Welcome to March, where we join the CPCU Society and other insurance organizations to celebrate National Ethics Month.

An odd thing happened on the way to this month's article. I had a couple of long-delayed wisdom teeth pulled. To make a long story short: Painful complications ensued, I ended up with a broken jaw that now houses enough metal and cable to supply a Third World country's electrical grid, and at the time of this writing, I'm drifting in and out of a haze of pain pills and muscle relaxants.

So what seemed like a simple, seemingly isolated decision has had a major impact on my wife, church friends, organizations with whom I work and others.

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