Author: Brad Lindemann

Ambassador Missions has discovered an amazing organization that is changing the world in a big way. By way of an introduction, we’ve got a trivia question for you:

What is the world’s most expensive luxury version of a product relative to the cost of the comparable standard version?

Hint #1: The luxury version costs at least 2,000 times more than the comparable standard version.

Hint #2: Global sales of the luxury version exceed $100 billion per year.

Hint #3: The United States consumes more of the luxury version than any other country.

Hint #4: There is no evidence to suggest that the luxury version is superior to the comparable standard version in any meaningful way.

Hint #5: There are serious environmental issues associated with the consumption of the luxury version. No such concerns exist with the comparable standard version.

Hint #6: One billion people around the world do not have access to either the luxury or the comparable standard version.

Hint #7: Human life cannot be sustained without some version of this product.

Give up?

Here’s the answer.

We’d love to hear your thoughts on this provocative topic and how it might lead us to do well while doing good.

Whada’ ya’ think?

Ours is truly the ultimate people business.  As such, players in the IT consulting game are subject to ebullient highs and excruciating lows.  Having been in the game for nearly a quarter of a century now, I’ve had my fair share of both.  Yet, I still get near giddy whenever we put one of our true IT pros to work on what is often some of our clients’ greatest challenges.  Conversely, whenever I see something less than true pros taking the IT field, I get (how can I put this delicately?) a wee bit chapped.


BENCH STRENGTH

True bench strength is the benchmark of any great team.  However, in our business, clients are often presented with whoever happens to be available (a.k.a. on the bench) instead of who’s truly the best fit for the position.  This significant problem on the staffing side of the business reaches epidemic proportions when IT comes to outsourced projects.  To get revenue flowing, unscrupulous firms will grab just about anybody off the bench and stick them on a project.  Of course, the piper will eventually be paid…enter, the dreaded change order.

So, how can clients avoid getting their round IT roster holes filled with square pegs?  Make sure you trust the guys with the hammer.  I’m Brad Lindemann, President of Ambassador Solutions, and I’m just tellin’ it like IT is.

This is Part 3 of a 3 part series originally entitled:  Who’s Going To Amazon Healthcare?

As with any “change the world” undertaking, getting started is never easy.  Amazon didn’t become the second most valuable retailer in the world ($81 billion market cap) by initially offering any product to any customer anywhere at any time.  They started off selling books online out of Mr. Bezos’ garage.  As they expanded into other products, they fast became public enemy #1 to every retailer on the planet.  This realization gave birth to Amazon’s Merchant Partnership program which seemingly gives them unlimited growth potential.  While still competitors, Merchant Partners embrace amazon.com as a strategic distribution partner with reach very difficult to achieve on their own.

Amazon did not invent the Internet.  They simply leveraged it to become the first retail super power exclusively peddling its wares in cyberspace.  Many followed their lead, including bricks and mortar retailers who feared losing market share to Internet upstarts, as well as traditional competitors who were early Internet adopters.  By comparison, the field of telemedicine is where Internet retailing was in the early 1990’s.  There’s a lot of experimentation going on, but no one has emerged as the 800 pound telemedicine gorilla.  While the idea of “IU TeleHealth Services” is certainly intriguing and eventually inevitable, the gorilla is likely to emerge from less traditional roots, as Amazon did.

If They Will Come…Who Will Build It?

What about THE Exchange?  Who’s most likely to build the network that the entire world will rely upon to secure, store and transmit highly confidential and potentially life-saving personal health information? Surely no government would be entrusted with such a mission critical system connecting every nation on earth.  Some healthcare systems (public and private) have the resources to pull it off, however, other providers would be reticent to share their patient data with what could become a formidable competitor.   Certainly the large outsourcer/systems integrators like IBM and Accenture could handle the challenge, but they may prefer to re-invent the wheel with all of their clients versus building a global solution they could all piggyback upon.  For the same reason, Cisco Systems will likely be content to sell its products to all telemedicine providers versus becoming one.

Getting Started

While it’s unlikely that any of the above mentioned entities will build, own and control THE Exchange; that does not preclude any or all of them from investing in the firm that does.  In fact, given the magnitude of the project, it’s difficult to imagine how anyone could succeed without such help.  For example, a progressive hospital system might partner with a systems integrator to build an internal telemedicine exchange.  To compensate the hospital for over designing the software with THE Exchange in mind, they could be granted an equity stake in the new enterprise.   This would also guarantee the hospital seamless integration into THE Exchange once it’s up and running.  Not a bad deal.

It’s possible that a single entity could become both the Amazon provider of telemedicine services AND the owner of THE Exchange (“THEx”).  Like Amazon did with their Merchants Partnership program, such a firm could convince other healthcare providers that they’d only be taking the overflow cases they couldn’t handle, while serving their telehealth exchange needs.  This would give participating providers theoretically unlimited capacity, because they would have access to both THEx physicians and those of every member provider.  The days of “no longer taking new patients” would be gone.

A Possible Play for Health Insurers

Though possible, it is unlikely that a single entity will become both a preeminent provider of telemedicine services and the owner of THEx.  An ideal scenario would be one in which the Newco telemedicine provider is also an equity participant in the formation of THEx.  This may be an interesting avenue for the larger health insurers to explore.  Since they have a generally adversarial relationship with providers anyway, why not become a provider themselves?  In fact, if someone’s going to “Amazon” the healthcare industry, wouldn’t it be more efficient for it to be someone who’s already intimately familiar with it?  Hmmm…I wonder if Wellpoint and United Healthcare have considered this.

Summary

The coming telemedicine explosion will put increasing pressure on current healthcare providers to offer many of their services in a virtual manner.  Some will seize the opportunity and prosper.  Others will fall further and further behind their more progressive competitors.  But, the BIG winners will be the new genre of healthcare providers who will exclusively provide telemedicine services.  And, perhaps the biggest winner of all will be the firm who builds and operates the system that makes it all possible –

any patient…any provider …anywhere… any time.  We call it THE Exchange…and we’re out to change the world with it.

This is Part 2 of a 3 part series originally entitled:  Who’s Going To Amazon Healthcare?

Conventional wisdom holds that telemedicine is best practiced in a real-time manner.  The physical doctor/patient interaction is captured via live video with the aid of a nurse or medical assistant at the patient’s end.   Though such real-time virtual visits will sometimes be necessary, it’s much more efficient to capture the patient data, store it securely, then forward to the appropriate physician.  Some of the many benefits to the store and forward approach are:

1. Patients and physicians no longer need to be simultaneously available;
2. The patient data can be forwarded to any physician in the world;
3. Physicians can batch up virtual patient visits and render care much more efficiently than would be possible in a like number of physical visits.Properly packaged, patient cases could likely be reviewed by physicians in half the time required for a standard office visit.

The Case for THE Exchange

For the any patient/physician/place/time vision to be realized, the patient data must be highly secured and find its way around cyberspace in a well-controlled and efficient manner.  This calls for a very sophisticated network and data repository that that does not exists today –a tele-health exchange.  No, make that “THE TeleHealthExchange” (THE Exchange).  THE Exchange would be the backbone of the global telemedicine industry without which the full potential of telemedicine could never be realized.

Imagine the Possibilities

Imagine… a semi-retired primary care doctor logging onto THE Exchange three mornings a week from the comfort of his Wisconsin lake cottage.  According to pre-established parameters, THE Exchange forwards the doctor virtual cases from around the world.  He reviews the cases, makes his diagnosis and issues his orders just in time to enjoy a sumptuous lunch prepared by his lovely bride.  On fishing days, he takes his cases in the afternoons so he doesn’t miss the early morning feeding frenzy on the lake.

Best of all, one in three of the cases submitted to Dr. Badger come from third world countries critically lacking healthcare services.  He finds such pro-bono work so gratifying that he doubts he’ll ever fully retire.  Why should he?  With THE Exchange, he can work as much or as little as he wants from anywhere in the world.  All he needs is a computer and an Internet connection.   He speaks passionately about this aspect of his practice during his frequent guest lectures at his medical school alma mater. Dr. Badger wants to encourage the next generation of doctors to build pro-bono work into their practices from the beginning.  Why not?  With THE Exchange, every doctor on planet earth can use their skills to help “the least of these”…any patient…any doctor…anywhere…any time.

Closer to home, imagine…IU Tele-Health Services operating from a state-of-the-art control center housed in downtown Indianapolis…a few blocks from the IU School of Medicine.  This tele-health control center looks and feels like NASA’s Mission Control.  However, the high energy folks hovering around the hundreds of HD monitors are healthcare professionals, not engineers.  Primary care is provided by a veritable army of nurses, nurse practitioners and family physicians.  These front line/online care givers are backed-up by a group of the world’s finest specialists from every possible discipline.  Of course, all of these highly skilled professionals don’t have to by physically present.  THE Exchange knows where to find them when they’re needed.  There are, however, tremendous benefits to having a critical mass of healthcare professionals together.    They can consult with one another on challenging cases and enjoy the “professional nutrition” so craved amongst colleagues.

Doing Well by Doing Good

And finally, imagine…what a single courageous and compassionate nurse on the ground in Kwazulu-Natal , South Africa could do to help “the least of these” within the AIDS epicenter of the world.  By connecting a RP-Lite Remote Presence system from InTouch Health to THE Exchange, this nurse can commandeer life-saving healthcare advice from around the world.  Because such humanitarian care can be provided without concerns over such things as HIPAA regulations and payer issues, it could well be the driver behind building THE Exchange.

The Case for Exchange Standards

First and foremost, patient data transferred via THE Exchange must be formatted and packaged in a way that allows the physician to render an accurate diagnosis in the most efficient manner possible.  This calls for standards and a system that enforces them.  Patient vitals must be presented in a consistent format.  Video footage and still photos must be cataloged in an easy-to-retrieve fashion.  Determining who receives the virtual patient case will be critically important.  This will call for a highly complex set of rules that will be ever-changing, while unparalleled data integrity and security is paramount to success.

Are you sensing that “THE Exchange” concept might represent a sizeable business opportunity for someone?  No more teasing, next post I promise to consider just who those someones might be.  We’ll also ponder why it’s just as likely that the 800 pound tele-health gorilla will emerge from remote entrepreneurial jungles unknown.  Until then…here’s to your tele-health!

The fledgling field of telemedicine will soon be very big business on a global scale.  The world is rapidly moving towards an environment wherein many medical services will be virtually provided via the Internet.  This is as certain as it once was that a significant portion of retail goods and services would fly their way through cyberspace and into consumers’ hands.  In the process, a new genre of retailers was created, led by Jeff Bezos’ amazon.com.  And now, the international stage is set for someone to “amazon” the healthcare industry.  Who might that someone be?

I first became intrigued with the field of telemedicine when our firm was hired by a major hospital to design a patient portal.  It quickly became apparent that no matter where we started, we wouldn’t be truly finished until the same portal used to do mundane tasks such as appointment scheduling was also used to conduct virtual appointments via the Internet.

During the course of this engagement, I happened into a CVS pharmacy with a Minute Clinic staffed by a Nurse Practitioner greeting the only patient she had.  This “innovative” approach to primary care seemed very inefficient to me.  Despite this, I discovered that CVS has serious expansion plans for their Minute Clinics.

I walked out of the CVS scratching my head that day.  There was something wrong with the picture, but I couldn’t put my finger on it.  Then it hit me.  The patient-provider real time-space paradigm was outdated, inefficient and unnecessary.  Historically, seeing a doctor has been a pain in the backside because it necessitated patient and provider being in the same place at the same time.  The conventional view of telemedicine breaks only half of the paradigm (place), but continues to assume that patient and provider must be connected real-time (albeit virtually) for the provider to render an accurate diagnosis.  Why?

Why can’t doctors “DVR” some of their patient cases to be seen at the time most convenient and efficient for them?  Why can’t patients “see” their doctors at times most convenient and efficient for them?  Breaking the real time patient-provider paradigm breaks exciting new ground for all healthcare providers.   It paves the way for a new paradigm with limitless possibilities.  Possibilities that can only be realized once we can connect… any patient…to any provider…anywhere… at any time.

Why is telemedicine usage as certain to explode as the Internet itself did in the mid 1990’s?  The answers are much the same.  It’s because the providers, payers and patients (a.k.a. customers) will demand it.  Providers will demand it because it allows them to see more patients at higher margins and leverage more ancillary services.  Payers will demand it because it will drive down the cost of many services and eliminate many unnecessary ones (although there are concerns that telemedicine could increase frivolous doctor visits).   Patients will demand it because it will give them much more freedom, flexibility and convenience in how they receive healthcare, not to mention avoiding the interminable time wasted in doctors’ waiting rooms.  They’re call “waiting rooms” for good reason.

One day, every healthcare provider will perform some of their services via the Internet.  Indeed, some will provide 100% of their medical services without ever physically seeing their patients.  And, as was in 1995 when Mr. Bezos  founded amazon.com in his Bellevue, Washington garage, there is now an unprecedented opportunity to create a new genre of virtual healthcare providers.

Like amazon, these cyber-docs will be unfettered by the bricks and mortar of their predecessors.  Their market will not be limited to patients within driving distance of their offices.  These pioneering providers will usher in a new world healthcare order.  Imagine a world in which any patient… can see any doctor… anywhere… at any time.  It’s coming faster than you can imagine.

Next post, I’ll offer insights into who is best positioned to “amazon” healthcare, then we’ll consider the biggest business opportunity to come along since the early dot com crazy days…amazingly, nobody is talking about it…except me.

Like a delighted child on Christmas morning, I recently discovered a special gift within the Biblical account of “The Christmas Story”:

“But Mary treasured up all these things and pondered them in her heart.” (Luke 2:19)

So, what were “all these things” that the mother of Jesus treasured and pondered?  The passage refers to the things that Mary had just heard from the shepherds who “were keeping watch over their flocks at night”.  That is, until an angel appeared and lit up the fields like the Fourth of July.  As impressive as that display was, it paled in comparison to what the angel said.  He proclaimed good news meant to bring great joy to all people…”today in the town of David a Savior has been born to you; he is the Messiah, the Lord”.  Then he went on to tell them how to find this very special baby…in a barn.  Really?

As Mary listened to the excited shepherds, her mind must have raced back to her own angelic encounter some nine months previous.  The angel’s name was Gabriel.  He told Mary, “The Holy Spirit will come on you, and the power of the Most High will overshadow you. So the holy one to be born will be called the Son of God” (Luke 1:35).  This far-fetched story was later confirmed by Mary’s relative, Elizabeth, who was pregnant with a child to become known as John the Baptist (Luke 1:39-45).  After that, six months of angelic silence before the first Christmas.

What was Mary thinking as she lay with her newborn son, surrounded by barnyard animals and her befuddled fiancé, Joseph?  Was her angel’s visit only a dream?  Had Elizabeth’s child truly leaped for joy at the unborn Lord’s presence or was she just being melodramatic?  Would God really allow His son to be born in such a lowly place…to an unwed mother?  None of it made sense, especially the virgin birth part.  But then, the shepherds came…

…and when they left, “Mary treasured up all these things and pondered them in her heart”.  One more time, God had confirmed to her the miracle of all miracles.  “Yes, it’s true”, she thought.  The God of the Universe chose to enter space-time history via the birth canal of an unwed teenage girl.  Oh my, there was much for this young mother to ponder.

This fresh insight into that first Christmas set me to pondering a related story in the life of our family.     Throughout my personal faith journey, God has reaffirmed His love for me and mine in a myriad of ways.  None more moving, however, then the way He arranged for the completion of our family with the addition of our fifth child.

His given name was Samuel Alexander.  One month before he was born, God revealed to my wife that “Samuel” was going to be our son.  Two months later, his birth mother called to ask for our help in finding adoptive parents for her newborn son.  With that, my wife said the words that would forever change the trajectory of our family –“we’ll take him”.

I nearly choked on my Hamburger Helper.  For you see, my lovely bride had failed to share her revelation with me.  And, unlike He did for Joseph, God had not sent an angel in a dream before rocking my world with this “good news”.  We had four children and a fledgling business at the time.  The last thing we needed was another child, so I thought.  Never mind the million or so childless couples in America who would have given anything to adopt this child…this chosen one.  In fact, there were a thousand reasons not to adopt and only one reason to adopt –because God said to.

It was bitter cold in February of 1990.  My best friend and I ran together every weekday morning at six o’clock.  Our constant banter kept our minds off the cold and our aching legs.  For the last three days, we had spent every minute of our run talking about one thing…my wife’s crazy notion about adopting a child.  Tim and I were in complete agreement.  It would be the biggest mistake of our lives.  But, Elaine was standing her ground.  How would we ever resolve this, the greatest conflict of our married life?

Before going in to shower, we stood shivering at the end of my driveway praying that my wife would come to her senses.  But God had us at “Amen”.  All heaven broke loose, as I looked up at Tim with tears in my eyes and said words I could not have imagined uttering until that moment.  “He’s my son, isn’t he”?  Without hesitation, Tim replied, “yes brother, I believe he is.” 

In the blink of a tear-filled eye, God changed the hearts of two best friends, confirming His plan to change the course of Lindemann family history.  His name is Bradley Louis Lindemann II.  And he’ll always serve as a poignant reminder of what God did for the human family over two thousand years ago –“a child is born, a son is given”.   His name is Jesus.  Perhaps there’s something in this story that will encourage you, like Mary, to treasure the truths of His story –The Christmas Story.

That would be my Christmas wish for you and yours.

According to Matt Gutwein, CEO of Marion County Health and Hospital Corporation, the traditional “fee for service” healthcare system in our country has fallen and can’t get up.  “Where else can you get a gig that pays you the same regardless of need or effectiveness or even if it’s determined that the service rendered was completely unnecessary?”, asks Gutwein.   This fatally flawed system results in enormous variations in treatment plans for the same diagnosis with little incentive to close the gaps.  According to Gutwein, providers’ wellness rhetoric is trumped by constant pressure to increase fees.  “Compensation drives conduct”, says Gutwein.  So, when it comes to wellness, the conduct of our healthcare providers is speaking loudly and clearly –“well no, we won’t go!”

Despite growing opposition to the recently passed Healthcare Bill, Gutwein says there are some hidden gems within it that actually hold promise for improving the fee for service model.  Such as:

1. Comparative effectiveness research

Publishing a national data base of best practices for a given diagnosis to reduce the variability in treatment plans

2. Incentives to get Electronic Medical Records into “meaningful use”

Healthcare providers around the country have accelerated their EMR implementation plans in order to receive financial incentives from the federal gov’t

EMR improves ability to measure and therefore manage patients’ overall health

3. Establish “accountable care organizations” (ACO) and provide incentives to improve the overall health of the ACO

Realized savings can then be split between payers (Medicare) and providers

4. Make pre-negotiated bundled payments for a “care incident” versus the traditional fee for service approach that yields multi-page bills charging for every cotton ball
5. Provide incentives to stimulate ideas for lowering costs while improving quality of care

Think national suggestion box for improving healthcare

6. Create incentives to establish a “medical home” for every patient with a primary care physician in charge of coordinating all healthcare regardless of where it comes from

Granted, most of the hidden gems above do hold some promise for improving the healthcare system.  However, they also represent perilous steps down the slippery slope of nationalized healthcare  –a frightening thought to the majority of Americans.  This fear was substantially responsible for shifting the Congressional balance of power from Democrats to Republicans in the recent election.  However, it’s also widely recognized that neither side of the political aisle has prescribed a cure for our ailing and unsustainable healthcare system.  Whatever that cure might be, the majority of Americans do not believe that “ObamaCare” is it.

Come January, it will be interesting to see how much (if any) of the Healthcare Bill survives.  Beyond that, we should watch closely for both public and private healthcare initiatives, always asking ourselves this question –will this lower the cost of treating the sick or improve the wellness of everyone?  Because, until we figure out a way for healthcare providers to make money by keeping people well, they’ll continue to talk a good wellness game while running up the fee for service tab… murmuring “well no, we won’t go” with every diagnosis rendered.

The Health and Hospital Corporation of Marion County operates the Marion County Health Department and Wishard Memorial Hospital and its health services.  Under Matt Gutwein’s leadership, HHC has gone from a $70 million deficit eight years ago to a $300 million surplus in 2010.  Wishard maintains a cost to quality care ratio that ranks it among the best hospitals in the nation.  For an Inside Indiana look at the new Wishard Hospital currently under construction, watch this video.

Author Don Miller hit the big-time in 2003 with his best-selling memoir, Blue Like Jazz.  Not sure why I never read it.  BLJ remains wildly popular, especially within contemporary Christian circles, primarily because it challenges virtually every notion of what it means to be a true Christian.  Intrigued by the author as much as the story, some movie guys came on the scene in hopes of producing a film about Miller’s life.  The experience of co- writing the screenplay profoundly impacted him.  So much so, that in 2009 he wrote A Million Miles In A Thousand Years.  I’m glad he did, because Don Miller’s latest book has profoundly impacted me.

Imagine what it would be like to rewind your life (like a video) and edit all the parts to match the life of your dreams.  A “do-over”, so to speak.  That’s what writing his own screenplay was like for Don Miller.  His cinematographer said it best –“You know.  Just to dream it all up again.  Everybody wants to go back, man.  Everybody wants to make it right.  We get to edit your story so it has punch and meaning.  That has to be an incredible feeling.”  While it turned out to be an incredible experience, Miller’s initial feelings were anything but.  Unlike a good movie that is always going somewhere, Miller had to face the sad truth that his life wasn’t really going anywhere.  In a word…boring.

The epiphany came when the real Don realized that “in creating the fictional Don, I was creating the person I wanted to be, the person worth telling stories about”.  And, in so doing, he could actually re-create his own real life story.  No, he couldn’t go back, but he could dramatically change his future story line…and he did.

Like any memorable story, Miller’s recreation of his future story wasn’t easy.  After all, good stories are about characters facing their greatest fears with courage.  That involves lots of conflict and often life-threatening situations.  Great stories often have surprise endings, so their characters must deal with uncertainty and insecurity throughout.  Don Miller learned that there’s nothing easy about living a storied life, but neither is anything more rewarding.

Miller does a masterful job of weaving the elements of a good story (pain, positive turns, memorable scenes, tragedy, etc.) into the process of re-writing his own.  He handles the pain of meeting the father who abandoned him thirty years ago.  He takes a positive turn by taming the demons that declared him fat and non-athletic since early childhood.  He enjoys many memorable scenes with his first true love, then tragically loses her.  Along the way, Miller found that “the idea that a character is what he does remains the hardest to actually live”.

A Million Miles In A Thousand Years is an inspiring true life story about how to live with purpose and intentionality.  It’s about waking up one day and simply refusing to accept what the magnet on the refrigerator says…”Same s–t, different day”.   The fridge is only half right.  For anyone who’s ever dreamed of a do-over, I urge you to stop dreaming and start reading Miller’s latest book.  It just might inspire you to start living the life you’ve thus far only dreamed about.  Now that would be a great story!

Towards the end of what proved to be the most challenging year of my life, I came upon a book that proved to be a true Godsend.  Fearless by Max Lucado sets forth a compelling case for why the book’s subtitle, “Imagine Your Life Without Fear”, is not only possible, but completely rational given the overwhelming evidence to support such imaginings.  However, to get there from here, the reader must bring an open heart, mind and Bible to the journey.  According to Lucado, truly fearless living is only possible by believing in and acting upon time-tested scriptures that have proven to be the ultimate fear antidote.  I personally appreciate the fact that he’s not just making this stuff up.

Starting with a solid Biblical foundation, Lucado supports his fearless living premise with poignant personal stories of fear conquered in and around his own life.  From his brother’s final act of courageous love to his own near death experience to his humble admission of personal God doubting moments, Lucado takes the reader on a spine tingling (how did he know?) fear conquering adventure.   Fearless could have been alternatively entitled, “The Little Christian That Could”, for I found myself going from “I know I can’t” to “I think I can” to “I know I can”, as the author skillfully guided me away from fearful thoughts and towards imagining my life without fear.

In Fearless, Lucado takes on the most fear-inducing issues of our day.  Who among us hasn’t been plagued by the fear of not mattering?  Recent economic woes have spared few Americans the fear of running out.  Any parents out there not haunted by the fear of not protecting my kids?  The chapter on the fear of overwhelming challenges was surely written just for me.  It opens with a rock solid scriptural mandate that I’d love to tattoo upon my fear prone heart:

“Take courage.  I am here!”  (Matthew 14:27)

These words were spoken by Jesus to his disciples who thought they were seeing a ghost, as He came towards their boat in the midst of a powerful storm…walking on the water, of course.  Lucado says, “we never expect to see him (God) in a storm.  But it is in storms that he does his finest work, for it is in storms that he has our keenest attention”.  This begs a few obvious questions to every Fearless reader – what storms are you in the midst of?  What is God up to in the midst of your storms?  Does He have your attention?

If you’ve read this article, perhaps God has your attention.  For compelling insights into riding out life’s storms, I would encourage you to go one step further.  Get out of the boat (Matthew 14:25-33) by reading Fearless by Max Lucado.  And remember…

“Courage is fear that has said its prayers”