IN THIS ISSUE…
|President’s Message||Safety Spotlight|
|Event Announcements||Code Notices & Updates|
|Legislative Watch||Committee Announcements|
|Items of Note||Training Center Courses|
|Member Benefits & Tools||National News from NRCA|
So, I only have two more president’s messages to write before my CRA president term is up. In this newsletter, I just wanted to recap a couple of my goals and concerns as president and also my hope for the CRA in the future.
In my first president’s message in January 2016, I told you a little about myself and my company. My goal was to show people that the CRA isn’t only for the big roofing companies; it’s also here for the smaller companies, and probably more so. Being a smaller company means you don’t have as many resources as some of the bigger companies, and the CRA is here to help share all of its resources with everyone.
I really believe in the CRA and what it represents. To me, the CRA is a place where we can come together as a group, learn from each other, help promote our profession, and be the best we can possibly be. Just look at the people that are involved in the CRA; they are some of the top leaders and professionals that the roofing profession has to offer.
You have heard me say this before, but as the president, one of my responsibilities is answering consumer complaints and I would say 90% of the complaints I receive come from non-members. Our members try and stay true to the CRA Ethics Policy and Mission Statement that they sign every year. I have also been trying to promote the CRA to the public, as president, to make sure they only use a member of the CRA to complete their work. Let us all continue to promote our association and drive more people to the CRA website, so that we can educate consumers, and our members, as much as possible.
The other goal, or concern, I have is getting young, new talent interested in our profession. I truly believe the subcontracting/employee business model is killing our profession and labor force. Instead of building-up our labor force like in the old days, when you started at the bottom and worked your way up the ladder, the trend is now to pass on the liability and responsibility to the subcontractor, of which, most of them are not true subcontractors. (Note: Someone has to be providing a W-2 somewhere down the employment line – not everyone on a crew can be a subcontractor and receive a 1099). If you ever look at a roofing subcontractor crew, there is usually one main guy that has the nice, big truck and trailer and is the one that receives the 1099. Then, you have the other poor guys on the crew that are working for a flat rate per day and getting paid under the table so they don’t have to pay taxes. That brings up another big issue — Workers Comp and General Liability Insurance Accord forms. Why an Accord form doesn’t specify the type of policy it is covering, and the number of employees on the policy, is beyond me? It’s hard to compete against the one employee WC policy, or landscaping GL policy. If the true “subcontractor” was providing a W-2, WC & GL insurance, benefit package and training for his laborers, they would probably give up on being a subcontractor and just become a supervisor for a roofing company.
By using subcontractors for your work force, you don’t have as many dogs in the fight when it comes to providing a good wage, health insurance, benefits, or trying to keep your employees busy year-round so they can make a future in this profession. One of the problems with the roofing profession is that it is too easy to get into, and it’s just as easy to get out of the business. There is no responsibility to anyone but yourself.
I tell my son and nephews, who are getting into the business now, that their biggest challenges they will have down the road is finding a workforce to install the work. I don’t need any more supervisors or foreman – everyone wants to do that job. It’s the actual guys swinging the hammer and working every day, rain or shine, that I need. Everyone knows roofing is hard work, so how are we going to attract people to our profession? I always think to myself, how can we make roofing easier? I don’t have the correct or easy answer to that question, but if we could show a new employee a future in the roofing profession – including a daily work schedule, a good wage, benefit package, training, etc. – from the time they swing their first hammer; show them how they can move up from there, through all the different avenues this profession can take you, we might have a chance.
The CRA is trying to help by providing you a place where you can send your employees to be trained at the CRA Training Center and to participate in the many classes offered there. I’m very excited about the Training Center and all the new ideas and training they want to offer us.
I think the CRA is as strong as ever, overall. I think by strengthening our membership requirements and adding our new Continue Involvement Units (CIUs), I can say that, at least during my term, we haven’t gone backwards. I hope you, our membership, feel that I’ve represented the CRA in a good manner.
I wish everyone a wonderful Thanksgiving – I know I have many things to be thankful for…
RTP Roofing Company
THANK YOU to our 2017 Sponsors!
|2018 Industry Leader Sponsors|
|A to Z Roofing||GAF Materials|
|ABC Supply Co.||GCP Applied Technologies|
|Academy Roofing, Inc.||Gulfeagle Supply|
|Advanced Roofing Technologies||Interstate Roofing|
|Arapahoe Roofing & Sheet Metal||K & P Roofing LLC|
|Architectural Sheet Metal & Panels||Malarkey Roofing Products|
|B & M Roofing of Colorado||Moody Insurance Agency|
|Beacon Roofing Supply||Owens Corning|
|Black Roofing, Inc.||Pinnacol Assurance|
|Daly & Black P.C.||Premium Panels|
|Elite Roofing||SPEC Building Materials|
|Elite Roofing Supply - CO, LLC||Tamko Building Products|
|Flatiron Steel||Tecta America - Colorado|
|Flynn Southwest LP||The Roofing Company|
|Front Range Roofing Systems|
|2018 Silver Sponsors|
|Alpine Roofing Co., Inc.||GBS Enterprises Roofing|
|American Roofing Supply||RTP Roofing Co.|
|Boral Roofing||Schafer and Company|
|Boulder Roofing, Inc.||Sheffield Metals|
|C3 Group Public Adjusters||Superoofs|
COLORADO’S BUSINESS ENVIRONMENT – NOW AND IN THE FUTURE | MEMBERSHIP LUNCH | THURSDAY, NOV 16, 2017 – Greg Lopez, the former mayor of Parker, is running for governor of Colorado in the 2018 primary. As longtime member of the Denver Hispanic Chamber of Commerce, a U.S. Air Force veteran, a small business owner and a 30-year resident of Colorado, he has continually found a way to be connected to Colorado’s civic life. Lopez most recently served as Colorado’s State Director for the U.S. Small Business Administration from 2008 to 2014 – acting as the voice and face of small business.
With a focus on small business and pro-business entrepreneurship, Greg will be speaking to the membership on his current observations on Colorado’s business environment, growth, and low unemployment and where he sees Colorado going and how it might affect our members today and in the future – good or bad.
Thursday, November 16, 2017
The Denver Mart – Forum Meeting Room #1
451 E. 58th Ave (I-25 & 58th Ave)
Free: First 2 Members from Same Company | $20: 3 or more Members from Same Company | $40: All Non-Members | Member CIU’s = 2 per person
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CRA FALL SPORTING CLAY TOURNAMENT | FRIDAY, OCTOBER 13, 2017 | Event Recap & Photo Gallery – CRA’s 4th Annual Tournament was a success. We had over 145 shooters who took time out of their busy season to enjoy some time off of work for a day of camaraderie and to test their shooting skills and abilities. We want to especially thank and acknowledge our participating members for being considerate and mindful of others throughout the course and for staying SAFE!! Members were treated to a delicious BBQ lunch followed by prize give-a-ways, the announcement of the tournament 1st, 2nd and 3rd place teams and our top two individual men and women shooters. The tournament made over $20,000 and directly benefits our association by allowing us to do a better job of educating Colorado consumers on making informed decisions about replacing their roof and selecting the right professional roofing contractor. Our fundraising efforts would not be possible without the support of our participating members and station, breakfast and lunch sponsors. A BIG THANKS to our Sporting Clay Committee members for organizing such a great event — Tracy Spence, American Roofing Supply, Mark Bellitt, Arapahoe Roofing; Mike Kelly, Statewide Wholesale/Beacon, Michael Baker, TAMKO and Ken McLauchlan, Drexel Metals. Congratulations and thank you to everyone for a successful day! For an expanded version of the Oct 13 tournament recap, click the link below to see the list of winners, sponsors, volunteers and photos of all the teams.
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AWARDS DINNER | Call for Job of the Year and Lifetime Achievement Entries. – We’ve seen and showcased some incredible jobs and honored several amazing industry professionals in the past 16 years. We can’t wait to see the projects completed in 2017. Let’s continue “raising the bar” here in Colorado . . . We want to see your outstanding work! Take the time to showcase the professionalism and expertise in your company. We encourage you to submit one or more of your jobs for consideration of an award.
The Awards Dinner was established to recognize the outstanding work done by members of the CRA. Every company has a job worthy of a nomination. The jobs don’t have to be the largest or the most expensive projects to be considered for an award. Many jobs often have special requirements or need unusual expertise for their completion. The Awards Dinner gives everyone in the Association a chance to see the work that is being done in our industry and to honor the contractors, material distributors and manufacturers who see these projects through to completion.
- Job of the Year – Job of the Year awards are given to roofing contractors in recognition of their outstanding work. Awards are given based on size of contract. Nominated projects must have been worked on and completed between December 2016 and November 2017. See application for complete details, list of all categories and the entry rules.
- “First Timer” Submission– Your company must be submitting a job nomination for the first time in the past 16 years. Based on the numbers of entries received, jobs will be categorized by contract dollar size if necessary.
- Community Service – Contractors, material suppliers, manufacturers and other associate members can nominate a worthy charitable roofing project that has benefited a local community or individual during 2017. Please note that projects coordinated as CRA Community Service Projects (i.e., Habitat Roof Over Your Head, etc.) are excluded. Manufacturer/Supplier/Contractor collaborations will be accepted & you can nominate yourselves.
- Lifetime Achievement Award– The Lifetime Achievement award is given to an individual in the roofing industry whose contributions have impacted our industry in a positive way. A Lifetime nominee should be an individual who has contributed to the success, development and continuation of the Colorado Roofing Industry. You may nominate anyone who is currently working in the industry, retired from the industry, or is deceased.
The contractors are the people who really drive the Association. We want you to be a part of the Awards Dinner. Submit a job. Come to the dinner. Join our elite list of winners. Find out about all the really good work that’s being done in our industry. Take pride in being a part of that industry. Let’s make this year’s Awards Dinner the most successful yet.
All entries must be received by December 1, 2017 by 5 pm (no exceptions!) and judging will be conducted by a panel of roofing industry experts selected by CRA.
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TRADE SHOW | Thursday, January 25, 2018 | Call for Vendors – Join us & connect with Colorado roofing industry professionals! CRA’s trade show is designed to provide an educational exhibit of the equipment and materials used in the roofing and associated industries; to provide a platform in Colorado for exhibitors to meet with customers and potential customers on a one-on-one basis; to distribute information on new products and services; and to provide the opportunity for attendees to compare existing products and services.
- CRA’s expanded trade show size and layout at The Denver Mart offers a favorable trade show environment that has sold out for the past several years. Be a part of the show’s continued success.
- CRA’s Tradeshow is a low-cost opportunity (as low as 37.5¢ per person) to make new contacts in a face-to-face environment.
- CRA’s Tradeshow is a way to get in front of many prospects and customers in a relatively short amount of time.
- CRA’s Tradeshow offers prime networking opportunities to make potential connections that will further your future business endeavors.
- It’s your opportunity to showcase your company’s new product(s) and services.
- Exhibitors include manufacturers, suppliers and applicators of roofing products and services in both the commercial and residential markets.
- Complimentary buffet lunch for all show attendees and exhibitors.
- Lastly … Your competition will be there. Shouldn’t you?
Over 1400 of Colorado’s roofing contractors, estimators, project managers, foremen, architects, engineers, consultants and building owners will be invited. Whether you want to showcase your products and services or build your company image, the CRA Trade Show is for you. Sign up today for this low-cost opportunity to meet face-to-face with your customers and prospects.
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LEGAL EXPOSURES | STEPHEN PHILLIPS | 1/2 DAY Pinpoint Seminar | Tuesday, December 12, 2017. – The following are two BIG EXPOSURE issues going on in the roofing industry here in Colorado and we are bringing in attorney Stephen Phillips, and other industry professionals, to educate you on what you should and should not be doing. We are working on finalizing the seminar details, but wanted to make sure that you mark the date on your calendar to attend.
- ARE YOU UN-KNOWINGLY ACTING AS A PUBLIC ADJUSTER? A COMMON CLAUSE IN CONTINGENCY CONTRACTS THAT SAYS YOU ARE!
- MANY POLICIES HAVE ROOFING EXCLUSIONS, HOW DO YOU DETERMINE IF YOUR SUBCONTRACTORS TRULY HAVE INSURANCE COVERAGE?
Tuesday, December 12, 2017
11:30 p.m. – 3:30 p.m.
$25 Member/$50 Non-Member | Member CIU’s = 4 per person
Registration and location information will be emailed soon!
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Click here to view the full 2017 Event Calendar – calendar includes additional event dates, member luncheons, pinpoint seminars, Training Center courses, etc.
We continue to monitor legislative issues at the state and local level along with public policy processes and municipal & county policy issues. Most recently we have been monitoring Green Roof and growth initiatives along with payment rights on Public-Private Partnership agreements and wanted to share the following information to keep our members informed.
DENVER | I-300 Green Roof Initiative – By a narrow margin, on Nov. 7, 2017, Denver voters approved the I-300 Green Roof Initiative that mandates green roofs on all new buildings with over 25,000 square feet of floor area. The Initiative also requires existing roofs on buildings with over 25,000 square feet of floor area to upgrade to a green roof upon roof replacement. The latter is the part that CRA is most concerned about, and that our Building Code and Standards Committee will be discussing in the coming months. The Initiative becomes effective Jan. 1, 2018. While changes may occur in the future, the Denver City Charter does not allow any change, or repeal, of a voter approved initiative for at least six months after the election and requires a two-thirds majority of Denver City Council. So, for at least six months and probably longer, the Initiative will go into effect as is. Read more here.
FUNDRAISING EVENT: CRA, ASAC and NUCA held our combined “Drive for the Stars Golf Tournament” on Thursday, November 9, 2017 at TopGolf – Centennial. We had over 100 participants and raised over $14,000 for our joint legislative efforts in 2018. A big thank you to all of you who donated and participated.
ROOFING DAY IN D.C. 2018 | CAPITOL HILL FLY-IN | MARCH 6-7, 2018 – Next March the roofing industry will come together as never before to make our collective voices heard in our nation’s capital during the inaugural Roofing Day in D.C. 2018. Reid Ribble, NRCA CEO, has been talking to the roofing industry for months about his “One Voice Initiative” that aims to unifying all segments of the roofing industry — contractors, suppliers, manufacturers, etc. As a former U.S. Congressman, Reid knows that a unified position is very important, but in electoral politics size matters, too. The most effective groups in Washington periodically descend on Capitol Hill offices en mass. They fill the corridors of the House and Senate office buildings. Their presence is inescapable. Their influence is undeniable. This is the status to which the roofing industry aspires. CRA will be helping coordinate Colorado’s efforts to promote and make Roofing Day in D.C. 2018 a success. The goal – to have 1,000 or more roofing industry representatives from all 50 states fly into Washington, DC to make their presence felt on Capitol Hill with a unified message. All representatives will meet with key staffers and members of their Congressional delegations to express concerns on one to two key policy issues affecting our industry. The challenges facing the roofing field have never been greater with workforce shortages, immigration restrictions, government regulations, and taxation burdens ( key issues will be finalized in 2018 closer to the event). CRA is hoping to get a minimum of 20 individuals to participate in the fly-in from Colorado. So, mark your calendars to attend and we will continue to share information with you as the details are worked out. If you are interested in being a part of the Colorado delegation, please let me know. Please also read the NRCA update below from Reid Ribble for further explanation as well.
Feel free to reach out to us if you have questions or hear of other legislation you are concerned about and would like us to follow!
The Roofing Company
CRA Gov’t Relations Chair
We have NO updates to report this month but will be meeting in November to discuss the Denver Green Roof mandate and how we can keep members updated moving forward.
We also want to encourage you to let us know if you have you heard of any upcoming building code changes with any of the municipalities you work with. Please share them with us by emailing the BC&S Committee via Debbie at email@example.com.
The CRA Building Code & Standards Committee is tasked to represent our members in code, inspection and enforcement issues related to the roofing industry and to facilitate improved communication between the roofing industry and Colorado Building Departments and Code Officials. Through the Code Guidelines on the CRA Website and in this monthly column, committee members share Building Department news and updates.
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What is RT3??? – Roofing Technology Think Tank (RT3), an emerging group of roofing industry thought leaders, launched a new informational website at www.RT3thinktank.com. The group is focused on disseminating technology information, research and updates obtained through RT3 meetings. RT3 is focused on serving the needs of the roofing industry with ongoing education, research and dissemination of their findings. “The Roofing Technology Think Tank (RT3) is a consortium of thought leaders exploring emerging technology solutions for the roofing industry, striving to inform roofing contractors by bringing together progressive and disruptive solutions that help build the professionalism and appeal of the roofing industry.” RT3 will encourage and enable contractors to embrace technology as they seek to grow their businesses. Click here for more information.
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Congratulations to Ken McLaughlan and Jeff Patch. Both CRA members are recipients of Metal Construction Association Triumph Awards held at METALCON on Oct. 18, 2017. Triumph awards celebrate metal industry professionals whose accomplishments demonstrate outstanding commitment to advancing the metal construction and building industries. Ken McLaughlan, Drexel Metals, received the Industry Sales Person of the Year award and Jeff Patch, Premium Panels, received the Entrepreneur of the Year award. Congratulations to both!
CRA Sponsored OSHA 10-Hour Construction Safety and Health Training (English) | Nov 30-Dec 1, 2017 – In partnership with Pinnacol Assurance, CRA has scheduled an OSHA 10-Hour Training on Nov 30-Dec 1, 2017. The Member cost is only $50.00. You can’t beat this price for a day and ½ course with food!! Topics Include: Occupational Safety and Health Act Overview, Materials Handling, Personal Protective Equipment, Fall Protection, Electrical Safety, Health and hazard communication, Hand and power tools, Stair and ladder safety, Scaffold safety and Excavation and trenching safety. Upon successful completion of this course participants will receive an OSHA Construction Safety Health 10-Hour Card. Class registrations will be taken on a first come first serve bases. Class will hold 40 – limit 4 per company. | Member CIU’s = 4 per person | REGISTER HERE NOW!
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ROOFER Specific Modified Duty Task List – Return-to-Work/Modified Duty is specifically designed to ease the pivotal period from injury to return to full-time job duties. Do you need to rejuvenate your program or task list? CRA’s Safety Committee recently met to discuss this and we wanted to share a quick overview of return-to-work (RTW) and share a sample list of modified duty tasks specifically for roofers. Edit this list to fit your company and then send it with an injured employee to have the Doctor fill-out!
What is the Modified Duty Program? Modified Duty is a proactive approach to returning injured employees to a safe and productive work environment after they have suffered a work-related injury or illness. Although injured employees may be unable to perform their regular jobs, they can often do alternative productive work while recovering fully from injuries. A Modified Duty Program will provide temporary alternative work to employees who have suffered a work-related injury or illness that is consistent with the medical restrictions prescribed by their treating physician.
Why Have a Modified Duty Program? The Modified Duty Program is designed to reduce the negative impact of job-related injuries and illnesses. Studies have shown that injured workers recover faster when they have the opportunity to participate in modified duty return-to-work. Studies also indicate such a program can have a positive impact on employee morale for both the injured worker and their co-workers and decrease employee turnover.
Click here for the ROOFER Modified Duty/RTW Task List – a sample list of duties put together by roofing contractors.
“SNOW DAY” RENTAL AVAILABLE – It hasn’t completely arrived yet, but the snow will start flying in the next few months. We want to remind members that they can take advantage of our SNOW DAY rental. Do you keep failing inspections for the same reason? Do you need to work on improving a specific roofing technique, learn a new application or train a new crew? Turn your next snow day into a productive way to improve on installation techniques. CRA’s training space offers you a ‘roofer friendly’ indoor environment with class space for up to 30 individuals. The CRA Training Center is located at 1660 Jasper Street, Unit I in Aurora, CO and is designed specifically for roofers and roofing applications. The space can be used for all types of steep and low slope materials and roofing systems. You or your foreman become the instructor. We provide the space and mock-ups and you provide your own materials, supplies, tools, etc. This is a half-day rental with time for set-up, tear-down/clean-up and is contingent on date availability. The cost to rent is $500 with a $200 refundable damage deposit. You will be required to sign a rental agreement. Contact Debbie Hathorne for more information/details.
National Update: Worth sharing … from Reid Ribble & NRCA.
In mid-October, NRCA conducted there Fall Committee Meetings and Legislative Conference in Washington, D.C. With more than 100 volunteers in attendance, NRCA’s committee work advanced. I was encouraged not only by the attendance but also by the attendees’ energy. There is something invigorating about watching industry leaders lead. It didn’t seem to matter what the topic was—members are finding their home and, more important, working to make the industry a better place.
I especially was drawn to the involvement and energy of members centered around our effort to certify workers. We are well aware there are tens of thousands of capable, trained workers in the field. The quality of the industry’s work is a daily testament to this fact. We are equally aware we have a serious shortage of new workers entering the roofing industry. Providing certifications offers a career path for workers and levels the playing field with other trades. It’s an idea whose time has come and will help secure the industry’s future.
Yet an effort like this takes a lot of time. Delivering training is not new to NRCA. What’s new is the scope and wide-ranging landscape we face. We have identified 19 disciplines in which workers can earn certifications, and as we advance, we may discover others. Developing the test to verify a worker’s competency is a huge undertaking and doesn’t even address the training needed for future workers. I say all this to ask for patience. We are moving forward. Our Executive Committee has properly funded this work, and the education team in Rosemont, Ill., is carrying the load.
During the first week of October, NRCA conducted a pilot training program with 24 trainers at Johns Manville’s Rockdale, Ill., facility. The purpose was to test the operating model for training people to train others and conduct competency assessments. Following the training, attendees broke into roundtable discussions and offered critical analyses of the process and advice regarding how to move forward. I want to thank Johns Manville for its hospitality and the attendees for their time. Each one made a difference, and the feedback was invaluable.
Education is not the only thing we are working on; advocacy also is playing a larger role in our work. Whether it’s before code bodies, ASTM International or the federal government, our staff is fully engaged. But that is not enough. We need you to be engaged to really make a change. This especially is true in Washington, D.C.
NRCA is planning a fly-in to Washington, D.C., March 6 -7, 2018. We are hoping 1,000 or more roofing industry stakeholders will participate in the event. Too often, elected officials view the world through the lens of their next elections. If an entire industry expresses interest in a specific policy change, members of Congress can be persuaded to accept that change. However, if industries have individual groups approach Congress with only narrow interests in mind rather than the broader interests of the industry, their efforts often are fruitless. Let me give you an example of how this backfired on the financial services industry.
Every year while I was in Congress, large delegations from the banking and credit union communities would come to Washington, D.C., to meet with legislators. And every year, the credit union folks asked for relief from specific commercial lending restrictions. The bankers opposed them getting the restrictions. The bankers wanted to see certain tax provisions that favored credit unions removed and wanted to make sure credit unions could not expand further into commercial lending. What ultimately happened was a stalemate. Neither side got what it wanted because they could not agree on what was best for the entire financial services industry and were unable to set aside their differences. Furthermore, because they often were at war with each other, other things they might have achieved that would have helped both of them never happened because of the internal feud.
We risk a similar thing happening in the roofing industry. This is why we must speak with one voice: contractors, distributors, manufacturers, designers, labor and management together. We remove unnecessary obstacles when we do so in an organized, united manner.
We are embarking on a quest to find the top two or three issues that unite the industry. If we are successful in doing this, Congress will respond in ways we have never dreamed about. If we set aside the one or two points of contention and instead focus only on areas of agreement, we will completely disarm any objection elected officials might have. All they will see is a potentially united voting body. That is exactly what we want them to see.
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Don’t forget to make plans to attend the 2018 International Roofing Expo® (IRE) and NRCA’s 131st Annual Convention Feb. 4-8 in New Orleans. The event is expected to draw thousands of roofing professionals from around the world and offer top-notch educational programs. The keynote address will be delivered by NBA legend Julius “Dr. J” Irving. Hotels always fill quickly, so be sure to reserve your room as soon as possible. For more information and to register, go to www.theroofingexpo.com.
This month’s highlighted member benefits and tools.
Start Marketing Your CRA Membership to Consumers! A beneficial marketing tool for you to use in promoting your CRA membership to customers. Just click on the link, print as many as you need and start using in your sales packets and presentations right away.
Concerning Ladder Liability. Help us in educating consumers and concerned citizens about the liability and risks involved with unattended ladders set for inspectors.
CRA Safety Group Workers’ Comp Program. Receive a 4%-upfront discount, group or individual loss history dividend calculation and much, much more. Members of the program automatically belong to the CRA Safety Group whose focus is on continuing safety education and training and improving safety in the roofing community. In partnership with Moody Insurance Agency and Pinnacol Assurance. Call Kim Burkhardt. at 303-824-6600 to receive additional information regarding this program.
Delivery of the E-Newsletter to Your Inbox
To guarantee delivery of the newsletter to your e-mail inbox each month, we ask that you add Debbie Hathorne to your address book using the following email: firstname.lastname@example.org. By adding this address to your contact list, we hope to avoid spam blockers/junk mail folders and ensure your receipt of the CRA newsletter in your inbox each month. Thank you.
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