In 2021 I recorded and released an acoustic album called Stories from a Spirit Donning a Particle Suit. I play guitar and bass as well as provide vocals for all of the tracks. The cat on the album cover is named Sabrina.

YouTube Playlist

SPREAD LIGHT

More information on Voyager 1 and the Pale Blue Dot:
https://en.wikipedia.org/wiki/Voyager_1
https://en.wikipedia.org/wiki/Pale_Blue_Dot
https://en.wikipedia.org/wiki/Pale_Blue_Dot_(book)
Hi-rez image of the Pale Blue Dot:
https://upload.wikimedia.org/wikipedia/commons/d/d2/PIA23645-Earth-PaleBlueDot-6Bkm-Voyager1-orig19900214-upd20200212.jpg

Lookin’ at a tree from a distance.
Walkin’ close. Noticin’ all the details I was missin’ while far away.
Bugs n’ cracks n’ gradients.
Take the time to think that our planet is like this.

Zoomed out from a Voyager point of view, we’re a tiny little dot.
Pale blue as a hue. But zoom in, our planet’s bustlin’, hustlin’ with activity.
Much too small to see across the galaxy.
But if you ask me, we need to view our lives from this perspective.

Livin’ my life. Love is so sweet.
Livin’ my life to my own beat.
Not gettin’ in fights, that stuff is silly.
Livin’ my life. I’m blessed, it’s a treat.

Not at the happy hour, man, I’m hangin’ out with flowers.
Sittin’ underneath the stars, feelin’ the power of the fact I’m a facet of the universe.
My experience is valid, yet the truth still hurts
about all the pain and suffering in the world.

Can I raise someone’s spirit singin’ about squirrels?
Can I gift you the knowledge of your potential?
With a little effort and imagination, you can sell forty thousand copies of your book.
You can tell forty thousand people “Look deep inside your soul. Don’t get shook.”

Livin’ my life. Love is so sweet.
Livin’ my life to my own beat.
Not gettin’ in fights, that stuff is silly.
Livin’ my life. I’m blessed, it’s a treat.

Takin’ the time to think about other’s lives.
Doin’ good deeds, bringin’ tears to their eyes, ’cause why would I do anything but spread light?
Why would I get upset and start a fight? That sounds like a terrible night.
Sounds like a path I won’t walk, ’cause I’d rather shine bright.

We are all brothers and sisters.
No matter how many blisters we have from confrontation.
We have all weathered the storms and the twisters.
Now it’s time to recognize the world as one nation.

Every living being. Every tree. Every swimmer in the sea.
Every monkey. Every single body. Take the time to give thanks, wear a smile.
Create joy, spread it ’round a thousand miles.
I write songs, paint rocks, read many books. I don’t have time for negative outlooks.

Livin’ my life. Love is so sweet.
Livin’ my life to my own beat.
Not gettin’ in fights, that stuff is silly.
Livin’ my life. I’m blessed, it’s a treat.

Takin’ the time to think about other’s lives.
Doin’ good deeds, bringin’ tears to their eyes.
Livin’ my life. Love is so sweet.
Livin’ my life to my own beat.

Writin’ some rhymes to improve other’s lives.
Lendin’ a hand, that’s how we stop war and strife.

BOOKS

All the books on this shelf,
there’s a wide variety of them.
German for Beginners.
Elementary Grammar.

You’re a Better Person Than You Think.
We got the Pearls From Many Seas.
Have The Dell Crossword Dictionary.
Practical Art of Aromatherapy.

Reader’s Digest Action Guide.
Keys for Writers, with tips inside,
how to write a paper if ya have to do so.
Got a yearbook and a copy of the Bible.

Best of Health, and a book called Trees.
Told you there’s a variety.
I haven’t even mentioned, on the floor
is a collection of old vinyl records.

All the books on this shelf,
there isn’t room for anything else.
No more space. So much paper.
It weighs a lot, the shelf is a lifesaver.

Tom Sawyer by Marcus Twain.
You and You by David Tay.
Transformation is an Inside Job.
George McLaird’s got the key and the fob.

Reader’s Digest Action Guide.
Keys for Writers, with tips inside,
how to write a paper if ya have to do so.
Got a yearbook and a copy of the Bible.

Best of Health, and a book called Trees.
Told you there’s a variety.
I haven’t even mentioned, on the floor
is a collection of old vinyl records.

I like to read.
It makes me sing.
It takes me
to the places I’d rather be.

Not here.
Not at my work chair.
Nowhere I don’t care to put myself.
I love these books up on my shelf.

No Kindle. ‘Cause their batteries dwindle.
And they track what you read, what you see,
when you eat, when you pee.
Paper and sunlight’s the thing for me.

Graphic novels and picture books.
Magazines in my reading nook.
Thoughts written down on a Post-It note.
I’ll read if I’m rich, ’cause I read while I’m broke.

All the books, they’re stacked so tall.
There isn’t time to read them all.
I gotta pick and choose the ones I’ll peruse.
So much interesting news

about the body and the human mind.
About conciousness, war, space and time.
Transformation is an Inside Job.
George McLaird’s got the key and the fob.

Reader’s Digest Action Guide.
Keys for Writers, with tips inside,
how to write a paper if ya have to do so.
Got a yearbook and a copy of the Bible.

Best of Health, and a book called Trees.
Told you there’s a variety.
I haven’t even mentioned, on the floor
is a collection of old vinyl records.

WATER IS MAGIC

No, sir, I can’t deny
when rain falls from the sky
I know it’s rough, ’cause the outdoor stuff
you planned must wait to dry. Oh my!

But I enjoy the sound
when rain falls to the ground.
Rain cools the heat and the humidity
that puts me down for the count.

It gives the grass and the squirrels and the trees
a little something to drink.
It gives me time to clear my mind,
relax, read a book and think.

Just sink in the couch or the bed. Get a few pages read.
Do a bunch of laundry, vacuum the carpet.
Take a much needed few minutes to rest
and enjoy and appreciate the water droplets.

I know it’s absurd
when rain throws you a curve.
But think about how absurd it would be
if we went without water!

Your guess, as good as mine,
where water came from in the sky.
How did the earth’s supply arrive?
A comet on a fly by? Search your mind’s eye, wise guy.

Gives the grass and the squirrels and the trees
a little something to drink.
It gives me time to clear my mind,
relax, read a book and think.

Just sink in the couch or the bed. Get a few pages read.
Do a bunch of laundry, vacuum the carpet.
Take a much needed few minutes to rest
and enjoy and appreciate the water droplets.

Now we’re running out
of clean water as we enter a drought.
It’s sad. I know. I love H2O.
I love clean water and how it makes things grow.

Can’t let it happen, can’t let it go.
Can’t let water become as rare as gold.
For some, it already is.
This of this during your next sip.
Water is magic.
Think of this. Think of this. Water is magic.

A BILLION CRUMBS EQUAL ONE BOWL

Further information on the one-electron universe theory:
https://en.wikipedia.org/wiki/One-electron_universe
https://www.popularmechanics.com/science/news/a27731/what-if-every-electron-was-the-same-electron/
https://interestingengineering.com/could-every-electron-in-the-universe-be-the-same-one
https://www.youtube.com/watch?v=9dqtW9MslFk
https://www.youtube.com/watch?v=ECbW-SRz9EE

Ideas start from individuals.
Never forget that fact.
But, alone, you can’t achieve your goals.
You’ll need a helping hand.

After you’ve revised and revisited
you’ll need to get on track.
Share ideas with those who will listen.
Accept nothing less than that.

A billion crumbs equal one bowl.
Alone, just one’s only a morsel.
A billion crumbs equal one bowl.
Gather ’em up, see what unfolds.

Ideas start from individuals.
Never forget that fact.
But, alone, you can’t achieve your goals.
You’ll need a helping hand.

After you’ve revised and revisited
you’ll need to get on track.
Share ideas with those who will listen.
Accept nothing less than that.

A billion crumbs equal one bowl.
Alone, just one’s only a morsel.
A billion crumbs equal one bowl.
Gather ’em up, see what unfolds.

The one electron theory steers me to conclude
that I’m a spirit who dons a particle suit.
The one electron theory steers me to conclude
that I’m a spirit who dons a particle suit.

A billion crumbs equal one bowl.
Alone, just one’s only a morsel.
A billion crumbs equal one bowl.
Gather ’em up, see what unfolds.

ALL I’M DOIN’ IS BEIN’ A HUMAN

I’m just bein’ a human. I’m just bein’ a human.
All I’m doin’ is bein’ a human.
I’m just bein’ a human. I’m just bein’ a human.
All I’m doin’ is bein’ a human.

I’m just doing what I do so I can pay the rent.
I do these things ’till I’m exhausted and the day is spent.
I’m an official adult. Congratulations!
I’m dictated by paying bills and wages.

I’m taxed when I earn and I’m taxed when I spend.
It is taxing on my psyche and my subconcious.
It’s a constantly repeating, endless process.
At times I’m super stressed, feel a pain in my chest.

Feel an ache in my head. Feel emotions of dread
when I wake up in the morning with the bleak knowledge
I’ll accomplish nothing today creative.
I’ll sit at my desk ’till my body is achin’.

I’ll take a break and get right back at it.
Earnin’ human credits is a terrible habit.
Wanna hop n’ jump like a silly rabbit.
Gotta reach for the brass ring, grab it. Nab it.

I’m bein’ a human. I’m just bein’ a human.
All I’m doin’ is bein’ a human.
I’m just bein’ a human. I’m just bein’ a human.
All I’m doin’ is bein’ a human.

I get paid, the money flys away.
I gotta live to make money another day.
I gotta spend wisely, or feel the pain.
Not fun when the bank account wanes and drains.

Need to learn a trade to get higher pay.
Need a way to breeze through the things I hate.
Avoid fading away, my mind molds like clay.
Quick learner, written in my DNA.

From Santa Fe all the way to Uruguay
people gotta work in order to earn pay.
I’m thankful for the things I have, I say.
But, the need for more is a game I play.

If I was a squirrel, I wouldn’t spend a cent.
I wouldn’t have a bank card, I wouldn’t pay no rent.
I would eat food, sleep, climb, rinse, repeat.
Sounds real sweet. Like a real damn treat.

I’m just bein’ a human. I’m just bein’ a human.
All I’m doin’ is bein’ a human.
I’m just bein’ a human. I’m just bein’ a human.
All I’m doin’ is bein’ a human.

FRIENDS

How does my frame of mind combine with your frame of mind?
How does my frame of mind combine with your outlook on life?
How does my frame of mind align with what you think’s wrong and right?
How does my frame of mind combine with your frame of mind?

If you’re similar types and we think alike,
on the same wavelength, not losin’ sight
of your goals. No matter young or old.
Not interested in fittin’ the mold.

Than we would make good friends.
Hopefully, we don’t live a long distance
so we can hang out often.
Remember those DVDs you borrowed? “Yeah, I brought them.”

How does my frame of mind combine with your frame of mind?
How does my frame of mind combine with your outlook on life?
How does my frame of mind align with what you think’s wrong and right?
How does my frame of mind combine with your frame of mind?

If you like fun stuff and have had enough
of dishonesty, filler, and fluff,
than we may agree on a thing or three.
Go hiking with my brother and me.

Have a good time, not spend a dime.
Meet someone new, make a friend for life.
When it happens, you’ll know it’s right.
No need to rush. Let it arrive.

How does my frame of mind combine with your frame of mind?
How does my frame of mind combine with your outlook on life?
How does my frame of mind align with what you think’s wrong and right?
How does my frame of mind combine with your frame of mind?

Don’t be someone else
other than yourself.
If you act, you’ll fail.
So break the status quo spell.

Don’t be someone else
other than yourself.
If you act, you lie.
This is what I’ve learned in life.

How does my frame of mind combine with your frame of mind?
How does my frame of mind combine with your outlook on life?
How does my frame of mind align with what you think’s wrong and right?
How does my frame of mind combine with your frame of mind?

I LOVE DAD

I appreciate what my dad does for me and my family.
He works so hard for us three.
Doing all he can to keep us keep us safe and happy every day.
I gotta say, it’s indeed my favorite thing.

He grew up on High Road. Hit a high note when he finished college.
‘Cause he took so many notes,
and he took so many classes, and he worked extremely hard.
And it led him on a path that I’m proud to be a part of.

Thank you for making me a winner.
Thank you for making me so many dinners.
Thank you for making me the person I am today.
I gotta say, I love Dad.

Every single day when I came home from work
and I was in a bad mood, I feel like such a jerk.
No way in the world did my dad deserve
to be treated like that. Because I remember

the time when he took me to the Indians game.
Basketball at Cleveland State. And the time when it rained
empty bottles in the stands when we saw the Browns play
Jacksonville. He took me to piano lessons every day.

Thank you for making me a winner.
Thank you for making me so many dinners.
Thank you for making me the person I am today.
I gotta say, I love Dad.

I think of him, I’m not sad.
He’ll always be my comrade.
Best parent I could have ever had.
My parents, Cherie and Brad.

My brother Kenny, I’m so glad
my family is the one I have.
I write it down on my notepad.
I love dad.

JESSE JUSEK

Jesse Jusek is a graphic designer from Cleveland, Ohio. He used to run a website called GraphicDensity.com. I met him while working as a copywriter in Cleveland.

Jesse Jusek. Density in graphics.
If you need a designer, he’s the best.
Turned the whole Sportwing thing into a dream.
Throwin’ out ideas like a boss at meetings.

Takin’ no shit. His designs are legit.
Showed me how to Photoshop WheelTrim.
He is nothin’ but nice. Chock full of realness.
Family man. Smiles when he mentions Felix.

Inspiring; true graphic density.
Never find another quite like Jesse.
Taught me ’bout Lane’s, T-Rex and ENG.
In a conversation, he’s always funny.

Super concerned about the task at hand.
Don’t accept nothin’ ‘less it’s hundred percent.
Yeah, he’s a good dad. I sure am glad
that we crossed paths. I applaud and clap.

Brings to the party web design.
If you need to update your old site.
Bathe your eyes in 300 DPI.
Print or digital, he don’t mind.

He can illustrate with pencil lines.
You can view his portfolio online.
If he can make Sportwing look alright,
I guarantee he can make anything look fine.

Inspiring; true graphic density.
Never find another quite like Jesse.
Taught me ’bout Lane’s, T-Rex and ENG.
In a conversation, he’s always funny.

Super concerned about the task at hand.
Don’t accept nothin’ ‘less it’s hundred percent.
Yeah, he’s a good dad. I sure am glad
that we crossed paths. I applaud and clap.

SAG ORIGINALS

SAG Originals used to be a clothing alterations company in Medina, Ohio.

SAG Originals.
Custom clothes and alterations.
They’ll get you the perfect dress for the homecoming dance!
Your appearance and confidence will be enhanced.

SAG Originals.
Business wear that’s professional; refined.
They design dresses and pants.
Gather all necessary info in advance.

If you need your pants hemmed
don’t hesitate to call them.
They tailor suits and dresses.
Equestrian apparel. Custom made dancewear.

SAG Originals.
Sewing the materials
into a jacket or a pair of pants.
Into a costume complete with a mask.

SAG Originals.
Reinvigorate your wardrobe.
They’ll cater to your every need, you can call them.
330-564-3757. (No longer active)

If you need a zipper fixed
don’t even worry ’bout it.
Bring it to ’em broken.
Walk away with it in working condition.

INSPIRATION OVERDRIVE

Love doesn’t always have to suck.
It doesn’t have to be left to luck.
If you show your love, you’ll be surprised.

Originating from your mind.
Energy that can’t be denied.
Inspiration overdrive.

Love doesn’t have to suck.
Love doesn’t have to suck.
Love doesn’t have to suck.
Even if you know nothing but.

We’ve all been there so many times.
And we’ve all had to go through motions
to find our capabilities in life.

Originating from your mind.
Energy that can’t be denied.
Inspiration overdrive.

Love doesn’t have to suck.
Love doesn’t have to suck.
Love doesn’t have to suck.
Even if you know nothing but.

Love doesn’t have to suck.
Love doesn’t have to suck.
Love doesn’t have to suck.
Even if you…

Ya gave it a shot. Ya got what ya got.
Things changed quite a bit since you tied the knot.
You loved it a lot. Your stomach in a knot.
But your hopes were shot, your heart left to rot.

Realize that it really don’t mean squat
other than an opportunity to see what you’re not.
And what you could be if you lived freely.
According to what you see. Just take it from me.
According to your decree. Foresee perpetually.

Now that you know this, I’m sure
you’ll no longer be a misinterpretor.
Bright things are already in your future.

Originating from your mind.
Energy that can’t be denied.
Inspiration overdrive.

Love doesn’t have to suck.
Love doesn’t have to suck.
Love doesn’t have to suck.
Even if you know nothing but.

Love doesn’t have to suck.
Love doesn’t have to suck.
Love doesn’t have to suck.
Even if you know nothing but.
Even if you know nothing but.

ICE CREAM CAT

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
His body is the ice cream cake.
What will I think when I’m awake?

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
Part of the ice cream cake.
A bite I want to take.

I’m riding in the back of a van beside the Ice Cream Cat.
I pet him with my hand.
His body is so delicate.
I wanna give him a lick but I don’t want to kill it.

I love him inherently.
Although he’s part of a cake, he does not scare me.
The colors, yellow, white and pink.
This happened in a dream. Some wild stuff I think of

when I doze off in a bed with a pillow.
His head and body are white. But his chin is yellow.
His body is protruding from the ice cream cake.
Somehow, he’s part of it. He’s alive, feeling great.

He looks me in the eye and meows.
We are on Brandywine Road. The van moves forward now.
I swear this is not a game.
It was very real to me. Yes, indeed, his name is

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
His body is the ice cream cake.
What will I think when I’m awake?

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
Part of the ice cream cake.
A bite I want to take.

What a beautiful creature.
When he opens his mouth, you hear him squeak and purr.
I’ve never seen an anomaly quite like him.
He is a cat with an ice cream body.

His eyes contain love inside.
It all makes sense while in the van I ride.
It doesn’t seem ridiculous.
Never before has anything made so much sense.

If we hit a bump, make sure to check on the cat.
He is ice cream and he is delicate.
I think it is a metaphor.
The things you love in life must always be cared for.

I’m riding in the back of a van
next to the Ice Cream Cat. This dream I understand.
His spirit I will never forget.
His aura filled with love, his body, delicate.

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
His body is the ice cream cake.
What will I think when I’m awake?

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
Part of the ice cream cake.
A bite I want to take.

No, I’m not intimidated.
There’s no confusion in my head.
Look at all the memories he has created apparently.
I love him inherently.
He is the Ice Cream Cat. He is the Ice Cream Cat.

His name is Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
His body is the ice cream cake.
What will I think when I’m awake?

Ice Cream Cat.
I wanna give him a lick, but I don’t want to kill it.
His name is Ice Cream Cat.
Part of the ice cream cake.
A lesson from him I take.

I DON’T HAVE ANY ANSWERS (BUT I HAVE A LOT OF QUESTIONS)

I don’t have any answers, but I have a lot of questions.
I have no reply to the things you just mentioned.
Come to me for information, boy, I thought you learned your lesson.
I don’t have any answers, but I have a lot of questions.

I don’t have any money, but have lots of expenditures.
My credit card has melted, you can’t even read the numbers.
What has brought me to this point? I need to really wonder.
The digits on the screen affect the size of my net worth.

I don’t have any doubt about the goals that I’m achievin’.
I guarantee you’ll fail the moment that you stop believin’.
The things you thought you’d never see are the things you’re seein’.
Never underestimate the motivation in your spirit.

OCTOBER

It is October. It is time for it to get cold out.
I don’t like the cold. I don’t like to drive in the snow.
I’d rather stay inside and watch a show.

But, I can’t. I gotta do what it takes to get my name out there.
Can’t put on the brakes just because the conditions outside ain’t great.
Now’s the chance, move at a steady rate.

Never wait for opportunities to rise.
Create situations in your life that attract what you need.
Won’t take long to see necessities come with positivity.
Necessities come with positivity.

Today I watched the wind take leaves off of the trees.
It’s time for the green to start it’s vacationing.
See you in the spring.

Now it’s time. I gotta do what it takes to get my name out there.
Can’t put on the brakes just because the conditions outside ain’t great.
Now’s the chance, move at a steady rate.

Never wait for opportunities to rise.
Create situations in your life that attract what you need.
Won’t take long to see necessities come with positivity.
Necessities come with positivity.

If you aren’t sure, remember it’s October.
Time for leaves to change. Snow will be here any day.
Engage in winter games.

TURKEY DAY

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Loud at the table, lots of noise is made.
I’m proud to say, it’s Turkey Day!

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Friends and relatives will conversate.
I appreciate Turkey Day!

I’m feelin’ fine, it’s time to dine.
Grab a plate, chills run down my spine.
The food is out, we form a line.
Which one do I want to try? All.

Carrots, corn and mashed potatoes.
Giblet gravy in tornadoes.
Green beans, bacon, dinner rolls.
Pumpkin pie and applesauce.

Grits and casserole.
A lot of the food’s unpassable.
Eat ’till I’m not hungry,
then on the couch, I could sleep for a week.

Fourth down play, turn on the game.
If my team loses, I’m filled with shame.
But if they win, I’m celebratin’.
High fives for all my kin.

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Loud at the table, lots of noise is made.
I’m proud to say, it’s Turkey Day!

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Friends and relatives will conversate.
I appreciate Turkey Day!

I’m feelin’ full, I got the day off work.
Time for a nap under the covers.
Time for snow, time to let go of anger.
It’s the holidays, you know!

The family’s together, let’s play charades
and watch the Macy’s Thanksgiving Day Parade.
Every single year, I just can’t wait for Thanksgiving.
My favorite holiday!

Thinkin’ back to the pilgrims and natives
sharin’ their maize and steamed potatoes.
Turkey with stuffing and apple pie.
Give thanks to the food on the table, then dive in.

Survivin’ off leftovers for a week.
Every time I eat, I go to sleep.
Dream about the next Thanksgiving.
This is why I sing the following:

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Loud at the table, lots of noise is made.
I’m proud to say, it’s Turkey Day!

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Friends and relatives will conversate.
I appreciate Turkey Day!

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Loud at the table, lots of noise is made.
I’m proud to say, it’s Turkey Day!

Hey! Hey! It’s Turkey Day.
Time to dig in, time to fill up your plate.
Friends and relatives will conversate.
I appreciate Turkey Day!

PLEASE CALL MISNY

This was a tune I wrote for a Peabody’s Tim Misny songwriting contest back in 2013.

HRTs.
HRTs.
If you were prescribed these,
please call Misny.

Work injuries.
Work injuries.
If you’ve experienced these, please call Misny.
If you’ve experienced these, please call Misny.

Social Security.
Social Security.
If you’re denied SSD,
please call Misny.

Birth injuries.
Birth injuries.
In many cases you can prevent Erb’s Palsey.
Takes this seriously. He’ll help your family.

Make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
Fights for injured victims every day.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
On a negligent trucker crusade.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
Chanted his name during the Cavs game.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
They say make ’em pay, Misny, make ’em pay.
Umbrella coverage helps to compensate.