dr. or carpenter. [applause] >> well, good morning. >> good morning. >> it's a pleasure to be with you this morning to talk about our book, and chip sends his regards as well. he is in retirement now in utah. so that would have been quite a trip for him to come. so if you know chip, he sends his regards. this morning, and i want to begin by introducing you to somebody from our book, and that is kim powers bridges. kim owns and operates bridges funeral home this tennessee. in tennessee. but she's not from tennessee. kim is actually from oklahoma. she started her first business there, a tunal business. -- funeral business. but she had to leave oklahoma when she ran afoul of the law. it turns out that kim was engaged in the very dangerous practice of selling caskets without a funeral director's license. before that in the early 1980s kim was on the executive fast track. she grew up in a family of hard working entrepreneurs. she learned the relationship between hard work and success. and after she left col