Planning for an ageing population

McCarthy & Stone is Britain’s leading provider of retirement accommodation for owner-occupiers. Since

the 1970s, it has pioneered the concept of purpose-built accommodation for older people and its name

is synonymous with later life living at its most enjoyable and rewarding.

McCarthy & Stone provides 70% of all owner-occupied retirement and Extra Care accommodation in the

UK. It has built more than 45,000 individual apartments in 1,000 different schemes.

It operates across the UK, building and managing high-quality apartments that include varying levels of

support and care, designed to meet differing needs and aspirations of its residents. McCarthy & Stone’s

apartments provide greater choice and independence in old age while helping those in later life avoid the

necessity of having to move into rented accommodation or residential care.

Retirement living is a proven option for older people who wish to move into accommodation that

provides comfort and security while enjoying peace of mind and receiving the care and support they

need.

This brochure provides more information about McCarthy & Stone, the types of accommodation it

provides and the services it delivers. It also outlines how the company is working with the Government

and local communities to support them in managing the challenges of an ageing population.

Introduction

Claridge House Littlehampton, Sussex

1 2

The Most Outstanding Assisted Living Provider

in the UK

Later Living Average age - 78

The most popular form of development, it offers an active, independent lifestyle in a safe and secure

environment among like-minded people. Each development has a range of communal facilities and a

House Manager.

Assisted Living Extra Care Average age - 83

Offering a more comprehensive range of services and communal facilities for residents, these

developments are overseen by a CQC-registered management team who are on duty 24 hours a

day. Domestic assistance is provided along with personal care packages which are dependent upon

residents’ requirements.

These schemes provide a person-centred approach to care and support. All support packages are

constantly monitored and updated and can be seemlessly adapted as required.

A choice of lifestylesMcCarthy & Stone’s residents enjoy their independence safe in the knowledge that support is never far

away. Residents have their own apartments, front doors and privacy just as they did in their previous

family homes. They are free to join in community activities within the scheme or to pursue their own

interests as they please.

All developments are specifically designed to provide specialist accommodation for the elderly.

Apartments are owned by people who are typically in their late 70s or older. The majority of residents

are widowed or single, with up to 75% comprising single, female households.

McCarthy & Stone’s development types are:

As well as constructing each property, since 2010 McCarthy & Stone has provided its own management,

care and support services in all new schemes. Management services and House Managers in new Later

Living developments are provided through McCarthy & Stone Management Services Ltd (MSMS), which

takes care of estate maintenance and the service requirements of the residents.

Care and support are also provided in all new Assisted Living Extra Care schemes via a partnership

between MSMS and Somerset Care, one of the largest not for profit care companies in England.

Known as YourLife Management Services (YLMS), the joint partnership is registered with the Care

Quality Commission (CQC) as a domiciliary care provider and is authorised to deliver personal care to

residents. On average, 17 fully trained and full time equivalent staff work at each Assisted Living Extra

Care development on a daily basis. They are managed by an Estate Manger who is also a registered

Manager through the CQC. Staff are carefully selected to provide a personal, friendly and helpful service.

Providing peace of mind for residents

It was a pleasure to meet the residents of Vernon Court and I am delighted that they are all enjoying life there. Moving out of the family home can be a difficult experience for older people which is why having specialist accommodation like this is so important for our community.

Andrew Stunnel, Liberal Democrat MP and Minister for Local Government, at McCarthy & Stone’s Vernon Court, Stockport

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Scheme features at a glance Later Living Assisted Living Extra Care Development Specification

Residents' Lounge 3 3Guest Suite 3 3Laundry 3 3Lift 3 3Refuse Room 3 3Storage / charging point for electric motor scooters 3 3Green Transport Plan 3 3Secure, lockable doors and windows 3 3Camera entry system linked to residents TVs 3 3House Manager/Estate Manager 3 3NHBC 10 year guarantee 3 3Staff on-site 24 hours a day 3Administrator 3Waitress service restaurant 3Lifetime Homes Standard 3 3Wheelchair accessibility to apartments and communal areas 3 3Function room 3Residents' computer facility 3Assisted Bathroom* 3Hobbies Room* 3Hairdressing Salon* 3Spa / Treatment Room* 3

CArE AnD SuPPort PACkAGESDomestic Assistance (one hour a week included in service charge) 3Personal care packages tailored to your needs provided by on site care agency 3

Note: Personal care packages are not included in the service charge.

*selected developments

Later Living Assisted Living Extra Care Apartment Specification

GEnErALSmoke detector 3 3Intruder alarm 3 3Emergency call system / pendants 3 3Secure, lockable doors and windows 3 3Switches and sockets are at a convenient height 3 3Space in hall for electric scooter* 3Energy efficient lighting 3 3Pull cords / Pendants 3 3Balconies* 3 3

kitCHEnModern fitted kitchens with tiled splashbacks and colour co-ordinated worktops 3 3Fridge and freezer 3 3Oven at a raised height that requires no bending 3 3Microwave combination oven at raised height* 3Separate hob and extractor hood 3 3Lever taps for ease of use 3 3Electrically operated kitchen window 3

BAtHrooMHelpfully positioned grab rails 3 3Lever taps for ease of use 3 3Bath with shower over or separate shower cubicle 3 Level access shower and separate bath 3Level access shower† 3 3Slip resistant flooring 3

*selected apartments †designed for easy fitting of a bath (Later Living schemes only)

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Moving in later life can be one of the hardest

things to do. To address this, McCarthy &

Stone has a package of measures to make

the experience as positive as possible. These

include:

• Support and guidance from a dedicated

team of sales consultants.

• A free Homes Sales Service, including

independent valuations, the appointment of

an Estate Agent with contributions towards

their costs as well as a free decluttering,

packing, removals and unpacking service.

• A Part Exchange service to provide a fast

and hassle-free move.

• Other moving services that offer a

guaranteed price for the buyer’s house.

• Financial assistance and advice about state

benefits and allowances to secure extra

funds.

McCarthy & Stone also provides a resales

service which specialises in the sale of

previously owned McCarthy & Stone

apartments. This service uses the company’s

extensive experience of the retirement market

to facilitate sales and provides greater peace

of mind to residents and their families.

In addition, McCarthy & Stone has launched

an Equity Release service to supplement

retirement income and to support the

purchase of better accommodation and care,

if necessary.

Moving made easyLater Living case study

Retirees Margaret and Alan Jones visited McCarthy & Stone’s new Marina Court development in

Newquay in early 2011. “Both my husband and I instantly fell in love with the development and the sea

views from our apartment. We decided to put our house on the market straight away and from that

moment on the move was both quick and stress free.”

Margaret continues: “The House Manager is wonderful, she is very caring and helpful and we’ve got all

the important amenities on our doorstep.”

Since the move, both Margaret and Alan are leading more active lifestyles: “There is a great sense of

community here at Marina Court, we feel like we’ve joined an extended family. We always have events

or coffee mornings going on and with the bus stop being outside the development, we get to travel all

over the place.”

Testimonial

Mr & Mrs Jones

The type of accommodation provided by McCarthy & Stone is fantastic. It serves a real and existing need and I would like to see more homes of this type built around the country. I would be happy to recommend it to my parents if ever the need arose.

Vernon Coaker MP, Labour MP for Gedling

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Personal

• A higher quality of life for residents: 92% of residents surveyed were very happy or contented.

• Increased independence: 83% of residents believe they maintain independence longer. Purpose-built accommodation better meets the onset and increasing problems of mobility, delaying the need for residential care.

• Greater safety, security and companionship: the immediate community and on-site staff help to reduce anxieties and maintain general health and wellbeing.

• Personal care and domestic assistance: greater support is provided in Extra Care developments to meet the needs of frailer, older people.

• Helps local people stay in the area, but in better accommodation.

Economy and the community

• Investment: each scheme totals around £5m. Around 60 local companies are connected with the construction process. Later Living schemes employ one full-time person; Assisted Living Extra Care schemes employ up to 17 people.

• Private rather than public provision: private accommodation of this type entails no cost to the public purse.

• Improved housing choice: on moving, most residents free up a substantial family home (often under-occupied), with two thirds moving from homes with three or more bedrooms. 5,000 purchases of McCarthy & Stone properties between 2007 and 2010 freed up family housing worth £1.1 billion back into local markets. This has a knock on effect that stimulates the housing chain and ultimately

benefits the first time buyer.

Health

• 64% of residents said their health and wellbeing had improved since moving.

• Streamlined health and social care provision: visiting health professionals including doctors, nurses, chiropodists can visit several residents during one visit, which is a more efficient use of public resources.

• Reduced impact on the NHS: as accommodation is designed for impaired mobility, residents find it easier to return home after staying in hospital and spend fewer nights in hospital than on average for this age group.

• Most residents move within a five mile radius of their new home so there is no additional impact upon local services.

• Specialist housing addresses the reasons why many older people are forced to move into residential care. For each year a resident postpones moving into care, the state can save

on average £28,0804.

The benefits of specialist housing for older people

3Housing markets and independence in old age: expanding the opportunities, University of Reading, May 2011. 4Fit for Living Network. Position Statement. HACT. October 2010.

Recent research by the University of Reading entitled ‘Housing markets and Independence in old age’ surveyed 5,000 residents in McCarthy & Stone

properties and highlighted the social and economic benefits of this type of accommodation3. They include:

Environment and Planning

• Maximises the use of urban, brownfield land.

• Improved energy efficiency: 51% of those surveyed said that their energy bills were noticeably reduced compared to their previous homes.

• Released properties are usually re-occupied by families who often refurbish the homes and make them more energy efficient, helping to achieve other sustainability goals.

• Better sustainability: specialist retirement housing optimises use of urban space, leads to less reliance on private vehicles and reduces CO2 emissions.

• Bringing residential use into central locations and shopping areas, helping to contribute to the vitality and viability of urban town centres and reducing traffic.

• Neighbourhood benefits: older residents tend to use local shops and facilities regularly. In the survey, 80% used local shops almost daily or often and 40% used the library or post office.

Dial Stone Court Weybridge, Surrey

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Each McCarthy & Stone development is

individually designed to meet the needs of its

residents and reflect its surroundings.

Local design styles are incorporated to give

schemes a character of their own and external

grounds are fully landscaped. Internally, every

aspect of the apartment is built around the

residents, from the layout of the rooms to the

design of the kitchen worktops and bathrooms.

McCarthy & Stone is always looking at improving

its design and apartments are constantly

evolving. New features include:

• Larger apartments

• More storage

• Walk-in showers and ensuites available

• Extra toilets in some two-bedroom apartments

• New fixtures and fittings throughout including

inlaid oak doors

• Upgraded kitchens

• Improved energy efficiency

• More parking

• Wider communal corridors

• Enhanced landscaping

In addition, many of the design features

recommended by the HAPPI Panel (Housing

our Ageing Population: Panel for Innovation) are

being trialled. This includes the introduction of

atriums, more open plan apartments and glazing

as well as larger balconies, roof terraces and

winter gardens.

McCarthy & Stone’s research centre is also

looking at incorporating the latest in health and

care technology within schemes. This includes

tele-care/health products providing real-time

health updates for residents within their own

apartments alongside real-time public transport

imformation etc.

The company is also working towards all new

schemes being zero carbon from 2016.

Leading on design

As MP for Welwyn Hatfield, I was impressed by McCarthy & Stone’s proposals for Extra Care Assisted Living apartments in the old Police Buildings in Welwyn Garden City. I thought their proposals looked impressive and in keeping with the area.

Grant Shapps MP, Conservative Minister for Housing

Amelia Court, Worthing, West Sussex 11 12

Sykes Court Lindley, West Yorkshire

McCarthy & Stone’s involvement with a scheme starts long before it opens. The company manages

every aspect of the construction process. From the moment its teams set foot on site, it works to

ensure that activities have regard to site neighbours and the general public. Staff are guided by the

company’s own Considerate Construction Policy that seeks to minimise the impact of the construction

process on the local community – hoardings are properly maintained, deliveries are at reasonable hours,

noise is controlled and free phone numbers are displayed should site neighbours have any queries.

Health and safety is paramount. McCarthy & Stone regularly tops the charts in surveys of construction

skills, and it is the only house builder to have gained the top rating every year in the Home Builders

Federation’s Customer Satisfaction Survey since it was introduced in 2005.

Each McCarthy & Stone scheme is built to a high standard and every effort is made to use

environmentally-friendly materials, keep on-site waste to a minimum and segregate waste for recycling.

Sites also have their own bespoke traffic management plan, controlling vehicles arriving at and leaving

the site.

For McCarthy & Stone, building positive relationships with communities during construction is as

important as building excellent schemes. It is a culture that runs through the company.

Considerate construction

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Later Living and Assisted Living Extra Care apartments provide a valuable form of accommodation that meets a growing housing need.

However, there is a shortage of this form of housing. The number of people aged over 65 will grow from 10 million to nearly 17 million by 20351, and the vast majority of older people are home owners.

A 2012 YouGov poll for Shelter found that a third of all older people are interested in the idea of retirement housing or would be in the future. This equates to over six million people2. Yet to date, the UK has built just 105,000 specialist retirement homes for owner occupation, significantly less than other developed countries3.

As a country, we are building far fewer of these homes now than we were in the 1980s. Many older people have no choice but to remain in accommodation that is no longer best suited to their needs and often in the wrong location.

Importantly, specialist accommodation for older people helps release family-sized housing back onto local housing markets by allowing those in later life to downsize to more suitable accommodation. It is a key part of a healthy housing chain. Its historic under-supply is therefore one of the key blocks to local housing markets which ultimately affects first time buyers.

As a result, there is a clear and growing need to build more specialist homes if the UK is to manage the impact of its ageing population.

A growing need for specialist accommodation

1All Party Parliamentary Group on Housing and Care for Older People. Living Well at Home Inquiry, P7, July 2011. 2Shelter: A Better Fit. P16 2012. 3Housing markets and independence in old age: expanding the opportunities, University of Reading, May 2011. *Note: information about year of construction is not available for approximately 5%

of schemes built for sale and 30% of schemes built for rent. The figures plotted above include adjustments to compensate for this and, therefore, are approximate only.

20,000

18,000

16,000

14,000

12,000

10,000

8,000

6,000

4,000

2,000

FOR SALEFOR RENT

Sheltered and retirement housing units built by year (uk)*

Hillside Court Plympton, Devon

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Providing retirement homes is not like providing

traditional housing. Developers must deliver a

lifestyle, not just a building, so it is critical that

schemes are suitably located and designed as

well as fully built before occupations take place.

This requires a significant financial outlay at the

commencement of a project. As a result, the

sector is a risky and challenging market in which

to succeed.

Around one third of a typical development is

“non-saleable” floor space, including lounges,

staff accommodation, guest suites, restaurants

and a laundry room. Management, care and

support services must also be provided within

the scheme, and few developers are able to

provide such facilities or operate in such a

market.

Suitable retirement sites are also hard to find as

they need to be close to town centres and local

amenities. These sites are in high demand by

a range of developers, including retailers and

food store operators, who are not subject to the

same planning obligations as retirement housing

(such as affordable housing contributions and

the Code for Sustainable Homes). Therefore

they are often able to offer higher prices to land

owners and outbid retirement home providers.

As a result, the unique nature of retirement

housing makes it difficult to bring forward plans

without the support of local residents, councils

and community forums.

Why has the UK delivered so few retirement homes to date? A number of tools are available at a local level to

assist authorities and communities in addressing

the challenges caused by an ageing population

and to help deliver a range of specialist homes

for older people.

Understanding the demographic need for this

form of housing is the starting point and needs

to be recognised at the earliest stage of the

planning process. Local authority Strategic

Housing Market Assessments (SHMAs) can

analyse the housing needs and aspirations of

older people along with tenures in both the

public and private sectors, bearing in mind

that up to 90% of older people in some areas

own their own homes. These findings can

then inform local authority housing and care

strategies for older people.

These strategies can help to influence council’s

Local Plans and provide the context against

which future planning applications for older

people’s housing can be judged. Without an

appreciation of the extent of need for specialist

housing, it will continue to be difficult to deliver

the range of accommodation required for the

UK’s ageing population.

Local neighbourhoods also have a key role.

Neighbourhood and Parish Plans will provide

local communities with strategic planning

responsibilities. It is important that these

plans recognise the need for older people’s

housing and are pro-active towards its delivery.

Importantly, Neighbourhood Forums will need

access to the evidence base collated by the

local authority’s SHMA.

Together, these actions can help to set the

framework for future delivery and provide

genuine housing choices for older people.

What can be done to increase provision?

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McCarthy & Stone is committed to engaging with local communities on its proposed planning

applications at the earliest opportunity to ensure residents and other stakeholders are part of the

development process.

Effective consultation can take many forms and much depends on the size and location of each

proposal. On most schemes, McCarthy & Stone holds a public exhibition and consults with neighbours,

community groups, service providers and others likely to have an interest in the plans.

A dedicated scheme website will be set up and a variety of feedback options will be available to ensure

there is a full understanding of local views and issues.

On submission of a planning application, McCarthy & Stone prepares a ‘Statement of Community

Involvement’ detailing the community consultation which has been undertaken and the feedback

received.

McCarthy & Stone actively consults with local residents and in line with the ‘Localism Agenda’ has

stepped up its commitment to work closely with communities. Seminars are currently being held across

the country with local authorities, third parties and local residents to raise awareness of the changing

demographics and help councils plan for the housing needs of older people.

If you would like McCarthy & Stone to speak in your area, please contact Paul Teverson at

McCarthy & Stone on 01202 508096 or email him at paul.teverson@mccarthyandstone.co.uk

Commitment to consultationFor McCarthy & Stone, Corporate and Social

Responsibility (CSR) is about addressing the

environmental, social and economic impacts of its

business in its schemes and in the way its business

is run.

Every development has high standards of insulation,

energy efficient appliances and is situated close to

local amenities and public transport links, keeping the

carbon footprint of the development and its residents

low. With the Government recently issuing guidelines

for the creation of sustainable homes, the company is

working hard to significantly reduce carbon emissions

further on every scheme.

Each year, McCarthy & Stone nominates a Charity of

the Year. In 2009/10, nearly £50,000 was raised for

Marie Curie. For 2010/11, its chosen charity was the

Royal British Legion and more than £50,000 was raised

from a number of events in offices and developments

across the country. This included the 65th anniversary

of Victory in Europe, the 90th anniversary celebrations

and the Poppy Appeal and the Festival of

Remembrance.

For 2011 to 2012, the Charity of the Year is Barnardo’s.

If you would like to find out more about how to become

involved in events to support the charity, please

contact Amanda Procter on 01202 3622236 or email

her at amanda.procter@mccarthyandstone.co.uk

In 2011, McCarthy & Stone launched the Independent

Network of McCarthy & Stone Residents (InFoRM).

The Network has been set up as part of the

‘Big Society’ debate to inform public policy on

issues affecting older people, including housing,

transportation and healthcare. It is the first UK panel

of retirement home owners and its 16 members are

taken from across the UK. Each member lives in a

McCarthy & Stone apartment.

If you would like to find out more, please

email inForM’s chairman, ken Wright at

kenwright81@btinternet.com

Corporate and social responsibility

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South WestDerek Field, South West operations DirectorMcCarthy & Stone Retirement Lifestyles LtdHomelife House, 26-32 Oxford Road, Bournemouth, Dorset BH8 8EZTel: 01202 292480 • Fax: 01202 557261

South Eastnigel Sibley, regional Managing Director McCarthy & Stone Retirement Lifestyles LtdEmerald House, 30-38 High Road, Byfleet, Surrey KT14 7QGTel: 01932 336099 • Fax: 01932 336063

Midlandsrichard Williams, regional Managing DirectorMcCarthy & Stone Retirement Lifestyles Ltd Ross House, Harry Weston Road, Binley Business Park, Coventry CV3 2TRTel: 02476 441199 • Fax: 02476 444864

ScotlandSteve Wiseman, regional Managing DirectorMcCarthy & Stone Retirement Lifestyles LtdUnit 11,000 , Academy Park, Gower Street, Glasgow G51 1PRTel: 0141 420 8300 • Fax: 0141 427 3020

NorthernSteve Secker, regional Managing DirectorMcCarthy & Stone Retirement Lifestyles LtdAspen House, Wykeham Road, Northminster Business Park, Upper Poppleton, York YO26 6QWTel: 01904 528800 • Fax: 01904 528899

Northern (Satellite Office)Steve Secker, regional Managing DirectorMcCarthy & Stone Retirement Lifestyles LtdHartington House, Hartington Road, Broadheath, Altrincham WA14 5LXTel: 0161 941 6255 • Fax: 0161 928 2803

Getting in touchMORAY

ABERDEENSHIREHIGHLAND

PERTH &KINROSS

ARGYLE& BUTE

STIRLING

LANARKSHIRE

AYRSHIRE

FALKIRK

WESTLOTHIAN

EASTLOTHIAN

SCOTTISHBORDERS

DUMFRIES & GALLOWAY NORTHUMBERLAND

TYNE &WEAR

DURHAM

CUMBRIA

LANCASHIRE

GREATERMANCHESTER

MERSEYSIDE

WESTYORKSHIRE

DERBYSHIRECHESHIRE

FLINTSHIRE

WREXHAM

POWYS

HEREFORDSHIRE

MONMOUTH-SHIRE

WORCESTERSHIREWARWICKSHIRE

NORTHAMPTONSHIRE

CAMBRIDGESHIRE

RUTLANDLEICESTERSHIRE

STAFFORDSHIRE

SHROPSHIRE

NOTTINGHAMSHIRE

LINCOLNSHIRE

NORFOLK

SUFFOLK

ESSEXHERTFORDSHIRE

NORTHGREATER LONDON

SOUTHGREATER LONDON

BUCKS.

BERKSHIRE

WILTSHIRE

DORSET

SOMERSET

DEVON

CORNWALL

HAMPSHIRE

SURREY

WEST SUSSEX

ISLE OF WIGHT

EAST SUSSEX

KENT

NORTHLINCOLNSHIRE

EAST RIDINGOF YORKSHIRE

NELINCS.

WESTMIDLANDS

GLOUCESTERSHIRE

OXFORDSHIRE

CERIDIGION

CARMARTHENSHIRE

SWANSEA

NEATHPORT

TALBOT

BRIDGEND

VALE OFGLAMORGAN

CARDIFF

RHONDDACYNON

TAFF

MERTHYRTYDFIL

BLAENAUGWENT

TORFAEN

CAERPHILLY

NEWPORT

BRISTOL

SOUTHGLOUCESTERSHIRE

NORTHSOMERSET BATH &

NE SOMERSET

PEMBROKESHIRE

DENBIG-SHIRE

CONWY

GWYNEDD

ISLE OFANGLESEY

SOUTHYORKSHIRE

ISLEOF

MAN NORTH YORKSHIRE

DUNBARTONSHIRE

GLASGOWRENFREW-SHIRE

INVERCLYDE

ISLE OF

ARRAN

CLACK-MANNAN-

SHIRE

EDINBURGH

MIDLOTHIAN

ANGUS

FIFE

ScotlandMcCarthy & Stone Retirement Lifestyles LtdUnit 11,000 , Academy Park, Gower StreetGlasgow G51 1PRTel: 0141 420 8300 • Fax: 0141 427 3020

Northern (Satellite Office)McCarthy & Stone Retirement Lifestyles LtdHartington House, Hartington RoadBroadheath, Altrincham WA14 5LXTel: 0161 941 6255 • Fax: 0161 928 2803

NorthernMcCarthy & Stone Retirement Lifestyles LtdAspen House, Wykeham Road, Northminster Bus. ParkUpper Poppleton, York YO26 6QWTel: 01904 528800 • Fax: 01904 528899

MidlandsMcCarthy & Stone Retirement Lifestyles LtdRoss House, Harry Weston Road,Binley Business Park, Coventry CV3 2TRTel: 02476 441199 • Fax: 02476 444864

South West and Head OfficeMcCarthy & Stone Retirement Lifestyles LtdHomelife House, 26-32 Oxford RoadBournemouth, Dorset BH8 8EZTel: 01202 292480 • Fax: 01202 557261

South EastMcCarthy & Stone Retirement Lifestyles LtdEmerald House, 30-38 High RoadByfleet, Surrey KT14 7QGTel: 01932 336099 • Fax: 01932 336063

Regional Offices

Satellite Office

Homelife House, Bournemouth

McCarthy & Stone operates across the country and employs approximately 1,000 people.

For details of its regional work, please contact the numbers below.

For further information about McCarthy & Stone, please contact:

Paul teverson, Head of Public Affairs

McCarthy & Stone Retirement Lifestyles Ltd, (Head Office) Homelife House, 26-32 Oxford Road, Bournemouth, Dorset BH8 8EZ Tel: 01202 508096 • Fax: +44 01202 298616 • Email: paul.teverson@mccarthyandstone.co.uk

www.mccarthyandstone.co.uk • Twitter: @mccarthystone Facebook: www.facebook.com/mccarthystone • YouTube: www.youtube.com/user/mccarthyandstone

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