December 2007 - Arkansas Veterinary Medical Association
Transcription
December 2007 - Arkansas Veterinary Medical Association
Inside this issue: DECEMBER 2007 Arkansas Veterinary Association Vol 20, No. 4 Arkansas Veterinary Medical Association 101st Winter Meeting 2008 Meeting Schedule 2 President’s Message FRIDAY - FEBRUARY 8, 2008 3 11:00 a.m. - 5:00 p.m. 1:00 p.m. - 5:00 p.m. 1:00 p.m. - 5:00 p.m. What Clients Really Think About Cost 5:30 p.m. - 8:00 p.m. 8:00 p.m. 7:30 p.m. - 10:00 p.m. 4 Arkansas Veterinary Internal Medicine Registration George Miller - (Practice Management) “Controlled Substances - An Easy Guide to Compliance” Poultry Meeting Dr. Ruud Hein, Dr. Brett Hopkins, Dr. Chip Garrity “Use of Recombinant Vaccines for Control of Newcastle Disease, Infections” Exhibits Grand Opening and Welcoming Reception Exhibit Hall Closed Board Meeting SATURDAY - FEBRUARY 9, 2008 7:00 a.m. 8:00 a.m. - 5:00 p.m. 8:00 a.m. - Noon 8:00 a.m. - Noon Exhibits open with coffee and pastries Registration Dr. Robert Kennis - (Small Animal) “Dermatology” Dr. Allen Roussel - (Food Animal) “Johne's Disease” “Politics and Policies” Continued on page 5 President’s Message Continuing Education by Mike Beard Maggie informs me that this will likely be my last column in our newsletter. Let me start by thanking all of you who serve our association as officers, trustees, committee members and, of course, our capable Executive Director. Our association works amazingly well with a predominately volunteer force. It has been my good fortune to meet with and to learn from a diverse group of veterinarians this year. I have heard your concerns and tried to incorporate those ideas in the business of your association. We have taken steps to re-double out efforts monitoring the legislative process. We have committed, as voiced by one of our constituents, to watch legislation that could affect us throughout our entire career, and perhaps compromise our ability to earn a living. The Veterinary Technology program is up and running. Ground has been broken fro the building that will Rabies Titering Will Be Offered at The Winter Meeting Recommendations for maintaining adequate pre-exposure immunization status: A routine booster every two (2) years is NOT recommended since the newer cell culture vaccines often confer adequate antibody levels for 5 to 8 years and risk of adverse reactions is increased by frequent boosters. The standard pre-exposure recommendation for veterinarians practicing in an area with enzootic rabies is serologic testing every two years with booster vaccination when the antibody titer falls below the acceptance level, l.e 1:5 by RFFIT Titers will be drawn in the Exhibit Hall of the Winter Meeting. 2 house the program. There is a strong interest from students all over that state for the program. We wish ASUBeebe continued success as they provide this education for our state. Make plans to attend out 101st meeting in the ArVMA in Hot Springs on February 8-10, 2008. Dr. Norette Underwood has a great program lined up with twenty hours of continuing education available. I hope to see LOTS of you in Hot Springs, as it should be a great meeting. Best Regards, Mike Beard Continuing Education – Record Keeping Seminars – during a meeting held on August 29, 2007 it was the decision of the Board to reclassify "medical records" from "practice management" to "standard" CE hours because (1) medical records directly affect patient care when transferring a patient from one doctor to another and (2) the veterinarian has direct liability issues regarding malpractice if they do not keep accurate, detailed records; both of these issues are directly related to the practice of medicine/surgery and not a business or employee training issue. Ten (10) hours may be earned in the area of record keeping (at seminars only) and listed under the category "veterinary medicine & surgery" (Item #1 under CE on your renewal form). AR Veterinary Medical Examining Board What Clients Really Think About Cost An article written by John W. Albers, D.V.M. in the May/June 2007 issue of Trends Magazine revealed some interesting findings about things that happen every day in your practice. The article focused on the findings from research that related to the pet owners' attitudes about the cost of veterinary care, and the impact it has on compliance and acceptance of recommendation. The research was initiated by the American Animal Hospital Association and supported by a substantial education grant from Merial. The research was a follow up to a 2003 AAHA study and was carried out by Forward Research, a St. Louis based firm with experience in the companion animal market. Every scientifically conducted survey of pet owners since 1995 confirms the vast majority of pet owners consider their pets as members of the family and they are willing to spend the money to keep them healthy. These surveys repeatedly found that the cost of veterinary services is one of the least important factors in choosing a veterinarian or how satisfied clients are with the services provided. According to Dr. Albers this study confirms the above but reveals other interesting findings. While their pets are hugely important to them, and they want to provide good care, veterinary expenses are not exactly “welcome.” For most pet owners, the unexpected nature of the expense was the most troubling, coupled with the lack of expertise to determine whether the expense is truly necessary. There were critical findings related to costs: 1. There is little, if any, relationship between a client asking about costs or estimates and their likelihood of spending the money on their pet. 2. When it comes to spending money on their pets, the most important factor in the relationship that a pet owner has with their veterinarian is TRUST. Trust is most likely to occur when there is full disclosure of costs and openness to discussing those costs. 3. The quantitative research demonstrated, as so many previous surveys have, that pet owners have a high sense of receiving value for the cost of veterinary care and that cost is rarely a factor in choosing a veterinarian or accepting his or her recommendation. 2. Provide full disclosure of the costs so there are no surprises. Do this even if the client says they do not need an estimate. Communicate what is being done and why. If the patient is hospitalized and the situation changes, regularly keep the client apprised of the cost impact. 3. Recognize that pet owners may need time to verbalize their concerns (and even complaints) about costs. Do not become defensive: at this point clients do not really care what your equipment or facility costs are. Acknowledge that good-quality care does have a cost, and emphasize the benefits that will result from the treatment being recommended. Be patient and answer questions that the client may have. 4. Occasionally owners may need to hear about a less expensive option. Providing an option can give some feeling of control back to the owner. Carefully explain the difference in the options, emphasizing the benefit (or lack of benefit) of both. You can state your belief that the first option presented is the best, but allow the client to make the choice. In conclusion, don't let the client's response to the unexpected expense alter your advocacy for their pet and remember the single most important factor influencing compliance is their trust in you. Using the Results of the Study in Your Practice Dr. Albers recommends we take the following steps: 1. If you even occasionally make recommendations trying to predict whether an owner will spend money, stop doing that! How an owner talks about money or what they say about cost is not a good predictor of whether or not they will spend the money. Your job is to be an advocate for the pet. Present the recommendation you believe is in the pet's best interest, not what you think the owner can or will spend. 3 Arkansas Veterinary Internal Medicine: A New Option for Internal Medicine Referrals Arkansas Veterinary Internal Medicine (AVIM) is a new specialty practice started by Tony Gary DVM, DACVIM. The practice opened November 5th and is currently taking referrals. Below is a letter from Dr Gary to Arkansas veterinarians. I've enjoyed meeting many veterinarians in the Little Rock area over the last several weeks. Thank you all for your hospitality, words of encouragement, and referrals! During my conversations with local vets, I've received several repeated questions and wanted to take this opportunity to answer them for those I have yet to meet: Where did I do my training? I'm originally from St. Louis, MO and earned my DVM from the University of Missouri-Columbia in 2003. My internship was at North Carolina State University and my residency at Colorado State University. Do I perform surgeries? No. If a referred case needed surgery, the referring vet would have the option to have the case transferred back or to have it referred elsewhere for surgery. Can you find the adrenal glands (with ultrasound)? Yes, in most dogs and cats. I'm using a LOGIC e notebook system which is a tremendous help. It also has all functions necessary for complete echocardiograms (i.e. color flow, pulse and continuous wave Doppler, etc). How will I communicate about referred cases? I will call and also send a complete report after seeing each case. Laboratory results will be sent as soon as they are available by fax or email. Location, hours? I'm leasing space from the Animal Emergency and Specialty Clinic in North Little Rock/Maumelle. I am open 5 days a week from 8-5 pm Special Services found only at AVIM? (OK, not really a question I've gotten but thought I would add) 1. Diagnostic laparoscopy – for abdominal exploration and biopsy (liver, kidney, intestines, spleen, etc). 2. Urethral collagen injection – for treatment of urethral sphincter incompetence that fails medical therapy. 3. Tracheal stent placement – for treatment of collapsing trachea that fails medical therapy. Please call if you have questions, consults, or if you would like to say hello. I look forward to meeting you! Phone: 501-771-2311 Fax: 501-771-2312 email: info@arkansasvim.com www.arkansasvim.com How did I end up in Arkansas? My wife (Kimberly Williams) grew up in Little Rock…so, I'm here for good. Cost of services? Ultrasounds are $250. Most procedures (endoscopy, laparoscopy) are ~$1000-1200. Tunica, Mississippi Site for ‘08 Summer Meeting The ArVMA Summer meeting will be held at Sams Town Resort and Casino in Tunica, Mississippi August 1-3, 2008. The speaker will be Dr. Deb Greco, a recognized expert in endocrinology, renal medicine and pharmacology. So mark you calenders and don't miss out on the opportunity for great CE, casino action, golfing, and more! 4 Schedule, continued from page 1 8:00 a.m. - Noon 9:00 a.m - 5:00 p.m. Dr. Debra Sellon (Equine) “Infectious Diseases of the Horse” “Equine Herpesviruses” “West Nile Virus” “Equine Infectious Anemia” Vet Tech Meeting Dr. Mary Ann Vande Linde (Sponsored by Novartis Animal Health) Focused 10:00 a.m. Noon - 1:00 p.m. 1:00 p.m. - 5:00 p.m. 1:00 p.m. - 5:00 p.m. 1:00 p.m. - 5:00 p.m. 5:45 p.m. - 6:45 p.m. 6:00 p.m. 7:00 p.m. “Team Building, Exam Room Excellence and Client Communication” Auxiliary Brunch Annual Business Luncheon Dr. Robert Kennis - (Small Animal) “Dermatology” Dr. Allen Roussel - (Food Animal) “Control Programs & Testing” “Physical Examination of Cattle” Dr. Debra Sellon (Equine) “Infectious Diseases of the Horse” “Clostridial Diseases” “Strangles” “Rhodococcus Equi” “Approach to Foal Pneumonia” LSU Reception Exhibit Hall Closed Awards Banquet/Entertainment SUNDAY - FEBRUARY 10, 2008 7:00 a.m. 7:00 a.m. - 7:30 a.m. 8:00 a.m. - Noon 8:00 a.m. - Noon 8:00 a.m. - Noon Noon - 1:00 p.m. 1:00 p.m. 1:00 p.m. - 5:00 p.m. 1:00 p.m. - 5:00 p.m. 1:00 p.m. - 5:00 p.m. Exhibits open with coffee and pastries Inspirational Service Dr. Mary Belle Glaze - (Small Animal) “Ophthalmology” “Disorders of the Geriatric Eye” “Feline Ocular Herpesvirus” “Fundus Interpretation in Normal and Diseased Eyes” Dr. Allen Roussel - (Food Animal) “Using Clinical Laboratory Tests in Cattle” “Simple Procedures for Complicated Cases” Dr. Debra Sellon - (Equine) “Common Medical Problems of Horses” “Towards Better Pain Management” “Approach to Weight Loss” Boxed Lunches Served in the Exhibit Hall Exhibit Move-Out Begins Dr. Mary Belle Glaze - (Small Animal) “Ophthalmology” “Ocular Emergencies” “Ocular Manifestations of Infectious Disease” “Taming the Refractory Corneal Ulcer” Dr. Allen Roussel - (Food Animal) “Meat Goat Medicine” “Fluid Therapy for Cattle” “Case Presentations” Dr. Debra Sellon - (Equine) “Common Medical Problems of Horses” “Approach to Anemia and Thrombocytopenia” “Causes of Dysphagia” Executive Director’s Message 2007 is coming to an end. It has been a GREAT year in the office under the guidance of Dr. Mike Beard. We have accomplished a lot! I am looking forward to starting 2008 with a fantastic Winter Meeting. The registration packets are in the mail! We will have a great on-line registration this year. Please use this opportunity to register on-line. You can still pay with a check or use your credit card. Dr. Underwood has put together a great program! I am happy to be back in Hot Springs at the Convention Center. Mark your calendar for February 8-10, 2008. Be sure to make your hotel reservations before January 15, 2008 to get the convention rate! The 2008 membership dues are starting to pour in. If you have not mailed yours in, please do so. There will be a membership dues form in the Winter Meeting Registration packet if you need it. If you have any questions if you have renewed, please contact the office. I hope 2008 is a wonderful year for everyone! Always know that I am here to answer any questions or help in any way I can. Happy New Year! Warm Regards, Maggie Milligan 5 Opportunities TO CHEW ON of the veterinary profession ensuring that the delivery of veterinary care and service meets the needs of society. The CEO will report to the NCVEI Board of Directors and will effectively conduct the affairs of the Commission including oversight of staff, advisory panels, task forces, strategic partnerships, Board-generated projects, and the NCVEI operational finances. The VETERINARIAN WANTED – The CEO is also responsible for maintainHumane Society of Heber Springs is looking for a veterinarian to operate a ing and acquiring sponsorships. The CEO will assist the Board in formation small spay/neuter clinic and perform of NCVEI strategic plans, goals, objecspay/neuters two or three days per tives, policies, and procedures. Within week. The clinic is located at the Humane Society in Heber Springs, AR, this framework, the individual will plan, organize, and implement pro70 miles north of Little Rock, in the Ozark Mountain area. Heber Springs is grams and activities to accomplish the overall mission of the NCVEI. located on Greers Ferry Lake, a major Qualified candidates should possess recreational area. New graduates as an understanding of the economic well as experienced veterinarians are issues facing the veterinary medical strongly encouraged to apply. profession. Possession of the DVM or (Intensive training in high-volume spay/neuter techniques will be provid- equivalent degree and/or an advanced degree in business or economics is ed, if needed.) The right candidate desirable. The ideal candidate will have will enjoy a delightful setting, new shelter completed August 2007 and the a proven track record of entrepreneurial success in business, a broad undersatisfaction of providing a needed VETERINARIAN WANTED – community service. For more informa- standing of all aspects of veterinary medicine and a readiness to make an El Dorado, Arkansas. Small Animal tion, please contact Arlene Carlson important contribution to the veteripractice (large available) needs associ- President (501) 362-7608; or mail nary medical profession and society. ate. Salary negotiable. See resume to Humane Society, Attn: Strong organizational, oral and written GoElDorado.com website for more Manager, 49 Shelter Lane, Heber communication skills are essential and information on area and free college Springs, AR 72543. Shelter number proven success in managing a variety tuition for children. Call Dr. Ward at (501) 362-7322. of programs and activities are desirable. 870-863-3021. Travel is required. An excellent NATIONAL COMMISSION ON FOR SALE OR LEASE – Small animal VETERINARY ECONOMIC ISSUES – compensation and benefits package will be provided. practice in Harrison, AR. Beautiful CHIEF EXECUTIVE OFFICER Letters of interest and a resume that location in Arkansas Ozarks. Potential The National Commission on for large animal. Established 35 years. Veterinary Economic Issues (NCVEI), a includes the names and addresses of at least three references should be sent to Gross $126K+. Located near lakes and not-for-profit association located in Mrs. Cheri Kowal, 1931 N. Meacham White River for recreation. All types of Schaumburg, IL, is seeking a highly hunting available in area. Good place qualified individual to fill the position Rd., Suite 103, Schaumburg, Illinois to raise family. 30 miles south of of Chief Executive Officer (CEO). The 60173. Telephone: (847) 925-1230. Resumes may also be sent by email to Branson, MO. NCVEI was established by three ckowal@ncvei.org or faxed to 847Call: Janet at (870)741-8831. national veterinary associations 925-1275. Review of applications will (American Veterinary Medical begin January 15, 2008 and continue FOR RENT – 3-1/2 ac. located @ the Association, American Animal until the position is filled. The NCVEI Porter Road Exit #65 in Fayetteville. Hospital Association and the is an equal opportunity employer. There are 2 houses on this property... Association of American Veterinary One of the houses would make an Medical Colleges) in 2000 and is dediOpportunities, continued on next page. ideal practice building for either a Vet cated to improving the economic base VETERINARIAN WANTED – Full/part time associate needed for progressive rapidly growing mixed animal practice in Hot Springs, Arkansas. Our practice consists of 80% small animal, 10% equine, 5% food animal. We are a team oriented practice that offers quality medicine and surgery, including ASIF orthopedics, acupuncture and holistic medicine. Out hospital facility is equipped with endoscopy, in house lab and radiology. Applicants need to be client oriented, energetic, caring, and outgoing. Beginning salary of $70,000 plus benefits, hosp., 401k, vacation pay, Malpractice insurance, housing provided, possible buy in. Hot Springs is centrally located in the Ouachita National Mountains, with numerous lakes and out door activities, known for our hot bath houses, horse racing, art galleries, film festivals, and motorcycle rallies. Send resume to: Dr. Marion Smith All Creatures Animal Hospital 4799 Central Avenue Hot Springs, AR 71913 6 Have items to sell? Property to sell? Openings to fill? We’ll include it! or Animal day care. It is zoned A-1 =Agri. This property looks directly @ the new Univ of ARK Vet Research Center. If this might be something you would be interested in renting please contact Don Eubanks @ 521-4004 or cel 841-4641. Relief Veterinarians Bressett Brooks Core Foster Fryar Lombardi Manning, Jr. Muller Nelson Smith Smith Stewart Waggener Ziegenbaig John Arnetha Romy Newton Rebecca Melissa W. John Steven Joe Lori Carolyn Deborah Brett 417-679-1244 501-224-8209 479-273-0622 870-942-9915 479-968-2664 501-581-0086 817-295-2963 479-253-5905 501-663-1466 501-821-4991 501-328-3413 501-269-3725 479-750-0677 501-825-8400 Gainsville MO Little Rock AR Bentonville AR Sheridan AR Russellville AR Greenbrier AR Burleson TX Eureka Springs AR Little Rock AR Little Rock AR Conway AR Conway AR Springdale AR Greers Ferry AR In Memory Robert Van Patter Robert Van Patter passed away Monday, November 26. Visitation was Thursday, November 29, 2008 from 5pm-8pm at Husson Funeral Home on Mabelvale Pike. The funeral was held Friday November 30 at 11am at Pleasant Valley Church of Christ. Memorials may be sent to the Boy Scouts of America. Dr. Van Patter was an extremely important part of the veterinary profession. He will be missed. Dr. Elizabeth Ann Cochran Mark Your Calendar – Southwest Veterinary Symposium October 2-5, 2008 The Southwest Veterinary Symposium is a partnership combining the efforts of the Arkansas, Louisiana, New Mexico, Oklahoma and Texas VMAs to provide exceptional continuing education for veterinary professionals in our region and the rest of the nation! The annual Symposium is held each fall in the Southwest and includes continuing education, exhibits, interactive labs, and social activities. We serve DVMs, RVTs, hospital personnel, veterinary and technician students, and the suppliers who provide the services that support veterinary medicine. 2008 SWVS Hotel Registration Opens: January 30 , 2008 2008 SWVS Registration Opens: May 15, 2008 Early Bird: May 15 - June 30 Advanced: July 1 - 31 Pre-Registration Mailing Deadline: August 29 VETERINARIAN WANTED – Westrock Animal Hospital seeking dedicated small animal practitioner with solid medical skills and excellent people skills. Clinic growing like wild. Located just off Cantrell / Hwy 10 in West Little Rock. Prefer some experience, but new graduates considered. Striving to develop partnerships, not servitude. We emphasize wellness, perform routine surgeries, and refer to specialists when appropriate. Please call 501-868-7800 or send resume to cajundvm@gmail.com. VETERINARIAN WANTED – Full time or part time veterinarian position open at East End Animal Care. Please mail resumes to: 20224 Arch Street Pike, Little Rock, AR or call 501888-3504 with inquiries. Ask for Robin. 9/23/39 – 9/10/07 Dr. Elizabeth Ann Cochran of Keithville, Louisiana passed away in a Bosier City Hospital, September 10, 2007. Dr. Cochran had a distinguished medical career beginning with a degree in Medical Technology from the University of Arkansas in 1962, graduating with honors. Following her love for animals, she attended Oklahoma State University Veterinary School where she finished with honors and received many awards, including the much coveted Pfizer Veterinary Scholarship in 1972. She established Alvarado Veterinary Clinic in Fallbrook, California where she practiced from 1980 to 1997. After retiring in 1997, she returned to her native state of Arkansas later moving to Keithville, Louisiana in 2003. Her skill and devotion to her profession allowed her to consult with her by phone in her retirement. To Place articles for sale or job postings, Please contact Maggie at the association office. PH: 501-868-3036 Fax: 501-868-3034 E-Mail: arkansasvma@comcast.net 7 Presorted Standard U.S. Postage PAID Little Rock, AR Permit #31 Arkansas Veterinary Medical Association P.O. Box 17687 Little Rock, AR 72222-7687 2007 B OARD President H. Mike Beard DVM West Prince Animal Hospital 2845 Prince Street Conway, AR 72034 501/329-2244 Fax 501/329-0248 mbeard@tcworks.net OF T RUSTEES Secretary/Treasurer Michael A. Liles DVM Liles Animal Clinic 129 West Booth Ave. Searcy, AR 72143 501/268-5381 Fax 268-1117 mliles83@sbcglobal.net Past President Lyndon H. Tate DVM 8000 Dayton Road Mansfield, AR 72944 479/928-4925 Fax 479/928-2802 lhsst@valuelinx.net District II District III District IV Scott Smith, DVM Archie Ryan, DVM Rusty Henderson, DVM Springdale Animal Hospital Southwest Drive Animal Cl. Eastside Animal Hospital 404 Highway 201 N 605 Southwest Drive 9600 Rogers Ave. Mt. Home, AR 72653 Jonesboro, AR 72401 Fort Smith, AR 72903 870-425-6201 870-935-4012 Fax: 870-935-4585 479-452-5700 Fax:479-452-5726 doc-smith@suddenlinkmail.com ryanvet@TDN.to CHE6@aol.com District V Rene´ LaVergne DVM Westrock Animal Hospital 14104 Taylor Loop Road Little Rock, AR 72223 501/868-7800 FAX: 501/367-0019 cajundvm@comcast.net President Elect Norette L. Underwood DVM Trumann Animal Clinic 1121 Highway 69 West Trumann, AR 72472 870/483-6275 Fax 870/483-2953 catdoc56@pcsii.com Vice President David Blount DVM Rogers Ave. Animal Clinic 6905 Rogers Ave. Fort Smith, AR 72903 479/452-4300 FAX: 479-452-4302 arkvet@aol.com T RUSTEES District I Kate Williams, DVM Animal Medical Clinic 3045 Market Ave. Fayetteville, AR 72703 479-521-5220 Fax: 479-444-8292 drkatewilliams@aol.com District VI Damien Stroderd DVM Byreview Veterinary Clinic 3207 Highway 67 W. Hope, AR 71801 870/777-6774 FAX: 870/777-2099 dstroderd@cablelynx.com AVMA Alt. Delegate Tim Woody DVM Pet Protection Clinic 2087 South School Ave. Fayetteville, AR 72701 479/442-3761 FAX: 479-442-5765 Dvmwoody@aol.com District VII Lance D. Grissom DVM Oak Park Animal Hospital 2810 West 28th Pine Bluff, AR 71603 870/534-8144 FAX: 870/534-8797 LGRIS172@yahoo.com State Veterinarian George Badley DVM AR. Livestock & Poultry Cmsn. #1 Natural Resource Drive Little Rock, AR 72205 501/901-2400 FAX: 501/907-2425 pbadle@arlpc.org District VIII Floyd Mann DVM Apple Farm Veterinary Hospital 2501 DeWitt Henry Drive Beebe, AR 72012 501/882-5350 AVMA Rep Larry M. Kornegay DVM Antoine-Little York Animal Clinic 6245 West Little York Houston, TX 77091 713/688-5286 FAX: 713/688-6579 lmkornegay@aol.com AVMA Poultry Rep AVMA Poultry Rep Scott Gustin DVM Robin Gilbert DVM Cobb-Vantress Tyson Food PO Box 1030 345 Crossgate Drive Siloam Springs, AR 72761 Russellville, AR 72802 479/529-2846 479/263-9596 FAX: 479/757-6440 scott.gustin@cobb-vantress.com robin.gilbert@tyson.com AVMA Delegate Raymond Whitehead DVM Animal Care Hospital 923 S. Jackson Magnolia, AR 71753 870/234-3601 FAX: 870/234-3609 KRWhitehead@arkansas.net Recent Grad Kara Wolf DVM 4501 Summit Ridge Jonesboro, AR 72404 870-273-6641 karawolf@sbcglobal.net
Similar documents
Hot Times in Tunica! - Arkansas Veterinary Medical Association
The rising incidence of stolen cardholder account data is a major concern for your practice and your clients. As a result of these thefts, practices and financial institutions suffer fraud losses a...
More information