My name is Jefferey Zhu and I have the pleasure of representing Modern Woodmen of America, a financial services organization built by members. There are two sides of my business. On the fraternal side, Modern Woodmen was able to give $19.2 million back to communities nationwide in 2015. On the business side, I believe in accumulating wealth, reduction of taxes and taking risk off the table. Fit does not come out of a box.