Miami Clinic Owners Arrested, Doctor Pleads Guilty

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Jun 2, 2014 ... Orlando, Tampa, Jacksonville and dedicated detectives in Ft Myers. .... Chiropractic Group / Gentle Care Rehab / Gonzalez Medical Center ...
June 2014 Volume 4 - Issue 12

“I am proud of our investigators for their commitment to keeping fraudsters off the streets and out of the pockets of hard-working Floridians. Every act of fraud drives up the cost of insurance and we refuse to allow those selfish acts to continue.” - CFO Jeff Atwater


Clinic Owner Arrest


PIP Fraud News


PIP Fraud Spotlight


Most Wanted


Statewide Arrests


Statewide Contacts

HEADER HERE Arrested, Miami Clinic Owners Doctor Pleads Guilty Last month, Chief Financial Officer Jeff Atwater announced the arrest of clinic owner Aurora Hernandez, 34. Hernandez, who operated Magic Hands Medical Services, was previously arrested in May 2013 and November 2013 for organizing three staged accidents. She was most recently charged with organizing another staged accident in September 2011, which resulted in more than $62,000 in fraudulent claims. Beginning in May 2013, the Division of Insurance Fraud (DIF) arrested 20 subjects as part of Operation No-Med Services. Those originally charged included a medical doctor, two clinic owners, five additional medical licensees, six staged accident organizers and six other subjects as part of an investigation involving four accident clinics in Miami-Dade County. With the cooperation of several subjects charged in the case, DIF identified the owners of three of the clinics involved. Investigation revealed that Ricardo Jimenez, 49, was the true owner of Magic Hands Medical Services and was a partner with Delvis Gonzalez, 31, in New Life Rehab Services. Jimenez was also the owner of record for Clarke Medical Services. All three clinics have since closed. The Miami-Dade State Attorney’s office issued warrants against Jimenez and Gonzalez, charging them with various counts of organized scheme to defraud, operating an unlicensed clinic, insurance fraud and grand theft. The charges included $309,247 in clinic billings for four staged accidents that occurred between August 2011 and September 2012. Gonzalez was arrested in February by Cape Coral Police; Jimenez remains a fugitive. “I am proud of our investigators for their commitment to keeping fraudsters off the streets and out of the pockets of hard-working Floridians,” said CFO Atwater. “Every act of fraud drives up the cost of insurance and we refuse to allow those selfish acts to continue.” DIF is actively seeking Ricardo Jimenez. Anyone who may have information on the whereabouts of Jimenez can call 800-378-0445 and may be eligible for a reward under the DFS Anti-Fraud Reward Program. Citizens who provide tips can remain anonymous. Jimenez was featured as the Most Wanted Criminal in February 2014’s issue of the PIP Source. Hugo Goldstraj, 67, the medical doctor who was arrested in May 2013 in conjuction with this case, pled guilty last month and agreed to surrender his medical license to the Florida Department of Health. This case is part of a continuing crackdown by CFO Atwater’s Division of Insurance Fraud and the National Insurance Crime Bureau (NICB) in the fight against auto insurance fraud in Florida. The insurance companies defrauded in these claims include Allstate, Geico, Imperial Fire & Casualty, Kingsway Amigo, State Farm and United Auto.

June 2014

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PIP FRAUD – In The News Six Arrested in Tallahassee Towing Company Fraud Case Chief Financial Officer Jeff Atwater announced that six employees of a Tallahassee towing company have been arrested for filing fraudulent insurance claims. The Department of Financial Services’ Division of Insurance Fraud and the Leon County Sheriff’s Office, in a joint investigation, discovered that Auto Doctor Towing Company employees filed fraudulent claims to eight different insurance companies. “I am proud of our investigators and the Leon County Sheriff’s Office for working together to shut down this illegal operation that’s responsible for defrauding insurance companies and consumers out of thousands of dollars,” said CFO Atwater. “Insurance fraud not only hurts businesses, it takes money from all Floridians through higher insurance costs.” The investigation revealed that the company’s manager, Anthony Ragsdale, established a scheme to enrich himself by double charging for his company’s services. Despite already being covered by AAA, Ragsdale’s customers were instructed to bill AAA and their automobile insurance company for towing and mileage charges. As a result of this deceptive practice, the towing company was paid twice for their services.

Florida CFO Jeff Atwater is Keynote Speaker for 44th Annual LAAIA Convention Florida's Chief Financial Officer Jeff Atwater was invited to serve as the keynote speaker for the 44th Latin American Association of Insurance Agencies (LAAIA) Annual Convention during the associations luncheon on Friday, August 1st. LAAIA is a strong advocate for strengthening legislation to fight insurance fraud. Their convention runs July 30 - August 2. The insurance trade fair is the largest of its kind in South Florida, with over 100 exhibitors. There are 16 professional development courses and 36 CE credits available at the event. Visit their website at

NICB Releases Updated Staged Accident Videos In cooperation with the Los Angeles Police Department (LAPD), the National Insurance Crime Bureau (NICB) has produced new high definition videos showing some of the most common methods of staging motor vehicle accidents to defraud insurance companies. “Staged or deliberately caused accidents continue to be a problem across the country,” said Joe Wehrle, NICB president and CEO. “We appreciate the opportunity to work with the LAPD to make the public aware of these schemes and to let them know what to look for.” Included in the videos are accidents scenarios known as curb drive down, four vehicles fraud, swoop and squat and left lane fraud. See the full story and links to videos at

WFTS ABC Action News Coverage in Tampa Bay - Staged Accidents Staged car accidents are an easy way for criminals to cash in without you even knowing you’re a victim. WFTS ABC Action News recently aired a story on staged accidents in the Hillsborough County area. "It takes money out of every one of our pockets,” said Hillsborough County Sheriff’s Office spokesman Larry McKinnon. “It affects every one of our insurance claims.” See the full story at

Coalition Against Insurance Fraud Releases New Public Service Videos The Coalition Against Insurance Fraud conservatively estimates that insurance fraud steals $80 billion a year. The Coalition has released an ad campaign warning consumers that insurance fraud is a crime. Watch all their videos at

The PIP Source


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PIP Victories

As we conclude our fourth year of publication, we would like to spotlight some of the successes of the fight against PIP fraud. Personal Injury Protection (PIP) fraud remains a problem in South Florida. However, PIP fraud increased dramatically in 2009-10, spreading throughout the state and continued to rise through the 2011-12 fiscal year. The Division of Insurance Fraud (DIF) responded by creating dedicated PIP squads in Miami, Broward, Palm Beach, Orlando, Tampa, Jacksonville and dedicated detectives in Ft Myers. As a result, there have been more than 1850 PIPrelated arrests statewide since CFO Jeff Atwater was elected. Arrest Types Published In The PIP Source Since July 2010 DIF made over 1,000 arrests for staged accidents, including nearly 300 staged accident organizers and recruiters. DIF arrested more than 80 clinic owners, 15 doctors and 35 chiropractors. DIF arrested nearly 200 clinic employees, half of which held a license issued by the Department of Health. DIF made 130 arrests related to what is called jump-ins, persons who were not actually involved in the accident, but later claimed to be and filed false claims. DIF arrested nearly 100 patients for their involvement in fraudulent claims, not related to staged accidents. DIF made 55 arrests in solicitation / patient brokering cases. DIF made more than 175 arrests involving fake insurance cards. PIP Fraud May Be On The Decline Since the 2012 HB119 legislation became effective in 2013, Florida has seen a decrease in PIP Fraud. The projected numbers show a potential 16% decrease in 2013-14 from 2011-12, the highest year for PIP fraud referrals. The new legislation, passed on the heels of the hard work of DIF and other agencies, has had an impact on reducing PIP fraud in Florida. This success is reflected in some of the following case highlights: 

The federal / state coordinated effort known as Operation Sledgehammer in Palm Beach County resulted in more than 100 arrests in a massive scheme involving staged accidents and PIP clinics associated with fraudulent billing in excess of $18 million. This unprecedented investigation by a task force comprised of the Division of Insurance Fraud, the Federal Bureau of Investigation, the Internal Revenue Service, the United States Attorney’s Office and the Palm Beach County State Attorney’s Office was the most successful and impactful case of its kind. Look for a more detailed review of this case in a future issue of the PIP Source.


Another successful operation by the Jacksonville DIF office involved several staged accident rings, which resulted in more than 100 arrests since 2012. One of the participants arrested was also indicted by the federal government for providing material support to terrorists.


Another important case involved the theft of a corporation identity in Miami. DIF arrested a man who hijacked the Florida corporate identity of a diagnostic center that had closed in 2009 and used it to fraudulently bill for more than $726,000 worth of diagnostic tests in 2011 that were never performed. DIF also obtained an arrest warrant on a second individual in a related scheme that resulted in nearly $900,000 in fraudulent billings by another corporation. The diagnostic center had closed in 2010 but the subject took over the corporation in 2011 and billed for services that never occurred.


In Orlando, a major case involved the theft of patient information data from a hospital. DIF arrested and convicted three subjects who illegally stole the sensitive information from more than 12,000 patients, that was used in a scheme to solicit patients to go to several clinics in Orlando.


In Tampa, DIF arrested three high profile clinic owners in separate cases, charging each with structuring (money laundering) involving a total of more than $1.5 million in clinic proceeds. Several other owners involved in the scheme remain at large. The Tampa area PIP problem, which exploded several years back, has declined dramatically. PIP Fraud Spotlight continues on page 4

June 2014


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PIP Victories


A major focus of enforcement remains targeting unlicensed clinics. DIF has arrested several clinic owners who operated unlicensed clinics, often using a DOH licensee as a straw owner. These clinics have filed millions of dollars in illegal billings while avoiding AHCA licensing requirements and oversight. One related case involved a man who was a fugitive from justice following a Medicaid fraud conviction, who opened and operated an unlicensed PIP clinic under a false identity.


One of the most important and impactful successes have been the arrests of fraud committing chiropractors statewide. DIF has arrested 35 chiropractors statewide since 2010, the significance of which is that many of these chiropractors are infamous in their long-time involvement in PIP fraud. Many of them were involved in dozens of different fraudulent clinics over the last 10-20 years, and their removal from the system has had a dramatic effect on PIP fraud. Many of these chiropractors were also involved as straw owners of clinics, concealing the true control of the clinic by criminals.


The largest group was taken down in Operation Sledgehammer, which included chiropractors Jennifer Adams, Aaron Freedlander, Hal Kreitman, Kenneth Karow, Lawrence Schechtman and Hermann Diehl, who held a total combined experience of more than 110 years in Florida. Another joint investigation with federal agencies brought down the long-time duo of Stephen Lovell and William Hall, who were licensed in Florida for a combined 47 years. The impact of the takedown of these chiropractors, who were involved in massive fraud over a long period of time, and who now are forever out of the business, cannot be underestimated.

Other Initiatives in the Fight Against PIP Fraud 

The Division of Insurance Fraud (DIF) and other entities (Florida Automobile Joint Underwriting Association (FAJUA) and the Florida Carpenters Union) provide financing for dedicated prosecutors throughout the state to handle insurance fraud cases. Most of them are focused on the prosecution of PIP fraud. Currently, there are 19 dedicated prosecutor positions in the state; in Miami-Dade, Broward, Palm Beach, Orange, Hillsborough, and Duval counties.


The close working relationship between DIF and other state agencies such as the Department of Health (DOH) and the Agency for Health Care Administration (AHCA) results in a significant impact on PIP fraud. The dedicated prosecutors work hand in hand with the agencies in the relinquishment or revocation of the licenses that these fraudsters have used to operate their schemes. Most licensees arrested by DIF surrender their licenses when the cases are prosecuted.


DIF works closely with the National Insurance Crime Bureau (NICB), and participates in their South Florida and Central Florida Major Medical Fraud Task Forces. This working relationship is important to the success of fighting PIP fraud, as it joins law enforcement and the insurance companies SIU members in an important information exchange.


In 2012, DIF partnered with the Florida Highway Patrol (FHP) to create a webpage to educate the public about staged crashes. You can check it out here -


The Insurance Consumer Advocate hosted two roundtable hearings on PIP fraud in Tallahassee, in 2010 and in 2011. You can review the results here -


DIF publishes a monthly newsletter, The PIP Source, which provides valuable information to the public and the industry about our efforts in fighting PIP fraud, including the names of persons who are arrested and charged with PIP-related offenses. Find it at -


Finally, we wish to remind our readers of the anti-fraud reward program. Anyone with information of suspected insurance fraud is asked to call 1-800-378-0445. Citizens who provide tips can remain anonymous. The Department of Financial Services to date has awarded nearly $350,000 as part of its Anti-Fraud Reward Program. The program rewards individuals up to $25,000 for information that directly leads to an arrest and conviction in an insurance fraud scheme. The fight against PIP fraud is a team effort that will continue. Congratulations to everyone for their contributions.

The PIP Source

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Most Wanted: Fugitive

Lazaro David Rodriguez aka Laz Rodriguez Hispanic Male, 59 years old 5’03”, Brown Eyes, Black Hair

Warrant Information: Warrant/Case #: 11-80106-CR-Marra(s)(s) Felony Warrant Charges: Conspiracy to commit mail fraud & mail fraud; Conspiracy to commit money laundering, and money laundering. Details: The Florida Department of Financial Services, Division of Insurance Fraud, DIF is attempting to locate Lazaro David Rodriguez in reference to an outstanding warrant. In May 2013, Rodriguez, a licensed chiropractor, was indicted by the U.S. Attorney’s Office as part of Operation Sledgehammer, a joint federal / state investigation into massive insurance fraud involving staged accidents and clinic fraud. Rodriguez has been linked to more than 30 clinics in Florida, from Miami to Ft Myers to Jacksonville. Rodriguez is believed to have fled to Spain. If you know where Rodriguez can be located, please contact the Division of Insurance Fraud at 1-800-378-0445. Check out the DFS Most Wanted at

IASIU and NICB Team-Up For Fraud Awareness The North Florida Chapter of IASIU, in partnership with NICB, have continued in their success to build Fraud Fighting Awareness in the Jacksonville area by having a billboard donated in support of the effort. This billboard is the latest activity in the effort to combat fraud and build public awareness. North Florida Chapter IASIU President Anthony Parker of Direct Insurance stated, “We are moving in the right direction in our efforts to build our relationships with our fraud fighting partners and build public awareness to the systemic issue that is insurance fraud.” The billboards can be found in three convenient Jacksonville locations: 1-95 and Airport Road; Beach Blvd and Southside; and I-10 and Cassatt Avenue.

June 2014

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Statewide PIP Arrests – May 2014 Each issue will provide a list of PIP arrests made by the offices throughout the State. Along with each defendant’s name and age, we will include: the type of scheme involved; the fraud dollar amount; clinic name(s); victim insurance company name(s); and the arresting office. If you need additional details on any of these arrests, please contact Capt. Smith. Lorenzo Anderson, 35 - fake ins card (Windhaven) T Chimere Monet Brown, 34 - fake ins card (Occidental Fire & Casualty) O Luke Jonathan Hoffman, 35 - jump-in - $20,000 - (Geico / Progressive) T Jorge Daniel Maisonet Monzon, 37 - staged acct 06/07/12 (passenger) $37,469 - One Touch Therapy Center (Direct General / Infinity / Titan) J Michael J Gentile, 57 - application fraud (Nationwide) T Mayra Serrano Vargas, 44 - staged acct 05/04/12 (driver) $19,749 - Gate Parkway Diagnostic Center / One Touch Therapy Center (Direct General / Geico / Progressive) J Raymond Adsel Figueroa Jimenez, 29 - jump-in 10/22/12 - $3,858 - Solar Injury Center (Farmers) T Alton Sherman Rogers, 49 - fake ins card (Occidental Fire & Casualty) O Gladis Flores, 27 - application fraud (Ocean Harbor) W Inocente Sesare Guimaray Santos, 47 - statement in support of jump-in - $21,055 - Florida Health Clinic / Oasis Medical Center (United Auto) M Dayami Perez Rodriguez, 39 - staged acct 06/14/12 (passenger) $55,599 - B & A Diagnostic / Doctors Professional Medical / Flores Chiropractic Group / Gentle Care Rehab / Gonzalez Medical Center / Psychologist Technology / Y & J Chiropractic Center (Geico / State Farm) M Shamika Denise Denson, 22 - fake ins card (Occidental Fire & Casualty) O Brittany Monique Davis, 27 - fake ins card (Occidental Fire & Casualty) O Riccardo Javon Shackelford, 31 - fake ins card (Occidental Fire & Casualty) O Santiago Enrique Prado-Torres, 26 - staged acct 05/04/12 (passenger) $19,749 - Gate Parkway Diagnostic Center / One Touch Therapy Center (Direct General / Geico / Progressive) J Mikea Shandreka Jackson, 24 - fake ins card (Occidental Fire & Casualty) O Delmar Vasquez Roblero, 28 - sale of fake ins card (Gainsco) W Jesus Curbelo Gonzalez, 44 - staged acct 04/21/12 (recruiter) $40,007 - Indian Rehabiltation Center (Direct General / Kemper / Peachtree) J Jesus Curbelo Gonzalez, 44 - staged acct 03/24/12 (recruiter / passenger) $33,820 - Crystal Rehabilitation / Gate Parkway Diagnostic Center / Indian Rehabilitation Center (Geico / Infinity / Ocean Harbor) J Floyd J Richards, 37 - PIP patient - $17,412 - Advanced Medical Associates (Geico) B Leonardo Fernandez, 34 - staged acct 11/03/10 (recruiter) $34,603 - South Florida Medical Health Company / V L Medical Center Corp (United Auto / Victoria) M Christopher Lionel Edgecombe, 23 - false statement in support of jump-in 11/03/11 - $16,505 - Premier Orthopedic & Neurosurgery / Progressive Rehabilitation / Stand UP MRI of Miami (United Auto) M Aurora Hernandez, 34 - clinic owner / staged acct 09/16/11 (recruiter) $62,758 - Clarke Medical Services / Emoge Medical Services / New Life Rehab Services (Geico / United Auto) M Jose Manuel Cardona, 39 - staged acct 08/08/12 (recruiter) - Indian Rehabilitation Center (Direct General / Progressive) J Alnisa Jackson-Malone, 27 - staged acct 05/04/11 (driver) $9,960 - Wellness Pain and Rehab (Gainsco) O Adelgeis Nunez, 35 - staged acct 01/30/13 (recruiter) $34,403 - Doctors Professional Medical Center / Psychologist Technology (Esurance / Windhaven) M Jason Scott Cole, 54 - unlicensed practice of law (Kingsway Amigo) M Yamilet Sanchez, 39 – staged acct 04/21/12 (passenger) $18,554 - Indian Rehabiltation Center (Direct General) J Code – B (Broward) F (Ft Myers) J (Jacksonville) M (Miami) O (Orlando) P (Pensacola) TL (Tallahassee) T (Tampa/St Pete) W (West Palm Beach)

The PIP Source

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Statewide PIP Arrests – May 2014 Each issue will provide a list of PIP arrests made by the offices throughout the State. Along with each defendant’s name and age, we will include: the type of scheme involved; the fraud dollar amount; clinic name(s); victim insurance company name(s); and the arresting office. If you need additional details on any of these arrests, please contact Capt. Smith. Elier Valdes Garcia, 33 - staged acct 09/16/11 (recruiter) $62,758 - Clarke Medical Services / Emoge Medical Services / New Life Rehab Services (Geico / United Auto) M Leila Jacqueline Lane, 24 - application fraud (Permanent General Assurance) J Myreon McLeo Malone, 32 – staged acct 05/04/11 (passenger) $9,960 - Wellness Pain and Rehab (Gainsco) O Alfredo Mulero-Baez, 52 - fake ins card (Ocean Harbor) F Oledeinis Diaz-Gonzalez, 37 - false statement in support of jump-in 10/09/12 - $11,643 - Atlantic Medical Alliance (Liberty Mutual) W Alvin Edward Blocker, 60 - application fraud (Farmers) P Armando Bernal, 31 – clinic owner / massage therapist - $45,514 - DAB Professional Care (Geico) M Charles Frank DeMeritt, 32 - application fraud (Esurance) T Angela Rose Bajorek, 35 – sale of fake ins card (Occidental Fire & Casualty) O Lakesha Marie Santos, 28 - fake ins card (Occidental Fire & Casualty) O Arrested in Jan 2013 Russell Daniel Dominick, 53 - chiropractor - $22,493 - Dominick Chiropractic Clinic (MetLife) P Arrested in April 2014 Erlinda Pena, 66 - application fraud (Windhaven) M Code – B (Broward) F (Ft Myers) J (Jacksonville) M (Miami) O (Orlando) P (Pensacola) TL (Tallahassee) T (Tampa/St Pete) W (West Palm Beach)

Hurricane Season Starts June 1 As we draw closer to the beginning of hurricane season on June 1, now is an important time to make sure that you are financially prepared should a natural disaster strike. Most Floridians are aware of the damage that storms can inflict and have taken steps to minimize a storm's physical impact. But financial preparedness is an often overlooked part of hurricane season preparation that can make recovering from a storm more manageable for you and your family. Insurance companies don't issue coverage when a hurricane lurks close to land, so do not wait until the last minute to insure your home. Make sure your policy covers the value of your home, as well as its contents, and that your policy number is easily accessible after a storm. And be sure that important financial information is stored in a safe and accessible place. Other financial tips to make your storm recovery more manageable include having cash on hand in case ATMs are out of service, having and using a credit card and keeping your receipts to document repair transactions. In anticipation of a storm, you should also make sure your bill payments are current to avoid potential late fees. Following a storm, be aware of the potential for scams that attempt to take advantage of storm victims. When hiring a contractor or working with a public adjuster, make sure that he or she is appropriately licensed. It is also important to research contractors to ensure they carry adequate insurance coverage and keep logs of all telephone conversations and copies of all documents signed. A little research and preparation can go a long way to protect you and your family from the many costly hardships that can come with a storm. My office is always available to assist consumers with their questions. Call my Consumer Helpline at 877-MY-FL-CFO (877-693-5236) for more information. Should a tropical storm or hurricane take aim at our state, we will activate a special consumer helpline, 800-22-STORM, to assist victims with insurance matters. For more disaster preparedness tips, as well as videos, brochures and other information resources, please visit our Division of Consumer Services' website. We must be vigilant before and throughout hurricane season. Jeff Atwater, Chief Financial Officer, State of Florida

June 2014

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Statewide PIP Contacts PANHANDLE REGION Counties: Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, Washington Pensacola Field Office - 850.453.7802 Capt. David LINDSAY Tallahassee Field Office - 850.413.3115 Lt. Ernie STOLL NORTH REGION Counties: Alachua, Baker, Bradford, Citrus, Clay, Columbia, Dixie, Duval, Flagler, Gilchrist, Hamilton, Levy, Marion, Nassau, Putnam, St. Johns, Sumter, Suwannee, Union Jacksonville Field Office - 904.798.5802 Capt. Brian McCOY Lt. Kevin JONES WEST CENTRAL REGION Counties: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Hillsborough, Lee, Manatee, Pasco, Pinellas, Polk, Sarasota Tampa Field Office - 813.972.8602 Capt. Michael BYRNE Lt. Carlos ROSARIO Fort Myers Field Office - 239.278.7527 Lt. Mark FRITZ

EAST CENTRAL REGION Counties: Brevard, Lake, Orange, Osceola, Seminole, Volusia Orlando Field Office - 407.835.4402 Capt. Glen HUGHES Lt. Laquanda GREEN Lt. John SAVINO SOUTH CENTRAL REGION Counties: Broward, Highlands, Indian River, Martin, Okeechobee, Palm Beach, St. Lucie Plantation Field Office - 954.958.5402 Capt. Rafael DELGAGO Lt. Bill LEE West Palm Beach Field Office - 561.837.5601 Lt. Evangelina BROOKS SOUTH REGION Counties: Dade, Monroe Miami Field Office - 305.536.0302 Capt. Steven SMITH Lt. Violeta SERRANO Lt. Stanley JEAN-FELIX Lt. Missael DIAZ South Florida Major Medical Fraud Task Force Supervisory Special Agent Fred Burkhardt 847.544.7141 Central Florida Major Medical Fraud Task Force Supervisory Special Agent Jose Olivier 813.558.6387

Copy goes her. Editor’s Corner

On page 1, we cover the arrests of two clinic owners in Miami while a medical doctor in the same case pleads guilty. On pages 3 - 4, we put the Spotlight on some successful cases, which have contributed to the recent decline of PIP fraud. On page 5, we feature another fugitive in Insurance Fraud’s Most Wanted. As always, we report on PIP Fraud in the News and the latest PIP-related arrests.

Hurricane Season Starts June 1 - Be Prepared