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There are changes in the way we conduct Medicare business and in how we submit Medicare business for 2021 AEP.  The pandemic caused by COVID-19 forces virtual in various forms of communications on the plus side, increases working time by eliminating drive time.  On the down side my guest, Sandra Garza, gives us her feelings about not having the face to face touches.  The new normal brings pluses for the most part.  Enjoy!