Call to Order
Vice Chairperson Shirley Daggett called the meeting to order at 1:35 PM with a quorum present.
Minutes of Previous Meeting (Available on the website)
Vice Chairperson Daggett asked for discussion of the Minutes of April 30, 2003. Commissioner Hunter asked for clarification of the statement on page 5 regarding notification to licensees and permittees of the prohibition on drink specials. She understood that letters were going to be sent to all the bars. Mr. Walding replied the notice will be included in the next Iowa Liquor Quarterly and the minutes were correct as written.
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Motion: |
Commissioner Hunter moved the Minutes of April 30, 2003 stand approved as submitted. Commissioner Scott Doll seconded the motion. The minutes, by unanimous vote, were approved. |
Election of Officers
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Motion: |
Commissioner Hunter nominated Shirley Daggett as Chairperson, Gayle Collins as Vice-Chairperson and Dick Stoffer as Secretary. Commissioner Doll seconded the motion. The officers were elected by unanimous vote. |
Dram Shop Reform
(The forum was conducted in a roundtable
format.)
Lynn Walding opened the public forum by explaining that the Commission has authority under the law to set the minimum coverage required for dram shop insurance. For the first time in 40 years, the Commission, through Administrative Rule, increased the dram shop minimum level requirements. The Dram Shop Administrative Rule went before the Administrative Rules Review Board where it was approved and given a general referral. A general referral means the Rule can be targeted for discussion during the next legislative session.
Mr. Walding presented a PowerPoint presentation detailing the dram shop limits for the past 30 years and the amounts that become effective with the passage of the new Dram Shop Administrative Rule.
Throughout the administrative rule process, Commissioners heard a variety of complaints regarding dram shop and it became apparent there is potential for improving the dram shop statute. The decision was made to hold a series of public forums throughout the state. The Cedar Rapids hearing is the second of four hearings scheduled. Highlights from the first hearing, held April 30th in Des Moines, included:
- Ban on All-You-Can-Drink Specials.
- Rate the risk.
- Server training laws and stricter enforcement.
- Concern about the potential impact of .08.
- Inclusion of off-premises establishments in dram coverage and liability.
- Effect of new dram rates in reducing premature settlement by dram carriers.
Vaughn McClelland - Owner of a small bar and restaurant in Cogan
Mr. McClelland stated he is required by his dram shop insurance carrier to file receipts for all sales, including his carryout sales. Off-premises accounts are not required to carry dram shop insurance and have no dram shop responsibility for beer sold to go. Mr. McClelland objects to the requirement that his off-premises sales must be included in his dram shop insurance. He pointed out that if an individual buys a 12 pack of beer at the grocery store, then that same individual enters his bar, does not consume any drinks in the bar but purchases another 12 pack to go, Mr. McClelland can be sued if that person later becomes involved in an accident. The grocery store cannot be sued. He pointed out that convenience stores and grocery stores buy higher volumes of beer and can sell it cheaper; however, they assume no responsibility if an accident occurs.
Kathleen Neylan - Attorney from Elkader
Ms. Neylan expressed her concern with the "sell and serve" portion of the Iowa Code. She pointed out that there are establishments that give away beer, particularly to minors. In those cases, there is no coverage because the alcohol was not sold. Ms. Neylan cited a case she took to the Iowa Supreme Court where two minors were killed and a third minor was injured. The driver walked away and there was no legal recourse. She argued that the dance hall area where the alcohol was served was not part of the tavern premises because the dance hall area was not included in the sketch when application was made for the license; therefore the general liability should apply under social host liability. However, under the second paragraph of 123.92 of the Iowa Code, licensees and permittees are exempted from the social host liability. The licensee was also exempted because he did not sell and serve the alcohol. Ms. Neylan would like to see the legislature reexamine the wording of 123.92. She would like for licensees who use alcohol promotions to be held accountable for their actions. Ms. Neylan pointed out that 123.92 is confusing because it has been amended many times. In addition, there is no common law, only what the legislature provides in the statute for liability. Ms. Neylan's case was Hothe vs. Misner and the full opinion was not published. The abbreviated opinion basically said that the dram shop owner's defense was that the ballroom was nevertheless operated as part of his commercial enterprise; therefore, the dram shop laws as opposed to the social host liability laws covered him. There is no liability under the dram shop because the person has to sell and serve and the owner neither sold nor served the alcohol.
When Mr. Walding asked Ms. Neylan for proposed language in lieu of the current sell and serve language, Ms. Neylan replied that she could certainly provide language for the Commission.
Dan Marquart asked if Ms. Neylan could have applied subjective bad faith under 123.49 in her case. He pointed out there is a difference in a bad operator knowingly serving minors and running a drink-until-you-drop promotion and a good operator who sells and serves a drink to a legal age patron who, unbeknownst to the operator, gives the drink to a minor. Ms. Neylan stated the only defenses are complicity and assumption of risk.
Mr. Walding stated the Iowa ABD examines the specific facts of each case when administering sanctions and penalties.
Paul Trostel, Chairman of the Board of the Iowa Hospitality Association (IHA), Board Member of the National Restaurant Association and Business Owner
Paul Trostel commented that the industry is definitely concerned about protecting the public and providing compensation for innocent third party victims through dram shop insurance. He pointed out that only 20% of all the alcoholic beverages sales in the state of Iowa are sold at on-premises establishments. The proliferation of convenience stores, gas stations, and other carry-out establishments that sell ready-to-drink alcoholic beverages comprise the other 80% who are not required to carry dram shop insurance. Victims can only sue the on-premises establishments who are required to carry dram shop insurance even though the perpetrator may have purchased additional alcoholic beverages at a convenience store or a gas station. Mr. Trostel would like to see those who sell beverages ready for consumption - cold beer, cold wine - share in the risk and be required to carry dram shop liability coverage.
Mr. Trostel expressed concern that it will be more difficult for operators to determine whether a person is legally intoxicated at .08. Some individuals show no effects of alcohol at .08. Mr. Trostel also pointed out that most accident fatalities are caused by problem drinkers, those who register .20 or higher.
Dram shop rates are currently based on the bar or restaurant owners receipts for alcohol sales. Those who charge a cover charge at the door and sell penny pitchers pay less for dram shop insurance because the door cover charge is not included in the alcohol receipts. Those who charge a higher price for their drinks sell less but pay more for dram shop insurance. A more equitable way according to Mr. Trostel, speaking on behalf of the Iowa Hospitality Association, would be to base the rates on alcohol purchased by the on-premises establishments. The amount purchased is easily obtainable from the liquor, wine and beer distributors.
In addition Mr. Trostel suggested levying a surcharge on each bottle or can of alcoholic beverages. The surcharge would be used to establish a fund, managed by an outside group or agency, to act as an "umbrella" in the payment of large claims to innocent third party victims, thus lowering the dram shop rates for everyone in the industry.
Gary Heiar, Morroco Supper Club in Dubuque
Mr. Heiar has been a businessman in Dubuque for the past 27 years. He serves on the state board for the Iowa Hospitality Association and is also the Dubuque Chapter president. Mr. Heiar said the entire state has problems with the all-you-can-drink specials. The specials lead to infractions with minors and other problems and he would like to see the all-you-can-drink specials banned.
Mr. Walding stated the Des Moines Register recently reported that the Iowa Coordinating Council, the Regent's institutions in all the four-year colleges in Iowa, unanimously endorsed all the recommendations of the Commission's White Paper including the all-you-can-drink ban.
Brian Godwin, Business owner of four restaurants in Cedar Rapids
Mr. Godwin commented that although many would agree with the principle of banning all-you-can-drink specials, he is concerned with how it is defined. He pointed out creative people will find loopholes such as "buy two pizzas for $20 and get X amount of pitchers of beer free."
Mr. Godwin commented that although many would agree with the principle of banning all-you-can-drink specials, he is concerned with how it is defined. He pointed out creative people will find loopholes such as "buy two pizzas for $20 and get X amount of pitchers of beer free."
Mr. Walding responded the recent article about "ladies night" specials produced calls from retailers wanting to call it "skirt night" or "high heel night". The Division does have examples of other states' legislation on drink special bans to use as examples. Although it will not be easy to find an exact way to ban the specials, the law can reduce the ability of those establishments to advertise all-you-can-drink specials that will discourage the practice. The bars in the Des Moines area want people to know when they are running the specials so keeping the advertising off the air should prove to be an effective tool.
Mr. Godwin expressed concern that if he wanted to push or serve, not give away, a product that he would not be allowed to do so. He is concerned the ban will curtail legitimate business marketing.
Mr. Walding said that all-you-can-drink practices encourage high risk drinking which in turn creates the access which creates the liability which drives up the amount the insurance companies have to pay out. Ultimately, when the insurance companies have to pay out, they are going to set the premiums to recover the cost they paid out plus make a profit. If the payout can be reduced, the premiums for all bar owners should go down. Even if bar owners don't offer the promotions, they are impacted through their dram shop insurance rates.
Jean Volpalka, owner of a small bar in Belle Plaine
Ms. Volpalka expressed her concern about insurance agents canceling a bar's dram shop insurance because a claim was filed, even though it was not a legitimate claim. Twice in the past twenty years, Ms. Volpalka's business has been mistakenly named in a dram shop insurance case. The attorneys name every bar in the area "just in case" the person involved in the accident had been drinking at any of the bars prior to the accident. In one case, the widow named every bar her husband had ever patronized in the neighborhood "just to be safe". Ms. Volpalka had to hire an attorney to answer the charge. In the second case, although the person was never in her bar, the insurance company cancelled Ms. Volpalka's dram shop insurance policy.
Mr. Walding replied a common complaint heard during the dram administrative rule change was that insurance companies settled prematurely. Bruce Brailey, the incoming president of the Iowa Trial Lawyer's Association, spoke at the Des Moines hearing about a "consent to settlement" clause and a "hammer" clause used in medical malpractice suits. The doctors use the "consent to settlement" clause when they are willing to pay the cost of litigation rather than accept a settlement contrary to their interests. Mr. Walding suggested that may be something appropriate for this industry.
Mr. Trostel clarified that the current dram shop policy does not have a "consent to settlement" clause for dram shop. He pointed out that insurance companies also have a "hammer" clause used when the insurance company thinks the case can be settled for a reasonable amount. The insurance company informs the insured physician and even if the doctor doesn't agree, the insurance company can settle the case rather than litigate it using the "hammer" clause. The industry could ask the dram shop insurance companies for a "consent to settlement" clause in the policy so the industry can make the insurer fight further to reduce the possibility of a rate increase or cancellation. Mr. Walding pointed out there would be an additional charge for the clause if insurance companies included a "consent to settlement" clause.
Cindy Bramblett, Mulligan's Grill at the Beaver Hills Country Club in Cedar Falls
Ms. Bramblett, past chairperson of the Board of the Iowa Hospitality Association, stated that most in their association are very concerned about the drinking problem and most carry more than the minimum dram shop insurance. Their major concern is that the issue be studied and become fairer across-the-board. Ms. Bramblett advocates basing the rate on the amount of liquor used rather than the amount of sales.
Jim Trager, First Western Insurance Company
In response to a question by Commissioner Doll, Jim Trager explained
that insurance premiums are based strictly on per thousand dollars
of sales. If a client has a claim, depending on the reason for the
claim, the insurance company may add a surcharge to the policy.
The insurance company does not increase the premium for all insured
clients due to a loss incurred by one client. Mr. Trager also clarified
that the average pay out for a dram shop insurance claim is not
a million dollars. (At the April meeting, Fred Taylor made the statement
that if you have a million dollar payout, it takes a lot of premiums
to make that million back.)
When Judy Seib was doing research for the regulatory analysis
for the dram shop rule, she found that the rating of policies varies
with companies. Traditionally, the premium is based on sales with
considerations for the number of claims that have been paid at that
location. Other considerations factored are whether there is a dance
floor and a band, volleyball courts, or server training offered
for all employees. Ms. Seib estimated there are currently 6 –
8 companies writing dram shop insurance in Iowa.
Ms. Seib stated her research shows that in some states where the
minimum limits are higher, the premature settlements are lower;
however, she does not know whether that holds true in every state.
It appears that when a company is faced with a higher payout, the
company is more willing to litigate based on the risk/loss ratio.
If companies litigated everything, premiums would be even higher.
Mr. Walding pointed out that the current limits of $10,000 per
person and $5,000 for loss of support are far below the national
average of the 27 states who require dram shop insurance. Iowa will
fall in the mid-range when the new minimums become effective in
September.
Dan Marquart - Cedar Rapids Business Owner
Mr. Marquart commended Mr. Walding and Ms. Seib on the inclusion of almost all his concerns when he attended the April 30th meeting in Des Moines. Mr. Marquart stated that he has no problem with requiring mandatory training. He also said he would have no objections to raising the dram shop minimums to a million dollars. Mr. Marrquart encouraged the Commission to look at the sloppy operators in the business. He pointed out that insurance premiums based on purchases rather than on sales, would force bad operators out of the business. Those remaining would be operators who own their own equipment, building and land and will take care of their customer and the citizens in the community.
Wisconsin has no dram shop laws, according to Mr. Marquart. They do, however, have some laws that protect the health of their citizens. Mr. Marquart encouraged the Commission to look at those laws. Convenience stores are not allowed to sell single cans of beer in Wisconsin. In addition, take-out beer and liquor cannot be sold after 9:00 PM in Wisconsin. Mr. Marquart asked that the Commission make drinking a planned activity by adopting a law or administrative rule similar to Wisconsin's laws. Mr. Walding stated the Division would research that law.
Ms. Neylan added that the townships in Wisconsin could elect whether to sell alcoholic beverages after 9:00 PM. She cited two townships, side by side, where one township allowed the sale of alcoholic beverages after 9:00 PM and the other township did not. Mr. Walding commented that unlike Wisconsin and Illinois, Iowa is not a home rule state.
Doni DeNucci, Iowa Hospitality Association (IHA)
Ms. DeNucci reiterated that the people in the hospitality industry take their responsibilities very seriously and it is not their intent to serve patrons to the point of intoxication and have them hurt someone. She would support weeding out the bad operators in the business because they make it very difficult for the good operators. Ms. DeNucci pointed out that mandated training conjures another fear factor for the industry; however, the IHA supports a positive, proactive incentive training program and has training programs available. Ms. DeNucci reinforced the members' comments and concerns regarding .08; the impact of insurance premiums and payouts on their businesses; and working with everyone involved in serving, purchasing and selling alcohol to make a more level playing field. The IHA hopes to work with the Commission, insurance industry and others groups in the industry to create a package with valid and viable solutions for consideration by the legislature or to be enacted by administrative rule.
Shannon Wagner, MECCA in Iowa City
Ms. Wagner, from the prevention and treatment agency in Iowa City, lent her support for the retailers, especially in regard to server training. She encouraged the retailers to contact and utilize the services available at their local substance abuse agencies. The agencies are funded to help with training whether it is TIPS or a similar training, mandated or voluntary.
Mr. Walding asked if the "all-you-can-drink" ban has made a difference in the Iowa City community. Ms. Wagner replied she thought the ban made a difference because some bars that usually advertised the specials had not done so this past weekend. Ms. Wagner commented that their agency took a blow with the 21 versus 19 bar issue; however, they appreciate every little step that can be taken to curb underage drinking and binge drinking. Ms. Wagner stated she would be interested in talking more with Mr. Walding about the pilot program and what is going on in Iowa
Melissa Walker, Area Substance Abuse Council (ASAC) in Cedar Rapids
Ms. Walker stated that the ASAC serves Linn, Jones and Benton counties and is supportive of the efforts outlined. The ASAC is available to help with training and any services from which the licensees in these three counties feel they can benefit. The ASAC started a coalition for underage drinking in Linn County and she encouraged the bar owners and their associations to become involved in the coalition. The ASAC would like to receive input from the servers on how the Council can help them make a difference, benefit from laws that are in place and how they can protect themselves from serving to minors.
In response to a question from Mr. Walding, Ms. Walker stated the biggest effect from lowering the BAC level to.08, in her opinion, is safety on the roads.
Commissioner Daggett asked if Cedar Rapids allows 19 year olds in the bars or if there are any city restrictions. Betty Feltes, the president of HALBA and owner of the Freeway Bar, replied that if an establishment sells a certain amount of food, minors could be in the establishment until 9:00 PM; however, if no food is sold or a small portion of the receipts is food, minors must be out of the bar by 7:00 PM. Ms. Feltes was unsure of the percentage amounts. Ms. Feltes stated she thinks this ordinance helps to control underage drinking. An attendee commented that Dubuque has a similar law.
Cindy Bramblett, Cedar Falls Mulligans, stated that Cedar Falls recently rescinded their 50% law for minors in bars and the city now goes strictly by state law.
Sally Eggleston, MADD president and victim
Ms. Eggleston became involved in learning more about alcohol issues since the death of her son who was killed by an intoxicated hit and run driver. The driver had been to three bars prior to the time he struck and killed her son. The owners of the three bars agreed to testify on her behalf at her son's trial if Ms. Eggleston would relieve them of the responsibility of the dram shop, which she did in exchange for their testimony. In retrospect, she discovered it would have been better to sue the three bar owners under the dram shop liability law rather than go to trial seeking restitution that was never paid. Ms. Eggleston pointed out that it is difficult to know what to do and which bar to sue when the driver had been to all three bars.
Mr. Walding told her that the establishments do not split the amount. An attorney would sue all three establishments getting three minimum payments for a total of $30,000 under the existing law as opposed to $10,000 if only one establishment was sued. The purpose of dram shop insurance is to provide a source of money for victims so they do not become revictimized.
Ms. Eggleston watched an all day supervised drinking experiment done at the Police Academy and experienced first-hand how difficult it is to tell when someone is intoxicated. She saw people over .10 who acted sober while someone who had not been drinking took the test and failed.
Speaking on behalf of MADD, Ms. Eggleston stated MADD supports .08. MADD views .08 as very valuable from an underage drinking viewpoint.
Mike Porter, owner of two establishments in Iowa City
Mike Porter commented he likes the idea of banning "all-you-can-drink" specials; however, there are ways to get around the law. Mr. Porter suggested the Commission enact a law where licensees cannot sell alcoholic beverages below cost as a way to eliminate "all-you-can-drink" specials as well as 25¢ drinks and penny pitchers. Commissioner Doll suggested that a licensee could get around that law by including the door charges when figuring the cost of the drink. According to Mr. Porter, licensees can legally collect a door charge and report it as sales; however, the door charge is not included in the alcohol sales reported to insurance companies for dram shop insurance.
Mr. Porter stated that basing dram shop premium rates on alcohol purchases as opposed to alcohol sales would eliminate fraud.
Mr. Porter expressed concern that there is no state law standard for public intoxication and problems will be created if the state uses .08 for the standard for public intoxication. Mr. Walding replied that his experience in prosecuting these cases revealed that law enforcement seldom makes public intoxication arrests for lower limits. The majority of arrests are based on a higher BAC of .20 or more.
Mr. Porter stated that only two or three insurance companies write dram shop in Iowa for tavern owners due to the risk factor. Although Mr. Porter considers himself a good operator, he has had one past claim and has another claim pending. The first claim resulted from the driver leaving Mr. Porter's bar at 12:30 AM. The driver later purchased a 12 pack of beer at the Coastal Mart in Coralville, consumed the beer, never slept and had an accident at 7:30 AM, seven hours after leaving Mr. Porter's bar. No charges were filed against the driver; Mr. Porter's dram shop insurance paid the claim and his insurance premiums increased. The pending civil case involved some of Mr. Porter's employees who got in a fight after the bar closed. Since attorneys only have six months to give notice under the dram shop law, the attorney for the plaintiff notified Mr. Porter "just in case" the people involved were intoxicated. Mr. Porter knows that his employees who had just finished their shift were not intoxicated; however, since he was notified, his insurance rates go up another 25%, just by a simple filing with no fact. When Commissioner Hunter asked if the insurance companies make it right when the case is dismissed, Mr. Porter replied that the insurance companies usually settle as a nuisance case knowing they can get their money back through surcharges. Attorneys know they can get $10,000 out of an insurance company without filing many papers.
Dan Marquart commented that most insurance companies do not pursue dram shop insurance because the pool of business is so poor and they can make more money in other insurance avenues. Many of the carriers are out-of-state carriers who are financially weak.
Mr. Marquart supported Mr. Trostel's suggestion to base premiums on purchases rather than sales. He proposed making it simple for the good carriers to get in and there will be better coverage with lower insurance rates. He strongly encouraged the Commission to make recommendations to the Insurance Commission to have the insurance companies base their premiums on purchases rather than sales.
Mr. Walding reminded the Commission that an industry representative at the last meeting pointed out there was no historical data to indicate what the results of switching from sales to purchases would be. Part of the reason they don't change is fear of the unknown.
Ron Kirchhoff, Kirchhoff Distributing in Dubuque and President of Iowa Wholesale Beer Distributors Asociation (IWBDA)
Mr. Kirchhoff stated that he is located in a border county where it is already hard to be competitive. He could not support a user fee or a tax on a per drink or per beverage container to fund dram shop insurance. Mr. Kirchhoff stated the IWBDA would discuss the issue at their July meeting. He said it would be very difficult for the IWBDA to support the user fee because it would be another unneeded tax.
It would be extremely easy for the wholesalers to supply reports to the individual retail accounts for volume purchased according to Mr. Kirchhoff. The retailers could then supply the information to their insurance carriers.
Jerry Fleagle, President of the Iowa Grocery Industry Association (IGIA)
Mr. Fleagle stated some good ideas have been discussed and the IGIA would be willing to serve and work toward a solution to the problem. He cautioned the industry, however, to be careful what they wished for with regard to a special fund for the payment of dram shop claims. He reminded the commissioners that there would have to be a statutory change to set up a fund managed by the state. When budget problems arise, the special funds are the first to be raided. A privately managed fund can raise other issues including actuary issues.
The IGIA would vigorously oppose expanding dram to off-premises establishments, according to Mr. Fleagle. He pointed out that dram shop insurance is about the serving of alcohol and is not drunk driving insurance. When a store sells an alcoholic beverage to an individual, the store is not serving it on the premises and the store has no control over when or where the individual consumes the product.
Jim Trager, First Western Insurance Company
Mr. Trager suggested it might help if retailers were not allowed to sell single can servings. He cited an example where a convenience store has a keg with tall boys on the counter between the two cash registers and patrons purchased them on their way out the door to their cars.
When Mr. Walding asked Mr. Fleagle to address Mr. Trager's suggestion, Mr. Fleagle commented that he could not defend the practice personally or as a representative of the IGIA. He stated the sale of a single serve can, as opposed to a package sale, is dangerous because there is a good chance the person is going to drink the single serve can behind the wheel. He said the members of the IGIA would be willing to discuss the issue of banning single can servings.
General Discussion
Commissioner Doll asked Judy Seib if she knew the percentage of how many licensees that carry only the minimum amount of dram shop insurance. Ms. Seib responded the actual amount of coverage carried is proprietary information. The Division only requires a certification that the licensees' carry the minimum coverage. Mr. Walding said it would be helpful to know: 1) how many licensees carry only the minimum dram shop insurance, 2) how much dram shop coverage each licensee carries, and 3) how much money is being paid out for dram shop claims. That information, however, is not available. Insurance companies do not want to share the information because of the competitive nature of the business. Mr. Walding suggested the Commission may want to consider making it law that the insurance companies have to provide the information.
Commissioner Doll asked if the members of the hospitality association would consider providing that information to the Iowa ABD. John Huntington from Huntington's Restaurant commented that he would have no problem giving the information to the Iowa ABD as a private matter; however, he would not want the information released to the public for fear of opening himself to higher insurance premiums and potential lawsuits. Mr. Walding responded any information given to the Division is a matter of public record.
Brian Godwin, Godwin Restaurant, pointed out that dram shop insurance is intended for innocent third party victims. The drunken driver who causes the accident is not supposed to benefit; however, there are instances where the insurance company pays rather than litigate the claim.
Mr. Trostel stated that many in the industry would like to see convenience stores and anyone who sells cold beverages be subject to the Dram Shop Act. As he did at the first meeting, Mr. Trostel proposed a user fee or tariff be placed on all alcoholic beverages to create a fund, administered by an independent group or board, which would be used to cover legitimate third party liability. After a couple of years, the fund could take over in some of the areas of host liability. Mr. Walding commented that California recently passed Casey's Law, which is designed to do what Mr. Trostel suggested. Staff will research that law and report to the Commission at the next public hearing in Council Bluffs.
Ms. Bramblett added that a user fee would put some of the responsibility back in the rightful hands.
Doni DeNucci, Iowa Hospitality Association
Ms. DeNucci stated that it is the IHA's intent is to make dram shop fairer through dram shop reform. She wanted people to know that IHA's position is not in support of spreading the net and making more businesses have dram insurance. In addition, the IHA is not opposed to the reason for dram shop insurance.
Meetings
The next meeting will be held in Council Bluffs at Doll Distributing on July 17th at 1:30 PM. The final meeting will be in City Chambers in Davenport on August 12th at 1:30 PM.
Adjournment
The meeting adjourned at 3:25 PM.
GAYLE COLLINS, Secretary | 
