Category Archives: Testimonials

Crash Proof Retirement Spotlight: Joe & Eileen Mangeney

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Joe and Eileen Mangeney have been Crash Proof Consumers since 2010 and averaging 5% with their Crash Proof Retirement System. That’s money that has been credited as “interest’ to their accounts, and can never be taken away unless they decide to withdraw it.

Watch the Mangeneys share their feelings about living with a Crash Proof Retirement.

Over the nearly ten years since the inception of the exclusive and proprietary Crash Proof Retirement System, creator Phil Cannella has led a national effort to Crash Proof the retirements of over 4,000 consumers. These are people in or near retired years who no longer have to lie awake at night, worrying that their retirement nest-eggs are at risk in the stock market because of the fees, greed, corruption and uncertainty that occurs daily on Wall Street.

Crash Proof Consumers are everyday people: doctors, lawyers, construction workers, business owners, stay at home moms etc. who were all tired of the roller coaster ride in securities (stocks, bond & mutual funds). Through their consumer driven education on the exclusive Crash Proof Retirement System, these folks realized that there was a safe and guaranteed option to Wall Street and that they didn’t have to put their life savings at risk for the chance of making some gains in the market. They also learned that their so-called “gains” in securities really weren’t gains at all until they got out of the market; something that most financial advisors would advise them not to do. After all; How can a securities advisor make their commissions and fees off of your accounts (whether you’ve made money or not) if you’re not in the market? It’s a conflict of interest that Crash Proof Founder Phil Cannella eliminated with his proprietary Crash Proof Retirement System. With Crash Proof Retirement there are no commissions or fees, ongoing or otherwise, and 100% of your money works for you 100% of the time. Does this sound too good to be true?

Most of the over 4,000 Crash Proof consumers felt skeptical themselves before getting educated on the exclusive Crash Proof Retirement System, but then they learned that no other retirement system can guarantee that, when the market goes up, you’re Crash Proof accounts can go up with it, but when the markets go down; your accounts stay even. You are guaranteed never to lose a penny of your principle.

Crash Proof Retirement Spotlight: Doug and Eileen Flor

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Crash Proof Retirement Consumers

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on Doug and Eileen Flor of Richboro, Pa.

Doug Flor is retired from Exelon Power Company, while his wife Eileen works part-time as a school teacher. Their journey to a Crash Proof Retirement begins five years ago, when Doug attended an educational event at Spring Mill Manor in Ivyland, Pa.

Back in 2010, Doug was tired of market volatility. He’d watched friends lose money on the market and wasn’t comfortable investing his future in such an unstable climate.

“I had company stock,” he recalled, “and it made me pay attention to the overall market, all the other indexes and how they fluctuated. I saw enough of that in my mutual funds, I saw enough of the volatility of the market. I’d rather have [my money] in the bank where I feel I have control. Crash Proof Retirement seemed to fit my conservative way of thinking.”

Doug and Eileen left that Educational Event in 2010 curious and ready to learn more—and that’s exactly what happened when they came to our headquarters in King of Prussia. The Flors walked away impressed by their experience with our Crash Proof Retirement educators.

“Most people get three meetings—they gave me five,” Doug recalled. “I like that I’m making gains, and not stepping back at all. If the stock market crashes, everything levels out and we don’t lose anything.”

Remember, Crash Proof vehicles are not stocks. They are not bonds or mutual funds either, and therefore they are not susceptible to the ups and downs of the stock market. The Flors were impressed with their newfound stability and four years later, they returned to our headquarters to begin building Eileen’s Crash Proof Retirement.

“Crash Proof Retirement was able to customize a program just for me,” said Eileen. “I told them the types of things that would make me feel insecure, and they don’t have anything like that in my plan.”

Eileen says her favorite aspect of Crash Proof Retirement is the flexibility and personalized attention she enjoys. “I didn’t have to put everything I owned into it,” she said. “I felt like my advisor listened to what I needed.

“I also like that the advisors do not take any payments. I found that hard to believe in the beginning, but it’s true.”

Eileen was used to dealing with advisors who took a chunk of her nest egg each and every year. At Crash Proof Retirement, she and her husband enjoy 100% of their money working for them, 100% of the time. Gone are the days of living and dying with every movement of the stock market. Today, the Flors are free to change investments as they see fit based on their needs—with absolutely no upfront or ongoing fees.

“Over the last five years, Crash Proof Retirement has given me peace of mind over my finances,” summarized Doug Flor. “Phil is needed in this industry, especially with the way the economy is going right now.  I feel like Phil and Joann have devised a way to help people.”

Crash Proof your retirement future by calling 1-800-722-9728, or visit www.crashproofretirement.com.

To hear more stories of people enjoying the Crash Proof Retirement System, tune in to The Crash Proof Retirement Show on Talk Radio 1210 AM WPHT every Saturday from 11 a.m.—noon.

Crash Proof Retirement Spotlight: Robert and Rosemarie Smith

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Crash Proof Retirement Consumers

Smiths for Rob (1)

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on Robert and Rosemarie Smith of Broomall, Pa.

Both Robert and Rosemarie are retired from the U.S. Navy, and one day Rosemary heard about Crash Proof Retirement on the radio. She was intrigued by the notion of never losing one penny of principal, and was interested in protecting the family’s retirement savings.

“My main retirement concern was preservation of principal,” she confirmed. “I chose to seek alternative investments. I had recently retired from the Navy—we had a [retirement] plan within the government, and I wanted to move it somewhere that was not the stock market, where it could’ve gone down.”

So Rosemarie convinced her husband to accompany her to a Crash Proof Retirement educational event, where the Smiths learned new information that made them both see the importance of protecting their futures. But one person wasn’t as excited about the information they’d learned.

“We had some resistance from our previous broker,” Rosemarie revealed. “He could not understand how this process that Phil and Joann have would work. He said that it was impossible that our money wasn’t in the market, and that we couldn’t lose. It got quite testy in his office.”

Rosemarie left her former advisor’s office convinced that she’d made the right decision. Upon coming over to Crash Proof Retirement, she knew she’d never go back to that old advisor. In fact, the consumer advocates at Crash Proof Retirement actually prevented Rosemary and Robert from signing anything until they were thoroughly educated and prepared.

“We had three meetings, because they really want you to understand what’s going on,” said Rosemarie. “After the first meeting, I was ready to go. I felt zero pressure. But they wouldn’t allow us [to sign] until we came back for the next two appointments. They really wanted us to understand.”

The Smiths have had a Crash Proof Retirement since 2011 and have averaged 7.2% in that time. They no longer worry about a market crash, a ‘con-man’ advisor or any other factors associated with risk investments. Instead, they enjoy their recess years, knowing that 100% of their money is working for them 100% of the time.

“When I see the market go down, I just snicker,” laughed Robert Smith. “Crash Proof Retirement means peace of mind to my wife and me.”

Robert and Rosemarie enjoy that peace of mind so much that they’ve referred three friends who’ve become Crash Proof—and two traveled all the way from Florida to protect their retirement accounts.

“I’d like to say thank you to Joann and Phil,” summarized Robert Smith. “I can sleep at night. I don’t have to watch the ticker and say ‘Oh my God, what’s happening this week?’ I just know that I’m safe. Thank you for my wife’s peace of mind and for helping me to sleep at night!”

Crash Proof Retirement Spotlight: Catherine Hayes

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Crash Proof Retirement Consumers

Catherine for Rob

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on Catherine Hayes of Williamstown, N.J.

When Catherine’s husband passed away several years ago, she faced the worst nightmare of most widows—she was all alone with the family finances and had no experience in handling such matters. Catherine’s husband had handled all the financial matters—as is the case with so many married couples of Catherine’s generation.

“When my husband passed, it was so scary for me because I didn’t know where to begin—who to call, where to start,” she remembered.

Catherine considered herself fortunate to have an advisor from Edward Jones to ask all her questions. Unfortunately, she would soon learn that the worst thing a person in retirement can do is put their trust in an advisor with no fiduciary responsibility to put the consumer’s needs ahead of his own. It cost Catherine dearly.

“I was at the mercy of my financial planner,” she remembered, “and he told me ‘I’m going to treat you like you’re my mother.’ But I lost a lot of money, and I didn’t realize he charged me fees until I looked closely at the literature. I felt deep inside that something was wrong.”

There was something wrong—Catherine’s advisor was taking advantage of her. So after years of watching her savings diminish, Catherine took action by coming to First Senior Financial Group, home of the exclusive Crash Proof Retirement System. She felt no pressure, and received the education she so sorely needed.

“I knew I had to do something because my finances were down so much,” Catherine admitted. “I had to get the help I needed—and I got it.”

Catherine Hayes went through the Crash Proof Retirement educational process, where there are no upfront or ongoing fees. Catherine’s been Crash Proof since 2011, averaging 4.77% annually—and hasn’t seen First Senior Financial Group take one penny of her principal. 100% of her money works for her 100% of the time—and that’s the definition of peace of mind!

Now, Catherine doesn’t worry about the stock market. Better yet, she doesn’t have to live in fear of an advisor taking advantage of her financial inexperience. She has a team of experts constantly keeping tabs on her account.

“When I heard Phil Cannella’s voice on the radio, something inside told me to trust him,” she recalled. I just felt that there was something about everyone [at First Senior Financial Group] that was trustworthy. This is an educational process—it’s not a sale, because there was no pressure to buy or sign anything.”

To other women who are facing or who may someday face a difficult situation like hers, Catherine had some words of advice.

“My message would be to get involved with finances with your husband. Get educated as much as you can,” she summarized. “And for those listening [to Phil Cannella] on the radio, listen with your heart and soul and you’ll know that these people are truthful. Crash Proof Retirement means a new beginning.”

Crash Proof your retirement future by calling 1-800-722-9728, or visit www.crashproofretirement.com

To hear more stories of people enjoying the Crash Proof Retirement System, tune in to The Crash Proof Retirement Show on Talk Radio 1210 AM WPHT every Saturday from 11 a.m.—noon.

Crash Proof Retirement Testimonial: Joann Mattia

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Crash Proof Retirement Consumers

Mattia for RobThe Crash Proof Retirement System, founded by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement spotlight on Joann Mattia of Downingtown, Pa.

Joann is a marketing manager whose retirement dreams were curtailed by the market crash of 2008. A significant portion of her savings were wiped out when the major stock market indices lost more than 50% of their values. Once the crash ended, Joann knew she couldn’t afford to stay in such a risky environment.

“I had lost a substantial amount of my 401K, which was the largest portion of my savings,” she recalled. “I heard about Crash Proof Retirement on the radio, and decided it was something I needed. I wanted to hold on to my money, while earning as much interest as I could on those investments.”

Joann decided to come out to a Crash Proof Retirement educational event, and after receiving a thorough education from Phil Cannella and Joann Small, she scheduled an appointment at our King of Prussia headquarters.

“My first appointment at Crash Proof Retirement—I brought some information with me, and I learned some of the basics,” she remembered. “But on my second appointment, I met directly with Phil, and he really elaborated on how this works—the downfalls of the market vs. the Crash Proof Retirement System.”

Specifically, Joann learned about both the hidden and ongoing fees associated with 401Ks and mutual funds—precisely the types of vehicles in which she was invested. She also learned that Wall Street professionals do not have a fiduciary responsibility to put the interests of their clients ahead of their own.

“You get the [401K] statement every month… and you just look at the bottom line. You don’t realize what you are paying for, and when I started looking at it I realized those fees can be rather high,” said Joann.

But once the educators at Crash Proof Retirement explained that Joann would never pay First Senior Financial Group one dime from her account or principal, her mind was put at ease. She was also thrilled to learn that her investments are always protected, thanks to the fiduciary responsibility of our Crash Proof Retirement team.

“It’s great to know that these companies aren’t going to fail—they have to report to the state,” Joann summarized. “The fiduciary responsibility will protect me. I can feel confident that I’m not going to lose everything.”

Today, Joann Mattia has a Crash Proof Retirement—and in her first year, she made 10.7%! That’s interest that can’t be taken out of the account by anyone but Joann, as opposed to a market ‘gain’ subject to fluctuations and volatility. Not only does she enjoy 100% protection of her money, Joann has the potential to maintain those double-digit annual gains.

“It just seems to me that Phil and Joann are concerned with everyday people—they take a personal interest in you,” said Joann Mattia. “I feel confident that I’m not going to lose my principal. Every year, I will have a review here and that makes me confident.”

Crash Proof your retirement future by calling 1-800-722-9728, or visit www.crashproofretirement.com

To hear more stories of people enjoying the Crash Proof Retirement System, tune in to The Crash Proof Retirement Show on Talk Radio 1210 AM WPHT every Saturday from 11 a.m.—noon.

Crash Proof Retirement Testimonial: Vince and Joyce Natale

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Crash Proof Retirement Consumers

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement spotlight on Joyce and Vince Natale of Havertown, PA.

The Natales’ story is a common one in this generation of retirees. Frightened by the crash of 2008, Joyce and Vince were faced with the prospect of preparing for retirement—but were unwilling to accept the inherent risks of investing on the stock market.

“I took a 40 percent hit on our money in 2008,” said Vince Natale, “and I vowed to myself and my family I would never again risk that stability in something as volatile as the stock market.”

Looking for a safer way to protect principal, the Natales started the Crash Proof Retirement System educational process in 2010. They were eager to learn whether they could grow their money without absorbing market risk. They were pleasantly surprised by the answer they received from Joann Small, CEO of First Senior Financial Group, and her design team.

“I used to think I was at least somewhat savvy as to how to invest money,” said Vince, “but I didn’t know half of what I should have known. I was made aware through Crash Proof Retirement.”

The Natales moved multiple accounts into the Crash Proof Retirement System and have enjoyed annual gains of over 6.5 percent for the past four years. Better still, even if the markets turns or crashes again, they won’t lose a penny of that interest. Gains are not only possible, they’re protected! And that protection is of utmost importance to the Natales, who pride themselves on staying informed and are very aware of the uncertainty in today’s world economy.

“Even right now, they’re talking about Russia and China changing our monetary system, or deflating the dollar,” said Vince. “There are too many outside influences on the stock market that we have no control over as normal, everyday citizens. I want to put more control in our hands.”

Vince and Joyce were able to establish that control through the Crash Proof Retirement System. They pay no fees, they take no risk—and as a result, they feel no stress.

“To me, Crash Proof Retirement is peace of mind,” Vince summarized. “It’s something I can do for my family to guarantee some of their financial security. We sleep better at night, knowing that we’re not going to take that 40 percent hit like we did in the past. Crash Proof Retirement provides that stability and security, and we can enjoy the rest of our retirement.”

Crash Proof your retirement future by calling 1-800-722-9728, or visit www.crashproofretirement.com

To hear more stories of people enjoying the Crash Proof Retirement System, tune in to The Crash Proof Retirement Show on Talk Radio 1210 AM WPHT every Saturday from 11 a.m.—1 p.m.

Crash Proof Retirement Spotlight: Stephen and Sandy Desirey

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Crash Proof Retirement Consumers

Steve and Sandy for Rob

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on Stephen and Sandy Desirey of Skippack, PA.

Stephen Desirey, a retired chemical engineer, and his wife Sandy heard about the Crash Proof Retirement System back in 2010. Unhappy with the advisor they had at the time, the Desireys decided it was time for a change.

Stephen and Sandy knew they wanted to find a way to invest their money without the risk that was eating away at their nest egg.

As we often hear at Crash Proof Retirement, one of the most perplexing things to the Desireys was how their advisor could continuously make money while they seemed to be losing theirs.

“Something is wrong with that picture,” said Stephen. “And as we listened, it became obvious that there was a better way—a safer way.”

“We were not at the period of life where we were really building income. [We were] beginning to start managing what we had built. We needed a different plan for that stage of life.”

After attending a Crash Proof Retirement educational event in Lancaster, Pa., the Desireys were on the path to building that plan. But it really clicked for Stephen when he came to our Crash Proof Retirement headquarters in King of Prussia, where he realized this experience would be vastly different from his relationship with his old securities advisor. More than anything, however, he wondered why no previous advisor had ever mentioned these guaranteed investments.

“Here was a vehicle that was not being widely promoted at all,” Stephen summarized. “The fact that it was not being mentioned by those advisors drove my interest to learn more about it.”

The Desireys were determined to get the full story this time around, so they came to their first meeting with Phil Cannella and Joann Small armed with questions. “The people at Crash Proof Retirement could not have been more helpful,” Stephen continued. “They showed us examples, they discussed and answered all of our questions to the point where we became really comfortable.”

The best retirement plan is the one you don’t have to think about, and that’s what Stephen and Sandy Desirey enjoy now. The Desireys have been secured by the Crash Proof Retirement System for five years—a period in which they’ve averaged 6.6% annually. Best of all, they need not worry about the volatility in the stock market thanks to a team of experts that constantly monitors their account.

“Most mainstream media financial advice on maximizing your retirement is ‘buy this, invest in that,’” concluded Sandy Desirey. “But those things are risky. They won’t help you sleep at night. I am 100% confident that we are Crash Proof, and we will be able to live out our lives the way we had designed—and we’ll leave something behind for our three children.”

Crash Proof your retirement future by calling 1-800-722-9728, or visit www.crashproofretirement.com.

To hear more stories of people enjoying the Crash Proof Retirement System, tune in to The Crash Proof Retirement Show on Talk Radio 1210 AM WPHT every Saturday from 11 a.m.—noon.

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Crash Proof Retirement Spotlight: David Levens

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Crash Proof Retirement Consumer

David Levens Still

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on David Levens of Lancaster, Pa.

David is a retired salesman who, like many of our clients, started to become concerned about the volatility of the stock market. But David was one of the luckier ones—his concerns started in 2007. When he stopped seeing the kind of returns he liked, David realized that a market crash was on its way. Luckily, he made a decision that saved his retirement nest egg—he checked out Crash Proof Retirement.

“My decision to get out of the market came with the fact that I wasn’t getting the type of return I needed,” David recalled. “The market was up, then down… I felt like we could be looking at a crash.”

David hoped to find a good return on his investment without any risk—something he once believed was too good to be true. But after attending a Crash Proof Retirement educational event—and visiting our headquarters in King of Prussia—David realized his experience with First Senior Financial Group would be much different than what he was expecting.

Crash Proof Retirement educators explained to David that he would never pay a dime to First Senior Financial Group. Moreover, his principal was protected AND he had the potential for double-digit gains. With that, David’s mind was at ease.

“The event opened my eyes—Phil Cannella did a wonderful job,” David explained. “Then we put together a formula to continue investing with Crash Proof Retirement. There was absolutely no pressure through the whole process. It was my decision, and everyone was extremely helpful and well-educated.”

Meanwhile, many stock market investors continued to ignore troubling signs from Wall Street. Everyone knows what happened next—the market crashed in 2008, with many people in or near retirement losing approximately half their nest eggs. Not David Levens, though—he’d gotten out in time and enjoyed 100% protection.

David’s been with Crash Proof Retirement for eight years now, and he sleeps soundly at night knowing he has a team of experts monitoring his money. David’s custom-designed Crash Proof Retirement System has seen him through one financial crisis, so he’s confident about anything that comes his way.

With the stock market near all-time highs, but showing signs of trouble on the horizon, David Levens recommends that others follow his example—get out now, before it’s too late!

“With the market the way it is, I would highly recommend attending an educational event,” he concluded. “Your eyes will be opened to the alternatives to the stock market. This is a great opportunity.”

Crash Proof Retirement Testimonial: Frank DeFelice

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Crash Proof Retirement consumer and former member of the United States Treasury Department, Frank DeFelice, reacts below to the recent claims in the NY Post speculating that there is no such thing as a Crash Proof Retirement:

Dear Phil Cannella and Joann Small, 

    I retired in 2013 after serving almost 25 years with the United States Treasury Department in Washington, DC and Philadelphia. I became aware of the Crash Proof Retirement System during 2008 when the Crash Proof Retirement Show was first broadcast on WPHT, 1210 Radio in Philadelphia. Being a member of the Treasury Department during the Bush, Clinton, and Obama Administrations endowed me with knowledge the average citizen is not usually cognizant of with respect to the economy and things of a financial nature.

     The then New Obama Administration’s Economic Advisor at the time, Christine Roamer, was proposing adverse radical changes to 401K Plans (e.g. eliminating the Tax Sheltering aspect of the Plan) which I considered both possible and unacceptable. I continued to listen intently to Phil Cannella’s weekly program and started looking at possible alternatives to the Government’s 401K (aka Thrift Savings Plan) for my retirement (which was not far off) and considered the Crash Proof Retirement System as an alternative to the Thrift Savings Plan.

     I arranged for an interview at First Senior Financial Group in King of Prussia, Pa. Everything was laid out in front of me and I can assure you, I asked probing questions which individuals with my background would put forth. I could find no deception as to what had been presented to me. After the initial meeting I looked further into the validity of the Crash Proof Retirement System and decided to become a client.

     The Design Team came up with an absolutely magnificent package which has resulted in a stunning 16.7% increase in our original investment in one year with First Senior Financial Group’s Crash Proof Retirement System. As a former member of the United States Treasury Department, I can attest to the validity of everything I have heard Phil Cannella and Joann Small present to the public to date, both on their radio program as well as in private meetings with my wife, Ms. Small, Phil Cannella and their Associates.

 Frank DeFelice

If you are a satisfied Crash Proof Retirement consumer, please submit your thoughts to info@firstseniorfinancialgroup.com.

Crash Proof Retirement Spotlight: John Kaufmann

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Crash Proof Retirement Consumers

The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on Mr. John Kaufmann of Lancaster, Pa.

One of the attributes that separates First Senior Financial Group from a typical firm is their unyielding commitment to consumer advocacy. This means no matter how long you’ve been a client, Crash Proof Retirement System creator Phil Cannella and his team are available to answer questions pertaining to your Crash Proof Retirement. John Kaufmann learned this not too long ago.

Mr. Kaufmann has been with Crash Proof Retirement since 2009. But it wasn’t until this past August that he mentioned he had a variable annuity—one of the worst investment vehicles in terms of charging fees and other hidden expenses. Unfortunately, John Kaufmann learned that his variable annuity was not what it appeared to be.

“I was under the impression that we were making 7 percent per year, compounded,” John explained. “Phil called the company and asked straight questions that we didn’t know how to ask. He got straight answers, too.”

But they weren’t the answers John Kaufmann wanted to hear. “We found out that we had more fees than we ever would have imagined,” he said.

John has spent his life working as a contractor, and building a reputation as a man of his word. As such, the experience with the company that issued his variable annuity hurt him not only financially, but personally.

“I’m not used to being lied to,” John lamented. “I’ve been in business all my life, and there have only been a handful of times that I’ve even had to sign a contract. Most deals are done with a handshake, and everyone was satisfied.”

One of John’s favorite things about having a Crash Proof Retirement is the way they do business. “You give someone your word. That’s the way business should be done,” John said. “And that’s the way Phil does business. He tells it like it is, and there are no ifs, ands, or buts.”

John has had a Crash Proof Retirement for six years now, but he continues to reap new benefits of the safety, security and commitment to consumer advocacy. As you might imagine, he’s out of that variable annuity now. While he admits it was a hard way to learn, he’s grateful for the lesson the experience taught him.

“Crash Proof Retirement means security of knowing your money is not going to evaporate,” he says. “With stock market ups and downs, the money that you thought you had can go away. It’s very important to me that my money is secure.”

John concluded with words of advice for consumers who are considering Crash Proofing their own retirements. “I’d recommend they pursue the Crash Proof Retirement plan,” he recommended. “We lost money prior to being in the Crash Proof Retirement [System], but we haven’t lost any since.”

Crash Proof your retirement future by calling 1-800-722-9728, or visit /

To hear more stories of people enjoying the Crash Proof Retirement System, tune in to The Crash Proof Retirement Show on Talk Radio 1210 AM WPHT every Saturday from 11 a.m.—1 p.m. and on Sundays from 1-2 p.m.

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