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NEIGHBORHOODDEVELOPMENTCENTER 2009 ANNUAL REPORT
entrepreneurship creates jobs revitalizes communities fills empt y
storefronts cultivates builds safe leaders neighborhoods
A Year of Impact A Ye ar of ImpactBOARD OF DIRECTORS Dear
FrienDs oF nDC,Kate Barr (Board Chair)Nonprofits Assistance Fund
2009 was a year of seeking solid ground from which we could keep
building neighborhoodTim Boberg economiesboth for NDC and for the
entrepreneurs we serve. Given the severity of the economicHays
Companies downturn, all of us got better at adapting to constrained
resources. Fortunately, NDC as anWafiq Fannoun (Board Secretary)
organization, and most of the low-income entrepreneurs we work
with, know a lot about economicIslamic University of Minnesota
Mihailo Temali tough times. This experience served us all well last
year, as most of us emerged from the yearJohn Flory (Vice Board
Chair) NDC President & CEOLatino Economic Development Center
with a good sense of how to succeed in the future.Tony Genia (Past
Board Chair)Northwest Area Foundation Our future continues to be
based on two key assets: neighborhood underground entrepreneurs who
are so often hidden or underutilized in the targeted neighborhoods
andJustin HuenemannNative American Community ethnic communities we
work in, and our community partners who have the trust, credibility
andDevelopment Institute connections required to find these folks.
The resources we bring to boththrough our dedicatedRamon Leon
staff, trainers, board and fundersin a long-term comprehensive
manner, help entrepreneursLatino Economic Development Center turn
their dreams into reality and plants them in their own
communitiesoften on major, visibleLorrie Louder (Board Treasurer)
corridors like Payne Avenue, University Avenue, West Broadway and
Lake Street.Saint Paul Port AuthorityRepa Mekha Kate BarrNexus
Community Partners NDCs unique people-based/place-based strategy
continued to build neighborhood economies NDC Board Chair from
within in 2009, especially in our targeted communities of St. Pauls
East Side andNneka MorganMerrill Lynch Frogtown/Summit-University,
and Minneapolis North Side and Phillips/Central/Powderhorn Park
neighborhoods. Being able to reach into the various ethnic
communities in each ofArvid PovilaitisMeritex Enterprise, Inc.
these neighborhoods continues to be our key approach, with a major
emphasis on the AfricanWilliam Sands American, Oromo, Native
American, Hmong, Somali and Latino communities in 2009.Western
BankVivienne Williamson (Board Vice Chair) On behalf of the NDC
staff and board, and most importantly on behalf of all the
entrepreneursMighty Stitch, LLC and communities we work with, we
thank all of our supporters for their generosity. In so manyMay
Xiong ways, this is what allows NDC to seed the low-income
neighborhoods of Minneapolis and St. PaulEast Side Financial Center
andCenter for Working Families with hundreds of its own talented
entrepreneurs, changing them forever, for the better. 1
Strong ValuesSt rong Valu e sNDC VALUES MISSION NDC
STAFFAsset-Based Neighborhood Development Center is a
community-based non-profitThe talent and energy among organization
that works in the low-income communities of St. Paul, Jeff
Alexander Bonita Martin Midtown Global Training Program
Directorresidents of low income Minneapolis, surrounding suburbs,
and Greater Minnesota to help Market Directorcommunities are
critical resources emerging entrepreneurs develop successful
businesses that serve Perla Mayo Darrell Beauford Technical
Assistance Manageravailable to revitalize those their community,
and to help community groups build a stronger Real
Estatecommunities economically and neighborhood economy. Accounting
Kathy Moriarty Manager Chief Administrativesocially. Officer Daniel
Birru Accountant Samir SaikaliCollaborative Grants & Data
ManagerCommunity partnerships and Alison Collins BRC Supervisor
& Brian Singernetworks are key to gaining Assistant Property
Loan Directoraccess to and trust from local Manager Emma
Spillmanunderground entreprenuerial Becky George Office
Managertalent. Mercado Central Market Manager Ayan Suguelle
Training Program CoordinatorPatience Kimberly Hanna Market
Coordinator Mihailo Mike TemaliSuccess is a long term proposition
President & CEOthat demands patience and an Rick Hofacre
Facility Maintenance Sai Thaoopen mind. Manager Loan Officer Harvey
Hoffman Michael ThielenAdaptable Building Operations Loan Fund
AdministratorThe environment entrepreneurs Manager Romaine
Turnerwork in is complicated and Mike LaFave Senior Loan
Officerconstantly evolving and demands Deputy Director Teshite
Wakofrom those who work with them an Earlsworth Chief Financial
Officerability to adapt, and a commitment Baba Letang Midtown
Global John Wheelerto innovation. Market Manager Director of
Incubators NDC STAFF 2
Innovative Approach N D C Innovativ e A
pproachMICRO-ENTREPRENEUR SMALL BUSINESS SMALL BUSINESS CAPACITY
SMALL BUSINESSTRAINING FINANCING CONSULTING BUILDING INCUBATORSIn
addition to English- NDCs unique funding There are five satellite
NDC works with Neighborhood NDC and neighborhoodspeaking
individuals, NDC resource fills a gap in the business resource
centers Partners to enhance their organizations collaborate
toprovides specialized training Twin Cities finance market
available to entrepreneurs. capacity to create and conduct reclaim
and rehab commercialto Hmong, Latino, Somali and by providing
access to credit NDC provides on-going economic development
properties within targetedEast African entrepreneurs in for
start-up businesses (and support in marketing, initiatives within
their own inner city neighborhoods. Thetheir native languages. This
other entrepreneurs) who are merchandising, financial communities.
properties then operate as16-week course covers the unable to
access traditional record-keeping, credit repair, Incubators,
providing a networkfundamentals and techniques sources of capital.
NDC retail management, legal of support and resources forof
marketing, operations, created the nations first assistance and
more. small businesses.financial management and Reba-Free financing
programwriting a solid business plan. to meet the needs of the
large Somali immigrant community. 203 entrepreneurs trained in 27
loans totaling $344,503 More than 3,200 hours of 25 Neighborhood
Partners Our small business incubators: 2009 in 2009 small business
consulting across the Twin Cities Frogtown Entrepreneur Center to
270 entrepreneurs in Frogtown Square (opens 2011) 2009 Mercado
Central Midtown Global Market 3663 entrepreneurs trained 356 loans
totaling Approximately 28,000 Plaza Verde since 1993 $7,178,992
since 1993 hours of small business Swedish Bank Building consulting
to 1,200 entrepreneurs since 1993 3
Entrepreneur Success2 00 9 E ntrepre neur Suc ce s s Stori e s
CHERYL MIKEL OF RAINBOW CHILD DEVELOPMENT CENTER Winner of the
Senator Paul Wellstone & Sheila Wellstone Twin Cities Small
Business of the Year Award AWARD NOMINEES Rainbow Child Development
Center has been providing high quality childcare in the Midway
neighborhood of St. Paul Caf Finspang Sigbritt Johnson &
Maj-Britt Syse since 1998. The Center provides a safe, nurturing
place for children to learn, play and grow and is particularly
proud of its commitment to serve low-income residents of the
community. Central Coffee Shop Kamaludin Osman NUH JAMA OF FACE 2
FACE INTERPRETING, INC. Winner of the Business Achievement Award
Nuh Jama started Face 2 Face Interpreting, Inc. in South
Minneapolis in 2006 to provide interpretation Fiesta in America
Laura Sanchez and translation services. The business has grown
dramatically and now offers services in over 30 different
languages. Gaviota Construction TAMARA MATTISON OF GENERATION TO
GENERATION, INC. Harold & Madel Carmen Fajardo Winner of the
Thomas McBurney Community Impact Award Owner Tamara Mattison
created Generation to Generation, Inc. to provide consulting,
training and development services for Get Gorgeous Styling Salon
young women. In partnership with Eagles Wings, she created Talitha
Cumior Daughter Arise!a 12 week training that focuses Ilka Bird on
developing healthy relationships, healthy boundaries, self esteem,
self awareness, self confidence and self worth. Grass Roots Gourmet
Victoria Potts NAT COLLEY OF VET YOUR LAWYER Winner of the Business
Creativity Award Metropolitan Transportation Network, Inc. Vet Your
Lawyers unique service empowers the ordinary person with objective,
independent knowledge Gebi Koji & Tashitaa Tufaa about the
lawyer s/he is about to hire for their case in order to find the
right lawyer the first time and save money, time and aggravation.
Nuestro Mundo Bi-lingual Daycare Lucianna Carballo-Pierre MAKRAM
& SHARIN EL-AMIN OF EL-AMINS FISH HOUSE Winner of the Longevity
and Sustained Impact Award Organize Life El-Amins Fish House is a
family-owned take-out restaurant that specializes in freshly
prepared fried catfish, whiting and Linda LaBarre & Ashlee Olds
walleye that are prepared with healthy, cholesterol-free cooking
oil. Owners Makram and Sharon El-Amin have been serving high
quality, fresh fish in the Twin Cities for more than 20 years and
at their location on West Broadway in North Minneapolis since 2001.
Rituals Antoinette Williams JAMAL HASHI OF SAFARI EXPRESS
RESTAURANT Sister Chris Fruit Flavored Products, LLC Winner of the
Business Turn Around Award Vicie Williams Safari Express, located
at the Midtown Global Market, offers an innovative menu with its
own signature style. Brothers Jamal and Sade Hashi sell many
classic East African dishes that are a smash hit, including their
delectable sambusas, homemade chapati bread wraps, and rich meat
and vegetable The Clearance Rack Neeson & Haiyen Vang stews.
4
Entrepreneur Training E n treprene ur Traini n gTRAINING
PARTNERS Neighborhood Development Center works closely with
community-basedAurora Saint Anthony Neighborhood partner
organizations to sponsor 16-week entrepreneur training classes
Development Corporation in 20 neighborhoods and ethnic communities
throughout MinneapolisAfrican Development CenterAmerican Indian
Economic Development Fund and St. Paul. The class consists of eight
classroom sessions and up toChicanos Latinos Unidos en Servicio 12
one-on-one consultations with a business trainer. Classes are
offeredDaytons Bluff Community CouncilEmerge Community Development
twice a year (spring and fall cycles) and are currently offered in
fiveEmployment Action CenterFriendship Community Services, Inc.
different languages (English, Hmong, Oromo, Somali and
Spanish).Hmong American PartnershipHmong Chamber of CommerceHope
Community, Inc. Classes are conducted in small group settings and
are hosted by NDCsLatino Economic Development CenterLutheran Social
Services community-based partnersemphasizing the connections
between theMIGIZI Communications development of individuals and the
development of the community.Native American Community Development
Institute EMERGE GRADUATIONNorthside Economic Opportunities
NetworkNortheast Community Development Corporation NDCs
Entrepreneur Training Program is specifically targeted to
low-Northside Residents Redevelopment Council income residents who
do not have access to traditional sources ofOromo Community of
MinnesotaPowderhorn Phillips Cultural Wellness Center capital and
who want to learn the skills to successfully start and
operateRiverview Economic Development AssociationSelby Area
Community Development Corporation a business. NDC provides
scholarships to the majority of programSeward Redesign, Inc.
participants.Sparc NDC classes are taught by professional training
consultants who utilizeTRAINERS an NDC-developed curriculum and
focus on teaching participants theShahir Ahmed Lindsay NauenJeff
Alexander Phillip Porter fundamentals of operating a small business
and creating a viableEduardo Barrera Bob ReedTherese Baumann Mark
Robinson business plan. NDC offers workshops on a variety of
business relatedDave Bonko Edgardo RodriquezBarry Bonoff Linda Sapp
topics.Kari Emory Joanne Simons YOUNG DADS GRADUATIONTony Genia
Brian SingerLu HangWendy Hines Sai Thao Romaine Turner NDCs
ultimate goal is to develop the talent that exists within
innerTarabi Jama Kin Kia Vang city communities and help emerging
entrepreneurs create vibrant NDC TRAINING IMPACTS:Michelle Jansen
Teshite WakoGrover Jones Dale White businesses thatby creating
employment opportunities, providing During 2009, 203
entrepreneursTara McCarthy Ronald WilliamsJuliet Mitchell Candy
York needed goods and services, offering role models, and
establishing were trained through NDCs vibrant community gather
placescontribute to the revitalization of Entrepreneur Training
Program. those communities. 5
Small Business LendingSm a ll Busine ss L e ndi n g LENDING
PARTNERS Neighborhood Development Center fills a gap in the Twin
Cities finance market by providing African Development Center
American Indian Economic Development Fund access to credit for
start-up and existing businesses that are unable to access
traditional Latino Economic Development Center Metropolitan
Consortium of Community Developers sources of capital. NDC provides
financing of up to $50,000 with an average loan size of
WomenVenture $12,000. NDCs flexible individualized approach to
lending involves working closely with entrepreneurs to understand
their business needs, their long-term plans to grow and improve
their business, and the risks associated with their request and
strategies to mitigate those risks. NDC often partners with private
banks and other community lenders to help make loans more viable.
NDC is also open to evaluating requests which do not qualify for
financing from other lenders. NDC also offers Reba-Free (asset
based) financing to meet the needs of the Twin Cities growing
Muslim community. NDC has received several awards for creating the
first such financing program in the nation. Since 1993, NDC has
financed more than 350 companies with more than $7.1 million.
According to a 2008 study by Wilder Research on the impact of NDCs
programs, of the businesses helped by NDC, 21% had increased their
number of employees and 56% had increased their gross monthly
revenues. NDC LENDING IMPACTS: During 2009, NDC financed 27 loans
totaling $344,503. NDC FLYER OFFERING LOANS TO SMALL BUSINESSES
6
Small Business Consulting Sm a ll Busine ss C onsulti n gSMALL
BUSINESS CONSULTING BUSINESS RESOURCE CENTERS (BRCs) 3. Computer
Skills AssistanceNeighborhood Development Center understands that
NDC launched its Business Resource Center initiative as a By
appointment (occasionally walk-ins can be accommodated),the most
important component of an entrepreneurs means of addressing the
digital divide amongst business individualized small business
assistance is available on aeducation begins after they are open
for business. NDC ownersa term which describes the gap in knowledge
and variety of topics:provides graduates of its programs with
on-going support experience with computers and technology. Basic
computer and Internet skillsin the form of one-on-one business
consulting to help Web-based research (Industry analysis, target
markets, etc) Centers are operated by the BRC Supervisor and
staffed Preparing business plans with Business Plan Proguide them
through operational difficulties and develop by qualified college
interns from a wide spectrum of study Microsoft Office Suite (Word,
Excel, PowerPoint, Publisher)plans to strengthen and improve their
businesses. areas including urban development, marketing, business
Low- and No-Cost Marketing (Includes creation of businessWe do this
by providing access to professionals with development, graphic
design, and more. BRCs provide cards, flyers, web-based marketing,
online directories,expertise in a variety of key business areas,
including: entrepreneurs with the opportunity to receive one-on-one
website building, etc.) Business Management training to build their
computer skills. Recordkeeping and Accounting The goal of the
Business Resource Centers is empowerment. Marketing NDC believes
digital inclusion for low-income entrepreneurs Merchandising will
allow them to develop their business in the most efficient Food
Business Management and cost-effective way possible. Credit
Counseling Pro-bono Legal Assistance BRC SERVICES Language-Cultural
Issues 1. Self Directed Use Referrals Entrepreneurs may use BRC
computers to access the Internet or do business-related work on
their own. A printer and copierThe goal of NDCs business consulting
program is to is available for a fee.ensure that emerging
entrepreneurs receive the support 2. Small Business
Consultationthey need to grow, develop and continue to be assets to
BRC facilities are also used as work-stations for
entrepreneurstheir communities. to meet for more advanced
assistance from NDC consultants. BRC INTERN ASSISTS CLIENT HAROLD
FAJARDO NDC CONSULTING IMPACTS: OF GAVIOTA CONSTRUCTION In 2009,
NDC provided more than 3,200 hours of small business consulting to
270 entrepreneurs. BUSINESS Cooperative Mercado Central Eastside
Financial Center Midtown Global Market Northside Economic
Opportunity Rondo Community 1515 East Lake Street #208 Swedish Bank
Building 920 East Lake Street (lower level) Network (NEON) Outreach
Library RESOURCE Minneapolis, MN 55407 965 Payne Avenue
Minneapolis, MN 55407 1505 West Broadway Avenue 461 North Dale
Street CENTERS: 7 St. Paul, MN 55130 Minneapolis, MN 55411 St.
Paul, MN 55103
Small Business Incubators Sm a ll Busine ss Incubator sREAL
ESTATE NDCs small business incubator Since 1993, NDC has
redeveloped 5PARTNERS program creates dynamic places for commercial
properties (listed below).Aurora Saint Anthony Neighborhood small
businesses to grow and develop, Cumulatively these properties
representDevelopment CorporationUniversity/Dale while creating
vibrant active places that over 120,000 sq. ft. of commercialModel
Cities of Saint Paul contribute to economic development and space
and are home to over 110 smallUniversity/Dale revitalization of
urban neighborhoods. businesses.Greater Frogtown
CommunityDevelopment CorporationUniversity/Dale Working closely
with community-based In partnership with 3 community-basedEpiscopal
HomesUniversity/Dale partners, NDC redevelops key commercial
non-profits, NDC is also developingEast Side Neighborhood locations
within targeted neighborhoods, 11,000 square feet of new
commercialDevelopment Company providing venues within which space
in Frogtown Center at the north-Old Swedish Bank MIDTOWN GLOBAL
MARKET entrepreneurs can become profitable. east corner of
University Avenue and Dale AT EAST LAKE STREET & 10TH AVENUE
S.Cooperativa Mercado CentralMercado Central These highly-visible
renovated buildings Street in St. Paul.Project for Pride in Living
also serve as gathering places andMercado Central inspire hope and
confidence within theWhittier CommunityDevelopment Corporation
surrounding community. NDC promotesMercado Central the success of
entrepreneurs withinIn the Heart of the Beast Theatre these
incubators by providing tenantsPlaza VerdePowderhorn Phillips with
a stable, affordable environment toCultural Wellness Center do
business and by making its lendingMidtown Global Market and
business consulting service availableAfrican Development
CenterMidtown Global Market to all tenants. OLD SWEDISH BANK
BUILDING PLAZA VERDE AT PAYNE AVENUE & CASE AVENUE NEAR EAST
LAKE STREET & BLOOMINGTON AVENUE Frogtown Entrepreneur Center
Old Swedish Bank Building Mercado Central Plaza Verde Midtown
Global MarketINCUBATORS: 625 University and 501 North Dale 965
Payne Avenue 1515 East Lake Street 1516 East Lake Street 920 East
Lake Street St. Paul, MN 55104 St. Paul, MN 55130 Minneapolis, MN
55407 Minneapolis, MN 55407 Minneapolis, MN 55407 8
University Avenue Un i v ersi t y Aven ue Busi nes s P repa
ration C oll ab orati v e ( u7 ) PARTNER PROJECT SERVICES
ORGANIZATIONS 1. Results-Driven Marketing 5. Small Business
Workshops The following organizations--in partnership with Free
one-on-one business marketing Many business topics available for
free the neighborhoods and business owners along the
corridor--comprise the University Avenue and communications
consulting. at Rondo Community Library, including Business
Preparation Collaborative (U7): 2. On-Site Business Consulting but
not limited to: African Economic Development Solutions Professional
specialists in all business Marketing (accounting, marketing, (AED
Solutions) Aurora/St. Anthony Neighborhood areas, with a focus on
financial health branding, online advertising) Development Center
(ASANDC) consultations. Website development Greater Frogtown
Community Development Corporation (GFCDC) 3. Business Resource
Center and Demographic analysis Hmong Chamber of Commerce Business
Planning Center Recordkeeping Metropolitan Consortium of Community
Developers (MCCD) Computer access, free consulting Website
development Neighborhood Development Center (NDC) Selby Avenue
Community Development services and information on all Cash flow
projection Corporation (SACDC)In January 2009, a group of eight
community business-related issues at the Rondo A new workshop
titled Survive Sparcbased nonprofits formed the University Avenue
Community Library and the SBC LRT - A Ten Step GuideBusiness
Preparation Collaborativewhich Business Planning Center (near Hwy.
6. Financing STAFFhas since come to be known as U7to help 280).
Working capital (5.5%) interest rate, Mike Temaliexisting small
businesses on University Avenue 4. Grants business expansion and
real estate NDC President & CEOin St. Paul prepare to survive
the construction Marketing and faade improvement financing. Isabel
Chanslorof the Central Corridor Light Rail Line and thrive grants.
U7 Project Managerafter its completion. Miguel Jongewaard NDC Loan
Officer/Business Advisor and U7 Small Business ConsultantNDC is the
host organization for thiscollaborative effort that is focused on
Steve Olson NDC/U7 Lead Graphic Designerstrengthening management
and marketing Marilyn Portercapacity. Small Business Consultant,
LEFT TO RIGHT: employed with ASANDC MARILYN PORTER, MIGUEL
JONGEWAARD, Sia Lo Small Business Consultant, ISABEL CHANSLOR,
employed with GFCDC SIA LO & STEVE OLSON 9
Financial Statement Fi nancial State me nt CONSOLIDATED
STATEMENT OF FINANCIAL POSITION (DECEMBER 31, 2009) FINANCIAL
SUPPORTERS Key Government Partners Assets Liabilities and Net
Assets City of Minneapolis Cash and cash equivalents $1,767,220
Liabilities City of Saint Paul Community Development Financial
Institution Board Contributions and other receivables $929,963
Payables and other accruals $894,416 Hennepin County Library Loan
receivables, net of allowance for loan losses $3,432,547 Notes
payable $17,034,382 Minneapolis Empowerment Zone Rental properties
and equipment, net $13,819,583 Total Liabilities $17,928,789 Rondo
Community Outreach Library Other assets $409,331 U.S. Small
Business Administration Office of Community Services Net Assets
Saint Paul Port Authority Unrestricted net assets $1,462,346 State
of Minnesota Temporarily restricted net assets $967,500 Total Net
Assets Corporate and Foundation $2,429,846 Allina Health System
Campbell Foundation Total Assets $20,358,644 Total Liabilities and
Net Assets $20,358,644 Deluxe Corporation Foundation F.R. Bigelow
Foundation General Mills Foundation CONSOLIDATED STATEMENT OF
ACTIVITIES (DECEMBER 31, 2009) H.E. & Helen Warren Foundation
Heron Foundation 1% Marbrook Foundation Marquette Financial
Companies Minneapolis Foundation 45% 14% Nexus Community Partners
Piper Jaffray & Co. RBC Dain Rauscher Foundation Securian
Foundation 34% The Fredrikson & Byron Foundation 7% The Jay
& Rose Phillips Family Foundation The McKnight Foundation The
Saint Paul Foundation Travelers Foundation US Bancorp Foundation
10% Valspar Foundation Wells Fargo Foundation Minnesota 20% Western
Bank 19% Individuals 8% Alicia Cordes Kathy Moriarty Tim Boberg
Erik Takeshita Leila Poullada Elizabeth George 16% 26% Greg &
Janice Dames Earlsworth Letang Pamel Wandzel Anthony Genia James
LaFave Paul Ginger Paul Engh JoAnna Hicks Revenues & Support
Expenses Anthony Leonel Lemaire Edward Padilla Steve Erdall Susan
Roe Grants and Contributions $2,203,329 Incubator Program
$1,514,457 Management & General $320,616 Michael Christenson
Brian Singer Julie Sands Causey Mihailo Temali Incubator Rent
$940,462 Incubator Operations $1,184,283 Lending $641,754 A.
William Sands Daniel Flicek Earned Income $801,253 Jeff Alexander
Missy Thompson Microentrepreneur Training $371,133 Fundraising
$38,658 Marcus Weiss Avan Suguelle Government Grants $1,004,047
Technical Assistance $428,485 Luke Weisberg Kate Barr Samir Saikali
Mike LaFaveNotes: (1) The financial statements recognize revenue
for pledged contributions as per statement of FAS #116. There were
multi-year grants that were recognized in prior years. We continued
to fulfill program Bonita Martin Arvid Povilaitis Cristina
Edelstein Emily Maltzcommitments with restricted funds received in
previous years. (2) The financial statements are the consolidation
of subsidiaries including Frogtown Entrepreneur Center, LLC;
Mercado Vista, LLC (Plaza Verde);NDC REDI, LLC; NDC REDI II, LLC
and NCS, LLC (Midtown Global Market). (3) Incubator operation
subsidy and NDC overhead contributed. Ben Goldfarb 10
663 University Avenue, Suite 200Saint Paul, MN 55104Phone:
651-291-2480Fax: 651-291-2597www.ndc-mn.org Building
NeighborhooodBu ildi ng Ne igh b orh o od EconomiesFrom Within E c
onomie s From Wi th i n Coordination by: Design by: Kathy Moriarty
[email protected] Rachel A. Carlson Maren Misner
[email protected][email protected]