California Association of Student Financial Aid Administrators
California Association of Student Financial Aid Administrators
2005 Executive Council Meeting
Grand Hyatt Hotel, San Francisco
September 18, 19, & 20, 2005
Minutes for Sunday, September 18, 2005
Council Members Present: President Joanne Brennan, Louise Jones, Wayne Mahoney, Katherine Sharifi, John Anderson, Mindy Bergeron, Shawn Brick, Sean Smith, Laura Cunha, Linda Williams, Marco De La Garza, Meredith Kelly, and Colleen MacDonald
Others Present: Tim Bonnel, Kathleen Clough, Max Espinoza, Donna Huber, Kara Moore, Addalou Davis, Karen Grumm, Tami Sato, Mary Lindsey, Ken Walsh, Rhonda Mohr, Germain Graham, Susan Gutierrez, Marie Navarro, Maureen McRae Levy, Carrie Steere-Salazar, Steve Arena, Tom Ma, and Barbara Bickett
Absent: Toni Dubois, Antoinette Moore, and David Levy
The meeting was called to order by President Brennan at 3:11 p.m.
Review and Approve Minutes from the July 2005 Meeting – Modifications submitted by John Anderson, David Levy, and Tami Sato will be incorporated into the final draft of the July 2005 minutes.
MOTION
Motion was made to approve the July 2005 meeting minutes with amendments.
APPROVED
Moved by Wayne Mahoney, duly seconded by Linda Williams and unanimously approved by Council.
Segmental Reports
Community College (Marco De La Garza)
Marco shared with Council the following information:
• CCCSFAAA sent a letter to Alan Bersin, Secretary of Education, congratulating him on his new position.
• A letter was sent to the Governor in support of Audrey Yamagata-Noji, applicant for CSAC Commissioner representing community colleges.
• Katrina and AB 1646 passing assembly and senate unanimously and waiting for the Governor’s signature. (Also waiting for signature on AB 982 Laird).
• September 2nd Community College Cal Grant deadline. This was a great success with all colleges participating for 11,250 awards.
• Increased focus on serving Foster Youth and Transfer students with financial aid information.
• Plans for Outreach Conferences.
• The CCCSFAAA strategic/transition meeting will be held during October in Lake Tahoe.
• The CCCSFAAA election results are in:
o President Elect Beth Asmus (College of the Canyons)
o Vice President Jacque Bradley (Mendocino College)
o Secretary Judy Cohen (Laney College)
o Treasurer Brad Hardison (Santa Barbara City College)
CSU (Meredith Kelly)
The CSU is admitting displaced students from colleges in Louisiana, Mississippi, and Alabama. Priority is given to California residents who had planned to attend a college in the affected regions. Admission is also available to students who can document Fall 2005 admission or recent attendance at any regionally accredited college in the areas impacted by Hurricane Katrina. Students who are residents of the affected areas are exempt from non-resident tuition. As of 9/15/05, CSU campuses have admitted a total of 388 students and enrolled 177. The CSU has had contacts from more than 700 students affected by Katrina.
Campuses are also standing-by to host evacuees. San Jose State has 30 people living at Spartan Village and San Diego State has offered space for up to 600. The Golden Bear, Cal Maritime’s training ship, is on standby for deployment if needed.
The Board of Trustees will hear an update on the CSUs graduation initiative. The initiative calls for the CSU to increase high school students’ academic preparation, improve the community college transfer process, and to facilitate graduation for matriculated students, through identification of a clear path to a degree.
Grad Professional (Linda Williams)
The Grad/Professional committee met on September 14th to discuss a theme that compliments Joanne’s conference theme, the forum agenda, and other details. After much brainstorming, they have decided on the following: 2005 Forum Theme – “Communication – Past-Present-Future”
The speakers for the forum will be Terry Everson and Nancy Coolidge. The Committee is working on narratives about each speaker and their topic to include in the printed material for the conference book. Terry’s topic is be entitled, “The Aftermath of Loan Consolidation.” Terry will moderate using the S.W.O.T. analysis method.
It was agreed to have gift cards as door prizes and to thank their partners as they did in the Do Talks. Table tents will be displayed with sponsor logos.
Independent (Sean Smith)
No report presented.
Proprietary (Laura Cunha)
The Proprietary committee had a meeting on August 13th. The main topic on their agenda was the annual conference. They have been busy getting the December conference schedule set. For certification purposes, they are required to have 21 hours of training for beginner participants and 14 hours for advanced. Committee members will meet again on September 24th where they will be confirming the December conference schedule and divide up the project of getting resumes for all presenters along with session descriptions.
UC (Shawn Brick)
The Regents of the University of California will be asked in November to raise fees for the 2006-2007 academic year by 8% for its undergraduates. This will raise UC system wide fees $492, from $6,141 to $6,633. Of the revenue from the fee increase, 25% will be added to the existing need-based grant program. This, in combination with Cal Grants, will be enough funding to cover the fee increase for the neediest of students.
The first meeting of the Competitive Graduate Student Financial Support Advisory Committee is October 3rd. This committee will be advisory to the Provost on issues relating to the financial support of graduate and professional degree students, with a special focus on graduate academic students. The model for these students is a competitive, not an access, model.
The UC system is also exploring loan repayment assistance programs (LRAP’s) for some of its professional degree students who go into public service careers.
UC Merced has opened. Shawn described the opening ceremony which he attended recently. Students attended along with their parents.
Electronic Initiatives (Wayne Mahoney)
Wayne went through the contents of the computer bags. At the conclusion of the Council meeting, those with laptops were asked to sign a contract agreeing that the equipment belongs to the association.
He shared that the laptops are pre-configured to automatically update the software. In addition, he demonstrated the other functions of the laptop.
Wayne accessed the ATAC website. He showed Council the varied functions of the website. The Council is pre-established in the database. Members have access to this interface. Membership on the Council cannot be changed through these interfaces. If changes in the membership should be made, one must contact the Electronic Initiatives Chair.
TO DO: Katherine to order business cards for new 2006 Council members.
TO DO: Laura to work out the kinks with the barcodes.
Federal Issues Report (Colleen MacDonald)
The Federal Issues Committee has been communicating via conference calls, email, and in-person meetings. Since the last Council meeting, they have submitted their fourth article for the Newsletter, created new reauthorization proposals to be submitted to the Council, and kept abreast of federal legislative activities. In addition, Colleen has sent letters on behalf of CASFAA to the U.S. Senate and House. Every Federal Issues Committee member was encouraged to write his/her own letter to members of Congress.
Other Federal Issues Committee activities:
• Post example letter and 2005 Reauthorization Recommendations Summary to CASFAA website.
• Sent out urgent message to CASFAA membership to encourage letter writing.
• Jack Gorman from EDFUND will be in D.C. to monitor events. (Jack will raise the red lantern to signal when to convene next conference call).
Minutes for Monday, September 19, 2005
Treasurer Report (Mindy Bergeron)
Mindy shared with the Council the following information:
• As of September 17, 2005 the current CASFAA 2005 Bank of America operating (checking) account balance is $108,812.02.
• On July 15, 2005, $350,000 was transferred from the 2005 Bank of America operating (checking) account into four new longer term Bank of America CDs. They were “staggered” or “laddered.” The association can transfer funds to the Bank of America operating account, as needed, from the 9-month “risk-free” CD, (one time every 7 days). The association also earns .10 percent more when accounts are “laddered” in this manner.
• On August 11, 2005, $60,000 was transferred from the 9-month CD to the Bank of America operating account. On September 5, 2005, $60,000 was transferred from the Bank of America operating account to a new 9-month CD.
• On June 30, 2005 the 6-month CD at America’s Christian Credit Union was valued at $192,597.26. There was a gain of $1,233.57 since the account was opened on March 23, 2005.
• The Franklin-Templeton investment accounts invested by Blakesly and Blakesly overall had a net increase of $4,094 for the period ending June 30, 2005.
• As of September 15, 2005, the Bank of America Visa Rewards Points balance is 434,508.
• As of September 15, 2005, the Marriott Rewards Points balance is 281,100 and the Hyatt Points balance is 67,617. It was determined by the current CASFAA President, Joanne Brennan, that the points that are earned at hotels should be in the name of an elected CASFAA officer, such as the Treasurer or President. On September 15, 2005 a new Hyatt points account was opened in the name of Mindy Bergeron, the current Treasurer. She will be on the Council through 2008 as President-Elect, President, and Past-President.
• A CASFAA Asset Inventory is currently being developed and will be distributed at the next Council meeting. With the purchase of 25 laptops for the Council, it was determined that an asset list must be maintained by the Treasurer. The insurance broker has also been contacted regarding the insuring of the assets.
• The 2002 and 2003 audit of the CASFAA Treasurer’s books has been completed by the accounting firm of Starr & Walters. There were no major findings or inconsistencies but there were several recommendations. One recommendation was that the membership income that is paid annually along with the conference registration should be “booked” as membership income for the following year. The audit for the 2004 Treasurer’s books has begun.
• The CASFAA website is now set-up to allow fund development donors to pay with credit cards.
Fiscal Planning Report (John Anderson)
John shared with the Council Starr & Walters’ finding for 2002 and 2003.
John stressed to Council to please provide feedback on forms.
MOTION
Motion was made to approve the Fiscal Planning Committee’s proposal to donate $10,000 to the Mississippi financial aid association, $10,000 to the Louisiana association, and $5,000 to the Alabama association to support counterparts in the Hurricane Katrina relief effort. These funds are to be utilized as the associations see fit.
APPROVED
Moved by Marco De La Garza, duly seconded by Linda Williams and approved by Council.
CSAC Update (Max Espinoza)
The Commission will be launching WebGrants for Students this week. This is a web-based application for students that provides a secure, convenient, and user-friendly method to access personal information regarding their Cal Grant or Chafee Grant award. The first phase which takes place this month includes screens that allow students to change their address and school choice. There goal is to have all the kinks worked out by January.
This Fall, the Commission will launch the IVR System, which allows students to obtain answers on the telephone to some of their questions, without having to wait to talk with a “live person.” Students can call the Commission, listen to a menu of choices, select an option and listen to a message that gives them basic information on their application status for both Cal Grant and Chafee Grant awards. The IVR system will allow the Commission to concentrate on more complex calls from students.
The Commission is in the process of reviewing the system-generated letters. These letters are used to inform students of all aspects of the Cal Grant award process. In three or four sessions, a dozen Commission staff and approximately 20 representatives appointed by various stakeholders are discussing and revising the letters. The results, thus far, are impressive. The committee’s enthusiastic and insightful participation is producing great feedback. The revised letters will begin to appear in the award process in January 2006.
The GPA form is now downloadable. This form will be available on the Commission’s Web site for the 2006-2007 award cycle. Students will be able to fill out the student information section online, print the form, and take it to their school for verification.
State Issues Report (Louise Jones)
Louise shared with Council that she was not able attend the last two state issues committee meetings due to a family emergency. She will provide a detailed report for the Council meeting in October.
Advocacy Coordinator Report (Tim Bonnel)
Tim’s Advocacy Committee had a conference call on August 8, 2005. There were seven participants. After much discussion they decided to investigate the Access and Equity Symposium sponsored by the SFA Advisory Committee in Washington D.C. on September 8, 2005, as a preferred format for the CASFAA Policy Day.
The Advocacy Committee also reviewed the budget and discovered there was limited funding for travel and expenses related to the presenters and panelists as well as the actual facility. While there was a fee proposed, most of the fee was collected to underwrite facility and refreshment costs.
Tim shared with the Council that he contacted Nicole Berry from the SFA Advisory Committee regarding an Advocacy Day. She expressed a sincere interest in seeing the Council conduct a similar event in the West. She offered to participate as a panelist or presenter. In addition, she suggested that the Council craft the event to the needs and issues specifically facing California. While the participants in the symposium will be addressing access and persistence globally, she thought the Council might want to think about targeting individuals to participate in the event who have particular knowledge of the way these issues play out in California.
LAC Chair Report (Carrie Steere Salazar)
Carrie started her presentation by providing some background of the Loan Advisory Committee (LAC). In addition she gave some detail on the CSAC Commission’s relationship with EDFUND and how EDFUND was started. The Commission disbanded the Loan Advisory Committee. She emphasized the importance of LAC continuing to meet because they are instrumental in helping with the student debt problems in California.
GAC Chair Report (Mary Lindsey)
Mary gave some background on the committee. The Grant Advisory Committee (GAC) started in 1985 and was composed of 20 committee members. At one time they met 6 times a year, they now meet once a year, which does not include their annual retreat. They have made a lot of recommendations on the Cal Grant program. They serve at the direction of the Commission. The Commission lets the committee know what issues they want feedback on.
GAC was allowed to have two separate workgroups. One focused on outreach activities and the other to policies and procedure. The outreach workgroup was disbanded by the Commission.
Steve Arena shared that it is more effective to go straight to the Commission to voice your concern than through their staff. The Commission receives a lot of advocacy letters, they are not always read by the Commission.
Legislative Analysis Office Discussion on EDFUND (Jennifer Kuhn)
The Legislative Analysis Office is a non-partisan office that is structured to give unbiased feedback to the legislature. Her office’s report is due December 1st, thus, she would appreciate any feedback she can get from the Council.
Jennifer asked the Council what the significant contributions of EDFUND were to their field. Council indicated customer service, accessibility, and training. Barbara Bickett indicated that she works with other guarantee agencies in other states and that those agencies do not compare to EDFUND. She added that EDFUND is superior in terms of student and school responsiveness. Addalou indicated that EDFUND’s publications are very helpful to schools and students especially. They aid in communicating very technical information to a non-technical audience.
She shared that the Legislature has asked her office to identify options for “providing the state with access to federally guaranteed student loan services.” The following options have been discussed in recent months and Jennifer asked from any feedback from the Council:
1. Sell EDFUND to another company (presumably for an upfront, lump-sum payment) to the state.
2. Retain EDFUND as an auxiliary agency but make statutory modifications to CSAC and EDFUND’s roles and responsibilities.
Jennifer then asked what value CSAC brings to the industry. Members indicated WebGrants and the annual training they provide. Discussion then went to the weaknesses of CSAC. Many mentioned technology difficulties and the lack of input from users. Jennifer asked if there were concerns with campuses taking over awarding. Most did not see it as complicated and that they are already involved in the processing anyway.
The last question Jennifer asked was what CSAC can do to improve its services. John Anderson replied, “careful selection of commissioners who are in touch with financial aid and aware of what it involves.” Also allow more input. Mary Lindsey asked for more specific Commission agendas because the agendas seem vague and one would not be able to decipher if he/she should attend the meeting or not.
CLFE Report (Donna Huber)
CLFE has scheduled two interest sessions for the upcoming CASFAA conference. One of the sessions will be in regards to private loans. This session is not going to include any specific lenders, instead it will be in terms of APRs, service, application, disbursement ease, etc. The moderator will be Carlos Perez from the Graduate Theological Union. The second session planned is in regards to credit reporting and scores. Credit reporting is a popular topic at this time. This type of presentation will be provided at the 2005 NCHELP Fall Training Conference which will be held November 13 thru 16. CLFE will work with NCHELP to have this presentation duplicated for CASFAA. CLFE is seeking a representative from an actual credit agency to present the material. Jeffrey French is able to moderate if necessary.
Donna also shared with the Council that CLFE has participated in the last few Commission meetings. CLFE is planning representation at all future CSAC and EDFUND meetings to allow for open communications.
New members have been selected for the Loan Advisory Council and it is anticipated that they will meet soon. It is hopeful this Council will reestablish a line of communication between the lenders, schools, students, etc.
The next regularly scheduled CLFE meeting is set for October 5, 2005 at the Embassy Suites Hotel in San Francisco. The meeting will start at 9:00 a.m. and tentatively end at 4:00 p.m. CASFAA will be included on all agendas to allow for open communication.
Fund Development Report (Kathleen Clough)
Kathleen shared with the Council that 21 booths are still available at the conference. According to Kathleen, the association has collected $202,475 and $39,900 is still outstanding. Chela is also set to give $4,000. Addalou is seeking computer manufacturers to see if they would like to have a booth at the conference.
Conference Program Report (Barbara Bickett)
The Conference Committee has been corresponding via conference calls and emails. The committee has determined that they would like to select moderators that have not participated at previous CASFAA conferences. They are going to contact past scholarship winners, EDFUND, and others to find fresh faces.
The committee has made contact with Coach Ken Carter to be the Conferences’ Monday lunch or Tuesday closing speaker.
Other committee activities are as follows:
• Prepared program for conference in 2005
• Currently have 58 sessions scheduled for the December conference
• Opening speaker is Dr. Beatrice Berry
• Preparing descriptions for the conference program
• Selecting moderators
Ethnic Diversity (Antoinette Moore)
Karen Grumm gave the Ethnic Diversity report on behalf of Antoinette. The Ethnic Diversity Committee met on September 3, 2005 to discuss upcoming plans for the CASFAA Conference in December.
The committee agreed to continue with their original plan to have a wine and cheese event. They will have a jazz band as background music. In addition, they would like to have a raffle, (during the event).
The committee is planning to go on an excursion to visit the location where their event will be held which will give them a general ideal of how it will be set-up. They have identified a jazz band for the event. This band is a multi-cultural band that specializes in murasaki ensemble. The Murasaki Ensemble combines the elements of Japanese traditional music, Middle Eastern, Latin rhythms, and the improvisational elements of jazz.
Site Selection Report (David Levy & Wayne Mahoney)
With David on speaker phone, Wayne and David presented proposals for upcoming conferences. Negotiations for the 2009 (San Jose), 2011 (Sacramento), and 2013 (San Francisco) annual conferences have continued since the last CASFAA and CCCSFAAA Council meetings in July 2005. At the September 2005 Council meeting, a complete update of contract negotiations will be reviewed via a PowerPoint presentation and conference call.
The San Jose McEnery Convention floor plan was presented. The association is looking to be in San Jose in December from the 9th to the 14th in 2009. At the Sacramento Convention Center from December 6th to the 14th, 2011. At the San Francisco Marriott, from December 12th to the 18th.
Next steps are as follows:
• CASFAA approval of basic contract terms for each site (dates, room blocks, room rates, concessions, and performance liability) and permission to execute hotel contracts – September 20, 2005
• CCCSFAAA approval of basic contract terms for each site (dates, room blocks, room rates, concessions, and performance liability) and permission to execute hotel contracts – October 31, 2005
• Completed review of Convention Center contracts by General Council (San Jose and Sacramento) – November 9, 2005
• IMN Solutions to deliver hotel and Convention Center contracts by December 1, 2005
MOTION
Motion was made to allow the Site Selection Committee to move forward with the contract negotiations for the 2009, 2011, and 2013 annual conferences.
APPROVED
Moved by Katherine Sharifi, duly seconded by Colleen MacDonald, and approved by Council.
EDFUND Interim President (Sam Kipp)
Sam started by indicated that Becky Stilling’s shoes are hard to fill; however, he is an attentive listener and facilitator that will ensure that EDFUND continues to be efficient. He recognizes that no person or group has a monopoly on all the good ideas.
Sam shared with the Council some of EDFUND’s key challenges and goals which are as follows:
• Clarify the needs and responsibilities of EDFUND. (The confusion needs to be eliminated so EDFUND can do what it does best).
• Protect and expand their customer base.
• Restore productive relationships with schools, lenders, and CSAC.
• Improve technology products.
Sam concluded his report by indicating that EDFUND will continue to commit to excellent service and make sure that students are well-served.
Policy and Procedures Report (Tami Sato)
Tami followed up with the WASFAA banner ads. The WASFAA treasurer says that the banner ads are part of their sponsorship. Judy Saling gives value of $600 per 15 second panel. Higher sponsorship levels allow for more loops.
The policies and procedures committee communicates through conference calls and emails. The following are the activities that they completed since the last Council meeting:
• Submitted article for newsletter
• Made changes to the By-laws that were voted on and approved by membership
• Added Treasurer-Elect duties and responsibilities
• Sent duties and responsibilities to new 2006 council members and chairs
• Updated lists of past CASFAA award winners
• Provided shortened version of policies and procedures manual with updated By-laws to Wayne Mahoney for loading onto CASFAA laptops
The minutes from the San Jose meeting had motions that did not have a second because the motion was brought forth through a committee, (one motion was from the Electronic Initiatives Committee and the other was from the Federal Issues Committee). Not needing a second to a motion was looked up in Roberts Rules of Order and the following statement was found:
“A motion made by direction of a board or duly appointed committee of the assembly requires no second from the floor (provided the subordinate group is composed of more than one person), since the motion’s introduction has been directed by a majority vote within the board or committee and is therefore desired by at least two assembly members or elected or appointed persons to whose opinion the assembly is presumed to give weight regarding the board’s or committee’s concerns.”
The Policies and Procedures Committee has found areas where there are grammatical or typographical errors. There are also some numbering and lettering inconsistencies. The committee would like Council to know that changes that are logical, correct, and not changing context, will be made without Council or membership approval.
Training Coordinator Report (Karen Grumm)
The Management Institute is completed as are the mini conferences. In regards to the 1040 workshops, 10 workshops are scheduled. There have been a couple of bumps but all have been taken care of efficiently by committee chair, Gail Hixson. Registration is available on the CASFAA website.
The Fall High School Counselor Training sessions are scheduled and all presenters assigned. Registration is available on the EDFUND website.
Minutes for Tuesday, September 20, 2005
Association Services Report (Kara Moore)
A scholarship for the September Council meeting was awarded, however, the recipient was a no-show. 1040 scholarships have not been awarded yet. Addalou suggested one scholarship application so members can apply for more than one scholarship.
Shyra Compton continues to update the roster of current volunteers. At this time, the only names she has not received are those individuals who have volunteered to be Ambassadors. She is following up with Sunshine Garcia for the list.
Shyra would like to provide acknowledgement of all volunteers at the CASFAA conference. We have discussed purchasing a “thank you” item or possibly creating a ribbon for name badges. She does plan to provide all volunteers with a certificate of appreciation. She asked Kara that she solicit ideas from the Council for a “thank you” or recognition item.
A meeting has been created for September 27 to finalize the “gift” and discuss current issues and ideas for furthering CASFAA’s volunteer efforts.
Erika Fierro indicated that one scholarship has been awarded for the September EC meeting, (the “no-show”). Other than that award “all is quiet on the scholarship front.” Kara and her committee are planning to get the CASFAA scholarship information on the web before the end of the month. Based on discussion at the last EC meeting – they are unsure how to proceed with the number and type of awards. Kara reviewed the application information from last year’s CASFAA scholarships and the applicants represented the following areas:
Newcomers – 10 Ethnic Diversity– 9
Segmental – 7 Grad/Prof – 1
Nothing indicated – 3
There were several individuals who applied for multiple scholarships via one application. The breakdown is as follows:
New/ED – 17 New/Seg – 2
New/GP – 2 New/ED/SEG – 6
New/ED/SEG/GP – 4 ED/SEG – 3
SEG/GP – 1
Representation from the segments is as follows:
CSU – 20 Proprietary – 12
Indep – 13 GP – 10
Comm Coll – 8 UC – 1
Based on this information Kara and her committee would like to know if the Council wished to change the mix of awards from the current 10 for Newcomers, 10 for ED and 6 for Segmental (including GP).
Ambassadors
In regards to the Ambassadors, Sunshine Garcia has failed to respond to Kara’s emails/phone calls.
MOTION
Motion was made to increase the number of segmental scholarships from one to two scholarships awarded for each of the segments including the proprietary certification and GP. The conference scholarships will include membership.
APPROVED
Moved by Colleen MacDonald, duly seconded by Sean Smith, and approved by Council.
Newsletter Update (Maureen McRae Levy)
Hurricane Katrina will be the lead article in the next newsletter. Maureen and her committee have sold out all the advertising spaces in the newsletter. Moreover her committee has increased the number of pages to cater to all of the advertising. Maureen is requesting that Scott Telkamp (CASFAA printer) receive an honoree distinction from the association. Maureen will be the newsletter editor for one more year. The caveat to this is that Louise Jones (2006 CASFAA President), find an associate editor that Maureen can train.
Other Issues
Joanne requests that the Council discuss further the issues in regards to CSAC and EDFUND. John shared that he is concerned about the leadership at CSAC. He believes there is a serious problem and CASFAA needs to take some action on it. Addalou suggested that the association develop a letter for the commission voicing the Council’s concerns. Tim emphasized how important it is to attend the Commission meetings.
Colleen suggested that we send out an email to membership asking them how many students they have taken in from the Hurricane Katrina areas. Maureen agreed to take on this request. She will contact the appropriate establishment to obtain this information so she can have it reflected in the newsletter.
TO DO: All Council members and liaisons to complete a year in review report prior to the November transition meetings.
TO DO: Colleen to create an ad-hoc committee on writing a letter to James Sandoval.
MOTION
Motion was made to adjourn the meeting at 12:10 p.m.
APPROVED
Moved by Linda Williams, duly seconded by Louise Jones and approved by Council.
Respectfully Submitted,
Katherine Sharifi
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