Dog The Bounty Hunter is the extent to which most people come across bail and the bail bonds industry. So it is no secret why the average American can't tell the difference between a bail bond and bail. Often people use the terms "bail" and "bail bonds" interchangeably. However, they are far from interchangeable terms.
After arrest, a defendant may be eligible for bail. Bail is set during a bail hearing by a justice of the peace or judge. Bail is money paid to the court to secure a defendant's release. Once bail is posted, the defendant is freed from jail but is still obligated to appear at all scheduled court appointments. If they fail to do so, the bail money may be kept by the court. Once the criminal proceedings are finished and regardless of outcome, if the defendant has appeared before the court as ordered the bail money will be returned. The bail money merely acts an incentive and collateral to ensure the accused appear as ordered by the court.
In the event that a defendant is unable or unwilling to provide the full bail amount to the court, a bail bondsman may be used to post the bail on their behalf. However, bail bondsmen do not put forth the entire amount of bail. They post a bail bond to the court. Bail bonds are smaller amount of money that acts as a promise or surety bond. In the event the defendant does not appear, the bail bondsman may have to produce the full bail amount to the court.
Bail serves two purposes. It gives a defendant time to properly execute their defense preparation, free from the limitations of jail. Most importantly, it enables innocent people from being held in jail while they go through the trial process.
Bail is a very important aspect of the judicial system. Bail bondsmen play an integral role in the ensuring the system functions as it is designed to.
Sunday, July 18, 2010
Saturday, July 10, 2010
Selecting A Bail Bondsman - Important Things To Know
So your friend or family member has been arrested. Many things are racing through your mind about what to do next. First things first, you need to get them out of jail as soon as possible. Then and only then, can the process of putting their life back together can begin.
So who do you call? Post bail yourselves or hire a bail bondsman? Picking a bail bonds agnecy is a hugely important decision. The quality of bail bond companies in a local marketplace can vary greatly. Even though bail bonds companies can not adjust their fees, they still can offer very different levels of customer service. So it is imperative to understand all of your bail bond options and then hire the bail bondsman that best suits your needs.
A bail bondsman and the company they work for, must be fully licensed by the state in which they operate. For example, someone selling Las Vegas bail should be licensed as a bail bondsman by the state of Nevada.
Another important consideration is the amount of bail bonds industry experience a particular bail bondsman has. Through time in the trenches, a bail bondsman develops a keen understanding of the various local court systems, different detention facilities and all of the processes unique to each venue. An experienced bail bondsman can more easily navigate these systems to provide their client with a quick and expedient release.
Part of customer service in the bail bonds business is flexibility. Although bail bondsmen must charge the same fees, they can provide much different payment plans. For example, some bail bondsmen provide credit card payments, no collateral bonds and sometimes financing. It is a good sign when a bail bondsman takes the time to understand a client's financial position and then provides a solution that fits their needs.
Easy access to your bail bondsman is a critical element of a good bail bond professional. Clients often need to access their bail bondsman at all hours of the day or night. This is not only true while posting the bail bond, but also as the defendant navigates the post release judicial process. Prospective bail bondmen should be willing to provide easy access to all of their clients day or night.
There are a number of factors that differentiate good bail bonds companies from bad ones. It is important to understand how each bail bondsman is different and which one is going to be the best fit for your needs.
So who do you call? Post bail yourselves or hire a bail bondsman? Picking a bail bonds agnecy is a hugely important decision. The quality of bail bond companies in a local marketplace can vary greatly. Even though bail bonds companies can not adjust their fees, they still can offer very different levels of customer service. So it is imperative to understand all of your bail bond options and then hire the bail bondsman that best suits your needs.
A bail bondsman and the company they work for, must be fully licensed by the state in which they operate. For example, someone selling Las Vegas bail should be licensed as a bail bondsman by the state of Nevada.
Another important consideration is the amount of bail bonds industry experience a particular bail bondsman has. Through time in the trenches, a bail bondsman develops a keen understanding of the various local court systems, different detention facilities and all of the processes unique to each venue. An experienced bail bondsman can more easily navigate these systems to provide their client with a quick and expedient release.
Part of customer service in the bail bonds business is flexibility. Although bail bondsmen must charge the same fees, they can provide much different payment plans. For example, some bail bondsmen provide credit card payments, no collateral bonds and sometimes financing. It is a good sign when a bail bondsman takes the time to understand a client's financial position and then provides a solution that fits their needs.
Easy access to your bail bondsman is a critical element of a good bail bond professional. Clients often need to access their bail bondsman at all hours of the day or night. This is not only true while posting the bail bond, but also as the defendant navigates the post release judicial process. Prospective bail bondmen should be willing to provide easy access to all of their clients day or night.
There are a number of factors that differentiate good bail bonds companies from bad ones. It is important to understand how each bail bondsman is different and which one is going to be the best fit for your needs.
Thursday, June 17, 2010
Woman Bails Out Person Accused of Her Murder
Less than three weeks before a retired school teacher was found dead inside her Brookfield home, she posted the bail that allowed a man she had befriended and who is now charged in her slaying to be released from Cook County Jail, according to documents obtained by the Tribune.
Marilyn Fay, 65, used her credit card May 27 to put up the $2,500 bail that allowed Steven Kellmann, 30, to go free, documents show. Fay was found dead in her home on Monday, stabbed, beaten and suffocated, authorities said.
Kellmann, who was taken into custody Monday, was ordered held on $2 million bail Thursday after being charged with first-degree murder and armed robbery in connection with Fay's death.
Kellmann, who has a lengthy criminal record and spent time in prison, was charged May 16 with driving on a suspended license after a traffic stop by Chicago police on the Eisenhower Expressway, authorities said. According to the bond document, Fay posted the 10 percent of the $25,000 bail a judge set in that felony case and was listed as a friend of Kellmann's.
Kellmann first met Fay at the Brookfield Public Library, where she worked part time, and for a time she allowed him to live at her home, according to authorities and Fay's friends.
She had tried to help him repeatedly because she saw the good in him, and even after she asked him to move out because he had anger management problems, she allowed him to do handyman work at her house, friends said.
In several instances following past arrests, Kellmann posted bail but violated the terms for his release and forfeited those funds, prosecutors said. While setting the high bail during a hearing in Maywood on Thursday, Judge James Gavin cited the forfeited bonds and Kellmann's lengthy criminal record.
Gavin also found probable cause to detain Kellmann for Fay's slaying after prosecutors laid out their case against him. For Kellmann to be released, the entire bail amount would have to be paid.
Assistant State's Attorney Andres Almendarez said Fay was last seen alive with Kellmann about 7 p.m. Sunday. Her body was found by police the next day in the bedroom of her home in the 3300 block of Arthur Avenue.
In the hours after her death, Kellmann tried to use her credit cards three times. He also called family members, telling them he had messed up, was suicidal, was going back to jail and that he had killed somebody, Almendarez told the judge.
Using a locating signal from a cell phone, Kellmann was arrested about 5 p.m. in a motel room on the Southwest Side of Chicago with a 23-year-old Arlington Heights woman. Fay's SUV was parked a block and a half away. In the hotel room, police found bloody clothing and more than 40 bags of heroin. Family members said Kellmann had a drug problem. Kellmann also had Fay's cell phone, credit cards and keys, Almendarez said.
The woman was later released without charges.
Kellmann's criminal background includes aggravated robbery, for which he was sentenced to six years in prison for forcing someone to withdraw money from their account at gunpoint. Other convictions include battery and theft. The ongoing suspended license case stems from a previous DUI, Almendarez said.
Kellmann's next court date is June 24 in Maywood.
Marilyn Fay, 65, used her credit card May 27 to put up the $2,500 bail that allowed Steven Kellmann, 30, to go free, documents show. Fay was found dead in her home on Monday, stabbed, beaten and suffocated, authorities said.
Kellmann, who was taken into custody Monday, was ordered held on $2 million bail Thursday after being charged with first-degree murder and armed robbery in connection with Fay's death.
Kellmann, who has a lengthy criminal record and spent time in prison, was charged May 16 with driving on a suspended license after a traffic stop by Chicago police on the Eisenhower Expressway, authorities said. According to the bond document, Fay posted the 10 percent of the $25,000 bail a judge set in that felony case and was listed as a friend of Kellmann's.
Kellmann first met Fay at the Brookfield Public Library, where she worked part time, and for a time she allowed him to live at her home, according to authorities and Fay's friends.
She had tried to help him repeatedly because she saw the good in him, and even after she asked him to move out because he had anger management problems, she allowed him to do handyman work at her house, friends said.
In several instances following past arrests, Kellmann posted bail but violated the terms for his release and forfeited those funds, prosecutors said. While setting the high bail during a hearing in Maywood on Thursday, Judge James Gavin cited the forfeited bonds and Kellmann's lengthy criminal record.
Gavin also found probable cause to detain Kellmann for Fay's slaying after prosecutors laid out their case against him. For Kellmann to be released, the entire bail amount would have to be paid.
Assistant State's Attorney Andres Almendarez said Fay was last seen alive with Kellmann about 7 p.m. Sunday. Her body was found by police the next day in the bedroom of her home in the 3300 block of Arthur Avenue.
In the hours after her death, Kellmann tried to use her credit cards three times. He also called family members, telling them he had messed up, was suicidal, was going back to jail and that he had killed somebody, Almendarez told the judge.
Using a locating signal from a cell phone, Kellmann was arrested about 5 p.m. in a motel room on the Southwest Side of Chicago with a 23-year-old Arlington Heights woman. Fay's SUV was parked a block and a half away. In the hotel room, police found bloody clothing and more than 40 bags of heroin. Family members said Kellmann had a drug problem. Kellmann also had Fay's cell phone, credit cards and keys, Almendarez said.
The woman was later released without charges.
Kellmann's criminal background includes aggravated robbery, for which he was sentenced to six years in prison for forcing someone to withdraw money from their account at gunpoint. Other convictions include battery and theft. The ongoing suspended license case stems from a previous DUI, Almendarez said.
Kellmann's next court date is June 24 in Maywood.
Monday, May 10, 2010
Principles Of Bail Bonds
Like many industries, the bail bonds industry is regulated by each individual state. However, in many states bail bonds and the treatment of a bail bondsman is very similar. Usually, the department of insurance in each respective state is the entity that that oversees the bail bonds industry. The Nevada Department of Business and Industry, Division of Insurance has jurisdiction over Las Vegas bail bonds and bail bondsmen.
Bail bonds, for the most part, are used in the court system for the same reason throughout America. When someone is arrested they may be "bailed out" if that is an option offered to them by the court. Bail is supposed to keep an innocent person from being locked up unnecessarily and provide the accused with ample opportunity to prepare their defense.
Las Vegas bail bonds work the same way as bail bonds in other areas. Bail is set by a judge at a bail hearing. The bail amount is based on the severity of the crime and defendant's flight risk. The bail is held through the criminal proceeding and is returned upon conclusion of the trial regardless of a guilty or innocent verdict. Bail is merely an incentive for the defendant to appear in court as ordered and provides a financial reason to not flee prior to the end of the criminal case.
Bail bondsmen are available to post a bail bond for defendants that don't want to commit the entire bail amount or can not afford to tie up the full bail amount. Bail bondsmen collect a small percentage of the bail amount as a fee to post what is called a bail bond. A bail bond posted by a bail bondsman is different from bail posted directly by a defendant or their family. The bond offered by bail bondsmen works as collateral that the defendant will appear in court as scheduled. Although, if the defendant misses their court appearances, the entire bail is owed to the court by a bail bondsman.
A Las Vegas bail bondsman must a charge a fixed percentage of the bail amount. This amount is set at 15% of the bail amount or $50, whichever is more. The state mandates the amount a Nevada bail bondsman can charge. Most Las Vegas area detention facilities also charge bonding, booking or filing fees that are approximately $40. A bail bondsman in Las Vegas will not refund their bail bonds fee. This is how they generate income and operate as a business.
Bail bonds, for the most part, are used in the court system for the same reason throughout America. When someone is arrested they may be "bailed out" if that is an option offered to them by the court. Bail is supposed to keep an innocent person from being locked up unnecessarily and provide the accused with ample opportunity to prepare their defense.
Las Vegas bail bonds work the same way as bail bonds in other areas. Bail is set by a judge at a bail hearing. The bail amount is based on the severity of the crime and defendant's flight risk. The bail is held through the criminal proceeding and is returned upon conclusion of the trial regardless of a guilty or innocent verdict. Bail is merely an incentive for the defendant to appear in court as ordered and provides a financial reason to not flee prior to the end of the criminal case.
Bail bondsmen are available to post a bail bond for defendants that don't want to commit the entire bail amount or can not afford to tie up the full bail amount. Bail bondsmen collect a small percentage of the bail amount as a fee to post what is called a bail bond. A bail bond posted by a bail bondsman is different from bail posted directly by a defendant or their family. The bond offered by bail bondsmen works as collateral that the defendant will appear in court as scheduled. Although, if the defendant misses their court appearances, the entire bail is owed to the court by a bail bondsman.
A Las Vegas bail bondsman must a charge a fixed percentage of the bail amount. This amount is set at 15% of the bail amount or $50, whichever is more. The state mandates the amount a Nevada bail bondsman can charge. Most Las Vegas area detention facilities also charge bonding, booking or filing fees that are approximately $40. A bail bondsman in Las Vegas will not refund their bail bonds fee. This is how they generate income and operate as a business.
Wednesday, April 21, 2010
Proposed law could increase bondsman revenue
LEE COUNTY: A program that could save you money and cut overcrowding in jails is in jeopardy. The program is called Pretrial Release. It allows non-violent offenders to stay out of jail while waiting for their court dates. And one group stands to gain greatly if the program goes away.
Each inmate processed, finger-printed, and fed at Lee County's Detention Center costs taxpayers $82 a day. That's nearly $5-million a month to care for about 2,000 inmates.
Court administrators say a program called Pretrial Release prevents that cost from increasing.
"It does have that great benefit to it. If you're finding people who are safe to be out of the jail, who meet the criteria set forth, it works out very well in terms of saving money," says Sheila Mann, spokeswoman with the 20th Judicial Circuit.
Mann says Pretrial Release allows non-violent offenders, who meet strict guidelines, an opportunity to wait for their court-date out of jail.
The fewer people waiting in jail means taxpayers pay less to keep the jail running.
Not everyone thinks the program is a good solution. State Senator John Thrasher believes the private industry can do what Pretrial Release does, at no cost to taxpayers.
He's pushing a proposed law that would strictly limit the number of people who qualify for Pretrial Release.
"I believe it's about saving taxpayers money. Some folks came to me about this issue and I believe it's the right thing to do," said Thrasher.
The folks who came to him were bail bondsmen.
According to the bill's own cost analysis, "bail bonds agents are likely to see an increase in revenues if the bill becomes law."
Basically, the fewer people who would qualify for Pretrial Release could mean more would have to pay a bondsman to get out jail.
Many taxpayers we spoke to just want to know why they should care.
If defendants can't afford to post a bond, they sit in jail longer and that costs taxpayers money.
Increased jail population is just part of the problem. Pretrial services say their biggest concern is safety.
"It's all about public safety. They can find things in someone's background or in interviewing them that sends up a red flag that they need to wait for a judge to see them, and the judge can assess the situation," said Mann.
Bondsman Wayne Spath agrees safety is the top priority He said, "For the most part, we get our people to court. Bottom-line, or we wouldn't be in business."
Spath owns Perkins Bail Bonds in Fort Myers.
"We make sure they go to court. Read the Bureau of Justice Statistics. Go read what it says," he said.
So, we did.
While the justice department study shows more pretrial defendants re-offend than those out on bond and fewer people show up to court, it's based on national figures.
That's not the case in Lee County. According to Lee County's Clerk's Office, nearly seven percent of offenders out on bond failed to appear at their first court hearing; compared to four percent under Pretrial Release.
Spath calls the program "a get out of jail free card" for defendants waiting for court-dates. The courts say that's an unfair claim from a private industry that stands to gain.
WZVN Channel 7
Each inmate processed, finger-printed, and fed at Lee County's Detention Center costs taxpayers $82 a day. That's nearly $5-million a month to care for about 2,000 inmates.
Court administrators say a program called Pretrial Release prevents that cost from increasing.
"It does have that great benefit to it. If you're finding people who are safe to be out of the jail, who meet the criteria set forth, it works out very well in terms of saving money," says Sheila Mann, spokeswoman with the 20th Judicial Circuit.
Mann says Pretrial Release allows non-violent offenders, who meet strict guidelines, an opportunity to wait for their court-date out of jail.
The fewer people waiting in jail means taxpayers pay less to keep the jail running.
Not everyone thinks the program is a good solution. State Senator John Thrasher believes the private industry can do what Pretrial Release does, at no cost to taxpayers.
He's pushing a proposed law that would strictly limit the number of people who qualify for Pretrial Release.
"I believe it's about saving taxpayers money. Some folks came to me about this issue and I believe it's the right thing to do," said Thrasher.
The folks who came to him were bail bondsmen.
According to the bill's own cost analysis, "bail bonds agents are likely to see an increase in revenues if the bill becomes law."
Basically, the fewer people who would qualify for Pretrial Release could mean more would have to pay a bondsman to get out jail.
Many taxpayers we spoke to just want to know why they should care.
If defendants can't afford to post a bond, they sit in jail longer and that costs taxpayers money.
Increased jail population is just part of the problem. Pretrial services say their biggest concern is safety.
"It's all about public safety. They can find things in someone's background or in interviewing them that sends up a red flag that they need to wait for a judge to see them, and the judge can assess the situation," said Mann.
Bondsman Wayne Spath agrees safety is the top priority He said, "For the most part, we get our people to court. Bottom-line, or we wouldn't be in business."
Spath owns Perkins Bail Bonds in Fort Myers.
"We make sure they go to court. Read the Bureau of Justice Statistics. Go read what it says," he said.
So, we did.
While the justice department study shows more pretrial defendants re-offend than those out on bond and fewer people show up to court, it's based on national figures.
That's not the case in Lee County. According to Lee County's Clerk's Office, nearly seven percent of offenders out on bond failed to appear at their first court hearing; compared to four percent under Pretrial Release.
Spath calls the program "a get out of jail free card" for defendants waiting for court-dates. The courts say that's an unfair claim from a private industry that stands to gain.
WZVN Channel 7
OC Bail Bonds Trade Group Sues Over Marketing
Glossy fliers the size of postcards with eye catching designs and eye popping colors greet everyone coming and going from the Orange County Central Men's jail.
They've been left by eager bail bondsmen trying to compete for the luccrative bail bonds business which is potentially coming in and out of the jail complex. This is the essence of guerilla marketing and it is esclating in Orange County. It extends into the parking structure adjacent to the jail, with vehicles wrapped in extra large colorful advertisements for each baondsman's respective bail bonds business.
Newport Beach attorney Richard P. Herman filed a lawsuit on behalf of the Orange County Bail Agents Association on to stop these guerrilla marketeers and their aggressive solicitation outside jails and police stations.
But some bail bond company owners contend it's legal absolutely legal and the bail bonds association is suing at the behest of other more established and powerful bail bonds companies. The association's lawsuit alleges that the agressive solictation creates an unfair playing field for other bail bondsmen.
Not coincidentally, the the newer bail bondsmen and the more established bail bondsmen are lined up on opposing sides of the issue. The newer businesses say they are doing what is their right to promote their business and attempt to grow it through innovative and creative methods. They complain that the more established bail bonds companies would rather not have to compete with the effective and aggressive methods, instead relying on their reputations and more traditional marketing practices.
The Orange County Bail Agents Association's lawsuit names Orange County and the city of Santa Ana as the defendantse. The lawsuit will be heard by U.S. District Judge Andrew Guilford. The lawsuit states bail companies are not allowed to send representatives into the public to solicit business. The matter will be decided in federal court soon enough.
Although this isn't the first time bail bond solicitation practices have been called into question, it is new territory for a bail bonds association to sue other local bail bondsmen over the matter. The issue of how a bail bondsman may market or solicit their services is a hotly contested one in many areas.
Bail bondsmen have made similar claims for agressive marketing of Las Vegas bail bonds, Miami bail bonds and San Diego bail bonds to name a few.
They've been left by eager bail bondsmen trying to compete for the luccrative bail bonds business which is potentially coming in and out of the jail complex. This is the essence of guerilla marketing and it is esclating in Orange County. It extends into the parking structure adjacent to the jail, with vehicles wrapped in extra large colorful advertisements for each baondsman's respective bail bonds business.
Newport Beach attorney Richard P. Herman filed a lawsuit on behalf of the Orange County Bail Agents Association on to stop these guerrilla marketeers and their aggressive solicitation outside jails and police stations.
But some bail bond company owners contend it's legal absolutely legal and the bail bonds association is suing at the behest of other more established and powerful bail bonds companies. The association's lawsuit alleges that the agressive solictation creates an unfair playing field for other bail bondsmen.
Not coincidentally, the the newer bail bondsmen and the more established bail bondsmen are lined up on opposing sides of the issue. The newer businesses say they are doing what is their right to promote their business and attempt to grow it through innovative and creative methods. They complain that the more established bail bonds companies would rather not have to compete with the effective and aggressive methods, instead relying on their reputations and more traditional marketing practices.
The Orange County Bail Agents Association's lawsuit names Orange County and the city of Santa Ana as the defendantse. The lawsuit will be heard by U.S. District Judge Andrew Guilford. The lawsuit states bail companies are not allowed to send representatives into the public to solicit business. The matter will be decided in federal court soon enough.
Although this isn't the first time bail bond solicitation practices have been called into question, it is new territory for a bail bonds association to sue other local bail bondsmen over the matter. The issue of how a bail bondsman may market or solicit their services is a hotly contested one in many areas.
Bail bondsmen have made similar claims for agressive marketing of Las Vegas bail bonds, Miami bail bonds and San Diego bail bonds to name a few.
Thursday, March 18, 2010
Bail Bondsman Arrested
Baltimore's leading bail bondsman and his son were arrested Wednesday on federal charges of filing false tax returns and illegally running an insurance business, among other counts.
Milton Tillman Jr., 54, and his son, Milton Tillman III, 35, who run 4 Aces Bail Bonds Inc. and other companies, were each released pending trial during an initial appearance in Baltimore U.S. District Court on Wednesday afternoon. Neither man had been able to review the 28-count indictment before being brought to court.
Tillman Jr.'s attorney said they "had known about this case for some time," however
Federal agents raided Tillman Jr.'s offices a year and a half earlier, seizing financial, phone and business records belonging to him and his son, along with records from a longshoremen's union at the Dundalk Marine Terminal. Milton Jr. is also charged with defrauding Ports of America Baltimore Inc. by overrepresenting the hours he worked as a longshoreman.
He's been prosecuted federally twice. He pleaded guilty in 1993 to trying to bribe a city zoning board member, and in 1996 was sentenced to 57 months in prison on charges he failed to pay taxes and funneled money into a nightclub he owned. The new indictment, returned last month and unsealed Wednesday, contains similar charges.
Milton Jr. is charged with conspiracy to defraud the Treasury Department by underrepresenting his earnings as a bail bondsman while spending large amounts to acquire apartment buildings, pay court fines and maintain his BMW along with hefty premiums on nearly $10 million in life insurance. He's also charged with five counts of filing false tax returns, one count of unlawfully engaging in the insurance business (his previous convictions prevent it), and 15 counts of wire fraud.
Tillman III is charged with the conspiracy, five counts of false tax statements, and one count of permitting a prohibited person - his father - to participate in the insurance business.
Baltimore Sun
Milton Tillman Jr., 54, and his son, Milton Tillman III, 35, who run 4 Aces Bail Bonds Inc. and other companies, were each released pending trial during an initial appearance in Baltimore U.S. District Court on Wednesday afternoon. Neither man had been able to review the 28-count indictment before being brought to court.
Tillman Jr.'s attorney said they "had known about this case for some time," however
Federal agents raided Tillman Jr.'s offices a year and a half earlier, seizing financial, phone and business records belonging to him and his son, along with records from a longshoremen's union at the Dundalk Marine Terminal. Milton Jr. is also charged with defrauding Ports of America Baltimore Inc. by overrepresenting the hours he worked as a longshoreman.
He's been prosecuted federally twice. He pleaded guilty in 1993 to trying to bribe a city zoning board member, and in 1996 was sentenced to 57 months in prison on charges he failed to pay taxes and funneled money into a nightclub he owned. The new indictment, returned last month and unsealed Wednesday, contains similar charges.
Milton Jr. is charged with conspiracy to defraud the Treasury Department by underrepresenting his earnings as a bail bondsman while spending large amounts to acquire apartment buildings, pay court fines and maintain his BMW along with hefty premiums on nearly $10 million in life insurance. He's also charged with five counts of filing false tax returns, one count of unlawfully engaging in the insurance business (his previous convictions prevent it), and 15 counts of wire fraud.
Tillman III is charged with the conspiracy, five counts of false tax statements, and one count of permitting a prohibited person - his father - to participate in the insurance business.
Baltimore Sun
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