Joel Zao is the pen name of Joel Butler, who resides in Destin, Florida with his wife of 52 years, Bette Butler. The couple met in college in Tallahassee, Florida, became engaged and married before graduation. Bette was born in Birmingham, Alabama, Joel in San Bernardino, California, but they both claim Florida as their home as they have lived there together since their college days. They have two grown children, and three grandchildren. Upon graduation during the Vietnam era, Joel entered the Air Force as a pilot. After five years of service, Joel separated from the Air Force to enter the business world in Ft. Walton Beach, Florida. With a degree in business management, Joel eventually opened his own business, along with Bette as his business partner, to serve the real estate profession as a title insurance agent. It was during the career as a Florida title insurance agent that Joel applied his business training to learn the specialty aspects of real estate ownership. In so far as the ownership of real property is based upon the accurate legality of the documents created to pass title in an insurable manner, Joel focused on the various estates of ownership, and how those estates related to each other. This unique knowledge supplied Joel with insights to scriptural truths that are reflected through the mirror of God’s revelation Christ Jesus, the heir of all things.