Aaron jumped into the insurance industry after graduating from Colorado State University and has been with RSS ever since. He is licensed in 16 states in property, casualty, health, life and surplus lines. He loves learning about new people and new businesses and has made it his passion to help our customers make sure they are properly protecting what’s most important to them. Aaron enjoys woodworking, camping, hiking, motorcycles, traveling, reading and spending time with his family.
Sara Hoffman
CFO & Owner
Sara joined the insurance industry after graduating from Colorado State University with a degree in Business Marketing. She’s been married to her husband and best friend, Aaron, since 1995, and keeps busy assisting him in managing their agency, telling its story, and managing the accounting department. Sara also enjoys visiting and spending time with her adult children, date nights with Aaron, cooking, reading, traveling, exercising, hiking, camping, and entertaining at her home in Broomfield.
Ernie Schaefer
Insurance Advisor
Ernie purchased RSS in 1995 from the original owner Ron Richards and strengthened and continued to build our agency through our key values of experience, integrity and honesty. In January 2015, Ernie transferred ownership of the business to his daughter and son-in-law so he could spend more time doing what he loves most- traveling with his wife of 48 years, Terry. Ernie has lived in Colorado since 1985, and has a degree in business from Black Hills State University. He loves restoring antique furniture when not traveling, advising at RSS, and spending time with his five grandchildren.
Nikki Aragon
Director of Operations
Nikki Aragon joined our team in 2022 as our Director of Operations. While Nikki has lived in Colorado for 26 years, she grew up in Waterloo, Iowa, and then attended the University of Arizona where she obtained her degree in business.
She and her husband Dan have five adult kids together, one dog, two cats and six chickens. Nikki’s hobbies include traveling, camping, hiking, and 4-wheelin’! She’s a proud fan of the Denver Nuggets, Denver Broncos, and the Iowa Hawkeyes. She says that learning is one of her greatest passions, and she especially enjoys learning about history, people and places, the bible, finances, and technology. She is also devoted to helping the most vulnerable in our world, especially children and animals.
Kaitlin Barth
Employee Benefits Account Manager
Kaitlin joined our team February 2022 as our newest Employee Benefits account manager. She brings with her eight years of experience in the Employee Benefits, HR and Benefits Administration field (along with a very fun and sweet personality).
While Kaitlin just moved to Lakewood with her new husband, Shawn, two stepsons, Mieka and Xandor, and two dogs, Busta and Charlie, she grew up in Highlands Ranch and is a Colorado native. She is a fan of Colorado sports (especially the Denver Broncos), going for bike rides, putting together puzzles, walking, reading, cooking new meals, and playing cards with her family.
Kaitlin is passionate about taking care of people and believes in treating others the way you would want to be treated. She follows the belief of striving to leave people better than when you found them and leaving a good impression on others. The most important things to Kaitlin are God, her family, her career, and her friends. She also believes in working hard and playing hard, as life is not promised and it’s important to take advantage of opportunities as they come.
Greg Beehler
Insurance Advisor
Greg is a true Coloradan having been born and raised in Arvada, Colorado. Greg graduated from the University of Colorado in 1993 with a degree in engineering. Greg continues to live in Arvada where he is raising his two sons, Ethan and Adam. Greg loves being involved with the sports in which his boys participate and is an active golfer and tennis player himself. Greg feels strongly about caring for his family and his customers. He says, “My honor and integrity are very important to me. It’s not only my goal to find the best price and coverage for my customers, but to help them understand what they are purchasing and why it’s important.”
Katy Beehler
Insurance Advisor
Katy is a Colorado native who became an agent at RSS in early 2012. She graduated from Covenant Bible College and earned a certificate in Biblical Studies. She proudly holds a license in Property, Casualty, Life and Health insurance. She has two young children named Zach and Kyleigh and loves spending all of her extra time with them. Katy loves playing board games with friends and family. She is also passionate about learning new things and has a passion for being outside and enjoying the Colorado mountains.
Jessica Beuten
Personal Customer Service/Account Manager
Jessica joined RSS as a customer service support team member July of 2017 and became licensed in Property/Casualty insurance shortly thereafter. She comes from a large family (she’s one of seven kids) and is a Colorado native. She can read and speak sign language, as both of her parents are deaf. Jessica has been married for two years to her husband, Darian, who works in construction. Jessica took classes for a year in Business Administration and enjoys traveling, hiking, baking, knitting, and trying new foods. She loves watching “The Office” and “Parks and Recreation,” and of course the Broncos games with her dad. Jessica says the most important things to her are her faith, spending time with her husband and family, and being active in her church. We are very excited to have her as part of our team and we hope you get a chance to meet her!
Dena Brown
Commercial Customer Service/Account Manager
January marked Dena’s 28th year with RSS! She is a licensed Property and Casualty CSR for our business clients. She has been married to her husband Charlie for 31 years and they have one daughter, Brittany, who is a Social Studies teacher in Jefferson County. Dena is also a dog lover, with two of her own named Snickers and Harley. Dena loves the Denver Broncos and Colorado Rockies, and enjoys bowling, long walks and time with her family. Dena says that RSS is like her second home and family, and her goal is to retire from RSS Insurance Services.
Stephanie Gonzales
Insurance Advisor
Stephanie is a fourth generation Coloradan who joined our staff in June of 2014. She is a licensed Property, Casualty, and Life agent and loves getting to know her customers! She is passionate about animals and has three adopted dogs and two cats. In her spare time Stephanie enjoys cooking, baking, and grilling…most nights of the week you can find her cooking something tasty in her kitchen! Above all, Stephanie says she enjoys spending quality time with her family and friends.
Destiny Horton
Account Manager
Destiny joined the RSS team as a Personal Lines Account Manager in April 2021. She is originally from Oklahoma and has been in the insurance industry for almost 7 years. When asked what she likes most about the insurance industry Destiny said, “I enjoy problem solving for my clients as well as taking a collaborative approach with my teammates. I strive to become a subject matter expert who can help my clients understand their risks and properly protect them.”
Destiny has been married to her husband, Logan, for nine years. Logan is on active duty in the Army, and Colorado is Destiny and Logan’s fourth “home.” Destiny and Logan are always excited to see new places as they are both from very rural areas. Together they have 3 dogs, Bella, Mollie & Harley.
Since moving to Colorado in 2018, Destiny says she has tried to take advantage of the outdoors and go on hikes as much as possible. She loves getting out on the weekends and trying new local food spots, and she has enjoyed the variety of people she has met while out and about in Colorado. When asked what is important to her Destiny said, “Relationships are a priority in my life. Whether personal or professional, I am a firm believer in nurturing relationships to allow them to grow and be long lasting.”
Colleen Judge
Insurance Advisor
Colleen joined the RSS team in March of 2019 after moving to Colorado from her home state of Illinois. Colleen came to RSS with two years of experience in the insurance industry under her belt. Colleen has a degree in Broadcast Communication with a minor in Marketing from Western Illinois University. In her spare time Colleen enjoys being outdoors, reading, playing card games and watching movies. Colleen is an avid St. Louis Cardinals and Chicago Bears fan (sorry Colorado sports fans) and is passionate about the environment, forming meaningful relationships and of course, dogs! When asked what is important to her Colleen said, "Faith, family, friendship and always doing the right thing, even if it's difficult."
Julia Keith
Office Administrator
Julia is a Colorado native who joined the RSS team in 2020 as an Office Administrator. Julia is excited to explore the insurance industry and is ready to learn and grow as an insurance professional at RSS.
RSS welcomed Rena and her wealth of health insurance industry knowledge to our agency in June of 2016. Rena has worked in the health benefits industry for over 14 years and is licensed not only health and life, but also in property and casualty insurance as well. She is a Colorado native, grew up in Denver and has a 12-year old daughter named Shelby. Rena loves the outdoors and staying active. She enjoys hunting, fishing, camping, backpacking, snowboarding, biking, working out, swimming and boating. She loves spending her time with family and also enjoys watching sports. She says she is passionate about everything she sets her mind to and loves to try and experience new things, and always gives it her all.
Darin Kraft
Construction Industry Ambassador
Darin joined the RSS team in October of 2019 as an Insurance Advisor. Darin is a Colorado native and grew up in Arvada. He has been married to his wife, Jill, for 20-years. Together they have four children, Jesse, Jasmine, Ashley and Trevor. When out of the office, Darin enjoys fly fishing, watching the Broncos and spending time with his family. Darin came to RSS with a plethora of experience, specifically within the construction industry. Prior to coming to RSS, he worked as a Risk Management Specialist with 2-10 H.B.W. Darin’s wealth of knowledge and background easily translate over to the insurance industry as his past work experience required him to obtain his Property and Casualty insurance license. Darin is passionate about helping individuals and businesses in our community excel. It is this passion that brought him to RSS.
Kelsey Lee
Office Administrator
Kelsey is originally from Cedar Rapids, Iowa, but she has been in the Denver Metro area for 16 years now. She went to middle school at St. Louis Catholic school in Louisville and attended high school at Holy Family in Broomfield. After high school, Kelsey attended Metropolitan State University of Denver where she completed her Bachelor’s degree in Biology and minor in Environmental Science. Kelsey is married to her husband, Cannan, and together they have a German shepherd named Zeus and a tabby cat named Darwin. Both Kelsey and her husband come from large families. She has four siblings and he has four siblings. They are both very close to their families and are very lucky they are able to see them often. In her spare time, Kelsey loves baseball and the Rockies. She goes to opening day every year as well as about 25 games a season. Kelsey and her husband hike a lot, and they like to hike 14ers. Kelsey says she “enjoys anything that is involved with being in the mountains.” She also enjoys reading, visiting wineries and playing board games with her husband. Kelsey is passionate about new experiences. Anytime she can travel and see new things, she jumps at the opportunity. In fact, Kelsey was able to go to Thailand after college for two months and volunteer with elephants and backpack around Thailand (UM, COOL!). When asked what is important to her, Kelsey said, “Making the best of every moment that I can. I truly value my time with family,
Jenna Mahannah
Community Relations Manager
Jenna joined the RSS team February 2018 as Community Relations Manager. Jenna has a super friendly personality and loves helping others and meeting people. She truly enjoys new experiences and new challenges. She recently moved to Colorado from Illinois with her fiancé, Jim. She attended Eastern Illinois University and graduated with a bachelor’s degree in Communication Studies. Jenna enjoys hiking, skiing, traveling, and being outdoors. She says, “My family and friends mean everything to me and I wouldn’t be where I am without them.”
Dani Massingill
Personal Lines Account Manager
Dani joined the RSS team in May of 2019 as a Personal Lines Account Manager. Dani is a mom to two beautiful daughters, Sydney and Tilly Jean and is a competitive power-lifter. When Dani isn't running her two kiddos around or power-lifting, she enjoys teaching horseback riding to people with special needs, spending time with her boyfriend, Justin, coaching softball and ANYTHING outdoors. Dani is passionate about working with today's youth and hopes to start more programs or after-school activities that encourage kids to get involved in power-lifting or fitness. When asked about what is most important to her Dani said, "My family, my faith and doing all I can while on this earth to help others, build friendships and leave a positive impact in any way possible."
Angela Mattei
Employee Benefits Advisor
RSS welcomed Angela to our insurance team in June of 2015. She has been working in the health insurance industry for over 22 years and holds a health and life insurance license. She loves meeting new people and prides herself on the relationships she builds with her clients. Angela lives in Thornton with her husband and best friend René. She has one beautiful daughter named Jennaé and a four-legged child named Preston. Angela is a huge Broncos fan and loves spending time with her family, being crafty and creative with her daughter, decorating and spending lots of time outdoors in our beautiful state. She says her goal is to continue to grow and prosper as a businesswoman and educate her clients in every way possible in this ever-changing world of healthcare reform, but to also enjoy and cherish each moment in life with her family.
Cindy McCain
Employee Benefits Account Manager
Cindy assists our health insurance clients as a Group Benefits Account Manager. Cindy has an extensive background in the health insurance industry and is a fantastic asset to our group health insurance clients. Cindy says she is passionate about helping her clients and always tries to go above and beyond to help businesses with their health insurance needs. Cindy currently resides in Georgia with her husband of 36 years. Together they have two sons and a wonderful daughter-in-law. In her spare time, Cindy and her family love to scuba dive, hit the beach and travel to new places. Cindy also enjoys mentoring new moms and helping them navigate the crazy world of motherhood in her spare time. When asked what is important to her Cindy says, “My faith, my family, and wanting to do whatever I do with excellence.”
Michelle McDonald
Insurance Advisor
Michelle joined the RSS team in May of 2016 as our in-house health insurance specialist and advisor for Group and Medicare plans. She has 22 years of experience in the health insurance industry. Michelle is a Colorado native and grew up in Westminster near Standley Lake. She still currently resides in Westminster where she is raising her son, Gavin with her husband, Rex. When not assisting and advising clients about the ever-changing health insurance system, she loves spending time with her family and friends and enjoys cooking/baking, yard work, photography, and walking her family’s dog “Goose.” And of course, she’s a BRONCOS fan!! When asked what’s most important to her she says, “God, family and friends.” Michelle really cares about people and wants to make a difference in their lives.
Evie O’Brien
Office Administrator
Evie joined our team in March 2022 as our agency Office Administrator. She’s a Colorado native living in Lakewood, and has seven siblings, including a twin sister. She’s worked in the insurance industry for five years and has a certificate in Basic American Sign Language. Evie loves reading, bowling, fishing, and camping. She’s a fan of country music and enjoys spending her free time with friends and family. She also likes to cook and bake and LOVES coffee!
Stephanie Moehlenpah
Genisi Pennie
Employee Benefits Advisor
Genisi joined the RSS team in June of 2020 as an Employee Benefits Advisor. Genisi grew up in both Thornton and Northglenn, Colorado. She is a 5th generation native of our great state! Genisi graduated from Northglenn High school and has attended both Regis and Metro University. She currently attends Metro University, working on finishing her Bachelor and Masters degree. Genisi is currently studying accounting to round out her understanding of business. Genisi is happily married to an amazing man, Dave. She has one 22 year old son, Justin, who is a very talented artist. She has a 30lb Maine coon cat named Filo, and 2 dogs, Hagar and Dakota. Also, her dad Dale is her best friend. Genisi says she “has so many interests she can’t keep up with them all,” so she dabbles in a bit of everything. She sings in a classic rock band that hardly ever has gigs…they just like to play together. 😉 She also loves going to the movies, reading, watching TV, kayaking, going to sporting events when she can and walking with her dad. Genisi loves to try new things. She just recently left the country for the first time, and on top of everything else she is currently pursuing, she is beginning to look into backpacking and she has also started taking golf lessons! Genisi’s community oriented mindset perfectly aligns with the overall mindset of our team. In the additional spare time that she has (how does she even have any?!) she enjoys helping others. She says, “I want to help where I can. I want to offer time, expertise, experience, or whatever else is needed. I enjoy volunteering, taking food to friends in hard times, and explaining complex things that I happen to understand, in a simple, easy to grasp manner. I love to make someone feel comfortable with something that previously made them nervous or apprehensive.” When asked what was important to her Genisi said, “My family, ethics and spirituality, equality and acceptance of each other, relationships with good people, and continued growth in my own life.”
Jenny Reaney
Commercial Certificate Manager
Jenny joined the RSS team in May of 2019. She is a Colorado native and grew up in Wheat Ridge. Jenny comes from a small family and loves spending time with her parents and grandma. Jenny loves to learn new things, especially when it comes to DIY projects around her house. She knows how to install flooring, put up drywall, fix the plumbing and remodel bathrooms. When Jenny's not working on a project around her house, she enjoys spending time in the mountains or outside with her pup, Anna. When asked about what she is passionate about Jenny said, "I am passionate about being the best version of myself everyday and helping people. I enjoy making someone smile and being that rainbow in their cloudy day."
Elizabeth Stark
Personal Lines Account Manager
Elizabeth joined the RSS team in November 2021. Elizabeth grew up in Wichita, Kansas and studied at Kansas State University where she graduated with a bachelor’s degree in Psychology. Elizabeth moved to Colorado in 2017 with her partner, Kenneth. They married in 2019 and have two pets together, Ava and Samson. Kenneth has a bachelor’s in technical theater and enjoys a fruitful career as a set carpenter at the Arvada Center of the Performing Arts. When asked about her interests Elizabeth said, “I am a huge nerd! My husband and I met in debate class in high school, and we bonded over Pokémon games after band practice. These days I enjoy spending my time working on crochet projects, watching Star Trek, and playing PC games online with friends. We also enjoy hiking and camping trips during the summer months.” While Elizabeth cheers for mostly for Kansas based sports teams, she does support the Colorado Rockies as her MLB team. Elizabeth believes it is important that she’s continuously improving herself for the betterment of her family, community, and society as a whole. She believes it’s important to be the examples of change we want to see. Elizabeth says to our clients, “I’m very excited to join the RSS team! We are going to work together to provide great service to you and our community.”
Blaine Swanson
Insurance Advisor
Blaine joined the RSS team in July of 2020. Blaine has 11 years of experience within the insurance industry. He is a Colorado native and grew up in the Westminster/Thornton area. We went to Jefferson academy for high school and then went on to attend Colorado State and obtain a degree in finance. Blaine met his wife in high school and they now have two kids, Breck who is three year old and Tess who is 6-months old. They also have a golden retriever named Peyton. In Blaine's spare time he enjoys all things sports as well as spending time with his family. Blaine loves to stay active and is an avid golfer. When asked what was important to him Blaine said, "My family and my church as well as humility and accountability in all facets of life."
Jen Teeuwen
Commercial Lines Account Manager
Jen began her career at our agency April of 2022 as a Commercial Lines Account Manager. She has 15 years of insurance industry experience, with the latest nine years as a CL Account Manager/Operations Manager at an agency in south Denver. While she grew up in Dallas, Texas, she’s called Colorado home for over 15 years. Jen is happily married, a has three adult sons named Anthony, Travis, and Jack, and has a dog named Roux. Jen enjoys working in the yard, hiking, road trips, traveling, visiting with loved ones, and weather warm enough to enjoy her sunroom. She also enjoys volunteering in the community, and she does her best to make the most of her life by enjoying the little things.
Kristen Wenger
Commercial Account Manager
Kristen joined the RSS team in February of 2020. Kristen has several years of experience within the insurance industry. She will be focused on assisting our agents in quoting new business accounts and obtaining the best possible customized insurance programs for our incoming business clients. Kristen’s role is new to RSS and will allow our current account managers more time to care for our current clients and review their ongoing insurance needs. At RSS we always strive to provide the best experience for our customers, and Kristen’s role will help do just that. Kristen grew up in the bay area of California where she went to school at St. Mary’s in Moraga, California. She and her husband have lived in the Metro Denver for a while now and absolutely love the great state of Colorado. Kristen loves dogs and enjoys traveling, exploring new places, camping and bike riding in her spare time. When asked what was important to her Kristen said, “work ethic and personal integrity.”
Evie joined our team in in March as our agency Office Administrator. She’s a Colorado native living in Lakewood, and has seven siblings, including a twin sister. She’s worked in the insurance industry for five years and has a certificate in Basic American Sign...
RSS is thrilled to announced that Nikki Aragon has joined our team as our new Director of Operations! While Nikki has lived in Colorado for 26 years, she grew up in Waterloo, Iowa, and then attended the University of Arizona where she obtained her degree in business. ...
Kaitlin joined our team this month as our newest Employee Benefits account manager. She brings with her eight years of experience in the Employee Benefits, HR and Benefits Administration field (along with a very fun and sweet personality). While Kaitlin just moved...
The start of a new year is a great time to review your current insurance insurance coverage as a business owner and/or individual. As independent insurance agents, we work hard to make sure you have the right coverage at the best price possible. In order for us to...
... The start of a new year is a great time to review your current insurance insurance coverage. We’ve put together a blog post on the importance of reviewing your insurance coverage regularly to make sure is is up to date. As independent insurance agents we...
Phew! We’re coming up on the end of this crazy, frustrating, never ending rollercoaster of a year. Goodbye 2020…can’t say we’ll miss you! However, even with all the frustrations, trials, anxieties, and disappointments that came with 2020, here at RSS we had much to be...
How’s everybody doing? If you’re like me you’ve experienced a steady stream of different feelings during the last few weeks. Uncertainty, fear, gratitude, doubt…the list goes on and on. There’s a lot of information coming at us right now,...
As technology progresses, we are continuing to see a slew of online insurance companies advertising a “quick and easy experience” when it comes to obtaining both personal and business insurance policies. While online insurance companies may make the...
We spend a lot of time taking stock and evaluating RSS. We remain aware of where we have come from and what has always made us unique. We’re the stewards of our agency’s future and the special qualities that define it. It’s a responsibility that we find both...
What will 2020 look like for you? For us, it will be a year of MORE. As we look forward to a new year, especially a new decade, we hold much hope, optimism and excitement for what 2020 has in store for RSS. We feel confident that as we enter the 20’s our agency will...
It’s hard to believe that 2019 is drawing to a close! Where did the year go? It was such a full year filled with many changes, improvements and milestone events. Every December we take the time to look back on the year to reflect on everything that happened...
Ding, Ding, Ding! The battle between Captive vs. Independent Insurance Agents is a constant topic in the world of insurance. So, what are the main differences between the two? Today we are going to tell you just that…and why choosing an independent agent, such as RSS,...
Don’t you enjoy spending time with like-minded people? People who just get you and seem to “do life” the same way you do? Life and relationships are just more enjoyable when you know what to expect, know who you can rely on and know who you can trust. Just like many...
RSS Difference #4: EVERYONE AS EQUALS – We believe in treating others how we would want to be treated. We are committed to respect and hospitality for our client partners, our cherished employees, and the community we serve, together. From the moment you walk through...
In honor of National Insurance Awareness Day today, we’ve put together a blog post on the importance of reviewing your insurance coverage regularly to make sure is is up to date. As independent insurance agents we work hard to make sure you have the right...
RSS Difference #3: A Trusted, Local Advisor Insurance doesn’t have to be intimidating. We want you to know that when you walk through our door. That’s why we approach every client relationship with warmth, honesty, and compassion. We care. We care about our clients,...
Hiking season in finally upon us! We asked five members of the RSS team what their favorite hikes/summer destinations are, and we think you will like what they had to say! Check out their picks below. ↓ 1. Kim Trotter, RSS Commercial Account ManagerFavorite Hike:...
Our take on honesty in a not so honest world. If you’ve been a client or friend of RSS for very long, follow us on social media, or subscribe to our newsletter, you know that the values we uphold at RSS are extremely important to us. While we are grounded by several...
RSS Difference #2: Our level of knowledge and experience in this business sets us apart, yet we continue to challenge ourselves to evolve through mentorship and ongoing education. We desire to be the very best at what we do at RSS. We strive to inform, educate and...
St. Patrick’s Day, Mardi Gras, Polar Bear Plunge and Valentines Day are just a few popular events coming up in the next couple of months that may require special insurance coverage. Take St. Patrick’s Day for example, every year we celebrate by dressing in...
RSS Difference #1: We are insurance partners, not peddlers. Every suggestion we make comes from a place of integrity and consideration for your needs and never ours. We believe that in a world of “insurance sameness,” RSS stands out. We’re different than many of the...
A new year means one thing: a fresh start. Each year millions of people create goals to start bettering themselves on January 1st, with the hope they will stick to the resolutions they have made. The concept of New Year’s resolutions has been around for over 4,000...
The holidays are a time to visit with the ones we love and celebrate with special family traditions. It seems everyone has a special activity they partake in each year during the holiday season. We interviewed a few of our team members at RSS to learn about some of...
Another Year in the Books, Another RSS Year in Review As another year ends, we look back on the many events and activities of the past 12 months and reflect on the goals we attained,our milestones reached and the changes that have occurred. We mentally make note...
Earlier this fall, we shared our new tagline, “Protection, Taken Personally.” In a nutshell, “Protection, Taken Personally,” encapsulates not only the services we provide, but how we do business, treat our clients, and view everything we do. When we developed our...
September is National Preparedness Month. Plan now in case a disaster strikes! Disasters can happen quickly and unexpectedly. The most important step to staying safe is being prepared BEFORE an emergency occurs. It is important to make sure that the entire family is...
Severe weather season in Colorado is still upon us, and the hail storms are not backing down. Thousands of homes and businesses throughout the area have seen extensive damage from the violent weather. Were you in an area that was hit hard? If so, most likely you will...
With a new look and new name, comes a new tagline. We are so excited about the new look and new name we rolled out for our agency this summer! We hope you like it too! Earlier this year, as we evaluated our agency and what we wanted to communicate to our clients and...
For most of us, the Fourth of July is a time to enjoy the company of family and friends, have lots of fun and create memories – whether at home or away on vacation. Typically, in early July, sparklers, fire crackers and fireworks play a large part of the holiday...
Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming...
