12 MONTH CERTIFICATE 5. 75% INTEREST RATE 5270 A.F.Y./* 60 MONTH CERTIFICATE 6000% 6 • 1 3 0 /0 INTEREST RATE Julie Fershtman: Not horsing around. A Stable Niche A.F.Y./* Attorney Julie Fershtman's career is firmly in the saddle. These are fixed rate certificates of deposit that are insured by Federal Deposit Insurance Corporation (FDIC). A minimum opening deposit and balance of $500.00 is required to obtain the stated Annual Percentage yield. 1:1 21a9s1 -vier Bank DepeGets 41 * Federally Insured 4 , to 4100.000 CALL (810)338-7700 or (810)352-7700 4, Main Office 2600 Telegraph Rd. Bloomfield Hills, MI 48302 EQUAL HOUSING OPPORTUNITY • I/ li i c **** 4' *Annual percentage yield when compounded quarterly. Rate is accurate as of 8/30/96. Penalty for early Withdrawal from certificate accounts may be assessed. By Appointment Illoyall Your Home or Office .111 ■ •=11 =MIR IMMO ■ 111. MNIMM/11 MED O.mis 111 ■ 1 NM. 01111B =MO 411111. ■ OMNI NMINEMP aNNIM•••• TH E D ETR OI T J EW IS H N E W S Our team of experts will help you v create a custom Internet presei nce for you to attract new clients in explode your business into 1/ the 21st century! ii# #01 40 lob ■■•■ IIN■11111. • custom shirts by mdrihvn Custom Shirts & Accessories At Discounted Prices 0, 1 7i /41 4 S Men's Fashion Coordinator & Shirt Designer For 20 Years 9M-1234 Communicati61ig-Itta. gloli (840• 44337:0900 1700 N. Woodward Ave., Suite 200, Bloomfield Hills, Ml 48304 e-mail: info@glolink.com mazoa 445-6080 ARNOLD Receive Weekly Report Automotive Group Ltd. Gratiot Ave. at 12 Mile Road, Roseville, Michigan Just 25 minutes from the Birmingham/Bloomfield area off of 1 - 696" Municipal Bonds Listing 445-6000 MARA REINSTEIN SPECIAL TO THE JEWISH NEWS s a girl growing up in Oak Park, Julie Fersht- man spent a lot of time horseback riding at metro Detroit stables like the Outlands and Hill Crest. "Unfortunately, they've all turned into condominium de- velopments," she says. 'They've just become a huge liability. In- surance can be really expensive, and that's what can cause their demise." Ms. Fershtman, 35, talks from five years' experience as an equine lawyer. Since becoming a solo practitioner in 1991, she has cornered the niche by serv- ing individual horse owners, in- surance companies, trainers, instructors, stables, breeders and businesses nationwide. Most of her cases, however, stem from injuries that result from riding. Equestrian is a unique sport, she says, because it's an unspoken communication between a person and animal — something most people take for granted. "People probably trust hors- es too much," she says. "And that's why so many people get hurt; they forget that the hors- es act on instinct. Sounds that people take for granted, like a car horn, can cause a horse to lose control." Personal injury lawsuits can result from the negligence of the stable or the horse owner, but in the case of Christopher Reeve, who suffered a broken neck when he was thrown from his horse two years ago, a settle- ment or trial probably isn't in the cards. Ms. Fershtman ex- plains that Mr. Reeve was rid- ing his own horse and knew the perils of jumping when he took him out that day. A However, she notes that the fall did teach numerous lessons. 'The accident drew attention to the fact that horseback riding is a risky activity," she says. "If `Superman' can be afflicted, any- body can." Nevertheless, Ms. Fershtman has been a dedicated rider since she was 8. Her father encour- aged her to take up the hobby because she loved riding on the ponies at Belle Isle, and he thought horseback riding "would be good for me." Ms. Fershtman's love for horses abided through adult- hood. She bought a horse in 1971 and participated in horse- show competitions until gradu- ating from Oak Park High School in 1979. After she completed law school at Emory University in Atlanta in 1986, Ms. Fershtman and her attorney husband, Robert Bick, a high-school sweetheart, moved to Franklin. In her back yard was a barn complete with two quarterhors- es. Throughout her law career, Ms. Fershtman continued to compete in shows. The pinnacle of her achievements came in 1992 when she won the state championship in two events. She was also a national finalist that year. Yet she didn't merge her fa- vorite activity and her day job into her practice for five years. "I was in a big law firm for a while doing business litigation, but I really wanted to combine my interest and my practice," she explains. "Unfortunately, nobody taught me equine law in law school, so I was really on my own." It was a successful move. Ms.