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08/28/1995 - Special .",., \ , . , . , ,. " ", " , , . A-I"ot_n ". . . \ t ;"t, , ./ AGENDA' DATE 8'. a8.95 F /980 ._~....+. -.+ ." ~ . , , J....~ \ !i ! I i 1 \ "'j ~ I \ \ i , I I \= ~': ' , , f ~ . ~, " .' {:I'It~""vtt., "1('-'\1"" ~~" "...' ". .,,~.. CITY COMMISSION SPECIAL MEETING . '? .~&>9 5 i i i " . r' . \. r Ie;?? i' ~:1::~~ .~..,. ; ".: .' / n + .~ AGENDA Clearwater City Commission Special Meeting Monday - August 28, 1995 - 9:00 a,m. - Chambers 1 , Call to Order 2, Rescind 8/1 7/95 action to pass Ord, #5890-95 on First Reading 3. Approve Rewrite of Employee Pension Plan & pass Ord. #5890- 95 on First Reading - Amending the provisions of Div, 3 of Art, 5 of the City's Code of Ordinances, adopting a revised Employees' Pension Plan, providing for a referendum election relating to the pension plan ') 0 rei. i'>1 a" e. J +0 q1TJ/15 pa.cK . ~O\ seco,.,c! re,qJ IYl j 4, Approve change to Commission & Mayor salaries & pass Ord. #5915- 95 on First Reading 5, Adjournment I, .::...:.... :.,r;:/.~,~:;:::: ' ., ~ r :: ~.. . " ,,:' :. ":; . . . I ~ I t J i ~. II ,I r..C;f. :~ CITY OF CLEARWATER Interdepartmental Correspondence Sheet TO: Mayor and City Commissioners H. Michael Laursenl Human Resources Director ~(C COPIES: Elizabeth Deptulal City Manager; Kathy Rice, Deputy City Manager; Pam Akinl City Attorney ~ FROM: SU BJECT: Changes In Pension Plan Proposal DATE: August 23. 1995 On August 17, 1995, Ordinance 5890-95 (the proposed amended Employees' Pension Plan) was presented to the City Commission for First Reading consideration. It was the view of City staff that the Ordinance was written in a manner that appropriately addressed each of the conceptual changes that the City and Unions had agreed to during the collective bargaining process. That process had resulted in approval of Union contracts for the current and next two fiscal years. During discussion of Ordinance 5890-95, several Union representatives expressed their perspective that the Pension Plan proposal did not correctly address every concept. They also expressed a view that the proposed Pension Plan had to be submitted to their membership for ratification. The Commission passed Ordinance 5890-95 on August 21, 1995; but the Commission Indicated that the parties should attempt to resolve their differences. Subsequently, on August 21, 1995. representatives of City unions met with City staff to determine if they could mutually concur as to the concepts and the language to be proposed In the amended Pension Plan. That meeting was successful and the parties did concur with a final product for an amended Pension Plan. It is the Intent of various unions to seek ratification of the tlnal product by their membership. Speclfic ratification votes by union membership will not occur for several weeks. To place the Pension Plan before the voters of Clearwater at the October 24, 1995, Referendum, it Is necessary that the amended Pension Plan, as provided by Ordinance 5890-95, be approved at this special meeting and on Second Reading on September 7,1995. Based on the City-Union meeting on August 21, 1995, the changes to the Ordinance as presented to the City Commission as OrdInance 5890-95 on August 171 1995, are summarized below; A Authority of the PensIon Advisory Committee. The parties concurred that with three Commissioners or Commission-appointed designees serving on the seven-person Pension Advisory Committee (PAC)I it would be appropriate that the PAC have final approval of disability pension awards. That is renected by the following language changes in the Plan: . ., I' ..".. . Mayor and City Commissioners Page 2 August 23, 1995 Page 9. Section 2,394 Plan Administration (a) Administration of the Plan. The Trustees, In conlunction with the Committee. shall control and manage, in eanjunotion wHh lho Committoo, the operation and administration of the Plan as provided in this Ordinance. Page 11. Section 2.394 Powers and Duties of Committee (e) (1)J..gj Investigate and determine the eligibility of Partlcip-ants for disability pension as provided In Section 2.397. paragraph (c), Page 12 Section 2.394 No nd [scrl ml natio n ( g ) . Nondiscrimination. The Trustees ~nd the Committee shall not take any action '* diroct tho CammiUoCl to t:lko any aotlon whatsoever that would result in unfairly benefiting one Participant or group of Participants at the expense of another or in discriminating between Participants similarly situated or in the application of different rules to substantially similar sets of facts. Page 17, Section 2.397 . Disability Benefit (c) (1) (B) A Participant who is deemed by the Committee and tho Truatooc to be disabled by reason of an injury suffered or an Illness contracted in the line of duly need not satisfy the vesting requirement set forth in subparagraph (1) (A) above; provided, further, that the monthly amount of the disability benefit payable to a Participant descrIbed in this subparagrap'h (1) (B) shall not be less than 66 2/3% of such Participant's Average Monthly Compensation. (c) (1) (C) The provisions of this paragraph (c) shall apply to Participants who are determined by the Committee and TrUGtoD& to be disabled on or after January 1, 1996. (c) (2) A Participant shall be considered disabled for purposes of the Plan if, in the opinion of the Committee and tho Tn.lctooc, the Participant Is disabled due to sickness or Injury, such disability is likely to be continuous and permanent from a cause other than specified In subparagraph (3} below, and such dlsabllity renders the Participant unable to perform any useful, meaningful and necessary work for the Employer in an available position for which the Participant Is reasonably qualified or for which the Participant may be reasonably trained to perform, subject to the limitation below. Page 34. Section 2. 399 Prudent Man Rule. f~.r. c .~ '. Mayor and City Commissioners Page 3 August 23, 1995 ( d ) The Committee and the Trustees of this Plan and all other persons occupying a fiduciary position under this Plan in the administration of this Plan and in Investing and reinvesting assets of the Pension Fund shall utilize and be governed by the prudent man rule, Page 35. Section 2.399 Receipt of Information ( e ) Receipt of Information. Where any action which the Committee and/or the Trustees are required to take or any duty or function which they are required to perform either under the terms herein or under the general Ia.w applicable to the CommIttee and/or the Trustees under this Plan can reasonably be taken or performed only after receipt by tho TruetooG from a Participant, the Employer, or any other entity, of specific information, certification, direction or instructions, the Committee and/or the Trustees shall be free of liability in failing to take such action or perform such duty or function until such Information, certification, direction or instruction has been received by it. Page 37 Section 2.400 Termination of Plan; Discontinuance of Contributions (b) (2) If this Plan is terminated, or If contributions to the Plan are discontinued, the Committee and the Trustees shall continue to administer the Plan In accordance with the provisions of the Plan, B. Carry-over of current Pension Advisory Committee employee elected members. Union representatives indicated that they did not see a need to hold a new election for employee elected members on the Pension Advisory Committee. It was the consensus of the City and the union representatives that current employee elected members of the PAC could continue until their respective terms expired. Page 10 Section 2.394 Pension Advisory Committee Paragraph (4) (A) and (8) {note: )(A) and (B) are reversed} (4) (A) Members of the Committee last elected by Employees on the date of adoptfon of this amended and restated Plan shall continue to serve as the Employee elected Committee members until tho first oloonan under thle amended af\d roetatGG Plan ha& beon hold for the remainder of their respective terms. 'I! ~ ., , Mayor and City Commissioners Page 4 August 23, 1995 (B) Tho fimt oloGtion af CernmiltQ0 mor:nbors reprooontlng tho Emf3loyooc chall ba held within -11; d~ys of approval of tho amondod and reDtatod Plan. Thoreaftor, n Not less than 60 days before each oubcoquont election to be scheduled for ef. an Employee elected Committee member, the existing Employee elected Committee members shall select and appoint a nominee group composed of five persons from Employees participating In the Plan to conduct the election process. The Department of the City Clerk shall provide necessary assistance to the Employees for the administration of elections, C. Alternate position availability; retention of rank; and first out, first return provision for alternately assigned police and fire members. Certain issues that the parties had agreed to were going to be Included In a separate Memo of Understanding between the Clty and the UnIons; however, it was determined that those issues could instead be Included in the Plan language. Those Issues related to the City's Indication that some specified number of positions within the Pollee and Fire Departments would be available for alternate assignment in lJeu of disability; that sworn and/or certified police and fire personnel who are alternately assigned in lieu of receipt of a disability pension would still retain their rank designation, and that sworn and/or certifled police and fire personnel alternately assigned to a non-bargaining unit position would have right to return to a bargaining unit position o~ a first out, first return basis as any such positions became available. Language changes in the Plan to provide for these Issues are Hsted below: Page 18. Section 2.397 Paragraph (c) (2) (A) {adding subparagraphs (v) and (vi)} W Ttle Employer will provide not less than eight (8) positions within the Police ~rtment and not less than five (5) positions within the Fire Department that are in the hazardous duty category as defined in Section 2.393. paragraph (p) (2). for alternate assignment purposes in lieu of the receipt of disat>iIlty payments as provided fOT in this section. The specific positions as provided by the Employer may vary from time to time and need not be desi<;mated In advance by the City, If alternate positions include ones to which assignment pay is applicable under a designated union contract. the assignment pay will be paid, 0Lll In the event that pollee officers or flreflghters have been assigned to an alternate position outside of their bargaining unlt In lieu of disability benefits Rursuant to provisions of Section 2.397 hereof because all the aval1able alternate positions within the bargaining unit were already assigned and then one of the positions within the bargaining unit becomes available. such alternately assigned employees shall bE! returned to the position within the bargaining unit on a first out. first return basis. ~r~l~,~.:.'~ [. I. I.. . '.' '.H.' ":{f Mayor and City Commissioners Page 5 August 23, 1995 Page 19 Section 2,397 Paragraph' (D) {adding retention of rank} ( 0 ) Any hazardous duty designated Plan Participant who Is assigned to an alternate position In lieu of receiving disability benefits under the Plan pursuant to provisions of paragraph (c) (2) (A) of Section 2.397 of this Plan shall continue to be' designated as a hazardous duty employee regardless of the nature or location of the alternate assignment and shall retain his/her rank as a sworn police officer or firefighter , Such Participant shall remain eligible for retir~ment as a hazardous duty employee. , '1 D. Miscellaneous Change, Section 2.398 contained a reference to Article VIII, Articles were changed to Sections in initial Plan drafts and this designation was not changed. Pages 27. Section 2.398 Paragraph (a) (1) (a) (1) Except as otherwise provided under this Artlelo VIII Section 2.398. l ~1f\fJ~,,, 4.... ,..' . - ORDINANCE NO, 5915-95 AN ORDINANCE OF THE CITY OF CLEARWATER, FLORIDA, RELATING TO SALARY INCREASES FOR THE MAYOR AND COMMISSIONERS; AMENDING SECTION 2.263 CLEARWATER CODE OF ORDINANCES; PROVIDING AN EFFECTIVE DATE. WHEREAS, the Commission salaries as established in Section 2.263 Clearwater . Code of Ordinances have not been increased since 19aO; and WHEREAS, the City Commission salaries are currently $12,000 for the Mayor and $10,000 for the Commission; and WHEREAS, Section 2,04 of the City Charter provides that an ordinance must be passed approving salary increases at least six months prior to an election; now, therefore; BE IT ORDAINED BY THE CITY COMMISSION OF THE CITY OF CLEARWATER. FLORIDA: Section 1. That Section 2,263 (1) Clearwater Code of Ordinances be amended to read as follows:- . Sec. 2.263. Compensation and expenses of mayor-commissioner and commissioners (1) The mayor-commissioner shall receive an annual salary of .$1 B.OOO.OO $12,000,00 payable at the rate of $1.500.00 $11000.00 per month for his services. Each city commissioner shall receive an annual salary of $15.000.00 $10,000.00 . payable at the rate of $1.250.00 $833.33 per month for their services, Section 2. This ordinance shall take effect on April 4, 1996, PASSED ON FIRST READING PASSED ON SECOND AND FINAL READING AND ADOPTED -; Rita Garvey. Mayor-Commissioner Approved as to form and legal sufficiency: pa~~ ~. tin. City Attorney Attest: Cynthia E. Goudeau1 City Clerk ... '. , . g) '2 Y)9:J (EJ Cc. Clearwater Reflections Special Edition MESSAGE TO ALL CITY EMPLOYEES- August 16, 1995 PROPOSED PENSION PLAN CONCEPT: One of the items included in the proposed pension plan is the concept of "early retirement." The purpose of this Special Reflections is to clarify the process of early retirement and pension benefits. The concept of providing an early retirement provision in the proposed plan stems from a desire to correct an inequity perceived to exist in the current plan. The current plan provides that an employee with ten or more years of pension service credit may separate from the City's employ, leave hislher pension contributions in the plan, and begin to receive a pension on what would have been hisfher normal retirement dale had he/she remained a City employee. For example, an employee might begin hislher City employment and pension plan panicipation at age 35, work ten years, leave the City and subsequendy begin to coHeet a pension ten years later at age 55 (20 years of service at age 5S is a normal retirement date). Although the process for employees hired at an older age under the current plan is the same as no led above, the ability to collect the pension becomes less likely to occur. For example, an employee hired at age 60 could work ten years and then separate from employment and begin co1\ecting a pension at age 80. The early retirement concept in the proposed pension plan provides that. an employee may begin to receive a pension based on the completion of ten years of service and attainment of age 65 (without waiting for any additional number of years) with such benefit amount actuarially reduced. Example: Under the plan (using 2.75% as the benefit multiplier in the benefit computation formula), if an employee comes to work for the City at age 60 and terminates at age 70 (with ten years of service), the benefit would be calculated as follows: . Assume Average Earnings: Years of Service $30,000 10 $30,000 x 2.75% x 10 = S8,250 S8 ,250 ~ 12 = $687.50 Annual Benefit: Monthly Benefit: .. . ' This employee could begin receiving $687.50 per month beginning at age 80 (ten years from separation). Under the proposed early retirement provision, the employee could sti1l elect to receive the $687.50 per month beginning at age 80, Alternatively, however, the employee could elect to receive 5208.45 per month immediately. This benefit is determined as shown below: $687.50 x 30.32% == 5208.45 The early retirement factor shown above (30,32 %) is aClUariul\y determined based on the employee's currenl age and the : I number of years that he/she is receiving the benefit early. The acruarially equivalent percentage would vary year by year from age 70 to age 80 consistent with the age of the employee at termination and the number of years he/she would receive the benefil early. (Note: Actuarial number in the ahove example was provided hy Stephen M. Mell, Principal, Coopers & Lyhrand.) . . ~~.~ I~.'{' Wages Pension City Total Contribution Contribution Contribution 16,703 16.703 33.406 6 year totals 3,462 3,029 61491 3,566 3,120 6,686 3,673 3,214 6,887 3,783 3,310 7,093 31,187 29 .376 60,563 10 year totals 44,612 12,268 3,720 (4,239) (520) 42,015 43,275 44,573 45,910 47,287 5 year average wage 27.5% (10x2,75%) 30,32% (reduced benefit) 7% Earnings ($60,563) .. Excess earnings " Assumptions: · 3% yearly increase -. 10 Year Interest Earnings not included Each year the plan could pay the benefit from Interest earnings and have $520 left. At death, the plan would still have the contributions of both the City and the Employee. I j ! I , 1 I 1 :1 I i i I I j 1 27-Aug-95 PB NOTE 1.3 . Funding of COn.l\LilutioruU Officers BUd2cU for &nIIu.aJ operuiol; e~pc:Dditurt:S of thc Cler\:: of the Circuil Court, Sbenff and Supervi~r of Elec- tions IU'e tnmsfel'Ttld lO the n:speclive offices from !he Gc:.lIera.1 Fund of the Boa.rd. The Tn Colleclor chugcs commissioD fees for ~n'iccs rcndered \0 the Baud ba..~ 00 lUes colleGled for the \'lI.nous funds. The Property Appnair.er's fees from the Bornd arc based an the ratio of CoUll I)' Lues to IO~ Lues of Il.!l L:u units throughouL the CoWlry in the prior fiscaJ ye.u, u.cb Coo.~litulionlll Officer is required 10 pay inlo the Boud's General Fund 11.11 Tl'Vl:nUe.s in cXce..~ of upend- itures (exce.~ fees) within 31 dB)'s aner fiscal ye.a.r end, The folJo\l,iDt ~blc sbows the lransfers to the ConslilU' tionll.l Officcrs and eXCess fees pllid by them for the year ended September :30, 1994: Tr.msfer To E "cess F teS Clerk of Circuit Court 525,639,890 51.635,b05 Property Appraiser 6,586,573 243,6i7 Sheri ff 95,766.035 1,366,612 Supervi~r of Eleclions 2,776,220 332.023 Tax ColleclOr 9.452,297 6,630.375 NOTE )4 - Retiremenl Plan SubSlaDtidly all full time employees are panicipanlS in the florida Retireme.ol System (the System), a defined betJefit, cosl-sharing mulLiple~mploycr public rtlire- m~l sy!;lem. which is conlrolled by Lbe StaLe L:gish.- t"UR and a.d.miniSlen:d. by the Salt Division of Retire- ment. Employees are nOI obligaLed to conLribule to the syslem. The plan covers approximately 546.000 full- timc employees of various governmenLal units wi1hin the Slate. The System provides for v!;Sling of benefiLS aner 10 yca.rs of cn:ditt:d service. l'ofIIlal relirement benefits tI.1e available 10 employt:eS wbo relire at or aner age 62 ....ith 10 or more years.of service. Early reliremenl is il .v~lable Ifter 10 yean; of serviCl. with II 5 ~ reduction of bcnefilS for ea.c:h year prior lo Lbe DOflIULl retin:.menl Jo.re. BcnefilS lU"C ha."-Od upon kge, yean;-of~ice credit '&nd lI\1el'1l.Fe co mpenSlltioo, which is compuLed using the individwJ's five bightSl )'e.IU'ly elU"Oincs. E. .' t I I I I Emplo)'er contributions Irc based upon TOlles e.~Lablisbed by the SlJIle. These rates are .lIpplitd 10 employee w- li.n.:s as follows: n:gula.r cmployteS 17.75%, sJ>&ii.l risk employees 27.62 %, e1t:CLed ofociiJs 26.32 %, and r-enior lDJUlllgement 21.03 %, Total payroll for the Counl)' employc:cs covered by 1he S)'Slem WllS approxi- mate))' S 154 million for the year ended SepLCmber 30, 1994. The COWlI)"S 101Al pll)'roll WIi.S approxitD.IIlely SlS5 millioD fOf the same period, 11 I I The County's ponioD of the acruaria.l1y delermined . contribulion requirement for the pJIUl WliS S32 millioo. I The County's actual contributioD 10 the phm for tbe year ended Seplember 30. 1994 was lIppro:dmalel)' $.32 million and was paid b)' tbe due dale for the conlri- b~.lIion. This represents 21 % of the CountY's covered payroll. .' f"] ,!.o_~ S 5 -.--".. .:.~,{..,~ COUllI)' contribuLions for 1he fiscal yur ended St:ptember 30. 1994 repn:sented approxiDUllely 1.~ % of IOU;.} conlribulions 10 the Florida Retirement Syslem. The 5)'Slem publisbes IUl unlludiled annu.al report that prOvides len-year his10rical Ln:od informalion llbout progress nu.de in accumuhuins s\.lfficienl asseu. \0 pay benefilS when due. The mOSI Tecent llvailable report is for 1he plan year ended June 3D, 1994. I I . , .1 .' 1 - I . . , i ... .4' - I ---.., ~~ 71 The estimated pension benefits obligllLion for the 5)'s. !.em lI.S a wbole delermined throuCh a.o :acrumllJ v;Ju.a. lion was approllma.le1y S~.4 billion al June 3D, 1994, the mOSL recenL :acro:aria} report, The report also rl':- ntCts nctassclS aVllilable for benefilS of approximalely ~:;3.1 billion and an unfunded acruariaJ accrued liability of S 11.3 billion, The pension benefit oblication is a sUl::Iwdi7.t:d me.llsim: of the present value of plan bene- fiLS, adjusLed for the effects of projec1ed salar)' in- creases and step-rate benefits estim.aled LO be payable in the: future as II result of employee service to dale, The me25Ut"C is inLended to help users 2.Ssess the 5yslem's funding sutuS on a going concern b:tsis, assess progress %WIde in accumulatin~ sufficienl asselS to pay benefits when due and make comparisons among retirement sys- lems and among emplo)'trs. . -c::.: - . . ~- :1 '':';:~1 .~ :"'1 ..' ~~ -~:~ ~I -~- ~ ';" ,. . .,,/1; Papa 1 of 3 CITY OF Cl.E.).RYO.. TER, FlORIDA I I { I DEFlNED BENEFIT PENSION PLANS REOUIRED SUPPlEME....'T ARY INFORMATION E&.IP1..0YEES' P€HSI04-l F\JND ....,."..1y.J~ of FL>n~~ Ptog-t.&: ~.\ I.L_U. F-o-n...Do"I ^...~j:..b:w f.o.flO'frt Fa s."...ns Qo:,,,. jiO'"l .knuary \.'~ l ~.7~.v..o So bE..~7~ ,t'C6 ..I..m.....')' " 1 P60 1 03.2t-::l,~ 'D::!.P15,~8 .lUlL......,.. 1 . 1 ~ l1e,~.1~ , 17 .2~.b03 AnUoL')' 1. ,~\ '::I:1,O'O,~ 1 x:.e.."\P,i1' -knu.ry 1 . 15lQ2 ,~.~,~, ,..., .1e.:!..1 06 J&nu.,ry 1. 1 PQ.3 1~..'{.~ 1Si.~.5.21 .l& nl.lkl)' " 1 ~ , Ni.r;::,e.OO5 , '; 1,~.1)P3 ,I.o...bM1 J..,u... b io"l Ul>.... E.lco.u of d. IUnt~o..d) (U,lun60-d) F-.o n";O'"I 0. flO' t1 F-o-ntJOo"I Mnu.&.l Do:ipuiO'"l .. .. F-.OPn\6~ fo-. ,.... frt c.c,...... .. d ho< coo nbo PfJ ol Funo+d Qo:ip.li 0'"1 F-. 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S E." \,;01.0 $. ,(j.~i .~, , ptlo6 2.~' ,r>a2 s:.~, , ::;: .C\46.67':; P.I'f,E.~~ ''''.:-~.P'O lP61 :Z.t~~.7:-6 'O.~ i:,,'!:.~7 ~::,71f,~ 'l:,7"'i,~ii 1~ 2.p~e.7€-< ~.~3 <:.L60.t17 f.272 ,OilS ".fo.to~,6P5 1~ 3.00',~6 t\) ~.~1 ::;:.~,~~ ~.Sn,5i4 ,&.~,1,.25i , p;(l 3.~,7~ (2) 1 O.~75 4:.bO'\+~ ".~,7~ U:.336 .005 1~\ ~.~t'i2'O 10,723 Z,~,POr;I ''''.610....:3 21.~,~ ,m ::.~.2:.2 ~.,~ ::,157,~ lc.01E,76P 2I,,7~.!>6:l ,~ ~.3Z2,~ E.C3' ~.~,~\ ,~.:;.u.6?oS 25,iTI,P14 ,~ ::;:.!X'.::.~ (:,655 ' L,~.~ ',7,370.375 ~.6.5.2.~ E.:otonloC'~ b.' Tv~ F\t.:;.LJ y...... EnOlod SeMtn F..t.,11'1OS Df ^aninin:'a~e ~-30 Fa vm+o nl3 Cot1l'il)Jbo'u E.u>enw. ~ i C",aJ 1l"65 S , ,6OC.e.57 S 305.Q11 S ?P\....~ S :,1n Z!:2 ,P66 l,7M.580 ~.~7 . 2~,BOlS 2."'H~,570 ,POl 2.057 .e, 5 :li5.705 2?0.2,7 Lj723~73; ,~ S,"17.2W ~.s.oo 250;.2&3 6,1:2::,0&5 ,~ 2.7~7 ,025 ~,~S ~.~ ~...e:;.~ ,~ ::.::20.208 ""65. en "',0.,SP .(." f 2"-< , s:a;l\ :: ,!);l6.C:21 21,7.~ ~4.fl.:)' .(.3& ,t>e 1 1~ J..072,3,.'\"i :::2~,~~ 670,755 .(.~,';;:3 1~ J. ,!.2E..21 6 ~.46S j~.'2'" ~,~,P\7 ,~ ....~.~ :"""2.365 e20.c;.5 f.032."'1 fj ... , . . SIrlC:e ptflJolOt1 ~Mfr. obhpat/M "'Ill no: ~ll'lminu;' p"1D" to J.v\1.Il'.')' 1. 1P&!:. hlnD"ic.i! rend C<i~ O(>pt-nOfn: nt-'foe>"l i~ p't ~nltod to' only ",".1'1 YIP."" Cont'I::vtlCY'll ......e miooe In .~O'o.an~ ....r.:'; .:-..;i.!l.illy o,;ll'lm,ntt: Co.'H'I:.Jllon Itc..J1 tt'nO?nu.. 118 . :.e- .~