Solutions March 2010

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A D V E N T I S T R I S K M A N A G E M E N T , I N C .

SOLUTIONS

www.adventistrisk.org

When was the last time you boardeda commercial airplane andthought o the expression, getting

there is hal the un? Oh or the good old

days when you could breeze into the airporta hal hour beore fight time, and whiskthrough the check-in procedures, and beserved a meal by attentive fight attendants.e complaints in those days would havebeen about the quality o airline ood, now adistant memory or those o us herded intothe lines, being subjected to questioning andeven pat downs in the name o security.

While certainly a conerence call willsuce in place o some meetings, it doesntalways work or a worldwide church with an

emphasis on mission. Some activities such asvolunteers building churchesand schools, studentmissionaries travelingto distant assignments,

or administratorsattending to theneeds o the church,

cannot alwaysbe done throughthe convenience o

technology.

e termriendly skiestakes on adierent meaningthan it did aew years ago.

Today the riendly skies would be denedas an atmosphere in which we have somecondence that we will arrive at ourdestination without a security event.

While the mode o transportationhas changed dramatically rom the daysthat Jesus walked the roads o Galilee, H

was aware o the travails o travel. In oneo His well-known stories, He specicallytalks about the rigors o travel. e storyis remembered not so much or the actuatravel event as the response o other traveA man was going down rom Jerusalemto Jericho, when he ell into the hands orobbers. ey stripped him o his clothesbeat him and went away, leaving him hal

dead. Luke 10:30, NIV. e parable othe Good Samaritan starts with the veryconcerns that some o our church leadersand members ace even todaya hostileclimate or travel in ullling the needs oour churchs business.

is issue oSolutionsis ocused ontravel in todays new realities. While we mbe mindul o the Great Commission thaGod has given us to go therefore and madisciples of all the nations, we must be keaware that as good stewards o our churc

resources, the greatest resources are theindividuals who travel in service every da

Bob Kyte, president of Adventist Risk Management, Inc

prepared this article.

Inspiration

"But pray ye that yourfight be not in the

winter, neither on the

Sabbath day."Matthew 24:20

Motivation

"No one realizes how

beautiul it is to traveluntil he comes homeand rests his head onhis old, amiliar pillow."

Lin Yutang

Page 2

Destination:

ATLANTA

Page 4

Travel

Safety

Page 6

Special Feature:

Focus on Haiti

Page 10

Moderation,

Moderation

Page 11

Make you

Year's Res

Stick

Providing Solutions to Minimize RisksMARCH 2010 VOLUME 14 ISSUE 3

in Today'sNew Realities


2/122 SOLUTION S March 2010 Adventist Risk Management, Inc.

FEATURE

The view out the jetliner window at 35,000 eet bringsto mind the classic Neil Diamond lyrics, Everywherearound the world, theyre coming to America as the

delegates or the 59th General Conerence (GC) Sessionprepare to gather in Atlanta, Georgia rom June 24 July3. What risk management lessons should delegates, amily

members and other church groups remember as they plan toattend this special convocation with the Seventh-day Adventist

worldwide amily?Travel saety doesnt happen by accident! It requires careul

planning weeks beore the trip takes place. Jesus reminded hisollowers oten to watch and be ready. You would surely not leta thie break into your home, i you knew when the thie wascoming. Luke 12:39 Contemporary English Version. is samecounsel should provide guidance as you make your travel plans.

PLAN AHEAD

One o the key planning elements is allowing plenty o timeto organize your travel arrangements. Your division or union

administrative oce may handle much o this task i you are adelegate to the GC Session. However, many church groups willalso be traveling to participate in this event and you may be re-sponsible or making travel plans. Be sure to only use reputabletravel agencies or Web sites to secure your tickets. In years pastchurch sponsored groups have lost thousands o dollars in traveltickets at the hands o scam artists who promised special grouprates but never delivered the tickets ater payment was made.

As you make your travel plans and purchase airline be deliberate in limiting the number o church leaders rthe same organization traveling on the same fight. Duripast GC Sessions we have seen entire delegations rom athe world eld traveling together all on the same fights. i there was a tragic airliner crash involving that fight? H

would the mission o the church be impacted due to thelie to dedicated church leaders in one single accident?

We typically do not like to think about these kinds oscenarios but we must plan ahead or the unexpected. A

risk management principle or all organizations to ollowmore than two elected denominational executive ocersthe same organization should travel on the same fights.

would encourage all denominational organizations to adthis practice, not just or travel to the GC Session, but obusiness related travel throughout the year.

I you are traveling rom outside the country o youdestination be sure everyone has the appropriate traveldocuments (passport, visa, medical identication card, taccident insurance etc.) It can take signicant time to acthese documents rom governmental agencies. Be sure evis current on all required vaccinations and do not orget

bring an adequate supply o all prescription medicationsMake sure travel accident insurance has been purchased visiting the ARM Travel Hub atwww.adventistrisk.org aprint copies o the insurance identication cards. Lettingactions wait until the last minute can cause your trip to delayed or even be cancelled.

Be sure to make at least two copies o all documentskeep a copy on le back home. Carry a second copy withyou in a separate place in case your original travel documbecome lost or stolen during your trip. I traveling in a gthe group leader should keep a copy o all travel documeincluding permission slips and medical authorization or

or any unaccompanied minor aged children. ese simpsteps can save you days o potential delay or critical timeevent an accident occurs during your trip.

AT THE AIRPORT

Be sure to allow plenty o time to complete all checkand security procedures at the airport. Arrive a minimumto 3 hours beore departure when traveling to an internadestination. I you are traveling with a group, additional

Destination: ATLANTA

Make It There With Safety


3/12

DowntownAtlAn

SOLUTION S March 2010 Adventist Risk Management, Inc.

may be required and you should check with the airlines andplan accordingly. It is important to keep your group togetherat all times. Use a buddy system so a head count can easily betaken beore your group transitions rom check-in, throughsecurity to the boarding gate. I someone is unaccountedor, the group leader should be sure the missing person isidentied and not let behind. I you are traveling with a groupo children, it is good practice or an adult to hold on to allpassports and boarding passes until everyone has saely boardedthe aircrat and ater everyone has cleared immigration andcustoms procedures at your destination.

Remember it is your responsibility to maintain the securityo your luggage at all times. It is recommended that as you planor your trip to consider minimizing the valuables that you

will take along. at special watch your spouse gave you or ananniversary present may best be let saely at home. Electronicequipment is o special interest to thieves and should be saelyguarded and never let unattended. When going through theairport security checkpoints make a train o your carry-onluggage and place your laptop computer or camera gear inthe middle. is will help to protect your belongings as theygo through the screening process and will help you not leavevaluables behind by accident.

When you reach your destination be careul in the baggageclaim area to be sure you have your own luggage. Many suitcaseslook alike so marking your luggage with colorul luggage tags orribbon can help make identication easier.

Extra care should be taken in selecting a reputabletransportation service rom the airport to your hotel. Bewareo non-authorized vendors. I in doubt it is always a goodpractice to ask at an airport inormation desk to receiverecommendations.

I you are renting a car be sure you have a map o the localarea or use a GPS to help you reach your hotel or destination

saely. Printing out turn-by-turn directions on Web sites likMapquest or Google Maps can be very helpul in navigatinthrough major cities like Atlanta.

CONVENTION CENTER/HOTEL SAFETY

Delegates attending the GC Session or other similarconventions are easy targets because they oten advertise theare out-o-towners. When you are walking through largecities like Atlanta, it is best to remove your delegate badgeand lanyards as you walk to and rom the convention centeBe alert to your surroundings and it is always best to walkwith a buddy especially during nighttime hours. I you see suspicious person watching the crowd or ollowing you, repthem to security personnel.

When you arrive at your hotel take a ew minutes andacquaint yoursel with two exits rom your room. Remembethe event o a re emergency DO NOT use the elevators. Italways good practice to secure any valuables kept in your ro

when you are out. While you are in the room, secure your dwith the deadbolt lock and never tell your room number tostrangers. I you discover something is missing or i there isevidence o a break-in notiy hotel security immediately so loss report can be done promptly ater discovery.

WELCOME TO ATLANTA

ARM is here to help provide helpul risk managementips on how you can make sae travel plans. We hope you

have a sae journey rom your home to Atlanta as theAdventist amily gathers to worship, conduct business andellowship with one another.

I you suer an accident or loss while in route, ARM whave a claim oce on site during the GC Session to responyour needs.

Arthur F. Blinci, ARM eMBA, a vice president at Adventist Risk Management, Inc.

prepared this article.



FOR E SI G HT

We are part o a mobile society. Whatever our reasonor travel, there are numerous ways we can helpensure adequate preparation. Good preparation

aords a degree o peace o mind and can make the dierencebetween pleasant memories or some really bad ones i things gohorribly wrong.

Plan Ahead

Planning may be as simple as checking weather conditionsto know what clothes to pack to more extensiveelements, like what medications and vaccinationsmay be required or your destination. Do youhave all o the proper documentation?

Visas take time, and while they cansometimes be expedited it costsmore or rush jobs

Some planning elementsinclude the ollowing:

y Visit the Centers or DiseaseControl and Prevention(CDC) and World HealthOrganization (WHO) Web sites,the State Department or othergovernment agencies or updateson local conditions and health

alerts and required vaccinationsand travel documents(passports, visas, etc.).

y Research sae modes o travel andleave time to check out pricing andto nd reputable travel agencies to obtain tickets, hotels andother travel needs, such as local transportation (rental car,bus or train tickets, etc.).

y Obtain travel insurance to cover the gaps in potentialmedical needs, property protection, or repatriation.

y Plan to take clothing that helps you blend in with thelocals and not stand out in the crowd in clothes that scream

tourist. ieves and other criminals target tourists.y Make photocopies o your personal papers, passport and

visa inormation, as well as your drivers license or otheridentication, emergency contact inormation, credit cards,vaccinations, tickets and itinerary. Keep them in a sae place.

y Consider using a money belt to carry extra money, creditcards, and duplicate identication.

y Ensure you have enough prescription medications (in

original prescription bottles) or the whole trip. I youglasses or contacts, take spares.

y Research airline and transportation security rules.Luggage restrictions vary and can cause all kinds oheadaches i you nd you have packed too much otoo many carry-on bags.

y Plan to pack as light as possible. e more bags a travhas the harder it is to keep track o them.

y Learn a little about the country you are traveling to,its people, and any political or religious issues

Knowledge o some o the basics can helpcausing oense to someone, or even brea

local law.y I traveling to a oreign count

notiy credit card companies to let thknow your travel dates and destinatiCards are monitored and i the activon one looks suspicious, a hold mayput on your card right in the middletrip. Give them a cell phone numbethey know where to reach you. Nothaccomplished when a card company to reach the card owner in his or her country and that individual is thousa

miles away. Some sources also recommcovering the pin number on the back

small sticker so it is not easily read by anwhen the card is used.

y Carry your hotel address and contact inormatwith you at all times. Ater reaching your destinatithere may be more than one hotel o the same bran

will also be easier to get back to when you are travthroughout a city.

A sae, memorable trip begins in the planning stages.Centers or Disease Control and Prevention (CDC), the WHealth Organization (WHO), and other agencies also hav

tional inormation on how to stay sae once you are there.you travel, visit their sites or inormation on sae ood anand other resources. Plan to do that beore you leave.

John J. Dougan, ARM, ALCM, associate director for Risk Control for Adventis

Management prepared this article.

Additional Resources:

Centers or Disease Control and Prevention: http://wwwnc.cdc.gov/tr

World health Organization: http://www.who.int/en/

TRAVEL SAFETYGood Planning Makes Good Sense


5/12

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SOLUTION S March 2010 Adventist Risk Management, Inc.

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2010 Adventist Risk

Management, Inc.

Apparently you

missed the part

where I said we need

to blend in when we

go to dinner in this

neighborhood.



FEATURE

Until recently, Haiti was a country that I had heardo rom time to time over the past ew years, and itusually wasnt good news. Abrupt changes in leadership

and a history o extreme poverty, are just some o the headlinesthat appeared about this neighbor to the south o the UnitedStates. I had never been to Haiti and never really considered

it. But suddenly on January 12, 2010 at 4:53p.m., 35 terribleseconds changed Haiti in an incomprehensible way. Since thatmain quake, dozens o atershocks have sent Haitians intosurvival mode.

As president o Adventist Risk Management, Inc., (ARM),and its aliated insurance companies, I was suddenly awareo Haitis plight. We began to receive reports o the extent odeath, injuries, and destruction. Devastation was the commonterm used to describe the situation. Suddenly around the

world, Haiti became the center o an enormous humanitarianaid eort.

At ARM, our rst priority is the care o the people

involved. As the days went by and concerns mountedamong our employees, we decided as a company to make acontribution to Adventist Development and Relie Agency.e agency was already on the ground in Haiti responding tothe human needs.

ARMs ocus now turns to the property destruction thattook place. We started to assess the level o support we wouldgive through insurance. In many parts o the world earthquakecoverage is nearly impossible to obtain. While insurance will

assist in startingthe rebuildingprocess, the limitso coverage will notextend to cover thesignicant property

losses suered bythe church in Haiti.

We beganto dialogue withchurch leaders inHaiti and the Inter-

American Division. We determined it was time or ARMhave a physical presence on the ground to assess the extethe devastation and to determine how we could be o assand be a resource in the challenges that were ahead or cleadership and church members in Haiti.

Csar Medina, Risk Management Specialist or the

territory that includes Haiti, and mysel, made quick platravel to Haiti, on Tuesday, February 2. Flights were arraand we few into neighboring Dominican Republic. e

we met Gabriel Acevedo, a proessional architect and anexperienced adjustor. Gabriel has handled many large claor ARM including natural disasters. So, three o us, alon

with one o Gabriels associates, drove eight hours to PorPrince to visit church leaders o the Haiti Union Missionto see various church properties.

SPECIAL FEATURE: DATELINE FEBRUARY 3, 2010

FOCUS on:HAITIA Field Report byBob Kyte


7/12SOLUTION S March 2010 Adventist Risk Management, Inc.

Ater a very early start to the day, we made our way intoHaiti and Port-au-Prince. I am told that driving in Port-au-Prince at the best o times is a challenging experience. We werethere in less than the best o times. Road closures, honking

horns, vehicles swerving to miss quake debrisit was anexercise in survival driving. Gabriel had already visited Port-au-Prince twice since the quake and was able to maneuver his waythrough the maze to various points in the city. Traveling withus rom Santo Domingo was a truck loaded with ood andother essential supplies that was purchased as a git rom ARMor the church to distribute. While obtaining ood in Port-au-Prince is somewhat improving due to the massive humanitarianeorts, the inrastructure or delivery o basic services is stillalmost non-existent.

At the UnionMission oce we ound

the leadership andsta working on theircomputers under the treesto shade them rom thebright sun. e building,

while still standing, hasvisible damage thatneeds careul review byproessionals to determinethe structural viability beore being used again.

e ocers are ocused on what needs to be done to keepthe church unctioning and to assist the local members and

congregations in any way they can. But, it is to understate, atask o enormity that isnt even known as yet. ere is so muchto do and so ew resources to do it. As we drove around thecity, I asked the question: Where does one begin here? ereare so many miles o debris and huge amounts o concrete thatneed to be removed, not to mention nding a place to put it,that one wonders, how it will happen?

Our visit to three churches revealed the signicance othe loss to the congregations. One very large church, the

EvangelisticAuditorium is,in no doubt,beyond repair.

e churchpastor andmany o themembers

were sittingoutside thechurchbecause theyhave no otherplace to go. At rst glance, the primaryschool behind the church, a three story structure built justa year ago, looks like it was in pretty good shape. But upon

closer inspection, you notice it is no longer on its oundatioand the top is tilted several eet orward rom the base. eassociate treasurer or the Union Mission, Jean Sylnice, who

will coordinate the overall earthquake recovery program orproperty in Haiti, traveled with us around the city to proviinormation and locate the various sites. I he had not poinout that one pile o cement rubble was a ormer church, I

would have never known. ere was no evidence o a previostructure in any orm.

As we arrived on the Adventist University campus, wewere amazed at the sight o thousands o people (estimated between 15,000 and 25,000) living under tarps and anythin

else they could nd to protect themselves rom the sun andrain. e campus is not equipped with sanitary services orother basic necessities to handle the immense crowds o peo

who have set-up temporary living arrangements. However, noted the optimistic spirit o the people as they smiled andgreeted us. In spite o the terrible circumstances they oundthemselves in, they tried to make lie as normal as they couI saw people washing clothes by hand, meals being preparedover open res, even a solar panel at an outdoor home, whe



FEATURE

a couple was making their dinner on an open re in ront o their tarp shelter. It was a mix o modern and archaic joinedtogether. In some locations I noted a hodgepodge o electric wires jerry-rigged to allow or charging o cell phones andother portable devices. e university buildings have suered varying amounts o damage and will take a great deal o

eort and money to bring them back to useable condition. is will require the crowd o people living on the campus tomove elsewhere so that construction workers can have sae access to the buildings.A similar scene was ound at the Adventist Hospital where many people are encamped on the grounds. While the

structure o the hospital has been deemed sound, there are too many patients to treat and thereore treatment wards weremoved outside. We also saw various medical departments unctioning under the trees. e post operative care is one o thrst areas you see with the sick and injured being cared or in this makeshit hospital environment.

While I was there to look at the extent o building damage, property really becomes secondary to the plight o thepeople. So many Haitians are now homeless. Many are injured, suering loss o loved ones, and missing amily memberse buildings can be repaired, rebuilt and the debris removed. e loss in terms o lie, or the ability to unction ullybecause o a debilitating injury, or the overwhelming sadness when one has lost a amily member or riend will never ullygo away. Adventist Risk Managements mission is to provide solutions or the church to minimize risk. is is really abouprotecting the churchs resources. e most important resource the church has

is the people. As we move orward rom the earthquake o Haiti, we need to askourselves an important question: What can we do dierently or better to make ourchurch saer in the disasters that may come in the uture?

I let Haiti with a deep sense o appreciation or the people there. Certainlythe past ew weeks have brought devastating times or these olks. But the peopleI had the pleasure to meet and work with are still people o hope. ey refect careand concern or those around them who are suering. ey look orward to gettingback to their mission and ministry beyond the current crisis. We need to help themreach this objective with our support and prayers.

As I refect on the extent o deprivation that our ellow members in Haiti andwhat their ellow men, women and children are living with each day, I also see howwe have been blessed in other parts o the world. We need to remember that with

the blessings we receive comes the obligation to help others. I tell you the truth,whatever you did or one o the least o these brothers o mine, you did or me.Matthew 25:40

Photos taken by Csar Medina, Risk Management Specialist for Adventist Risk Management, Inc. and Bob Kyte,

president of Adventist Risk Management, Inc.

SPECIAL FEATURE, cont'd.



The U.S. State Department and the Centers or DiseaseControl and Prevention, reports that conditionsin the country o Haiti remain hazardous and all

individuals traveling to the aected area should take properprecautions. Adventist Risk Management, Inc., (ARM),is monitoring the situation and is encouraging volunteergroups considering trips to Haiti to coordinate their plansrst with either Adventist Development and Relie Agency(ADRA), Adventist Health International (AHI) at LomaLinda University Global Health Institute in Caliornia, orthe Inter-American Division o Seventh-day Adventists(IAD) in Miami, Florida.

ADRA and AHI have issued statements askingvolunteer groups to coordinate with organizations alreadyon the ground in Haiti beore making travel plans. eyalso encourage all interested individuals to help byproviding nancial assistance to the Haiti relie eorts.Ken Flemmer, ADRAs director o Agency Saety andSecurity says, Church leaders must be keenly aware o therisks associated with taking groups into Haiti. Planninginormation or church groups is available rom CrisisConsulting Internationals Web site: http://www.cricon.org/tech_bulletin.htm, says Flemmer.

ARM advises volunteer groups that are interested ingoing to Haiti at this time to plan careully and considerpotential exposures the group may encounter. We need toremind everyone that the need or volunteers to help withrelie and the rebuilding eorts or Haiti will be going onor a very long time, says Arthur Blinci vice president or

ARM. It is important to remember that the saety o yourvolunteers is critical to the success o all mission endeavors.

ARM encourages groups to monitor travel warningsposted by the U.S. State Department, and the Centersor Disease Control and Prevention. Groups should alsopurchase Short-Term Travel Accident Insurance to cover al

volunteers. is coverage is available through ARMs TraveHub at www.adventistrisk.org.

For more inormation on travel alerts or Haiti, please visit the ollowing

Web sites:

http://travel.state.gov/travel/cis_pa_tw/tw/tw_1764.html

http://wwwnc.cdc.gov/travel/content/news-announcements/reli

workers-haiti.aspx

HAITI TRAVEL ALERT

For more information on ADRA's humanitarian eort

in Haiti, visit their Web site: www.adra.org/Haiti.

ADRA International Headquarters

12501 Old Columbia Pike

Silver Spring, MD 20904

Call Toll-Free 1-800-424-2372



HEALTH ALERT!

Moderation,Moderation

What does the word moderationmean or our lives?Moderation in our home lie?

Moderation in our worklie? Moderation in oureating styles? Moderation

in our shoppingexpeditions? Moderationin our activities?Moderation during a busyholiday season? inkabout the benets i wepracticed a little bit omoderation in each othese categories.

I recently oundmysel thumbing through(as opposed to clicking

on) Mr. Websters booko words and denitionsin search o the meaningo moderation.

My tendency is toread through the list odenitions and then pickout the one I like best.is is the same approachI take when going through the ortunecookies on the table ater a nice Chinesedinner.

In this case, I read: Moderation n. 1.A moderating, or bringing within bounds;2. avoidance o extremes; 3. absence oviolence; calmness.

My eyes immediately locked ontothat last word. Calmness. Now thatssomething I need to incorporate intomy lie.

Take a moment to refect on yourlie. Do we even know what calmness is?

e denition that caught my ancy whenmy nger nally rested on the word was:Calm n. tranquility, serenity. How nicethat sounds!

It has taken many years or meto realize there is a dierence betweentranquility and boredom. And duringthose same years a habit I have developedis to always ll in a blank space on a

calendar with another project. In act,this habit is what made me realize that iI want moderation in my lie, I have to

work toward making it a habit.Some o us approach lie in the

same way we approach an all-you-can-eatbuet, piling as much as we can ontoour plates. Sometimes we can managethe load; sometimes we make a mess oit, spilling things or making ourselvessick. Weve learned that its healthier toeat more veggies and less carbs, ats, andproteins, and yet when we get into some

situations, we push that knowledgethe background. I can handle it! tell ourselves. Four hours later, we popping the antacids.

Oten a person with that samepersonality attends a meeting at wo

with an already ull plate o projectthe time the meeting is over, he leavtrying to balance an overfowing piprojects saying, I can handle it!

Now I am not suggesting thateveryone stop pitching in where he

needed. My recommendation is moalong the lines o agreeing to work project, but asking or either the heothers or more reasonable deadline

Moderation. It sounds like a wmy mother would have used, and othat would have put a rown on myadolescent ace. Today, just the thoo the word makes me yearn or asmidgen o it. I always suspected Mknew best!

Moderation equals calmness.

are the days I would pay money oran hour o just that. Calmness equtranquility. Be still, my heart!

We oten hear, Be careul whayou wish or. Even I am smart enoto know that too much calmness otranquility in my lie could turn minto one very bored human being. is why the church sign now makes much sense. Everything in moderatincluding moderation.

is week lets strive or a little

moderation in our home lie, in oulie, in our eating styles, in our shopexpeditions, in our activities.

ink about the benets. isbe better than a Calgon bath. Its wshot.

Jina Kim, MPH, Wellness coodinator for Adven

Management, Inc. prepared this article.

Health Tip of the Month



Brought to you by:

www.advent ist r i sk .org/Wel lness

Make Your New Years Resolutions Stick

For many o us, the New Year brings thoughts oresolutions.Make it stick!Concentrate on getting started.Dont worry about every detail o a weight-loss plan. Dont

be overwhelmed by the weight you eel you must ultimately lose.Just remain ocused on the steps you need to take to get started.

Be realistic.

e surest wayto all short o yourgoal is to make yourgoal unattainable. Forinstance, resolving to

never eat your avoritedessert again could be abad choice. Strive or agoal that is attainable.

Write your goals

down and outline

your plan.

I you want to trulydo something, writeit down. Decide howyou will deal with thetemptation to skip an

exercise class or eat apiece o cake.

Create a support system.

Dont keep your weight-loss resolution a secret. Tell rieand amily members who will be there to support your resochange yoursel or the better.

Remove temptations, but dont go to extremes.

Go into your kitchen and remove all tempting oods ryour rerigerator and pantry. en ll your kitchen with heanutrient-dense oods. But dont go to extremes. Cutting outgroups and crash dieting may inevitably lead to eeling depre key to long-term weight control is to learn how to eat imoderation.

Dont beat yourself up.Obsessing over the occasional slip wont help you ach

your goal. Do the best you can each day thats the most can do!

Stick to it.

Experts say it takes some time or a new activity to beca way o lie. So stick with itit will happen.

Celebrate every pound you lose.

Keeping a positive, balanced perspective is key.

Source: Weight Watchers International

TRY THISRECIPE OUT!

Citrus Collards with Raisinsfrom Vegetarian TimesNov. 1, 2009, page 60Ingredients

1 1/2 pounds collards, tough stems trimmed1 tablespoon olive oil2 cloves garlic, minced (2 teaspoons)2/3 cup raisins1/2 teaspoon salt1/3 cup freshly squeezed orange juice

Directions

Stack several collard leaves atop one another,and roll into tight cylinder. Slice crosswiseinto strips.

Cook greens in large pot of boiling, saltedwater 8 to 10 minutes, or until softened. Drain,and plunge into large bowl of cold water tostop cooking.

Heat oil in large skillet over medium heat.Add garlic, and saut 1 minute. Add drainedcollards, raisins, and salt, and saut 3 minutes.Stir in orange juice, and cook 15 secondsmore. Season with salt and pepper, if desired.


12/12

DETROIT, MICHIGA

THE RITZ-CARLTONDEARBORN

SEPTEMBER 12 - 15, 2010

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visit us today atwww.adventistrisk.org

Early-Bird Registration for the 2010

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now available! Early-Bird prices are

available untilJune 4, 2010.

Solutions March 2010

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Transcript of Solutions March 2010