THE
MAGICAL AND MYSTICAL POWERS OF MIKE MCCARRON.
TODAY THE HACK FIRM OF DECARLO, SMECKLE AND PECKERHEAD TOLD THE COURT THAT ED RIPLEY IS UNDER THE MAGIC SPELL OF THE GREAT WIZARD MIKE MCCARRON. aka. MAGIC MIKE.. aka MIKE THE GREAT WIZARD. aka MIKE OF THE TWO TOWERS
IT APPEARS LIKE SIR DOUG THE KING OF UNION LAND AND UBC WIZARD EXTRAORDINAIRE MAGIC MIKE ALSO HAS SIR DOUGS POWER TO PUT A WURT ON HIS VICTIMS AND CONTROL THEIR MINDS. SUCH HAS BECOME POOR ED RIPLEYS FATE. SO SAYETH "DANNY BOY" SHANLEY.aka. "CROOKED TEETH".aka. "MONKEY SPANKER" aka MAN YOUR REALLY SHORT.aka SECOND LITTLEST SPICE GIRL aka...EVEN WITH THE HELP OF DOUGS FAITHFUL WITCH AND SIDEKICK "THE BALONEY PONY" MIKE MCCARRON HAS TOPPED SIR DOUGYS MAGIC POWERS.
POOR
INNOCENT ED RIPLEY A MIDDLECLASS PEASANT FROM LOSTANAL CALIFORNIA AND FRONT MAN
FOR THE SW TRAINING FUND SCAM TOLD JUDGE SELNA
"I
understand that Mike McCarron and his attorneys have claimed that the
Training Fund, through its attorneys, D&S, have somehow thrown me under the bus in the lawsuit by disclosing the "improper payments" Mike McCarron made to me. This is not true."
Training Fund, through its attorneys, D&S, have somehow thrown me under the bus in the lawsuit by disclosing the "improper payments" Mike McCarron made to me. This is not true."
YES
I TOOK THE MONEY EVERY DECEMBER FOR MANY YEARS AND YES I AM NOW SAYING I ACCEPTED BRIBES AND GRAFT. YES I AM
GUILTY UNDER ERISA AND POSSIBLY GUILTY OF CRIMINAL OFFENSES BUT "UNDER THE
BUS".NO WAY!!! DECARLO AND PECKERHEAD ARE MY BUDDIES AND MY PALS. THEY DID NOT THROW
ME UNDER THE BUS
EVEN THOUGH I CONSPIRED WITH DECARLO AND SHANLEY TO, AS JUDGE SELNA PUT IT," TAKE MONEY FROM THE SWRCC THAT THE TRAINING FUND DID NOT HAVE COMING" AND AS JUDGE SELNA DECLARED "I AM IN POSSESSION OF SWRCC MONEY THAT DOES NOT BELONG TO ME".MY BFFs JOHNNY DECARLO AND "CROOKED TEETH""DANNY BOY" SHANLEY DID NOT KICK ME UNDER THE BUS.JUST BECAUSE THEY TOLD THE COURT I TOOK BRIBES AND GRAFT AND CONSPIRED WITH MAGIC MIKE MCCARRON TO DEFRAUD THE SWRCC THAT IS HARDLY UNDER THE BUS..
IT
WAS ALL THE MAGICAL POWERS OF THE GREAT WIZARD MIKE. HE HAS MAGIC POWERS LIKE DOUGY MCCARRON. HE
CAST A SPELL ON ME. NO YOUR HONOR. REALLY.YOUR HONOR STOP LAUGHING ITS NOT VERY NICE! YOUR HONOR . IT'S
TRUE. NO YOUR HONOR I AM NOT ON DRUGS. NO YOUR HONOR I AM NOT A RAVING LOONY.
WELL I AM A LITTLE. BUT IT IS STILL MAGIC MIKES
MAGIC POWERS.. YES I AM SURE YOUR HONOR.WATCH HIM PULL A RABBIT OUT OF
HIS ZIPPER
YOUR
HONOR FOR THE RECORD. EACH DECEMBER FOR YEARS MIKE MCCARRON USED HIS
MAGIC POWERS AND FORCED ME TO TAKE A BONUS CHECK.EACH DECEMBER FOR YEARS MIKE
MCCARRON USED HIS MAGIC POWERS AND FORCED ME TO SIGN AND CASH THE BONUS CHECK.
EACH DECEMBER FOR YEARS MIKE MCCARRON USED
HIS MAGIC POWERS AND FORCED ME TO SPEND THE BONUS CHECK MONEY.I DONT REMEMBER WHAT I SPENT
IT ON YOUR HONOR. MAYBE BEER AND WEED. I CANT SAY FOR SURE.MAYBE HAPPY FACED CONDOMS. I AM NOT
SURE.
NO WAIT!!LET ME CHECK MY NOTES THAT DECARLO AND SHANLEY GAVE ME LIKE THEY DID JOHN DEMAIRO.SORRY I FORGOT.
YOUR HONOR I MEANT TO SAY I SPENT IT ALL ON COATS FOR HOMELESS CHILDREN. IF I DID BUY HAPPY FACED CONDOMS ITS BECAUSE MAGIC MIKE HAD MAGIC POWERS AND HE THREATENED ME. WELL NOT REALLY BUT..THE EXPERTS YOUR HONOR.THEY SAY MIKE MCCARRON IS SCARY.
NO WAIT!!LET ME CHECK MY NOTES THAT DECARLO AND SHANLEY GAVE ME LIKE THEY DID JOHN DEMAIRO.SORRY I FORGOT.
YOUR HONOR I MEANT TO SAY I SPENT IT ALL ON COATS FOR HOMELESS CHILDREN. IF I DID BUY HAPPY FACED CONDOMS ITS BECAUSE MAGIC MIKE HAD MAGIC POWERS AND HE THREATENED ME. WELL NOT REALLY BUT..THE EXPERTS YOUR HONOR.THEY SAY MIKE MCCARRON IS SCARY.
(1)MIKE "TWEEDLE DEE" DRAPER SAID MIKE
WAS SCARY.
(2)SOOK "MOONBEAM” WON SAID MIKE WAS SCARY.
(3)DR.
SCARY HACKESTEIN SAID MIKE WAS SCARY.
DID YOU KNOW YOUR HONOR THAT MIKE MCCARRON CALLED THE UBC TRIAL SYSTEM A "KANGAROO COURT".YES SIREE BOB .SEE HE IS SCARY AND CRAZY
SOOK "THE DECARLO HACK" WON AND DR "SCARY" HACKENSTEIN SAY THAT IF SOMEONE CALLS THE CORRUPT UBC 14d TRIAL SYSTEM A "KANGAROO COURT"THEN IT MEANS THEY ARE CRAZY. WHY YOUR OWN SIDEKICK MAGISTRATE JUDGE JUDY OR IS IT MAGISTRATE JUDGE JACKIE RULED IN YOUR VERY COURT THAT BECAUSE MIKE MCARRON CALLED IT A "KANGAROO COURT" HE WAS CRAZY AND SHE FORCED HIM TO GO TO AN IME EXAM. HE WENT TO LAWYER DECARLOS HAND PICKED STOOGE DR SCARY HACKENSTEIN. aka JERRY JERKENSTEIN aka ARI THE NUTSACK. PROFESSIONAL WITNESS
IT MEANS MAGIC MIKE IS CRAZY. I MEAN WHAT WAS I TO DO. I HAD TO TAKE THE CHECKS. HE WAS SCARY. I HAD TO CASH THEM AND BUY
LOOK AT THESE EXPERTS
MIKE "TWEEDLE DEE"DRAPER
SOOK "MOONBEAM"WON
SCARY "HACK AND JACK" HACKENSTEIN
HOW COULD I DISPUTE SUCH EXPERTS
YES YOUR HONOR ITS TRUE..OTHER PEOPLE TOOK BONUS CHECKS AS WELL. 15 OTHERS TO BE EXACT.NO YOUR HONOR THEY DID NOT GIVE THEIR MONEY BACK.
(1)HAROLD JENSEN, BILL LUDDY,RANDY THORNHILL AND MARC FURMAN ALL TOOK $5000 FOR 3 YEARS AND THEIRS WERE NOT AN IMPROPER PAYOFF ACCORDING TO JOHN DECARLO.
(2)RAT SELL OUT JUSTIN WEIDNER TOOK $4000 FOR 3 YEARS AND HIS WAS NOT AN IMPROPER PAYOFF ACCORDING TO JOHN DECARLO.
(3)JOE DURAN, GORDY"BEER PONG" HUBEL, DAN LANGFORD,MARTIN MCGINN, MIKE OLDS AND RUBEN ZUNIGA ALL TOOK $3000 FOR 3 YEARS WITH ME AND AND THEIRS WERE NOT AN IMPROPER PAYOFF ACCORDING TO JOHN DECARLO.
(4)LARRY O'BRIEN TOOK $1000 FOR 3 YEARS AND HIS WAS NOT AN IMPROPER PAYOFF ACCORDING TO JOHN DECARLO.
(5) YOUR HONOR HOW COME I AM THE ONLY ONE DECARLO ACCUSED OF AN IMPROPER BONUS??WHY WAS I THE ONLY ONE DECARLO AND PECKERHEAD SAID TOOK IMPROPER GRAFT.
YOUR HONOR WHY DID THEY NOT FILE A COMPLAINT WITH THE DOL AND EBSA. YOUR HONOR WHY DID THEY NOT FILE UBC INTERNAL CHARGES AGAINST ME.IF I TOLD A DOL INVESTIGATOR I ACCEPTED PAYOFFS AND GRAFT, AS DECARLO CLAIMED I DID, WHY DID THE DOL NOT CHARGE ME. YOUR HONOR IF I TOLD A DOL INVESTIGATOR, AS I HAVE TESTIFIED BEFORE THIS COURT UNDER THREAT OF PERJURY I DID, THAT AS FUND ADMINISTRATOR I TOOK PAYMENTS BRIBES AND WAS THREATENED WHY WAS THEIR NO INVESTIGATION BY THE DOL AND EBSA. YOUR HONOR DESPITE TESTIFYING UNDER THREAT OF PERJURY THERE WAS A TRAINING FUND INVESTIGATION THAT WAS A LIE YOUR HONOR. THE TRAINING FUND HAD A ROUTINE AUDIT AS WAS TESTIFIED TO BY PETER AYLWARD IN THE 14D TRIAL. THEIR WAS NO INVESTIGATION OF THE TRAINING FUND.YOUR HONOR WHY AM I STILL FUND ADMINISTRATOR?
YES YOUR HONOR I AM STILL THE TRAINING FUND DIRECTOR.YES YOUR HONOR I AM A FUND ADMINISTRATOR ON THE CSAC EMPLOYEE SAVINGS FUND.YES YOUR HONOR I AM A TRUSTEE ON OTHER FUNDS EVEN THOUGH DECARLO AND SMECKLE SAID I TOOK BRIBES AND GRAFT. EVEN THOUGH I CLAIM TO HAVE TOLD A DOL INVESTIGATOR ABOUT MY CHRISTMAS BONUS GRAFT,CORRUPTION AND BREACH OF FIDUCIARY DUTY THE DOL DID NOT CHARGE ME OR REMOVE ME…..REALLY!!!
YOUR HONOR YES I TESTIFIED UNDER THREAT OF PERJURY
"Mike McCarron improperly paid me bonuses when I was the Director of the SWTF and
not an employee of the Southwest Regional Council of Carpenters".
I FORGOT TO TELL THE COURT I ALSO HOLD POSITIONS ON
(1)THE Southwest Carpenters Training Fund Employees Savings Trust..
(2)THE SOUTHWEST
CARPENTERS PENSION TRUST…
(3)THE Southern California
Drywall/Lather
Joint Apprenticeship and Training
Committee..
(4)The Carpenters Pension Trust of Southern California
ALL WHICH I RECEIVE COMPENSATION FOR FROM THE SWRCC WHICH ALSO FUNDS THE TRAINING FUND MAKING ME AN EMPLOYEE OF THE SWRCC
ALL WHICH I RECEIVE COMPENSATION FOR FROM THE SWRCC WHICH ALSO FUNDS THE TRAINING FUND MAKING ME AN EMPLOYEE OF THE SWRCC
YES YOUR HONOR I TOLD THE COURT
“I declare under
penalty of perjury that the foregoing is true and correct”
(1) “After
McCarron was removed from the SWRCC, I immediately disclosed these payments to the
SWRCC's Supervisor, Mike Draper, and then returned the bonuses to the SWRCC”
(A)MIKE MCCARRON WAS REMOVED FROM OFFICE IN JULY OF 2013
BUT THE SWRCC LM2 SHOWS I DID NOT REIMBURSE THE SWRCC UNTIL November 27,2013 for $9000. AND IT DOES NOT SAY WHAT THIS PAYMENT WAS FOR.YES YOUR HONOR I THINK IT IS RATHER ODD THAT AT THE 14D TRIAL IN SEPTEMBER 2013 I WAS NEVER CALLED TO DEFAME MIKE MCCARRON BY MIKE DRAPER.EHRE I AM CLAIMING THAT IN JULY 2013 I TOLD THE UBC I WAS BRIBED BY MIKE MCCARRON, I WAS THREATENED BY MIKE MCCARRON AND I WAS FORCED BY MIKE MCCARRON BUT NOT A WORD AT THE 14 D TRIAL. NOT A WORD IN ANY OF THE NEWIRK OR BANES LETTERS. AS A MATTER OF FACT NOT A WORD UNTIL ALMOST TWO YEARS AFTER I"IMMEDIATELY DISCLOSED THESE PAYMENTS TO MIKE DRAPER" YES YOUR HONOR SOMETHING DOESNT ADD UP. YES YOUR HONR I SMELL SOMETHING FISHY AS WELL BUT I JUST THOUGHT IT WAS DAN SHANLEYS VAGINA
(2) Your honor I
swore under threat of perjury”I did so because the payments by Mike
McCarron were improper”.
(A)YOUR HONOR I AM NOW FOR UNKNOWN REASONS CLAIMING WHAT WAS CLEARLY A CHRISTMAS BONUS IN DECEMBER OF EACH YEAR, THAT WAS GIVEN AND ACCEPTED BY 15 OTHERS, TO BE GRAFT AND A BRIBE.NO STATE OR FEDERAL AGENCY, COURT OR ANYBODY ELSE WITH THE EXCEPTION OF DECARLO AND SHANLEY HAVE DECLARED THESE BONUSES IMPROPER
(3) “Your Honor
under oath and under threat of perjury I swore I did not object
to these payments at the time they were made because I feared
retaliation from Mike McCarron”.
(A)BUT YOUR HONOR I TOOK THESE BONUS CHECKS EVERY DECEMBER AS DID 15 OTHERS FOR 4 YEARS OR MORE.I ACCEPTED THE BONUS,CASHED THE CHECK SPENT THE MONEY AND NEVER COMPLAINED TO A SINGLE STATE OR FEDERAL AGENCY. I NEVER FOLLOWED THE INTERNAL UBC PROCESS AS WAS MY DUTY AS A UBC MEMBER. IF THESE BONUSES WERE INDEED IMPROPER OR SINISTER, AS DECALRO AND SHANLEY ARE NOW CLAIMING TO SUIT THEIR AGENDA,HOW IS IT POSSIBLE THAT 14 OTHER HIGH RANKING SWRCC ELECTED OFFICIALS HAVE NOT FILED DOL CHARGES OR BEEN CHARGED.THEY HAVE NOT FILED INTERNAL UBC CHARGES.THEY HAVE NOT PAID BACK THE MONEY AND NO!!!PERSECUTION !!!BY THE UBC INTERNATIONAL!!! OR DECARLO AND SHANLEY FOR THEM OR ME!!!
(3) Under oath and under threat of perjury I declared I was
the Director of the SWTF and not an employee of the Southwest Regional Council
of Carpenters..
(A)THAT IS A LIE.I AM NOT JUST DIRECTOR OF THE TRAINING FUND BUT HOLD MULTIPLE FUND POSITIONS FOR WHICH I AM DIRECTLY COMPENSATED BY THE SWRCC.
(4)Yes your honor I swore under penalty of perjury “long before
Mike McCarron filed suit against the S WTF I
had volunteered this information to the United States Department
of Labor in their investigation.”
A)YOUR HONOR
THIS IS ALSO PERJURY AND FILING A FALSE STATEMENT WITH YOUR COURT. THERE IS NO
AND WAS NO INVESTIGATION OF THE TRAINING FUND.
THIS SAME INVESTIGATION OF THE TRAINING FUND
LIE WAS TOLD BY MIKE DRAPER AND CURTIS CONYER AT THE 14 D TRIAL. CURTIS CONYER
LIED AND SAID
14D PAGE 357
DRAPER
A: It is
14D Page 356 CURTIS CONYERS
DRAPER
Q" Mr. Conyers, the Labor Department has been conducting an investigation of the Training Fund. Are
you aware of that?
A: I am.
AND AGAIN THE SAME LIE WAS TOLD BY PHIL NEWKIRK IN HIS LETTER SENT TO THE MEMBERSHIP IN AN ATTEMPT TO DEFAME MIKE MCCARRON. THE TRAINING FUND WAS NOTIFIED OF A ROUTINE AUDIT AND WAS NOT PART OF ANY INVESTIGATION INTO THE FUND AND ANY INVESTIGATION INTO MIKE MCCARRON AS WAS FALSELY CLAIMED BY MIKE DRAPER, PHIL NEWKIRK, CURTIS CONYER,THE UBC AND DECARLO AND SHANLEY.
14D PAGE 357
DRAPER
Q:
The Labor Department investigation is still
ongoing to the best of your
knowledge is that correct?
CURTIS CONYERA: It is
14D Page 356 CURTIS CONYERS
DRAPER
Q" Mr. Conyers, the Labor Department has been conducting an investigation of the Training Fund. Are
you aware of that?
A: I am.
AND AGAIN THE SAME LIE WAS TOLD BY PHIL NEWKIRK IN HIS LETTER SENT TO THE MEMBERSHIP IN AN ATTEMPT TO DEFAME MIKE MCCARRON. THE TRAINING FUND WAS NOTIFIED OF A ROUTINE AUDIT AND WAS NOT PART OF ANY INVESTIGATION INTO THE FUND AND ANY INVESTIGATION INTO MIKE MCCARRON AS WAS FALSELY CLAIMED BY MIKE DRAPER, PHIL NEWKIRK, CURTIS CONYER,THE UBC AND DECARLO AND SHANLEY.
AT THE 14 D TRIAL MIKE DRAPER TRIED TO GET PETER AYLWARD TO STATE FOR THE RECORD THAT THE TRAINING FUND WAS BEING INVESTIGATED AND THE INVESTIGATION WAS IN PROGRESS AT THAT DATE. PETER AYLWARD TOLD DRAPER THAT WAS FALSE.
14D TESTIMONY PAGE 29
Peter Aylward
I believe in November of 2012,the Training Fund received notice from the Department of Labor that the Training Fund would be subject to a DOL audit and I believe in preparation for the audit, the principal for the trustees or the Training Trust, counsel for the Training Trust, thought it was a good idea to start getting their ducks in order
14D PAGE 29
DRAPER
Q: So at the time you were hired, the Department had begun their investigation; is that correct?
(NO!!!!!!!)
AYLWARD
A. They hadn't begun their investigation, but they had notified their counsel that they were going to be targeted for the audit.
14D PAGE 29
DRAPER
Q. To your knowledge, has the Department
investigation concluded?
( NO!!!!!!)
AYLWARD
A. To my knowledge, it still has not yet commenced
THE TRAINING FUND WAS NOT TO BE INVESTIGATED AND ONLY NOTIFIED OF A PENDING ROUTINE AUDIT WHICH HAD NOT EVEN STARTED YET.DESPITE THIS TRUTH IN THE WEEKS LEADING UP TO THE 14D TRIAL THE UBC AND PHIL NEWKIRK HAD CREATED AND SENT OUT A LETTER SAYING AN INVESTIGATION HAD TAKEN PLACE.IT WAS ONGOING AND IT HAD FOUND MIKE MCCARRON GUILTY OF ALL THE THINGS THE UBC AND MIKE DRAPER HAD ACCUSED HIM OF .THE FACT WAS THAT THE TRAINING FUND AUDIT HAD NOT EVEN BEGUN AND THE ONLY DOL INVOLVEMENT WITH THE SWRCC AT THAT TIME WAS TO RULE THAT THE TRUSTEESHIP OF THE SWRCC COULD CONTINUE BECAUSE THE UBC HAD FILED ALL THE CORRECT PAPER WORK. THE DOL LETTER MADE A POINT TO DECLARE THAT "IT WAS NOT COMMENTING ON AND HAD NOT INVESTIGATED THE LEGALITY OF THE ORIGINAL TRUSTEESHIP". SO WHAT INVESTIGATOR DID I VOLUNTEER THIS “OPINION”THAT THE BONUS I WAS GIVEN WAS ILLEGAL OR IMPROPER TO. NAME THE DOL INVESTIGATOR WHO TOOK MY STATEMENT. IF NO FEDERAL,STATE OR UBC ENTITY, WITH THE EXCEPTION OF DECARLO AND SHANLEY, HAS DECLARED MY BONUS IMPROPER OR ILLEGAL WHY WOULD I VOLUNTEER ANY SUCH STATEMENT TO THE DOL WHO WAS NOT PRESENT AND NOT INVESTIGATING THE TRAINING FUND AS YOU ARE BEING FALSELY ADVISED...
BACK AT THE 14D TRIAL OF MIKE MCCARRON MIKE DRAPER REFUSED TO ACCEPT
PETER AYLWARDS STATEMENT THAT THERE WAS NO DOL INVESTIGATION OF THE TRAINING
FUND.DRAPER DEMANDED A RECESS AND THE 14 D PLAYERS BROKE FOR A SHORT PERIOD.
14D PAGE 54
A BREAK WAS TAKEN
(Interruption in the proceedings.)
THE CHAIRMAN: Let's take a quick five-minute
break. Ten minutes?
(A brief recess was taken.)
WHEN THEY RETURNED MIKE DRAPER AGAIN STATED FOR THE RECORD THAT THE TRAINING FUNDS WAS BEING INVESTIGATED BY THE DOL. THIS TIME PETER ALYWARD LIED AND SAID YES THERE WAS:
14D PAGE 54
A BREAK WAS TAKEN
(Interruption in the proceedings.)
THE CHAIRMAN: Let's take a quick five-minute
break. Ten minutes?
(A brief recess was taken.)
WHEN THEY RETURNED MIKE DRAPER AGAIN STATED FOR THE RECORD THAT THE TRAINING FUNDS WAS BEING INVESTIGATED BY THE DOL. THIS TIME PETER ALYWARD LIED AND SAID YES THERE WAS:
Let's go back on the record.
Brother Draper, did you want to continue?
MR. DRAPER:
I did.
Q: BY MR. DRAPER:
So we're back on exhibit
I'll go back on, Peter,
14D PAGE 58 Peter Aylward
AFTER BREAK
Draper
Q: I want to talk about the Labor Department's
investigation, Peter.The Labor Department is conducting an investigation of the Training Fund; is that correct?
AYLWARD
A Yes. (PETER AYLWARD LIED)
14D PAGE 59 PETER AYLWARD
AFTER BREAK
DRAPER
Q: The Labor Department's investigation is still ongoing; is that correct?
AYLWARD
A Yes.
2O MINUTES LATER PETER AYLWARD LIED AGAIN AND UNDER CROSS EXAMINATION DENIED SAYING THIS
14D Page 74 Peter Aylward
(same day same testimony)
Q: BY MS. GRIFFIN: Thank you.You've stated the Fund was going to be targeted for a Department of Labor investigation; correct?
A: No. I said that it had received notice from
the Department of Labor that an examination was
forthcoming.
Your Honor there was no investigation of the training
(5) Ripley affirms that D&S had authority to disclose
McCarron’s wrongdoing.
(A)Ripley could not have affirm any such authority since their has been no determination that the xmas bonus were improper.” There has been no ruling of any wrongdoing BY MIKE MCCARRON
(6)Ripley affirms that D&S had authority to disclose McCarron’s wrongdoing”
(A)There has been no ruling of any wrongdoing BY MIKE MCCARRON
(A)Ripley could not have affirm any such authority since their has been no determination that the xmas bonus were improper.” There has been no ruling of any wrongdoing BY MIKE MCCARRON
(6)Ripley affirms that D&S had authority to disclose McCarron’s wrongdoing”
(A)There has been no ruling of any wrongdoing BY MIKE MCCARRON
(7)McCarron for having forced these improper “bonus” payments on Ripley in the first place.
A)These xmas bonuses were never forced on Ripley.Ed
Ripley took, cashed and spent these bonuses for over 4 years. Nobody forced him
to spend the money.
I THINK ED SPENT THE MONEY ON THE NEW POOL.LOL
ReplyDeletewhere did the money come from when ed gave bonuses to the cordinators for cutting their budget??
ReplyDeleteIs that a violation of Erisa laws?
ReplyDelete