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Commission Minutes

July 2, 2002
Alcoholic Beverages Division - Board Room
Ankeny, Iowa

     
Members Present in the Board Room: Bob Cramer
Shirley Daggett
Dick Stoffer
Gayle Collins
 
Members Absent: Mary Hunter  
Guests Present: Carolyn Cavitt, Stepping Up Project
Ardis Glace, ISAPDA

 
     
Staff Present: Lynn Walding
Jim Kuhlman
Judy Seib
Gary Marker
Marty Deaton
Linda Cox
Nicole Watson
Phil Wedgwood
     
Legal Counsel Present: John Lundquist, Assistant Attorney General


Call to Order

Chairperson Bob Cramer called the meeting to order at 10:00 AM with a quorum present.

Minutes of Previous Meeting (Available upon request)

Chairperson Cramer asked for discussion of the April 30, 2002 Minutes. There was no discussion.

  Motion: Commissioner Shirley Daggett moved the Minutes of April 30, 2002 stand approved as submitted. Commissioner Dick Stoffer seconded the motion, and it passed by unanimous vote.

Recognition of Service

Jenny Thompson was recently honored at the Governor's Golden Dome Award Ceremony in recognition of her 25 years of service to the State of Iowa. Chairman Cramer and Lynn Walding presented Ms. Thompson with a certificate recognizing her dedicated service for the past 25 years. Ms. Thompson does the wholesale audits for the Iowa Alcoholic Beverages Division.

Tobacco Report

Gary Marker reported fiscal year 2002 compliance checks are completed. In late June, the Division entered into partnership with 58 law enforcement communities doing approximately 735 hours of “Cops in Shops” activities throughout the state. The Division also partnered with communities to do enforcement activities at Waterloo Days, Clive Festival, Spencer Flag Fest and the Quad City Air Show. The Iowa Alcoholic Beverages Division tobacco program supplied the money for officers to look for and issue tickets to juveniles who were in possession of tobacco at these events.

The Division will host a Conference on Tobacco Enforcement in Des Moines in late August. Agenda items will include the new 28E Agreement, procedural changes, an overview of the past year, etc.

Nicole Watson reported the Division was 88% compliant for fiscal year 2002 representing a 6% improvement over last year. The information will be available by county on the website in the near future.

Approximately 9400 checks were completed last year in comparison to 16 checks done statewide two years prior to the Iowa Alcoholic Beverages Division’s involvement. Mr. Walding commended Mr. Marker and his staff on the progress made. It took a social norm change in law enforcement to recognize the importance of the checks and the $50 paid per check by the Division helped to bring that to the forefront. Mr. Walding however, is not satisfied with the 12% noncompliance rate; his goal is single digits.

Chairperson Cramer asked if data indicates any trend that one particular group has a better compliance rate than another. He also suggested the focus be shifted to noncompliant groups to get them in compliance. Ms. Watson replied that some corporations do have a significantly better compliance rate overall statewide. Chairperson Cramer would like to see a copy of the report. Mr. Walding wants the report broken down by region, retailer type and individual retailers.

The Division had adequate funding the first two years to do two checks of each retailer. Due to the cuts in funding this fiscal year, the Division will probably check every retailer once and conduct second checks only on retailers that have been noncompliant.

According to Nicole Watson, in approximately 60% of the cases where violations have occurred, the employee asked for ID and made the sale anyway. ID checking brochures have been designed to help address the problem. In addition, decals were made to complement the age to purchase calendar. According to Mr. Walding the age to purchase calendar is an effective tool; however, it costs about $43,000 to print and distribute 5000 calendars. As a cost-saving alternative, the Division may distribute only decals next year. There is also a 5-step ID check card available to the retailers and the Division’s five investigators continue to provide on-site training free-of-charge.

Chairman Cramer believes those under 21 who sell succumb to peer pressure. The Chairman is interested in data on demands to have an individual 21 or over be the supervisor for selling tobacco. Mr. Marker stated that the division does not track the age of the seller; however, the trend is that of those retailers who are noncompliant, their older employees (50 and older) are more likely to sell to minors than are their younger employees.

Dram Shop Administrative Rule Update

A letter, along with a copy of the proposed Dramshop Administrative Rule, was mailed June 28th to all on-premises licensees. The next step, according to Judy Seib, is to publish the Regulatory Analysis in the Administrative Rules Bulletin, followed by a Public Hearing 20 days after the publication of the Analysis. The rule can be presented to the Commission for final approval sometime in August making October 23rd as the earliest date the rule can become effective. Currently, there is a dilemma as to how the rule should be implemented. Designating a specific date by which all licensees must have an amended Dramshop Liability Certificate on file with the Division would create a nightmare for both the insurance industry and the Division’s licensing section. It appears that the best method of implementation would be to specify a date-certain and require all licensees to have insurance coverage that is compliant with the amended rule over a 12-month period. While that seems unfair to the public in that some licensees would have more insurance than other licensees, that is the present case. Although not mandated to do so, many licensees currently carry more dramshop insurance than is required. Others carry the minimum amount of insurance only because it is required. Ms. Seib has also been working with Angela Burke-Boston, a deputy with the Iowa Insurance Division in determining an implementation date. Ms. Burke-Boston has indicated that the insurance industry will need approximately 6 months to rate the amended rule. Mr. Cramer suggested that it would be most logical to follow the normal pattern of renewal. Mr. Walding and Ms. Seib recommended that the Commission set the implementation date of this rule as July 1, 2003 and during the following 12-month period until July 1, 2004, as the renewals become effective, the licensees would have to have the new minimum limits on file.

Mr. Kuhlman stated that licensees have called complaining about the sensationalism of the letter as well as taking exception to the rate increase. Ms. Seib said the letter has also resulted in a panic situation for some because they are not reading the letter carefully.

Counsel’s Report

According to John Lundquist, a large number of sales to minor violations appear on the report. This is attributed to the Department of Public Safety receiving a federal grant for alcohol enforcement through June 30th. The alcohol age compliance checks done by the DCI resulted in a 50% - 70% failure rate, much higher than tobacco noncompliance. Mr. Walding expressed concern about the large number of sales to minors as well as the fact that there are some retailers that appear disproportionately on the report The Etc. Bar case in Iowa City where the bar fire stunt injured several people has been settled. The licensee agreed to not seek renewal of their license. They were required to pay the statutory maximum fine in addition to being placed on suspension until the end of their license period. A new owner has applied for a license. Mr. Walding has asked to review a decision on Vito's Bar in Iowa City and Peggy's Bar in Des Moines. He is concerned about college bars serving summer suspensions and he wants to determine whether an adequate penalty has been assessed. Chairman Cramer expressed concern over one company that also sells petroleum who appeared on the report with a 90% failure rate. Ms. Seib pointed out that the company at one time held the greatest number of Class C beer permits (carry out beer) in the state and there may be a correlation between the number of violations compared to the number of stores.

Sales Report

Total sales for FY02 were approximately $114.1 million, an increase of $3.7 million over the prior year. Jim Kuhlman reported the increase reflects a 3.4% dollar increase for the year. It appears that volume will be up 1½ - 2% for the total year. Sales were up .94% through September 2001 with the balance of the year resulting in sales up $3.5 million dollars, a 4.1% increase.

Product Buy-Out Report

Fewer products were purchased through the Buy-Out Program this year. Industry members watch their inventory levels more closely resulting in fewer products available to purchase at a discounted price. Revised inventory quantities maintained in the warehouse have contributed to the reduction as well. Less cases were purchased resulting is $150,000 less profit; however, the rate of return on product purchased was 8.9%.

Financial Report

The Liquor Trust Fund balance through May is less due to transferring as many dollars as possible to the General Fund. Net income is up $834,000. Transfers to the General Fund were up $1,000,000 through May and an additional $500,000 has been transferred since the report was prepared.

Commissioner Collins asked if the markup is less when sales are up. Mr. Kuhlman responded the markup is basically 50% markup; however, there has been discussion about looking at that policy this summer. Certain items may have the markup reduced to see what effect it has on products and profitability.

Wine tax receipts have steadily increased the past decade. Mr. Deaton pointed out that the wine tax is $1.75 per gallon in comparison to the beer tax of 19¢ a gallon. Beer tax receipts increased in 2002. There is speculation that increase may be partially due to the malternatives now available.

Space Inventory Management Update

The Iowa Alcoholic Beverages Division has received approval from the Department of Management to initiate the bid process for warehouse rack. The rack would be purchased with Liquor Trust Fund money and the payback on the purchase of the rack is estimated to take two years. Mr. Kuhlman showed the Commissioners the current warehouse layout plan and the proposed plan using vertical space freeing approximately 18,000 square feet for state government use, possibly by Records Management in the Department of Cultural Affairs. The cost to another state agency for using the warehouse space would have to be negotiated. Currently, the Lottery Division pays $5.25 per square foot.

The Division needs over 4900 picking and storage slots. The proposed plan allows for 5,304 slots allowing room for growth. Mr. Kuhlman explained the proposed warehouse set-up, noting the width of the aisles, the staging area and various other aspects of the plan. The Division will develop a computer program to assist the Jones Company in the transitioning to the new plan.

The original plan called for 3 categories: 1) bulk storage of bigger, faster-moving items; 2) storage for items that don’t move as quickly; and 3) a storage room for specialty items of 5 cases or less. The plan has been revised to 2 categories: 1) rack with a picking area underneath and with storage above; and 2) the use of A-B slots, in which two separate products share the same slot space. Gravity flow rack was explored for use in the refrigerated room and rejected because it was expensive, items could not be stored above the rack, and industry members were concerned that they could ship in only 5 cases. The A-B slot system is less expensive and offers more flexibility.

Mr. Walding is looking at the project from the perspective that the Division might be required to take over the shipping at any time. Therefore, labor costs, as well as the warehouse costs, must be addressed. Once the plan is finalized, Mr. Walding will meet with the Jones Company regarding their labor concerns. Areas of contention with the Jones Management Company are: 1) Jones would like to have 16’ aisles across the warehouse as opposed to 12’ aisles; and 2) Jones wants the warehouse set up to run east and west to accommodate broader spacing, whereas the Division wants it to run north and south to take advantage of the natural light and the spacing between the columns. The Jones Contract is in effect for four more years with options to renew for 2 additional 5-year terms. Chairman Cramer commented that 12’ aisles are more than adequate to pick both sides and to pick six tall with the proper equipment.

The goal is to have the new warehouse plan implemented by July 1, 2003 and to have other agencies move in to fill the void created.

With the dissolution of Administrative Services, only 3 information technology people remain on the second floor in the space formerly occupied by Administrative Services. All other personnel retained by the Alcoholic Beverages Division have moved to the first floor. Eventually the 3 IT people will also move to the first level leaving the entire second floor for use by other agencies.

Energy Audit Report


The Department of Natural Resources runs a program called State of Iowa Facilities Improvement Corporation (SIFIC). SIFIC acts as a conduit between finance companies and state agencies that operate buildings to get financing for energy improvements. Michaels Engineering, an engineering firm from LaCrosse, Wisconsin, contracted with the state to review state facilities from an energy perspective. They reviewed the Alcoholic Beverages Division facility and came up with 12 projects for consideration:

  1. Replace exterior lighting
  2. Replace the yard sign lighting
  3. Install sensors on the lights in the warehouse to turn lights on when needed
  4. Retrofit the fluorescent fixtures
  5. Install new fixtures as opposed to retrofitting existing fixtures
  6. Replace incandescent lighting
  7. Replace the exit signs with LED as opposed to old technology
  8. Incorporate warehouse day lighting
  9. Refurbish the current air and heating system
  10. Install a geothermal system for air and heating system
  11. Replace the inoperable solar curtains in warehouse
  12. Convert to low-volume toilets and urinals in the building

The payback on some of the items did not warrant any financing. Michaels Engineering commented that even if they refurbished the current air and heating system, it would be a nightmare. The system was high-tech in the late 1970's and early 1980's but is no longer adequate. Items suggested for consideration were 2, 4, 6, 7, 10 and 12.

There are specific guidelines for financing. The engineering company charges DNR for the study; submits projected costs of construction and retrofits; estimates the resultant energy payback from the savings on the retrofits; and establishes a simple payback period. Michaels Engineering will seek financing for anything that has a payback of 12 years or less. SIFIC then finds a lending institution willing to fund the project, Michaels Engineering's fees, DNR's fees and the total cost of the project. The Alcoholic Beverages Division then pays only the projected savings amount during the period.

Program Elimination Study

The legislature passed HF 2627 at the end of the second special session. A section of that legislation establishes a Program Elimination Commission consisting of 5 voting members and 3 nonvoting members. The voting members will be comprised of 1 representative from the Auditor’s Office; 2 representatives from the House (1 from the majority and 1 from the minority parties); and 2 representatives from the Senate (1 from the majority and 1 from the minority parties). The 3 nonvoting members will consist of 1 representative from the Executive Branch, the Judicial Branch and the Legislative Branch. Staff support will be provided by the Legislative Fiscal Bureau. One of their many charges is to look at the Alcoholic Beverages Division warehouse to determine whether it should be privatized or possibly sold.

Mr. Kuhlman addressed the two reports included in the Commission packet. The first was done by the Division and is updated on a regular basis. It looks at the wholesale system, how much money is generated, expenses associated, etc. Approximately 5 employees are dedicated full time to products and wholesaling with the balance of the employees working in licensing, administration, accounting, tobacco, and buildings and grounds. The Division estimates approximately $3,000,000 net could be saved by getting completely out of the business. That would still require tax on a new private wholesaler of over $13 a gallon to make the same money the state now makes. The highest tax rate in the region now is Minnesota at $5.03.

There are currently three profit layers in Iowa – supplier of the product, the state wholesale operation and the retailers. If the state doesn’t want to be directly involved in the business but still wants the money, a fourth layer, the private wholesaler, will be added. If the state wants to continue to generate the same amount of money for the General Fund, prices to the consumer will probably increase approximately 18%.

Commissioner Stoffer asked what state has the highest tax rate to which Mr. Kuhlman replied Florida has a $6.50 tax per gallon on liquor and Alaska has the highest on beer with $1.50 tax per gallon.

Commissioner Collins pointed out that if an out-of-state company purchases the wholesale operation, the money would go out of state. Mr. Kuhlman replied that out-of-state wholesalers have pushed for this legislation in the past.

The second report was a draft report prepared by the Auditor’s Office that was never issued publicly. The Auditor’s report addressed a proposal that Iowa match Minnesota’s tax rate at $5 a gallon. To do that consumption in the state would have to increase 267% to make the same money currently being made. The report concluded that there is really no alternative to the present system to continue making the same amount of money.

It was pointed out there would be no windfall from selling the building because the top floor will be occupied by other state agencies, at least 1/3 of the warehouse will be used by other state agencies and the space that would be freed up will likely be used by other departments.

Budget Update

The Division is in the process of finalizing the tobacco budget with the Department of Health. Last year the budget was $1.4 million, down from $1.5 million the previous year. This year the Department is proposing a $1 million budget. In addition the Division will be allowed to retain any money not spent during fiscal year 2002, an amount of about $40,000. Since each round of checks cost about $250,000, the Division will probably eliminate the mandatory second check of all retailers. Retailers who are in violation will be checked a second time. Some educational tools will also be eliminated. In preparation for the cuts, some educational tools were prepared prior to the end of the fiscal year. The 5 field agents will continue to conduct educational seminars on location.

The alcohol budget is down about 30% collectively from the past two fiscal years. The overall alcohol appropriation resulted in a $335,000 reduction for FY02 and FY03. A series of reductions has occurred this year due to the severe cut. Due to the fact that alcohol enforcement is not absolutely required by the Division, the decision was made to lay off the 4 alcohol field investigators. There has been concern expressed regarding the elimination of the alcohol enforcement. Jim Green expressed concern regarding support for RAGBRAI. In the past the Division did training prior to, and enforcement during, the event. This year the Division will have employees available to handle complaints, do emergency shut downs if the facts warrant and to provide a list of licenses to law enforcement. Mr. Walding relayed his concern about the number of compliance violations in alcohol. Compliance runs tantamount with enforcement. Unless it is brought to their attention through penalties, retailers are not going to make compliance a priority. Retailers have told Mr. Walding they don't like to send clerks for training because it costs too much.

The decentralization of Administrative Services resulted in some staff being absorbed into the Alcoholic Beverages Division. The Division asked for $545,000 for the additional staff and was given only $300,000. In addition, there was a reduction of $44,000 for furloughs. The Administrator will try to avoid furloughs if possible because he believes furloughs drive good employees away. Staff will receive 3% pay raises effective in November; however, the raises are not fully funded which results in another $45,000 shortage. Collectively, that amounts to $344,000 less in the budget this year.

ABD Reorganization

The alcohol field investigators were eliminated and accounting and IT staff were added in the reorganization schedule.

Regulating the 'Wretched Refuse'

Lynn Walding just returned from the National Conference of State Liquor Adminstrators (NCSLA) where he moderated a panel titled "Regulating the 'Wretched Refuse': Immigrations Patterns and Practices Affecting the Beverage Alcohol Industry." Based on Mr. Walding's concept for the cover, Shelly Winscott designed the cover. Mr. Walding presented Ms. Winscott with a framed copy of the cover, as well as a framed cover from another presentation she designed.

"Person of Good Moral Conduct"

In response to a comment by Commissioner Collins at the last meeting regarding the use of the word "moral" in the division's language, Mr. Walding stated that his interpretation of "moral" refers to gambling and those items specifically designated in the Code as prohibitive practices. John Lundquist's interpretation is that it is not to regulate morals but to look at someone in an effort to predict the likelihood they are going to operate a liquor establishment in compliance with the laws. The Division is authorized by statute to look at the applicant's past criminal history and past compliance with alcohol laws as well as the OWI statute. When advising the agency on this issue, Mr. Lundquist looks at past practices in determining if the person is someone the Division wants operating a liquor store. Commissioner Collins commented that is okay if they are definitive things and not subjective with no criteria. Mr. Lundquist replied that the Division does have a rule that lists many of the things the Division looks at, which is generally one's criminal history and past practices in the business. The Division has the responsibility to act consistently. Commissioner Collins asked how "financial standing" is determined. Mr. Lundquist commented that is clarified in the rules and the applicant has to demonstrate that they can have control of the premises and that they have sufficient financial resources to pay their bills and their insurance. Commissioner Collins asked who determines "good reputation" and expressed concerned about the use of the word "moral" as one of the charges of the Commission. She commented she thought there was legislation passed at one time to strike the word "moral" from all codes.

Zippers Article

A copy of the article about Zippers jello shots, which appeared in the Des Moines Register, was distributed. A similar article ran in the Quad City Times. The product was marketed to the Division as a product that would be sold in nightclubs; however, the record indicate that the product is sold in grocery stores. Idaho and Pennsylvania have also delisted the product.

White Paper Feedback

Nicole Watson recently attended a Higher Education Center meeting in Colorado where several people had read the White Paper and were very excited about it. They were very complimentary about the writing style and the thoroughness of the report. Many states are considering doing something similar using Iowa's White Paper as a model.

Carolyn Cavitt, representing the Stepping Up Project in Iowa City, thanked the Commission for their work on the White Paper and the support they have given the Stepping Up Project. Ms. Cavitt commented they are very pleased with the White Paper and enthusiastically endorse it. The report captured two points that the Stepping Up Project feels is very important: 1) defining the problem and 2) underscoring the idea that there is no single solution to the problem. Ms. Cavitt agrees that a statewide law against drink specials is a very important step and hopes the legislative committee will give it serious consideration. In Iowa City there is a proliferation of drink specials and they have an ordinance in place. Some charges have been filed; however, they have not yet come to court so the ordinance has not been tested. If a legislative committee is appointed, Ms. Cavitt asks the Commission to encourage the committee to look at a statewide age of 21 for admission to bars because easy access to alcohol escalates irresponsible drinking behavior. In addition, the Stepping Up Project asks the Commission to recommend statewide keg registration to the legislative committee. The Higher Education Center is mandated by their grant from the Robert Wood Johnson Foundation to work in any state that has a matter of degree grant, which is what the Stepping Up Project grant is called. The Higher Education Center will come to Iowa and help set up a statewide coalition if that is what the Commission wants.

Ardys Glace, representing the Iowa Substance Abuse Program Directors Association (ISAPDA), thanked Mr. Walding for speaking to their group recently and expressed appreciation for Mr. Walding's quick response and action on the delisting of the Zippers jello shots. The ISAPDA is an association of prevention and treatment professionals from around the state of Iowa. Although they have only 46 members, they see approximately 86% of the state funded substance abuse treatment people in the state. Ms. Glace commented they were thrilled with the White Paper. With regard to Recommendation Number 2, Ms. Glace commented their organization would willingly provide background information in terms of treatment and costs to the legislative committee. Ms. Glace also relayed that she had met with Representative Betty Grundberg who is exploring the idea of state funding for all substance abuse treatment and prevention. Recommendation # 4 may fit into Representative Grundberg's plans. The ISAPDA would like to see restrictions on the length of time for "happy hours". They were also concerned about the dollar allocation for funding based on population because some of the college campuses where there is a large problem are not located in the largest cities.

The ISAPDA highly supports the Commission's recommendation to lower the BAC to .08 primarily for the safety issue of driving. Many of the prevention messages do work for the bulk of the population; however, it will not help with the problem drinkers.

Mr. Walding reported that one of the questions addressed in his meeting with ISAPDA was how much money goes to substance abuse. He has always been led to believe $9.5 million from the sale of alcohol is dedicated for that purpose; however, according to Janet Zwick from the Department of Public Health, they only get approximately $1,000,000. The Code dedicates the $9.5 million to the General Fund for the treatment of substance abuse but it doesn't appear it gets appropriated in that amount. Marty Deaton suggested that Mr. Walding speak to Joel Lundy regarding the matter. Mr. Walding will check with the Department of Management to see how the $9.5 million for substance abuse treatment is distributed.

Chairman Cramer commented about the mass exodus from the legislature. He stated the Commission needs to personally present the White Paper to new legislators. Chairman Cramer has had several discussions with high school officials who are crying for help. They want to see the recommendations passed with consequences in the legislation so the culprits really lose something, such as driving privileges. Commissioner Cramer said this is a major issue that should not be allowed to go dormant and the Commission's job is only partially completed. The Commission needs to continue to press the issue enough to get the Governor to ask the legislature to discuss it and get it to a vote.

Administrator Walding commented the Commission's role was to put the issue out there for public debate. Copies have gone to the Governor's Office, copies are going to each current legislator and the newly elected legislators will also receive a copy. Mr. Walding said groups such as the Stepping Up Project and ISAPDA need to keep the debate going and see what the legislators are saying and how they will act. Mr. Walding believes the Division has taken it as far as they can by putting the issue out there.

Chairman Cramer wants copies of the White Paper provided to any and all organizations that want to "lead the charge" to the capitol. He suggests that the organizations take what the Commission has put together and get their individual grass roots support, county by county, to take to their own legislators to get it to proceed.

Ms. Glace commented the Alcoholic Beverages Commission lends weight to the issue and adds credibility to what the associations have been saying that high risk drinking being a problem and the need for .08 BAC. It is the Commission saying there is a problem and it needs to be addressed. The associations can find people to support and "lead the charge".

Mr. Walding said the Division is working with the Department of Human Rights in regard to Recommendation # 3. The state of Virginia currently has a program in place that Iowa could follow to set up one state entity to fund a program where state and private universities help incoming freshmen and their families.

Commission's Next Mission

Lynn Walding suggested the Commission's next mission might be to expand on Recommendation # 3 of the White Paper with regard to enforcement. The Administrator wants to explore setting up a program for alcohol enforcement similar to the tobacco enforcement program where funding can be obtained to distribute to local officials to do enforcement. Local law enforcement will do enforcement if it is funded. Local officials get money; however, it tends to go into the General Fund just like state money does. Some of that should be used for enforcing existing laws.

The Division helped fund a recently completed study by Dr. Krevor of Brandeis University dealing with responsible training in Iowa and will b doing a test model in the Des Moines area this year. Dr. Krevor is also trying to set up a national center for responsible retail training. Another mission for the Commission could be to explore the appropriate parameters for responsible training.

Election of Officers

Commissioner Stoffer nominated Gayle Collins as secretary. Commissioner Daggett seconded the motion. The motion carried unanimously.

Commissioner Stoffer nominated Shirley Daggett as vice-chairperson. Commissioner Collins seconded the motion. The motion carried unanimously.

Commissioner Stoffer nominated Bob Cramer as chairperson. Commissioner Collins seconded the motion. The motion carried unanimously.

Other Business

Jim Kuhlman is working with the beer wholesalers and data processing personnel to develop a program for the beer wholesalers to transmit their beer excise tax information electronically. The program will be much easier and quicker; however, the disadvantage for the wholesalers is that the Division will no longer collect data for them. The program should be completed in late summer. The accounting staff will handle audits previously done by the field investigators. The accounting staff will focus on accounting audits whereas the field investigators' focus was more on regulatory audits.

Adjournment


Commissioner Stoffer moved the meeting adjourn. Commissioner Collins seconded the motion and motion carried unanimously.


The meeting adjourned at 12:30 PM.



GAYLE COLLINS, Secretary
 
 
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