TD&P Consulting, Inc.

TD&P TD&P CONSULTING, INC. A Minority and Woman-Owned Healthcare Consulting Firm Specializing in the Assessment of Medical Damages and Future Healthcare Costs TD&P Consulting, Inc. is a national consulting firm that works The medical damages analyses and reports prepared by with insurance carriers, self-insured corporations, and legal TD&P Consulting, Inc. serve as a turnkey solution to guide counsel in litigated bodily injury and medical professional litigants through mediation, trial, or the negotiation of a liability claims, which require the analysis of past and future settlement. By explaining guidelines for governing case medical expenses. valuations as well as what to expect in terms of market-based Co-Founder and Chief Strategist, Thomas J. Dawson III, Esq., healthcare costs, the parties are better equipped to evaluate MPH, MA is an expert in health insurance reform, healthcare and select a medical treatment plan that meets their needs. policy and regulatory analysis, as well as the Affordable Care Act. He worked for the U.S. House of Representatives during Litigation Support in State and Federal the passage of the ACA and was intimately involved in the Courts Across the Country development of key provisions within the legislation. The six healthcare professionals featured in this firm resume The healthcare professionals at TD&P Consulting, Inc. include lawyers, physicians, an economist, a certified medical are court-approved experts with state and federal court reimbursement specialist, healthcare financing experts, an experience in most states across the country. actuary, and authorities on Medicare and Medicaid. They are supported by a team of healthcare and policy analysts with deep knowledge of healthcare billing practices, reimbursement structures, insurance policy, and medical standards of care. Experts on Medical Damages States where TD&P Consulting, Inc. has TD&P Consulting, Inc. uses predictive modeling to forecast provided expert services. future health care costs over time and is nationally recognized for its work involving the calculation of reasonable value of Please see Exhibit 1 for a list of representative cases. medical goods and services. Reports prepared by the firm give injured parties, legal counsel and insurance carriers a clear outline of the options available for suitable medical care in a given market, considering out of pocket costs, Medicare, Medicaid, Tricare for veterans, ACA plans, and commercial insurance alternatives. Contact TD&P Consulting, Inc. for a Complimentary Consultation The healthcare experts at TD&P Consulting, Inc. are available to discuss a potential matter involving healthcare costs in a liability claim, workers’ compensation, accident, health, or product liability matter. 1400 SPRING STREET, SUITE 500 | SILVER SPRING, MD 20910 | 301.328.0221 | www.tdpartnersconsulting.com

TD&P PRACTICE AREAS Expert Witness Services Healthcare Delivery Cost Analysis TD&P Consulting, Inc. healthcare professionals serve as TD&P Consulting, Inc. applies consulting or testifying experts in any type of case involving healthcare policy to “real world” bodily injury and medical damages, including but not limited situations. This is important to: and valuable because state and • Automotive liability federal healthcare legislation • Construction accidents and regulatory policy provisions • Environmental / toxic tort are complex, confusing, and • Medical malpractice lengthy. Each provision can result • Premises liability (slip, trip or fall) in millions of dollars in additional • Products liability expenses and compliance work. • Trucking accidents The experts at TD&P Consulting, Inc. simplify how regulatory • Workers’ compensation provisions will apply when assessing the cost of healthcare or compliance modifications. Members of the firm routinely One of the key points of discussion about healthcare reform work with insurers, self-insured among healthcare providers and carriers is the requirement entities, plaintiff and defense that health plans offer minimum essential coverage. Not only counsel in state and federal has this federal provision been adopted among several states courts across the country. Each in regulations, but it has changed the way insurers reimburse case is carefully analyzed to fully and the medical community provides care. identify the nuances associated The analytic approach used by TD&P Consulting, Inc. to with delivery and reimbursement project future medical costs assists litigation parties during in the healthcare marketplace critical phases of workers’ compensation, accident and health, specific to that matter. or liability claims. Claims Litigation Support Medicare Set Asides Mr. Dawson’s testimony on the valuation of future medical TD&P Consulting, Inc. has educated clients on Medicare expenses in the California case, Cuevas v. Contra County and federal reimbursement policy for almost 10 years. A (2017) is considered groundbreaking. This is one of many proprietary approach to Medicare Set-Aside Arrangements examples where the firm’s approach to determining the (MSAs) developed by TD&P Consulting, Inc. focuses on reasonable value of medical goods and services has resulted helping clients meet their obligations. Federal law makes in important legal decisions. clear that any entity found to be shifting claims for bodily TD&P Consulting, Inc. independently analyzes and values life injury to Medicare to pay for future medical costs related care plans including healthcare delivery costs, medications, to an injured individual’s workers’ compensation liability, diagnostic testing, counseling, transportation needs, and automobile injury, accident, or illness can be held liable for other factors required by patients with catastrophic injury or double damages, penalties, and fines. chronic illness. The firm also evaluates the work of opposing The methodology pioneered by TD&P Consulting, Inc. offers experts to assist counsel and claims managers assess the clients a fixed-price MSA settlement solution that is compliant strength and weakness in a case. Clear and compelling facts with federal law and based on measurable data. Every case are presented at trial to educate jurors, the judiciary, and is given individual attention by professionals trained in other parties to the litigation. medicine, claims, finance, and the law. TD&P CONSULTING, INC. -2- www.tdpartnersconsulting.com

TD&P Life Care Planning Regulatory Compliance TD&P Consulting, Inc. specializes TD&P Consulting, Inc. delivers insightful and comprehensive in providing reliable findings solutions for navigating today’s healthcare marketplace. on the cost of care for attorneys Using a customized and research-based approach, the firm’s handling cases where an healthcare professionals help claims executives, benefits individual has been severely managers, legal counsel and others find the right solution for injured. Members of the firm regulatory compliance. utilize a methodology that is Recent legislative actions have created a host of new systematic, comprehensive and healthcare regulations that must be considered for business objective. TD&P Consulting, Inc. compliance. In addition, anticipated new payment models evaluates the accuracy and value and increased numbers of insured patients present both of life care plans and provides recommendations for benefits challenges and opportunities for third party vendors, payors, eligibility, Affordable Care Act impacts, insurance coverage and providers. options, quality health plans and other variables affecting an The healthcare professionals at TD&P Consulting, Inc. offer individual’s care, such as state collateral source rules. a deep understanding of public and private programs, including but not limited to: • Affordable Care Act plans • Children’s Health Insurance Programs (CHIP) • Medicaid, including waiver programs • Medicare • Private health insurance (PPOs, HMOs, etc.) • Rare and expensive disease management programs • State specific available programs • Workers’ compensation • Care management Areas of Expertise • Medical cost analysis • Coding and billing • Medical damages • Coordination of benefits • Federal and state laws • Reasonable value analysis • Coverage and benefit design • Independent medical exams • Reimbursement policy • Inherent reasonableness • Market valuation TD&P CONSULTING, INC. -3- www.tdpartnersconsulting.com

Jessica Dawson TD&P Co-Founder and Managing Partner Jessica Dawson is the Co-Founder and Managing Partner of TD&P Consulting, Inc. Ms. Dawson is also the firm’s  majority owner.   As the leader of TD&P, she has successfully established TD&P as the leading minority and woman-owned healthcare consulting firm specializing in the assessment of medical damages and future healthcare costs. Since founding TD&P, Ms. Dawson has grown business revenue from $300K to more than $2 million dollars annually. She is highly regarded in the business community for her successful restructure of TD&P and increasing the firm’s national and international profile.  Ms. Dawson is described by peers as an insightful entrepreneur with a clear understanding of business and the tools needed for success.   In her role, Ms. Dawson is involved in sales management, new business development, product development, distribution channel management, and customer service. Her leadership over business development is integral to the activities and performance of all departments within TD&P. Ms. Dawson focuses on development and business growth through building relationships in the industry, identifying opportunities, and completing business relationships. She combines strategic thinking with energy, sharp execution and ambition, which has enabled her to develop business strategies capable of reaching targeted goals to attain company objectives.   Ms. Dawson is also the co-founder and managing partner of Cre8tive Point, a Bethesda, Maryland marketing agency specializing in website design, graphic design, and photography. Cre8tive Point helps clients effectively communicate a brand’s message in a thoughtful and appealing way.    Education and Training Monroe Technical Center -- Graphic Design Nova Community College -- Graphic Design TD&P CONSULTING, INC. -4- www.tdpartnersconsulting.com

TD&P Meet Our Professional Team Members Thomas J. Dawson III Tom Dawson is the Co-Founder and Chief Strategist of TD&P Consulting, Inc., a minority and Esq., MPH, MA woman-owned national healthcare policy and litigation support firm. He serves as an expert Co-Founder and witness in federal and state court and has offered opinions on matters involving medical costs, Chief Strategist health insurance, reasonable value, and the Affordable Care Act. Mr. Dawson’s testimony on the valuation of future medical expenses in the California case, Cuevas Expert Witness v. Contra County (2017) is considered groundbreaking. The decision and his testimony changed the discussion about healthcare costs and medical damages. Consultant Beyond the Cuevas decision, Mr. Dawson’s work is highly regarded in the legal community. He is frequently asked to advise legal teams on reasonable value of medical expenses. To date, Mr. Dawson has supported the work of numerous litigators including those representing municipalities. He has also been retained by the U.S. Department of Justice (DOJ) to assist in the determination of medical damages involving VA and military benefits. Mr. Dawson has worked on Capitol Hill as Healthcare Counsel to the U.S. House of Representatives Committee on Small Business providing guidance on healthcare reform matters and assisting with the development and passage of the Affordable Care Act. Mr. Dawson also served as an attorney and a health pension law specialist with the Department of Labor’s Employee Benefits Security Administration. He has been quoted in the Financial Times and is the author of several articles on medical damages. Among his many activities, Mr. Dawson is a long time member of the D.C. Board of Medicine, and a member of the Editorial Board for the Federation of State Medical Boards. Education J.D., The George Washington University Law School, 1999 MPH, Public Health, The George Washington University Milken Institute School of Public Health, 1999 M.A. and Ph.D. (ABD), Philosophy, University of Florida, 1994 -- Specialization in the Philosophy of Social Science (Medical Ethics) -- Graduate Minority Fellow -- McKnight Foundation Fellow -- Ph.D. Candidate B.A., Philosophy and Biology, Morehouse College, 1989 -- Ford Foundation Scholar -- Army ROTC Scholar Admissions District of Columbia, 2000 TD&P CONSULTING, INC. -5- www.tdpartnersconsulting.com

Shane Johnson TD&P Equity Partner and Vice President Shane Johnson has broad clinical experience and an extensive background in case management and FDA policy. Over his career, Mr. Johnson has developed a reputation as a thought leader and Expert Witness advocate in the District of Columbia’s Medicaid, insurance, and HIV/AIDS community. Prior to joining TD&P, Mr. Johnson worked with Vertex Pharmaceuticals and Amerisource Bergen Consultant as a senior reimbursement case manager. In this role, he coordinated care among patients, healthcare providers, and insurance companies to determine the benefits and coverage for specialty medications treating rare genetic disorders. Mr. Johnson’s breadth of knowledge regarding payer systems and the reimbursement of specialty pharmaceuticals has established him as a leading subject matter expert for co-pay assistance programs, home-infusion therapy benefits, and benefits coordination for Medicare/Medicaid dual-eligible persons. He also worked as a case manager and care coordinator for Trusted Health Plan, a D.C. Medicaid HMO, earlier in his career. His responsibilities included care coordination for Medicaid members with acute, complex and chronic care needs. Mr. Johnson’s work focused on the nursing process, Case Management Society of America (CMSA) standards, the National Committee for Quality Assurance (NCQA), and the Healthcare Effectiveness Data and Information Set (HEDIS) quality measures. His efforts significantly lowered the number of emergency room visits for non- emergency care within Trusted and led to a reduction in the company’s costs. Mr. Johnson is an alumnus of the National Institutes of Health’s Intramural Training and Research Award Program, where he completed a training fellowship with the National Institute for Nursing Research. In 2017, Mr. Johnson was appointed Chairperson of the University of the District of Columbia’s AASN Advisory Committee. In this capacity, he works with the nursing faculty to improve the quality of nursing education in the UDC system. Education B.S., Microbiology and Immunology, Georgia State University, 2013 AASN, Applied Science in Nursing, University of the District of Columbia, 2013 TD&P CONSULTING, INC. -6- www.tdpartnersconsulting.com

TD&P Dr. Jerome Paige, Ph.D Jerome Paige has over 30 years of experience in leadership and management in higher education, Economist and the public sector, and non-profit organizations. He has held full-time academic and administrative Subject Matter Expert positions at the University of the District of Columbia (UDC), the University of Baltimore (UB), and the National Defense University (NDU). Expert Witness A 45-year resident of D.C., Dr. Paige has an on-going professional interest in the relationship between changing economic conditions in D.C. and the changes in the policy issues the District Consultant faces. He is the author of several papers and reports on policy issues in D.C. such as housing development, neighborhood revitalization, financial control boards, economic development, supermarket development, public utilities, energy, citizen participation, and political structures. Dr. Paige’s energy clients have included the former D.C. Energy Office (DCEO), D.C. Department of the Environment (DDOE), Metropolitan Washington Council of Governments (MWCOG), D.C. Office of the People’s Counsel (OPC) and the D.C. Public Service Commission (PSC). Projects for these clients have included comprehensive economic plans, energy assurance plans, performance benchmarks for the D.C. Sustainable Energy Utility, and evaluation of energy programs for DDOE, OPC and the PSC. Dr. Paige currently serves on several boards and committees: D.C. Fiscal Policy Institute; Ward 4 Democrats; and the Civic League of North Portal Estates. His past memberships include: D.C. Educational Licensure Commission; D.C. Rental Accommodations Commission (Vice Chair); Citizens Energy Advisory Commission; D.C. Community Humanities Council (Co-Chair); D.C. Historical Society; D.C. Consumer Utility Board (First Vice Chair); National Parks and Conservation Association; D.C. Tax Revision Commission, Member; Ward 4 Committeeman to the D.C. Democratic State Committee; D.C. Zoning Code Advisory Committee; and Takoma Silver Spring Co-op Committees. Education Ph.D., Economics, American University, Washington, D.C., 1982 M.A., Economics, American University, Washington, D.C, 1974  B.A., Economics, Howard University, Washington, D.C., 1971 Diploma, Advanced Management Program, Information Resources Management College, National Defense University, Washington, D.C., 1996 Fellow, American Council on Education, Washington, D.C., 1988-1989 TD&P CONSULTING, INC. -7- www.tdpartnersconsulting.com

TD&P Dr. Vera Dvorak, M.D. Vera Dvorak is a Board-certified internist and geriatrician. She has extensive experience in a Board Certified continuum of care, with over 40 years working in diverse healthcare settings including home health Internist and Geriatrician services, palliative care, and hospice. She has also served as medical director in all of these areas. Dr. Dvorak has been a practicing physician, a managed care executive, a strategic member of Medical Expert Witness corporate leadership, and vice president and medical director of hospital-based care coordination. She has overseen the appeals department in various managed care organizations; and is the Consultant founder of transitional care management for one of the largest healthcare systems in Northern Virginia. Her focus has been on medical necessity determination, as well as appropriate discharge disposition with defined short and long-term care needs. She has been a proponent of consistently applying evidence-based care guidelines to support clinical decision-making on a case-by-case basis and across the continuum of care to maximize the potential for optimal recovery. She is acknowledged by her peers as an expert in driving and teaching patient-centered care. Dr. Dvorak served on the Capital Caring Hospice Board from 2014-2018 and was an executive advisor to MCG Health, part of Hearst Health Network, from 2013-2015. Education M.D., Charles University School of Medicine, Prague, Czechoslovakia, 1964-1970 Post Graduate Training and Fellowship Appointments Intern in Medicine: University of Oklahoma Heath Sciences, Oklahoma City, OK, 1972- 1973 Resident in Medicine: University of Oklahoma Health Sciences, Oklahoma City, OK, 1973-1974 Fellow in Infectious Diseases: University of Pennsylvania School of Medicine, Philadelphia, PA, 1974-1976 Specialty Board Certifications American Board of Internal Medicine,1976 (Recertification 1987, 1993) American Board of Geriatric Medicine, 1994 Management Training Inter-Regional Middle Management Development Program, May 1988 (Financial management organization, dynamics of change and transition, productivity in Health Care, Human Resources) Service Chiefs Management Enhancement Program, 1991 Improving Health Care Quality - A Comprehensive Curriculum for Health Care Executives, Managers, and Clinician Leaders, March 1992 – Bobson College, Boston, MA AAHP Foundation’s Executive Leadership Program for Medical Directors, June 1998 Certified Managed Care Executive (CMCE) The Wharton Executive Development Program for the Managed Care Medical Directors, November 2004 Six Sigma Training, 2005 URAC Training, January, February 2008 Continuous Medical Education (CME) 100 hours category 1 per year Licenses Current active licenses: Virginia, Inactive licenses: Delaware, District of Columbia, Maryland, North Carolina, West Virginia TD&P CONSULTING, INC. -8- www.tdpartnersconsulting.com

TD&P R. Lucia Riddle, MBA R. Lucia Riddle is a National Academy of Sports Medicine certified personal trainer and candidate Senior Advisor and for their weight loss specialist certification. Until March 31, 2012, she served as vice president of Subject Matter Expert federal government relations with the Principal Financial Group®. In that capacity, she directed the federal legislative and regulatory strategy initiatives for issues ranging from healthcare to tax Consultant policy and financial services. Ms. Riddle serves on the boards of UnityPoint Hospital System, Pathfinder International, the African-American Experience Fund of the National Parks Service, the Smithsonian National Museum of African Art, and the National Coalition and Caucus for the Black Aged. She is also a member of the Executive Leadership Council, the Washington D.C. Chamber of Commerce, and the Capital City Chapter of The Links, Alpha Kappa Alpha Sorority and Sigma Iota Epsilon. In 2008 and 2012, Ms. Riddle was named by Savoy Professional magazine as one of the “Top 100 Most Influential Blacks in Corporate America,” a prestigious list that showcases leaders with exemplary accomplishments, influence and ability to inspire others. In 2011 she also received the President’s Award from the Washington Government Relations Group. Ms. Riddle is a fellow of the Life Management Institute. Established in 1932, the FLMI program is the world’s largest university-level education program in insurance and financial services. She also holds designations from America’s Health Insurance Plans and the International Claims Association. Ms. Riddle is also the owner of Sister Strength, LLC, a fitness company devoted to the wellness, cardio and strength training and physical conditioning needs of women 50 years of age and older. Education M.B.A., Drake University, 1984 B.G.S., Drake University, 1982 University of Missouri, Medical Technology, 1966-1970 Fellow, Life Management Institute (FLMI) Diploma, Health Insurance Association of America (now AHIP) Diploma, International Claims Association Fellow, Public Affairs Institute, Public Affairs Council Certified Personal Trainer (CPT), National Academy of Sports Medicine (2012, 2014) TD&P CONSULTING, INC. -9- www.tdpartnersconsulting.com

TD&P Craig Allen, FCAS, FCIA is a consulting actuary and forensic economics consultant whose expertise in forensic economics is built on a foundation of comprehensive experience in professional liability insurance. Craig A. Allen, FCAS, FCIA For over twelve years, Mr. Allen served the legal profession of Ontario, Canada as Vice President Actuary and Actuary at LAWPRO, the profession’s liability insurer of its 20,000 lawyers in private practice. Litigation support was among Mr. Allen’s contributions in applying his analytical and data Forensic Economics management capabilities to the resolution, financial reporting, risk management, and funding of Consultant a $300 million portfolio of 3,500 complex malpractice claims. Inspired by his service at LAWPRO, Mr. Allen has since worked with insurers and lawyers in an independent practice, providing expert testimony and consulting services in forensic economics and actuarial science. Since 2005, Mr. Allen has been extensively involved in the National Association of Forensic Economics (NAFE), where he has made some 25 presentations at association conferences. In 2014, he was elected to a 3-year term as NAFE’s Eastern Vice President. During his term, he organized seminar sessions that covered the commercial backdrop of litigation, including liability insurance and litigation lending. Since 2015, he has been chair of the Actuarial Evidence Committee of the Canadian Institute of Actuaries, where he has authored a number of the institute’s submissions to governments, and has built bridges between property-casualty insurance actuaries and those actuaries who provide expert testimony and litigation support. He is a steering committee member for the Hartford chapter of the Professional Liability Underwriting Society (PLUS). Mr. Allen is a Fellow of the Casualty Actuarial Society (FCAS) and a Fellow of the Canadian Institute of Actuaries (FCIA). Education Advanced Studies in Real Estate, Specialization in Real Property Appraisal, University of British Columbia, 2010 Diploma, Urban Land Economics, University of British Columbia, 2007 B.Sc., Mathematics, University of British Columbia, 1987 TD&P CONSULTING, INC. -10- www.tdpartnersconsulting.com

TD&P TD&P Consulting, Inc. 2019 Rate Card Telephone Consultation.............................Complimentary Physician Expert Critique And Cost Projection..... $15,000 Our service includes a telephonic consultation with the client This service provides a report similar to a life care plan that to advise them regarding our cost projection methodology. If outlines all future medical needs and provides relevant the client decides not to engage our services, we will prepare medical coding, while offering a projection of future damages a customized waiver for the client to sign. If an in-person based on current state and federal rules. This report also meeting is desired and travel time in excess of one hour is includes an assessment of the cost of medical expenses as required, a charge of $500.00 is applied. determined by the physician. Estimate Of Medical Expenses / Damages.............. $1,500 Medical Cost Projection Analysis And Report....... $20,000 This service includes preparation of a report outlining an This service includes preparation of a complete future medical estimate of the costs of future medical expenses for care cost projection analysis and report. Normal turnaround time related to the injury. It is used for cases where there is a small for a cost projection report is 30 business days from the date settlement and formal testimony is not needed. we receive all necessary documents. An estimate of the percent difference between the projected Business Operations medical cost presented by opposing parties in cases involving significant damages. -- $2,000 TD&P Consulting, Inc. maintains a professional liability policy. Details are available on request. Past Medical Cost Projection / Damages................ $5,500 The firm is experienced with leading electronic billing software This service provides a report outlining all relevant billing services and can generate reports and invoices in any format and medical records associated with the injured party. This required by the client. report also provides an analysis of the reasonable value of all References are available on request. medical expenses associated with the injury. Firm Contact Information Medicare Set-Aside Cost Projection...................... $10,000 This service provides a future cost projection of all Medicare TD&P Consulting, Inc. covered and non-covered medical expense. The report 1400 Spring Street, Suite 500 includes a coordination of benefits analysis, and a medical Silver Spring, MD 20910 review based on the complexity of the case. Jessica Dawson Future Medical Damages Analysis......................... $10,000 Co-Founder and Managing Partner This service provides a report similar to a life care plan that 301.844.5111 Direct outlines all future medical needs and provides relevant [email protected] medical coding, while offering a projection of future damages based on current state and federal rules. This report also Thomas J. Dawson III, Esq., MPH, MA includes a reasonable value analysis assessing all medical Co-Founder and Chief Strategist expenses associated with the injury. 301.328.0221 Direct, Ext. 101 [email protected] Past Medical Damages Analysis & Report............. $15,000 The service provides a report similar to a life care plan that outlines all past medical damages and provides pricing and coding while assessing all charged and paid amounts against current market reimbursement rates. The report also includes a reasonable value analysis assessing all past medical expenses associated with the injury.   TD&P CONSULTING, INC. -11- www.tdpartnersconsulting.com

TD&P Exhibit 1. Representative Cases of Thomas J. Dawson III, Esq., MPH, MA Case Name / Court / Case Number / Service / Date / Outcome Ana Polak v. Southern California Permanente Medical Group, et al. The Superior Court of the State of California of the County of Orange 30-2014-00762644-CU-MM-CJC / Deposition / 9/11/2017 / Settled Mongkolsmai v. Carle Foundation Hospital, Carle Physician Group, et al. The Circuit Court of the Sixth Judicial Circuit Champaign County, Urbana, Illinois 15-L-30 / Deposition / 12/5/2017 / Settled Robert G. Back et al. v. Belt School District 29, Benefis Health System, Inc.; Jessica Hansen; EMC Insurance Group, Inc.; Dakota Fire Insurance Company; Employers Mutual Casualty Company Montana Eighth Judicial District Court, Cascade County, MT Cause No. CDV-16-230 / Trial / 3/5/2018 / Defense Verdict Victor Tracy v. Advocate Condell Medical Center, et al. In the Circuit Court of Cook County, Illinois, County Department, Law Division Case No. 15 L 005579 / Deposition / 7/10/2018 / Defense Verdict D. England v. Dignity Health et al. Superior Court of California, County of Yolo CVPO-2017-1027 / Deposition / 8/23/2018 and 1/18/2019 / Withdrawn A full list of cases for Mr. Dawson and other professionals of TD&P Consulting, Inc. is available on request. TD&P CONSULTING, INC. -12- www.tdpartnersconsulting.com