Muyni
← Back to Burlington

Ward 5 NPA

Regular Meeting

Burlington, VT · March 19, 2026

AgendaPacketMinutes

Minutes

Neighborhood Planning Assembly Minutes Ward NPA: 5 Date of Assembly : 3/19/26 Start Time: (Commence): 7:02 pm Location: 645 Pine Street Finish Time: (Adjourn): 8:23pm Note taker: Jak Tiano Please forward these official minutes to: BT Steering Committee Members in Attendance:​ Jason Van Dreische, Jak Tiano, FaRied Munarsyah, Lena Greenberg, Prim VanWolvelear Discussion Topics ●​ Join the Steering Committee Actions Taken / Decisions Made ●​ Overdose prevention center (Postponed) ●​ None ●​ How to Burn Fewer Fossil Fuels Agenda Items and Actions: ●​ Commence: 7:02pm ○​ Steering committee introduces themselves ○​ Jason opens the meeting and lays the ground rules for the NPA ●​ Public forum ○​ Gar: brings awareness to the growing threat of ICE in Burlington and Vermont ○​ Bram: VT leg has done a few things: the “No Secret Police” bill in the statehouse forbids law enforcement from wearing masks and wear uniforms that identify officers; another law prohibits civilian arrests in more places (schools, hospitals, government facilities, etc); a bill passed out of the house that allows Vermonters to sue federal law enforcement that break constitutional rights. ○​ Andy: Two of the people detained in the ICE raid last week have been released, and a third (Camila) has a hearing at the courthouse in Burlington tomorrow. Tomorrow morning in St Albans there is a check in for Steven Tendo, carpools up there tomorrow leaving around 8:30am. Also asks for signatures to get Proposition Zero on the ballot in November. ○​ Scott: Leadership has the ability to write executive orders limiting ICE in their operations, e.g. Sarah George has the ability to prosecute violations of rights of any members of the community. ICE agents that violate these rights need to be held accountable at the time of the offense. Agents aren’t allowed to wear masks except for in hazardous conditions, but what if they create hazards using tear gas, etc? ■​ Bram: Legislation was focused on preventing people wearing masks in unmarked clothes throwing people in unmarked vans. ○​ Lena: Circulating QR codes for joining a group chat to help people who are now sheltering at home out of fear. If you need assistance with Signal, please talk to me after the meeting. I’m happy to see our leaders speak out against this action, but disappointed to see that there wasn’t a lot of willingness to admit fault. Is very disappointed, and waiting for people with access to institutional power to take the moment. Wants to see more collective unwillingness to accept the active rise of facism. ○​ David: Attended the National Low Income Housing Forum in Washington DC. There’s broad consensus that what’s happening isn’t right. ○​ Joanna: Is running for State Senate in Chittenden Southeast! Resonates with the conversation, agrees that she wants to see more aggressive movement on protecting our neighbors. The rights that we’ve established are great, but they’re no good if nobody can afford to live here to access those rights. Excited to use the seat as county govt proxy. ○​ Jak: Become a small scale developer and help build up your neighborhood! https://www.incrementaldevelopment.org/events/homesforallvtworkshop-middleb ury ●​ Join the Steering Committee ○​ Jason gives an overview of what the steering committee is like. ○​ Prim: Was really great to see how friendly and welcoming the NPA was and wanted to get involved in the neighborhood. ○​ Faried: It’s a good way to meet neighbors and stay connected with what is happening in the neighborhood, and also see what’s happening in other parts of the city. NPA is Burlington’s way to do local democracy. ○​ Jak: nice ○​ Lena: I’ve learned so much about how the city works through the NPA. There’s something valuable in being able to say you’re associated with a neighborhood body, and ask for leaders/staff time to explain important things. We also have this gift of being able to have a space to experiment in new ways to organize our neighbors. ○​ Charlie: This is also a great way to build your skills, like how to speak in public and organize meetings. This is an opportunity to take the next step in “how do I get involved”? ○​ Jason: Being on the steering committee has “stretched my brain”, and what I mean by that is that it would be really easy for me as someone later in my career to get stuck in a routine, and being part of the NPA has been a part of my mental flexibility program. The combination of working on the steering committee and coming to the NPA, and learning how to work with people you don’t get to pick, has been really great. ○​ Questions? ■​ Kelly: How do the topics of our conversations make its way up to higher levels of city government? ●​ Jason: We often have elected officials at our meeting, and a set of priorities we give the city council. ●​ Lena: There have been recent changes in our relationship to the city, but one of the items is establishing that information doesn’t flow only from the city to the npa, but the other way as well. ●​ How to Burn Fewer Fossil Fuels (Jacob) ○​ Fossil fuels are big ticket items that last a long time ○​ We need a plan to replace appliances before they break, because when they break we’re in an emergency mode ○​ Dryer, Stove, Hot water heater, and furnace ○​ The key is “heat pumps”, which are an extremely efficient way to move heat with electricity ○​ BED has lots of incentives ○​ Dryer ■​ Electric dryers require 240V and an electrician ■​ Clotheslines instead ■​ Heat pump dryer, basically a dehumidifier for clothes (BED has rebates) ○​ Stove ■​ Again need an electrician and 240V outlet ■​ If you want high-end cooking, get an induction stove (small BED rebate) ■​ Induction hot plate for renters, go into a 120V outlet (no incentives) ●​ Jason adds that they had one at home for boiling water ■​ You can also use other things: microwaves, electric kettles, toaster/ovens, air fryers, etc ○​ Hot water heaters ■​ Resistive ●​ Uses a lot of electricity (needs 240V) ■​ Heat pump ●​ More expensive to buy, cheap to operate ■​ Hybrid ●​ Benefits of both (but expensive) ■​ On bill financing! ●​ VGS will take out your gas hot water heater, and replace it with a heat pump hot water heater ●​ Also can use VHFA WRAP program ○​ Furnace/boiler ■​ Resistive/hybrid/heat pump - same as hot water heaters ■​ Electric resistance baseboard heaters, space heaters ■​ Heat pumps, including cold-climate heat pumps ●​ Integrate electric resistance backup for the coldest days ●​ Window unit heat pumps (still need cold climate) ●​ Mini split, compressor outside, wall/ceiling mount inside ○​ Best used for more open floor plans ○​ Lots of rebates ●​ Central ducted furnace replacement ○​ Swap gas furnace for heat pump heat exchanger ●​ Boiler replacement for baseboard/radiant floor ○​ Hydronic systems, more complicated and harder to find in the US ○​ Sign the pledge: https://www.fossilfuelfreeequipmentpledge.org/ ○​ Question: ■​ Kelly: Is there a good priority? A: Really the best way is to be prepared for what fails next, but if you want to be productive, then air/water heating is the best place to start. ■​ Jason: The electrical inspector is overly conservative on electrical load capacity, and you can push them to get an alternate assessment. A: yeah, you really don’t need more than 100 amps. ●​ Adjourn: 8:23pm

Agenda

Ward 5 Neighborhood Planning Assembly (NPA): Draft Agenda Thursday, March 19th 6:30PM-8:15PM ​ Join in person: 645 Pine Street (DPW Building) ​ Join virtually: https://us02web.zoom.us/j/89574495720 ​ Facilitator: ​ Jason Van Driesche​ ​ Note Taker: Lena Greenberg 6:30 ​ ​ Community Dinner​ ​ ​ ​ ​ ​ ​ | 30 min 7:00 ​ ​ Welcome & Public Forum​ ​ ​ ​ ​ ​ | 15 min 7:15 ​ ​ Join the NPA steering committee!​ ​ ​ ​ | 5 min ●​ We have steering committee elections in April - hear about reasons to join. 7:20​ ​ Overdose Prevention Center updates ​ ​ ​ ​ | 30 min ●​ Theresa Vezina will present on the community survey 7:50​ ​ How to burn fewer fossil fuels in homes ​ ​ ​ ​ | 20 min ●​ Jacob Flanigan will present 8:10​ ​ Adjourn ●​ Next meeting will be Thursday, April 16, 2026

Packet

Ward 5 Neighborhood Planning Assembly (NPA): Draft Agenda Thursday, March 19th 6:30PM-8:15PM ​ Join in person: 645 Pine Street (DPW Building) ​ Join virtually: https://us02web.zoom.us/j/89574495720 ​ Facilitator: ​ Jason Van Driesche​ ​ Note Taker: Lena Greenberg 6:30 ​ ​ Community Dinner​ ​ ​ ​ ​ ​ ​ | 30 min 7:00 ​ ​ Welcome & Public Forum​ ​ ​ ​ ​ ​ | 15 min 7:15 ​ ​ Join the NPA steering committee!​ ​ ​ ​ | 5 min ●​ We have steering committee elections in April - hear about reasons to join. 7:20​ ​ Overdose Prevention Center updates ​ ​ ​ ​ | 30 min ●​ Theresa Vezina will present on the community survey 7:50​ ​ How to burn fewer fossil fuels in homes ​ ​ ​ ​ | 20 min ●​ Jacob Flanigan will present 8:10​ ​ Adjourn ●​ Next meeting will be Thursday, April 16, 2026 Page 1 of 43 Overdose Prevention Center Burlington Overdose Prevention Center 1 Page 2 of 43 Introductions and Overview • What is an Overdose Prevention Center (OPC)? • What is the status of the OPC in Burlington? • OPC Services Assessment • Tonight’s Listening Session Burlington Overdose Prevention Center 2 Page 3 of 43 Tonight’s Listening Session Preliminary survey results Evaluation next steps • What positive impact do you hope the OPC will bring to our community? • What are your concerns or questions Discussion with Residents related to the OPC? • What would you like to see for ongoing communication once the OPC opens? Burlington Overdose Prevention Center 3 Page 4 of 43 Services Assessment Overview Evaluation Activities to Date • The City of Burlington contracted with In-person surveys with Pacific Institute for Research and people with 49 people Evaluation (PIRE) to inform the Services with living experience* Assessment report required by the OPC Online community Guidelines. survey completed with over 1500 responses* • Purpose is to engage people with living experience and the wider Burlington Ongoing tracking of professional and residential community community engagement to help inform the City and VCJR in the activities implement of the OPC. *Preliminary findings only include quantitative data. Qualitative (open-ended) data will be shared in final report Burlington Overdose Prevention Center 4 Page 5 of 43 Who did we hear from? 49 individuals 1505 respondents completed the in-person completed the online PWLE Survey community survey All respondents used an illicit substance 75% of survey respondents within the past 30 days identified as Burlington residents, 45% work in Burlington, and 2% are Burlington 84% of respondents reported not having business owners a stable place to live, with 80% unsheltered 8% identified as a person who used to use 86% used drugs at least once per day or currently uses non-prescription opioids or stimulants 43% used drugs alone most of the time or always 47% had at least one overdose in the past year. Burlington Overdose Prevention Center 5 Page 6 of 43 Where are people using drugs in Burlington? Burlington Overdose Prevention Center 6 Page 7 of 43 Utilization and Perception of the OPC PWLE utilization of the OPC Of the 49 respondents, 92% responded that they would consider using the OPC once it opens, with 73% responding that they would use the OPC always or most of the time. Community Perception of the OPC On scale of 1 (least helpful) to 10 (most helpful), the most selected answer was 10, the median answer was 7 and the average answer was 6.3 Burlington Overdose Prevention Center 7 Page 8 of 43 Respondents’ Preferred OPC Location PWLE survey: How likely would you be to use Location Factors an OPC at various locations? (from community survey) Community survey: Where should an OPC When asked which are important be located in Burlington to be most effective? factors when considering the vicinity of the OPC: • Downtown Burlington was the most Accessibility for potential clients selected response on both PWLE and was the most common response (52%), followed by proximity to community surveys schools/playgrounds (40%), • The ONE and Riverside/Intervale area were other support services (40%), and transportation (38%) a the 2nd and 3rd choices on both surveys Burlington Overdose Prevention Center 8 Page 9 of 43 Access to the OPC (PWLE survey) 68% of PWLE responded that Time PWLE are willing to they would be likely or very travel to access an OPC: likely use a free shuttle if it 68% were offered between downtown 5-15 minutes 60% and the location of the OPC 15-25 minutes 23% 75% of PWLE responded that they would be likely or very 75% likely to use the OPC if it was 25-35 minutes 13% a mobile van that traveled around Burlington. Burlington Overdose Prevention Center 9 Page 10 of 43 Security and Safety at the OPC (PWLE Survey) How would a security guard How would a security guard inside the OPC make you feel? outside the OPC make you feel? More safe 53% More safe 47% Less safe 19% Less safe 19% Neither more safe or Neither more safe or less safe 28% less safe 34% Burlington Overdose Prevention Center 10 Page 11 of 43 1. Prevent overdoses and save lives Public Health 2. Reduce the number of people using drugs Outcomes outdoors and in public spaces 3. Help connect people to drug treatment and health and social services Community survey respondents ranked the 4. Less burden on emergency rooms, police, order of importance of fire, & EMS by reducing overdose-related seven identified public calls health outcomes 5. Reduce crime in the area surrounding (in order of most the overdose prevention center importance to least) 6. Reduce number of syringes or other litter related to drug use discarded in public 7. Reduce HIV and hepatitis C transmission due to syringe sharing Burlington Overdose Prevention Center 11 Page 12 of 43 Services and Supports • The majority of PWLE respondents reported that proposed OPC services such as medical care, STI testing, bathrooms and showers, peer support, drug checking, on-site buprenorphine, mental health and drug treatment referrals, and support with basic needs are important or very important • Community survey respondents ranked possible OPC services: Referrals to drug treatment, Mental health services or referrals, on- site buprenorphine treatment, bathrooms, and peer support were noted among the most important services to offer at the OPC Burlington Overdose Prevention Center 12 Page 13 of 43 Ongoing Community Conversations Community survey: How would you want to engage in community conversations around the OPC? Burlington Overdose Prevention Center 13 Page 14 of 43 Next Steps • Continued engagement at NPA meetings, focus groups, attendance at community meetings, and interviews with people with living experience • Final report with findings to inform the Services Assessment in April • Hiring OPC Project Manager • Link to Annual Progress Report Burlington Overdose Prevention Center 14 Page 15 of 43 For More Information Link to Annual Progress Report Theresa Vezina Special Assistant on OPC Implementation tvezina@burlingtonvt.gov 802-735-8358 Burlington Overdose Prevention Center 15 Page 16 of 43 Discussion Questions • What positive impact do you hope the OPC will bring to our community? • What are your concerns or questions related to the OPC? • What would you like to see for ongoing communication once the OPC opens? Burlington Overdose Prevention Center 16 Page 17 of 43 Fossil Fuels How to stop burning them in your home Page 18 of 43 Why it is Important Fossil Fuel appliances are: Big ticket items ○ They last a long time (hopefully) ○ Locks us in to that fuel for a long time Stuck With It Just need 1 appliance that uses fossil fuels and we are stuck maintaining the infrastructure for that fuel. ○ There is a cost just maintaining access to a fuel ○ Incentivises using that fuel for more than one appliance Page 19 of 43 Why make a plan to replace them Now? Great Options Lots of great options and Incentives that weren’t available before Otherwise, Emergency! Most people replace these appliances when they break ○ When it is an emergency it is hard to change to something else Page 20 of 43 The Things What are we talking about? In Your Home (4) ● Dryer ● Stove ● Hot Water Heater ● Furnace/Boiler Outside Your Home (~2) Other Important things we won't talk about ● Car ● Efficiency ● Lawn equipment ● Biofuels Page 21 of 43 Heatpump, Heatpump, Heatpump How much heat Could a heatpump heat If a heatpump Could pump heat Page 22 of 43 Incentives Burlington Electric Department (BED) Rebates ● To switch from fossil fuels appliances to Electric ● To switch to more efficient electric appliances Inflation Reduction Act (IRA) Tax Credits ● Renewables, Heatpumps, insulation, electrical upgrades, EVs Inflation Reduction Act (IRA) Electrification Rebates for Low/Moderate Income (LMI) ● VT gets $58,555,020 to dole out ● Not available yet! Still working out procedures Page 23 of 43 Dryer Electric Dryer ● If you already have one your already done! ● If you are replacing a gas dryer ○ Purchase cost is the same as a gas dryer ● No Incentives ○ Need an electrician to install a 240V outlet ○ Could trigger need for an electrical service upgrade Page 24 of 43 Dryer Clothesline ● By far the cheapest option ● Takes some more time ● No Incentives ● Need space inside in the winter Page 25 of 43 Dryer Heatpump dryer ● Looks and feels like any other dryer ○ Works like a dehumidifier ● Many can plug into standard 120V outlet ● No vent needed ● Often come as washer/dryer combo Makes it a great ● Has condensate that needs to be emptied option for apartments ● Takes longer to dry Let’s talk about the $ ● Uses ~40% less electricity than conventional electric dryer ● Likely don’t need any electric upgrades ● $400 Rebate from BED BED ● $860 LMI Incentive from IRA - Still pending ● Costs twice as much as electric or gas dryers ● $200 - Hybrid Heatpump ○ But BED rebate gets us back down to striking range ● $400 - Full Heatpump IRA Page 26 of 43 ● *up to $860 LMI Incentive from IRA Stove Electric Stove ● If you already have one your already done! ● If you are replacing a gas stove ○ Purchase cost is the same as a gas stove ■ Starts ~$500 ○ No CO emissions into your home ○ Need an electrician to install a 240V outlet ○ Could trigger need for an electrical service upgrade ● No Incentives Page 27 of 43 Stove Induction Stove ● Knocks the socks off gas and tradition electric ○ Cooks faster ○ More responsive ○ Can set to lower temperatures Because surface never ○ Even heat gets super hot you can ○ Easy to clean clean spills while still cooking ○ Safer ● If you are replacing a gas stove ○ Costs twice as much as electric or gas stove ○ No CO emissions into your home ○ Need an electrician to install a 240V outlet BED ○ Could trigger need for an electrical service ● $200 upgrade IRA ○ Requires the use of steel or iron pots ■ If a magnet sticks to the bottom they ● *up to $840 rebate for LMI work Page 28 of 43 Stove Induction Hot Plate ● Inexpensive $60-$200 ● Works on 120V outlet ● Can supplement use of existing stove ● Portable, can use in other locations ● No Incentives Page 29 of 43 Stove Other ways to Cook without fossil fuels Can usually find one for free when college students leave, or for cheap at a reuse store ● Microwaves ○ super efficient! ● Electric Kettles ○ Fastest way to heat up water! (https://www.youtube.com/watch?v=RpoXFk-ixZc) ● Toasters ● Toaster Ovens ○ more efficient/faster than heating up a full size oven ● Air Fryers ● Crock Pots ● Rice Cookers ● Bread Machines ● No Incentives Page 30 of 43 Heatpump hot water heaters BED Hot Water Heater ● ● $500-$800 (depends on efficiency), +$400 for LMI ● +$300-$600 through contractor (depends on efficiency) Types of Electric Hot Water Heaters IRA ● Resistive ● *30% of cost tax credit ($2000 cap/yr) ○ Cheap to buy, expensive to operate, fast reheat incentive from IRA ○ Needs 240V circuit ● *up to $1750 rebate LMI Incentive ● Hybrid (both resistive and heatpump) from IRA ○ More expensive to buy, less expensive to operate, fast reheat ○ Needs 240V circuit ○ Some dehumidification ● Heat Pump ○ More expensive to buy, cheap to operate, slowest to reheat ○ Can plug into 120V outlet ○ Some dehumidification Heatpumps heat water up slower than electric resistance or gas so to compensate a larger tanks size and/or setting the What determines how much hot water I have? tank to a higher temperature is used to achieve the same ● Tank size amount of hot water. ● Re-heat power -higher tank temperatures don't mean scalding tap temperatures. ● Water temperature Modern Heat pump hot water heaters have mixing valves so that extra hot tank temperatures are mixed with cold water so tap temps are within expectations (if set correctly). Page 31 of 43 Lease/On Bill Financing More E and I xciting th mage a sugg n the Title ests! ● VGS leases Heatpump hot water heaters ○ Lease payments are added to the gas bill ○ VGS owns it and therefore if it breaks they fix it (and it is usually faster for them to come out to your house than a plumber) ○ Great option for landlords/renters ● VGS Also leasing Hybrid centrally ducted heatpumps ○ But only the ones that still have backup gas and aren’t cold climate rated, aka don’t do much :( ● BED on-bill financing for commercial customers ○ For ventilation, emergency swap outs, facada alterations. (limited fed covid money) ● VHFA - Weatherization Repayment Assistance Program (WRAP) ○ Pay on your utility bill ○ Can add in costs for heat pumps and hot water heating to a weatherization project Page 32 of 43 Furnace/Boiler Types of Electric Heating Systems ● Resistive ○ Cheap to buy, expensive to operate, fast reheat ○ VT efficiency code prohibits resistance heat for most applications ● Hybrid (both resistive and heatpump) ○ More expensive to buy, less expensive to operate, fast reheat ○ Includes Air Conditioning ● Heat Pump ○ More expensive to buy, cheap to operate, slowest to reheat ○ Includes Air Conditioning Page 33 of 43 Electric Resistance Heaters ● Baseboard ○ Electrician installs ○ Except in special cases, not allowed by VT efficiency code ● Space heaters ○ Super cheap to buy $30-$100 ○ Super expensive if heating whole house ○ Really great to heat one room ● No Incentives Page 34 of 43 Heatpumps So Many different kinds! ● But the outside compressor probably looks something like this ● Cold climate models rated to work in -15F temps ● Can integrate electric resistance backup Page 35 of 43 Window Unit ● Like your window AC but can provide heat as well ○ Options for 120V (normal wall outlet) and 240V ○ $500-$3000 ○ Great option for renters/trailers/smaller areas ○ Not super common yet. More and better options are coming to market ■ Efficiencies/capabilities can vary greatly model to model BED ● Typical style ● $100 (energy star most efficient) ○ Likely cheapest, somewhat loud IRA ● Saddle style ○ More efficient and quiet. Also leaves more of your ● *30% of cost tax credit ($2000 window for use cap/yr) incentive from IRA ● “Portable” style ● *up to $8000 rebate LMI Incentive ○ Works in windows the other two can’t fit in from IRA ○ Louder and less efficient (the double hose versions are more efficient than the single hose versions) Page 36 of 43 BED ● Mini Split ● $1350-$5450 (depends on tons) +$500 for LMI ● +$1000-$2000 through contractor (depends on tons) ● Most common ● Most efficient IRA ● Typically just one room but can do multiple rooms as well ● *30% of cost tax credit ($2000 cap/yr) incentive ● Don’t work well with small rooms (<10’x10’) from IRA ● The one most contractors are used to ● *up to $8000 rebate LMI Incentive from IRA Page 37 of 43 Furnace Replacement (Centrally ducted) ● Straight swap in replacement for a gas furnace ● Fewer experienced contractors ● Existing ducts may need to be upsized BED ● $1250-$6250 (depending on efficiency) ● +$400 for LMI ● +$1000-$2000 through contractor (depending on efficiency) IRA ● *30% of cost tax credit ($2000 cap/yr) incentive from IRA ● *up to $8000 rebate LMI Incentive Heatpump Heat Old Furnace Replaced With from IRA Exchanger Page 38 of 43 Boiler Replacement (Hydronic - baseboard or radiant floor) ● swap in for a gas boiler ○ Likely need to swap out radiators as well ● Very few experienced contractors in VT ○ More common in UK BED and Australia ● $2000/ton ● +$400 for LMI IRA ● *30% of cost tax credit ($2000 cap/yr) incentive from IRA ● *up to $8000 rebate LMI Incentive from IRA Page 39 of 43 Questions Resources/Thanks To ● Burlington Electric Department ○ https://www.burlingtonelectric.com/rebat es ○ Brian ● Rewiring America ○ https://www.rewiringamerica.org/app/ira- calculator ○ Great compilation of the IRA incentives ● Technology Connections Youtube ○ https://www.youtube.com/watch?v=CVL LNjSLJTQ&t=2s ○ Great resource explaining how this technology works and its pros and cons ● Mr. Electricity ○ https://michaelbluejay.com/electricity/ ○ Outdated but awesome website explaining how you can save on utility bills ● Energy Action Network ○ https://eanvt.org/annual-report/ ○ Incredible organization that, among other things, tracks VT’s progress in reducing GHG emissions Page 40 of 43 Insulation ● Plastic windows Heat flows 3 ways ● Window Inserts 1. Conduction ● curtains ● Latch windows 2. Convection ● Caulk window trim 3. Radiation ● Spray foam holes ● Door seals ● Threshold sweep ● New windows ● New doors ● Basement insulation ● Attic insulation ● Wall insulation ● White roof Page 41 of 43 Special Loans ● Efficiency Vermont - Home energy Loan ○ Low to no interest for low and moderate income households Page 42 of 43 NPA 2&3 march 2024 presentation https://www.youtube.com/watch?v=xbRU01bRKvU&list=PLljLFn4BZd2N95y-kUze wx0ZN0Tf8rLo_&index=2 Page 43 of 43