I first met Dick as a co-worker at Niagara Finance (IAC) in the early 1970's. We became friends at that time & remained so for the ensuing 40 years. We would communicate by phone a couple of times a month right up to the end where previously we would get together at "mole end", in Willowdale, or at one of our homes on Lake Muskoka over the years. Politics and religion were usually the topic's of the day and I did my best to pass my strong faith in his direction. Let me send my sincere belated condolences to the entire Pepperdene clan. Keep looking up. (Luke 1:37)