Is Multi Level Marketing Christian?


               It has been 10 years since the following letter was written.
          I have not heard from my  friend in all these years.  I  pray for
          him and his family often and  there is rarely a week that  passes
          which I don't think of him.  He had a greater impact upon my life
          than any other Christian man I have known in the 45  years I have
          been walking with the Lord.

               I often wonder if I shouldn't  try and contact my friend but
          I  haven't  for three  reasons.   First, over  the years,  I have
          prayed  for him  dozens  of times  and  never once  has the  Lord
          encouraged me in my spirit to make contact with him.  Secondly, I
          have heard  from others  who know  him.   Of course,  he did  not
          continue in the  multi level program he  came to sell me  on many
          years ago or  at least this was my understanding  from our mutual
          friends  who spoke with  him in  person.   Thirdly, a  friend did
          speak with  him years later and he  casually asked if this family
          had heard  from me over  the years.  The  reply was they  had not
          heard from me except for the  terrible letter I had written  them
          criticizing them for their involvement with  the MLN.  I leave it
          up to the  reader to determine  if my  letter was mean  spirited,
          uncaring, unchristian, or in any way "terrible."

               Finally,  it is interesting to  me how this letter, although
          until recently was not on my own website, has traveled around the
          world.  In 1994  I logged on to the internet  for the first time.
          Before I even logged on to the internet,  however, I had received
          comments from someone who had read  my letter.  I had posted  the
          letter on my  bulletin board system and  I knew it had  also been
          distributed over a Christian computer network before the internet
          was as  popular as it is now.   I had no idea,  however, that the
          letter was  on the  internet.   When I  wrote back  to the  first
          person who had contacted me, they told me that my letter was on a
          website in Australia.  After putting my first website on the web,
          I still  did not  put the  letter  to my  friend on  my own  site
          because it simply  never came  to mind to  do so until  recently.
          Since 1994,  however, I have  heard from Christians all  over the
          world who have read my letter.  All who emailed me thanked me for
          making  my letter  available for others  to read.   Some  said it
          caused  them to  reconsider  their  involvement  in  multi  level
          businesses as  Christians.    Others  thanked  me  for  at  least
          pointing out the  spiritual and Scriptural  considerations before
          becoming involve with MLN companies.

               To  this day,  I know  three people  who were  successful in
          multi level  networking and reached  retirement age and  now live
          comfortably during  their retirement years.   All three  of these
          people are people  who not only promoted the  MLN program itself,
          but  were  extremely sold  on  the  products  and daily  use  the
          products.  Unfortunately, I know  dozens of others who went broke
          trying to  make MLN work for  them.  Yet, I am  still not against
          MLN businesses and even buy products through MLN companies.  I am
          less  enthusiastic, as you  will see, about  participating in any
          MLN  as  a business  but I  am not  against Christians,  who have
          prayerfully considered the  nature of the MLN they  are in, being
          involved with such businesses.

               In closing, I miss my friend  a great deal.  Before I  wrote
          the below letter to my  friend years ago, I called and  discussed
          my  intentions with  my pastor  and one  other pastor  of another
          church.   I told them  exactly what I  was going to  say and why.
          They both encouraged me to send my letter but they both warned me
          that I would  probably lose the friendship and  most likely would
          never  hear from my friend  again.  They were  right.  The man to
          whom I wrote I consider to be  one of the finest Christian men  I
          have  ever known.   He  taught  me more  about the  ministry than
          anyone else and  as his assistant pastor  for about a year  and a
          half, I cannot think  of anyone that influenced my life more than
          he.  I am glad we will see each other in Heaven  even if we never
          get to be friends again in this life.

          Phil Scovell: May 2002



          August 31, 1992


          Hi Rayburn,

               It sure  was great to see you the  other day and to catch up
          on things.  I was glad  to hear how the Lord has been  working in
          your life and  how he has blessed  your family over the  past few
          years.  I trust the Lord will continue to bless you, your family,
          and the business in which you are now engaged.

               Thanks for leaving us the  tapes and though Sandy didn't get
          time  to listen to them, I did and found it interesting.  I have,
          of course,  heard dozens of  such presentations  over the  years.
          When I  was doing the  high speed cassette duplication  for eight
          years, I duplicated  every type of business  presentation, multi-
          level and networking seminar one could possibly think of and they
          are,  of course,  all basically the  same in nature.   It's still
          interesting, though, to hear how people get into such businesses.

               Before we  get together again,  I wanted, however,  to share
          with you my thoughts  on these things.  Please keep  in mind they
          are  strictly personal thoughts and in no way reflect on what God
          has you doing right now except  indirectly.  Since I was  willing
          to hear what you had to  say about the business you're now  in, I
          trust  you'll extend  me the  same  courtesy and  read my  letter
          carefully.   Please read it  at least twice  because by  the time
          you've  reached the  end  the  first time  threw,  you will  have
          forgotten what I  said up front.  I likewise called my pastor and
          explained  to  him my  intentions  and  asked his  advice  before
          mailing my letter to you.

               Some of  what I'm about to share  is very personal in nature
          because of  my own experience  in such networking businesses.   I
          have been  in several;  some with Christians.   I have  seen many
          people  do well;  even great.   There  are some  aspects of  such
          networking  businesses, on  the  other hand,  which  are, at  the
          worst, unscriptural, or at the very least nonchristian, as far as
          their foundations are concerned.  If, in my opinion, brethren are
          able  to see  those  things  and deal  with  them accordingly,  I
          believe  God  will bless  them  in  spite  of the  company  inner
          workings.  Let me share with you a couple of examples of what I'm
          talking about.

               I was in a  networking long distance telephone company  with
          several  other Christian  brethren both  locally  and around  the
          country.   We  all went  into  it together  and  worked the  plan
          together and after a few short months, it was going very well.  I
          was  one of  the most  active people  in Colorado  for  some time
          working this  program and  was getting  business nationally  from
          others as you are now.   As I began  sharing the plan with  other
          friends, I discovered not everything  the company was telling  us
          was true.   I called Dallas one  day and spoke with  the national
          director of  this organization  and explained to  him what  I had
          been  finding.   He  flat  out  told  me  that when  sharing  the
          information with potential clients, if  they checked up on what I
          said and found it to be unverifiable, I should  basically lie and
          say otherwise.  That wasn't exactly how he put it but that's what
          he meant.  When I told him such would be misleading them, he said
          he  didn't  think  it was.    I  eventually dropped  out  of this
          networking plan  largely because it  later proved not to  be what
          they said it was.

               I could go on with a number of other experiences I  have had
          over the years  with a number of  networking programs in  which I
          have been  enrolled.  One of the  best ones I got into  had to do
          with selling  a monthly  vitamin package deal.   A  few Christian
          friends talked me  into it and I  thought it to be excellent.   I
          worked it faithfully, more than I had with anything else, and  it
          began  to grow.   The  thing which  made this  multi-level outfit
          different was  the fact  that every  person in  the system was  a
          paying monthly customer.  Yes, they  sold the idea that you could
          make bunches of money but  they made every person in the  program
          buy the vitamins each  month which was $30.  I  signed up several
          people and  then the company,  which was just  a few months  old,
          began to  change the  rules from the  top down.   When  the lower
          level people expressed concern and  tried to show them what would
          happen if they continued  their plans, things got messy.   All my
          Christian  buddies bailed out of the  program, as they had in the
          long distance program in which we had joined together, and I  was
          left  hanging.   I have  found  that most  people in  multi-level
          programs, and  of course  we both know  that "networking"  is the
          latest  buzz word used for multi-leveling, never permanently stay
          in the program.  I know of only a couple of families who have and
          they  were  in the  Shaklee  vitamin  programs.   The  reason,  I
          believe, for  people dropping out  is the idea  that if you  work
          hard for awhile,  you'll eventually have a steady  income for the
          rest of your life and then you'll be on easy street.  This is do,
          of course,  to all the people  under you doing  their thing which
          keeps you at  the upper levels.   It sounds great on  the surface
          and does in  fact work unless, of course, people  under you begin
          to drop out  of the program.   Anyone who tells you  such doesn't
          happen is being less than honest.  This is a subject which people
          in networking  always attempt  to avoid in  their selling  of the
          program to potential  signees.  People under you  always drop out
          and  must be  replaced or  the whole  system breaks  down.   Your
          program may work somewhat differently but all networking programs
          share similar characteristics.

               I  mentioned I  felt  that  such  networking  programs  were
          unscriptural or, at the very least, nonchristian.  Let me explain
          why I feel that way.

               First, all  such  multi-level and  networking programs  link
          Christians in  business with unsaved business partners.   This is
          why I believe when such networking programs are used, they should
          be  Christian in  nature.    There are  now  many such  Christian
          networking programs around  I've discovered.   No matter how  you
          view it,  people above and  below you in  the structure  are your
          business partners.   Those closest  to you in the  tree structure
          are literally your business partners and if they are not saved, I
          believe there is a Scriptural bases for considering such programs
          as being unacceptable  as Bible Believers.  You  even referred to
          the   Mexican  Catholic  man  you  mentioned  as  your  "business
          partner."  That bothers  me because the Scriptures clearly  speak
          to  that relationship  as being  unholy.   I have  many Christian
          friends  in  networking,  however,   and  they  feel   completely
          different about it  than I and if  in their own hearts  and minds
          they are able to justify the relationships as something less than
          partnerships,  then  so be  it.   I,  on the  other hand,  have a
          Scriptural problem with it.

               The thing  which disturbs me the most,  however, has nothing
          to do with the Scriptural aspects of networking.  The major focus
          of all networking plans is on the selling of an idea  rather than
          a product.  Oh sure, every program like this has a product (it is
          against federal law to conduct  business without the selling of a
          product) but  no body  wants to discuss  up front the  product or
          products.  Why?   Because they aren't selling  a product; they're
          selling the program (I.E. the idea).  What is that idea?  Wealth!
          Materialism!   Early retirement!   Easy  street!   Rayburn, every
          speaker  on that tape you left me had  a common theme.  They were
          all pretty well  to do people who  felt insecure.  They  all said
          they were  dissatisfied with their  current life and  life style.
          They all confessed they were too  busy and wanted to live without
          having to work hard, and they  all wanted more money.  They  even
          attempted to disguise their greed by suggesting their real motive
          was  they wished  to spend  more time with  their families.   the
          bottom line was, however, they wanted more money
          and lots  of it.   Doesn't that  strike you  as odd?   Here  are
          wealthy people,  at least  by our standards,  who all  said money
          hadn't satisfied  them but now  that they were making  more money
          than  ever before,  through  this new  program, which  they never
          wanted to identify by name, they were now satisfied and had found
          self fulfillment.  That philosophy alone should send up a warning
          flag to any Christian considering  their appeal to get into their
          program.  The bases for such a program is by itself unscriptural.
          No where in God's Word is there  room for such philosophy and yet
          every time you give out one of those tapes, you are promoting, as
          a  Christian, that  philosophy yourself.   Now,  I know  that you
          personally do  not ascribe  to that belief  but you  are in  fact
          promoting  it.    You  even,  admitted  yourself  that   you  are
          attempting to  achieve  that life  style  by saying  that  within
          another   year  or  so,  you'll   be  able  to  basically  retire
          financially and  start another church  or go fulltime  in another
          ministry  work without  that work  supporting  you.   It is  that
          philosophy alone which is the most detrimental to the  Christian.
          God doesn't call millionaires to pastor 
          because they  have money;  He calls  those who  seek Him  and are
          willing to follow Him.

               Closely  connected with this is Zig Zeiggler's philosophy of
          "Help enough  people get what they  want and you'll  get what you
          want."    Though  that  philosophy sounds  good  and  though  Zig
          Zeiggler is a born again  Christian, the bases of that philosophy
          is wrong; unless, of course,  what "they" want is what God  wants
          for them.   In  principle  I agree  with Zig's  statement but  in
          practice, when applied  in a networking plan, what  we are really
          helping people get  is wealth.  Even  that isn't wrong in  and of
          itself  but  such  a  philosophy  as the  reason  for  living  is
          certainly mundane and  places money at the center  of one's life.
          Even  helping Christians  achieve this  goal for  the  purpose of
          helping God  out with  their vast  amounts of  accumulated monies
          doesn't  change the philosophy;  it's still  wrong.   God doesn't
          need  our money.    I've  enclosed a  short  little article  I've
          written on  what God has  taught me over  the years on  money and
          stewardship.  Additionally, I'm not  surprised at all that you've
          been able to  involve lots  of Pentecostals  and Charismatics  in
          this program.  They are the most gullible people in the world and
          are easily  misled because they  are used to believing  first and
          checking up on it later.   How else do  you think Jim Bakker  and
          Jim Swaggart made their hundreds  of millions of dollars in their
          ministries each year.

               When I  decided to stop  trying to travel and  hold revivals
          back in early 1980, I finally thought it  best for me to get into
          cassette duplicating.  God really blessed me over eight years and
          in  fact, for two  years, after getting an  SBA loan, things were
          unbelievable.   I  had two incoming  800 toll  free lines,  I was
          advertising in national Christian publications, I was doing about
          60,000 cassettes  a year,  and I  had even  hired  two part  time
          employees.   I was making more money than I  ever had in my life.
          I was  so happy  with how  the Lord  had blessed  me  yet I  felt
          something  was abnormal about my business.   I began praying on a
          daily bases for  wisdom.  It was during these weeks and months of
          prayer concerning my business that God began to speak to me about
          the gift of  tongues.   I had  been, of course,  filled with  the
          Spirit three years earlier  but because I did not  believe in the
          gift of  tongues, I never received the gift.   Though I was given
          the gift of tongues during this time, my business went belly up a
          few months later.  I  filed for bankruptcy in late 1987.  It took
          a long time for me to understand how things could have been going
          so well for me financially and then  all of the sudden the bottom
          dropped out.  I know now my philosophy was wrong.  I got into the
          cassette duplicating business, and I confessed it often to others
          as we visited, to make money so I could eventually be financially
          self supporting.   With my  business largely mail order,  I could
          live  anywhere and still  make good money.   In this  way I could
          move to  any little town  any where and  pastor a church  without
          support.   I figured I would get a  church to pastor even if they
          could not pay me.   In other  words, I was buying my way into the
          ministry.  Were  my motives wrong?   Of course not.   My methods,
          however,  were unscriptural and God wasn't  obligated to honor my
          work.  I  was wrong, my philosophy  was wrong, and I  paid dearly
          for my mistake.

               First  of all, Rayburn,  I don't  want you  to misunderstand
          anything  I've  said  so  far.    I  know exactly  how  you  feel
          concerning finances  and the like.   The ministry  is financially
          sacrificial when  it comes to  money.  You  and your family  have
          sacrificed your very lives  in the ministry by  your faithfulness
          and I want  you to know the  God will honor that  faithfulness in
          whatever you  do with  the rest  of your  life.   Don't ever  let
          anyone tell you differently.

               Please  understand also that  I am not  disappointed in your
          interest in this  networking plan.   There is absolutely  nothing
          wrong with  wanting to make  good money,  even lots of  money, in
          order to  support your family and to do  things to help out other
          ministries.  We must never lose sight, however, of the  fact that
          God doesn't need our  money and He isn't impressed  with how much
          money we make and  give to Him for any reason.  If  we can work a
          program such as  the one  you are  in with these  things kept  in
          perspective, I have no problem with it though I personally do not
          believe  in networking programs  generally and would  never again
          participate in one unless I was sold  on the product.  Even then,
          there would  be many other  things I would first  consider before
          signing up.   Compare  this with the  tape you  left me  hear and
          you'll see they  all were sold on the  plan/idea/program; not the
          product.  In fact, they  never once mentioned the product.   Why?
          The  product is  available to  justify the  program.   Their main
          interest is money and the plan.

               I trust you will read this letter a second time.  I honestly
          believe  these  things   I  have  said  come   from  my  personal
          experiences in  networking  programs; both  personally  and  with
          those I know  who are Christians.  In fact, the church I pastored
          for a year was  started by a man who turned  his ministry over to
          me because he went into  networking.  The company was represented
          by hundreds of commercial companies selling products through this
          networking program which they called Unamax.  They, too, had over
          15,000 products from which to buy.   They, too, had tapes of rich
          people who had joined  the program.  My pastor friend,  who later
          turned  his church ministry over to  me, was making over $3,000 a
          month and he had done that in less than six months.  He signed up
          half the  church before resigning,  too.  He  even got one  of my
          best friends so caught up in it that my friend quit  his thirteen
          year King  Sooper's job and  went full time into  multi-level and
          networking  programs.  He  went broke in a  few months and hasn't
          been steadily employed  now for over  three years.   I have  many
          friends who have  put their whole life into  networking and today
          have nothing  to show  for it.   Some  of them  were super  sales
          people, too.  I believe the bases for these Christians not making
          the  plan   work  is  that   the  plan  itself  is   worldly  and
          materialistic in nature.  From what little you told me about this
          program, it sounds so much like Unamax I was beginning to  wonder
          if it  was that same  organization under another name  and title.
          Though I am in no way suggesting these things will happen to you,
          I trust  you will consider what I'm saying  as at least worthy of
          your prayers.

               By the  way, the pastor I said turned  his church over to me
          also signed up  our church secretary and her family.  They, along
          with others in the church fellowship, began traveling  around the
          country  together holding  meetings in  different  cities.   What
          happened?   The pastor spent so  much time with his former church
          secretary  that  they  began sleeping  together,  divorced  their
          mates, and  moved in together.  The pastor  had five kids and the
          secretary  had three  children; one  was a  six month  old infant
          which she cheerfully turned over to  her husband for custody.  At
          the  risk  of  sounding  dramatic  Rayburn,  what  you're  in  is
          dangerous to the  very fiber of  a Christian's relationship  with
          God.  Not because you're making money but because the people with
          which you  work are  caught up  with money  and  wealth and  easy
          living.  I personally do not see how a Christian can successfully
          negotiate  Christian  and   Biblical  and  moral  principles   by
          saturating their minds  with that mundane and  ungodly philosophy
          and I'm asking you to stop and think about what you are in.

               As I've typed this  letter and tried to put my feelings into
          logical patterns, I've felt in my heart that my letter won't have
          any effect.  After all,  you may reason, it's working!  It may be
          working  but the foundation  isn't based upon  Christian morality
          and that's what bothers me.

               There are many other things  which could perhaps be said but
          I'm  sure what  I've  said  won't touch  you  personally.   Sandy
          suggested  I  forget saying  anything and  just  let it  go.   I,
          however, have  felt the need to  at least share my  feelings with
          you  because I'm concerned  over what could  happen.   If you had
          come to me and said you and a Christian friend borrowed  a half a
          million dollars and purchased an  old copper mind and because the
          mine was producing a million a year and you and your partner were
          making $100,000  each, I would have  been thrilled.  If  you then
          tried to sell  me stocks in  order to  expand your operations,  I
          would have purchased all I could afford.  I have no  qualms about
          Christians  making lots of  money.  In  fact, one of  my favorite
          preachers is a farmer in Arkansas.  He nearly supports his entire
          ministry through the buying  and selling of properties.  I am not
          apposed to that and in fact admire him.   I am not apposed to you
          doing the  same thing  and later returning  to the  ministry with
          your own support.   The motives  for such a  desire, however,  is
          what  bothers me.  I believe you'll find it impossible Rayburn to
          return to  the ministry  if you  maintain  this same  philosophy,
          working with people who hammer  this philosophy, and selling this
          philosophy to others; especially to other Christians.

               I  wouldn't care  if  you  went into  a  business and  never
          returned to the ministry.  I would be honored, on the other hand,
          if some day I  were able to  say,  "Yes,  I know Rayburn  Cox...I
          even new  him before  he was  a millionaire."   There  is nothing
          wrong with your  desires; in fact, they are  honorable before the
          Lord.  I'm  asking you to simply consider how you are going about
          it without the money and the  hype and glamor in front of  you by
          those who only want  you involved in their idea so  they can make
          more money.  Be honest Rayburn.   The philosophy is "Help me  get
          rich and you'll get rich, too."

               As  I close  my letter, I'm  trying to  guess how you   will
          respond.  I'm guessing, because  of what I've said, I  won't hear
          from  you again for some time; maybe  you'll choose never to talk
          with me  again.   That makes  me sad.   You  mentioned how  other
          Christians whom you had not seen for years  became upset when you
          visited them only to discover they were being visited because you
          wanted to  sell them on something.  I know  how they feel but I'm
          not so sensitive  that I felt that  way.  Like Sandy  said, we're
          just  glad  you  came  to visit  no  matter  the  reason.   I  do
          understand how those  people feel however.   They probably wonder
          if you ever would have contacted them if you hadn't gotten caught
          up into this business.

               Then, too,  I've thought that  you may get really  angry and
          tell me how wrong I am in assessing your motives.  I state again,
          however, I am not questioning your motives and in fact think your
          motives are honest and admirable.  How could it be wrong  for any
          man to want to support his family in the best way he could and to
          also put lots of money into God's  work on earth.  Those are good
          motives and  honorable before God.   If the foundation  is wrong,
          however, we should reconsider.  I wonder if you have gone  to any
          brethren you really  trust, set this before them,  and asked them
          if  they saw  anything wrong  with  the program  before you  gave
          yourself to it?   I know you've gone to others  but not for their
          honest opinion and advice; you went to sell them.  Did you at any
          time  go to two or  three men of  God and show  them the complete
          program  and  ask  if they  had  any  advice?   I  also  would be
          surprised if  Brother Todd  would be  in agreement  if he  had an
          understanding of the way this networking system works.

               Many  years  ago,  as a  teenager,  I wrote  a  letter  to a
          Christian friend in  Iowa.  We had grown up together in a Baptist
          church.  Though  I was living in Nebraska,  we kept in touch.   I
          had allowed my  Christian life to drift into  something less than
          honorable to  God and wrote  him a letter filled  with immorality
          concerning a  girl we both knew.  To  my amazement, he wrote back
          and chastised me for  my letter and told me I  was totally out of
          line and to  get my Christian act together.  Though I was stunned
          by his  letter, I respected him for his  stand and his courage to
          warn me of  my ways.   Only  a friend,  I knew,  could have  been
          courageous enough  to have written  that letter to me.   I trust,
          though  I'm not comparing  you to a  Christian backslider, you'll
          consider my letter in the spirit in which it was written.

               Finally, I've  considered the possibility  that you'll  just
          consider me a jerk and  ignore anything and everything I've said.
          I hope  you won't consider me anything  less than your friend but
          that, too, is  a possibility that has  crossed my mind.   The one
          thing which I don't believe will happen  is that you will take my
          remarks seriously.   I  know you  won't give  up what  your doing
          because  of the results  and satisfaction you've  gotten from it.
          The money,  the people  you've meant, The  trips you've  taken to
          Mexico, the traveling from  one end of  the country to the  other
          and the exciting meetings you've been to are all pretty difficult
          to  overlook.    I will  pray  for  you, however,  that  God will
          continue to lead you in the direction  He wants.  You are one  of
          the most Godly pastors I've ever known.  You mean more to me than
          nearly any man with  which I've ever worked.  You  are one of the
          greatest soul  winners I've ever  had the privilege of  seeing in
          action.  None of these feelings I have will ever change no matter
          what and where you go in life Rayburn.  I pray, however, you will
          consider what I've said.  Forgive  me if you think I'm being  too
          personal and trying to tell you how to live your life; that's not
          my intention.  The  reason I said nothing while you  were here in
          Denver  was out of respect  for you and  to hear you  out.  Then,
          too,  I felt what you did  was none of my  business.  It still is
          none of my business but as one of your brethren, I felt I had  no
          choice but to ask you to at least think about what I have to say.
          My love  for you as a brother in  Christ, however, over rules any
          of my other considerations for  grounds not to write this letter.
          I would have  had a difficult time living with myself if I didn't
          express these thoughts.  I know you didn't ask for them but  if I
          didn't respect  you and love you  as my brother,  I wouldn't have
          taken two days and many hours to write this long letter.

               I am not saying any of these things  out of spiritual piety.
          In fact, I often  feel I have failed in the ministry.   I have no
          church, as do you, to point  to and say, "See, that's what I  did
          for the Lord."  The only church I ever pastored eventually folded
          though  we did  so oweing  money to no  one.   I don't  feel more
          spiritual than you or anyone else and this letter was not written
          with that attitude even if you think otherwise.   I'm not telling
          you how to live  your life; I'm telling you that  as a Christian,
          some networking programs violate  Biblical principles and morals.
          Since you've lived your entire life by the Scriptures, I'm simply
          requesting you  examine the  Scriptures in  relationship to  this
          business.  I would be disappointed in you if you saw something in
          my life  you felt cut the grain of  Scripture and didn't tell me.
          I hope you'll believe that I am attempting to do the same now.

               I pray  God's best for you Rayburn and  if you remain in the
          program you are currently in, I'll think no  less of you.  I feel
          honored that you even thought of me and my family as part of what
          you are doing and I  mean that sincerely.  I trust it will always
          be so.

                                                  Complete In Him,



                                                  Phil Scovell
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