I have retired and moved to South Carolina in late 2012 But i still keep in touch and read my emails. I was so shocked to find out of Howies Passing. I worked for a company that Howard Insured and he insured my families cars as well for many years. He was always so nice, helpful in anyway he could and I always felt more like a friend than a client. he was a good man and will be sadly missed. Please know My wife and I are sending all our prayers for the family. He is home with Our Lord and yes will be missed but not forgotten and we will all see him again.