The Kiwanis Club of Baytown was privileged to have one of our own present the March 23 program. Local Farmers Insurance agent Chad Merling provided an overview of the various types of insurances and gave insight into the "little things" we need to be aware of when renewing our policies. And to his credit, Chad never made a pitch to promote his insurance agency, thus avoiding the dreaded $1 Kiwanis fine for promoting business during club meetings! Thank you, Chad, for an informative program (so glad Bill Lucas was there to help you out along the way)!