The ShiftShapers Podcast

On this episode of ShiftShapers, we are stepping out of the realm of employee benefits, insurance and financial planning to discuss the ultimate differentiator for all businesses – customer service. Peter Shankman is the author of a new book, Zombie Loyalists: Using Great Service to Create Rabin Fans.

Get full show notes and more information here: http://bit.ly/2i6HKq2

Direct download: SHIFTSHAPERS142.mp3
Category:general -- posted at: 6:00am EDT

On part two of this special, post-election edition of the ShiftShapers podcast, we discuss policy ideas that may be seeing a resurgence based on the election outcome and whether these ideas can really bring down costs in the healthcare marketplace.

Jessica Waltman, Principal at Forward Health Consulting and our resident expert on all things legislative and regulatory joins us for part 2 of our look at healthcare in this post-election period.

We discuss the theory being floated that an individual healthcare marketplace will control costs better than the employer-based system currently in place.  We are also hearing a great deal about selling across state lines. Jessica walks us through a practical example of how that theory actually performed in the Georgia market. And finally, we touch on the third rail in healthcare: dealing with hyperinflated and runaway costs on the supply side.

 You can find show notes and more information by clicking here: http://bit.ly/2hFpDXY

Direct download: SHIFTSHAPERS141.mp3
Category:general -- posted at: 11:00am EDT

On part one of this special, post-election 2-part edition of the Shift Shapers podcast, we look at the reality of the "Repeal and replace" strategies and tactics being discussed by the new administration and other health care constituencies.

Jessica Waltman, Principal at Forward Health Consulting and our resident expert on all things legislative and regulatory joins us for a two-part wrap-up on how November's election results will affect the health care and employee benefits universe.  In part 1,  we focus on whether full-scale repeal and replace will happen or if other realities will make large-scale change a more complex and messier process.

You can find show notes and more information by clicking here: http://bit.ly/2hx8onE

Direct download: SHIFTSHAPERS140.mp3
Category:general -- posted at: 11:00am EDT

On this episode of ShiftShapers, our guest is Daniel Wells - the Executive Vice President of Business Development for Endeavor Plus. He'll help us explore what's new in consumer health care plans. We investigate what's working well, what can work better, and tools available that will help self-insured consumers make the best decisions about their health care options.

You can find show notes and more information by clicking here: http://bit.ly/2gXqx1M

 

Direct download: SHIFTSHAPERS139.mp3
Category:general -- posted at: 11:00am EDT

Steve Kelly, the President and Co-Founder of ELAP Services, will help us understand the ins and outs of reference-based pricing, why it's important, and where it will take our industry in the future. Advisors will want to closely examine a metric-based pricing model as they've been shown to provide significant, year-over-year savings.

You can find show notes and more information by clicking here:  http://bit.ly/2gDSpIr

Direct download: SHIFTSHAPERS138.mp3
Category:general -- posted at: 11:00am EDT

In this episode, we explore some of the most common questions advisors ask about self funding and discuss concerns ranging from minimum group size to tools and techniques. Our guest on this episode of ShiftShapers is Adam Russo, Esq., co-founder and CEO of The Phia Group, as well as the founding and managing partner at a law firm, Russo & Minchoff. He believes that, in light of the healthcare reform, the current environment is full of exciting opportunities that many brokers can take advantage of.

We also have a frank exchange about what is behind recent efforts by some Departments of Insurance to try to put the brakes on certain segments of self funding and the potential impact that may have on employers seeking an alternate to the fully insured marketplace.

Get full show notes and more information here: http://bit.ly/2fy71Yc

Direct download: SHIFTSHAPERS137.mp3
Category:general -- posted at: 11:00am EDT

On this episode of ShiftShapers, we're pleased to welcome Sally Poblete, the CEO of Wellthie, to discuss how consumer expectations are influencing technology trends in the health care industry. Since everyone from millennials to baby boomers is eagerly adopting tech tools and mobile devices to manage their daily affairs, it stands to reason that consumers would gravitate toward tools that simplify their health care decision-making process.

You can find show notes and more information by clicking here: http://bit.ly/2fhc2Ey

Direct download: SHIFTSHAPERS136.mp3
Category:general -- posted at: 11:00am EDT

This week on ShiftShapers, Paul Gable, President of IBX, lends his expertise on technology tools in the benefits industry to the discussion. Benefits advisors are being challenged to meet the demand of delivering a higher quality of service with more efficiency to remain profitable. Paul highlights the affordable resources available to help small and mid-sized agencies recapture efficiencies in their businesses and thus save money.

You can find show notes and more information by clicking here: http://bit.ly/2fhhxRO 

Direct download: SHIFTSHAPERS135.mp3
Category:general -- posted at: 11:00am EDT

Brooks Goodison, President of Diversified Group, concludes a two-part discussion on ShiftShapers this week. Brooks points out the pros and cons of reference-based pricing and provides case studies on how these programs compare to traditional PPO contacts.

You can find show notes and more information by clicking here:  http://bit.ly/2ewRCZW

Direct download: SHIFTSHAPERS134.mp3
Category:general -- posted at: 11:00am EDT

In this week's episode, Brooks Goodison, President of Diversified Group joins us to discuss how renewed interest in partially self-insured plans in the small to mid-market has drawn the attention of state regulators. In this first segment of a two-part discussion on ShiftShapers, Brooks helps us sort through the changes underway that target groups that want to move away from fully-insured plans.

You can find show notes and more information by clicking here: http://bit.ly/2ewRCZW

 

 

Direct download: SHIFTSHAPERS133.mp3
Category:general -- posted at: 11:00am EDT

This episode is packed with useful information for benefit advisors: Patrick clarifies some of the DI terminology that can often be confusing.  He goes into detail about the taxation of DI benefits so advisors can better serve their clients while saving them money. He also tackles the classic chicken or the egg question regarding whether Group or Individual coverage is the best first option.

You can find show notes and more information by clicking here: http://bit.ly/2e9m46K

Direct download: SHIFTSHAPERS132.mp3
Category:general -- posted at: 11:00am EDT

Regulatory changes are emerging at a fast and furious pace as we near the end of President Obama's second term, and not all of those changes are directly related to the Affordable Care Act. Jessica describes in detail how these new changes will impact health plans, retirement plans, and health reform requirements. Anyone who sells group insurance will be impacted by these proposed changes.

Additionally, advisors need to be able to communicate quickly and clearly to their employer clients who can face fines and additional documentation requirements once the expansion is finalized. Advisors who understand this new environment will be better positioned to help their clients navigate the changes successfully.

Jessica shares the latest information on everything from the increase in fines and penalties or changes to wellness program requirements.

You can find show notes and more information by clicking here: http://bit.ly/2ehlGaF

Direct download: SHIFTSHAPERS131.mp3
Category:general -- posted at: 11:00am EDT

Jessica Waltman is Principal at Forward Health Consulting and is a regular contributor to ShiftShapers and one of the preeminent experts in how legislative and regulatory changes will affect your practice - and your clients. While we are all focused on the race for president, there is a much broader canvas to watch as well.

There has been renewed discussion of "The Public Option", but Jessica points out that there are differing notions of exactly what that means, and different ways in which it might (or might not) get implemented. Essentially, the public option is a government-run health care program set up to compete with private insurers. Some say it's the only way to save the Affordable Care Act since insurers are pulling out of the individual exchanges. Is it? We ask Jessica for insight.

You can find show notes and more information by clicking here: http://bit.ly/2di4hzv

Direct download: SHIFTSHAPERS130.mp3
Category:general -- posted at: 11:00am EDT

Our subject matter expert this week is Keith Lemer, CEO of Wellnet Healthcare Plan and a founding member of the Healthcare Performance Management Institute - a think tank focused on using technology to bring down the cost of health care.

Regardless of a company's size, without measurable data – process improvement is difficult at best.We invited Keith to discuss how advisors can access relevant data to improve the decision-making processes.

With data, advisors are in a prime position to help their clients make choices that will reduce health care costs, increase compliance, and better control health care dollars spent.

You can find show notes and more information by clicking here: http://bit.ly/2dqADk

Direct download: SHIFTSHAPERS129.mp3
Category:general -- posted at: 11:00am EDT

Is it possible to help people make and sustain long-term behavior changes that yield better health and reduced claims cost?

This week's guest, Ted Borgstadt, CEO of TrestleTree, believes that achieving adherent health behaviors for an unmotivated population is possible through a change in the healthcare model.

You can find show notes and more information by clicking here: http://bit.ly/2cOy9Cr

Direct download: SHIFTSHAPERS128.mp3
Category:general -- posted at: 11:00am EDT

A Thomson Reuters study estimates that health care costs can be cut by $36 billion dollars by helping consumers make smarter decisions. On this episode, Julian Lago, President of Benezon, helps us to learn how advisors can help consumers understand what they don't know and how to make those decisions.

You can find show notes and more information by clicking here: http://bit.ly/2cEj8CD

Direct download: SHIFTSHAPERS127.mp3
Category:general -- posted at: 11:00am EDT

Jessica Brooks, CEO and Executive Director of the Pittsburgh Business Group on Health, shares her expertise on health-focused business groups; potentially a new topic for many listeners. In the past, business groups formed primarily to leverage purchasing power. Today, these coalitions are expanding their focus by using education and advocacy, in addition to the power of the purse, to push for changes in the health care industry at the macro level while bringing new insights and tools to their member employers at the local level.

You can find show notes and more information by clicking here: http://bit.ly/2bZMqYi

Direct download: SHIFTSHAPERS126.mp3
Category:general -- posted at: 11:00am EDT

This week,  Tom Policelli, CEO of Minuteman Health, joins us to discuss the unintended consequences of risk adjustment in the Affordable Care Act. Although it may not have crossed your radar yet, it's important to understand the market uncertainty triggered by the federal government's risk adjustment mechanisms and how that will impact advisors and the clients they serve.

Tom walks us through the three Rs established by the ACA: Risk adjustment, Reinsurance, and Risk corridor. While these were developed to foster market stabilization, we discuss how each program is actually producing the reverse effect - sometimes with disastrous consequences.

You can find show notes and more information by clicking here: http://bit.ly/2bPeC2b

Direct download: SHIFTSHAPERS125.mp3
Category:general -- posted at: 11:00am EDT

Our guest this week is George Reese of Employee Navigator who helps us explore shifts in the industry that makes oft-neglected HR departments a target rich environment for advisors looking for new strategies to expand their practices. Today more than ever, George tells us, HR departments are searching for solutions to streamline ACA-mandated compliance processes. Advisors armed with knowledge and technology can offer a compelling argument market - if they know how to have that conversation.

You can find show notes and more information by clicking here: http://bit.ly/2bc0dKh

Direct download: SHIFTSHAPERS124.mp3
Category:general -- posted at: 11:00am EDT

There are plenty of options available to consumers when it comes to benefits packages. Sal Campanile, Vice President of Workplace Voluntary Benefits and Group Sales for 5-Star, speaks to the shifts on the horizon as well as the opportunities that advisors can leverage by offering voluntary benefits.

You can find show notes and more information by clicking here: http://bit.ly/2bki1US

Direct download: SHIFTSHAPERS123.mp3
Category:general -- posted at: 11:00am EDT

A generational shift has created several generations of Americans who are financially unprepared for retirement, which represents an opportunity for advisors. We explore that and other changes going on at The American College on this episode of ShiftShapers.

You can find show notes and more information by clicking here: http://bit.ly/2aWkJDx

Direct download: SHIFTSHAPERS122.mp3
Category:general -- posted at: 11:00am EDT

Eric Parmenter provides a wealth of information that is sure to help you understand how value-based care differs from the HMO model and benefits providers.  Listen in to learn just how value-based care will impact the future of health-care pricing models.

You can find show notes and more information by clicking here: http://bit.ly/2aiFgjp

Direct download: SHIFTSHAPERS121.mp3
Category:general -- posted at: 11:00am EDT

On this week's episode of ShiftShapers, we chat with Peter Lewenson, the Founder and President of Compliance Bug, who has 20 years of experience with regulated industries including healthcare, financial services, insurance and employee benefits. Peter believes what while compliance is a complicated field, it is a strategic conversation that businesses must be having.

You can find show notes and more information by clicking here: http://bit.ly/2aE3dQI

 

Direct download: SHIFTSHAPERS120.mp3
Category:general -- posted at: 11:00am EDT

Join us on this second part of the conversation as we discuss how the fully insured vs. self-funded landscape is changing, as well as the essential concepts advisors need to understand in that arena. Don't miss this opportunity to find out how you can deliver more value by bringing together clinical expertise, financial understanding, and cost containment.

Get full show notes and more information here: http://bit.ly/29ANmVJ

Direct download: SHIFTSHAPERS119.mp3
Category:general -- posted at: 11:00am EDT

Join us on this conversation as we discuss how the fully insured vs. self-funded landscape is changing, as well as the essential concepts advisors need to understand in that arena. Don't miss this opportunity to find out how you can deliver more value by bringing together clinical expertise, financial understanding, and cost containment.

You can find show notes and more information by clicking here: http://bit.ly/29Gkb1A

 

Direct download: SHIFTSHAPERS118.mp3
Category:general -- posted at: 11:00am EDT

It's difficult for a benefits advisor to communicate with employees on an on-going basis because most advisors only have access to employees once or twice a year around open enrollment. This is compounded by an interesting phenomenon that occurs shortly after each and every open enrollment - regardless of client size or industry.

You can find show notes and more information by clicking here: http://bit.ly/295K4Wx

 

Direct download: SHIFTSHAPERS117.mp3
Category:general -- posted at: 11:00am EDT

Joel Ray is the chairman and CEO of New Benefits joins us on this week's podcast to share helpful information about what non-insured benefits are available and how advisors can incorporate them with their clients, and how to use them as a differentiator with prospects.

You can find show notes and more information by clicking here: http://bit.ly/292qbjE

Direct download: SHIFTSHAPERS116.mp3
Category:general -- posted at: 11:00am EDT

In an earlier episode, we examined the structure and context of the DOL's newest edict. And while it is great to know the ins and outs of the rule, the more pressing question for practitioners is what it actually means at "ground level". That aspect of the rule has been missing in some of the recent press coverage, so ShiftShapers went to an expert and educator to learn more. This is especially important information for benefits advisors who occasionally find themselves in areas covered by these regulations and for those who may be thinking about expanding their practices into those disciplines.

You can find show notes and more information by clicking here: http://bit.ly/1UA9j2S 

Direct download: SHIFTSHAPERS115.mp3
Category:general -- posted at: 11:00am EDT

Helping consumers engage more easily with your services can help you maximize your efforts and your profitability. But what components do you need and how do you deliver them for best effect?

Veer Gidwaney, the co-founder and CEO at Maxwell Health, joins us this week to answer these questions and more. He has extensively studied benefits technology platforms and shares his knowledge about how we can seamlessly integrate benefits enrollment, management, and other tools to redefine the way clients understand managing their health.

You can find show notes and more information by clicking here: http://bit.ly/1UkXpxL

Direct download: SHIFTSHAPERS114.mp3
Category:general -- posted at: 11:00am EDT

In her last quarterly visit with us, Jessica Waltman profiled the Ds vs. the Rs regarding the Employer Health Tax Exclusion. A lot has happened since then. In this episode, we explore some recent Congressional hearings on the matter and alternatives being offered from across the political spectrum. You may be surprised by some of the political alignments on this most important issue!

You can find show notes and more information by clicking here: http://bit.ly/1t26XUj

Direct download: SHIFTSHAPERS113.mp3
Category:general -- posted at: 11:00am EDT

On this episode, we welcome Chad Schneider, Chief Sales Officer at Code SixFour, who has extensively studied practices around the country and has keen insights into how the most successful advisors are either hanging out "Consultant" shingles or are taking a more consultative approach to working with their prospects and clients.

Get full show notes and more information here: http://bit.ly/1sToCh9

Direct download: SHIFTSHAPERS112.mp3
Category:general -- posted at: 11:00am EDT

Jeremy Pincus, Principle at Forbes Consulting Group, studies the topic and believes that it is crucial to more productivity and happier clients. Jeremy explains what that useful offshoot of economics and psychology is all about and why “there’s a factor of emotion all the way going back to policy design, it isn’t just at point of sale.”

In our conversation, we learn the science that explains why giving prospects and clients fewer choices is key to successful sales.  Jeremy explains the concept of “focalism” and how it plays into the sales equation. We also gain insights into the paradox of choice and the hidden forces behind every decision our clients make.

Get full show notes and more information here: http://bit.ly/1TNt8U3

Direct download: SHIFTSHAPERS111.mp3
Category:general -- posted at: 11:00am EDT

This week, we welcome Tony Boquet back to the podcast. In his "day" job, Tony is Vice President and Adjunct Professor at the American College. Last time we chatted, he told us about changes at the college, but this conversation centers around his new book, The Bloodline of Wisdom: The Awakening of a Modern Solutionary. 

Get full show notes and more information here: http://bit.ly/1Tc0a0k

Direct download: SHIFTSHAPERS110.mp3
Category:general -- posted at: 11:00am EDT

On this episode of the ShiftShapers Podcast, we discuss why using statistics to market LTC is no longer the best method to use and what advisors should change in their approach to achieve better results.

Get full show notes and more information here: http://bit.ly/1SWzws4

Direct download: SHIFTSHAPERS109.mp3
Category:general -- posted at: 11:00am EDT

Learn how you can expand your practice by seamlessly integrating your client’s retirement planning with the benefit advisement you already offer.

Get full show notes and more information here: http://bit.ly/26CswtN

Direct download: SHIFTSHAPERS108.mp3
Category:general -- posted at: 11:00am EDT

With all of the news around the new DOL ruling and with the increased interest in self-funding, Adam explains what it means to be a fiduciary, how problems and challenges crop up and a few ways to handle them. We also discuss the liability that attaches to this role and some new tools that help plans deal with the complexity and the liability.

Get full show notes and more information here: http://bit.ly/1QpZQIF

Direct download: SHIFTSHAPERS107.mp3
Category:general -- posted at: 11:00am EDT

John Stoner is the Founder and President of The Stoner Organization and he is graciously offering ShiftShapers listeners the factfinder he has developed and uses with his clients. 

Get full show notes and more information here: http://bit.ly/1WxlD8L

Direct download: SHIFTSHAPERS106.mp3
Category:general -- posted at: 11:00am EDT

On this episode of ShiftShapers, we’re pleased to welcome Meghan Dotter, Principal at Portico PR, back to the program to talk about some of the common mistakes people make when working on printed communications, websites, and presentations.

Get full show notes and more information here: http://bit.ly/1Wj5iVa

Direct download: SHIFTSHAPERS105.mp3
Category:general -- posted at: 11:00am EDT

How can benefit advisors help employers to understand the telemedicine value proposition and what can they do to assure successful implementation and utilization?  Don’t miss this important discussion on what it takes to build a consumer-grade front door to medicine and to create a different consumer experience.

Get full show notes and more information here: http://bit.ly/1V0M0nR

Direct download: SHIFTSHAPERS104.mp3
Category:general -- posted at: 11:00am EDT

Scott explains how our tactics often turn away potential clients and what we can do differently to make prospects chase after us and our expertise.

We also discuss Scott’s step-by-step formula for making our prospecting more effective and connecting with our target market. Finally, Scott shares the Million-Dollar Prospecting Marketing Lesson that every broker should consider using to attract new clients.

Get full show notes and more information here: http://bit.ly/1PvrGCQ

Direct download: SHIFTSHAPERS103.mp3
Category:general -- posted at: 11:00am EDT

Jim shares his thoughts on how long it will take for telemedicine to become widely accepted by patients. We also explore how telemedicine and some of its components have begun making it easier for those users to become true consumers. We also discuss what needs to happen in order to drive customer engagement and what advisors can do to increase the uptake of Telemedicine.

Get full show notes and more information here: http://bit.ly/1pt8GzL

Direct download: SHIFTSHAPERS102.mp3
Category:general -- posted at: 6:00am EDT

In this engaging conversation, we discuss how brokers can get started with life and the pros and cons of going it alone versus creating strategic partnerships. We also explore techniques advisors can use to approach prospects and clients, such as policy review and others. To gain more knowledge, Brian suggests leveraging wholesalers to gain both product and conceptual depth. We wrap up the conversation by talking about different life insurance policies and today's popular combination products that create a nice fit with work many advisors are already doing with their clients.

Get full show notes and more information here: http://thesaltzmangroup.com/life-insurance-brian-heckert/

Direct download: SHIFTSHAPERS101.mp3
Category:general -- posted at: 7:00am EDT

Dr. Levi joins us today to talk about how Best Doctors came about and shares some shocking findings that they have recently reported. We talk about the importance of technology and data analytics in being able to do their jobs more efficiently and accurately. We also discuss how their comprehensive reviews of medical cases can help reduce health care costs.

Get full show notes and more information here: http://bit.ly/1QMFtWt

Direct download: SHIFTSHAPERS100.mp3
Category:general -- posted at: 6:00am EDT

In this conversation, we talk about what you need to look for in your practice and how to keep a high touch environment while using technology to take the burden of every-increasing client demands for higher levels of customer services off your support staff. Julian is a Regional Vice President of the National Association of Health Underwriters and spends a great deal of time talking with benefit advisors who share the same common needs: being able to find time to build their practices while delivering world-class customer service without breaking the bank.

Get full show notes and more information here: http://bit.ly/1Oxranl

Direct download: SHIFTSHAPERS099.mp3
Category:general -- posted at: 6:00am EDT

In this wide-ranging discussion, we cover how taking ownership of client problems may lead you to saving money, and when it makes sense to implement onsite clinics and pharmacies and how that may impact the pharma and medical spend. We also talk about how Russ has created a proprietary physician network and what it did for their firm, as well as how they discover “at-risk” employees and what conditions they find most prevalent within a given population.

Get full show notes and more information here: http://bit.ly/1TuvRpP

Direct download: SHIFTSHAPERS098.mp3
Category:general -- posted at: 6:00am EDT

Al joins us to share his interesting journey that started at Harvard Law School and led him to creating Quizzify. In this interesting and engaging conversation, we discuss the current health care literacy issues and Al’s unique approach to solving those problems. We cover how Quizzify integrates with companies’ wellness programs and what those employer conversations look like.

Get full show notes and more information here: http://bit.ly/1KeRrfn

Direct download: SHIFTSHAPERS097.mp3
Category:general -- posted at: 6:00am EDT

Join us to discover why Rick believes that “transparency” is the new “throw away word” in the benefits arena and what “fiduciary level transparency” is.  We also discuss the distinction between data warehousing and "real-time data". Rick helps us to understand how some vendors game plans and what plans and plan sponsors can stop those practices that add unnecessary cost and complexity - all in an effort to drive down costs.

Get full show notes and more information here: http://bit.ly/1PFHFTz

Direct download: SHIFTSHAPERS096.mp3
Category:general -- posted at: 6:00am EDT

Jessica joins us to share her insights and unparalleled knowledge of what’s going on in Washington this election season. In this engaging conversation, we talk about what Jessica sees in the political future, where the presidential candidates stand on health care, and discuss the best and worst scenarios that benefit advisors might expect.

Get full show notes and more information here: http://bit.ly/1nRC7uJ

Direct download: SHIFTSHAPERS095a.mp3
Category:general -- posted at: 6:00am EDT

As all agencies work to deliver value added services, Tom's believes that being able to deliver real-time information across a wide range of topics helps to create and deepen client relationships.

Communication leads to extraordinary success in any agency. Don't miss this opportunity to discover the success strategies of one of the most forward-looking agencies in the country.

Get full show notes and more information here: http://bit.ly/1QjeRPu

Direct download: SHIFTSHAPERS095.mp3
Category:general -- posted at: 6:00am EDT

We talk about a brand new device that Dr. Qamar is bringing to market - a mouse-sized piece of technology that has the potential to revolutionize patient's interactions with their physicians. This new technology will not only allow physicians to spend more time but appropriate time with clients. Tune into this insightful exploration of the new technologies that are coming to the market that can help extend our virtual interaction with primary care providers.

 

Get full show notes and more information here: http://bit.ly/1WcBN5i

Direct download: SHIFTSHAPERS093.mp3
Category:general -- posted at: 6:00am EDT

In this first of our two-part interview, we asked Samir to talk about the ins and outs of the direct primary care model and share his unique journey into that field. We also talk about how the direct primary care pioneers were able to get the DPC inserted into the ACA and how DPC realigns incentives. We also explore how DPC might be a good fit for clients struggling with today's increased personal responsibility amounts, and how they coordinate with and complement high deductible plans.

Get full show notes and more information here: bit.ly/1mKHjjc

Direct download: SHIFTSHAPERS092.mp3
Category:general -- posted at: 6:00am EDT

Mark describes new ways that benefit advisors can easily visualize potential prospect relationships from massive amounts of publicly-available data. We also discuss how you can interface your data findings with LinkedIn to help create offensive and defensive strategies that deepen and strengthen existing client relationships.

Get full show notes and more information here: http://bit.ly/1kAky08

Direct download: SHIFTSHAPERS091.mp3
Category:general -- posted at: 6:00am EDT

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