[00:00:26]
OH, A CITY GOVERNMENT THAT WOULD MAKE ME DO IT.
ONE OF THE GREATEST PLACES IN THE WORLD TO GUIDE US AND KEEP US STANDING ASIDE, WE ASK IT IN YOUR NAME.
THIS IS A PUBLIC HEARING TO REZONE A 19.8 ACRE TRACT ON BRAY AVENUE FROM OUR 15 RESIDENTIAL TO OUR 10.
UH, WHO'S GOING TO EXPLAIN THAT TO US.
THE TRACK IS LOCATED AS TO THE WEST OF THE EAST OF THE FOREST HILLS COMMUNITY, THAT SHOPPING CENTER
ABOUT 19.8 ACRES CURRENTLY ZONE ARE 15 AND THE APPLICANT IS ASKING TO HAVE A RECENT R T N A, WHICH IS AN
AND THEY RECOMMENDED A DENIAL OF THE REQUEST.
AND I'LL BE, AND STAFF RECOMMENDATION, DAVID, AS TO NOT ALSO, YES, THE AREA OF THE LAND USE PLAN AS RESIDENTIAL AND FORMAT, BUT THERE WERE CONCERNS ABOUT THE HIGHER DENSITY AND THERE HAD A BUILDING WITH THE ADJACENT DEVELOPMENTS.
SINCE IT'S A PUBLIC HEARING, LET ME SAY HOW MANY PEOPLE HERE OR FOUR OF US CHANGING, RAISE YOUR HAND.
HOW MANY, HOW MANY PEOPLE ARE AGAINST A PROBLEM OF THE HEARING AND TELL US WHY GET WHOEVER THE SPOKESMAN IS, OR IF YOU DON'T WANT TO ASK TO
I THOUGHT SAWYER AND MY BROTHER.
YOU DON'T HAVE TO GO THROUGH ALL THE DETAILS.
YOU DON'T FEEL LIKE IN OTHER WORDS, YOU'RE GOING TO TAMPA JUST TO ASK.
WELL, BASICALLY WE FEEL LIKE THE CITY'S TAX CASE.
[00:05:01]
IF WE WERE TO DEVELOPED THE WAY IT'S PRESENTLY, NO, WE CAN'T DEVELOP IT.IT'S NOT ECONOMICALLY FEASIBLE TO DEVELOP THE WAY IT PRESENTLY IS.
UH, AT LEAST WEEKEND VAPOR MAKE ANY MONEY, OR I WOULD DO IT MYSELF.
I COULDN'T EVOLVE IT AND LOSE MONEY.
SO, UH, THAT'S, THAT'S WHY WE ASKED HIM FOR ACTUALLY, WE ASKED HIM FOR A TENANT PASS.
UH, THE ORIGINAL PROPOSAL WAS IN A, BUT, UH, AS A RESULT OF THE PILOT MEETING WITH HIM, HEY, UH, WE WOULD LIKE TO SUBMIT TO HIM.
AND THAT'S WHY WE'RE REALLY ASKING FOR TONIGHT IS THAT ALL VOTE AND THAT'S NOT,
WELL, IF WE HAVE TO GO BACK, YOU'RE GOING TO GO BACK.
WE'RE GOING TO KEEP GOING BACK TO
WE'LL BE A WASTE OF TAXPAYER ALL THROUGH THAT.
WELL, I DON'T KNOW WHETHER IT'S A WASTE TO NOT THE WEEK.
WE LIKE TO TRY TO FOLLOW THE LAW.
IF WE PAINTED, EXCUSE ME, I'VE JUST RECEIVED A HANDOUT.
AND I'M TRYING TO DETERMINE WITH THIS PROMPT, I GUESS IT'S FROM THERE
AND THE NEXT FEW, UH, CAGES HAVE WHAT'S PRESENTLY THERE.
I THINK THERE'S ABOUT THREE PAGES THERE.
YOU SEE THERE'S ALL KINDS OF JUNK CARS AND SO FORTH.
IT'S SMALL, VERY NICE LOOKING AND SO FORTH ON THE LAST PAGE WHILE WE PROPOSED THE LOAN THAT PROPERTY, THE 19.8 ACRES, AND THERE WOULD BE ABOUT, UH, 45 LOTS OF STUFF WITH AN ART 10 WRITING.
WELL, WE PROBABLY HAVE IT WITH ALL THE BILLS, THE OWNER OF THE LAND.
SO DID YOU PROVIDE THE ZONING WITH THIS INFORMATION? IT'S JUST FOR YOUR, I CALL YOUR ATTENTION TO THE LAST PAGE.
THAT'S WHAT YOU WOULD GET IN THE PREVIOUS THREE PAGES IS WHAT YOU'VE GOT.
SO YOU CAN SEE AS A GREAT IMPROVEMENT IN THE CITY OF NEWBURGH.
AND I LIVE AT THE RESOURCES TO DEVELOP AND I DIDN'T PLAN TO GO NATIVE SON.
I DON'T WANT TO SEE ANYTHING IN THIS VIDEO.
IF YOU GUYS DO NOT ACCEPT,
AND THE REASON I ASKED MR. DAVID, THAT QUESTION IS BECAUSE, AND THE SAME QUESTION COMES UP.
WHENEVER OTHER DEVELOPERS COME UP, YOU CAN TELL US WHAT YOU PLAN TO DO.
BUT IF WE ALLOW THAT PARTICULAR ZONE, YOU CAN DO WHATEVER AND AND YOU KNOW, I WOULD THINK THAT IF THERE WAS ANY WAY POSSIBLE THAT IT COULD BE SO AND SOMETHING ELSE JUST FOR HOMES, THAT MIGHT BE A POSSIBILITY, BUT ON A DISTRICT QUEST, IT WOULDN'T WORK.
AND I, AND I HAD TO DEAL TO ALL THE FREE DESK BOARD, UH, MR. MR. FREE, THAT I'LL BE HONEST WITH DOWNLOADS.
I FIRST WOULD THINK THAT IS PROBABLY WHAT WE'VE BEEN DEALING WITH IS THE, UM, THE 10, 8, 10, 8.
AND WE NEED TO GO AHEAD AND VOTE AS TO WHETHER OR NOT WE WOULD ALLOW TODAY.
AND IF YOU HAVE ANOTHER REQUEST, AS YOU SAID, WE NEED TO GO BACK TO THE PLANET.
I DON'T THINK THAT IT'S EVEN NECESSARY FOR US TO DISCUSS THIS
[00:10:04]
AND THE OTHER THING, WHY DID YOU GIVE US THIS ADDITIONAL INFORMATION AND NOT IN THE PLANNING BOARD, IF YOU JUST DEVELOP THAT SYSTEM PLAN FOR ME.SO THIS REALLY DOES NOT MATCH WITH WHAT WE'RE CONSIDERING PLAYING SOMETHING.
THE ONLY DIFFERENCE BETWEEN THE TWO IS THE ONLY NUMBERS WE'RE PROPOSING TO THE NINE OF DNS OR THE FINAL THREE PROPOSED.
BUT WE, WE CAN CONSIDER THIS ANYWAY TONIGHT.
DOES ANYBODY WANT TO MOVE THAT? WE CLOSE ABOVE IT HERE? I DON'T THINK WE NEED TO HEAR FROM THE REST OF YOU.
I THINK WE KNOW WHAT YOUR FEELINGS ARE, UNLESS YOU WANT A SECOND, ANY FURTHER DISCUSSION, ALL IN FAVOR AND DENIED AND SAY, AYE.
NEXT THING WE HAVE Y'ALL WANT TO LEAVE.
I MEAN, I'M NOT YOU BETTER TELL HIM TO HURRY BY THE NIGHT.
YEAH, WE'LL GO AHEAD AND NEGATIVE.
YOU WANT TO COME FORWARD AND GIVE YOUR SEWER UPDATE? GOOD.
THE TREATED A TOTAL OF 87.6 MILLION GALLONS, WHICH AVERAGE 2.8 MILLION GALLONS PER DAY.
UH, THE MAXIMUM DAY WAS 3.1 MILLION GALLON.
TODAY
EFFICIENCY WAS 90% IMPROVED OVER THE LAST COUPLE OF MONTHS.
[00:15:02]
THAT WE NEED TO DO FOR THE QUARTERLY PHOSPHOROUS, WHICH WE ARE IN COMPLIANCE WITH THAT ALSO OPERATIONS ARE FOSTERS TO EVER USE IT AND OPTIMIZE ANY QUESTIONS TO SEEK A SMILE.AND IT MAKES US MY THOUGHT, OKAY, LET'S SEE WHAT WE HAVE NEXT.
PROBABLY HEARING ON THE 96 97 BUDGET AND THEY CONSIDER ADOPTING THE BUDGET ORDINANCE.
HOW DID WE START OUT HERE AND JUST ASK THE PUBLIC IF THEY WANT TO COME FORWARD AND MAKE ANY COMMENT ON IT, I GUESS.
ANYBODY IN THE PUBLIC WANTING TO COME FORWARD AND MAKE ANY COMMENT ON OUR PROPOSED 96, 97 BUDGET.
ALL IN ALL THE DISCUSSION OF WHAT WAS AN APPOINTMENT HERE AND ALL IN FAVOR, SAY I LIVE HERE.
IT'S LIKE, UM, LET ME SEE THEN IF I WANT TO MOVE TO A ADOPT YEAH, I THINK MR. ASTOUNDS NEED TO SPEAK AT THIS TIME HE CAME BY MY OFFICE EARLY ON.
WHAT NOTICE YOU'RE ONE STEP BEHIND THE SEC.
THERE'S BEEN A MOVE IN A SECOND.
WELL, THE ADOPTION OF THIS ORDINANCE HERE DOES NOT APPLY LATER ON IN THIS, UH, SECTION OR IN THE, UH, AGENDAS.
UH, THERE IS A PROJECT BUDGET THAT WILL BE USED TO CONSTRUCT A NEW POLICE STATION, NEW FIRE STATION AND SWIMMING POOL.
THE FUNDING AS YET HAS NOT BEEN DETERMINED THAT STEEL WILL BE SUBJECT TO THE SPORT'S DISCRETION ON HOW WE HAD TO COME UP WITH THE NECESSARY FUNDING.
IT'S PROJECTED THAT THEY'RE GOING TO BE SOME BORROWING DONE, BUT IT HAS NOT PROJECTED WHAT KIND OF ARM AT THIS POINT.
I'LL STILL BELIEVE THAT IN PARTICULAR NOW IN LIGHT OF WHAT HAPPENED,
I'M NOT SAYING WE SHOULD BORROW THE MONEY THROUGH BOND AND UNDERSTAND THAT IF WE GO THROUGH THE BOND PROCESS AND ADD
AND I'M GOING TO GET NO BOND REFERENCE.
PEOPLE TELL ME THAT BOOM, YESTERDAY, POLICE AND YESTERDAY, BUT DON, YOU KNOW, YOU'RE NOT, YOU'RE NOT COMPARING APPLES WITH APPLES.
WHEN YOU TALK ABOUT THAT, YOU FEEL THAT A BOND REFERENDUM WAS NECESSARY IN LIGHT OF WHAT HELL BLOCK DID.
NUMBER ONE HAVE LOT A HAD A SUBSTANTIAL INCREASE IN AVALARA ON TAXES.
THAT'S THE PRINCIPLE REASON WHY THE BOND REFERENDUM FAILED AND HOW BLOCKED AND PEOPLE DIDN'T WANT TO PAY THE CHECKS.
BUT LOOK, WE'RE NOT PROPOSING ANY TYPE OF AD VALOREM TAXES.
EVERY CAPITAL CAPITAL IMPROVEMENT PROJECT THAT'S BEEN PROPOSED IS FOR THE BENEFIT OF THE PEAK.
AND JUST PERSONAL WELFARE SAFETY, FIRST POLICE STATION, FIRE STATION, AND RECREATION.
THESE ARE SOMETHING THAT PEOPLE BENEFIT FROM THESE A THING.
BUT SECONDLY, THE, BUT WE'RE NOT APPROPRIATE.
NO MATTER WE CAN DISCUSS THIS LATER, THEY HAVE TO, THEY HAVE TO COME BACK FOR THE PROBATION.
IS THAT CORRECT? BILL? WE COME BACK FOR THE APPROVAL OF WHATEVER TIME TO FINANCIAL.
[00:20:06]
OKAY.SO WE GOT A MOTION TO APPROVE THE BUDGET A SECOND.
ANY FURTHER DISCUSSION, I THINK MAY HAVE TO CALL ROLL ON THAT.
LET'S DO SOME THINGS TO WORK OUT WITH CAPITAL, ALL THE CRACKS.
NUMBER FIVE, WE HAVE A PUBLIC HEARING AND ADOPT AN ORDINANCE FIRST READING TO CONSIDER CERTIFICATE SOME CONVENIENCE AND NECESSITY TO OPERATE TAXI CAB FRANCHISES AND THE CITY.
WHO'S GOING TO ADDRESS THAT CHIEF ADDRESS THAT, AND THERE IS ONE ISSUE THAT NEEDS TO BE TALKED ABOUT THE FRANCHISES ALL OVER AND SET FOR ONE FRANCHISE.
I'M TRYING TO CONTACT
YOU CAN BRING IT BACK TO THE BOARD FOR APPROVAL, BECAUSE I THINK THAT IF YOU'VE ALREADY GIVEN IT THE INFORMATION, I KNOW THAT THERE WERE OTHER SCHOOL WE'VE BEEN WORKING ON THIS SINCE FIRST YEAR, 30 DAYS, 60, 30, OR 60 OR 90 DAYS.
I THINK I'VE TRIED TO HELP THEM GET BACK ON THE STREETS ON THE PAY, NOT THE PATIENT, BECAUSE I KNOW THE COMPUTER SITUATION.
THEY'RE NOT TRYING TO HELP IT DOESN'T LOOK LIKE IT'S PRIVATE.
AND I THINK THE BULLETS PATIENTS, WHEREVER IT WAS CONFIRMING A LITTLE LEEWAY, I THINK 30 DAYS WOULD BE ON THE MAXIMUM LEVEL, LIKE A WEEK.
SHOULD IT GIVES ME PLENTY OF TIME TO GET THE MATERIAL.
WELL, THAT'S HIS PROBLEM TO HOW TO HAVE A FRANCHISE.
AND SINCE THERE ARE OTHER SCHOOLS INTERESTED IN HAVING THEM, AND IF DIDN'T HAVE SOMEONE WHO IS NOT USING THEM, NO.
HOW DO YOU GO ABOUT THAT ADDRESS A TIME PERIOD OF AN ACTIVITY PERIOD FOR THOSE TIMES.
CAUSE SEEM TO ME THAT IF YOU HAVE THEM, THERE ARE OTHERS WHO MIGHT BE TO SELL THEM TO A DIFFERENT VENDOR TO GIVE THEM BACK.
AND AT THAT TIME HE NO LONGER HAS THE FRANCHISE.
AND THEN YOU CAN GIVE THE FRANCHISE TO WHOMEVER.
THERE'S AN APPLICATION PROCESS TO APPLY FOR THAT
SO YOU'LL MAKE A STRIKE HIS NAME FROM THAT ORDINANCE.
WHENEVER YOU DO MAKE THE ADOPTION, THIS WILL BE THE FIRST LISTEN.
MY ATTORNEY SAYS, THIS IS JUST FOR APPROVAL, NOT ADOPTION.
DOES ANYBODY WANT TO COME FOR THE ADDRESS, THE ISSUE FOR OR AGAINST?
[00:25:08]
YEAH.MARILYN, I MAKE A MOTION THAT WILL DROP THE FIRST READING WITH THE EXCLUSION OF MR. OLDEST TURN.
IT'S OPERATED THREE
AND THE LAST TIME, WHEN YOU HEAR ABOUT CAMP, ONE OF YOUR CAMPS, NUMBER 15, WHO PULLED OUT A AFRICA STREET, NEW STREET AND WENT AROUND THE RAILROAD BARRIERS RIGHT BEHIND THE REAR OF THE TRAIN, PASSED IN FRONT OF MY CAR TO BEAT THE TRAIN.
AND YOU SAID YOU CHECKED ON IT.
I HAVEN'T HEARD A WORD BACK FROM YOU.
AND TO ME THAT INDICATES THAT YOU DON'T HAVE A VERY GOOD OUTLOOK TOWARD PUBLIC SAFETY DRIVING DOWN THE 15 WHO HAD THE GUN WAS FINDING OUT WHO WAS DRIVING AT CAMP THAT NIGHT, BECAUSE HE WAS ACTING IN A TOTALLY ILLEGAL AND TOTALLY IRRESPONSIBLE MANNER.
WELL, HE PULLED IN FRONT OF THE TRAFFIC.
STOP THAT, THAT WAY OVER CROSSING ON GEORGE STREET AND PULL AROUND RAILROAD BARONS AROUND THE REAR OF THAT TRAIN TO GET IN FRONT OF EVERYBODY.
I GAVE HER THE HEADS OF BLACK, MEXICAN
AND HE'S TALL TO NOT GIVE THE INFORMATION, LET IT RIDE.
I'LL TELL YOU WHAT I'M GOING TO BE WATCHING THAT NIGHT.
AND I WOULD LIKE A RESPONSE
WHEN SOMEONE TAKES TO THE PUBLIC SAFETY WITH THAT LITTLE REGARD, WITH TOTAL DISREGARD LIKE THAT, IT'S NOT A MATTER OF HUMOR.
IT BOTHERS ME TO PEOPLE, BUT IT'S NOT AN ITEM FOR Q4 FOR ME.
WHEN THE CAB DRIVERS DRIVE BACK RESPONSIBLY AND GO AROUND FLASHING GATES THAT CLOSE TO THE REAR OF TRAINING.
JUST TO TRY TO JUMP TRACK, WE HAVE A MOTION TO SECOND.
WE'VE HAD DISCUSSION THAT'S TO CLOSE BLIP HERE.
RIGHT? ALL IN FAVOR OF CLOSING THE HEARING, SAY, MAYOR, I'VE GOT ONE QUESTION BEFORE WE ON THE SECOND ITEM WHERE IT SAYS MS. MARY DOWNS TEXTS HAD BEEN ON OPERA FOR A YEAR.
IF SHE DOESN'T RENEW THE DMV REGISTRATION, WHERE SHE LOSES HER FRANCHISE ALSO.
AND I'LL READ THE ASSET QUICK.
CAUSE WE WERE TALKING ABOUT PEOPLE LOSING THEIR FRANCHISE WITH THIS.
WHY DO WE NEED TO DO NOW TO MAKE A MOTION TO APPROVE IT? SO MOVE PERFECT.
BUT AS FAR AS TIME, WE HAVE A MOTION TO APPROVE IT.
WE GOT A SECOND, ANY FURTHER DISCUSSION.
DO WE NEED A ROLL CALL? LET'S CALL IT A ROLL.
BY THE WAY, I WENT TO NEW YORK AND SOMEBODY,
[00:30:01]
YOU KNOW, LAST MONTH, FIRST TIME SINCE I WAS 15 AND I FOUND OUT A LOT ABOUT TAXES, ONE OF THE THINGS I FOUND OUT THAT YOU HAD TOLD ME THAT A FRANCHISE THERE WAS $165,000 PER TAX AND THEY DIDN'T GIVE ME ANY IDEAS.I DON'T CARRY ANY OF THE LOCAL TAXI FRANCHISEES, BUT I WILL SAY ONE THING IF THEY EVER, I ASKED THE GUY DRIVING OUR TAXI 80 EVER CONSIDERED NASCAR, EVEN KNOW EXACTLY WHAT I WAS TALKING ABOUT, BUT HE'D BE ABLE TO GET OUT OF THE TAXI BUSINESS.
I KNOW WHERE HE COULD GET A JOB.
WELL, THAT WAS A, I AM
THE NEXT THING IS THE PUBLIC HERE AT GREEN ZONE.
NEXT THING IS A CONCERN OF DOING ANYTHING ELSE.
WE'VE DONE CONSENT AGENDA ITEM SEVEN SAC.
WE HAVE A MOTION AND A SECOND YOU CAN CALL ROLL NIGHT.
NOW FOR THE DISCUSSION ON NUMBER SEVEN.
ANYBODY TO MAKE ANY COMMENT ON THAT? MY QUESTION IS THE ISLAND ALLMAND RIGHT ABOUT IT WAS THAT COMING INTO SYDNEY, WHICH IS SPEAKING OF MR. STALINS SPEAKING.
NOT QUITE BUT IF WE, IF WE APPROVED THIS, WE'RE NOT THE ONLY WAY.
THE ONLY THING THAT THIS DOES IS SETS UP THE MECHANISM TO DO THESE PROJECTS.
IT'S JUST NOT SET UP THE MECHANISM TO GET THE MONEY AND YOU ALL HAVE TO APPROVE ANY OF THOSE MECHANISMS. SO THAT COULD BE DONE THROUGH A DIRECT APPROPRIATION, OR IT COULD BE FINANCED.
IT COULD EITHER BE FINANCED THROUGH BONDS OR THROUGH AN INSTALLMENT PURCHASE OR SOME COMBINATION.
AND THAT WOULD BE THIS BOARD DECISION
WE ADOPT A NEW PRODUCT, BUT ORDINANCE ANY FURTHER DISCUSSION WITH THAT? WHOOPS.
LAST THING WE HAD WAS APPOINTMENTS.
NO, NO SIR, NO, NO, MISS
UM, THIS SPONSORING PARTNERS PROGRAM NATIONWIDE, THERE WERE 20 CITIES IN NORTH CAROLINA THAT ASSIGNED.
[00:35:01]
BASICALLY WHAT IT DOES IS IT SAYS THAT YOU'LL MAKE EFFORTS TO TRY TO REACH THE NATIONAL HOUSING BILL AND INCREASING ON THE OTHER SHIP, 67 AND A HALF PERCENT OF THE CENTURY.THEY ARE HAVING A CEREMONY, UH, JULY THE SECOND IN GREENVILLE.
AND THEY ASKED THE CITIES OF WILL WASHINGTON.
AND YOU WERE TO ATTEND THIS CEREMONY AND FOR THE MAYORS OF THE RESPECTED COMMUNITIES TO, UH, SIGN A RESOLUTION, SUPPORTING THE NATIONAL SHIP STRATEGY, UH, THERE'LL BE AREA MANAGER FROM HOODIE, GREENSBORO, AND ALSO THE REGIONAL MANAGER FOR SOUTHEAST, FROM AT NIGHT, UH, AGGRAVATING, UH, THE WAY WE GOT, UH, THROWN INTO CONSIDERATION TO REQUEST, UH, AND, UM, WASHINGTON, UH, I UNDERSTAND IT HAS SOMETHING TO DO WITH THE CITY'S EFFORTS ON THE THREE PARK TERRACE, UH, PROJECT.
AND, UM, WHAT WE WOULD LIKE TO DO IS, UH, IF THE BOARD WOULD AUTHORIZE THE MAYOR AT THE MEETING ON JULY 2ND, UM, TO SIGN THIS RESOLUTION STATING THAT WE WILL PARTICIPATE IN THE, UH, PARTNERSHIP, TRY TO INCREASE, UH, WHERE POSSIBLE ON OWNERSHIP, THE PERCENTAGE OF OWNERSHIP, HOW WOULD WE DO THAT? UM, THERE ARE VARIOUS WAYS OF DOING IT.
UH, ONE IS THROUGH OUR COOPERATION WITH OTHER COMMUNITY DEVELOPMENT CORPORATIONS, UH, THROUGH THE WORK OF THE NEUSE RIVER COMMUNITY DEVELOPMENT CORPORATION THAT, UH, UH, THIS SOMEPLACE THREE OR FOUR, THE NUMBERS BOB, UH, YOU GIVE STATS FOR, TO THE ORGANIZATION.
UH, AS FAR AS OUR STAFF AND HOUSING INSPECTIONS, UH, WE HAVE A FAIR HOUSING POLICY THAT SAYS, UH, CITY IMPLEMENTS.
UM, AND, UM, WE'VE ALSO DONE THINGS IN OUR LAND USE ORDINANCE TO TRY TO LOWER COSTS OF SOME LAND DEVELOPMENT ACTIVITIES FOR LITTLE HOUSING, MORE POSSIBLE, AND ALSO TO SUPPORT PROGRAMS IN EDUCATION AND COUNSELING.
UH, FOR FIRST TIME HOME BUYERS.
AND FIRST I'VE KNOWN ABOUT IT.
HASN'T BEEN AN ISSUE, UH, THAT THIS BOARD AND CITY MANAGER HAS, UH, SUPPORTED IN THE PAST.
UH, YOU COULD, UH,
SO PART OF THE DISCUSSION, THINK OF BULLETS, COLORADO, MAN, I'LL GET IT RIGHT AFTER A WHILE.
UM, ON THE WAS CALLED ON THE LINE, THEIR REQUEST FOR THIS LAST COUPLE OF YEARS, MOVING THE LOCATION A LITTLE BIT, THEY'RE REQUESTING TO CLOSE CEDAR STREET, THE TRAFFIC
UH, WE GOT PASSED OFF THE CHIEF.
UH, WE DON'T HAVE A PROBLEM WITH, IS THAT A WHOLE ALL IN FAVOR? SAY YES, STAND UP.
[00:40:02]
UH, I THINK MOST OF YOU, IF YOU TALK TO THE CITY MANAGER OR THE KNOWLEDGE TONIGHT, UH, WE HAVE FOR YOU TONIGHT RECOMMENDED RECOMMENDATIONS WILL BE INSURANCE COVERAGE FOR THE CITY TO DEAL WITH THE GENERAL LIABILITY PROPERTY, THE OFFICIAL UNITED, AND WE'RE HAVING TO DO SOMETHING TO NOT THIS THAT'S NOT NECESSARILY EASY FOR US AND BY NO MEANS ANYTHING.WE'RE ASKING THE BOARD TO DO THE PLEDGE ON ANY SERVICE THAT WE HAD IN THE AREA.
UH, THE INSURANCE
THEY'RE MORE THAN WILLING TO WORK WITH US.
WE'VE GOT ANOTHER LADY WHO WORKS WITH US.
AND, UH, AS YOU KNOW, LAST YEAR WE, WE DID THE, UH, INSURANCE PACKAGE OUT AND BASICALLY HAD TO BE AS ONE OF THE LOCAL INSURANCE AGENTS THAT WILL BE REPRESENTED TONIGHT.
AND ALSO, UH, THE GROUP, THE LADY MUNICIPALITIES RISK MANAGEMENT SERVICES.
AND IN LIVING IN THOSE DAYS LAST YEAR, THERE WAS, I THINK ABOUT $76 DIFFERENCE IN TOTAL PREMIUMS AND COSTS WITH ALL THE CAVEATS THAT THE LEAGUE COULD
SO WE SOFT A QUOTE FROM THE LEAD.
AND THIS YEAR, WHEN YOU TAKE INTO CONSIDERATION THE LEASE OFFER OR THE LEASE QUOTE, THE LOW-LATENCY QUOTE, ALONG WITH THE WORKER'S COMP SEVERAL YEARS, UH, WE HAD A SUBSTANTIAL SAY IT.
SHE SAID, EVEN TO THE TUNE OF ABOUT $33,000, WORKERS' COMP, IT HAS BEEN WITH THE LEAGUE, HOW MANY YEARS, AT LEAST
AND THEY OFFERED DISCOUNTS IN THE PAST TO, TO, UH, SIGN THE, THE GL WITH THEM, BUT, BUT NEVER HAD A BENNETT WOULD COMPETE WITH THE, WITH THE RATES.
THE LETTER LATER THIS YEAR KNOW THAT THEY OFFER US EXTRA BENEFITS.
WE FEEL, UH, IN, ESPECIALLY AT ONE LINE WE'RE FACING LIKE NOW ISSUES THAT WE FACE EVERYDAY MATTERS OR SUITS OR CONCERNS OF THE CITY.
UH, THEY CAME UP FRONT WITH A VERY SUBSTANTIAL REDUCTION IN COST.
AND IF YOU'LL READ THROUGH THIS SAME SIDE STATEMENTS OF ALL AND GET IT TO YOU, WE THOUGHT WE'D JUST GET THE NUMBERS.
AND WE'RE STILL WORKING THROUGH THOSE, UH, THIS, THIS WITHOUT ACTUALLY TRYING TO ABOUT 65.
SO WE'VE GOT THE NUMBERS WERE SUCH THAT WE COULD ADJUST THE DEBT TO THEM.
AGAIN, WE HAD THE PROBLEM WITH,
WE DON'T HAVE A REAL SIGNIFICANT DIFFERENCE IN THOUSANDS.
THEY HAVE SOMETHING TO SAY ABOUT FOLKS IN THE AUDIENCE, READ IT.
I AM NOT AN INSURANCE FOOD WALK.
WE LOOK AT, UH, WE'VE BEEN VERY COMFORTABLE WHILE THEY'RE RIDING WITH US AND WE'RE SAYING THE CITY, BUT YOU SAY IN YOUR LETTER, YOU INDICATED THAT IN ALL FAIRNESS TO BE LOCALLY
[00:45:01]
UNSURE OF LOCAL AGENTS AROUND, THEY WEREN'T, THEY DIDN'T HAVE A REQUEST FOR THE WORKERS' COMPENSATION COVERAGE.IS THAT CORRECT? IT WASN'T SOME LISTENING WHEN YOU COMPARE IT TO, IF WE DO NOT HAVE A QUOTE FROM, WELL, YOU KNOW, YOU KNOW, IN ALL FAIRNESS TO EVERYONE, YOU HAVE A STEAL OUT OF FAIRNESS AND THE LOCAL AGENTS.
I THINK WE NEED TO CONTINUE COVERAGE WITH THEM AND PERHAPS RECONSIDER IT NEXT YEAR AND GIVE THEM THE OPTION TO, TO BE IT, UH, WITH THE INCLUSION ABOUT WORKERS' COMPENSATION INSURANCE.
AND THE REASON THAT THIS HERE WE GOT GOODWILL HERE IS CONVENIENT DEALING WITH THESE FOLKS BECAUSE THEY'RE IN CLOSE PROXIMITY TO THE CITY.
AND I UNDERSTAND THAT YOU ALL SOMETIMES HAVE TO ACTUALLY GO DOWN AND SIT IN THEIR OFFICES.
AND I'M SURE THE LEAD HAD HAD GOOD COVERAGE, BUT WE'RE TALKING ABOUT LESS FAILURE.
AND I THINK THAT WE ALL, OUR LOCAL BUSINESSES HAVE THE SAME ADVANTAGES AND OPTIONS, THE SAME, WE ALL DONE WHAT WE, WE OWN THEM, THE SAME OPPORTUNITIES THAT WE HOLD THE LEAD.
AND MY THEORY IS, IF IT AIN'T BROKE, DON'T FIX IT.
AND WE WERE TALKING ABOUT WANTING TO NEW TERRITORY.
WE KNEW WHAT WE GOT NOW, BUT WE NEED TO EXPLORE THIS MORE.
I MEAN, YOU DID A GOOD JOB MAKING THESE COMPARISONS, BUT DON'T WANT TO CHANGE NOW KNOWING THAT I DIDN'T GIVE MY LOCAL FOLKS THE OPPORTUNITY TO REALLY BE AN, LET ME JUST INTERJECT SOMETHING HERE ALSO.
AND I KNOW THAT OUR LOCAL DEALERS ARE OUT HERE AND THEY CAN SPEAK FOR THEMSELVES, BUT OVER THE LAST THREE YEARS, OVER THE LAST TWO YEARS, ESPECIALLY WHENEVER WE HAVE, UH, HAD A LAWSUIT FILED AGAINST THE CITY AND WE SENT IT, I'M NOT COMPLAINING ABOUT OUR INSURERS OR OUR DEALERS.
I MEAN, COMPLAINING ABOUT OUR CARRIERS, NOT, NOT OUR LOCAL LAKES OVER THE LAST TWO YEARS WHEN WE'VE HAD LAWSUITS FILED WITH THE CITY, UH, WE SEND THAT OFF TO OUR INSURANCE CARRIER AUTOMATICALLY.
WE GET A LETTER OF RESERVATION BACK FROM THAT INSURANCE CARRIER THAT TELLS US, UH, WE, WE THINK YOU MAY NOT BE COVERED UNDER THIS CLAIM, BUT WE'RE WILLING TO DEFEND YOU UNDER THIS.
AND I TAKE IT, BUT WE WANT YOU TO KNOW WE'RE RESERVING OUR RIGHTS TO BACK OUT OF THIS CLAIM, IF SOMETHING HAPPENS.
AND NOW THE RIDING HAS STARTED GOING TO THE EXTENT THAT, UH, WE WON'T COVER YOU FOR LOST WAGES.
WE WON'T COVER YOU FOR ATTORNEY'S FEES.
UH, THEY WON'T WRITE THAT IF THEY DO RIGHT, THEY WRITE IT FOR A MUCH, MUCH MORE EXPERIENCED.
THE LEAGUE IS VERY CLEAR ABOUT WHAT THEY'RE DOING ALREADY THIS YEAR.
WE'VE HAD ONE EXPENSE THAT HAS COST US A TREMENDOUS AMOUNT OF MONEY YES.
BECAUSE OF THE LOST WAGES ISSUE AND THAT, AND THE POTENTIAL FOR LOSS IN THE LAST WEEK.
AND THE ATTORNEY FEES ISSUE IS UNLIMITED.
IT'S UP IN THE HUNDREDS OF THOUSANDS OF DOLLARS AND, UH, FOR THE EXTRA COVERAGE THAT WE WOULD GET WITH THE COVERING OF THE ATTORNEY FEES AND THE LOST WAGES, THAT'S ONE OF THE BENEFITS THAT WE WOULD GET FROM THE LEAKS THING.
I THINK YOU NEED TO REALLY CAREFULLY CONSIDER TURNING DOWN, NOT JUST THE SAME AS THE 30,000 TO 60,000, IF WE WERE TO GET THE DIVIDEND, THEY USUALLY GIVE.
BUT IN ADDITION TO THAT, IT COULD BE A TREMENDOUS AMOUNT OF MONEY MORE, AND MAYBE OUR LOCAL AGENTS CAN COME UP HERE NOW AND SAY THAT THEY CAN COVER THAT.
BUT WHAT THEY'VE BEEN TELLING US IS THAT THE INSURANCE COMPANIES WOULDN'T LIE.
AND SO I JUST WANT YOU TO CONSIDER THAT POINT ALSO AS YOU MAKE YOUR DELIBERATIONS.
THE MAYOR MAYOR, OH, I KNOW WE NEED TO HEAR FROM HIM, BUT LET ME ASK YOU THIS.
WHEN, WHEN, WHEN DOES THE DECISION HAVE TO BE MADE? AND THE REASON I ASKED THAT IS BECAUSE HERE WE ARE HERE TO MAKE A BIG DECISION ON ELIMINATING A NEIGHBOR AND GOING UP THE ROUTE AT THE SAME TIME.
UH, I WOULD HATE TO HAVE TO MAKE A DECISION TONIGHT AND JUST RECEIVING THIS NEEDS TO DIGEST IT.
AND AT THE SAME TIME, THE CITY MANAGER, GIVE ME GIVING ME SOME INFORMATION THAT CAN INFLUENCE, UH, SAY WHAT WILL INFLUENCE IT WILL INFLUENCE IT.
THEN MY THING, I DON'T THINK THERE IS GOING TO BE A WAY I COULD POSSIBLY FEEL COMFORTABLE VOTING ON THIS TONIGHT.
THAT'S WHAT WE'RE LOOKING FOR.
OR CAN WE HAVE WHERE WE SIT AND TALK, THROW THIS AROUND THE TABLE AND GET COMFORTABLE AND REALLY LISTENED TO IT.
I GUESS I SAID, DAMN, JUNE 30TH,
[00:50:01]
AT 12 MIDNIGHT, WE HAVE TO HAVE A WORD WITH THESE BOOKS NOW, WHETHER THEY WEREWE ARE GOING TO MAKE A DECISION THAT HAS TO BE MADE AND IN PLACE BY JUNE 30TH, THE DATE IS JUNE THE 22ND.
IT HAS BEEN PLACED BY SUNDAY AND I'M NOT COMFORTABLE KNOWING THIS
AND THIS HAS BEEN GOING INTO WORKS OVER THE LAST YEAR, TRYING TO GET INFORMATION.
IT'S JUST THE INFORMATION DOESN'T COME UNTIL THE EVENING.
IT'S HARD TO GET THOSE NUMBERS.
YOU KNOW, ALL I'M SAYING IS YOU CAN DO WHATEVER YOU FEEL LIKE THEY, THE REASON I DID THAT, IS THAT SOMETHING THAT COULD POSSIBLY BE DONE BEFORE NINE AND SUNDAY? WELL, I WOULDN'T WORRY ABOUT WORKMAN'S COMP.
LET'S DEAL WITH, YOU KNOW, FOR YEARS, YEARS AND YEARS WE'D LOOK THE SAME.
AND ALWAYS, YOU KNOW, THIS LOCAL AGENCY AS, AS, AS, UH, THE LEAGUE HAS NOT BEEN,
UH, BUT EVERY YEAR IS GETTING BETTER AND BETTER.
AND THIS YEAR, UH, TO ME, $34,000, AND I KNOW THAT'S, UH, BEYOND THAT THERE'S 60,000 BEYOND THAT EVERYTHING, THE MANAGER TALKING ABOUT THAT I THINK TO BE CONSIDERED.
AND I KNOW IT'S HARD, IT'S A HARD DECISION TO MAKE
I WOULDN'T KNOW WHAT TO SAY AT THE TIME YOU ASKED HIM TO COME UP FROM ME AND IF THEY HAVE A PRESENTATION THAT THEY USUALLY LISTEN A GOOD PRESENTATION, BUT I THOUGHT IT WAS UNFAIR FOR YOU TO ASK US TO MAKE A DECISION THAT ON MISCELLANEOUS TONIGHT.
I THINK THAT IT'S IMPORTANT ENOUGH IF WE NEED A SPECIAL MEETING, JUST TO TALK ABOUT INSURANCE THAT HAVE LOCAL CARRIERS TO MAKE A PRESENTATION, BUT TO GIVE US THIS KIND OF INFORMATION THAT AFFECTS US SO MUCH AND MISCELLANEOUS EXAMPLE, WE HAVEN'T HAD AN OPPORTUNITY TO READ IT AND COMPARE, CONSIDER ALL THE ADVANTAGES AND DISADVANTAGES WOULD BE JUST NOT VERY PRACTICAL FOR US TO JUST SIT AND DECIDE FOR THEM THAT IF YOU HAVE SOME POINTS THAT BE BROUGHT OUT AND SOMEONE HAS SOMETHING THAT THEY'D LIKE TO SAY TO US, AND, YOU KNOW, I COULD SEE US RECEIVING THAT.
BUT, YOU KNOW, TO BE HONEST, AS FAR AS I'M CONCERNED, I WOULD BE MORE PARTIAL TOWARDS LOCAL, UM, AGENCIES OF PEOPLE LOCALLY.
YOU SEE THE FUNDS THAT WE HAVE IT ALL THE TIME CONCERN.
LIKE IF THEY, YOU KNOW, THEIR PRODUCT COSTS A WHOLE LOT MORE MONEY THAN ANYBODY ELSE, IT WOULD BE PRACTICAL BECAUSE WE WANT TO SAY PLAY, BUT IT'S NOT FAIR TO AT THE END OF THE AGENDA, PASS OUT SOMETHING AS IMPORTANT AS THIS.
I THINK
TELL THAT WE DON'T NEED TO POSSIBLY RESPOND.
IT'S JUST WHAT YOU ASKED YOUR DUSTIN.
YOU'RE ASKING US TO DO THAT BECAUSE YOU'RE ASKING US TO ABSORB THIS WITHOUT GIVING IT A WHOLE LOT OF CONSIDERATION THAT AT LEAST IS A STUDY AND YOU'RE COMFORTABLE.
SO I'M SAYING THAT MAYBE, YOU KNOW, WE COULD WORK OUT SOMETHING IN JANUARY.
I'M NOT GOING TO STOP UNTIL I FINISH
[00:55:02]
TONIGHT.AND SOMETHING THAT IT JUST LIKE IT WAS INTO LESS FLAP AND SIMULATION.
AND THEN WE COULD CONSIDER WHAT HAPPENS ON JUNE THE 30TH.
AND IF WE CAN HAVE A MEETING AND I RECALL ONCE BEFORE WE HAD THIS KIND OF SITUATION AND WE DID SIT DOWN AND TALK WITH, UM, OUR LOCAL CARRIERS AND WE TALKED WITH THE FIRM, THE BIG DECISION, I WOULD SUGGEST THAT WE, NOW, IF YOU HAVE, YOU KNOW, IF YOU WANTED THEM TO TALK TO HIM ABOUT, I DUNNO, SOME DISHES IN THE MEETING, I PRESENTED THIS INVITATION THAT WE HAD, I HAVE RECOMMENDED I'VE WORKED WITH, WITH WHAT WE HAVE THAT THIS YEAR, UH, AS A DECISION THAT THE BOARD, AND BASICALLY, WELL, LET ME NOT, LET ME ASK YOU A COUPLE OF QUESTIONS HERE.
NUMBER ONE, IS IT ABSOLUTELY TRUE THAT WE'VE GOT TO DO SOMETHING BEFORE JUNE THE 30TH? IN OTHER WORDS, YOUR INSURANCE, KATHY COULDN'T GIVE US A 30 DAY RIDER OR TWO WEEKS OR WHATEVER WE GOT TO DROP.
WE GOT TO DO SOMETHING BY THE 30TH.
IS IT TRUE? THAT IS THE MANAGER WAS TALKING ABOUT THAT THE INSURANCE COMPANIES THAT YOU ALL REPRESENT WILL NOT COVER LOST WAGES AND THOSE TYPES OF THINGS, THE ATTORNEY FEE, I MAY NEED TO CLARIFY.
HE WOULD, I'D LIKE YOU TO COME HOME AND AT LEAST GET SOME OF THE BASIC I NEED TO KNOW ABOUT MR.
I APPLIED FOR THE CHARTER HOUSE, WHICH IS A WHOLESALE BROKER WHO SPECIALIZE IN
UH, THE QUESTION, AS I UNDERSTAND, IT WAS NOT MY PROBLEM WITH THIS UNTIL ABOUT A MONTH AGO.
THE QUESTION IS ON
IF YOU WERE OPERATING PLAN FROM YOU COMBINE, IT WAS NOT LIABLE LAST YEAR FROM THE LEAGUE.
IF YOU HAD THE COVERAGE WITH THEM LAST YEAR OR YEAR BEFORE LAST YEAR, BEFORE THAT, AND HAD THE SAME SITUATION THAT YOU NOW HAVE, THIS ISSUE WAS COVERED LAST YEAR, WOULD YOU CONSULT? IN FACT, THIS IS NOT LIKE LOST WAGES ARE NOT COVERED.
I CAN GIVE YOU A PHILOSOPHICAL REASON WHILE ALSO NOT.
IF YOU HAVE AN INSURANCE COVERAGE THAT PAYS YOUR DEFENSE COST AND THE PRACTICE SITUATION, IT THEN COVERS YOUR LOST WAGES.
THEN TO PUNITIVE DAMAGES THAT MIGHT BE AWARD ABOUT FOUR.
IT DID COVER PLAINTIFF'S ATTORNEY
AND HE WAS JUST WRONG AND SUED, BUT IT ALSO MEANS THAT WE HAVE, WE HAVE INSURANCE IN THIS BUT IN SERVING AS POSSIBILITY YOU HAVE WHAT WE IN THE INSURANCE INDUSTRY, UH, YOU CAN HEAR THE SCRAMBLE AROUND AND FIND YOUR BODY BOLTED WITHOUT CONSEQUENCE, BECAUSE IF THEY SEE YOU, IT DOESN'T MEAN THAT THIS IS THE REASON THAT LAST RELATIONSHIPS HAVE NOT BEEN A PART
[01:00:01]
OF THE INSURANCE IN THE COMMERCIAL WHO ARE NOW WHITING LOST WAGES.ALSO
SO THAT STILL GIVES YOU AN INTEREST IN WHAT HAPPENED SO THAT YOU JUST CAN'T GO OUT AND GET LITTLE PEOPLE FOR FUN, OR JUST BECAUSE YOU DON'T LIKE, OR DON'T LIKE WEAR THE DRESS OR WHATEVER.
THIS IS WHAT THE EXCLUSIVE THAT EXCLUSION, AS I SAID, THROUGHOUT HINGE, VERY TOM JUST STARTED TO GET TO THE RENOVATION.
THERE ARE REASONS THAT YOU SEND OUT REVELATION WHITESBURG, UM, I'LL THINK THE CARE THAT YOU ARE REFERRING TO THEM AND THAT WE HAD THE COVERAGE WITH US UNTIL LAST JULY, UH, PROBABLY WERE A LITTLE QUICKER, A LITTLE HARDER WHERE THEIR RESERVATION LIKES LETTERS.
AND A LOT OF THE CARRIERS THERE ARE WHAT I WOULD CALL USER-FRIENDLY RENOVATIONS.
FIRST AND FOREMOST, TO SERVE YOU THE POLICY.
IT GOES OUT TO RESERVE ANY RIGHTS THAT YOU MAY HAVE AS A POLICY HOLDER TO PROTECT YOU FROM PAYING SOME LOSSES THAT YOU MIGHT HAVE TO PAY AN ABSENCE OF WATCH, THEY HAVE TO EXERCISE, BUT IT ALSO GOES AFTER WE EXPLAINED TO YOU SHUT THAT HE IS RESERVING THEIR RIGHTS OUT OF THE BOX.
AND THAT'S ALL THE EXPLANATION IS THAT, AS I SAID, SOME OF THEM ARE GOING TO USE YOUR FRIEND IN ANOTHER.
WE CAN GO INTO RIGHT EXTEND, RIGHT TO WORK WITH THE EXISTING CARRIER METHYLATION LIKES THAT ARE A LITTLE MORE USER FRIENDLY, A LITTLE MORE EXPLANATION GOING INTO THEM SO THAT YOU CAN UNDERSTAND WHAT IS BEING SAID IN THE HOUSE.
WHAT WAS THAT PURPOSE? WELL, THERE'S STILL SEVERAL THINGS THAT ARE OUTSTANDING AND, UH, A LOT OF RESERVATION OF RIGHTS IN THERE, BUT I WILL SAY THIS I'VE BEEN A CITY MANAGER OR A COUNTY MANAGER FOR 23 YEARS.
AND I HAVE SEEN MORE RESERVATION OF RIGHTS LETTERS IN THE LAST 12 MONTHS THAN I'VE SEEN IN THE 22 YEARS PRIOR TO THAT, FROM WHATEVER COMPANY THAT IT IS THAT YOU'VE GOT HER, OR HOWEVER, IT GOES SO FAR.
SO FAR, THEY HAVEN'T, THEY JUST RESERVED THEIR LIFE.
WELL, WE HAVEN'T HAD PAIN AND WHEN WE HAVEN'T BEEN PREJUDICE AROUND MATERIAL YET, BUT IT COULD HAPPEN THIS CORRECT.
IF I MIGHT COMMENT THE LAST ONE WAS
THEY ARE FAR MORE COMPETENT THAN OTHERS.
MORE CONTROVERSIAL PAPER COVERAGE, FAR MORE OFTEN, YOU'RE GOING TO YOUR WAY, LAW ENFORCEMENT CLAIM.
YOU DON'T HAVE, THE COUNTY HAS A JAIL WITH JAIL PRISON.
I MAY RAISE MY, I ASKED THE QUESTION AND I STILL DON'T KIND OF, I UNDERSTAND IS MY UNDERSTANDING WAS THE CITY MANAGER SAID THAT THE LEAVES INSURANCE WOULD COVER LOST WAGES AND THESE TYPES OF THINGS, IS THAT CORRECT? AND MY QUESTION WAS, WOULD YOUR INSURANCE COVER IT? YES OR NO? NOT UNLESS YOU PICK UP TRYING TO FIND WHAT IT IS THAT WE'RE SPENDING MONEY OR NOT.
WE'RE GOING TO
SO LOST WAGES, OR IF WE SELL DAY LOST WAGES IS NOT AN ISSUE.
OR IF WE SETTLE THE LOST WAGES IS AN ISSUE WITH YOUR ADJUSTMENT.
TELL ME IT IS, I CAN, I'LL GIVE YOU THE SPECIFICS AFTER THIS WEEK.
I WOULD LIKE TO SEE THAT AS FAR AS THE GAME, THIS IS WHAT YOU'RE TELLING ME.
[01:05:01]
AND I WOULD LIKE TO SEE IN A SELL SITUATION AND I'VE BEEN THROUGH IT BECAUSEBUT IF YOU DON'T WALK DEBATABLE, THEY CANNOT, THEY CANNOT FORCE YOU TO WHATEVER THE DEDUCTIBLE IS.
THEY MAKE AN OFFER TO SETTLE THE CLAIM.
AND SO WE'D LIKE TO DISPLAY IT TO THIS EXTENT, BUT YOU DON'T HAVE TO DO IT.
WELL, WE DON'T HAVE TO TELL HIM WE DON'T HAVE TO PAY 5,000 A DUCK WHERE WE CAN, WE CAN GO RIGHT ON WITH IT.
WE JUST HAVE TO PAY ANYTHING ON THE SEVENTH OF THAT.
I'M NOT SURE WE DON'T HAVE TO ACCEPT YOURSELF.
WE CAN GO ON WITH YOUR, JUST YOUR, YOU JUST MAKE YOURSELF IMMUNE TO WHATEVER YOU OFFER.
SO DID I HEAR YOU, YOUR MAIN INSURANCE? THAT'S GREAT.
DID I HEAR YOU SAY EARLIER THAT LOST WAGE COVERAGE IS AVAILABLE, BUT YOU HAVE TO PAY AN ADDITIONAL PREMIUM FOR THAT? YEAH,
UH, AND GENERALLY SPEAKING, GENERALLY SPEAKING, YOU DON'T NEED HIS LAUNDRY.
YOU SHOULD NOT NEED, BUT WHAT IF, WHAT IF A DEPARTMENT HEAD DOES MAKE SOME DECISION IN GOOD FAITH, BUT JUST BY HAPPENSTANCE CHANCE, GO TO COURT, THEY GET HIT WITH LOST WAGES, BUT THE SUPERVISOR WAS REALLY OPERATING IN GOOD FAITH, TRY NOT MALICIOUS WILLFULLY, BUT TRYING TO DO THE RIGHT THING.
WHAT HE THOUGHT WAS IN THE BEST INTEREST OF THE CITY, THEN, UH, WOULDN'T IT BE A PROFIT TO PAY, I GUESS WOULDN'T BE PROPER TO PAY OFF LADIES UP IN THOSE CIRCUMSTANCES.
WELL, ACTUALLY I'M THINKING OUT LOUD BECAUSE I COULD SEE THAT HAPPENING.
I MEAN, I CAN SEE ALSO A DEPARTMENT HEAD ACTING IN BAD FAITH, ACTIVE MOUSE, LOOKING FOR A MOUSE, BUT ALSO CAN SEE A PERSON TRYING TO DO THE RIGHT THING OR WHAT THEY THOUGHT WAS RIGHT THEN SOMEONE AGENCY OR OTHER JUDICIAL ENTITY IN THE CASE.
WELL, THIS IS, THIS IS IN BAD FAITH OR WHATEVER.
AND YOU'VE GOT TO PAY BOTH WAYS.
WELL, THERE'S,
HOW OUR ASSOCIATION IS MADE UP THOSE DOWNS AND THOMAS JEFFERSON INSURANCE, INSURANCE INSURANCE, THE ASSOCIATION WAS STARTED 45 YEARS AGO, NOT 25 YEARS AGO.
WE COLLECT THE COMMUNITY COLLEGE, THE AIRPORT CHAMBER OF COMMERCE ON A NORMAL BASIS.
THE PROPERTY CASH EVERY THREE YEARS, THERE IS A REASON FOR THAT IN THE PAST AND HAS BEEN VEHICLE OFTEN THAN EVER FOR YEARS.
[01:10:01]
SOMETIMES WE HAVE TO GET SOME MARKET CONDITIONS.WE'VE BEEN HERE FOR THREE YEARS.
AND YOURSELF TOLD YOU LAST YEAR THAT YOU HAD WORN OUT WHILE SHE WAS TRYING TO KILL YOU.
THERE IS A VIEWPOINT ERROR HERE, AND YOU HAVE COMPANY, A COMPANY B TO C THAT TAKES A LOOK DOWN THERE.
YOU GET THE BEST SHOT TO GET BACK IN BUSINESS.
SO THE GENERAL MOOD THAT WE HAVE COMMITTED INSIDE OF OUR SUBSIDIARIES, WE REVIEW THE WRITTEN, THE CHARACTERS THAT ARE NEEDED.
AND WE ASSIGN MARKS BASED ON WHO WE REPRESENT.
I REPRESENT SOME DOUBLES THAT DANNY DOES SOMETIMES THAT I DON'T, AND IT WORKS THAT WAY.
SO WE ASSIGN THE MARKETS AND WE GET THE VERY BEST PRICING.
AND WHEN WE COME BACK AND WE REVIEWED AND REVIEW THE PROCESS AND THEY THEN MY RECOMMENDATION.
SO
NOW, WHAT DO WE DO? WE DO A LOT OF, UH, JUST RIGHT HERE IN TWO.
I MAY ENSURE THIS THIS AFTERNOON, UH, I ASKED THE SECRETARY INDEX CARDS AND TELL THEM THAT
WE ARE WITH CHARLOTTE TO BE A $15,000 PRIME STOCK.
I HEAR JOY CORNER, WHICH HE CAN FIND AT LEAST ONE LIFE IN THE CITY.
UH
SENIORS FLEW OUT IN MOST AREAS.
I CAN GO ON AND ON ABOUT WHAT OUR ASSOCIATION IS, NONE, BUT OUR SELECTION IS PUTTING MONEY BACK INTO THE COMMUNITY IN MANY TIMES DIRECTLY AFFECTS INDIRECTLY.
UH, IT'S ALSO NOT UNDERSTANDING THAT WE HAVE NOT BEEN GIVEN THE OPPORTUNITY TO QUOTE THE WORD STOP, WHAT WORKS IN THE PAST.
UH, ALL OF OUR SERVICE, ALL OF OUR MEMBERS HAVE VERY AGGRESSIVE WORKERS, NOT CARRIERS.
I BELIEVE IF YOU COMPARE THE CHARACTER WE WROTE LAST YEAR, THE WORKERS ARE ASSOCIATIONS.
AND WHAT LEAVES IS NOW THAT WE'VE BEEN ABLE TO WORK WITH SCOTT.
YOU MAY HAVE YOU SAY THAT THE TOTAL PACKAGE, UH, MEANWHILE, TO DO THAT NEXT YEAR, ACTUALLY THIS YEAR $26,000 CHEAP UNTIL THEY PUT THE DISCOUNT, RIGHT? SAY SOMETHING ABOUT WORKERS' COMP TO, TO CHANGE.
IT HAS CHANGED QUITE A BIT THE LAST FEW YEARS.
UH
[01:15:02]
THAT MAY MAYBE TRYING TOI HAVE A QUICK WRAP UP AND
AND I THINK DANNY SAID HE WAS, WE'RE GOING TO LAST TWO OR THREE DAYS.
SO I DON'T WANT TO, I DON'T WANT YOU TO THINK THAT THE BOARD IS, OH, THERE HE IS.
NO, I DON'T WANT YOU TO THINK THAT THE BOARD IS GETTING ON YOU, BUT IT'S JUST WILLING TO PUSH.
I KNOW WHO I AM BECAUSE WE WANT TO DO THE RIGHT THING.
BUT, UH, MS. HALL, YOU SAID WE HAVEN'T BEEN FINANCIALLY PREJUDICE BY THE RESERVATION OF RIGHTS, IS THAT CORRECT? I SAID, I SAID, AS FAR AS I KNOW THAT THE RESERVATION OF RIGHTS HAS NOT COME INTO PLAY IN ANY CASE WE'VE HAD SMALL.
AND DID YOU HAVE, CAN YOU GIVE ME A GUESSTIMATE ON THE WORST CLAIM THAT WE HAVE THE LOST WAGES? HOW MUCH ABOUT WHAT KIND OF MONEY ARE WE TALKING ABOUT? WELL, I GUESS THAT WOULDN'T BE RIGHT EITHER.
THAT'S JUST, I WOULD SAY THAT THAT SIGNIFICANT IT IS CONSIDERED.
AND I WOULD SAY THAT THE COVERAGE THAT LEAVES TALKING ABOUT FOR THE LOST WEIGHT AND FOR THE ATTORNEY, HE IS THE, I MEAN, EVERYTHING THAT YOU HAVE, EVEN IF, EVEN IF IT WEREN'T SO THAT WE COULD JUST, WE COULD, WE COULD TAKE THE LEAGUE AND
IS, I MEAN, JUST, WELL, TAKES AWAY HUNDREDS OF THOUSANDS OF DOLLARS, BUT, WELL, I MEAN, I WOULD SAY IT COULD VERY EASILY CITE TO SAY THE, UH, CLOSE TO A HUNDRED.
OKAY, WELL NOW THERE'S NO SITE FIRST YEAR THAT THEY'RE OFFERING THIS COVER.
AND IF THAT, SO THEN THEY REALLY HAVE NO HISTORICAL BASIS AS TO HOW, HOW MUCH HIT THEY GOING TO TAKE FROM THIS OFFER IN DISCOVER.
AND IF WE GRANTED THIS IS A GOOD COACH, BUT IF WE'RE ONLY IN ONE, FROM WHAT I UNDERSTOOD FROM HIS LETTER, ONE OF THEM, ONE MEMBER GROUP THAT IS SOLELY RESPONSIBLE FOR THE BOTTOM LINE.
AND IF, IF THEY STARTED TAKING A HUNDRED THOUSAND HITS FROM US, THE ONE THAT $5 MILLION FROM RALEIGH OR WHOEVER MIGHT BE A BIT SCARED ABOUT THAT 23 BILLION PLUS SURPLUS, THAT THAT MAY WELL BE THE BEST.
I THINK THAT IF WE LOOK AT THEIR RECORD, I REMEMBER WHEN, WHEN I FIRST CAME TO THE CITY, DAN STYLINGS, UH, CAME AND INTRODUCED HIMSELF TO ME AND WE TALKED FOR SOME TIME.
AND, UH, HE INDICATED TO ME THAT AT THIS POINT IN TIME, THE LEAGUE WAS VERY NEEDED AND THEY HAD LIMITED RESERVES.
I THINK HE REMEMBERED HIS DANCE.
AND HE SAID THAT, YOU KNOW, AT THE TIME MAY COME WHEN THE LEAGUE WILL BE MORE STABLE AND WHEN THERE'LL BE MORE ATTRACTIVE THAN WHEN THEY'LL BE ABLE TO HAVE A TRACK RECORD THAT THEY CAN STAND ON.
AND HE SAID AT THAT TIME, IT MIGHT VERY WELL BE BETTER FOR YOU ALL TO BE WITH ME.
AND THAT WAS, HE SAID THAT 10 YEARS AGO.
AND OF COURSE WE'VE BEEN WITH ASTOUNDED AGENCY EVER SINCE AND, AND HAD GOOD SERVICE, UH, FROM SERVICING THE CLAIMS AND EVERYTHING FROM DAN, IT IS PUMPING.
THERE'S NO COMPLAINTS WITH THAT AT ALL.
AND IF THE BOARD DECIDES TO GO WITH THEM AGAIN, WE'LL CONTINUE TO HAVE THAT SAME GOOD RELATIONSHIP.
BUT, UH, I THINK THAT OVER THE 10 YEARS, WE'VE HAD A CHANCE TO LOOK AT THE TRACK RECORD OF THE LEAGUE.
THE LEAGUE HAS A GOOD TRACK RECORD.
THEY HAVE A VERY VALID TRACK RECORD.
THEY HAVE ONE THAT THEY BUILD UP SOME RESERVES.
[01:20:01]
I THINK THAT WE PROBABLY HAVE REACHED THAT POINT.THEY NEED TO HAVE A LIST IF THEY ONLY COVERED THIS ONE YEAR AND THEY CAN'T COVER IT NEXT YEAR, THEN THAT'S ONE YEAR THAT WE'VE GOT THAT WE WOULDN'T HAVE BEEN ABLE TO HAVE GOTTEN IT.
COULD I SUGGEST THAT THE LEAGUE SPOKESMEN COME FORTH AND NOT YET WHAT'S LIVE NOW, HOW LONG INSURANCE BE ALL, BUT DELIBERATE, WELL, SHORT BULLET ABOUT WHY WE NEED TO GO WITH YOURS OR WHATEVER.
AND I'VE GOT SOME, I WAS SICK BEFORE I CAME HERE TONIGHT AND I TRIED TO GET UP WITH THE FOLKS TO TELL HIM I COULDN'T MAKE IT.
SO IF I FALL OVER ON CAMERA, YOU'LL KNOW WHAT IT IS.
I SAID, IF YOU CAN, THE CONCERNS THAT YOU'VE SPECIFICALLY HEARD BULLETS, UM, I'LL BE GLAD TO DO THAT.
THE NEW FOLKS WHO ARE WITH ME FIRST HOUR, WE'LL LEAVE MISS PALACE.
I'M THE ASSISTANT DIRECTOR OF RISK MANAGEMENT SERVICES.
INSURANCE TOLD SINCE THAT, SINCE ITS INCEPTION IN 1986, AFTER IN THE AUDIENCE THAT ON THE END, AND THEN SHE'S ON MANAGER OF MEMBER SERVICES AND MARKETING BESIDE THEM IS FRANK WEBER.
BRIAN'S VICE PRESIDENT OF JOHNSON AND HIGGINS OUT OF CHARLOTTE, WHICH IS THE THIRD LARGEST INSURANCE BROKER IN THE WORLD.
UH, THEY DO OUR GENERAL ADMINISTRATION AND GENERAL CONSULTATION WITH US ON THE SIDE.
TIM'S OUR CLAIMS MANAGER AND ATTORNEY AND DAVE CAN SPEAK TO THE ISSUES OF RESERVATIONS WITH, UH, GOVERNMENT PATHWAY, UM, AND SO FORTH IN THE SIDE.
TIM IS JIM DAVENPORT AND JIM IS OUR MANAGER MISMANAGEMENT FIELD SERVICES.
THE OTHER CITIES, ALL THE OPERATIONS THAT TAKE PLACE IN THE CITY OF NEW BERMS OR PROVIDE HOMICIDE CONSULTATION, DO YOUR RISK MANAGEMENT PROGRAM.
SO THAT'S HIS GEAR AND WE WANT TO BE PREPARED TO ANSWER ANY QUESTIONS YOU MIGHT ASK.
SO THAT'S WHY WE GOT ALL THESE FEDEX HERE SO THAT WHEN WE LEAVE, YOU WILL AT LEAST HAVE SOME COMFORT LEVEL WITH THAT APARTMENT.
WE WOULDN'T WANT YOU TO JOIN THIS PROGRAM IF YOU WEREN'T COMFORTABLE.
AND OUR BILL NIGHT IS TO GIVE YOU THAT COMFORT THAT YOU'RE LOOKING FOR.
UH, THIS IS AN ISSUE THAT I CAN ASK.
THANKS FOR SOME TIME, NOT UNLIKE SEVERAL OTHER ISSUES.
OUR BOARD OF TRUSTEES, WHICH IS MADE UP OF MUNICIPAL OFFICIALS, 13 MINUTES, SEVEN RELENTLESS OFFICIALS, SIX THAT WORK IN CITY, GOVERNMENT POLICE, CHIEF CITY MANAGER, SO ON AND SO FORTH EACH YEAR AFTER THE RENEWAL PROCESS, WE SIT DOWN AND WE TALK ABOUT MUNICIPAL EXPOSURES.
WHERE IS OUR GOAL? NOW? I THINK WE'RE ABOUT THERE.
WE'RE NOT, IF WE'RE NOT THERE ALREADY WITH THIS GLASS IS TO PROVIDE THE VERY BEST PACKAGE OF MUNICIPAL INSURANCE AVAILABLE IN THE STATE OF NORTH CAROLINA.
EACH YEAR, WE SIT DOWN IN PANTS WE HAVE, AND THAT, THAT COVERS ALL THE ENHANCEMENTS THAT HAVE BEEN DONE OVER THE YEARS.
ONE OF THOSE ENHANCEMENTS THIS YEAR,
WE HAVE PAST ACTUARIES, LOOK AT WHAT OUR CLAIMS EXPERIENCE IS EACH YEAR
I THINK THE ESTIMATE THAT WE HAVE BEEN TOLD IS LAST YEAR THAT WE OFFERED, DISCOVERS THE COST OF THE HOUSE AND THE HOUSE IT'S PRETTY
SO YOU'RE SAYING 23 MUNICIPALITIES AND WITHIN THE $50,000 WORTH OF BACK WAGES CLAIM, IS THAT CORRECT? HOW MANY MUNICIPALITIES? SO THERE WAS ONLY FIVE $50,000 WORTH OF BACK WAGES, PLANE OUT OF CENTER, SEVERAL QUESTIONS OF AROUND THAT, THAT WAS CLAIMED.
UH, BUT I THINK THAT WOULD'VE BEEN ONLY THE DIFFERENCE, THE IMPACT ON THE PROGRAM.
SO THAT'S WHY WE ARE NOW ALL PREGNANT.
AND THERE'S NO DEBT, NO ADDITIONAL PREMIUM CHARGE
[01:25:01]
IT, NOT AN ADDITIONAL ENDORSEMENT BYLET ME, LET ME UNDERSTAND THIS.
IN OTHER WORDS, YOU DIDN'T HAVE LOST WAGE CARE.
HOWEVER, YOU WENT BACK INTO SAY US THAT IF YOU HAD A HEAD LOST WAGE COVERAGE, THAT THE IMPACT ON RISK MANAGEMENT SERVICES WOULD HAVE BEEN A $50,000 IMPACT.
SO THAT MAKES ME THINK THAT I HAVE TWENTY ONE HUNDRED AND SEVENTY SEVEN MUNICIPALITIES THAT THE LOST WAGES WERE EITHER $50,000 WERE LAYUPS OR LOST WAGES WERE MUCH MORE OR SOMEWHAT MORE THAN $50,000.
BUT SOMEHOW YOU FELT THAT WITH A $50,000 ASSET, YOU COULD RACE THE PROBLEM.
IT HAPPENED IN SEVERAL DIFFERENT WAYS.
UM, WE GOT CAUGHT FROM OUR TOWNS.
UH, WE SEND MOST OF THE CLIENTS AND WE INCLUDED, WE ACTUALLY PAY SOME OF THIS
AND SOME OF THEM WERE ABLE TO GET LOWER SETTLEMENTS.
THE COST OF THE LOST WAGES WERE NOT COVERED.
THAT'S THE PRE-MED FIRST OF ALL, YOU DON'T GET AN ACTUARY, UH, LOOK AT SOMETHING LIKE THAT.
OR, OR I DO IT AS A CLAIM MANAGER DOING AN ANALYSIS THAT I CAN SAY EXACTLY.
I DON'T THINK THAT WILL HAVE A SIGNIFICANT IMPACT ON THE PROGRAM BY OFFERING MY PERSONAL UH
WELL, LEMME ASK YOU A COUPLE MORE QUESTIONS.
IF YOU DON'T MIND, NUMBER ONE, THIS IS A SELF-INSURED PROGRAM.
IN OTHER WORDS, IF SOMEBODY HAD A CATASTROPHIC, UH, WAIT TIME OR WHATEVER IT WAS, THE REST OF US HAVE TO COME UP WITH WHATEVER IT IS.
HURRICANE COMES IN AND OFF THE
THAT'S INSURED, NOT A BILLION DOLLARS, AND WE'VE ONLY GOT $26 MILLION IN SERVICE.
WHAT'S THAT GOING TO DO TO OUR PROGRAM? WELL, WE BOUGHT INSURANCE FOR OUR PROGRAM CALLED REINSURANCE AND OUR DEDUCTIBLE.
IF YOU WILL, WE CALL IT RETENTION IS $500,000 MAXIMUM LOSS.
THAT ONE OCCURRENCE WOULD BE $500,000.
NOW THE PROGRAM'S BEEN IN EXISTENCE FOR 10 YEARS.
WE'VE HAD ONE CLAIM IN STATE, A BILLION DOLLARS FOR US TO LOSE OUR SURPLUS.
WE WOULDN'T HAVE TO HAVE 50 CLAIMS GO OUT, BUT THE SALE WAS THAT $12 MILLION IN PREMIUMS. THERE'S A LOT OF MONEY.
THEY ARE STILL WITH PAY PLANS.
SO THE IDEA OF US HAVING COME BACK AND SAYS MEMBERS, WHEN YOU THINK ABOUT WHAT THE SURPLUS IS, WHAT OUR DEDUCTIBLE IS WITH REINSURANCE, HOW THAT STRUCTURE REALLY RELEVANT, HOW MUCH INSURANCE DID YOUR RE-INSURANCE, WHAT IS, UM, I'M NOT, NOT HOW MUCH YOUR PREMIUM IS, BUT HOW MUCH COVERAGE DO YOU HAVE UNDER YOUR RE-INSURANCE? OKAY, WELL, ON THE LIABILITY SIDE, LET'S SAY YOU WANT A $10 MILLION WORTH OF LIABILITY INSURANCE.
NO ONE BUYS THAT, BUT WE HAVE ACID IN THE WAY THAT THEY'RE FRAMING THERE MAY OR MAY NOT BE THAT DEDUCTIBLE THAT SAYS, YES, WE WOULD ASSUME THE RISK BETWEEN YOUR DEDUCTIBLE AND HALF A MILLION DOLLARS.
AND THEN REINSURE, YOU HAVE A MILLION DOLLARS AND $10 MILLION, NOT $1,000 OF REINSURANCE THERE, LET'S SAY YOUR PROPERTY COIN.
LET'S SAY WE HAVE THAT BILLION DOLLAR LOSS.
WHAT IS THE LIMIT WITH THAT? BASICALLY THAT TIME YOU COULD BRING IT.
INSURANCE IS, IS GUARANTEE FULL REPLACEMENT COST FOR ANYONE FROM US AND A HURRICANE HITS.
AND, UM, CALABASH AND THEN IT'S EVERY POUND ALL THE WAY INTO ELIZABETH CITY AS ONE OCCURRENCE, DESPITE THE FACT THAT 25 1 $500,000 LOSS PROGRAM GUARANTEED FROM REINSURANCE.
DOES THAT ANSWER YOUR QUESTION YESTERDAY? ASSESSABILITY, YOU HAVE, WHEN YOU LOOK AT INSURANCE, YOU LOOKED AT, OKAY, WHAT'S THE PRICE AND YOU HAVE THOSE NUMBERS IN FRONT OF YOU.
ONE THING THAT WE DO IS PARTICIPATION PRES, AND YOUR ESTIMATES, THIS SPENDING CREDIT THIS YEAR, HAD YOU BEEN IN THE PROGRAM, YOU HAD THAT FOR $29,550,
[01:30:03]
THAT WOULD HAVE BEEN RETURNED TO YOU IN THE FORM OF NO CREDIT, BUT YOU LOOKED AT RAJ, YOU'D ALSO GET THE DEDUCTION FOR THE DISCOUNT.WORKER'S COMP YOU LOOK AT YOUR COVERAGE, HOW BROAD IS OUR COVERAGE? IT HASN'T BEEN ANY PANTS.
DOES IT PROVIDE BETTER FOR THE MUNICIPAL NEEDS OF NEUTRAL? AND THAT'S THE THING THAT WE'RE REALLY TAKING A LOT OF PRIDE IN WORK, VERY HARD, DO NUMBER THREE, FINANCIAL STABILITY.
AND HOPEFULLY WE'VE ADDRESSED THAT WITH THE ACTUARY REVIEWS, OUR CLIENT'S EXPERIENCE EACH YEAR, DETERMINES WHAT RATE SHOULD BE, MAKE SURE WE'RE SOLID ABOUT RE-INSURANCE.
THE INSURANCE COMPANIES ARE VERY SATISFIED WITH OUR PROGRAM.
REINSURED IS GENESIS, WHICH IS THE NUMBER ONE DOMESTIC REINSURER IN THE UNITED STATES.
AND THEN OUR PROPERTY IS THE ROYAL WESTCHESTER, TWO VERY STRONG, A PLUS RATING.
SO STABILITY, I THINK WE HAVE STRONG STABILITY.
AND THEN THE LAST THING SERVICE.
AND OF COURSE YOU TALKED ABOUT THE ACTIVITY DOWN THE STREET AND, UH, BRIAN
WELL, MUNICIPALITIES ARE THE ONLY MARKET WHERE WE DON'T PROVIDE GOOD SERVICE TO MUNICIPALITIES.
THEN WE GO OUT OF BUSINESS, REALLY BECAUSE WE ARE PARTNERING WITH YOU AND WE HAVE TO PROVIDE THE VERY BEST SERVICE THAT WE POSSIBLY CAN.
SO THAT IN A NUTSHELL, THIS IS, UH, OUT.
IF YOU HAVE A PROBLEM, YOU CAN APPROACH THE BOARD OF DIRECTORS OF YOUR INSURANCE COMPANY, WHICH IS OUR PRIVATE INDIVIDUALS DISLIKE YOU AND SAY, HERE'S OUR PROBLEM.
AND YOU CAN HAVE THAT PROBLEM FOR THE NEXT PORTION, AND THEN THEY CAN DISCUSS YOUR CLAIM OR THE ISSUE THAT YOU'VE HAD, AND IF IT HAD STATEWIDE.
AND THIS ONE IS VERY STRONG POSSIBILITY THAT YOU'RE GOING TO GET FAVORABLE RESPONSES.
THAT'S KIND OF A MESSAGE, I GUESS ALL WE TALKING ABOUT M C A R M A PROGRAM THAT HAS WORKER'S COMPENSATION.
UM, LARGE CITIES GENERAL SELF-INSURE IN GENERAL AROUND NOW, FOR EXAMPLE, WHILE IT WAS IN OUR PROGRAM, UP UNTIL ABOUT THREE YEARS AGO, AT THAT TIME I READ INSURANCE DEDUCTIBLES 300,000, THEIR DEDUCTIBLE WAS 500,000.
SO THEY WERE REALLY NOT EVEN IN THE POOL, THEY'RE JUST USING US ACCESS REINSURANCE.
SO GENERALLY LARGE CITIES JUST DO THEIR OWN THING.
THEY DON'T SEE THE DEEP POOL IN THEMSELVES.
AND WHAT THEY DO, THEY PROBABLY JUST RATE ADD MORE TAX TO COVER ANY EXCESS CITIZENS, ALL THE INSURERS, REALLY THE TAX BILLS, RIGHT? CORRECT.
AND I'M SURE LIKE, FOR EXAMPLE, SO YOU'RE SHOPPING FOR INSURANCE FROM SAN RANGER.
I DON'T KNOW WHO BROKE HIS LEFT.
I SAW A STATEMENT ABOUT, UH, THERE WAS CONCERN ABOUT, UH, OUR BOND RATING STATUS.
WELL, THERE'S BEEN SOME CONVERSATIONS AND BASICALLY THESE PHOTOS MAY BE ABLE TO BE AWARE OF IT.
I DON'T THINK IT COULD BE A BABY WHO MADE THAT STATEMENT.
[01:35:06]
I WOULD, I WOULD JUST SAY THAT.AND UH, ABOUT THAT PARTICULAR ISSUE, IF SELF-INSURANCE IS THE THING, WE ARE SELF-INSURED FOR A HOSPITALIZATION RIGHT NOW, AND WE ARE INSURED THROUGH THE LEAGUE FOR WORKERS' COMP AND WE HAVE NEVER KNOWN IT TO HAVE ANY REAL, OUR CPAS HAVE NEVER, TO MY KNOWLEDGE MENTIONED THE FACT ABOUT US BEING SELF-INSURED AS AN ISSUE ON A BOND.
DOES ANYBODY HAVE ANY FARTHER? I KNOW, YES I HAVE.
I WISH I HAD MORE TIME READ THROUGH THE MATERIAL, UH, BOTHERS ME.
THEN THE LOCAL ASSOCIATION HAS CONTRIBUTED A CONSIDERABLE AMOUNT OF MONEY TO LOCAL CAUSES, BUT YET WE SAY THE 30 TO $60,000, WE CAN DO A WHOLE LOT THAT RESERVATION OF RIGHTS PROBLEMS WITH ME BECAUSE I FIGURED IT PROBABLY A HUNDRED PERCENT OF THE LAWSUITS HAVE BEEN FILED AGAINST THE CITY AND EVERY COUNTY THEY CHARGE THE CITY WAS BEING RESPONSIBLE.
AND I WOULD SAY PROBABLY 100%, WE GOT THE RESERVATION OF RIGHTS LETTER.
AND SO FAR IT HASN'T BEEN A PROBLEM, BUT IT'S ALWAYS THERE.
IT'S ALWAYS AN ACCENT OVER YOUR HEAD.
I DON'T UNDERSTAND THAT WE'VE BEEN DOING BUSINESS WITH LOCAL PEOPLE IN THE PAST, BUT IF WE DO A BUSINESS WITH LEGAL MUNICIPALITY, WE'RE IN THE LITTLE BUSINESS WITHOUT SALE THAT DOESN'T GET IT.
DOESN'T GET A WHOLE LOT MORE LOCAL THAN THAT BECAUSE WE ARE ILLEGAL AND THE CITY IS A PART OF THAT.
UM, IT SEEMS, IT SEEMS, IT SEEMS THAT THE LEADS INSURANCE IS SLIGHTLY MORE COMPETITIVE.
UM, SERIOUSLY SPEAKING, THEY'RE GOING TO REBUTTAL YOU.
YOU HAVE WHAT? LET ME START WITH WHY I THINK
IF YOU'VE GOT EMPLOYED AND WE SAY WE'RE GOING TO PAY WITHOUT ANY WITHDRAWN WORKED WITH YOU ON THAT CLIENT.
LET ME JUST PUT IT WITH, UH, SUMMARIZE.
ONE IS WE'RE REALLY NOT EVEN PLAYING, UH,
I KNOW THAT
THEY WERE NOT EVEN GOING TO WRITE IT.
WE HAD TO GET THAT MISUNDERSTANDING STRAIGHTENED OUT BEFORE THEY WOULD EVEN BE QUOTED FROM IT.
WOULD'VE BEEN BETTER TO HAVE MORE TIME.
I MEAN, SARAH, I'M JUST SAYING WHEN YOU'RE NOT HAVING ANY
LIKE IT SHOULD HAVE BEEN DONE.
[01:40:01]
HONEY IS A WORLD.WE HAVE NOT BEEN GIVEN THE OPPORTUNITY TO GIVE HIM INFORMATION.
THERE ARE
YOUR WORKER'S COMP PROBABLY 60 DAYS.
EVERYTHING HAS TO BE PROCESSED.
YOU DEFINITELY COULDN'T DO IT BEFORE JULY ONE.
DEFINITELY NOT GOOD JOB, BUT THE WHOLE ONE DID I UNDERSTAND WHERE 27,000 MILES, LESS THAN A LEG ON AN APPLES TO APPLES BASIS, WE WERE ASKING, WELL, OKAY, YOU'RE PAYING WHAT? $300,000 A YEAR, FORKLIFTS COMP, WHICH IS MAJORITY PREMIUM.
IF THEY GET THE OTHER COVER, WE DON'T HAVE THAT OPPORTUNITY.
WE HAVE A VERY UNEVEN PLANE THAT THE OTHER, NO, I DON'T.
IN FACT, I DON'T THINK IT'S APPLES TO APPLES BECAUSE YOU'RE NOT OFFERING US TO COVERAGE LEAGUES' OFFERINGS.
IF YOU WERE OFFERING US TO COVERAGE, THE LEAGUES, OFFERING US YOUR BID, BE WAY UP OVER WHAT IT IS RIGHT NOW, BECAUSE YOU CAN'T OFFER IT STILL LAST, HONESTLY, A HUNDRED PERCENT.
HOW CAN YOU SAY THAT? BECAUSE YOU CAN'T,
WE WERE TOLD THAT I WAS TOLD ORIGINALLY BY MR. MEADOWS, ANYWAY, THAT YOU ALL ORIGINALLY THOUGHT YOU MIGHT HAVE TO DO A $75,000 SURCHARGE AND COULD RIDE IT.
AND THEN YOU TOLD US YOU COULDN'T RIDE IT.
WELL, IT'S, IT'S INSIGNIFICANT TO COVERAGE TO THEM.
IT'S NOT INSIGNIFICANT COVERAGE TO US BECAUSE WHAT HAPPENS IS THAT YOUR ADJUSTERS USE THAT AS A CLUB, OVER THE HEADS OF THE PEOPLE THAT THEY HAVE.
AND THEY SAY, YOU'VE GOT A WAGE, YOU'VE GOT A SITUATION HERE.
WE'RE WILLING TO PUT IN THE MONEY, GUS FOR ATTORNEY'S FEES HERE, BECAUSE WE THINK, ARE YOU GOING TO THAT? YOU'RE GOING TO BE RESPONSIBLE FOR ALL OF THESE LOST WAGES.
SO WE'RE ONLY GOING TO PAY THIS MUCH, BUT NOW IF YOU WILL COME UP WITH $35,000 HERE, THAT THROWS SOMETHING IN THE AIR.
AND INSTEAD OF 5,000, IF YOU'LL COME UP WITH 35,000, THEN WE WILL TRY AND SETTLE THIS OUT FOR YOU UP HERE.
SO YOU WON'T BE ALIVE OR OVER HERE.
SO WE COME UP WITH THE 35,000 AND THEN WHEN THEY SETTLE IT, IT BECOMES A, A SETTLEMENT THAT DOES NOT INVOLVE LOSS WAGES.
IT THEN BECOMES A SETTLEMENT THAT INVOLVES ADJUST, UH, A SETTLEMENT OF PENALTIES.
AND THERE'S NO, THE LOST WAGES GETS LOST IN THE SHUFFLE, BUT IT DOESN'T GET LOST IN THE SHUFFLE AS HOW IT'S APPLIED AGAINST HIM.
THIS PALETTE
WAIT, WAIT, WE WORKING HERE LIVE HERE WAS THIS COMMUNITY
BUT THE MOST IMPORTANT TO ME IS THE FACT THAT YOU FELT CONTINGENT HOT REAL.
YOU DO NOT HAVE A GUARANTEED COST.
WE'RE GIVING YOU A GUARANTEE BOTTOM LINE, BIGGER GOING IN WITH THE POSSIBILITY OF AN EXCEPTION.
NOW YOU CAN ROLL THE DICE AND GO TO THE SELF-INSURED PLAN.
I'VE GOT INSURANCE AT TOM SELF-INSURED PLANNING, BUT I'VE GOT LOTS OF THINGS THAT ARE MORE CONSERVATIVE THAT MORNING HERE ON SALES.
AND I COULDN'T EVEN GET THEM TO CONSIDER, REGARDLESS OF ME, PAGERS, I CAN'T WITHIN ACCESSIBILITY.
AND REGARDLESS OF
WHAT THAT MEANS IS THEY WOULD COME BACK AND COLLECT
THEY COME BACK FOR MORE MONEY.
YOU ARE THE INSURANCE YOU GOT, I DON'T THINK I CAN PLAY WITH THE MONEY.
YOU IT, AND YOU GAVE ME YOUR LOCAL SERVICE.
AND PLUS WE CANNOT GUARANTEE WE WILL HAVE, WHICH IS STILL COULDN'T PROVIDE YOUR LOSS.
YOU STILL CAN PROVIDE THE BACK WAGES THAT MR. HARTMAN THINKS IS VERY IMPORTANT BECAUSE THE KINDS OF CLAIM THAT WE HAVE STILL COULDN'T WRITE THAT IS THAT RIGHT NOW WE WILL NOT THE BACK THE BACKWARD.
[01:45:04]
IS IT, IS THERE A STATUTE OF LIMITATIONS ON WALLS? IN OTHER WORDS, HOW FAR BACK CAN SOMEBODY CLAIM ON AS LONG AS THE PLACE THE LAWSUIT WAS FILED? SO IF THE CASE GOES ON FOR LIKE FIVE YEARS AND HE FILED A SUIT AND A STAFFING LIMITATION, THE CASE GOES ON FOR FIVE YEARS AND THEY ASSESS LOST WAGES THEN WILL BE THE LOST WAGES WITH A CREW FROM THE TERMINATION DATE UP UNTIL THE JUDGMENT PLUS INTEREST.CAN WE TAKE A 10 MINUTES AND TALK ABOUT THIS AND THEN COME BACK, COME BACK BECAUSE WE WANT TO DO THE RIGHT THING.
I CAN'T MEET FRIDAY BECAUSE I'M GOING TO A MEETING THURSDAY
BUT I HAVEN'T CAUGHT UP
NOW YOU HAVE A FIRETRUCK THAT WAS ABOUT 10 YEARS AGO.
WE COULD HAVE PAID FOR WHATEVER IT COSTS THEY DEPRECIATE.
IS THAT CORRECT?
AND THIS YEAR'S LEAVE OFFERING.
AND LAST YEAR, AND I THINK DAN IS BACK
WE'VE BEEN PREPARING THE SAME QUESTIONS TO SAY, AND HE'S SUPPOSED TO DO NOW.
AND I MADE A PHONE THOUGH, IF WE HAD A PRODUCT THAT'S 10 YEARS OLD, WE HAD TO GO WITH THE 300
IS THAT NOT CORRECT? NOW, THE OTHER ISSUES THAT WE HAD BEFORE THAT I HADN'T, AND I FOLLOWED THAT WAS THAT WE HAD TO DO IT THIS LATE HOUR.
I'M TRYING TO MAKE THE BEST EFFORT I CAN.
UH, THEY HAVE THE THINGS THAT THE LEAGUE DOESN'T HAVE THAT THEY DON'T HAVE.
BUT WHEN YOU LOOK AT THE WHOLE PACKAGE, THERE'S NOT A SIGNIFICANT DIFFERENCE IN QUANTIFIER, UH, COMPARISON ISSUE THIS YEAR, UH, THEY'RE COVERING BASICALLY THE SAME THING WENT UP 17,000 OFF THE LEAVES, UH, CREDIT OR WORKER'S COMP CAME DOWN, I THINK ABOUT $13,000.
AND THEN IT WAS ABOUT $4,000 MAKES UP
[01:50:07]
BUT AS A MAN, I DON'T THINKI DIDN'T MAKE THE MOTION THAT WE WERE SENSITIVE THURSDAY AFTERNOON AT FIVE O'CLOCK.
HOW WAS EVERYBODY'S TIME? I TELL YOU WHAT I TELL YOU.
I TELL YOU HOW I FEEL ABOUT THIS.
I THINK THAT THE NORTH ATLANTA LEGAL MUNICIPALITIES IS, IS, IS GETTING VERY, VERY COMPETITIVE, BUT ALSO FEEL THAT WE NEED TO DO BUSINESS WITH OUR LOCAL FOLKS.
BUT I FEEL THAT NEXT YEAR, THIS TIME WE MAY NOT BE TO DO BUSINESS WITH THESE FOLKS BECAUSE I THINK THAT THE LAST WAVE, WHICH ISSUE, I KNOW THE KINDS OF CASES THAT ARE COMING THROUGH THIS CITY.
AND I THINK THE LAST ISSUE, AS FAR AS COVERAGE IS VERY, VERY IMPORTANT.
AND, UM, I'M WILLING TO STICK WITH YOU ALL THIS YEAR, BUT NEXT YEAR, UNLESS YOU CAN GO BACK TO YOUR UNDERWRITER AND GET SOME LAW COVERAGE AND I CAN'T GO CONSCIOUS FULL WITH YOU.
I'LL VOTE FOR YOU BECAUSE I WILL NOT BE DOING WHAT'S IN THE BEST INTEREST OF THE CITY, THOSE NONPROFIT ORGANIZATION THAT YOU DONATE TO DO NOT BENEFIT CITY RESIDENTS EXCLUSIVELY, BUT ROUTT COUNTY FOLKS KNOW EVERYBODY, YOU KNOW, SO THERE IS NO DISTINCTION MADE ON THE RESIDENCY RESIDENCY OR THE BENEFICIARY.
SO THAT'S NOT ALL THAT IMPORTANT.
IT'S NOT PARAMOUNT, ISN'T IMPORTANT, BUT IT'S NOT A PARAMOUNT IMPORTANCE.
AND I FEEL ALSO THAT YOU WILL SLIGHTLY PREJUDICE BY NOT HAVING THE OPPORTUNITY TO BE IT ON A WHOLE PACKAGE, NOT BEING COMPETITIVE.
SO I'M GOING TO MAKE A MOTION THAT WE MAINTAIN YOU OFF FOR THIS YEAR, MAINTAINING THE COVER FOR THIS YEAR.
BUT IN ALL, HONESTLY, DAN, I WOULDN'T DO THIS NEXT YEAR.
IF THE CITY PROVIDED YOU WITH OPPORTUNITIES TO BE ON THE WHOLE PACKAGE AND YOU COULD NOT GRANT, UH, THE SAME TYPE OF COVERAGE WE BELIEVE LEAVE BECAUSE I AM IMPRESSED WITH THE LEVEL OF COVERAGE THAT THEY HAVE.
I THINK DANNY MADE A, AN INCIDENT MATTER, MADE A YEOMAN'S EFFORT TO GET ALL THESE ISSUES BEFORE US.
THIS IS A CHART THAT'S VERY EXPLICIT EXPLAINS, UH, THE CURVATURE OF BOTH ENTITIES.
THE LETTER HERE FROM DANNY IS VERY EXPLICIT THERE ALL.
AND, UH, I DON'T KNOW IF I'D BE IN A POSITION TO EVEN MAKE A MOTION, A VOTE FOR OUR LOCAL INSURANCE.
SO ENTER THE NATURE OF SIMPLY BECAUSE IT'S JUST NOT COMPETITIVE, BUT OUT OF THE SAKE OF WHAT I'M TRYING TO BE FAIR, I WANT TO MAKE A MOTION TO SUPPORT THE KEY SAYING, COME FOR THIS YEAR.
AND MAYBE NEXT YEAR, YOU'RE GOING TO HAVE, SAY OPPORTUNITY THAT THE LEAGUE HAS.
AND IF IT'S NOT COMPETITIVE, THEN WE'RE GOING TO HAVE TO DO WHAT WE THINK IS RIGHT.
LET ME SAY, UH, IF I CAN NUMBER ONE, UH, I BELIEVE ALL THINGS BEING EQUAL THAT WE SHOULD FAVOR THE LOCAL PEOPLE.
AND THAT'S THE KEY PHRASE, ALL THINGS BEING EQUAL.
AND I WILL SAY, I APPRECIATE THE THINGS THAT THE INSURANCE GUY, I KNOW A LOT OF YOU AROUND NEW WOULD DO DO FOR THE COMMUNITY.
AND, UH, MY LITTLE COMPANY DOES ITS PART ALSO.
AND, UH, I CAN TELL YOU THIS, AS FAR AS I KNOW THE FACT THAT I'M LOCAL HAS NEVER GIVEN ME ANY ADVANTAGE ANYWHERE, AND THAT'S FINE.
THAT'S FINE WITH ME BECAUSE I BELIEVE IN THINGS BEING SASSED ON AN EVEN PLAYING FIELD.
IF I CAN'T COMPETE, YOU KNOW, I WANT TO LAND ON ONE.
I DON'T WANT TO HAVE, UH, YOU KNOW, SOMETHING IN MY GLOVE.
IF I'M A BOXER, YOU KNOW, I DON'T HAVE A HORSESHOE IN MY GLOVE, BUT I DO BELIEVE THAT ALL THINGS BEING EQUAL, THAT YOU SHOULD GO WITH YOUR LOCAL FOLKS.
AND THAT INCLUDES MYSELF, BUT, UH, WHICH BY THE WAY, FOR THE GENERAL PUBLIC, SINCE I'M THE MAYOR OF THE CITY CANNOT AND WILL NOT EVEN BE THINKING WHAT YOU MIGHT DO.
BUT THE POINT IS THAT I LIKE TO MAKE IS, AGAIN, I APPRECIATE ALL THE THINGS THAT Y'ALL DO FOR THE LOCAL, THE Y B BASEBALL PLAYERS, THE KIDS, EVERYBODY THAT CALLS ALL OF US IN THE COMMUNITY.
YOU DO NEED TO DO THAT, ESPECIALLY IN THESE HARD TIMES
[01:55:01]
WHEN I ALSO AGREED THAT PERHAPS IF, IF THIS MATTER HAS TO COME BEFORE OUR BOARD TO MAKE THE DECISION AND US BE MORE THAN JUST A RUBBER STAMP, THEN I WOULD HAVE SEEN THAT WE HAVE TO LOOK INTO THIS MONEY AND FOR US TO LOOK INTO THIS THING AT THIS 11TH HOUR AND CHANGE A 15 YEAR OLD HORSE THAT WE READ AND WRITTEN WITH THE 15 YEARS MAKES ME UNEASY IF NOTHING ELSE.AND I THINK THAT I SENSE THE MONIES AND THIS AND THE REST OF THE BOARD, BECAUSE IF WE TAKE IT AT FACE VALUE THAT THE OTHER PEOPLE, YOU KNOW, HAVE A GOOD PLAN AND ALL THIS KIND OF STUFF.
AND OF COURSE, DOES ANYBODY ELSE HAVE ANYTHING TO ADD TO THAT? OH MAN, I HAVE TO LEAVE.
WHAT IS THE DEFINITION OF IT? UM,
WE'RE NON-PROFIT AND NUMBER TWO, TO RETAIN THE MEMBERSHIP.
EVERYTHING WE DO IS MAKING THIS.
SO WHAT ARE YOU DO STAIRS? YOU ARE THE WORKERS.
WE STARTED TO BE PARTICIPATION, ISSUE THAT NAME.
WHEN WE GET TO THE END OF THE YEAR, WE MADE X AMOUNT OF MONEY AND THE POP OVER TIME, WE'RE GOING TO GIVE THE REST OF IT BACK SO THAT GIVING YOU BACK YOUR BRIM.
SO YOU DID RECEIVE A PARTICIPATION GRADE IN WORKER'S COMP SESSIONS FOR THE FIRST TIME THIS YEAR, WE HAVE BEEN DOING THAT, UH, AT THIS POINT IN TIME, IF YOU HAVE BEEN PARTICIPATING FOR ONE YEAR, YOU WOULD RECEIVE BACK 11, THEIR RECEIVED BACK OR 3%.
SO AS YOU WILL, UP TO THE FIVE-YEAR PERIOD, YOUR PARTICIPATION INCREASES AND THAT'S ONE OF THOSE BAGS IS CALLED, IS TALKING ABOUT X FOR THE 20% DISCOUNT THAT'S WHAT'S CAUSING THIS PROBLEM.
HERE'S THE BOTTOM LINE, BUT YOU BELONG MORE THAN ONE PRODUCT.
WE GIVE YOU AN EXTRA 20% DISCOUNT, AND THAT'S WHAT THE PROBLEM IS COMP NEXT YEAR.
UH, WILL WE BE IN A POSITION WHEREBY WE CAN PROVE WE CAN, UH, PROVIDE, UH, BOTH ENTITIES, AN OPPORTUNITY TO BID ON OUR TOTAL INSURANCE PACKAGE, WHAT WAS CALLED THE LIABILITY? BECAUSE THAT'S REALLY SOMETHING I'M CONCERNED ABOUT, BUT I TELL YOU TO BE HONEST WITH, I WOULD BE MORE INCLINED TO VOTE WITH THE LEAD NEXT YEAR, IF WE DIDN'T HAVE COVERED FOR LOSS WAGES, BECAUSE I DO, I DO FEEL LIKE INSURANCE COMPANIES, UH, THEY DON'T EVEN PAY A GOOD CLAIM, LEGITIMATE CLAIMS. AND I THINK MR. HARTMAN IS RIGHT THERE TRYING TO HOLD THIS OVER.
YOU'RE HERE TO MAKE YOU A CHIP IN SOME MONEY CHIP ISN'T THAT RIGHT? I BELIEVE THAT BECAUSE I'VE HAD BAD EXPERIENCE WITH INSURANCE COME, I GOT FLAT.
WE HAVE A LEGITIMATE CLAIM THAT THERE IS WE'LL LITIGATE, EVERYTHING.
MAYBE THE CLAP WILL BE HARD UP FOR MONEY AND WILL FORCE A SELLER.
I FIND THE MESSAGE LOUD AND CLEAR THAT WALK ME DOWN AN INSURANCE PACKAGE.
SO DO WE HAVE ANY FURTHER DISCUSSION ON THAT MOTION? THE SECOND, WHEN WERE YOU AT THURSDAY, THURSDAY AFTERNOON, WE GOT THE FIRST NUMBER.
THEN BASICALLY THESE NUMBERS THAT YOU HAVE, OR THREE O'CLOCK THIS MORNING, AND THAT'S NEVER TOUCHING ON YOU, THEN YOU MIGHT BE SITTING IN THE SAME PLACE NEXT YEAR.
AND THEN WE TALKED TO THIS AND WE, WE, WE DID LAST YEAR, WE DID GET A, UH,
[02:00:04]
UH, AND, UH, YOUR SEAL AND TO LAST MINUTE, UH, I THINK LAST YEAR, JUNE INTO JUNE, BEFORE WE, OKAY.SO THIS, THIS ISSUE IS SOMETHING THAT WILL HAVE TO BE FACED WITH, BUT NOT THIS ONE.
WE THOUGHT IT WAS WORTH BRINGING YOUR ATTENTION.
IT IS WORTH IT, BUT THE CONSULTANT DID FINE LAST YEAR.
THEY WERE THE ONE TO GO LAST YEAR.
BUT WHEN YOU CONSIDER THAT THEY'RE OFFERING LOST WAGE COVERAGE, THAT MAKES THEM MORE ATTRACTIVE.
WELL, NOT ONLY THAT, BUT THE COVERAGES ARE BASICALLY THE SAME AS WE'VE ALSO GOT ALL THE PROPERTY, PROPERTY RATES GO UP.
I MEAN, THERE ARE CERTAIN GABBY OFFICE THAT THEY OFFER.
I MEAN, THEY'VE GOT THOSE INITIAL, UH, RISK MANAGEMENT THAT HAS BEEN OFFERED TO US AND ALL OF THESE DIFFERENT THINGS THAT MAKES IT LOOK A LOT BETTER.
I MEAN, TWO YEARS AGO, I WOULDN'T HAVE TO SIT HERE.
AND LIKE I SAID, IT'S NO REFLECTION ON THE GROUP OR ANYONE IN THE HALL.
IT'S JUST DEFINITELY GOING TO BE VERY, VERY COMPETITIVE AND, AND THE DOLLARS OR SIGNIFICANT THAT WE FELT WE NEEDED TO LOOK AT.
AND I APPRECIATE YOU, MY DAD, I GUESS YOU CAN SEE THE HANDWRITING ON THE WALL.
OH, WE'VE HAD A MOTION TO SECOND.
WHY DO WE NEED TO CALL THE ROLL OUT?
I'M LIKE I SAID, WE WAIT UNTIL THURSDAY.
I JUST SAY, OH, WE GOT A SECOND TO WAIT UNTIL THURSDAY ON BOTH OF THEM.
NO THURSDAY, THEN THIS TO AGONIZE.
WHY DON'T WE HAVE A MOTION AND A SECOND ALL IN FAVOR, SAY AYE.
YOU KNOW, I'M KIND OF IT THAT WAY.
AND I, HEY,
THE WHITE
AND I'D LIKE TO KNOW HOW TO KEEP
IT DOESN'T DEDUCTIBLES WOULD NOT QUITE HIGH.
WHAT KIND OF FACTORS ARE THEY GOING TO PLAY AGAINST?
I WANT TO FIND OUT BASED ON THIS YEAR, WHAT WOULD THESE DEDUCTIBLES HAVE COST US WHILE THEY TO LEAVE? WELL,
I AGREE WITH THE REST OF THEM.