RIMS Resources

RIMS Professional Report: Active Shooter Preparedness for Your Organization

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RIMS new professional report “Active Shooter Preparedness for Your Organization" highlights opportunities for risk professional sand their organizations to identify warning signs of potential attacks, best practices in communication and pre-event training, as well as strategies to implement a coordinated effort that minimizes injuries, property damage and uncertainties.  

Author: Justin Smulison

Date: March 5, 2019

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RIMS Professional Report: The Risk Management Implications of Conflicting Federal and State Cannabis Laws

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RIMS new professional report “The Risk Management Implications of Conflicting Federal and State Cannabis Laws" provides a brief description of the current cannabis laws in the United States and specifically highlights issues that businesses in marijuana industries, landlords, and landowners must be aware of.  

Author: RIMS External Affairs Committee.

Date: February 7, 2019

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RIMS Professional Report: A Guide to Cyber Insurance

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RIMS new professional report “A Guide to Cyber Insurance” offers risk professionals best practices for assessing the organization’s need for cyber insurance, as well as tips for completing the application and procurement processes. Additionally, with examples, the report explores cyber breach management and cyber litigation strategies.

Author: Co-edited by Katherine J. Henry and Brendan W. Hogan from the law firm Bradley Arant Boult Cummings. Their fellow colleagues Dylan C. Black, A. Kate Margolis, G. Benjamin Milam and Emily M. Ruzic co-authored the report.

Date: August 14, 2018

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Communication with the C-Suite and Board

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The RIMS report emphasizes enterprise risk management’s (ERM) ability to steer risk professionals through the challenging task of determining what information should be presented to decision-makers and how it should be communicated.

Author: Julie Cain and David J. Young

Date: August 8, 2018

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Enterprise Risk Management's Wake Up Call: 10 Years After

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This RIMS report chronicles the diffusion and evolution of enterprise risk management (ERM), identifies new challenges for risk professionals to deliver solutions that create and protect value, and offers recommendations for integrating ERM in today's sophisticated business environment.

Author: Carol Fox

Date: June 14, 2018

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Weathering the Storm: Ensuring Business Resilience for Natural Disasters

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This white paper helps readers gain a clearer view of the business risks caused by natural hazards and the routes your business may take to face the challenge.

Author: Global Risk Consultants

Date: May 1, 2018

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Ties that Bind: Business Continuity Management, Resilience and Geopolitical Risk

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The report highlights the value of a proactive business continuity management system and its ability to support risk management professionals' capacity to address emerging risks including geopolitical risks.

Author: Elsa Goutveniger

Date: December 5, 2017

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An Evolving Model for Board Risk Governance: Revisited

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Five years since the original RIMS Executive Report, this revised version looks at the 30 companies that comprise the Dow Jones Industrial average and examines trends in risk governance and how those organizations are now advising their investors about the board's involvement in risk oversight and key actions to enhance enterprise-wide risk management governance.

Author: John Bugalla, Kristina Narvaez

Date: October 26, 2017

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RIMS Report: Terrorism Insurance: Understanding the Boundaries of Coverage for a Risk Without Borders

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This professional report outlines insurance options and risk management solutions to better prepare organizations for the impact of a terrorist attack, as well as insight on negotiating coverage.

Author: Michah Skidmore

Date: October 10, 2017


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RIMS Report: A Common Knowledge: Aligning Third-Party Contracts with Insurance Policies

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This professional report defines key insurance terms that should be understood by contract reviewers, as well as common contract clauses that impact the validity of both the contract and insurance policies. Among the topics reviewed in the report are indemnification clauses, waivers of subrogation, excess and umbrella coverage, among others.

Author: Brenda Tappen

Date: September 28, 2017


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The Top 8 Legal Developments You Need to Know About In 2017

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Recognizing the impact legal development can have on an organization's insurance program, RIMS' new Professional Report "The Top 8 Legal Development You Need to Know About in 2017" explores key insurance-related decisions in the United States.

Author: Mark J. Plummer, Xandra Bernardo, Patrick Walker

Date: September 20, 2017


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2017 RIMS Cyber Survey

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Cyber risks remain a top priority for risk management professionals around the world. The survey explores the value and effectiveness of cyber insurance, featuring insight from 288 practitioners from a wide-range of industries.

Author: RIMS

Date: August 24, 2017


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Cyber Protection: What to do Before and After a Cyber Incident

RIMS new Professional Report, "Cyber Protection: What to Do Before and After a Cyber Incident" walks risk professionals through the precautionary steps and post-incident responses critical effectively managing a data breach. The report highlights the importance of understanding business strategy and susceptible assets, employee training, cyber insurance, and developing collaborative relationships with internal stakeholders and external partners.

Author: RIMS External Affairs Cyber Security Task Force

Date: June 28, 2017


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Creating a Safety Culture: Moving from Policies to Habits

RIMS new White Paper, Creating a Safety Culture: Moving from Policies to Habits, explores how an organizational culture of safety, where drivers and leadership are invested in success, can be the best complement to monitoring technology.

Author: SambaSafety

Date: June 8, 2017


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Cyber Insurance: Considerations for Businesses

RIMS new Professional Report, Cyber Insurance: Considerations for Businesses, explores the potential for traditional policies to cover cyber events as well as first-party coverages, third-party coverages, and additional needs. Additionally, the report provides a series of potential cyber insurance nuances that risk professionals must consider.

Author: Teri Cotton Santos

Date: March 23, 2017


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A Revolution in Risk Management

RIMS new White Paper, A Revolution in Risk Management, enables risk professionals to learn how real-time big data and machine learning are enabling transformative new capabilities for risk detection, mapping, visibility, and fast response.

Author: Transvoyant

Date: March 20, 2017


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A Risk Management Guide to Reservation of Rights

RIMS new Professional Report A Risk Manager's Guide to Reservation of Rights guides risk professionals in understanding the potential implications that reservations of rights letters pose.

Author: RIMS Standards and Practices Council

Date: February 9, 2017


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Improving Strategic Risk Management Using Macro Risk Analysis

RIMS new Professional Report Improving Strategic Risk Management Using Macro Risk Analysis defines the macro risk analysis process and its ability to help organizations better understand economic trends.

Author: Jim Presmanes

Date: October 25, 2016


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Bridging Strategy and Implementation with Strategic Risk Management

RIMS has released a new Executive Report, "Bridging Strategy and Implementation with Strategic Risk Management." The report explores best practices for understanding strategy and enhancing its implementation and performance.

Author: Monica Merrifield

Date: October 24, 2016


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2016 RIMS Cyber Survey


The second annual RIMS Cyber Survey allows practitioners to benchmark the management of cyber exposures. Survey questions review the transfer of cyber exposures, cyber insurance policies, organizations’ and risk professionals’ cyber coverage spend, as well as their opinion on government involvement.

Author: Josh Salter

Date: October 10, 2016


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Risk Management's Role in Mergers & Acquisitions

Risk practitioners' role in an M&A extends beyond uncovering financial savings. This report reviews the importance of understanding the strategy behind the deal, developing and maintaining productive relationships with stakeholders, effective processes for exchanging information and red flags.

Author: Josh Salter

Date: September 13, 2016

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RIMS Executive Report: Decoding Political Risk Management

This report provides a guide for risk professionals assessing their organization's political risk. It defines political risk and explores top concerns for organizations as they expand globally, the characteristics of these risks, mitigation strategies and the insurance market.

Author: Brandon Righi
Date: August 3, 2016

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    Steps to Successful Risk Taking: Developing Effective Risk Appetite and Tolerance Statements

    The RIMS Executive Report explores characteristics of a well-defined risk appetite statement and connecting such statements to strategy. It features real-world examples of various organizations' statements and the processes they used to implement them.

    Author: Frank Fiorille, Robert Gould, Linda Conrad, Grace Crickette, Carol Fox
    Date: April 5, 2016

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      RIMS Executive Report: the Risks and Opportunities of Doing Business in the Middle East

      The newly released RIMS report explores the importance for risk professionals to administer appropriate measures of due diligence prior to embarking on business ventures in the region including assessing financial exposures, corruption, and compliance issues, cultural differences, and strategic partnerships.
      Author: Russ Banham
      Date: February 22, 2016

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      Risk Taker vs. Risk Manager

      The report explores goals, responsibilities and the value of collaboration between those charged with pursuing new opportunities and risk professionals. Best practices from leading organizations offer strategies for risk pros to develop relationships with both strategic and operational stakeholders.
      Author: Jessica Wasserman
      Date: June 6. 2016

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      Name/Location Date

      Enterprise Risk Management (MA)

      Boston, MA
      April 26 - 28, 2019 Register Online

      Mastering Intelligence Risk Management Techniques (MA)

      Boston, MA
      April 27 - 28, 2019 Register Online

      RIMS-CRMP Prep Workshop (MA)

      Boston, MA
      April 27 - 28, 2019 Register Online

      Contractual Risk Transfer (MA)

      Boston, MA
      April 27 - 28, 2019 Register Online

      Applying Enterprise Risk Management Theory (MA)

      Boston, MA
      May 2 - 3, 2019 Register Online

      RIMS-CRMP-FED (VA)

      Arlington, VA
      June 3 - 5, 2019 Register Online

      RIMS-CRMP Prep Workshop (ON)

      Toronto, ON
      June 10 - 11, 2019 Register Online

      Mastering Intelligence Risk Management Techniques (CA)

      San Diego, CA
      June 17 - 18, 2019 Register Online

      Enterprise Risk Management (OR)

      Portland, OR
      June 24 - 26, 2019 Register Online

      Claims Management (GA)

      Atlanta, GA
      June 27 - 28, 2019 Register Online

      Workers' Compensation Management (NY)

      New York, NY
      July 15 - 16, 2019 Register Online

      Enterprise Risk Management (ON)

      Toronto, ON
      July 17 - 19, 2019 Register Online

      Enterprise Risk Management (CA)

      San Francisco, CA
      August 7 - 9, 2019 Register Online

      Business Continuity Management: Building and Protecting a Resilient Enterprise (TN)

      Nashville, TN
      August 19 - 20, 2019 Register Online

      Contractual Risk Transfer (VA)

      Arlington, VA
      September 12 - 13, 2019 Register Online

      Enterprise Risk Management (AB)

      Edmonton, AB
      September 12 - 14, 2019 Register Online

      Fundamentals of Insurance (FL)

      Orlando, FL
      September 19 - 20, 2019 Register Online

      Applying Enterprise Risk Management Theory (TX)

      Houston, TX
      September 19 - 20, 2019 Register Online

      Claims Management (NY)

      New York, NY
      October 3 - 4, 2019 Register Online

      RIMS-CRMP Prep Workshop (IL)

      Chicago, IL
      October 10 - 11, 2019 Register Online

      Enterprise Risk Management (CA)

      Los Angeles, CA
      October 21 - 23, 2019 Register Online

      Applying Enterprise Risk Management Theory (WA)

      Bellevue, WA
      October 24 - 25, 2019 Register Online

      RIMS-CRMP Prep Workshop (LA)

      New Orleans, LA
      November 6 - 7, 2019 Register Online

      Enterprise Risk Management (NY)

      New York, NY
      November 13 - 15, 2019 Register Online

      Fundamentals of Insurance (TN)

      Nashville, TN
      November 14 - 15, 2019 Register Online

      Workers' Compensation Management (GA)

      Atlanta, GA
      December 5 - 6, 2019 Register Online

      Enterprise Risk Management (TX)

      Houston, TX
      December 9 - 11, 2019 Register Online

      Fundamentals of Insurance (NY)

      New York, NY
      December 9 - 10, 2019 Register Online

      Mastering Intelligence Risk Management Techniques (NY)

      New York, NY
      December 12 - 13, 2019 Register Online
      • According to a new Occupational Safety and Health Administration (OSHA) report, negligence from almost every party involved led to last years collapse of a pedestrian bridge at Miamis Florida International University, killing 6 and permanently disabling one other. The pedestrian bridge Continue reading
      • The World Health Organization (WHO) has officially recognized workplace burnout as an occupational phenomenon in the latest version of its “International Classification of Diseases” (ICD). This official designation indicates how serious workplace burnout and stress are as an impediment to Continue reading
      • In the final, contentious season of HBO’s fantasy epic “Game of Thrones,” two powerful queens face off in a battle for control over the entire known world. Meanwhile, other formidable female characters outmaneuver their rivals to command entire kingdoms and Continue reading
      • A new study conducted by Texas AM University at Galveston and the Texas General Land Office examines the 50-year impact of a major storm hitting Galveston Bay on the Texas coast near Houston, including secondary effects to the economy. The Continue reading
      1 to 20 of 35 events

      June 2019

      When:  Jun 19, 2019 from 9:30 AM to 1:30 PM (ET)
      Where:   Meadowlands Environment Center, 3 DeKorte Park Plaza, Lyndhurst, NJ, 07071, US
      Community:   New Jersey
      When:  Jun 19, 2019 from 11:30 AM to 1:00 PM (PT)
      Where:   Saltchuk, 450 Alaskan Way South, 9th Floor Conference Room, Seattle, WA, 98104, US
      Community:   Washington
      When:  Jun 19, 2019 from 11:30 AM to 1:30 PM (ET)
      Where:   Sheraton Suites Ft. Lauderdale Cypress Creek, 555 NW 62nd Street, Cypress Creek Road west of I-95, Fort Lauderdale, FL, 33309, US
      Community:   Broward County
      Event Image
      Starts:  Jun 20, 2019 8:00 AM (AT)
      Ends:  Jun 21, 2019 5:00 PM (AT)
      Where:   Stanley Bridge Resort PEI, PO Box 8203, Kensington, PE, CA
      Community:   Maritime
      When:  Jun 20, 2019 from 11:00 AM to 1:30 PM (PT)
      Where:   Autodesk Gallery, One Market Street, San Francisco, CA, 94105, US
      Community:   Golden Gate
      Event Image
      When:  Jun 20, 2019 from 11:30 AM to 1:00 PM (ET)
      Where:   Dubsdread Country Club, 549 W Par Street, Orlando, FL, 32804, US
      Community:   Central Florida
      When:  Jun 20, 2019 from 11:30 AM to 8:00 PM (ET)
      Where:   Nissequogue Golf Club, 21 Golf Club Road, St. James, NY, 11780, US
      Community:   Long Island
      Event Image
      When:  Jun 27, 2019
      When:  Jun 27, 2019 from 12:00 PM to 1:00 PM (PT)
      Where:   Enduris Training Center, 1610 S Technology Blvd., Suite 100, Spokane, WA, 99224, US
      Community:   Spokane

      July 2019

      When:  Jul 17, 2019
      Starts:  Jul 30, 2019 12:00 AM (ET)
      Ends:  Aug 3, 2019 12:00 AM (ET)
      Where:   Ritz-Carlton Hotel and Golf Resort, 280 Vanderbilt Beach Road, Naples, FL, 34108, US
      Community:   Broward County
      Event Image
      Starts:  Jul 30, 2019 7:59 AM (ET)
      Ends:  Aug 4, 2019 7:59 AM (ET)
      Community:   Northeast Florida
      When:  Jul 31, 2019 from 11:30 AM to 3:00 PM (MT)
      Where:   Coors Field, 2001 Blake Street, Denver, CO, 80205, US
      Community:   Rocky Mountain
      When:  Jul 31, 2019 from 5:00 PM to 8:00 PM (ET)
      Where:   Clyde's at Gallery Place, 707 7th street NW, Washington, DC, 20001, US
      Community:   Potomac
      Event Image

      September 2019

      When:  Sep 6, 2019 from 11:00 AM to 1:00 PM (CT)
      Where:   Texas Association of Counties, 1210 San Antonio St, Austin, TX, 78701, US
      Community:   Central Texas
      Starts:  Sep 8, 2019 4:30 PM (PT)
      Ends:  Sep 11, 2019 1:30 PM (PT)
      Community:   British Columbia
      When:  Sep 11, 2019 from 11:30 AM to 2:00 PM (ET)
      Where:   Clyde's at Gallery Place, 707 7th street NW, 707 7th Street N.W., Washington, DC, 20001, US
      Community:   Potomac
      When:  Sep 12, 2019

      Chapter

      Discussion

       Website

       Officers 

       Alabama

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       Alaska

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       Arizona Central

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       Atlanta

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      Australasia

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      British Columbia

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       Broward County

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      Canadian Capital

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      Carolinas

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      Central Florida

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      Central Ohio

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      Central Oklahoma

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      Central Pennsylvania

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       Central Texas

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       Chesapeake

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       Chicago

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       Connecticut Valley

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       Cumberland

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       Dallas Fort Worth

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       Delaware Valley

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       Detroit

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       Eastern Oklahoma

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       Fairfield/Westchester

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       Golden Gate

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       Great Plains

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       Greater Kansas City

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       Greater Miami

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       Greater Quad Cities

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       Hawaii

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       Houston

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       Indiana

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       Iowa

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       Japan

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       Long Island

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       Los Angeles

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       Manitoba

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       Maritime

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       Massachusetts

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      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Memphis

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Mexico

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Mid-Illinois

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Minnesota

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Nevada

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       New Jersey

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       New York

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Newfoundland & Labrador

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Northeast Florida

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Northeast Ohio

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Northern Alberta

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Northern Nevada

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Ohio River Valley

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Ontario

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Orange County

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Oregon

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Ozarks Area

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Palm Beach

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Palmetto

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Piedmont

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Pittsburgh

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Potomac

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Quebec

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Rocky Mountain

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Sacramento Valley

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       San Diego

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Saskatchewan

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Silicon Valley

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       South Louisiana 

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       South Texas

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Southern Alberta

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Southwest Florida

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       St. Louis

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Tampa Bay

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Toledo

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Upstate New York

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Utah

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Virginia

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Washington

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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       Western Carolina

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

      Description: mage result for discussion icon

       Western Michigan

      Description: mage result for discussion icon

      Description: https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

      Description: mage result for discussion icon

       Wisconsin

      Description: mage result for discussion icon

      Description:  https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSvZhtS_aCCLUE68_75C2RTH1-HHXObyMuPRUikvwDDiBy-LqqIhg

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