(Transcripts) Cindy Speaker:  Good afternoon, and welcome to our broadcast today. My name is Cindy Speaker. I have with me today, Valeen Hykes. Valeen is an attorney with Michael J. O’Connor & Associates. Valeen, thanks for being with us again. Valeen Hykes:  Oh, thank you for having me. Cindy Speaker:  Always enjoy having you. Well, […]

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