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        <Name>CMS CEO Responds to Star Ledger Article</Name>
        <Summary>Benefits of Pre-Planning Outlined</Summary>
        <Description>
&lt;P&gt;The September 7th edition of The &lt;EM&gt;Star Ledger&lt;/EM&gt; (New Jersey) included 
an article entitled, "The Cost of Dying: Planning Now Can Save Loved Ones Later" 
that failed to truly detail the financial and emotional benefits of 
pre-arranging for your final cemetery resting site.&lt;/P&gt;
&lt;P&gt;To ensure that readers and residents of New Jersey and surrounding areas are 
adequately informed, CMS CEO Bernard E. Stoecklein, Jr. drafted a letter to the 
editor. The letter's message appears below:&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;&lt;EM&gt;Dear Editor: 
&lt;P&gt;&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;&lt;EM&gt;While the 
headline &amp;ldquo;Cost of Dying: Planning Now Can Save Loved Ones Later&amp;rdquo; (Sept. 7) 
implied that the article would address the benefits of pre-arranging, it failed 
to include key financial and emotional reasons why prearrangement should be 
addressed sooner rather than later. 
&lt;P&gt;&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN style="FONT-SIZE: 11pt"&gt;
&lt;P&gt;&lt;FONT face=Arial color=#000000&gt;&lt;EM&gt;&amp;nbsp;&lt;/EM&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;&lt;EM&gt;The cost of 
everything is increasing. While funerals and cemetery property are not immune to 
inflation, pre-planning provides significant savings because it locks in today&amp;rsquo;s 
prices. Convenient payment plans are offered and once cemetery lots and crypts 
are paid in full, families do not incur any additional charges. &lt;/P&gt;
&lt;P&gt;&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN style="FONT-SIZE: 11pt"&gt;
&lt;P&gt;&lt;FONT face=Arial color=#000000&gt;&lt;EM&gt;&amp;nbsp;&lt;/EM&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;&lt;EM&gt;A misconception 
exists that insurance is to help with funeral expenses and cemetery property. 
Insurance is to help families adjust to the loss of income that a death causes. 
If prearrangements are not made, a portion of the insurance will need to help 
with the funeral and cemetery expenses &amp;ndash; contributing more to the family&amp;rsquo;s 
financial burden. &lt;/P&gt;
&lt;P&gt;&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN style="FONT-SIZE: 11pt"&gt;
&lt;P&gt;&lt;FONT face=Arial color=#000000&gt;&lt;EM&gt;&amp;nbsp;&lt;/EM&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;&lt;EM&gt;Pre-arrangement 
allows couples to plan together -- sparing the surviving partner the heartache 
of making arrangements alone during an emotional time and gives people the peace 
of mind that their final wishes will be carried out. &lt;/P&gt;
&lt;P&gt;&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN style="FONT-SIZE: 11pt"&gt;
&lt;P&gt;&lt;FONT face=Arial color=#000000&gt;&lt;EM&gt;&amp;nbsp;&lt;/EM&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;&lt;EM&gt;When families 
take all of these factors into consideration, pre-planning today really can save 
loved ones later.&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT 
face=Arial&gt;&lt;EM&gt;&lt;/EM&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;
&lt;P class=MsoNormal style="MARGIN: 0in 0in 0pt"&gt;&lt;SPAN 
style="FONT-SIZE: 11pt"&gt;&lt;FONT color=#000000&gt;&lt;FONT face=Arial&gt;The editor of 
&lt;EM&gt;The Star Ledger&lt;/EM&gt; is in receipt of Mr. Stoecklein's letter. Check back 
soon to learn if the letter was printed in the paper.&lt;/FONT&gt;&lt;/FONT&gt;&lt;/SPAN&gt;&lt;/P&gt;</Description>
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                 <Keyword>Bernard Stoecklein</Keyword>

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                 <Keyword>New Jersey</Keyword>

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