Ray and Bob are joined by Terry Brown of The Maine Heritage Policy Center and Scott Wellman. The Maine Heritage Policy Center holds regular business luncheons. This month, they have Scott Wellman, Chief Financial Officer, Puritan Medical Products LLC & Hardwood Products Company LLC, Chair, Board of Directors, MHPC talking about how to save by self-insuring. For more information, visit their website: www.http://mainepolicy.org. They also have an online publication: The Maine Wire.