Mark A. Kovel Sr.

I have served as an Insurance Executive for nearly 50 years. Over that time I have managed the insurance needs for many large business clients. The experience provided considerable insight into the day-to-day challenges faced by these commercial entities. Over regulation has added substantial overhead and growth restrictions. As a history buff I started to explore how America evolved from a free enterprise democracy into a over regulated over taxed socialist oriented government. I wrote FREEFARE to examine how this evolution took place and outline where we may be headed if the bleeding heart Liberals continue to regulate everything they touch. Recent political races have served to validate my contention that FREEFARE is on the horizon (Free tuition, forgiveness of student loans, direct payments to poverty level individuals).