Legislature(2009 - 2010)BARNES 124
01/27/2009 08:00 AM House COMMUNITY & REGIONAL AFFAIRS
| Audio | Topic |
|---|---|
| Start | |
| Overview(s): Alaska State Chamber of Commerce | |
| Alaska Municipal League | |
| Adjourn |
* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+ teleconferenced
= bill was previously heard/scheduled
| + | TELECONFERENCED | ||
ALASKA STATE LEGISLATURE
HOUSE COMMUNITY AND REGIONAL AFFAIRS STANDING COMMITTEE
January 27, 2009
8:03 a.m.
MEMBERS PRESENT
Representative Bob Herron, Co-Chair
Representative Cathy Engstrom Munoz, Co-Chair
Representative Wes Keller
Representative Charisse Millett
Representative Sharon Cissna
Representative Berta Gardner
MEMBERS ABSENT
Representative John Harris
COMMITTEE CALENDAR
OVERVIEW(S): ALASKA STATE CHAMBER OF COMMERCE; ALASKA MUNICIPAL
LEAGUE
- HEARD
PREVIOUS COMMITTEE ACTION
No previous action to record
WITNESS REGISTER
WAYNE STEVENS, President/CEO
Alaska State Chamber of Commerce
Juneau, Alaska
POSITION STATEMENT: Provided an overview of the Alaska State
Chamber of Commerce.
KATHIE WASSERMAN, Executive Director
Alaska Municipal League (AML)
Juneau, Alaska
POSITION STATEMENT: Provided an overview of the Alaska
Municipal League.
ACTION NARRATIVE
8:03:21 AM
CO-CHAIR BOB HERRON called the House Community and Regional
Affairs Standing Committee meeting to order at 8:03 a.m.
Representatives Herron, Munoz, Millet, Keller, and Gardner were
present at the call to order. Representative Cissna arrived as
the meeting was in progress.
8:03:39 AM
CO-CHAIR HERRON announced that the first order of business would
be to discuss some of the goals of the committee and its members
for this session.
8:04:20 AM
CO-CHAIR MUNOZ related that the issues of interest to her are
those related to energy, transportation, and health.
8:06:06 AM
REPRESENTATIVE KELLER said that the aforementioned all sounds
good to him. However, he highlighted the need to have a good
relationship and communication with the department.
8:06:30 AM
REPRESENTATIVE GARDNER, adding to Co-Chair Munoz's list,
specified the need to review economic development, which she
referred to as diversification and stabilization of economies in
the smaller communities in the state.
8:06:54 AM
REPRESENTATIVE MILLETT noted her agreement with Co-Chair Munoz's
list as this committee will definitely review all the
communities with a regional perspective. Energy issues will
certainly tie into that, she remarked. She then mentioned that
the House Special Committee on Energy is going on the road and
will bring back issues from two of the regions it plans on
visiting.
8:07:49 AM
REPRESENTATIVE CISSNA opined that the health of communities is
economics and social and physical health. Economics includes
energy, she pointed out. She suggested that viewing these
matters, physical and social health, in a holistic manner in
terms of producing people ready to work. She then discussed the
lack of infrastructure for manufacturing in Alaska, and
highlighted that the challenge for the Department of Commerce,
Community, & Economic Development is how to supplement a
previous subsistence economy such that it helps communities walk
in the two worlds. To accomplish the aforementioned, she
mentioned education, health, and workforce development as well
as ownership in energy issues from each community.
8:11:10 AM
CO-CHAIR HERRON expressed hope that this committee can help
DCCED address the aforementioned issues as it and other agencies
are important to the success of the legislature and this
committee.
^Overview(s): Alaska State Chamber of Commerce
CO-CHAIR HERRON then turned the committee's attention to the
overview of the Alaska State Chamber of Commerce.
8:14:03 AM
WAYNE STEVENS, President/CEO, Alaska State Chamber of Commerce,
began by informing the committee that he has been in Alaska for
38 years, lived throughout the state, and has been active in the
community wherever he lived. He emphasized his belief that if
one wants to complain about things then one should share his/her
perspective with those making decisions. He then explained that
the Alaska State Chamber of Commerce ("Chamber") is a private
nonprofit corporation 501(c)(6) that represents some 500-plus
business members and their employees. The Alaska State Chamber
of Commerce began operations in 1953 when it was known as the
All-Alaska Chamber. The Chamber is governed by a board of
directors who represent the interest of businesses and
communities from around Alaska and the Pacific Northwest. The
board, which is larger than the legislature, is a geographically
diverse organization. The board sets the strategic direction of
the organization. He reviewed the makeup of the board and
related that its mission is to drive positive change for
Alaska's business. The Chamber produces four major events,
which are related to the organization's major focus, which is
legislative advocacy on behalf of business. The Chamber, he
further related, maintains a web site and produces an annual
directory of members and a quarterly newsletter. In an effort
to serve the statewide business community more effectively, the
Chamber has offices in both Juneau and Anchorage. The primary
focus of the Juneau office is advocacy, administration, and
communications. The Anchorage office is a regional development
office with the primary focus of membership events and the
directory.
8:19:09 AM
MR. STEVENS then related the Chamber's top five priorities, as
follows: progress on the natural gas pipeline project and
essential infrastructure developments and improvements; cruise
ship point of discharge wastewater permitting issues; ballot
initiative reform; workers' compensation medical rate freeze,
which expires at the end of December 2009; cost of living
adjustment; support for exploration and development of the Outer
Continental Shelf (OCS). He explained that any member of the
Alaska State Chamber of Commerce can submit positions of
statewide interest for consideration. Those positions are
discussed at the fall meeting when the positions are debated,
modified, and ultimately adopted. This year, of the over 35
priorities submitted, five became the top priorities. He noted
that the committee, legislature, and administration are provided
a copy of the Chamber's top priorities as well as a list of each
position.
MR. STEVENS highlighted that Chamber members employ a
significant number of private sector workers, and therefore the
actions of the Chamber represent businesses as well as their
employees. He related his hope that the Chamber's actions on
the five priorities will remove barriers to job creation and
create opportunities for business development. Mr. Stevens
noted that the Chamber is interested in some of the items that
[are in the committee's queue], including municipal property tax
exemptions. The aforementioned is of concern because when a
municipality exempts property from certain payers and the budget
isn't reduced in the corresponding amount, the cost is then
merely shifted to businesses. Therefore, it adds to the cost of
doing business in the state. Mr. Stevens, recalling the
committee's discussion of the need for a strategic economic
development plan, related that the Chamber has long advocated
that the state develop a strategic economic development plan.
The legislature, the administration, and the private sector, in
partnership, needs to develop an overarching economic
development plan. He highlighted that the states of Washington
and Oregon have written business plans and their legislature,
administration, and congressional delegation all signed off on
those plans. He then related that a strategic economic
development plan should be fiscally predictable, stable, include
workforce development, and identify deficits in essential
services and education for those skills necessary for
recruitment. The foundation, he opined, for economic success
should have leadership, ensure policies in investments in
transportation, energy, communication, and other infrastructure
that supports economic development. He indicated that such a
plan should illustrate that the state is open for business and
that it's easier, less expensive, and more streamlined to
operate business in Alaska.
8:23:42 AM
REPRESENTATIVE GARDNER commented that there is no end to the
wonderful things in which the state could invest and work toward
while saving. However, the state can't fund everything and have
robust savings. She noted that one of the 2009 positions of the
Chamber is "savings - the first step to a fiscal plan."
MR. STEVENS said Representative Gardner had identified the
difficulty. He then pointed out that Alaska is a teenager in
terms of development as a state and is still trying to develop
its infrastructure, systems, a plan, and a vision. The state
needs to be able to articulate the vision, a shared vision, but
the [state] isn't at that point. He related that from the
Chamber's perspective, just throwing money at things doesn't
move toward the goal. [Those in the] state need to work
together to develop a vision for the future, he opined.
8:26:42 AM
REPRESENTATIVE GARDNER inquired as to when the development plans
of Oregon and Washington went into effect.
MR. STEVENS recalled that the Oregon business plan has been in
place for about 10-15 years while the Washington business plan
has been in place a few years less than that. Both states'
plans identified critical areas to focus on to attract business
development in their state. He echoed Representative Cissna's
earlier comments that Alaska doesn't have the type of
development that provides a broad economic base because Alaska
is a young state that lacks infrastructure and systems.
Furthermore, the primary focus of the state has been resource
extraction. Alaska is blessed with resources and needs to find
a way to use those. Forming these plans brings all viewpoints
to the table and compromise occurs in order to move the state
forward.
8:29:36 AM
REPRESENTATIVE GARDNER stated that of particular interest to her
is that any economic development includes policies that promote
Alaskans doing the development.
MR. STEVENS noted his agreement, but pointed out that capitol is
the issue. Economic development can't be done in a vacuum or
alone; it must be done in a manner that brings the greatest
benefit to all residents of the state. The aforementioned
requires assistance, he said.
8:30:43 AM
REPRESENTATIVE CISSNA opined that the state has one of the
largest savings plans in the nation, the permanent fund.
Therefore, she said she didn't believe money is the problem but
rather how it's being spent. Representative Cissna then
recalled Mr. Stevens' comment about the need for everyone to be
at the table, which seems to be the problem. She surmised that
the Chamber must discuss this issue [of people coming together].
MR. STEVENS pointed out that there are many organizations, such
as the Southeast Conference, Southwest Conference, and the
Alaska Regional Development Organization (ARDOR) program, that
have regional economic development discussions. Although
Anchorage has the benefit of being easy to transit around and
through and is a great service center, the production of
resources comes from rural Alaska. There needs to be an
acknowledgement of the aforementioned, he opined. He related
that upon completion of an economic geography study in the
Southwest region, it was determined that Southwest Alaska sends
to Anchorage annually $350-$450 million, albeit a transaction at
a time. Due to the traditional ties between Southwest Alaska
and the Pacific Northwest, an equivalent amount goes to the
Pacific Northwest. Mr. Stevens, therefore, expressed the need
to bring that dollar flow into Alaska. Furthermore, folks need
to acknowledge the huge economic impact that the rest of Alaska
brings into the Anchorage bowl area. He pointed out that those
who move to Anchorage don't bring their job but do bring their
social service demands. Mr. Stevens expressed the need to
understand that economic development is about from where the
dollars come and how each [location] benefits from those
dollars.
8:35:17 AM
CO-CHAIR MUNOZ commented that the resource wealth of Alaska is
in rural Alaska. She then related that the coastal business
community is very concerned with regard to the new point of
discharge standards for the cruise ship industry. She inquired
as to the Chamber's involvement with the legislature to craft
legislation that addresses the aforementioned issue.
MR. STEVENS related that the Chamber is working closely with the
cruise industry, the Alaska Cruise Association, the Alaska
Travel Industry Association, and other like-minded
organizations. He then related his understanding that the
requirements for the cruise industry point of discharge specify
that the requirements must be met at the location where the two-
inch pipe leaves the ship. When communities discharge the same
kinds of materials, there is a mixing zone from where the
measurements are taken. This new requirement is a rigorous
standard that has the potential to drive industry away from the
state and the loss of passengers would have an impact on [the
entire state]. Conversely, if this requirement is placed on
communities, it would be costly.
8:38:19 AM
CO-CHAIR MUNOZ related her understanding that a glass of
municipal water in Juneau discharged at the point of pipe
wouldn't meet the new cruise ship discharge standards.
MR. STEVENS said that's his understanding as well, although he
noted that he isn't a scientist. Therefore, if one were to pour
a gallon of drinking water out of the discharge, it would be in
violation of the standard at that point of discharge. He
characterized the requirement as a bit onerous.
8:39:21 AM
CO-CHAIR MUNOZ requested a further presentation on the new
cruise ship wastewater discharge requirements.
8:39:59 AM
MR. STEVENS, in response to Co-Chair Herron, explained that his
title is President/CEO of the Alaska State Chamber of Commerce,
and the elected leader of the executive committee [of the
Chamber] holds the title of chair. In fact, a past chair, Mr.
Richards, is in the room today. In further response to Co-Chair
Herron, Mr. Stevens specified that anyone can be a member of the
[Chamber]. As in any organization, individuals who volunteer
tend to rise in the hierarchy of the organization. He noted
that many companies encourage their employees to participate in
the board. Active participation in the board often leads to an
executive committee position. He highlighted that these are all
nonpaid volunteers who believe what the Chamber stands for and
advocates for. The next full meeting of the Chamber will be
February 23-25 and legislators will be invited to a reception
during that time.
MR. STEVENS, in further response to Co-Chair Herron, identified
the biggest surprise he has experienced during his time with
Chamber as the willingness of people to step forward and serve,
particularly in positions of leadership. He identified his
biggest disappointment as the Chamber's inability to convey to
the general population the importance of having a voice to
interface with the legislature.
8:46:06 AM
CO-CHAIR HERRON inquired as to who the Chamber would consider an
ally that helps the Chamber bring its message forward.
MR. STEVENS said the Chamber works with many organizations
throughout the state on various issues, including the Cruise
Association, ATIA, the Alaska Municipal League, the Resource
Development Council, and the Alaska Alliance. Mr. Stevens
related his philosophy that no one organization can be all
things to all people. Therefore, the organizations need to work
together. He characterized the Chamber as a portal of entry for
people to find information and connect people with those who
hold the information being sought.
8:48:00 AM
CO-CHAIR HERRON asked if the Chamber has discussed the stimulus
package and whether funds from it could turn into real dollars
and jobs.
MR. STEVENS answered that such will be discussed at the February
meeting.
8:48:32 AM
REPRESENTATIVE GARDNER opined that the key to the creation of
wealth is not only the production of the state's resources, but
also finding opportunities to add value to the state's raw
materials/resources and being part of all possible life cycles
of the resource. Otherwise, the state is somewhat of a colony.
MR. STEVENS noted his agreement. The challenge, because of
Alaska's geographic location, is to bring in raw materials to
perform things like fish processing and add value. However, he
acknowledged that there are many small companies throughout the
state that have been successful with small niche markets in
which they package their own products on a small scale.
8:51:26 AM
REPRESENTATIVE GARDNER suggested imagining if the state succeeds
in its efforts to bring gas to South Central, part of which
could be used in the petrochemical industry to create plastics.
MR. STEVENS agreed that there's huge potential.
The committee took an at-ease from 8:51 a.m. to 8:57 a.m.
^Alaska Municipal League
8:57:16 AM
CO-CHAIR HERRON announced that the committee would now turn its
attention to a presentation from the Alaska Municipal League
(AML).
8:57:38 AM
KATHIE WASSERMAN, Executive Director, Alaska Municipal League
(AML), began by explaining that AML is a nonprofit membership
organization that operates through dues collected from
municipalities. Presently, 150 cities and boroughs, most of
which are very active, are members of AML. The 13
municipalities that don't belong to AML are very small
communities. The mission of AML is to lobby on the state,
federal level regarding legislation that impacts municipalities
throughout the state. She pointed out that AML takes great
interest in all issues that impact its members, such as the
Public Employees' Retirement System (PERS) issue. The AML is
also responsible for local government training as much of the
state's training budget has dwindled. However, as a nonprofit
it's difficult to obtain funds to travel to locations for
training. In fact, AML is currently looking for grants to
travel to smaller communities [for training]. She then informed
the committee that AML offers services/support for the Alaska
Conference of Mayors, the Alaska Association of Municipal
Clerks, the Alaska Municipal Managers Association, the Alaska
Municipal Attorneys Association, the Alaska Government Finance
Officers Association, and the Alaska Assessors Association. The
AML holds seats on the Board of the National Association of
Counties, the National League of Cities, and the Western
Interstate Region. The AML board consists of 26 individuals who
are very active and easy to work with. The board consists of
one of each member from 11 different districts in the state as
well as representatives from the aforementioned associations.
She noted that AML's office is in Juneau. She then highlighted
that over the last couple of years AML has tried to improve its
relationship with industry as a healthy community can't survive
without good jobs. In fact, AML has reached out to the Chamber
and the oil, mining, and cruise ship industries in an attempt to
work together to determine what works best for the
municipalities in the state. The AML attempts to provide
members with the information they need to run their government
wisely and the ability to participate in helpful meetings
throughout the state. Furthermore, AML tries to have AML
representatives at [local meetings] on behalf of AML. The
aforementioned serves to keep AML informed and inform all other
factions in the state that AML is interested and addresses more
than just municipal issues. Ms. Wasserman highlighted that AML
provides the opportunity for its members to join its insurance
pool, the Alaska Municipal League Joint Insurance Association,
which has approximately 160 members. The association has more
members than AML because it accepts school districts, which
saves them money. The majority of the smaller communities in
the state are insured through AML as are the Rural Education
Attendance Areas (REAAs) and the first class school districts.
She pointed out that AML also has an investment pool, which
allows municipalities to invest short-term money. The AML
Investment Pool has just reached investments above $600 million,
she related. The pool allows placement of funds that can be
withdrawn quickly while receiving better returns.
MS. WASSERMAN pointed out that AML publishes a quarterly
magazine in which it reports on matters occurring throughout the
state, legislation during session, as well as congressional
information. The quarterly magazine also has a classified job
section in which an AML member can advertise municipal
employment opportunities for free. The AML provides an
opportunity for state agencies to get information out to all
municipalities as well as others. She then opined that AML can
be a great ally to the legislature, but emphasized that AML
doesn't lobby for capital projects and not very often for
regional issues. The AML stays out of situations in which
communities are pitted against each other. She informed the
committee that AML holds three conferences each year, with the
first here in Juneau this week. She related that AML's
priorities this year are transportation and energy. She
reviewed the various conferences and the general agendas of
each. Ms. Wasserman informed the committee that AML publishes
the municipal officials directory, which is provided to the
legislature. This publication, which includes every elected
official in every city and borough, will be available next week.
She noted that AML partners with DCCED to put that directory
together. The AML also publishes a municipal salary survey.
During session AML publishes a weekly e-bulletin.
9:13:40 AM
MS. WASSERMAN specified that AML's two priorities revolve around
energy and transportation. However, there hasn't been much
mention of transportation either in legislation submitted or
from the administration. She then reminded the committee that
the federal trust fund will be out of money in another year.
Therefore, the looming question is what to do about that. She
informed the committee that AML has contracted with a firm and
is almost ready to produce the final document, which was a study
of other states regarding how they funded transportation without
federal government funds. A gasline is forthcoming, but keeping
the roads and transportation links open is important, she said.
An influx of people to the state could be problematic, she
remarked. At this point, although AML doesn't have any
suggestions or solutions, it wants to be involved in the answer.
With regard to energy concerns, AML will likely address power
cost equalization (PCE). In fact, this week AML will decide
whether to request a geographic expansion of PCE such that more
communities in the state are included or whether to request a
program expansion to businesses and schools.
9:16:37 AM
CO-CHAIR MUNOZ indicated interest in AML's resolution regarding
the point of discharge requirements as well as the possible
recommendation to extend PCE to businesses.
9:17:16 AM
REPRESENTATIVE CISSNA, recalling a number of years ago when AML
made a report regarding what was happening to communities,
particularly those small communities that were facing
bankruptcy, said she has found enormous value in AML. She then
opined that this year seems much worse [in regard to the
difficulties that communities face] and asked how that has
impacted membership in AML.
MS. WASSERMAN pointed out that last year revenue sharing was a
huge help, and luckily AML kept its members. The members of AML
realized that their dues were what enabled AML to lobby on their
behalf. She then mentioned that she has been impressed that
most of the larger communities have been supportive of the
smaller communities. The aforementioned, she opined, seems to
reflect the realization that all the communities are in this
together for the good of the state. Ms. Wasserman echoed
comments of Mr. Stevens regarding the importance of all
communities in the state, not just Anchorage.
9:20:33 AM
REPRESENTATIVE CISSNA inquired as to whether any work is being
done with the university, which performs workforce development
pieces. She related that she has tried to get the university
involved with her local school district more than it is. She
then questioned whether [a partnering with] AML and the public
administration [program at the university] would be beneficial.
MS. WASSERMAN said that although AML has worked with the
university, it probably could do more. Ms. Wasserman informed
the committee that as a commissioner with the Denali Commission
she has worked with the university and been able to bring some
of that to AML. She then noted that AML has been involved with
the public administration program. However, most of the [public
administration] training has been with state workers, and
therefore AML doesn't want to put resources into training for
state workers over municipal workers. Furthermore, most of the
municipal training that's necessary is different [than what's
offered in the public administration training]. Part of the
issue, she identified, is obtaining funds for travel because the
university doesn't have funds to fly [trainers] to the
communities or transport students to a hub community. She
mentioned that she is averse to having all the training in
Anchorage, and would like to have some of the training in Bethel
or locations a bit closer to [the students]. Therefore, she
noted she has been working with U.S. Senator Lisa Murkowski to
accomplish the aforementioned.
9:24:22 AM
CO-CHAIR HERRON inquired as to the agenda of the Conference of
Mayors.
MS. WASSERMAN explained that the Southwest Alaska Municipal
Conference (SWAMC) is meeting this week. The president of the
Conference of Mayors is a board member of SWAMC and will be at
the SWAMC meeting. Furthermore, the vice president of the
Conference of Mayors will also be in attendance at SWAMC. Ms.
Wasserman related her assumption that [the Conference of Mayors]
will discuss energy issues.
CO-CHAIR HERRON then inquired as to why AML supports returning
to a separate Department of Community & Regional Affairs (DCRA).
MS. WASSERMAN related her understanding that DCCED has branched
off into more commerce than community, which is still necessary.
She recalled when she was mayor and there were many local
government specialists who helped municipalities. However, as
the funding decreased and more funding was placed in the
commerce side, there are now only two local government
specialists who can travel throughout the state. She related
her understanding that the remaining local government
specialists are with the Rural Utility Business Advisor Program
(RUBA). Although RUBA [local government specialists] do a great
job with rural utilities, they can't address local government
help to the degree it once occurred. Therefore, a lot of AML's
members would like for the reinstatement of DCRA as it provided
more of an emphasis on community help.
CO-CHAIR HERRON recalled the testimony of DCCED's Deputy
Commissioner Black who said his heart was with DCRA because of
its focus. However, Deputy Commissioner Black also shared that
[the joining of the departments] is all about economics. To
protect DCRA, Deputy Commissioner Black had said that it's
probably good DCRA was joined with the Department of Commerce.
Many would question how the state could afford to have a
separate DCRA, Co-Chair Herron remarked.
MS. WASSERMAN acknowledged Co-Chair Herron's comments as good
points. She then informed the committee that throughout the
session AML will try to have conversations with the legislature
and people such as Deputy Commissioner Black.
9:28:28 AM
MS. WASSERMAN, in further response to Co-Chair Herron, said that
AML's resolution regarding revenue sharing was written at the
beginning of November and the extra $15 million from the
governor's budget didn't materialize. Although Ms. Wasserman
said she couldn't predict what the board would do, it would
definitely be part of the discussion as it will discuss which
priorities to press. She emphasized that AML watches the issues
carefully.
9:30:17 AM
CO-CHAIR HERRON addressed the disclosure form required by the
Alaska Public Offices Commission (APOC), which he characterized
as overly onerous when required for municipal officials. He
asked if AML has concern with the disclosure requirements.
MS. WASSERMAN responded that AML understands the need for the
APOC rules and AML supports those. However, to require folks on
the volunteer boards to state their own financials as well as
those of their partner/spouse and dependent children with the
possibility of the information being placed on line has caused
folks not to volunteer. She expressed the need to have a scale
for reporting.
9:32:35 AM
CO-CHAIR HERRON announced the intent of the co-chairs to
schedule a hearing to discuss the cruise ship wastewater
reporting requirements. He then turned to the census and
suggested [AML] review what Association of Village Council
Presidents (AVCP) is seeking from the federal government.
9:33:57 AM
MS. WASSERMAN, in response to Co-Chair Herron, identified her
biggest surprise as not needing to worry about keeping AML
members enthused about what they're doing. She then indentified
her biggest disappointment as having to work so hard to ensure
people understand that AML isn't a special interest group.
9:36:00 AM
CO-CHAIR HERRON emphasized that each legislator is interested in
how the national stimulus package will help his/her
constituency, particularly in terms of jobs.
MS. WASSERMAN reminded the committee that U.S. Senator Mark
Begich was a very active member of AML prior to becoming a
senator and U.S. Senator Murkowski is a strong supporter of AML.
In fact, U.S. Senator Begich has provided AML forms to give to
communities to submit their projects to U.S. Senator Begich.
She agreed to request from U.S. Senator Begich that those forms
be shared appropriately with legislators.
9:37:58 AM
ADJOURNMENT
There being no further business before the committee, the House
Community and Regional Affairs Standing Committee meeting was
adjourned at 9:37 a.m.
| Document Name | Date/Time | Subjects |
|---|---|---|
| AKStateChamberOverview1.27.09.PDF |
HCRA 1/27/2009 8:00:00 AM |
|
| AML Overview1.27.09.PDF |
HCRA 1/27/2009 8:00:00 AM |