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The information on this website is provided for general informational purposes only and does not constitute legal advice. No attorney–client relationship is created by your use of this site or by any communication with Betz & Port. You should not act or rely on any information contained herein without seeking the advice of a qualified attorney licensed in your jurisdiction. If you have specific questions about your legal situation, please contact an attorney.

Case Management & Communication

Your case is handled by our team of paralegals, admin assistants, and attorneys. Our commitment and guarantee to you is that you will hear from our firm at least once a month, even if there aren’t any big updates on your case.

  1. Provide Key Information: Share all requested documents and details with the Betz & Port team to give them a comprehensive understanding of your situation. This may include medical records, insurance information, and any correspondence related to your injury.
  2. Follow Medical Advice: Ensure you’re following the treatment plan provided by your healthcare professionals to aid your recovery and build strong medical evidence.
  3. Document the Impact: Keep a daily journal noting how the injury affects your work, daily activities, and quality of life. This can serve as evidence of the injury’s impact. Share your journal with the Betz & Port team every 4-8 weeks.
  4. Review and Sign Documents: Carefully review any documents provided by your legal team and sign authorization forms that allow them to obtain medical and insurance records on your behalf.
  5. Avoid Communication with Opposing Parties: Let Betz & Port handle all communication with the opposing parties and insurance companies. If contacted directly, politely refer them to your legal team.
  6. Ask Questions: If you have questions about the process, timeline, or your case, feel free to ask your attorney or legal assistant for clarification.
  7. Stay Updated: Expect periodic updates from your legal team and respond promptly to any requests for information to keep the process smooth.
  8. Focus on Recovery: Your health and well-being are the top priorities, so prioritize recovery and follow your treatment plan while Betz & Port manage your legal case.

We pride ourselves on being accessible and available to our clients.

At the beginning of the case, you will be assigned a primary attorney and a paralegal. They will provide you with their information, and you can call or email them at any time. You may also text our firm texting number, 833-376-1647

We will contact you at least once a month to notify you of any updates on your case. Early in the treatment phase, there are often few updates, as we are waiting to see how your doctors will evaluate your injuries before heavy negotiations with the insurance adjusters.

  • We will need to collect any receipts and expenses you have incurred from your injury (such as having to pay a house cleaner because you cannot vacuum anymore or having to pay Uber because you cannot drive).
  • A personal letter explaining your limitations and the effects of your injuries is very helpful. These insurance companies have adjusters who are human. If they see you as human, they will be more sympathetic and helpful.
  • Any out-of-work statements or proof showing you could not work, if wage loss is relevant.
  • Photographs of you and your family, doing activities you love.
  • Full disclosure on anything you can think about in your case – facts of the collision, past accidents, past medical providers not previously mentioned, etc. What you tell us is protected by the attorney-client privilege, but we cannot accurately evaluate your case without knowing the full picture.

Never! This is your case, your injury, and your story. We will advise you what we believe is a fair outcome, but we will never settle a case without your permission.

Read our article here.

This is extremely typical in the initial stages of negotiation. Seldom is the first offer ever reasonable; it is only the first in a series of increases during the negotiations. Part of our job as your representatives is negotiating on your behalf using pinpointed tactics, looking to preserve your best interests and get you the highest result possible.

If you still do not get a fair offer, and we are in agreement with you based on our experience and expertise, we may recommend litigation as a method of moving your case forward for a better result.

Read our article here.

Likely not if your case settles before trial. If your case does go before a jury, then both you and the defendant will be there as potential witnesses, but even then, you will not need or be expected to interact with the defendant.

While it’s hard to put an exact number on, less than 10% of civil cases go to trial. Your attorney will evaluate the offers made by the insurance company and talk with you about what a fair result would be, as well as the potential risk of going to trial. You can accept an offer (if it is still on the table) all the way through the end of the trial.

It is somewhat common to see an offer from the insurance company come on the eve of trial. Unfortunately, this is after your legal team has spent thousands of dollars and hours of time preparing your case, so it may make sense to go all the way through with the trial. But this is a conversation to be had with your attorney.

Stages of Deposition

Read our article here.

Your lawyer will be present while the opposing attorney asks you questions. Typically, there is a videographer who will be filming, and a court reporter who takes down a report of what everyone says.

The negligent party is not usually present, though they have a right to be.

It usually takes between 2-3 hours, depending on the number of questions the opposing attorney asks. Sometimes it may take up to 7 hours, but not very often.

Stages of Mediation

Read our article here.

Most cases only require a half-day of medication. This can take up to 4 hours. Larger cases require a full day of mediation. This can take up to 8 hours.

Mediation typically involves a smaller, more controlled group of participants compared to a trial. You and your attorney will be in a separate room, and you will never directly talk to the defendant.

Here are the key individuals who are usually present during the mediation of a personal injury case:

  1. You, the Client: As the plaintiff in the case, your presence is important. You provide firsthand insight into the impact of the incident and your injuries, and you will be involved in making decisions regarding the settlement.
  2. Your Attorney: A lawyer from Betz & Port will be there to represent your interests, advise you throughout the process, and negotiate on your behalf. Your attorney plays a crucial role in explaining legal terms, discussing the strengths and weaknesses of your case, and helping guide your decisions.
  3. The Mediator: An impartial third party who facilitates the mediation. The mediator helps both sides communicate more effectively, proposes settlement options, and works to find a mutually acceptable resolution. Mediators are typically experienced in personal injury law and trained in conflict resolution.
  4. The Defendant’s Attorney: Represents the defendant’s interests, just as your attorney represents yours. They will negotiate on behalf of their client and provide legal advice.
  5. Insurance Representatives: If an insurance company is involved in the case, a representative from the insurer may also be present, especially if the settlement will be paid out from an insurance policy. This representative has the authority to agree to compensation terms up to a certain limit.
  6. Support Persons: Occasionally, you may choose to bring a support person, such as a family member or a close friend, especially if their presence helps in coping with the stress of negotiation.

However, their involvement in the discussions themselves will be limited based on the rules established by the mediator.

Everyone present at mediation has a role in trying to resolve the dispute without the need for a trial. It’s a collaborative process aimed at finding a satisfactory resolution for both parties.

Yes, you are required to be there. You have the ultimate authority to accept or reject an offer.

If the parties come to a settlement amount, then the next phase of the case will move to Settlement and Disbursement, and your assigned legal team will walk you through those next steps.

If it does not settle, we will move your case to the trial phase. More information will be provided at that time.

Stages of Trial

Pre-Trial Preparation: Before the trial begins, we will have several meetings to review our strategy and prepare you for testimony. We’ll go over the questions we expect to be asked by both our legal team and the opposition.

It’s crucial that you understand every aspect of your case and feel confident and prepared to testify.

At the Actual Trial:

  • Jury Selection: The first step in the trial process will be the selection of a jury. This involves questioning a pool of potential jurors to ensure an unbiased jury is selected to hear the case.
  • Opening Statements: The trial officially begins with opening statements from both the plaintiffs’ and defendant’s attorneys. This is our opportunity to outline the case to the judge or jury, presenting a roadmap of what we intend to prove regarding your injuries and the defendant’s liability.
  • Presentation of Evidence: During the trial, both sides will present evidence, including documents, physical evidence, and witness testimonies. As the plaintiff, our side typically presents evidence first. You may be called to testify about the incident and how it has impacted your life.
  • Cross-Examination: After each witness testifies, the opposing attorney will have the opportunity to cross-examine. This is intended to challenge the testimony and help the jury or judge evaluate the credibility and relevance of the information provided.
  • Closing Arguments: After all evidence has been presented, both sides will make their closing arguments. This is a final opportunity to summarize the evidence and persuade the judge or jury to support our case.
  • Jury Deliberation and Verdict: If the trial involves a jury, they will then deliberate privately to reach a verdict. This process can take anywhere from a few hours to several days, depending on the complexity of the case.
  • Judgment: Once a verdict is reached, a judgment will be issued. The judge will enter a final ruling that determines the outcome of the case, including any compensation awarded.

During the trial phase of your personal injury lawsuit, several types of witnesses may be called to testify, each playing a unique role in supporting your case:

  • You, the Plaintiff: As the injured party, you are typically the primary witness. You will testify about the details of the incident, your injuries, the impact on your life, and the ongoing consequences you face due to the accident.
  • Eyewitnesses: Any individuals who witnessed the incident can provide testimony regarding what they saw and heard. Their accounts can be crucial in establishing the facts of the case and the liability of the defendant.
  • Medical Experts: Doctors and medical professionals who treated you may testify about your injuries, treatment, and prognosis. They provide expert opinions on the extent of your injuries, the necessity of treatments received, and your future medical needs.
  • Accident Reconstruction Experts: In complex cases, where the cause of the accident is in dispute, accident reconstruction experts may be called upon. These experts use scientific methods to reconstruct the accident and can help establish liability.
  • Economic or Financial Experts: These experts may testify about the economic impact of your injuries. This includes lost wages, loss of earning capacity, and the costs of future medical care.
  • Vocational Rehabilitation Specialists: If your injuries have impacted your ability to work or return to your previous employment, vocational experts may testify about your employment prospects, necessary retraining, and the feasibility of adjusting to new employment.
  • Family Members and Friends: People close to you may testify about your life before and after the injury, providing a personal perspective on the impact of the incident on your daily activities, emotional state, and overall quality of life.
  • Other Witnesses: Depending on the specifics of your case, other witnesses such as police officers, occupational therapists, or mental health professionals might also testify to provide additional insights into the accident’s circumstances or the effects of your injuries.

The initiation of your lawsuit involves several key steps that establish the legal framework for your case:

  • Preparing the Complaint and Summons: The first step is the drafting of the complaint, which details your allegations against the defendant, the facts of the incident, and the damages you are seeking.
  • Serving the Defendant: Before the complaint is officially filed with the court, it must be served on the defendant along with a summons. The summons informs the defendant that they are being sued and outlines the timeline they have to respond. Service can include personal delivery, service by mail, or through a third party.
  • Filing the Complaint: Once the defendant has been served and we have obtained an affidavit of service confirming that the defendant has received the complaint, we then file the complaint with the court. This official filing marks the formal start of the lawsuit.
  • Defendant’s Answer: After being served, the defendant has a specified period, typically 20 days, to respond to the complaint. Their response can take the form of an answer, where they admit, deny, or claim insufficient knowledge to the allegations, or they may file a motion, such as a motion to dismiss the case on various legal grounds.
  • Case Management Conference: The court may schedule an initial case management conference once the complaint is filed and the defendant has responded. This conference sets the litigation timeline, including deadlines for the discovery process, filing further motions, and possibly the trial date. It helps ensure that the case proceeds efficiently through the judicial system.
  • Discovery Plan: Following the case management conference, both parties discuss and establish a discovery plan. This plan sets out the necessary steps for exchanging evidence, including document production, depositions, and gathering other pertinent information.

At Betz & Port, we meticulously handle each of these steps to ensure your legal rights are protected and the lawsuit progresses smoothly. We keep you informed throughout the process, providing guidance and support from the initial preparation of the complaint to the final resolution of the case.

  • Written Discovery: During Litigation, the defense attorney will have to learn the file and does so by requesting your medical treatment records, bills, and lost wage information. This is done by sending written questions and requests for documentation to our law firm. Commonly, the defense lawyer will send roughly 30 written questions called “interrogatories’ to learn about you, the nature and extent of injuries, and how those injuries have affected your quality of life. We will do the same thing on your behalf by serving interrogatories, requests for documents, etc.
  • Deposition: Once written discovery has been completed and the defense lawyer has had sufficient time to review and summarize the information, the defense lawyer will usually set up a time to take your “deposition.” We will do the same thing by taking the deposition of the defendant and any other key witnesses to your case. A deposition is a sit-down session with the insurance company lawyer in person or by Zoom, where they have a chance to ask you questions. The Defendant is typically not present during your deposition, but they have a right to be present. A court reporter is present, and the questions are answered under oath with a written transcript provided by the court reporter. We are always present with you during the deposition. We also meet with you well in advance to prepare you for the types of questions likely to be asked during the deposition. A deposition normally takes two to three hours. However, it can take as long as 7, but only in rare cases. The types of questions asked include general background, prior health history, facts of the incident giving rise to the injury, and how the injuries have affected your quality of life.
  • ADR (Alternative Dispute Resolution): Minnesota courts have implemented “ADR” as a mandatory process to help parties seek early resolution before trial. It can include binding arbitration, non-binding arbitration, summary jury trial, or mediation. Mediation is by far the most common form of ADR and takes place after your deposition has been completed. Mediation is a voluntary, non-binding alternative to a trial. The parties mutually agree on a mediator, who is usually a local attorney with substantial experience in personal injury cases. Mediators are not judges, and they have no power to decide the case. Their primary job is to facilitate communications and keep the parties in negotiations to fully explore if a settlement is possible. Mediation is effective because it requires all parties and lawyers to prepare and focus on your case at the same time, i.e., it is like a spotlight on your case. That single-minded focus is invaluable to getting the case resolved. If both parties agree to the terms of settlement, it becomes binding. The estimated time to complete this step is six to 10 months from the date of filing the lawsuit.
  • Trial Preparation: If your case does not settle at Mediation, it must be prepared for trial. Though it sounds intimidating, moving your case to trial preparation is not a cause for concern or discouragement. Most cases still settle, even though initial settlement discussions were not productive. Properly preparing the case for trial is important to show the insurance company that we are ready, willing, and able, if necessary, to present the merits of your case to a jury, who will have the final say on what amount fairly and reasonably compensates you for your injury. Our law firm handles all aspects of the preparation for trial, including gathering the video-recorded deposition testimony from treating physicians regarding the causation of the injury, the nature and extent of the injury, and any long-term consequences and/ or medical care brought on by the at-fault defendant’s negligence. At this step, our law firm will notify the Court that the case has not settled and is ready for a trial date to be assigned.

In a personal injury lawsuit, several outcomes are possible depending on how the case progresses through the legal system. Understanding these potential resolutions can help set realistic expectations. Here are the primary outcomes you might encounter:

  • Settlement: Most (90%+) personal injury cases are resolved through a settlement before reaching trial. A settlement occurs when both parties agree on a compensation amount to be paid to the plaintiff by the defendant or their insurer. This agreement can happen at any stage of the litigation process and is often preferred because it reduces the time, costs, and uncertainties associated with a trial.
  • Trial Verdict: If the case goes to trial and does not settle, it will be decided by a judge or a jury. The trial will culminate in a verdict where the judge or jury determines if the defendant is liable and, if so, the amount of damages the defendant must pay. Trials can be unpredictable and may result in a higher or lower award than expected from a settlement.
  • Dismissal: In some instances, the court may dismiss your case if it finds insufficient legal basis to claim damages or if procedural issues (like missing filing deadlines) are present. Dismissal can occur at various points in the litigation process, often as a result of motions filed by the defendant.
  • Summary Judgment: Either party can file a motion for summary judgment, which asks the court to decide the case or specific issues in the case without a trial. This is based on arguments that even if all facts are considered in the light most favorable to the non-moving party, the law inevitably favors the moving party. If granted, it ends the case or any part of it without a trial.
  • Appeal: After a trial verdict, either party may appeal the decision to a higher court. An appeal is not a new trial but a review of the legal procedures and decisions in the original trial to ensure they were correct and fair. Appeals can prolong the resolution of a case and are usually based on claims of legal errors that significantly affected the outcome of the trial.
  • Alternative Dispute Resolution (ADR): Even during litigation, parties might agree to engage in mediation or another form of ADR to resolve their dispute outside the courtroom. This can lead to a negotiated settlement, potentially guided by a mediator or an arbitrator.

At Betz & Port, we strive to guide you towards the best possible outcome based on the specifics of your case and your personal circumstances. We will discuss each of these potential outcomes with you, considering your preferences and the strengths and weaknesses of your case, to determine the best strategic approach.

Your active participation and cooperation are crucial in strengthening your case during the litigation process. Here are several ways you can assist your legal team at Betz & Port:

  • Provide Comprehensive Information: From the outset, provide your legal team with all relevant details about the incident, your injuries, and any subsequent treatments. This includes sharing any documents, photographs, videos, and witness information that may support your case.
  • Maintain Accurate Records: Keep detailed records of all medical treatments, expenses related to your injury, and any correspondence with insurance companies. 
  • Communicate Openly: Regular communication with your attorney is vital. Inform them promptly of any new developments, such as changes in your medical condition, additional treatments, or contact from other parties related to the case.
  • Follow Legal Advice: Your attorney might provide specific advice on how to handle aspects of your case, such as dealing with social media, discussing the case with outsiders, or managing direct communications from insurers or the defendant. Following this advice is critical to avoid any actions that could undermine your position.
  • Be Available for Depositions and Meetings: You may be required to give a deposition or attend meetings as part of the discovery process. Being available and prepared for these appointments ensures they proceed smoothly and your testimony supports your case effectively.
  • Stay Organized: Help your legal team by organizing any documents and information related to your case. A well-organized case file can save time and improve the efficiency of preparing for negotiations or court appearances.
  • Prepare for Depositions and Testimony: Work with your attorney to prepare thoroughly for depositions and possibly for testifying in court. Understanding the likely questions and rehearsing your answers can significantly impact the effectiveness of your testimony.
  • Remain Patient and Informed: Litigation can be a lengthy process. Staying informed about the progress of your case and maintaining patience throughout the sometimes slow-moving legal procedures helps manage stress and fosters a better client-attorney relationship.

By actively engaging in these ways, you enhance your legal team’s ability to advocate effectively on your behalf, increasing the likelihood of a favorable outcome. At Betz & Port, we value and encourage our clients’ involvement as an integral part of the legal process.

  1. Request a New Trial: If you believe there were significant errors made during the trial that affected the verdict, you or your attorney can request a new trial. This request must be based on specific reasons such as procedural errors, newly discovered evidence, or misconduct that could have influenced the jury’s decision.
  2. Appeal the Decision: You have the right to appeal the trial’s outcome to a higher court. An appeal is not a new trial but a review of the trial court’s proceedings to ensure that the law was applied correctly. During an appeal, no new evidence is presented; instead, the higher court reviews the record from the lower court to determine if there were legal errors that could have affected the verdict. You must file a notice of appeal within a specific time frame, usually 30 days after the judgment.
  3. Settlement After Verdict: In some cases, it might still be possible to negotiate a settlement with the defendant even after a verdict has been delivered, particularly if both parties wish to avoid the costs or uncertainty of an appeal.
  4. Legal Assessment: It’s important to have a comprehensive discussion with your attorney to assess the trial’s outcome thoroughly and explore all available options. Your attorney can provide advice on the feasibility and potential success of an appeal or other actions based on the specifics of your case.
  5. Prepare Financially and Emotionally: consider the financial implications and emotional toll of continuing legal proceedings. Appeals can be costly and time-consuming, so it’s essential to evaluate whether the potential benefits outweigh these factors.

Your role during the trial is crucial for the presentation of your case and can significantly influence its outcome. Here are key aspects of what is expected of you:

  • Testifying: As a plaintiff in a personal injury case, you will likely be required to testify. This involves sharing your account of the incident, describing your injuries, and detailing the impact those injuries have had on your life. Prior to testifying, we will prepare you thoroughly, reviewing key facts and practicing answers to potential questions to help you present your testimony clearly and effectively.
  • Presentation: The way you present yourself in court can affect the perception of your credibility and reliability. Dress conservatively and professionally, as if you were attending a formal business meeting. This shows respect for the court and can help make a positive impression on the judge and jury.
  • Demeanor: It’s important to remain calm and composed, regardless of the circumstances. Court proceedings can sometimes be lengthy and stressful, especially during cross-examinations.
  • Maintaining a respectful demeanor, even when faced with challenging questions, is crucial. Always speak clearly, honestly, and directly, avoiding emotional outbursts or arguments with the opposing counsel.
  • Following Courtroom Etiquette: Courtrooms have strict rules regarding behavior. Listen carefully to the judge’s instructions, stand when the judge enters or leaves the room, and address the judge as “Your Honor.” Make sure your cell phone is turned off and avoid any distractions that could disrupt the proceedings.
  • Engagement: Stay engaged and attentive throughout the trial. This not only helps in maintaining a presence in front of the jury but also ensures you are fully aware of the proceedings. Your engagement shows the court and jury that you are taking the matter seriously and respect the legal process.
  • Communication with Your Legal Team: Keep open and ongoing communication with your attorneys. If you have questions about the process or specific happenings in court, write them down and discuss them with your attorney during breaks or after court sessions. This will help address any concerns promptly and keep your legal team informed of your perspective.

By understanding and fulfilling these roles, you contribute significantly to the collective effort to manage and present your case effectively in court.

The duration of a personal injury trial can vary significantly depending on several factors. Here is a detailed breakdown of what influences the length of a trial and what you can expect:

  • Complexity of the Case: The more complex your case, the longer the trial is likely to last. Complex cases might involve multiple defendants, intricate legal issues, or extensive medical evidence, all of which require more time to present and argue.
  • Number of Witnesses: The number of witnesses who testify can greatly affect the duration of your trial. Each witness needs time for direct examination, cross-examination, and possible redirects. The more witnesses there are, especially expert witnesses, the longer the trial will likely take.
  • Evidence Presentation: The amount and type of evidence presented also play a critical role in determining the length of a trial. Detailed medical records, accident reconstructions, and other technical evidence can take considerable time to present and discuss.
  • Jury Selection: The process of jury selection, known as voir dire, can vary in length. In cases where there are sensitive issues or high stakes, selecting a jury can be a lengthy process, as both sides ensure the jurors can be impartial and fair.
  • Court Scheduling: Trial schedules are subject to the court’s availability. Delays can occur due to the court’s schedule, such as pre-existing case backlogs, which can extend the duration of the trial beyond the days actively spent in court.
  • Legal Motions and Deliberations: Motions filed by either party during the trial, and the time it takes for the judge to rule on these motions, can also extend the trial. 
  • Legal Motions and Deliberations: Motions filed by either party during the trial, and the time it takes for the judge to rule on these motions, can also extend the trial. Additionally, once the case is handed over to the jury, the time they take to deliberate and reach a verdict varies widely.

On average, a straightforward personal injury trial might last from a few days to a week. However, more complicated cases can take several weeks or even longer. It’s important to prepare for this variability and maintain flexibility in your schedule during the trial period.

Yes, it is important for you to be present throughout the entire trial. Your continuous attendance plays a vital role in the proceedings and can influence the outcome in several ways:

  • Your Testimony: Your presence is essential when you testify. This is your opportunity to narrate your experience, describe your injuries, and explain the impact on your life. Being present throughout the trial also helps you stay prepared and consistent in your testimony.
  • Observation of the Trial: Being present allows you to observe all the testimonies and the presentation of evidence. This firsthand knowledge can be crucial, especially if you need to make real-time decisions with your legal team based on the developments in the courtroom.
  • Jury Perception: Your presence demonstrates to the jury your active interest and commitment to the resolution of the case. Jurors are likely to take note of your involvement and consider your engagement when deliberating the outcome.
  • Supporting Your Case: Your attendance during opening and closing statements, as well as during key witnesses’ testimonies, reinforces the significance of the case to you personally. It also allows you to provide immediate feedback to your attorney, enhancing the strategic approach to your defense.
  • Legal and Emotional Support: Trials can be stressful and emotionally taxing. Being present throughout ensures that you are directly involved in the proceedings and can receive immediate support and clarifications from your legal team.
  • Verdict Delivery: It is crucial to be present for the delivery of the verdict. This is the culmination of your legal battle, and being there in person allows you to immediately understand and react to the outcome of your case.

Once a verbal agreement has been met about the amount of money, the insurance company will send us a release for you to sign. After we review it, we will send it to you for e-signature. We have notaries in our office, so we can facilitate notarization via Zoom if necessary for the release.

We will also ask you to sign an internal document detailing the settlement amount and disbursement of funds, such as case costs, attorney fees, and subrogation interests (how much money your insurance providers, etc., want back). This will provide the information you need to see where every dollar has gone in your case. Copies of both the release and settlement sheet will be provided to you for your records.

The insurance company typically issues the check within a few days, but sometimes they drag their feet. We will be persistent in reminding them to send the check. It is then sent to our office, where we deposit it into our client trust account. The deposit must remain in the trust account for a sufficient length of time for the deposit to clear the issuing (insurance company’s) bank. This is usually two to three days, but in some cases it might take a week.

There are other options for arranging for payment of the settlement money, such as a structured settlement. Your attorney will advise you if they believe this would be a wise idea in your case.

Once the check has cleared, we will disburse the funds. Typically, this means we will mail you your check, but we are happy to meet in person to hand you the check if you prefer. At this point, you can cash your check!

If it does not settle, we will move your case to the trial phase. More information will be provided at that time.

Our standard arrangement is that you get everything minus one-third for attorney’s fees, as well as reimbursement for the case costs we spent to build up your case (such as investigation, copies of medical records, deposition expense, filing fees, doctors’ testimony, etc.). We recommend checking the original signed retainer if you have any questions.

We strive to get you as much as we can by keeping costs low where possible.

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