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FY 15 Budget Presentation_Housing and Community Development/CDBG Public Hearing
THE HOUSING AND COMMUNITY DEVELOPMENT DEPARTMENT ILIIN!or fit i ' 1.1 Ir . •1 . t r.i T- 1-, f- .. ... . _ . [ lit ! , . - .,:tpli' -,:--- •:-./1 -- ... . *,-, ,,,, _ • ,. - -_-: ..__--- • . . . • -- ......,,-,:i.,,, II r - . .." --,.. ,,,,...*Fp• &k'-•;.'.. II • . - JJJI IL.. .. :2- . • • .. 11 „. -* ,!?4% ::. . 1 1 . .....MB ......r i I ii I I 1 i ig• ,e et,4 i ..t--, • t' --.ai"e„. '', • ''.:.• I /'is"-:.,-. ,.ty 74- 11 i\ I I r. t.VE-4T1'; .:. .r. . •4.5 ' i . U II' I • '.___17-.4. A'''4''" '• r- , I , f (1-* . 1 ,ttir ?, . • . . . t'I 4,-,.. '•.•7''• -• _ .....1.4% - -- • *..f.- -"----. •' P.; 1.1__. . . t‘trA-"?''`.:) .4- A"' t 1 ' i - -- ';0 1 1 — ' .• • 7f :::., p.,..,4.,.. ., ;':.- . - , • ., _ _. _ _ .- - 4t..7:+', *".."',f.:7:-41 .4..„.7.---. . ...7,..,-..47 t, ......4_, ----_,..jakor• . :•• - 0 ' • - Armamoommimindemiti-4, :-..i.,.,--.., ,,, ,,,,,,:• .„.. • -4 . 4. .: .4a..' ...-1V-• .:...4.- ...,, 7.••••Ig. -‘11 ..."- ... . . • 'al- ifiV -.-4: --sms,"11e .„.. • _ „.e,i. s . .. . •.. ,. ,• .,,-,r... - „- .- .e., ,...., , •........ -... '. 1. .... .. . . a., . ,.,,,L, — 0 ,,. ...,*;.,., , ...,.. "' ". . •< , •••:;--.15" •• it '': --. .i. - -- .. - • .^-- . „"... . 1:,x,... ' . f '-''- " ' ' WO. --.-;•"*"..S...7: ...... ."... '--:'.ciiik•-,:-.J ,f P6- I' .:!:.": ...71`,:-.`! ',--,-••••,k -....-..,..4.1,` _ •••••• .......• emplo. ------ ., . .. ke-...,..... - - '•••e•e:. ' ...1",---4..,•{: .• ..4, . ::•:40• ." 40 IN" '...5111,,.-• -,...-- 4- " . 4. .-444# ' ' ••..''. 'a?'4 1•41.- --41111r."•••1.- •-•... .- AI A 1 f --• ... NEIGHBORHOOD SUSTAINABLE DUBUQUE ASSOCIATIONS . . . . viable lirab!e r uilable Bluff Street Broadway Extended Downtown Neighborhood Council Fenelon- Hill Neighborhood Grandview Neighborhood Hilltop/Ivy League Historic Bluffs Neighborhood III Langworthy District g Y It North End Neighborhood _ Point Neighborhood South Grandview/Bradley 14 Valle View Neighborhood Y g Washington Neighbors BOARDS AND COMMISSIONS H OUSING COMMISSION COMMUNITY DEVELOPMENT ADVISORY COMMISSION H OUSING TRUST FUND COMMITTEE H OUSING CODE APPEALS BOARD RESIDENT ADVISORY BOARD G UIDING COALITION PARTNERSHIPS PREMIER BAN_ SUSTAINABLE .. --e 0DUBUQUE (*Action 1)`. D1�QI T viable • livable •equitable ©�t,^�.,f•,oxyu AND nun I Unit oint Health \4�'om""°° Mban IST I V E RS ITY of Finley Hospital UQ TBA /7"—\\DUBUQUE , 1 may, . fr ( COMMUNITY FOUNDATION , , .�N du/Du ..e :•nrks /\a "aDubuque £Qnalt a NeighborWorks. �.k,o«e;n;, r1 Mercy - - COMMUNITY SCHOOLS , - - . CHA: . . „ „ : . — - socuUion ClariceUNIVERSIT:f dial ��A DUBUQUE *_,IL,,i3uV9S (-4A BoAp, _, ____- A4 ,1 a j� O OFp� ,, ATI 4,t 1, bO V SLI(�� PROJ PROJECT • HOP . ' _ tigR�Ry 4 Green&Healthy Homes initiative -1" 1 i IDPH';;IOwa'Department_o '_u' ic=Hea t -'—` COMMUNITY ,-- _ _ n rotec-trn§=t"e,-"1-1•-- eaa t Iowans= iriQoLUri r resoent ammun' . sri d HEALTH(1N1 - INITIATIVES ,.%••l,_ Ne1ghborhoT.oN ..ems - ---7 .,,224 -� ..F�a..I Prof j 1 (`e\t�t/ LORAS COLLEGE _ - --- Attaco Circles0 lk ',..-- --- — ahae , .,1,., . ,.... °''04.6,4,40,4,,,,e.�. VISITING NURSE ASSOCIATION NORTHEASTIUi3 i Inc.* _'�! COMMUNITYC'OLL.E&A student driven...communiry focused ARuby Payne Company A •• Olin Triaages Health • •In NEIGHBORHOOD REVITA.,. e P I OME WNERSHIP ADEr. ' = _- , ASY IF 4 ' . Money $aving Tips for your home- Nap. '" whether ou rent or own! Since 201o, 132 participants have received 51 First Time Certificates of Completion — Sessions Homebuyers consisted of 4 nightly classes re: City completed workshop Programs; The Keys toYour Home (Spending Plans and Credit); Basic Banking Tips and Energy Efficiency Have presented to over 150 people in various outreach efforts to promote homeownership. 53 new homeowners in the Washington Neighborhood FY13 Outreach Efforts: 11 Presentations 29 Properties converted from rentals FY14 Projected Efforts: 19 Presentations or were vacant buildings to single (including all Neighborhood Associations) family homes HEART PROGRAM PARTNERSHIP SUSTAINABLE , DUBUQUE v,ablr ••li.bir•r 0101,le .,1 '''!"'r I,: . .....- , , , , , .‘._ li ,,:,,:alii or, _ ., -T.* '. k 7,,,,:. Li.... itik,, \ „..-....._,,,,,, k ,.. . ,:t ,,... 2 �� P ,*;101/4.s ., ,. , , 4 — • i'.'1 4.•‘ 'I:4'. ' I' Ari,„,,, i, . ,,J ,• , . . . ., , ......., . ..... ;„.,.. _.,... .,.. „ ,, , .. .. ..„ .r...... , . .„ . .._ ...-,,,,, ,. _ ..„ . ; .„ . ,..,..:, ,. , ,.. 7.J. ,,. , _.4.---, , ._.,. .,.._ ... „It / I . . . --.. .4., .--.,.:\ -- ;11 , ., . „_ .:. . i. The HEART Program has partnered ,, . r �' i ' � 4 . ` .` with the City/DB&T and CHI on .�� _ I approximately 26 properties and V -' rill I . :. .s �,,yyy - foreseeing many more �i CHI PARTNERSHIP SUSTAANABIiiii E DUBUQUE viable • livable • e unable Funding Leverage — 1! CHI = X800,000 CITY = $500,000 — = I k i4 _ . f D B&T = $500,000 _, in TOTAL $1.8M •„ ,006°.°../°..-2.--N\NN., 1r4146'. , .li-”, ",14t, I ii , in.„, _ _ „,,__,. L -, A .____ .:._. , . ,,,.a t _ =H, 1 111 t _ 1111 c . ! WASHINGTON STREET REDEVELOPMENT BEE BRANCH : RESTORATION OF 0 CITY-ACQUIRED PROPERTIES SUSTAINABLE __i 0,1_4- _ ‘...=.--_ - --.;--' I/ ---- . _ 11 _ ,. . N i r.r. • __-- • 1 y _ ,, , ..„ 41pr 111 : . / I : . _ III , ., ,„ ii . , i_ _ _L------------: ...... .::',. ., ..),. LL / ii , .!.! .4.. — I .i, 1 1 P ;iril ■ 11 " ,;..e- - • , _ ft'-4';'11110111r IIIII° 111 , I, H r•! Rehabilitation of 8 Homes in the Bee Branch Avg. Assessed Value Before Rehab: $69,700 —_— ..........„...000"V Avg. Assessed Value After Rehab: $99,000 .,...--P- 7 7 _ .. i _.JJ.II Ilk. Avg . Sale Price of Homes: $ioi,000 . 161 .: –1 : T_1 —mom. .•t'- 6 SOLD - HOMEOWNERS -- NEIGHBORHOOD STABILIZATION PROGRAM GRANT (NSP) : $444, 000 : 9 PROPERTIES RESTORATION OFVACANTAND F PROPERTIES - SOLD TO NEW HOMEBUYERS SUSTAINABLE DUBUQU an\ El , i F/c firntl� :fnhlr „. , • .,,,„...... .., . e -,,,- ,,,, ,,,,, :f .,-----''''' 0 - Iiir II 11 11 ii,, ,i4;„. ;4., , 1�. 1 i 4• 1k 41 r jf= Ii 1 1 I Habitat Home 11- '� , 0 ' i ',filth inm _ kii,%,,,,,,,,",, ,,,, ,,,,,, .,, , ",4,... ,. ......„ r ------, _ =--- , / ilK--;,_ --------,-,• ..-- _ . .. - , - - , ki, e 0 -, , , 4 v --------:„ --:„. _.:„.. ...----- ,_...... _ , , . ___ , ,, - 1 i . ,,,,, _ , f 11111 .,0. _, i , . 1. a .III IIII .. - 1S ., , 1�11� Thm \ r ,,,,,i,,,,\,, itfa., . i, ,. . V �,III f iff a. 1.1 t 1- 4 1 i. , _( - 4 - r For Sale NEIGHBORHOOD STABILIZATION PROGRAM GRANT ( NSP) CONT. . . NSP INITIAL FUNDS OF $ 444, 000 HAS LEVERAGED OVER $357, 000 IN PROGRAM INCOME TO REUSE FOR MORE ELIGIBLE PROJECTS . THIS WILL CONTINUE TO GROW AS MORE PROPERTIES ARE BOUGHT AND RESOLD . PARTNERSHIP WITH DB &T 0 COMMUNITY CORP. SUSTAINABLE DUBUQUE ;•iublc livable c unable HISTORIC ROW HOUSES One unit remains with Sale Pending Rehabilitation of 6 Properties Avg. Purchase Price prior to Rehab: $31,333 Avg. Assessed Value After Rehab: $86,717 r ; 1. .a= ` . lAi nti 6.____ ': 6 ' it I - ' i aut... is i t1iLJ t ___ I4, L -: , i it --- X 1 '1: - '*‘It..,01,„,,„ r -41-------T,T111110r.;!„L, Avg. Sale Price of Homes: $86,667 HOMEOWNER REHABILITATION IN THE WASHINGTON NEIGHBORHOOD C -j'iss SUSTAINABLE DUBUQU viable•livable•e-uifable iiiiiiw ul . . . _____ 4,Q.•. =! .:I It' - T _ 1 _ ' __ 4, j -- - ..... M 2 - --I -11 - . ' li mil Nimisie r i lr� _ ., ,1 II MU l r • - - , , ri - tv. T. 11111 I IIIII1IIIIIi_ h., i a1 -- Before After Assessed Value Before Rehab: $61,490/After Rehab: $90,970 IOWA FINANCE AUTHORITY AWARD DUBUQUE HOUSING TRUST FUND Iowa Fi.mav,,ce AuthorItJanuary 15, 2014 state f-Fovsiv.g Trust Fit KA 2015 %ra IAA Ave tA,ue Des Mo%wes, Iowa 50312 Paytotheorderof City of Dubuque, Iowa $ 190,865 .00 UKC q cord ed ! "^ 3 7‘004,44ce Ei9ZZt !7 corGw1LP.d Sixty-91.w a td 001100 - - -- - - -Dollars Liberty w Bank 275674248: 000581324235"5502 . -4,"-- gevelew ■ Homeowner Purchase Loans Homeowner Rehabilitation Loans $5,0o0; 5 year forgivable $5,000; 5 year forgivable slo,000; Due on Sale of Property $10,000; Due on Sale of Property $10,000; 00/0 20 year term $42/month WASHINGTON INITIATIVE FINANCIAL IMPACT 2005 - 2013 111 Private Investment City Investment gii�i3i�7gy Other Govt i;,yoo,000 Investment Total Investment in Washington s10,585,1:3 Neighborhood : $36, 216, 907 SAFETY ! HEALTH INSPECTIONS F I . :.L.,40._ ' ` Inspectors utilize in-field technology, efficient scheduling, and licensing requirements to increase number of ,, i inspection . - 411C - 2709 Rental inspections 328 Complaint Inspections 475 Exterior Environmental Att 144%* 1279 Re-inspections, LEAD POISONING REDUCTION IN Lead Paint Hazar? CHILDREN UNDER AGE 6 ,ntirl Control Program Targeted Area 1997 - 2002 2007 2010 • City Wide 10.8% 6.6% 2.8% t� • CDBG Target Area 12.8% 8.6% 4.5% This Compares to the National Average of 1.6% of Children 1 -6 years of Age Lead Poisoning Decrease Through Remediation, Education, and Awareness 3 Year Grant Ending Projected Efforts June 3o, 2o14 FY15: • $3.3. Million • ,o units completed • 3.8s Units Completed • 6o Lead Inspections • 241. Lead Inspections • 20 Workers/Inspectors Trained HEALTHY HOMES PRODUCTION PROGRAM FY 15 3Year Grant Ending Projected Efforts FYiS: June 30, 2o14 • 25 Units Completed • si Million • Foster medical community • 109 Units Completed connections • 132 Healthy Homes • Sustainability of program Assessments resources •os`" , � ' 'a �� Projected FY i5 Outcomes: • � � • Decrease burden on health care --_ ;� � system • Reduction in school & " ,` work place absenteeism � • Sustainable healthy & safe ,440, neighborhoods GREEN & HEALTHY HOMES ...WF INITIATIVE Healthy Homes Initiative Advocate's Role: ❑Central point of contact (for clients & partnering programs) 1!11- ❑Advocacy 11101 ❑Link to community resources - ❑ behavior/lifestyle changes lFacilitates behavior life chan es I ' ❑Local GHHI member connecting and reporting to National GHHI organization GHHI brings together funding sources, erases bureaucratic boundaries and addresses all of the problems of a family home at one time . By aligning and M, 'f coordinating various resources, we use a �` _ single intervention to fix the problems of ` i each housingunit while ensuringthe work oMMUNITYFOuNDATIo 11f j is safe for both residents and workers o Greater Dubu-rte i.' t 7 - - SUS AINABLE LIVING PAYMENTS FOR RENT AND UTILITIES FOR ASSISTED HOUSING UNITS / 1 ,-. TAPARTMENTS FDAlENTil FY2013 �, • ` ' $ 3, 679, 653 HUD !�r� ' , .411k: $ 1, 590, 936 i HOUSING CHOICE VOUCHER PROGRAM • Households on Voucher Waiting List: 955 • Households receiving Housing Assistance: 783 • Average Household Size : 2 .02 members • Average Gross Income : $10, 969 • 53% Have a Disabled Family Member • 45% Head of Household is Disabled • 20% Elderly- Average age is 72 • HUD reduced administration fees earned from i00% to 69% • FY2o15 Budget Recommendation is based on an average of 800 voucher units per month VOUCHER HOMEOWNERSHIP - -ri ^ � iiiii---:-.7-7- - 11,1_! '� I _ In 2002 the City of Dubuque m �l began it's Voucher Homeownership Program ... ,!II 771 ri j� zi Families have jj�� ' I purchasedhomes r— • III PROJECT- SHELTER MODERATE BASED S PLUS CARE REHABILITATION VOUCHER OUB PROGRAM PROGRAM PROGRAM 17 Assisted Project Concern Two owners desi Hated as the currentlyhave Living Units g at Rose of Sponsor and 14 total units at their properties Dubuque provides case located at management 3390 Lake Grant Term : July Ridge Drive 2013 through June r! Li - ' in Dubuque 2014 -' i Budgeted $95,568 r for rental assistance t' Y Currently assisting 1144°42''_4' If; -i 24 households I FAMILY SELF - SUFFICIENCY Jos 4 ;tk, FSS Program is a HUD Program that encourages strategies to help voucher families obtain - employment that lead to economic independence and self-sufficiency. Funding position fully funded by (amount)HUD Grant 2 positions General Funds until December 31, 2014 Apply to HUD to fund 3 positions starting Jan 2015 1S3 Families participated in FYE 2013 4 Families Completed their Contracts Completion of Contract requires being free of all cash welfare payments fora minimum of one year : , The average Federal Escrow Dollars earned by the 4 Families who completed their Contracts was $ 4,127 FANHLy SELF. suFFKIENcy 91% of FSS graduates are no longer on City of Dubuque Housing Assistance. Avg. Beginning Annual income: $6,151 Avg. Graduating Annual income: $22,238 Avg. Beginning Earned income: $2,308 Avg. Graduating Earned income: $19,868 Avg. Beginning Total Tenant Payment*: $132 Avg. Graduating Total Tenant Payment: $519 Income of FSS Grads Income % Increase for FSS Grads $25,000.00 800°A 761% 700% $20,000.00 600% $15,000.00 Beginning s00% sio,000.00 400% = FSS Graduation MI_ 262% II 292% %Increase 300°/O $5,000.00 z00% moo l00% Annual Earned TIP 0% Income Income Annual Income Earned Income TIP *Total Tenant Payment (TTP)=Tenant's share of rent and utility payments on their unit. DUBUQUE'S CIRCLES ® INITIATIVE Mission: To build collaborative circles of support that strengthen community, inspire tolerance, eliminate barriers and connect resources for those living in a cycle of poverty, so they may lead A( r\kCLes‘ themselves and their families GETTING AHEAD IN A BRIDGES OUT OF POVERTY to permanent stability. JUST-GETTIN'-BY WORLD A training that teaches middle class individuals Vision: A community where A curriculum that offers step by step life about the hidden rules of each socio economic planning lessons with an investigation of class and how these unspoken rules can serve as all have t h e opportunity t o poverty,so families can create the path barriers to effective communication. succeed and contribute. to a stable,secure future. a WEEKLY COMMUNITY MEETINGS %%L__. ) An average of 63 This is where it all comes together! CIRCLES' ITATIVEcommunity members attend Once a week,Circles members come together to °"omue the weekly Circles build friendship and gather support as they work toward their goals. meetings. FY13 Getting Ahead Bridges Out of Poverty Graduates In FY 2013 - 741 Persons Rounds 9 & io (2013) 15 of 23 YTD FY 2014 - 487 Participants Graduated Persons 12 of the 15 Graduates Joined Circles BRIDGFS out o � _,tt_, _ . � � POVE TYAlp, rfi IMS. STRATEGIES or '#' PROFESSIONALS % and COMMUNITIES Round 11 currently in process 12 Participants will graduate in June 2014 DUBUQUE TO HOST REGIONAL BRIDGES OUT OF POVERTY CONFERENCE IN JUNE 2014 CIRCLES ® 2013 Circle Leader Employment and Education Outcomes 8o 0 19 Matched Circles 6 of those completed 70 0 their 18 month L cri commitment and J 0 ❑ Employed accomplished l00% of V 0 the goals they set for V`~O 0 ❑ Enrolled in Education themselves. 1 .2 IL Certificates or Goal for 2014 is to w Degrees reach 20 matched N 0 Earned Circles . 0 o Enrollment 6 months 12 months 18 months Length of Time in Circles rifi5 FY15 IMPROVEMENT BUDGET REQUESTS Provide funds for two Family Self-Sufficiency (FSS) Coordinator positions for six months ($64,359) Provide funds for five computer tablets to allow the Community Development Specialist, Rehabilitation Programs Supervisor, Rehabilitation Programs Inspector, Healthy Homes Program Manager and the Lead Hazard Control Program Manager to more effectively perform work in daily operations and out in the community ($7,820) Provide funds for a smartphone for the Assisted Housing Supervisor to allow access to calendar, emails, etc., when away from the office ($i,ogi) Provide funds for training for the Community Development Specialist to attend HUD training for Environmental Reviews ($425) Provide funds to administer the Urban Revitalization Program ($575) Provide funds for uniforms for Housing Inspectors, Rehabilitation, Healthy Homes and Lead Staff ($1,634) HOUSING AND COMMUNITY DEVELOPMENT DUBUQUE ® HOME INITIATIVES DUBUQUE ACQUISITION OF MARGINAL PROPERTIES/ REHAB/RESALE • Capital Improvements Request for $3,000,000 in FY15 and $1,000,000 in FY16, for acquisition of properties, strengthen the partnership with HEART and Green & Healthy Homes Initiative. - • Resources development structure: financing pool rrr rr • Working with the Private sector contractors and developers to converHI 1 , 1 r, t duplex rentals back to single family units and manage a Neighborhood Revitalization Program. • To reduce these marginal properties over the next 18 months by 40% or approximately 3o units. A reduction means that the property is no longer plagued with neighborhood complaints, police calls and being a 0 nuisance to the neighborhood. • In partnership with the Economic Development and private I . developers, we will work on a strategy for the production of Soo sai' WorkForce rental and senior housing units. II ' • Expanded definition of Affordable Housing to include workforce, e special needs retirement, assisted living and single family development V` and cover broad spectrums of the economy and our demographics. 7 Tv • Increase of single family homes with new sub-divisions and infill. • Contribute to the increase of the Dubuque population. HUD VOLUNTARY COMPLIANCE AGREEMENT Successfully complete all conditions of the � eo` VCA and move the rzu program from a status of noncompliance to .l +00"1"41: ri one of due diligent HOUSING CHOICE VOUCHER ( HCV PROGRAM BECOMING A NATION , MODEL There are no national models as to how to run a successful Section 8 Housing Choice Voucher program, HUD has general rules, regulations and procedures around compliance and fair housing but there are no reliable how to operating manual . We have reviewed the operation of 22 other programs and they all run the same with the basic minimum rules and guidelines. We believe that there is an opportunity for our program to demonstrate how a program should be run and how to advance opportunity for participants in the program in moving forward . Our program will include full employment, training and engagement back into the education system. To operate programs that challenges people to grow, move forward and contribute to the revitalization of our core neighborhoods. We can create small business opportunities and show participants how to make significant contributions to Dubuque through community service and creative engagement. We will model our program based on a 32 point strategic plan adopted by the Housing Commission and HUD and City Council . 2 RETIREES AFTER NUMEROUSYEARS OF SERVICE Tim was employed with Aggie was employed with the the City for 26 years. He ir City for 33 %2 years. As the inspected units within ` ; Community Development the city to ensure ,, Specialist, she oversaw the • occupants had decent, '' administration and use of the safe and sanitary housing Community Development Block according to the Grant (CDBG ) funds, which standards of the Housing S. , provided a variety of housing, Code. Tim was able to A) , economic development, and perform inspections with r% � neighborhood and community a high level of technical t _w development programs — all skills, accuracy, with a grace and style uniquely consistency and fairness her own. nnniiorl tn nil The Housing d c i _,..,.. .. '',W .ii_Ag' 2—:- - . Development Department . . ..4 . ,, . . . .... . . . . . ., ..e. , ... ., , . - s,„-k.' , . _, ,...... •, ... . . _ ... _ --„,,,:• . . - t. - • . - r 1-t r .. 1 1 1 I 1 -Niii• ..-- • „,•,-..;bork_.- r ,r_ ,. . . . • ,.._ .. .. . • . . ... _ . _ ... A . • ' 4^._li":'.' • - .1.a.t. , I - - • .„. LI I ...... iii Inn li 1111 II ... ......1 i 0 A :- Ili IL.....____ r I•.I - - ., ",••••4 •4,,,, i rrrrrrrr • • i i 1 . , ' ___....-.,_ ''. — .. ... r I -i 7-• i ',. .: ..... 111! •' ..,,. '. , 4‘.11 . -• 1 •- - . . •.. .,•, , . . 111,,,„11.,.: ,.:1 r, k , , , ;•f.'..:' :.:' IP , 4 1, r li*.:*"...' •i • . n t• --s• • _. -..,;•V.*% .. A \\, Ii, it 1 • . -'1 0 ' , ...... !..... ,:-.„....• -..,. : -,-,.--5,: --•;—,..• 1 . „cl 4,,,:. ,,,,,,1„,.-7-,-, ..•.,--..-- ... ,..„., ..:,;-• - - .'..:1?i'' - ,--- ? ... •. ..- , , . . „I- - • - A -:1 14 P - -, •d ;VI 1 ''.. - - $164111141 ---- ' . --r-- • - ' --. . ••..r>,re^' , - •••••or.' - .1-..;....„1./..,: . - Ali:. •A., ,,..A • - a ,. .- - •,-- •-t• - , . - k • -- ' W' - '..t- "11 :----, - i . 0 • ... ‘V` Y'—'. '''' ''- • •41‘ ." ' . ". • 3'1 '' • - .*- p . . 9, . , 0 .. .. .. - — ..,-- .,44,,,,, . ...... .....-...--....c. :-......._:,. ._'...•,.__:,, ' ,;:i . '.•?""1!••• •', '•-'..A.' ' •- '''.4..1." .. -•'-- _.,"1*. .,•., •_ rirtn! „E . 4.,..*.:l.*';•i4.10.,0...t..„,4,,.i.i.„it....„--. *4. .O„- r0,.3.,..,--t....*.....‘ .O.,4.:-.1,-,4..."...541,.41.„.....-.f_t:•..-'-•‘-2:..n•.•••..4.4-1..;,•,..,..%'. *ii...:'‘ -.-••4-•e-?i.r.:.?0•- '-,•'•,':.'..:.-__......,..'.,IW.O,..•.7.1„.4. ,6........A..o vF, ,- -- ...- ----— -M-,11 1 ,•'•,.•,'",,:•„i•:'•.,' ,.'.-'0'•'•1 r,_1.•n1...4Xi/O"•i;i 4'.-.-..1,''., -- , i .,.I1,!•tr:t,0-'..-'.'*,..1,.': g1 . IrirThank • you s . .. r-arALRII,liVISA t5 Questions?