO-6 coverage:
in the range of $10,000 to $20,000 or
more – and if a fire in an owner’s unit  ● Make a list of the building items
damages the common areas, then he not covered by the master policy:
or she could be held liable for the full hardwood floors, tile floors, kitchen
deductible amount.” cabinets, plumbing and electrical fix-
tures, built-in appliances, owner im-
In some jurisdictions, when a unit provements, etc.
owner is found to be negligent – such
as when a bathtub overflows or there  ● Estimate the replacement cost
is a kitchen fire, and other units or of each structural item that is the re-
common areas are damaged – the sponsibility of the individual owner.
owner can be held responsible for To be safe, add an extra 20 percent to
paying the entire association de- the total to allow for estimating er-
ductible. To compound the confu- rors.
sion, condominium insurance laws
vary from state to state, and they can  Add “special perils” coverage
change from one year to the next. (water damage to walls and ceiling
from roof leaks), and increase cover-
The Foundation for Community age for losses subject to the master
Association Research and the Com- policy deductible.
munity Associations Institute pub-
lish a database of state-by-state  ● Find out your association’s
statistics and state summaries at master policy deductible, as well as
www.cairf.org/research/factbook . the maximum deductible autho-
“Historically, less than 20 percent rized in the condo documents. If an
of owners had HO-6 insurance, but insurance company does not offer
that number is now at about 50 per- an amount high enough to cover a
cent,” said Clifford J. Treese, who potential master deductible assess-
collects and maintains the data for ment, consider contacting a different
the groups. “The rise was not due to insurance agent.

 ● Be sure to buy adequate liability
coverage. 