Dear Jennifer,

I am shocked, stunned and sadened to hear of your Dad's passing. He was funny, humorous, intelligent and compassionate.

I did alot of business with Phil over the years (about the last 5 with him). He was always upbeat and positive. He was in love with his family and his grandkids- he sent me a photo after the last one was born.

What a gift to have a father like Phil. He will be sorely missed by many people. God Bless Him and God Bless his family!

With great love and respect,

Carl S. Back