Mindset behind the Operation and Monitoring

of the

Quarterly Expense System Tool PLUS

Franklyn Stone SPG

Presenter: Michael T. Bunyan

I remember one Sunday afternoon standing in a pool of my own sweat in Master Eddie’s Art Den Jujitsu system training class, tired Yet energized ready for the next painful yet VERY Needed and

helpful exercise.

Master Joseph paused, told us to close our eyes, and once all the heavy breathing in the room stopped he said

“GOD is a GOD of Order and Discipline”

The more that I thought about that statement the more profound it became in my thinking. In fact I thought about that all the way home.

GOD Is a GOD ofOrder and Discipline

Acts 24:16(Amplified Bible)Therefore I always exercise and discipline myself, mortifying my body, deadening my carnal affections, bodily appetites, and worldly desires, endeavoring in all respects to have a clear unshaken, blameless conscience, void of offense toward God and toward men.

Acts 24:16 -----Backs his statement up a 1000%(Amplified Bible)

Therefore I always exercise and discipline myself, mortifying my body, deadening my carnal affections, bodily appetites, and worldly desires, endeavoring in all respects to have a clear

unshaken, blameless conscience, void of offense toward God and toward men.

I submit to you today that we need to take this mindset and apply it to EVERY AREA of our life,Especially in the area of

QUESTION: Is there Order and Discipline in YOUR Financial Structure?

TERMS TO REMEMBER!**Know your Numbers**Control your Numbers**Teach your Children the same**

PersonalFinance

My name is Michael T. Bunyan Founder/CEO

I have invested 11 years in the Banking/Mortgage Industry; 9 of which was in a specialized line of business called Default Loan Servicing.

My professional history includes positions with such companies as

JPM Chase, GMAC Mortgage,

Quantum Servicing - Division of Clayton Holdings National Default Servicing LLC

I’ve worked with thousands of families facing foreclosure on their homes through Loan Modification processes such as HAMP (Home Affordable Modification Program) as well

as investor approved modification programs.

Franklyn Stone SPG

Part of the Loan Modification process is completing a

Monthly Expense Report

While reviewing and creating each families monthly expense reports a disturbing pattern in the mindset of these families emerged.

(((Confusion)))

These families had NO REAL idea as to how much they were

spending on monthly expenses or how to control these costs!

**Know your Numbers**Control your Numbers**Teach your Children the same**

This represents a typical listing of the average family's monthly

expenses.

Sadly many heads of family's that I have interviewed for the loan modifications process Didn't know how and Never took

control of their monthly expenses and failed their family's

• 1st Mortgage $1,500.00• 2nd Mortgage $500.00• Home Insurance $250.00• Auto Loan (1) $250.00• Auto Loan (2) $275.00• Auto Insurance $150.00• Cable Bill $100.00• Grocery's $650.00• Credit Card (1) $85.00• Credit Card (2) $70.00• Student Loan (1) $250.00• Student Loan (2) $185.00• Installment Loan (1) $140.00• Installment Loan (2) $125.00• Prescription Drugs $85.00• Church Tithes $100.00• Church Offerings $100.00• Miscellaneous (1) $50.00• Miscellaneous (2) $75.00Total Month Expenses $4,940.00

True Case Study # 1

I interviewed a family who was seriously past due on their mortgage payments and facing foreclosure. While questioning them on the expenses on their monthly expense report the husband and wife were very confused about the amounts. For example when I questioned how much they paid for Groceries they looked at each other puzzled then guessed and picked a number out of thin air ($250.00 )which was obviously wrong. They didn’t want to look confused in my office so they insisted that this was the correct monthly amount for groceries.

Family of 5 and a

energetic dog

Now before I tell you how the story ended for this family Lets dig a little deeper at some actual costs

Prices were obtained from Walmart's Website

Pampers HUGE BOX (168 in box) $37.94Wipes (Parent's Choice – 800 Sheets) $13.47Baby formula (Enfamil EnfaCare – 6 Pack) $49.32Dog Food (Purina Dog Chow – 50LBS) $22.98Sub Total $123.71Since these types of items go SUPER FAST lets multiply this amount by (BEST GUESS) 2 = $247.42

Anything wrong with this picture?The husband and wife insisted that their TOTAL grocery bill for the month was about $250.00.In fact because they didn’t know or have any control over their monthly expenses and guessed at these important amounts they were approved for the loan modification based on the incorrect numbers that they provided, then in 8 months time they were back in foreclosure again and eventually lost their home in Court Sheriff Sale and were evicted.

Implement and Master this process starting

TODAY

Your Family's Financial Survival depends on it!!

Know your Numbers

Control your Numbers

Teach your Children to do

the same

• Legal Size Envelope

(Write on this envelope the following)

(1) (ALL working family members Paystubs for this month(2) Bills(3) Receipts• Calculator • Computer with our FSTONE

Quarterly Expense System Tool open and ready for impute your expenses.

Now lets take a deep look at the Process, Tool and Mindset needed

to operate the FSTONE Quarter Expense System

The Quarterly Expense Monitoring System Tool contains 5 component sections:

Section (1) Monthly Church Tithes, Offerings & Sacrificial

Giving Calculator

Section (2)(a) Calculates the sums of total monthly net income (b) Calculates the sums of

all household monthly expenses. (c) Calculates

total net income earnings after monthly expenses +

or -. Section (3) calculates the sum of

all outstanding installment loan

balances

Section (4) Business Section

Calculates sum of all business items needed to be purchased, rented or

leased.

Section (5)Business SectionProjects Income

Analysis/Projector

Dinner Table Attendees (Every Family member no matter how Young or Old)

No excuses Will explain why in detail towards the end of the

presentation

Now lets take a detailed look at Section (1) Tithes CalculatorGenesis 14:20 (Amplified Bible)

20 And blessed, praised, and glorified be God Most High, Who has given your foes into your hand! And [Abram] gave him a tenth of all he had taken.

GOD helped Abram and his trained servants, defeated a great enemy, rescued Lot and took all the wealth from that victory home with them.

Isn’t our GOD AWESOME?

Question?

What do you think the first thing Abram did when he arrived home with all that wealth?

DID HE…Go Grocery ShoppingFirst ??

Pay His BillsFirst??

Buy Lumber & Building supplies like the Rich Fool in Luke 12:13-21Wanted to do??

((NO))So why is it that many people

handle their income in the this manner.

Abrams focus was always on GOD FIRST even with his income.

Where's YOUR FOCUS regarding your income?

About 90% of all the families whom I’ve interviewed and helped to create the Monthly Expense Reports for their Loan Modification applications,

when asked the question ((How much they give to their church organization in tithes and offerings))

The answer is disturbingly always the same …

They give what they can when they can

Not involving GOD in your money FIRST is a BIG MISTAKE

This is why when I was lead to create the FSTONE Quarterly Expense System Tool I put the Tithes Calculations Section FIRST

Lets Begin

Now that we have established the reason behind calculating tithes first, lets proceed to entering numbers into the system. Take the GROSS amount listed on your paystub and enter it in the right

hand column then press enter

Example Week one$500.00

System calculated 10% of your GROSS amount for you

$50.00Example Week Two

$500.00System calculated 10% of your GROSS

amount for you$50.00

Example Week Three$500.00

System calculated 10% of your GROSS amount for you

$50.00

Example Week Four$500.00

System calculated 10% of your GROSS amount for you

$50.00

$2,000.00 $200.00

The system calculated your total tithes for the month at $200.00 which you will then enter into Section #2 as part of your total months expenses.

Now let move on to Section # 2

As stated earlier Section # 2 is broken up

into 3 sections

(A) Calculates the sums of total monthly net income from each working family member.

(B) Calculates the sums of all household monthly expenses. Here we will be spending time on column (J) which if you were consistent in entering the amounts on a monthly basis as directed you will see how much you've spent on each of the items listed in column (E) and review cost saving options. (VERY IMPORTANT)

(C) Calculates total net income earnings after monthly expenses + or - .

Personal Income / Expenses

Month 1 Month 2 Month 3 Month 4 End of Quarter totals

Husbands Total Monthly (NET) INCOME from Paystubs

$2,000.00 $2,000.00 $2,000.00 $2,000.00 $8,000.00

Wife's Total Monthly (NET) INCOME from Paystubs

$1500.00 $1500.00 $1500.00 $1500.00 $6,000.00

Working Children's Total Monthly Financial Contributions to household

$500.00 $500.00 $500.00 $500.00 $2,000.00

Sub Total $4,000.00 $4,000.00 $4,000.00 $4,000.00 $16,000.00

Section # 2 (A)

Keeping ALL family members focused on the household financial big picture on a monthly bases is the first key to survival which is why all family members MUST BE at the kitchen table with Bills, Receipts, Paystubs ETC as indicated earlier order to diligently continue the attack strategy as you will see in (B) Section #2.

Always consider options that will help you increase your monthly earnings Never choose to stay where your are financially!!

Multiple Streams of income should always be top of mind

Section # 2 (B)Expenses Month 1 Month 2 Month 3 Month 4 End of Quarter Totals

Column (J)

Church Tithes $200.00 $200.00 $200.00 $200.00 $800.00

Church Offerings $50.00 $50.00 $50.00 $50.00 $200.00

Mortgage/Rent $1,000.00 $1,000.00 $1,000.00 $1,000.00 $,4000.00

Food/Groceries $500.00 $650.00 $550.00 $500.00 $2,200.00

Medical (Monthly Prescription Drug Costs)

$95.00 $105.00 $105.00 $110.00 $415.00

Cable $185.00 $185.00 $185.00 $185.00 $740.00

Cell Phone (S) $190.00 $190.00 $190.00 $190.00 $760.00

Credit Cards $100.00 $150.00 $150.00 $150.00 $550.00

Student Loans $200.00 $200.00 $200.00 $200.00 $800.00

Instalment Loans $125.00 $125.00 $125.00 $125.00 $500.00

Totals $2,645.00 $2,855.00 $2,755.00 $2,710.00 $10,965.00

This small example of what the actual Quarterly Expense System Tool was created to challenge your thinking in some key areas that we are about to discuss. We call it

“Trimming the FAT”. Remember it’s about Knowing your Numbers – Controlling your Numbers – Teach your children to do the same.

When you build your own numbers into the fields on the Quarterly Expense system Tool question yourself and your family members at the kitchen table as to what

expenses are out of whack and what can be don’t to fix them!

The entered amounts in this example where based on average costs stated by the many heads of family’s that I have interviewed while creating their monthly expense reports

for their Loan Modification Packages for Underwriting.

In this example where would you start considering “Trimming the Fat” in the End of Quarter Totals in Column (F) ?

We’ve given you some hints in RED

One item that stands out for and is a real hot button for me is Medical (Monthly Prescription Drug Costs)which in this example is $415.00 per quarter or $1,660.00

annually. This is a low conservative amount. Costs in this category are usually higher.

It always alarmed me to hear the amounts people were paying monthly for Prescription Drugs for issues related to High Cholesterol, Blood Pressure and the like when everyday more scientific studies are published proving that Diet, Exercise and Living a Quality Lifestyle significantly reduce these counts to a safe healthy number and is also COST EFFECTIVE on your monthly, quarterly and annual budget.

Another alarming hot button that really used to drive me nuts to hear heads of family's tell me were the ever increasing amounts that they were spending on Cable and Cell Phone Bills. The New York Times has an awesome online article with video presentation which I encourage all of you to listen to and read entitled “Cutting the High Cost of Digital Living” – Reduce your monthly digital bills dated (JULY 9, 2014) by Molly Wood.

Cable BillCell Phone Bill

The goal of this exercise is to take a deep look at your totals in column (J) after completing your Quarterly Expense System Tool then research and implement

Cost Cutting Solutions in ALL your expense categories NOW.

Getting the Picture here??

Home &

Family

Resource Center

You can find an awesome selection of downloadable eBooks Videos, software and more on Home and

Family related solution at the Home & Family

Resource Center.

Just go to www.franklynstone.com then click on the Quick Links (HERE) tab. When the side panel appears click on the Home/Family Resource Center button. There you will find these and other family expense and budget related solutions.

Family Budget Demystified More than 116 Pages Of Valuable Information

About Everything You Want To Know About Family Budget Planning.

Controlling College DebtsWays On How To Cut On Tuition Fees and

Other College Expenses and so much MORE

The Debt Beater System"Learn How You Can End the Fear and Worry Created by Bad Credit and Debt Collectors...

Get Out of Debt Quickly and Easily, Right Now!

These are just three of the many must have materials we here at Franklyn Stone offer and we are always adding new ones every month. Email me at

michael.bunyan@franklynstone.com and get alerts and our newsletters via email

In an ongoing attempt to find a solid solution to the high costs and Cable bills the research division here at Franklyn Stone SPG has found one that we are really excited about that is

under $400.00 Once and DONE

Just go to www.franklynstone.com , click on the Quick Links (HERE) tab then select the Home/Family Resource Center button. There you will see a button at the bottom of that

page labeled Eliminate Cable TV expenses with V Stream & UBOX Video Centers and read all about these units and other Cost Effective Cable, Phone and Internet

Solutions - You'll thank us

Project # 1 Eliminate Cable TV expenses with V Stream or UBOX Video Centers

When you look at what you’ve spent per quarter in column F of the Franklyn Stone Quarterly Expense Monitoring system for

Cable TV it rapidly becomes crystal clear that a trimming cable costs solution is desperately

needed.

Cost Effective Cable, Phone and Internet Solutions

Now lets take a look at Sub Section (C)

Total Expenses $8,500.00 $7,500.00 $7,000.00 $6,500.00 $29,500.00

Net Income (+) or ( -)

-$1,500.00 -$500.00 $0 +$500.00 -$500.00

If you and your family collectively have been diligent in keeping up with entering your numbers in the Quarterly Expense System Tool as instructed sub-section (C) is a great tool to see whether the handling of your income verses expenses is keeping you in the BLACK or RED.

If you’re in the BLACK great BUT DON’T STOP THERE. Keep looking for ways to trim more fat from your expenses while creating and building more income.

If you’re in the RED then all hands on deck, trimming the fat from your expenses is critical and all family members need to be battle ready mode to fix this NOW.

Know your Numbers – Control your Numbers Teach your Children to do the same

End of Quarter Totals

Sub Section # 2 (C)

Let’s briefly explore another vital item listed on this Expense Tool that in many cases the heads of family’s foolishly overlook and when income is tight.

Franklyn Stone SPG Mission StatementStrategic Action Projects for the

“What Ifs in Life

QUESTIONWhat are the “What Ifs in Life?

AnswerThey are events in one life that negatively impact your income

Many of the “What ifs in Life” that arise can be resolved by purchasing

Specialized Tailored Insurance products

Call 1(855) YES- STONE NOW!!

Not having adequate protection against the “What if in Life” is

Dangerous for YOU and most of all the Family that YOU are

responsible for.

FOX Business News online features an awesome report entitled (10 Everyday Grocery Items: Now and Then) which shows the price increase of 10 everyday grocery store items over a 30 year period.

Average Price for Bread last year

$1.41 (REALLY?? OK)

Average price for Bread 30 years

ago $0.53

QuestionWill the cash value of your insurance policy REALLY HELP YOU SURVIVE the inflationary times ahead?

The Insurance Policy Analysis & Education Division here at Franklyn Stone SPG is issuing a Challenge to all policy holders so that you can find out.

You owe it to yourself and the family that you are responsible for to find out.

Proverbs 10:4New King James Version (NKJV)4 He who has a slack hand becomes poor, but the hand of the diligent makes rich.

Proverbs 27:23New King James Version (NKJV)

23 Be diligent to know the state of your flocks, and attend to your

herds;

Now lets move on to Section #3

Now lets take a look at Section #3Installment Loan Name/Type Installment Loan Account

Number / Contact InfoInstallment Loan Current

Balance

Auto Loan ABC Financial (Account # 70141A)100 AutoPay Lane

Stamford GA (213)447-1234

$23,500.00

Mortgage EFG Mortgage Group (Account# 451)1600 Debit Ave

Kansas City KA 10477

$125,000.00

Credit Card HIJ MasterCard Corp(Account# 6127168)

18 Billpay LaneBrooklyn NY 10666

$3,000.00

Student Loan FedDebt Corp(Account# 3525581)671 Evilwood Street

Washington DC 60071

$35,000.00

Total Balances for all Instalment Loans $186,500.00

One area of urgency that requires a heighted awareness of Order, Disciple and Focused Diligence is the Targeting and Elimination ALL of your debts.

This should always be top of mind BUT you first need to know how much you owe then formulate and attack plan to eliminate them.

Hmmmm $186,500.00I don’t know how you first felt when you completed Section # 3 and saw the Total Balance due your Instalment Loans but when I completed one for myself my final number humbled to the point of tears because I created this nightmare situation in the first place. After picking myself up off of the floor I made it my goal to get my mindset right and ask GOD to help me create a battle plan to attack this mountain of debt that I created.

Whenever I’m faced with a situation that is beyond my control the first thing I do is go to the Word of GOD and get scriptures to stand on THEN TAKE ACTION on what I am directed to do from the Holy Spirit.

Belief that GOD can lead you to victory in defeating your mountain (whatever that mountain may be) is a mindset that, if you don’t already have it, must be obtained TODAY.

• GOD loves you and has BIG plans for you which is why you need to raise your mindset level to take on the BIG task of goal reaching head on.

• You must believe that GOD is bigger than whatever your problem is and that HE can direct you to victory over it. The problem is many people think small and that their mountain is too big for GOD to direct them to handle which is why ACTION is very rarely taken.

A famous TV Minister ask the following question which is very thought provoking and a good indicator of where your mindset is

Be honest with your answer!

If GOD walked up to you and told you that he wanted to give you a Golf Club, what would be the first thing that would come to your mind?

And again BE HONEST WITH YOUR FIRST ANSWER

Golf Club?

Option # 1

Or

Golf Club?

Option # 2

If your first answer was Option # 1 Then change your mindset and start thinking Bigger TODAY because that’s how GOD thinks about you.

Isaiah 55:8-9New King James Version (NKJV)

8 “For My thoughts are not your thoughts, Nor are your ways My ways,” says the Lord. 9 “For as the heavens are higher than the earth, So are My ways higher than your ways, And My thoughts than your thoughts.

Jeremiah 29:11New International Version

For I know the plans I have for you," declares the LORD, "plans to prosper you and not to harm you, plans to give you hope and a future

GOD sees the total balances for

ALL your debts EliminatedPaid in Full

DONE (DONT YOU?)

Now let’s talk a bit about Taking Action

Whatever GOD tells you to do regarding elimination of your debts

((Diligently do it.))And never stop until your mission is completed

Remember the story of Elisha and the Widow’s Oil in 2 Kings 4:1-44? Especially the part where Elisha told her to

(Go around and borrow vessels from all your neighbors, empty vessels—and not a few)

What if she allowed Fear or Procrastination to set in and didn’t diligently do it?The creditor would have taken her two sons away as slaves

Lets look at 2 case studies

Case Study # 2 (Fear) Case Study # 3 (Procrastination)

ME

Case Study # 2 (Fear) AnnieGOD blessed Annie with the awesome talent and gift for cooking Grade A Chef Quality meals for family functions. ALL would tell her how fantastic her meals pastries ETC. Watching her prepare for these special meals was a real experience to watch; all burners blazing and stoves cooking, and mixers mixing at the same time and really keeping in sync with it all; ME and can barely boil an egg LOL.

She told me once that she felt like GOD was leading her to start a Catering business but she was afraid to get started. She was behind on many of her bills and was in the process of losing one of her homes.

I offered to help her build a menu list and structure a startup plan of attack to get started but she always had an excuse as to why she wasn’t ready. A year went by and she lost that property she owned and was still behind with other creditors then decided to give up and file bankruptcy. When last I heard from her she had lost the home that she was living in also and was living down south with her daughter.

Imagine what would have happened if she diligently followed GODS instructions and

completed her mission.

Case Study # 3 (Procrastination) METhe business concept behind the creation of Franklyn Stone SPG and The OBADIAH Gallery were business concepts that GOD told me to build, develop and complete many years ago. The development of these projects were always ½ to ¾ the way finished but left in the many computers that I owned through those years. Every time GOD blessed me with an additional idea to enhance the project I would say “That’s a great Idea LORD”; write it down then type it onto a Word doc then save it in a file in MY Documents and left it there NEVER FOLLOWING UP AND COMPLETING IT!!.

GOD allowed me to enjoy the experience of working with large mortgage banking institutions for the past 11 years helping families facing losing their homes in Foreclosure, till suddenly JPM Chase decided to centralize that operation to Texas and close the 85 offices operating across the United States letting myself and over 400 employees go. They asked me if I was interested in relocating out there but I declined thinking that I would just find another like business opportunity closer to home. After months of searching no REAL opportunity came my way. Confused and Frustrated almost to the point of tears.

I spoke with my Pastor (Pastor Giles). We prayed together then he looked at me and said Acknowledge GOD in all your ways and HE will direct your path (Proverbs 3:6). If ever I need a WORD from GOD it was then and as GODS Word always does it reshaped my thinking. The next morning I powered up my computer ready to start looking for work and guess what caught my eye right away. ** My many Word documents with all the business ideas that GOD told me to build develop and COMPLETE years ago. I allowed procrastination and life events detour me from completing this mission **NOT THIS TIME**.

Franklyn Stone SPG was finally completed and The OBADIAH Gallery is in the final stages of completion and will be launched later this year. We ALL have gift and talents that we can use for whatever GOD tells us to use them for to be a blessing to him and man. Whether it is business or

not **When GOD tells you to do something DO IT NOW and don’t let fear, procrastination or anything get in your way EVER..

Word of GOD Driven custom selectionswww.theobadiahgallery.com

Franklyn Stone SPG

Strategic Action Projects for the “What If’s” in Life

www.franklynstone.com

The OBADIAH Gallery

The rewards are only there for those who press towards the mark

Have a business Idea?

Proverbs 16:3Amplified Bible (AMP

3 Roll your works upon the Lord, commit and trust them wholly to Him; He will cause your thoughts to become agreeable to His will,

and so shall your plans be established and succeed.

Sections # 4 of the Patented Quarterly Expense Monitoring System Tool Pertinent data regarding startup Business items (Equipment - Supplies - ETC) and Section # 5 is a Projects Income Analysis/Projector

If GOD has put a business idea in your spirit to birth than lets get together (855) YES-STONE or email me at michael.bunyan@franklynstone.com and lets review following materials offered here at Franklyn Stone SPG to use in conjunction with Section # 4 and # 5 of our Patented Quarterly Expense Monitoring System Tool. (1) Go to www.franklynstone.com(2) Click on the Quick Links (HERE) tab(3a) Click on Business Funding Resources PLUS (Start-Up Funding, Credit Lines, SBA Loans, Revenue Based Loans, Equipment Finance, Business Directed Retirement Accounts, BizPayPro, Crowdfunding, FREE Consultation, Expert Advice and MORE) Use Investor *FS-FSA*(3b)Click on Business Growth Tools where you will find the needed Business Txt articles eBooks and MORE for immediate download and use like these.

Business Plan SUPER Pack 23 highly informative articles of a huge variety of

highly requested business plans projects:

Super Pack Two SpecialAwesome power packed must have articles of

information on Starting a Small business – Stress – Nutrition – Facebook – Twitter – EBay and MORE

We’ve talked about • Knowing your Numbers• Controlling your numbers,• we’ve even talked about the Diligent Mindset needed to get results, now

it’s time to talk about the final and extremely important part of the lecture, • Teaching your Children to do the Same

Proverbs 22:6King James Version (KJV)6 Train up a child in the way he should go: and when he is old, he will not depart from it.

Teaching your children to do the sameTwo things will happen when you don’t teach your children this or any

solid money management system• (1) When they run into financial problems and need money to bail them out

who do you think that they will come to too borrower money ?

• (2) Something far worse than this is brewing in the horizon if you foolishly decide not to your children this or any solid money management system

Next Page >>>>>>>>>>

YOUYOUYOU

Debtors Prison

• The prison system is the fastest growing industry in America today.

• Debtor’s prisons are in 27 states in the USA (Only 50 states in the USA right?)

• Most of the prison systems in America are run by corporations not state of government entities.

• Sooner or later it won’t be just for fines and city or state unpaid violations. Soon it will be any type of unpaid outstanding debt. The corporations that operated these systems will in time make it so.

Generational Debt CurseIt’s not a matter of IF but WHEN the powers in high places finally get their way In Supreme Court and then ALL types of Debt will fall under this demonic system and if you don’t take the time to TRAIN your children as I described earlier in the presentation on how to manage their finances “Knowing your Numbers and Controlling your Numbers YOU are passing on a Generation Debt Curse to them because they will not know to teach their children (Your Grandchildren) to do the same.

This may not affect us as seniors YET but certainly our Children and definitely our Grandchildren.

My advise to you is to get your children away from those video games and at the kitchen table with you once or even twice every month, discuss

and complete the Quarterly Expense Process

No matter how much they Fight and Cry

***************because one day when

the become adults

They WILLThank you

for it GOD Bless