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This document summarizes the key financial improvements and focus areas for a bank in 2007 and 2008. In 2007, the bank improved its net income by $2.2 million through increases in net interest income and margin, improvements in cost control of non-interest expenses, and growth in non-interest income from fees. The bank also improved its efficiency ratio and saw increases in total assets and deposits. In 2008, the bank's focus will be on growing deposits through marketing and referrals.
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How To Get Student Loan, How To Get Student Loans At Low Interest, How To Get Student Loans From Banks, How To Get Student Loans In Canada, How To Get Private Student Loans, How To Get Student Loans For Graduate School
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The document discusses recent mortgage updates in the UAE in 2020 in response to the COVID-19 pandemic. The Central Bank of the UAE introduced several new initiatives to help those facing financial difficulties, including postponing mortgage payments for up to 6 months, reducing interest rates to a fixed rate of 2.07%, eliminating or reducing processing fees, and increasing loan-to-value ratios for property purchases. These measures make buying a property more affordable and provide temporary relief to those unable to make mortgage payments due to the pandemic.
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Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog: https://financebuddha.com/blog/home-loan-vs-home-construction-loan
Bioregionalism
The document describes a person's journey over several decades to find a place to live in accordance with their values of permaculture, traditional culture, and community. They analyze regions of France that meet their interests in traditional dance and permaculture, eventually choosing a small house in Prades, Pyrenees-Orientales. The design process for renovating the house involves site analysis, criteria development, and consideration of yields, costs, and how the project aligns with permaculture principles.
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FY13 CPS Budget Briefing
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Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog: https://financebuddha.com/blog/home-loan-vs-home-construction-loan
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Primetime permaculture
This document discusses using the popular UK TV gardening program "Gardeners' World" as a learning resource to teach permaculture concepts and principles. It proposes taping segments of the show and creating accompanying worksheets to have students identify how the hosts discuss and demonstrate permaculture ethics like earthcare, peoplecare and fairshare without explicitly naming them. This active learning approach could help new students relate abstract permaculture ideas to practical gardening examples.
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Supporting the vision
1) The document discusses the development of the Brighton Permaculture Trust (BPT) over time, including educational courses offered, projects undertaken, and organizational structure.
2) It describes analyzing the core functions and policies of BPT using permaculture principles and metaphors like pioneer species and forest gardening.
3) The trustees aim to demonstrate permaculture principles in their governance, but finding the right balance between supporting projects and caring for people has at times been difficult.
Being a sustainable learner
This document outlines a lesson plan aimed at helping learners reflect on how they have developed as sustainable learners over the course. The plan uses concepts from permaculture design such as zones and sectors to map out how a learning support group naturally displays permaculture principles and ethics. The lesson guides students through activities to identify their learning styles, challenges them to develop new ones, and reflects on how course concepts like permaculture design can be applied to creating sustainable lifelong learning practices.
Marcos Ton Curriculum, Resume e Referências Linkedin
Marcos Ton is a 46-year-old consultant, trainer, business coach, and action learning coach with over 15 years of experience developing leadership and sales teams for national and multinational companies in Brazil. He has an MBA in engineering and innovation as well as specializations in business consulting, education management, strategic human resource management, and e-business information technologies. Ton teaches post-graduate courses in sales negotiation and technical courses in sales administration. He volunteers as a business mentor for small and medium enterprises and with organizations focused on student entrepreneurship and Bible study.
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fannie mae investor Summary
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The document provides financial results for AES Corporation for the fourth quarter and full year of 2008. Some key points:
- AES met its full year 2008 guidance for consolidated operating cash flow of $2.2 billion and free cash flow of $1.4 billion.
- For the fourth quarter, consolidated revenues decreased 3% to $3.5 billion due to unfavorable foreign currency translation, while consolidated gross margin decreased 17% to $674 million.
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Primetime permaculture
This document discusses using the popular UK TV gardening program "Gardeners' World" as a learning resource to teach permaculture concepts and principles. It proposes taping segments of the show and creating accompanying worksheets to have students identify how the hosts discuss and demonstrate permaculture ethics like earthcare, peoplecare and fairshare without explicitly naming them. This active learning approach could help new students relate abstract permaculture ideas to practical gardening examples.
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The document describes a permaculture design project from 1996 involving designing a small garden allotment. [1] Key elements of the design included zone 1 biodiversity, natural patterns, edges, layering, stacking in space and time, multifunctionality, self-regulation at a small scale, perennial plants with no digging, cycling, guilds, and incremental design to meet client needs. [2] The author learned through trial and error, such as attaching a water butt incorrectly. [3] Over time, the author's designs evolved from non-permaculture inspired to using permaculture design principles like identifying zones, applying principles, and taking a wait-and-see approach.
Alg case study
The document describes an action learning project involving three individuals - Jan, Pippa, and Don - who worked together over four years to develop the Brighton Permaculture Trust and design course. They formed an action learning guild to support each other through the permaculture design diploma process. The guild met regularly and provided feedback and support. Through their collaboration, all three individuals were able to complete the diploma, and a new area reference group was formed to support further diploma students in the region.
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1) The document discusses the development of the Brighton Permaculture Trust (BPT) over time, including educational courses offered, projects undertaken, and organizational structure.
2) It describes analyzing the core functions and policies of BPT using permaculture principles and metaphors like pioneer species and forest gardening.
3) The trustees aim to demonstrate permaculture principles in their governance, but finding the right balance between supporting projects and caring for people has at times been difficult.
Being a sustainable learner
This document outlines a lesson plan aimed at helping learners reflect on how they have developed as sustainable learners over the course. The plan uses concepts from permaculture design such as zones and sectors to map out how a learning support group naturally displays permaculture principles and ethics. The lesson guides students through activities to identify their learning styles, challenges them to develop new ones, and reflects on how course concepts like permaculture design can be applied to creating sustainable lifelong learning practices.
Marcos Ton Curriculum, Resume e Referências Linkedin
Marcos Ton is a 46-year-old consultant, trainer, business coach, and action learning coach with over 15 years of experience developing leadership and sales teams for national and multinational companies in Brazil. He has an MBA in engineering and innovation as well as specializations in business consulting, education management, strategic human resource management, and e-business information technologies. Ton teaches post-graduate courses in sales negotiation and technical courses in sales administration. He volunteers as a business mentor for small and medium enterprises and with organizations focused on student entrepreneurship and Bible study.
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Marcos Ton Curriculum, Resume e Referências Linkedin
Marcos Ton Curriculum, Resume e Referências Linkedin
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Qwest Communications reported its fourth quarter and full year 2007 results, highlighting growth in key areas. Net income grew substantially both year-over-year and quarter-over-quarter. Adjusted free cash flow also grew 29% for the full year. Qwest expanded adjusted EBITDA margins by 190 basis points for the full year through continued improvements in productivity and cost reductions. Consumer bundle penetration reached 62% in the fourth quarter, driving higher consumer revenue per user.
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U.S. Bancorp reported net income of $1,090 million for Q1 2008, down slightly from $1,130 million in Q1 2007. Earnings per share were $0.62, down 1.6% from the prior year. The results were impacted by a $492 million gain from the Visa IPO, $253 million in impairment charges, and $192 million in increased credit loss provisions. Net interest income was up 9.8% to $1,830 million due to loan and securities growth and a higher net interest margin of 3.55%. Noninterest income rose 18.6% to $2,044 million, reflecting organic fee income growth of 7.3% and
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Smurfit-Stone Container Corporation reported improved financial results for both the fourth quarter and full year of 2007 compared to 2006. The company exceeded its strategic initiatives target of $420 million in savings for 2007. Higher average prices, operational improvements, and cost savings drove the increased earnings. Smurfit-Stone expects further year-over-year profit growth in the first quarter and full year of 2008.
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U.S. Bancorp reported net income of $1,130 million for the first quarter of 2007, down slightly from $1,153 million in the first quarter of 2006. Diluted earnings per share were $0.63, equal to the prior year. The net interest margin declined to 3.51% from 3.80% a year ago due to competitive pressures and changes in the yield curve. Noninterest income grew 5.1% driven by fee businesses, but this growth was offset by increased credit costs and the impact of items in the year-ago period. Overall results were solid given the challenging environment, and credit quality remained strong.
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Fannie Mae's financial results for Q1-Q3 2007 reflected a tough market environment and significant remediation efforts. Relative to 2006 Q1-Q3, net income available to common stockholders decreased 63% to $1.1 billion due to higher credit expenses, losses on guaranty contracts, and lower net interest income. Administrative expenses decreased slightly while the mortgage credit book of business grew 10%. Credit-related expenses increased significantly to $2.0 billion from $0.5 billion in 2006 Q1-Q3. Overall, Fannie Mae's results were negatively impacted by a weaker housing market and credit environment.
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The document summarizes Pepsi Bottling Group's second quarter 2008 earnings conference call. It discusses non-GAAP financial measures used by the company to provide meaningful year-over-year comparisons and evaluate underlying business performance. Items affecting comparability between years are also reviewed, including restructuring charges, asset disposal charges, and tax items. Specific metrics for certain international markets and 2008 guidance figures both on a comparable and reported basis are also presented. Operating free cash flow is defined and full-year 2008 expectations provided.
Masco Corporation 2012 Fourth Quarter Presentation
Masco reported its financial results for the fourth quarter and full year of 2012. Key highlights included improved fourth quarter results that provided momentum heading into 2013, with sales growth driven by increased North American new home construction and successful new product introductions. All of Masco's business segments contributed to increased sales and operating margin growth in the fourth quarter. Masco also delivered on its strategic priorities for 2012, which included improving its cabinetry and installation service businesses, reducing debt, investing in growth, and gaining market share in key brands.
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The document summarizes the company's financial results for the third quarter of 2007. It reported 6% revenue growth and 1% growth in operating profit. Earnings per share were up 9%. The company also saw a 13% increase in cash flow. For full-year 2007, the company is projecting mid-single digit growth in internal net sales and low single-digit growth in internal operating profit. It is raising its earnings per share guidance. For 2008, the company expects more sustainable growth.
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AES 4Q 08ER
The AES Corporation met its 2008 guidance for consolidated operating cash flow of $2.2 billion and free cash flow of $1.4 billion. For 2009, it provides guidance of $2.1-2.3 billion in operating cash flow, $1.4-1.6 billion in free cash flow, and $0.87-0.97 diluted EPS from continuing operations. It also achieved solid financial results in 2008 with a 19% revenue increase and 9% gross margin growth due to improved Latin America and Europe operations and cost reductions.
AES 4Q 08ER
The document provides financial results for AES Corporation for the fourth quarter and full year of 2008. Some key points:
- AES met its full year 2008 guidance for consolidated operating cash flow of $2.2 billion and free cash flow of $1.4 billion.
- For the fourth quarter, consolidated revenues decreased 3% to $3.5 billion due to unfavorable foreign currency translation, while consolidated gross margin decreased 17% to $674 million.
- For the full year, consolidated revenues increased 19% to $16.1 billion and consolidated gross margin increased 9% to $3.7 billion, driven by improved performance in Latin America and Europe.
- AES issued 2009 guidance forecasts
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U.S. Bancorp reported net income of $950 million for Q2 2008, down 17.8% from Q2 2007. Diluted earnings per share were $0.53, down 18.5% from the prior year. The decline was due to higher credit costs as the provision for credit losses increased $405 million over Q2 2007. Net interest income rose 15.6% to $1.908 billion from strong earning asset growth and an improved net interest margin. However, revenue growth was offset by a larger provision given stress in the housing and commercial real estate markets and the economic slowdown.
Fourth Quarter 2011 Masco Earnings Presentation
Masco's 2011 financial performance was disappointing due to a challenging environment including a flat housing market, difficult economic conditions in Europe, and commodity cost pressures. Key metrics such as adjusted EPS, margins, and free cash flow declined compared to 2010. Masco took actions in 2011 to reduce costs and rationalize underperforming businesses in order to better position the company for the current environment and future recovery.
ameriprise 4Q07_release
This document summarizes Ameriprise Financial's fourth quarter and full year 2007 financial results. Net income for Q4 2007 increased 49% to $255 million compared to Q4 2006. Adjusted earnings for Q4 2007, which exclude separation costs, increased 9% to $274 million. For the full year, net income grew 29% to $814 million and adjusted earnings increased 12% to $968 million. Management fees and financial advice fees grew 25% in Q4 2007, while net revenues increased 8%. The company saw solid growth across its business segments.
AES 4Q 07 Review
1) AES reported higher revenues, operating cash flow, and free cash flow in Q4 2007 and full year 2007 compared to the same periods in 2006. Full year 2007 results met or exceeded guidance targets.
2) Key drivers of the improved financial performance were higher prices and volumes in Chile, increased sales in Brazil, and contributions from new projects. However, this was partially offset by weaker results in Argentina.
3) AES continued progress on its portfolio optimization plans through asset sales in Chile and debt refinancing. The company also secured new projects in the Philippines and South Africa totaling 1,762 MW.
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The document summarizes Pfizer's second quarter 2008 earnings teleconference. Key highlights include:
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一比一原版新西兰奥塔哥大学毕业证（otago毕业证）如何办理
一模一样【微信：A575476】【新西兰奥塔哥大学毕业证（otago毕业证）成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Best Forex Brokers Comparison in INDIA 2024
Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
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Digital Transformation Frameworks: Driving Digital Excellence
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....
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United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
The Genesis of BriansClub.cm Famous Dark WEb Platform
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- Systematic strategy formulation and execution.
- Framework flexibility and automation.
- Enhanced alignment and strategic focus across the organization.
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2022 Vintage Roman Numerals Men Rings
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How to Implement a Real Estate CRM Software
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Easily Verify Compliance and Security with Binance KYC
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Understanding User Needs and Satisfying Them
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Digital Marketing with a Focus on Sustainability
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At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Industrial Tech SW: Category Renewal and Creation
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TIMES BPO: Business Plan For Startup Industry
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Business storytelling: key ingredients to a story
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Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
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How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....
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QCBT Retreat
- 1. Welcome! Thank You! 2008
- 3. Net Income (Incl. M2) $2.2 million improvement in 2007
- 6. 14 basis point improvement in NIM % in 2007 Net Interest Margin (as a % of average assets)
- 7. In Thousands of Dollars $2.1 million improvement in 2007 Net Interest Income Dollars
- 8. Consolidated Net Interest Margin
- 10. Improvements in all three areas in 2007 Non-interest expense (as a % of average assets)
- 12. Improvements in SC & Other Fee areas in 2007 Non-interest income (as a % of average assets)
- 13. Non-Interest Expense/ Net Interest Income + Non-Interest Income 6 basis point improvement in 2007 Efficiency Ratio
- 16. Consolidated Earnings per Common Share
- 18. Book Value of Common Stock vs. Fair Market Value
- 20. Deposit Mix & Growth
- 22. 2008 The Year of the D E P O S I T
- 23. John Anderson
- 24. Polly wants Deposits! Polly wants REFERRALS!
- 26. Brady Street
- 27. Five Points
- 28. Utica
- 29. Moline
- 30. Middle Road
- 31. The best people…. building the best relationships!
- 32. Mr. Louie Gravance
Editor's Notes
- Jill’s Welcome and Introduction – background slide Jill’s welcome and introduction – background slide.