Talk’n TRM

Join host Bex Deadman for an insightful episode of Talk'n TRM, as she sits down with David Chappell, Chief Product Officer for Tripstax Technologies. Renowned in the industry for his deep understanding of all aspects of Travel Management Company (TMC) architecture and process flow, David brings a wealth of expertise to the table. With his unique ability to articulate complex problems and devise elegant solutions, he has earned a reputation for excellence in the field. Joining Tripstax Technologies in June 2023 as Chief Strategy Officer, David was tasked with aligning the company's commercial efforts with its products and further evolving TripStax's product offering in the market. As of January 1st, 2024, he assumed the role of Chief Product Officer, leveraging his tech knowledge to drive innovation and progress within the organisation. A free thinker known for his progressive approach to industry challenges, David's wide-ranging experience across the TMC value chain has positioned him as a leader in the field. Outside of work, he is a passionate collector of vinyl records, an antique typewriter restorer, and holds a black belt in Wado-Ryu karate-do. In this episode, David delves into the transformative role of technology in the travel industry and how it is reshaping travel management. He highlights the importance of communication between technology and suppliers, emphasising the role of standards such as ISO 31030 in ensuring compliance and mitigating risks. David also discusses the evolving landscape of corporate travel management, particularly in light of the pandemic, and the need for corporations to take ownership of their programs. Tune in as he shares his insights on the impact of the pandemic on travel risk management and the shifting priorities within the corporate supply chain. Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact David: https://tripstax.com/ https://www.linkedin.com/in/davidjfchappell/ Clemark Studios - https://www.clemarkgroup.com/studio/

Welcome back to Talk'n TRM: The Traveller Files, where we unravel the complexities of business travel through real-life experiences and expert insights. In this episode, James Kington, a seasoned chartered surveyor, takes us on another riveting journey—this time to a dam in Mozambique, where the lack of communication and unexpected challenges paint a vivid picture of the importance of thorough pre-travel risk assessment. As James recounts his tale, he reveals the shocking realisation that the Mozambique entity of the business was not expecting their arrival, leading to a frustrating lack of information during the initial days of their trip. Unbeknownst to them, their journey takes an even more perilous turn as they navigate through areas covered in landmines from the country's civil war, highlighting the critical importance of understanding the historical context of the destinations we visit. Bex emphasises the imperative role of effective communication between all parties involved before and during a business trip. She stresses the need to assume nothing, always ask questions, and not be afraid to say no if uncertainties arise. Bex further explores the necessity for robust processes in pre-travel risk assessments, advocating for due diligence on the countries to be visited. In this episode, she sheds light on how meticulous planning and continuous awareness can mitigate risks and contribute to the overall safety and success of a business traveler's journey. Join us for another episode of Talk'n TRM: The Traveller Files, where each tale is a lesson, and every journey is a risk worth exploring. If you wish to share your own travel story anonymously, please contact Bex at bex@8phaseconsulting.com. 8Phase Consulting - https://8phaseconsulting.com/ Bex Deadman Linkedin - https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ Clemark Studios - https://www.clemarkgroup.com/studio/ Assent Risk Management - www.assentriskmanagement.co.uk

Join host Bex Deadman for an enlightening episode of Talk'n TRM, as she sits down with Gary Hurst, the innovative Founder of Mysa. Mysa is a pioneering technology company dedicated to revolutionising corporate accommodation management. At the heart of Mysa is their platform, myo, designed to streamline the procurement, verification, booking, and management of properties. Recognised for its simplicity, effectiveness, and transparency, myo ensures all properties meet stringent standards of safety, security, and guest welfare through its unique digital verification program. Notably, myo was featured in the prestigious Business Travel Magazine Tech Hotlist in 2022. Gary's mission with Mysa began with empowering corporate buyers to have the same level of control and confidence in managing serviced accommodation as they do with hotel or airline programs. With myo, buyers can procure verified properties directly, negotiate non-commissionable rates, and ensure high-quality inventory that meets compliance guidelines as outlined in ISO 31030. In this episode, Gary shares his journey of founding Mysa, driven by his vision to simplify the booking process and bridge the gap in the market. He addresses pressing concerns regarding safety and regulation in accommodation, highlighting the inherent risks associated with platforms like Booking.com and Airbnb. Utilising technology, Gary and Mysa employ rigorous risk assessment and mitigation strategies to ensure accommodation safety and security. He emphasises the need for guidelines and standards for independent properties, advocating for a recognised certification scheme to establish a minimum verification standard across all accommodations. Join us as Gary Hurst shares his insights and strategies for transforming the corporate accommodation landscape, ensuring safety, security, and peace of mind for travellers worldwide. Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact Gary: https://www.linkedin.com/in/garyhurst/ https://www.linkedin.com/company/mysa-global/ https://mysa.global/ Clemark Studios - https://www.clemarkgroup.com/studio/

Welcome to another gripping episode of Talk'n TRM: The Traveller Files, where we unravel the intense narratives of business travel, delving into the heart of risk management. In this episode, we step into the shoes of Mike Causey, whose business trip to Jakarta takes an unimaginable turn as he finds himself mere feet away from a suicide bomber detonating in a hotel. Join host, Bex Deadman, as she navigates through Mike's harrowing experience and reflects on the crucial lessons it imparts. Bex sheds light on the importance of scenario-based training, emphasising how organisations cannot afford to rely solely on the assumption that their staff will train themselves for such critical situations. As Mike grapples with the aftermath of the traumatic event, Bex explores the complex emotions of survivor's guilt, offering a compassionate perspective on the mental and emotional toll that such incidents can take on individuals. Bex underscores the necessity for organisations to provide robust support systems for employees who have faced such traumatic events. Join us for another episode of Talk'n TRM: The Traveller Files, where each tale is a lesson, and every journey is a risk worth exploring. If you wish to share your own travel story anonymously, please contact Bex at bex@8phaseconsulting.com. 8Phase Consulting - https://8phaseconsulting.com/ Bex Deadman Linkedin - https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ Clemark Studios - https://www.clemarkgroup.com/studio/ Assent Risk Management - www.assentriskmanagement.co.uk

Join host Bex Deadman in a compelling episode of Talk'n TRM, as she sits down with Alexandra Delgado, the founder and CEO of Terrain 9, a specialized consultancy in field security and travel risk management. With over 15 years of industry expertise, Alexandra launched Terrain 9 with a clear mission: to assist organisations in navigating the complexities of global operations by enhancing the security of travelling and deployed personnel. Through her consultancy, she provides tailored support for organisations seeking effective security solutions, particularly in challenging environments. In this insightful conversation, Alexandra delves into her extensive experience within the industry, emphasising the importance of attention to detail, understanding human behaviour, and engaging in meaningful conversations to comprehend individuals' perspectives and lived experiences regarding travel risk management. Passionate and driven, Alexandra shares her inspiring journey into the industry and discusses the moments that sparked her motivation to work in this field. Don't miss out on this episode filled with valuable insights and firsthand experiences in travel risk management. Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact Alexandra: https://www.linkedin.com/in/rob-westwood-09140612/ Clemark Studios - https://www.clemarkgroup.com/studio/

Join host Bex Deadman in a compelling episode of Talk'n TRM, featuring Sam Cande, the CEO of Responsible Futures, a dedicated leader with a profound commitment to sustainability and social responsibility. With over two decades of experience in conferences, exhibitions, and publishing across various industries, including manufacturing, housing, sustainability, and business travel, Sam brings a wealth of knowledge to the table. Her current focus involves engaging in meaningful conversations with companies that align with her values. In this thought-provoking episode, Bex and Sam delve into the often-discussed yet challenging reality of organisations proclaiming sustainability but falling short in practice, especially when it comes to travel decisions. They explore the intrinsic value of purposeful travel, emphasising the need for a return to responsible practices in the era of global environmental concerns. Sam shares her personal journey, transitioning from large corporations to founding her own company, driven by a desire for a more meaningful and mindful professional experience. The conversation extends to the global repercussions of unsustainable practices and the urgent need for environmentally friendly approaches. Don't miss this enlightening discussion on Talk'n TRM, offering insights into responsible travel and sustainability from Sam Cande's extensive experience. Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact Sam: https://www.linkedin.com/in/sam-cande-65920012/ www.responsiblefutures.info Clemark Studios - https://www.clemarkgroup.com/studio/

Dive into an enlightening episode of Talk'n TRM as host Bex Deadman is joined by Carolyn Pearson, the CEO of Maiden Voyage. As the CEO and founder of maiden-voyage.com, Carolyn Pearson is a trailblazer in Inclusive Travel Security. With a passion for empowering individuals, corporations, and travel industry suppliers, Carolyn has garnered global recognition for her commitment to ensuring safe travel for everyone, regardless of their personal characteristics. Her influential presence in the security industry and insightful thought leadership have earned her numerous accolades and speaking engagements worldwide. Join Carolyn as she shares her inspiring journey, she shares her experience of being stranded in the Australian outback during a gap year to founding Maiden Voyage. Discover the driving force behind Carolyn's mission to create a platform for women travellers and promote inclusive travel security. In this captivating discussion, Carolyn sheds light on the challenges women and vulnerable people face while travelling and the importance of prioritising safety without compromising politeness. She emphasises the legal obligation of duty of care for companies and shares invaluable insights into responsible travel practices. Don't miss Carolyn's golden advice on essential questions to ask employees before travel and her empowering motto, "never about us, with us." Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact Carolyn: www.maiden-voyage.com https://www.linkedin.com/in/cpearson/ Clemark Studios - https://www.clemarkgroup.com/studio/

Welcome back to Talk'n TRM: The Traveller Files, the podcast that unveils the gripping narratives of business travel, where every journey is a lesson in risk management. In this episode, we accompany Jennifer Milton as she shares her experience of supporting people when an unforeseen avalanche in Alaska has disastrous consequences. Host Bex Deadman guides us through the harrowing events that unfolded as Jennifer grappled with the aftermath of deaths caused by the avalanche. Despite meticulous planning, sometimes nature has its own plans, and Bex reflects on the stark reality that even with the best precautions in place, things can take a tragic turn. As Jennifer faces the challenges of the unexpected, Bex takes us on a journey through the importance of a well-crafted plan and the indispensable support from suppliers and insurance in times of crisis. Through her expert analysis, Bex sheds light on the critical role these elements play in mitigating risks and ensuring the safety and well-being of travellers, even in the face of unforeseen natural disasters. Join us for another episode of Talk'n TRM: The Traveller Files, where each tale is a lesson, and every journey is a risk worth exploring. If you wish to share your own travel story anonymously, please contact Bex at bex@8phaseconsulting.com. 8Phase Consulting - https://8phaseconsulting.com/ Bex Deadman Linkedin - https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ Clemark Studios - https://www.clemarkgroup.com/studio/ Assent Risk Management - www.assentriskmanagement.co.uk

Join host Bex Deadman in an insightful episode of Talk'n TRM featuring Alexandra Hoffmann, the CEO of Crisis Ally, dedicated to empowering crisis leaders and their teams globally. Alexandra's extensive career spans the French government, multinational corporations, and NGOs, offering a wealth of experience in Business Resilience. A certified coach and yoga teacher, she holds degrees in Criminal Law, Corporate Security, and an MBA, exhibiting her multifaceted expertise. In this episode, Alexandar recounts her transition from corporate security to founding Crisis Ally, aiming to steer the industry toward resilience. She candidly shares her journey as a female professional in a male-dominated crisis management realm, emphasising her unwavering commitment to aiding people. The conversation delves into the essence of travel risk and crisis management, stressing its fundamental focus on organisational well-being and employee happiness, not merely legal repercussions. Alexandar's passion and empathy shine through as she narrates impactful stories from her corporate security experience, illustrating the core importance of caring for people within organisations. Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact Alexandra: https://www.crisisally.com/ https://www.linkedin.com/in/ahoffmann/ https://www.instagram.com/crisis_ally/ Clemark Studios - https://www.clemarkgroup.com/studio/

Welcome to Talk'n TRM: The Traveller Files, the podcast where we unravel tales of business and leisure travel gone awry. Join your host, Bex Deadman, as she delves into the heart-pounding world of travel risk management, dissecting the stories that leave us on the edge of our seats. In this episode, we journey to South Africa with a traveller named James, whose business trip unfolds in unexpected ways. Little did he know that the mine he was visiting would double as a safari park, adding a wild twist to his corporate expedition. Bex Deadman, our seasoned host and travel risk management expert, guides us through the challenges James faced—from airport and hotel location issues to unforeseen encounters in a unique dual-purpose destination. Through the lens of risk assessment, Bex sheds light on the crucial role these evaluations play in safeguarding both the traveler and the business. As the story unfolds, Bex navigates James's experiences, unraveling the emotions and uncertainties he encountered during this unconventional trip. Tune in as Bex Deadman provides insightful reflections and expert commentary, offering a unique perspective on how travel risk management is not just a formality, but a critical tool in ensuring the safety and success of business travellers. Join us for another episode of Talk'n TRM: The Traveller Files, where each tale is a lesson, and every journey is a risk worth exploring. If you wish to share your own travel story anonymously, please contact Bex at bex@8phaseconsulting.com. 8Phase Consulting - https://8phaseconsulting.com/ Bex Deadman Linkedin - https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ Clemark Studios - https://www.clemarkgroup.com/studio/ Assent Risk Management - www.assentriskmanagement.co.uk

In this week's episode of Talk'n TRM, host Bex Deadman is joined by Stacey Porter, a distinguished security professional with over two decades of experience in the Department of Homeland Security. Stacey's illustrious career spans managing security personnel in the aviation and security industry. With a Top-Secret security clearance for over 20 years, his expertise encompasses working at local, state, national, and international levels, focusing on vulnerability assessment, security planning, threat and risk assessment, and investigative management operations. In this episode, Bex and Stacey delve into the disruptive impact of social media and activists on security at transportation hubs such as airports, train stations, and bus stations. They highlight crucial aspects for pre-trip planning, emphasising the significance of thorough preparation. Moreover, the conversation underscores the pivotal role of insurance and understanding coverage details. Don't miss this compelling conversation on Talk'n TRM, offering invaluable insights from Stacey Porter's extensive experience in security. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Stacey: https://porterglobalsecurity.net/ stacey@porterglobalsecurity.net https://www.linkedin.com/in/staceyporter1/

Join host Bex Deadman in the latest episode of Talk'n TRM, featuring Damian Taylor, a former British Army Infantry officer with over 35 years of extensive security and risk management expertise across 50+ countries. Damian's insightful narrative navigates through the diverse landscape of travel risk management. From remote expeditions in Indonesia to his tenure in corporate travel risk management, he shares profound experiences and lessons learned. Join us as Damian delves into the repercussions of the Arab Spring in 2011, shedding light on its impact on organisations and travel risk management strategies, drawing from his firsthand experiences with clients. Throughout the episode, Damian emphasises the paramount importance of preparation and robust procedures in mitigating travel risks. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Damian: TEN Risk Management Ltd - https://www.tenriskmanagement.com/ damian.taylor@tenriskmanagement.com https://www.linkedin.com/in/damiantaylor30/

Join host Bex Deadman in a poignant episode of Talk'n TRM, alongside Andrew Neilson, a seasoned procurement and supply chain executive with over 25 years of experience and the owner of Twisted Orange. Andrew's extensive expertise includes delivering transformative change programs for global organisations. At Twisted Orange, his focus spans New Product Development, innovative farming methodologies, circular economy strategies, and optimising nutritional benefits in the food chain. Additionally, he provides end-to-end procurement and supply chain consultancy and training services to businesses of all sizes. In this episode, Andrew candidly shares his experience in corporate travel, shedding light on the mental strain it caused. Join us for a compelling conversation as Bex and Andrew discuss the critical intersection of corporate travel and mental well-being. Don't miss this insightful dialogue on Talk'n TRM, exploring the personal impacts of corporate travel. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Andrew: andy@twisted-orange.co.uk +44 7875166492 https://www.linkedin.com/in/andrewneilson1/ https://www.twisted-orange.co.uk/ Watch Andrew's Corporate Travel Video: https://fb.watch/oKI-H3Lj2k/

Join host Bex Deadman in this thought-provoking episode of Talk'n TRM, alongside Matt Griffin, the Chief Product Officer and Chief Information Officer at Traxo. A Dallas, TX native, Matt's interest in travel started early. At the age of 10, his mom, inspired by the film "Out of Africa," packed up her three sons and headed to Botswana and Kenya. This first trip abroad led to many more summer adventures. Matt has more than 20 years of experience in application development, business development, and product management in travel. As Chief Product and Information Officer, Matt guides the evolution of Traxo's products based on the company's mission to enable travel teams to achieve full program visibility for a safer, more cost effective travel program. In this episode, Bex and Matt delve into redefining the pre-travel phase by prioritising risk management over sales. They explore the blind spots caused by using multiple booking platforms and emphasise the shift from cost control to prioritising the traveller's perspective. Don't miss this insightful conversation about reshaping the pre-travel landscape and prioritising traveller well-being. Tune in now to the latest episode of Talk'n TRM and gain valuable insights from Matt Griffin. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Matt: Learn more about Matt at https://www.linkedin.com/in/mattgriffin/ cCntact Traxo at https://www.traxo.com/.

Join host Bex Deadman in this insightful episode of Talk'n TRM, where she's joined by the distinguished Frank Harrison, the Regional Security Director Americas with World Travel Protection, Global Security Solutions. With a robust background encompassing over 20 years of global experience in travel risk management, public security, and emergency operations, Frank brings a wealth of knowledge to the table. His extensive career includes pivotal roles with the Canadian Armed Forces, United Nations, and the US Government, handling security operations for the US Embassy in Iraq and consulting in the extractive resource sector. In this episode, Bex and Frank delve into the aftermath of the pandemic on business travel. They discuss the crucial aspect of prioritising the well-being of an organisation's people in travel, emphasising the need for meticulous pre-travel plans. Don't miss this enriching conversation that explores the impact of the pandemic on business travel and the paramount importance of prioritising traveller safety. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Frank: f.harrison@wtp.ca worldtravelprotection.com https://www.linkedin.com/in/franciswilliamharrison/

Join host Bex Deadman in this week's episode of Talk'n TRM, as she's joined by the distinguished Jamie Williamson, Executive Director of the International Code of Conduct Association (ICoCA). With a remarkable background in international, legal, and security matters, Jamie brings a wealth of experience to the discussion. He has held significant roles, including heading the Relations with Arms Carriers Unit at the International Committee of the Red Cross (ICRC), where he advised and trained State and non-State weapons bearers, including multinational forces and private military and security contractors. In this episode, Bex and Jamie delve into the critical topic of security within Travel Risk Management (TRM). With Jamie's extensive expertise in humanitarian law and justice, they explore the essential role of security in safeguarding travellers and how it integrates into the broader TRM framework. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Jamie: https://icoca.ch/contact-us/ https://www.linkedin.com/in/jamiewilliamson1/

Join host Bex Deadman in this thought-provoking episode of Talk'n TRM, as she engages in a compelling conversation with the experienced data protection officer and information governance manager, Allan Simpson. Allan, a fellow of the International Association of Privacy Professionals (IAPP) and a member of the Institute of Data & Marketing (IDM), brings his extensive expertise to the forefront. Through his business, "Responsible Data Use," he offers data protection and privacy management services, emphasising the value of people and their data to build trust in sharing information. Specialising in the UK hotel industry and direct marketing, Allan's mission is all about respecting privacy and encouraging everyone to become a Responsible Data User. In this episode, Bex and Allan dive deep into the use of personal data when travelling, shedding light on how to minimise the associated risks. With data privacy becoming increasingly vital, their insights provide invaluable guidance for travellers and organisations alike. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Allan: https://www.responsibledatause.uk https://www.linkedin.com/in/allansimpson https://www.linkedin.com/company/responsibledatause/

Welcome to another episode of Talk'n TRM, this week host Bex is joined by Heather Haggis, Head of Financial Services and Insurance Broking at The Advantage Travel Partnership. In this enlightening conversation, Heather takes a deep dive into Travel Risk Management from an insurance perspective. With her wealth of experience in the financial services and insurance industry, Heather provides valuable insights into how insurance plays a crucial role in mitigating travel risks. Discover Heather's top tips for travellers and travel insurance, as she shares practical advice on ensuring a safe and secure journey. Whether you're a seasoned traveler or planning your next adventure, her expertise is invaluable in navigating the complexities of travel insurance. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Heather: https://www.linkedin.com/in/heatherhaggis/ https://www.advantagemembers.com/contact-us.html

Join host Bex Deadman in this captivating episode of Talk'n TRM, where she's joined by the dedicated security professional, Jake Newton. With a remarkable 14-year career, Jake has been deeply committed to instilling a sense of ownership in individuals and organisations when it comes to safety and security. His expertise spans training and curriculum development, high-risk emergency planning, consultative business development, and crisis preparedness. Jake's journey into security began during his distinguished service in the U.S. Air Force as a Survival, Evasion, Resistance, and Escape (SERE) Specialist. During this time, he played a pivotal role in preparing thousands of U.S. Government personnel for potential crises in challenging environments worldwide. In this episode, Bex and Jake delve into his transition from the military industry to the corporate/private sector. Jake shares his profound passion for helping people, particularly during those critical moments when they need it the most. You'll also gain insights into how Jake supports companies in enhancing their safety and security measures. Contact Bex: bex.deadman@assent1.co.ukhttps://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/www.assent1.com Contact Jake: jake.newton@cpps.com https://www.linkedin.com/in/jakenewton1101/

Welcome to another episode of Talk'n TRM, the podcast dedicated to Travel Risk Management. In this episode, your host Bex Deadman is joined by the esteemed Bruce McIndoe, founder of iJet, WorldAware and Mcindoe Risk Advisory. With over 30 years in the risk management industry, Bruce is a true expert in travel risk and people risk management. In this episode, Bruce shares his insights into the world of risk management and how he ventured into this industry. With his vast experience and valuable expertise, Bruce gives us his top tips for effective travel risk management. Don't miss this engaging and informative episode of Talk'n TRM, Bruce McIndoe the 'people risk management' expert. Contact Bex: bex.deadman@assent1.co.uk https://www.linkedin.com/in/bex-deadman-aka-travel-risk-bex-70b92419/ www.assent1.com Contact Bruce: https://McindoeRiskAdvisory.com https://www.linkedin.com/in/mcindoe/