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It’s time for

Issue 33 | October 2016

Are You Ready for Some Football?! Fall! It’s one of my favorite times of the year. I enjoy the cooler temperatures, the scenic autumn landscapes and the overall spirit of camaraderie and goodwill that abounds, but if I am completely honest, the joy and excitement I experience when summer makes its exit and autumn ushers in has a lot to do with “FOOTBALL SEASON!” Friends tailgating on Saturday, family gathering on Sunday or Dad holding Monday night vigils in front of the big screen, signal the summer’s heat has now been replaced with fans’ fiery spirit. Whether donning Garnet and Gold, Orange and Green, or Blue and Orange –our teams may differ, our love and enthusiasm for the game is universal! I am a Florida State Seminoles fan and have been since I was a student at FSU. I remember like it was yesterday, I sported my garnet and gold for the exciting Seminole play under legendary Coach Bobby Bowden. The proud moments of our perfect record of the 1999 National Championship year, the blistering Florida and FSU matchups and the unforgettable “Wide Right” and “Wide Left” missed field goals against the ‘Canes —are still emblazoned in my mind.

Today, as we continue our great legacy under Coach Jimbo Fisher, believe me when I tell you, my enthusiasm has not waned one bit. Go Noles! However, as much as I enjoy watching the game of football, both collegiate and professional, for its spectacular play, entertaining fan antics and nail-biting, edge of your seat lastquarter close calls -- I take away a lot of valuable lessons from the sport as well. Teamwork – Each member of the team has a definitive role, even those on the second and third strings contribute to the whole. The quarterback is no more instrumental to the team than a linebacker or running back. The teams with the greatest wins embrace this concept. Discipline – Football requires players to practice hard. They have to spend hours daily running plays and conditioning during workouts. As much as they have to challenge themselves physically, they have to employ mental discipline as well. Time at the breakfast table, in the weight room, in the locker room, on the field and all the times in between, require they be disciplined and focused to excel.

Perseverance – In football certainly there are those spectacular plays – a 50-yard pass down the field into the end zone or a 30-yard run after the interception to score the touchdown. However, the majority of the time, the game is not won with the showstopping plays, but victories gained inch by inch, yard by yard. The late Vince Lombardi, wellrespected former NFL coach and football player said, “Football is like life – it requires perseverance, self-denial, hard work, sacrifice, dedication and respect for authority.” As we revel in the season -- stocking our game-day snacks, filling our coolers for tailgating, and communing with close friends and family, let’s not only enjoy this great sport, but take some time throughout the year to apply some of the great life lessons it embodies!

Ability is what you’re capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz

Mission To proactively educate and assist Florida’s insurance and financial consumers through responsive, professional and innovative service. Vision The Division of Consumer Services, with its value driven approach to customer service, will be the leading advocate for Florida consumers with insurance and financial issues.  The Division will be recognized for its commitment to increasing consumer knowledge of insurance and financial matters, its exceptional standards of performance and productivity, and its high level of quality service.   2016 Division Goals Goal 1 Identify a minimum of 10 Legislative Proposals that have the potential to establish increased consumer protections and provide expanded consumer education. Goal 2 Review and modify the NOI Process to ensure all potential and actual violations of law are identified, appropriately referred to the regulating entity and feedback is provided as to the resolution of the NOI. Goal 3 Ensure staff possesses the highest level of insurance knowledge and consumer advocacy attributes by identifying and providing needed training, by recognizing and addressing audit deficiencies and by analyzing data and information to determine missed advocacy opportunities. Goal 4 Provide more consumer educational opportunities by creating a consumer complaint data portal, implementing new marketing strategies to promote the Division’s programs and developing educational material that focuses on providing consumers with information on complex insurance topics. Goal 5 Explore and leverage current technology to interact and reach more consumers, to further streamline the alternative dispute resolution programs, to analyze data through the use of data analytics and to improve support and resources for call center functions.

The Face Says It All By Denise Hart

“A picture is worth a thousand words,” as the saying goes. In the case of John Hurley, a photo taken during the Florida State game against Ole Miss has inspired a barrage of lighthearted words (memes) on the Internet. Right after the Seminoles blundered a play and fell 28-6 to the Rebels just before halftime, John’s priceless expression was captured by an ESPN cameraman and broadcast.

Like that, our very own John became an instant internet sensation, of sorts, with screen shots of his image popping up all over social media.

“I’ve gotten a lot of recognition. After the game, a reporter from the Tallahassee Democrat called me and wrote a story. At the Downtown Get Down, a Showtime reporter interviewed “Right after Dalvin Cook fumbled me and they ended up -- the worst moment of the broadcasting my photo during a game -- the ESPN cameraman quick segment as well,” he said. showed my face,” said John. Although, John’s pained “I think my look captured what expression has garnered quite everyone else felt,” he said. a bit of recognition for him, he “I was not a happy camper,” says what that image captured is John said of the season opener far from his normal disposition. being played in Camping World Stadium in Orlando. “My co-workers were surprised when they saw that expression,”

said John. “Around here I am a happy guy. Even on the phones, I stay calm,” he said. But when John, who has followed the Seminoles since former coach Bobby Bowden’s first year at FSU, couldn’t find the words for what he was witnessing during that game -- he let his face tell the story. The Seminoles now have three games behind them and memes with John’s face have resurfaced after each one. He even had a friend who now lives in Seattle, Washington send him a meme on Facebook after FSU’s devastating loss to the Louisville Cardinals. “I think the memes are kind of neat,” John said. “I am amazed the photo took off the way it did.” John, who is a season ticket holder and attends all the home games with his wife, Debbie, says although the “celebrity” has been nice, he hopes not to have this expression reappear during a game because for the remainder of the season, he wants the Seminoles to win and do so decisively!

Here’s a look at a few of the John-inspired memes:

New Employee

SPOTLIGHT Thank you to the following employees for agreeing to share their stories.

Briefly tell us about your life prior to Consumer Services. I have been in the insurance field either as an agent or agency manager for the last 12 years. What are your new job responsibilities? Answer the Consumer Helpline and take Service Requests as needed.

Jibri Knight Tallahassee Office

Briefly tell us about your life prior to Consumer Services. I worked for the State of Indiana for over eight years in the Family and Social Services Administration (FSSA) and prior to that I worked at Anthem Blue Cross Blue Shield. What are your new job responsibilities? I am a Staff Assistant for the Florida Department of Financial Services, Division of Consumer Services in Largo. I help the Insurance Specialists while they assist the fine citizens of Florida. What are some of your favorite things to do outside of work? I love to read while at the beach, listen to music while at the beach, basically anything while at the beach, ha-ha! Oh,

What are some of your favorite things to do outside of work? I like to spend time outdoors playing with my daughter. What movie or TV show do you take guilty pleasure in watching? I don’t watch a lot of TV. Name one thing most people would be surprised to find out about you. Well now, some things we must keep to ourselves!!

and gardening and fishing since that is done outside as well. What movie or TV show do you take guilty pleasure in watching? I loved Breaking Bad while it was airing on TV. I also have a crush on Matthew McConaughey. I loved him in Dallas Buyers Club and True Detective. He is a very talented actor. I think I would enjoy listening to him reading a phone book if they still made them! Name one thing most people would be surprised to find out about you. I learned to water ski when I was seven years old after begging my parents to let me learn for about three years.

Carol Roehling Largo Office

Briefly tell us about your life prior to Consumer Services. Prior to Consumer Services, I worked for USF St. Petersburg as a journalism faculty member teaching news writing, public affairs reporting and entrepreneurial journalism classes. Other career activity includes insurance consulting for colleges, universities and associations and an agent and broker.

Loretha Cleveland Largo Office

Briefly tell us about your life prior to Consumer Services. Prior to joining Consumer Services, I was employed with the Department of Economic Opportunity for about two years as a Security Rep I (OPS). I also worked with the Department of Children and Family as a SelfSufficiency Specialist. What are your new job responsibilities? As an Insurance Specialist I, I assist applicants, licensees and company representatives with questions or concerns regarding application status, continuing education credits, appointment status or regulatory issues as related to the application process.

What are your new job responsibilities? All the various duties and responsibilities of an Insurance Specialist lll.

What are some of your favorite things to do outside of work? I enjoy spending time with family, attending church and fishing. What movie or TV show do you take guilty pleasure in watching? My favorite old movie is “Sleepless in Seattle” – probably watched it at least a dozen times! Name one thing most people would be surprised to find out about you. That’s a secret!

What are some of your favorite things to do outside of work? Outside of work, I enjoy spending time with family members and close friends (small gatherings) and shopping. What movie or TV show do you take guilty pleasure in watching? Favorite Movie: “The Little Rascals” (1994). Name one thing most people would be surprised to find out about you. One thing most would be surprised to find out is that I enjoy fishing.

Sheryl Walters

Tallahassee Office

Briefly tell us about your life prior to Consumer Services. Most of my career has been in the insurance business and/or marketing. My previous employer was Bankers Insurance Group where I worked as an Auditor for approximately 16 years. I have two children ages 24 and 18.

Ilene McCloskey Largo Office

What are your new job responsibilities? Insurance Specialist III

What movie or TV show do you take guilty pleasure in watching? “The Big Bang Theory,” “Veep,” “The Good Wife,” “Downton Abbey,” and “Sex and the City.” Name one thing most people would be surprised to find out about you. I am from Plant City, FL. I have spent my whole life in Florida and love it here!

What are some of your favorite things to do outside of work? Reading, going to the beach, watching baseball, and most of all, spending time and traveling with my children.

Briefly tell us about your life prior to Consumer Services. I worked with the Division of Workers’ Compensation as a Medical Healthcare Program Analyst.

What are some of your favorite things to do outside of work? Entertain, travel, read, listen to music, personal development, spend time with friends and family, and help within the community.

What are your new job responsibilities? My responsibilities include working as an Insurance Specialist II to assist applicants, licensees and company representatives with questions or concerns regarding application status, continuing education credits and compliance, appointment status or regulatory issues as it relates to the licensing and application process.

What movie or TV show do you take guilty pleasure in watching? TV Land or Bounce and Old School movies. Name one thing most people would be surprised to find out about you. I love to collect stuffed animals.

Lolita Hawkins Tallahassee Office

Briefly tell us about your life prior to Consumer Services. Prior to Consumer Services, I was in the Early Childhood field. I have worked with children for the last 14 years. I love that field but needed something new. What are your new job responsibilities? Assisting consumers with licensing and unclaimed property questions/issues.

Tamara Rosier

Tallahassee Office

around children and going to church! What movie or TV show do you take guilty pleasure in watching? The movie, “Love and Basketball” and TV show, “Saving Hope.” Name one thing most people would be surprised to find out about you. I plead the fifth!

What are some of your favorite things to do outside of work? I love reading, cooking and writing. I love being with my family and friends, spending time

Briefly tell us about your life prior to Consumer Services. I worked at Florida State University Police Department as a Records Assistant.

What movie or TV show do you take guilty pleasure in watching? My favorite movie is “The Notebook” and I enjoy many TV shows.

What are your new job responsibilities? Assisting customers with licensing and unclaimed property issues.

Name one thing most people would be surprised to find out about you. I want to go skydiving.

What are some of your favorite things to do outside of work? Be around family and friends, play volleyball, paint/draw and write poetry.

Robyn Beltz

Tallahassee Office

Welcome to our team!

Stories Thank you for making a difference

Pam Greene Tally I

The healthcare provider contacted our office for help in obtaining payment for services provided to a Blue Cross Blue Shield insured. Our Division contacted the company requesting documentation on why the claim had not been paid since the services were provided eight months earlier. The company provided a response but the company needed more time to research the issue. In the follow-up response from the company, they stated their Medical Review Department evaluated the claim and determined to pay based on policy benefits. The company paid the provider $7,639.89.

A Collier County consumer filed a complaint against the insurance company due to a claim being denied after the company sent two settlement offers. The consumer fell down the stairs with paint in his hand. The consumer was fine, but ruined carpet on two different floors. When the claim was filed, the company initially sent the consumer a settlement offer; however, the consumer was not in agreement with the amount offered. When the consumer questioned the offer, the company offered a second settlement amount. Based on that amount, the consumer had the carpet replaced. Once the Sarah Law company received the request for reimbursement, it denied Tally II the claim. The Division contacted the insurance company on behalf of the consumer to determine why a settlement amount was offered if the claim was not a covered loss. The company admitted to sending the consumer two settlement offers in error and agreed to pay the second settlement offer to the consumer for $1,687.50.

Faith Hope Hannah Largo I

A Lee County consumer contacted the Division for assistance with his homeowners claim denial concerns. He purchased his policy in 2008 and informed the insurance agent the property was for sale. He also contacted his agent to inform him of the names of his tenants as he believed that was the appropriate step to take when the property was occupied. However, he filed a claim and was informed by the company verbally that coverage was not afforded as the property was not owner occupied. He was unaware that the policy he purchased was incorrect; he and his wife never resided at that specific property and the agent was fully aware of it. Additionally, as indicated earlier, the consumer provided the agent with the name of his tenants.

The insurance company accepted full responsibility for the agent’s error and paid the claim as a homeowners policy, not as a dwelling fire policy, which is the appropriate coverage sold when the property is not your main residence and/or is an income/ vacation property. The insurance company paid the consumer $32,988.62.

A kidney cancer patient was initially denied a second abdominal scan to determine treatment. Thanks to Peggy, the insurance company allowed the diagnostic testing. The consumer was very thankful and stated: "Dear Ms. Collins:

Peggy Collins Largo II

As we discussed, you asked me to let you know if Blue Cross Blue Shield called me. They have!!!!! You must have waved a magic wand. You deserve a promotion or pay raise but they have to give you a pat on the back. My weekend will be more peaceful and calm thanks to you and The Department. Complaint # 1-879393426 should be closed. God Speed to everyone. Thank you."


Performers These Specialists handled the most calls in the third quarter of 2016.

Lavon Williams

Evelyn Fedd

Tally III 3,180 total calls answered

Tally IV 3,217 total calls answered

Great job!

Tally III Tally III handled 17,163 calls for this quarter.

Jeanee Byrd

Elise Samuels

Lavon Williams

(Rehabilitation & Liquidation) 41 calls answered

(Unclaimed Property) 768 calls answered

(Agent & Agency Services) 2,435 calls answered

Tally III welcomed Lolita Hawkins and Sheryl Walters to the team. Both Lolita and Sheryl are involved in training and shadowing daily. We are looking forward to them joining us on the Helpline in late October.

Tally IV Tally IV handled 16,833 calls for this quarter.

Lue Sender Robinson

Evelyn Fedd

(Rehabilitation & Liquidation) 74 calls answered (Unclaimed Property) 1,392 calls answered

(Agent & Agency Services) 2,410 calls answered

Tally IV welcomed Robyn Beltz and Tamara Rosier to the team. Both Robyn and Tamara are involved in training and shadowing daily. We are looking forward to them joining us on the Helpline in late October. With the addition of four new employees in Tally III and Tally IV, training is in full swing. Sebrina Washington is in high gear leading training for all four of our new employees, preparing them for the Helpline.



By Schronda Chestnut

I would like to recognize the members from my team who handle the Gatekeeping for the Division:

Mary Alayoku

Deneen Thorpe

Tomika Gillison

Tiffany Whitfield

Letricia Walker-Williams

Great job! This group of five individuals are responsible for processing every email, fax and web submission, as well as all interoffice and postal mail that is received for our Division. This detailed processing requires: • • • • • • •

Review of the correspondence. Query of ServicePoint for duplicate contacts and/or Service Requests. Creation of new Service Requests for all Alternative Dispute Resolution programs. Creation of new Service Requests for the Correspondence Unit. Creation of new Service Requests for the Insurance Consumer Helpline. Attaching additional information to existing Service Requests. Referring consumers to other agencies.

Total New SR’s Created: July: August: Sept: Total:

939 1157 1283 3379

Total SR’s with Source: Web or Web-Proc* July: August: Sept: Total:

386 476 456 1318

*The Source of Web or Web Proc represents the requests that are submitted via the Division’s Online Helpline portals. All of these requests are reviewed by the gatekeeping team prior to being assigned to a Helpline or ADR Team Specialist.

employees of the


Tomika Gillison

Leslie Webb

Bureau of Education, Advocacy & Research

Office of the Director

Jacqueline Weyant Bureau of Consumer Assistance

Holocaust Assistance Program By Lynn Grossman Holocaust Claims Coordinator Division of Consumer Services

The Holocaust Assistance Program provides assistance to Florida Holocaust survivors seeking to recover proceeds from an insurance policy issued to a Holocaust victim, and restitution for Nazi-confiscated bank accounts, art and property. Although many of the deadlines have passed for submitting claims to compensation programs, it might still be possible to submit a claim directly with the financial institution or with remaining open restitution funds. This Program assists Florida Holocaust survivors in figuring out what restitution funds or financial assistance programs they might be eligible for and then assisting them in filling out the paperwork to submit the claim. Education and assistance is provided to Holocaust survivors regarding restitution programs from Germany, Poland, Czech Republic, France, Austria, Hungary and others. Information and assistance is also provided to individuals seeking access to much needed home health care services. The Program also assists survivors in obtaining wire transfer fee waivers on all European reparation payments. Survivors were being assessed an international wire transfer fee, ranging from $10 to $40 a transaction. This transaction fee amounted to a 10 percent tax on each payment; the survivor received a significant financial burden considering that a vast majority rely on these payments. Currently, 25 financial institutions in Florida are participating in the Fee Waiver Program and have agreed to waive the wire transfer fee on reparation payments. As a result of the efforts of the Department of Financial Services to assist Holocaust victims (since 1998),

over 7,655 claims from Florida residents have been processed through European Settlement Funds. To date, Florida residents have received positive decisions totaling $24,301,003. In addition, each year over 750 Florida Holocaust Survivors are provided assistance in submitting restitution claims to European Settlement Funds, accessing free home health care for those who qualify for that service, and accessing emergency dollars for medical needs, dental expenses and home repairs. The Department’s contracts with the five Holocaust Assistance Programs in the state of Florida provide an opportunity for more Florida survivors to apply for and receive financial assistance. Social workers from these programs are qualified and trained to provide home visits to the Holocaust survivors’ homes and assist them in filing out applications for financial assistance, home health care, or claim forms to submit to European Settlement Funds. One Florida Holocaust survivor who did not know which company her father had an insurance policy with submitted an application with an assistance program and through research in the archives of the country of origin, the program found the information needed to go to the insurance company that issued the policy. She received a payment of $240,000. Another Florida survivor who was in need of financial assistance, submitted an application with a settlement fund and was awarded an additional $100 a month and free vitamins.


Mock Insurance Village By Iker Aranguren On September 22, 2016, the Department of Financial Services hosted the Mock Insurance Village in Tampa. Fortunately, Florida had been hurricane-free for more than 10 years. Despite our good luck, we knew it would be only a matter of time before a storm would hit our shores and we would need to be prepared. As was evidenced recently with hurricanes Hermine and Matthew. When telephone and internet lines are down, the Department’s response includes establishing an insurance village in the affected areas so we can assist consumers through the insurance claims process and help them to recover as quickly as possible. This Mock Insurance Village was located in the parking lot of a Walmart Supercenter. On hand was the Division of State Fire Marshal, Division of Agent and Agency Investigations and multiple insurance carriers -- Citizens Property Insurance Corporation, American Integrity, Liberty Mutual, Heritage Property & Casualty and Homeowners Choice Property & Casualty Insurance Company.

Consumer Services staff

The day began when we arrived at 7:30 a.m. and began unloading the two trucks to set up our tarp, tables, chairs, laptop computers, printers, banners, marketing brochures, etc. Everyone did a great job and by 8:30 a.m. we were ready to go! The event started at 10:00 a.m. with Tasha Carter, Division Director, welcoming everyone and introducing CFO Jeff Atwater and Insurance Commissioner David Altmaier, who addressed the audience. Tasha also introduced insurance carriers’ representatives who also spoke to the audience. Once the addresses concluded, consumers were invited to walk around, visit the booths and ask questions. Overall, the event was very successful and a great learning experience! Take a look at some of the day’s highlights:

Deputy CFO Michelle Winokur and Division Director Tasha Carter

Scott MacCallum and Rob Condon

Scott MacCallum, Jacqueline Weyant and Iker Aranguren

CFO Jeff Atwater speaks at the event

Labor Day Celebration -- Many in our Largo office celebrated Labor Day by taking a break to come together for a delicious Pot Luck luncheon with everyone bringing a dish! Pictured: Rebecca Rogers and Carol Roehling

Pictured, from left: Linda Smart, Jackie Weyant, Mike Duke, Steve Van Gelder and Loretha Cleveland

Pictured, from left: Rob Condon and Iker Aranguren

Labor Day 201 6 Pictured, from left: Eileen Torres, Cynthia Burgos, Joycelynn Galletta and Rebecca Rogers

After 28 years of dedicated service to the Department of Financial Services, we bid farewell to Becky Blackburn in a luau themed retirement celebration on Friday, September 30. We miss you, Becky!

Share Your Story Photos of our staff on their time

Iris Collier, a true FAMU fan, is

photographed with her beloved Venom.

“Myself and my son (2014) in front of the house that Peyton Manning built aka Lucas Oil Stadium in Indianapolis. Second photo is the same son at age 4. Grown up loving the Colts! Third photo is my grandson Adrian Roehling. He as well will grow up to love his Indianapolis Colts. “

- Carol Roehling

Adventures Abroad Ester Ruiz, Largo Unit II Manager, vacationed in Thailand and Indonesia September 2 to September 23. Lucky her and well deserved!!! Ester and her husband have already traveled to Indonesia in the past and fell so much in love with the place that they decided to go back. In one of her excursions Ester climbed up a volcano. It took her about three hours to go up and two hours to come back down. Ester also mentioned she would love to move there permanently. Who can blame her!!

The My Money Program Helps to Make Financial Education Accessible The My Money Program is our newest financial literacy program for individuals with developmental disabilities, their family members, support providers and other key stakeholders. The goal of this program is to help individuals create their own pathway to financial independence, by pairing easy-to-use material with direct services. The program features educational lessons on a variety of financial topics, how-to videos and games, while also providing individuals with information on employment, government benefits, healthcare and other important resources. For more information, please visit

22 26 27 28 28 29 31


Audra Vickers Rob Powell Tiffany Terry Rick Wiseman Soncyarai Powell Jacqueline Weyant Lynn Grossman

Happy belated birthday to Steevan Coq (10/1), Linda Rugless (10/5), Miguel Filomeno (10/5) and Steven Van Gelder (10/10)!


1 5 6 13 13 13 16 18 22 27 28

Iris Collier Christina Siriwardena Danyelle Washington Bob Rabold Lolita Hawkins Loretha Cleveland Debbie Johnson Beth Hemmes Patra Johnson Denise Hart Teena Britt

6 7 8 9 12 15 17 18 20 21 25 28 29

1 9 9 17 24

November Iker Aranguren Elise Samuel Shana Thomas Carla Cothron Tracy Harry Edna Berry Peggy Collins Marcia Rudd Tracy Thomas James Riggs Dorcas Horne Robyn Beltz Mikhail Smith


Eileen Torres Mary Dyal Linda Smart Lue Sender Robinson Harold Scott

Cooking Corner

Roasted Squash with Brown Butter and Cinnamon Ingredients 3 pounds butternut squash (or other variety), washed and peeled with a vegetable peeler 6 ounces unsalted butter 2 tablespoons dark brown sugar 3 tablespoons molasses Kosher salt and freshly ground black pepper 1 teaspoon ground ginger 1 (1 to 2-inch) knob fresh ginger, peeled and finely grated 1/2 teaspoon ground cinnamon 1/4 teaspoon ground cloves 1/2 fresh orange

Directions • •

Preheat oven to 400 degrees F. Put the squash on a flat surface, then split in half lengthwise and scrape out the seeds. Cut each piece in half, lengthwise, to form 4 wedges. Arrange in a single layer on 1 or 2 baking sheets. In a small saucepan, over medium heat, add the butter. Wait until the butter starts to turn a light brown color. Remove from the heat and immediately pour half of the butter over the squash sections. Reserve the rest of the butter.

Sprinkle the squash with the brown sugar and molasses and season with salt and pepper, to taste. Finish by sprinkling the Recipe courtesy of: ground (dry) ginger, fresh Jeni Baker grated ginger, cinnamon and the ground cloves. Squeeze the orange juice over the squash. Fill the bottom of the baking sheet(s) with about 1-inch of water to create steam while the squash bakes in the oven. Cover the baking sheets with aluminum foil and seal the edges tightly. Put the tray in the center of the oven and bake, undisturbed, for 30 to 45 minutes. To check for doneness, pierce 1 squash section with the tip of a small knife. The knife should slide in and out easily. When the squash is tender, remove the pan from the oven and carefully peel back the foil. Drizzle with the remaining butter and set aside to cool. Transfer to a serving platter and serve.

Friend Fruity Fun Dip Ingredients 2 kiwis, peeled and diced 2 Golden Delicious apples - peeled, cored and diced 8 ounces raspberries 1 (16 oz) carton of strawberries, diced 2 tablespoons white sugar (more or less to taste) 1 tablespoon brown sugar (more or less to taste) Recipe courtesy of: 3 tablespoons fruit preserves, any flavor (I used strawberry) Audra Vickers & 10 (10 inch) flour tortillas (or use Stacy’s cinnamon Bestie, Violet Sharpe chips or cinnamon graham crackers) 2. Preheat oven to 350 degrees. melted butter or butter flavored cooking spray 3. Coat one side of each flour tortilla with melted Cinnamon sugar butter or butter flavored cooking spray. Sprinkle tortillas with desired amount of cinnamon sugar. 1 cup white sugar Cut into wedges and arrange in a single layer on a 2 tablespoons cinnamon large baking sheet. Spray again with cooking spray (not necessary if using melted butter). Directions 1. In a large bowl, thoroughly mix kiwis, apples, 4. Bake in the preheated oven 8 to 10 minutes. Repeat with any remaining tortilla wedges. Allow to cool raspberries, strawberries, white sugar, brown approximately 15 minutes. Serve with chilled fruit sugar and fruit preserves. Cover and chill in the dip. refrigerator at least 15 minutes. This is best made the same day and not too far ahead of time so your This dip can also be served with cinnamon graham apples don’t start browning and the fruit doesn’t crackers or cinnamon pita chips. Best when made give off too much juice and gets runny. and eaten the same day.

Thank you for reading! Please send your feedback to and We’d love to hear it!

2016 October SCOPE Newsletter Issue 33  
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