08/31/1992
!:\ (~;,'\~1:~\~~'''ify,'~:I/(n~'1'?''?':~~:1:f, ::i t ""'.. ·
. , 'CI:' ~ (',:' \{ J ,', ~ j
~l: ~ ,-', ". .' . . i >.' . t ,I . .
. . . < <' ,<' } C I ~ ", I ".
'i
.,.
",'
f'
:,'
'....., .
;.\.~.: " ,", ','.'
.' I ~
,c"
" : ':: . > ',,: .L' :.':. ~
'."'1,
" ':'
.'. ';";, .,'....'. .,.,. "';":';:'i!'!";i~
. <.. Jl ~I
: ,'~~ ~L\l
,",'i,k,'
'::~(:i::
., '
'. . . ~.
"
. ..
\..;';, ;,
J":',..'
?~~:' .::'. '. ;'.~,
';it:
~~'.::,i;. /\:;_ ~
. ", .~I~~
. ,~ ..
,j .,
.\
., .\
~. . ~
. \
. I ~ . .
,'l,
;~( ,< ,.. < (<..'~ :':c.)~:,I.,.. .',",
.i ~', . ' "
.. . ~"It.. .~ ," . ~ ' .:,':... '.r::'.:.:.":'.",.:,.:,;,'.!::.!:~..,~:',;,.'..:~,.::,.";'~ +.\ I,'f~,'".':~'.'..:',',.' .' .,',.'
~;:~i(', . ,. ", '. ' '... . ' ,
.:~ . '. . . ~ ~.'i .' P.
?\:'.:1~1~\':'1' ." 1-"1.''':.'' :'.:. ,;::::;<:.': '. . :::.~;~; . .
~~:; ,l\IJ:':f:)','Yfr J~;' h'V~t:'~l'rll:.)":"'~~::::'!'f.'l"_'. ..~.J.
'J': .
" ,
,.'
.1
',',
.;'i
"-,'
.f.
....
'~, l' .~ "':' H,I ~~<:,E,:;'''I';, '~',:io ~~t ~''1,":''' " ," :"r;"-J"': ....,,"
"",;,,'fL
, .i'..'Jf')'....
. ~...
(",' ~l..~'"tf....l.~~ .(.r~i r.;',~Ii..;l~~.t...:rl. "f~
~~ ,.~~..'" ~.~".c
~, .
" '
POLICE
, ,
,I.
, '
.1 )
. SUPPLEMENTARY.
PENSION
Minutes
'Il ,
"
,
"
"
".
.'
DATE
I9Vf~n-df 19'1.2.
.G.
"/d
, '
'j
, '
",t.
,-;;:,~:: 7;;>:~~;:'t~,::::T~'~~--'~"-" .
~ ...."....1.;-. .~~..~:"'...~....'"
"..' ..
:1"':
I.... ..' .
t'. .
.I':'
';' J":
. ,.
.:' "
. ;> ..'
"t ,I u' , I.~I":'J..~'::~ ':~:(i:<.;:',;,.':~
;.
'.i .,.
, "
"
.r)
-.'
. c ,';0. ,,~.... ~ . '... ~ \.j:~~ ';'I:~._t.: .i.'.,.c;~
. I.C'~'" ....~\ "~It~:,'i.'[;::{'''';:~.~.':~~:'''.:,., ..
. . . .' .
. " ,'::: '.:,::.;<:' ;:\.:~:,":. ":',::::,/~'\.:L~: ...";' ,.";<':'J~:i\I/:}.::!:~,>i;~~:'~~\f~J.~
/. I <
....i '.
AGENDA
CLEARWATER POLICE SUPPLEMENTARY PENSION FUND MEETING
POLICE HEADQUARTERS, CONFERENCE ROOM
August 31, 1992
9:00 a. m.
L Approval of the Minutes of Meeting held' June 10, 1992.
2. Ratify the Payment of $27.68 to Joseph P. Egger for his Share of
Accruals Not Included in Original Calculation (for a Total Distribution
of $26,704.92).
3. Ratify .the Payment of $58.22 to Bemard J. McKenna for his Share of
'Accruals Not Included in Original Calculation (for a Total Distribution
of $57,528.41). '
4. ' Ratify the 'Payment of ,$68,210.87 to Barry W. Glover for his' Share
Value on his Job~Related Disability Retirement Date of July 22, 1992
(one hour into day).
5. Approve the Request of Edward S. Desmarais for his Share Value on
his Retirement Date IJ~~ August 4, 1992 (end of day).
6. Approve the Request (.f Robert C. Spitaleri for his Share Value on his
Non Job-Related Disa!JiHty Retirement date of August 4, 1992 (end of
the day).
7. Approve the RequesL of Charles A. Howard for his Share Value on his
Resignation Date of August 21, 1992 (end of day).
8. Ratify the Payment of $784.85 to Lee Dehner for Professional
Services.
9. Progress Update by City Capital Counseling.
10. Discussion on Preparation of I.R.~. 1099-R Forms (NCNB).
11. Discussion on New Contract with Southeastern Advisory.Services, Inc.
.' '. ....,'~..H...........' ~;"....~~.....,\.... .i"
..,
n-' ,,.J-...hT:..>-IL....~.~..:~~..~;,......."/'I''';,.~il1rioi\r1..........,:...~!).. ~. ",t.l. ..:.... .t'.,~ . . 't ' " '. "'}l'~~'~~ '""<' ,d~"" '.,
: : '.
, ~ .; l' ,
, '. ,.<'
. ~',
:',,.>r;:,
.. ,:'~;(
li:n~:~~:i,,,:~.<) ::;1',.,:.,,,.., ;;:"C"\'~i\~": ?',' ','.; .""';"';'< '\,'1" "'".' .... ,
~'. 'J . . " '. . .,' '
F;~\>:'<':-:";"" ;'..~ .J....
:" ~:~.
, t .,'.' -. ..', .:'d ','
'. .;
:~\~ -.>
".::'2 "':}""(,J*
'.
,;':t"." .
I(~:..' ::.,' : ~: '. . .
. ,
. 1\',:;.
, , < ~
r:,':.<.'. :.
....' c'. >
\,'. :
, r"
Ic,>",
, ,1-:'.1.. ~
. I. ~.
~~.;'.~~~, 'c.'' ,:c;,. : ~.
~'.~~>' /..,' ~ c
::\. ,
.; .'
. ','
,~ '>Vcl
: .
, ' . I "
;(.~::' ~ ',. 'r'> d' .' " ,1< " ,- .'
":':'~. : ': : ,I', (., ,. " '. . :. :.":: :... ..' . , . . '. .
~1t~frMl~~'~~t\V~~~,~~: \~ t',~:":~:!."~~ ,': l~i:: ;:-a~.~ ~jh.~~.. .... " ' .: ~,~. ,u". ~~~l..", ...., ~?....< ~;~:.:~~~~ :~~ >; t'~,":'-!-":'~, :: "',.'~ ,: -:;':. ~:;.~.':' .<.::~ /.,,::1_1<": - '. ;
; ,
, :
. . .!,,]
.' " .::1::.:
. .~','; .,';, ,', ",;': '::'~,.'~ ::~:'~:;'.;"~:i;."l;:::,;~.::.\:i,~:::' ::'/~'.'\:I.\:' ',.:,'.'':: ",::' ,.... ,~..:::\".:).,~, ..'!.~'1'~:' ~!~,""(.;~;~
", ,
.., Agenda'
Clearwater Police Supplementary
'. Pension Fund Meeting
August 31, 1992
Page 2 .
, ,tt
'.
"
12. Finalization of ,Rules and Procedures.
..I'.
13. Discussion of Upcoming Election of Board Members.
,..
I'.
. ,.
, '
;'
15. Other Business.
, '.
,':'f
."',:.
j ,
, :,,).,
,)
d:. g ( ,
WILLIAM SEDRICKt CHAIRMAN
Board of Trustees. . I
,f;
. ~'/:
\ <
" ,I
, .,
, ~;..
IF A PERSON DECIDES TO APPEAL ANY DECISlqN MADE BY THE '
. BOARD, WIlli RESPECT TO ANY MA TIER CONSIDERED AT THE
MEETING OR HEARING, HE WILL NEED A. RECORD OF THE
. PROCEEDINGS, AND THAT, FOR SUCH PURPOSE, HE MA Y NEED TO
ENSURE THAT A VERBA TJ]\.{ RECORD OF THE PROCEEDINGS IS
MADE, WHICH RECORD INCLUDES THE TESTIMONY AND
EVIDENCE UPON WHICH THE APPEAL IS TO BE BASED.
I
I
i
(
. I
i.":
" ',1
,
:.~ . c
. ."
I.; ~. \
,.:';.;,"
";. I'
. ~,f
.'
','."
,",,;;
>......
l<.'.:
,
.: I
~I':~':'
;.'/
,;
.
. -."., ~.~' c L .p..._.....,...........'.... .,....'II~H....;.......~""'.""_.-I' ~'M"~ ~
. + . '. . ._... '<I.~',' '.. . . > 4 . . . ~.' .,.. ,.. ,_
..'
..' ..>
::,:.:
<',;.\"'. ,.1,";"
.\
." '.
.. .
'.: \..!.: ~)' ''i'~.;:;'..
.'.": :''':':-'.: .'.:'i.>.:: ..:,'.:.
<:: -,.....<,./
, .' , ..' . .:'..; . . y'
. " . .' .. " f' , '. . c. ~ . ., :. , . ,> , ' , .' . \ , . . - " ' .. "
.'., ': "'; .... :"<:/\'" ~'.;;'-;~..::,,';::'-;i.'.:-? :~:, ;'.1.:;':'-'.' :',' '-.,. i.).\; ?i' \)~':
. . . , ' ' .....:. ,\I' '" I'.' ...' ,I .;n..>'. ..,: .......lM".., '. ,. ',. .._-,:':,....'.'\ . ... '\ ..:. , .'
'.1" ,\ ::'......,:.. ..:..t1-~:':~.~'.':':C,.~\.<....awII.~:', ..;<~ "':'-.~.".';.'.' :.:'.::, ..,.... '.,i.'
,,' i ~. ~ ~ c ':"
'c." . ,: ~
'..'
: ; :L"'"
, . ~ ' :"
..!:
',,' -I'
. .:'.', ". :',:, 'i~\
1,:1<_
,
~~jft;i~;1;,;j;iW:'i;;:,\i,h; M: f,!;i:o;;:} ,i,N .'.>:;"';;;:"'. ;;.... .::' '.',' ...., ". ,'.:.' .."" ....
f;< ~ .
, :\( ,
. ." . .
" . - ..:;....~: .:.. ':.:., <;'
'. ~ : . l : ! ~. . "" : . . .... , ,
:::, ::-,:~: ;'::;.'~:r~
,,'
CLEARW ATER POLICE SUPPLEMENTARY PENSION
MINUTES OF MEETING HELD AUGUST 31.1992
9 a.m.
A meeting of the Board of Trustees was held on August 31, 1992 at 9 3. m. in the
Conference Room at Police Headquarters, 644 Pierce Street, Clearwater, Florida.
The following trustees were present:
,
"
....\
Sergeant William Sedrick, Chairman
Richard Breest, Secretary
Roy.May, Vice-Chairman
Donald Hibbard, Trustee
William Horton, Trustee
Lee Dehner, Attorney for Board
1. :.'
Guests: Bishop Smith, Southeastern Advisory Services, Inc.;
Carole Cox, City Capital Counseling. Inc.; Leta Stoller, NCNB
.,
Chairman Sedrick called the meeting to order at 9:30 a.m. The first item on the agenda was
approval of the minutes of the meeting held on June 10, 1992. A motion to approve the
. minutes was made by WiHiam Hort.on and seconded by Don Hibbard. Motion carried
unanimously.
~': '
:>:~\
" '; .~:~' .
;;".
Item 112 - ratification of the payment of $27.68 to Joseph P. Egger for his share of accruals
not included in original calculation (for a total distribution of $26,704.92) and Item #3 -
ratification of the payment of $58.22 to Bernard J. McKenna for his share of accruals not
included in original calculation (for a totHI distribution of $57.528.41) were combined as one
item. Motion to ratify both payments was made by Don Hibbard and seconded by Richard
Breest. Motion carried unanimously.
.., .
~ : .' .
:f:",l,
L d.
~~;'::~ .
.: ~ {
5' .;.
..'
.< L. ~
Item #4 on the agenda was ratification of the payment of $68,210.87 to Barry W. Glover for
his . share value on his job-related disability retirement date of July 22, 1992 (one hour into
day). Motion to ratify the payment was made by William Horton and seconded by Roy
May. Motion carried unanimously. .
\,.,
: I',.
".;.:...;
. ~:": .
., .
....
.... t,~;~
Item #5 on the agenda was approval of the request of Edward S. Desmarais for his share
value on his retirement date of August 4, 1992 (end of day). MOlion to approve his request
was made by Don Hibbard and seconded by Roy May. Motion carried unanimously.
:,'1.'
, ..~ '1
:.-l.:).
, ,.
.' .',
....IL,
;1 ..~
.. .
. . ~ .
.~'.I~ ',.
..
Item #6 on the agenda was approval of the request of Robert C. Spitaleri for his share value .
on his non-job related disability retirement date of August 4, 1992 (end of day). Motion to
approve his request was made by William Horton and seconded by Don Hibbard. Motion
carried unanimously.
'::,.':"
.~,~!:
,'. ,
~ :'
Item #7 on the agenda was approval of the request of Charles A. Howard for his share value
on his resignation date of August 21, 1992 (end of day). Motion.to approve his request was
made by WilHam Horton and seconded by Don Hibbard. Motion carried unanimously.
....'
,..,
.,
".' :
: :. ~
. ,u
.' ,
.~ ... '!
:,..:r:.".:'.::t',,:.).~:;..;:\':;~L:;:.:::,:;:"':/:';.::,<<.......:,..':,.'....:.:.:....:.:.,"?:::...'.i,....... ;/., ':;...";" .'.; ::'..:......<,:::..:.:.....". ,. ;'. ....,::>.;,,:.....,. .. ",:.;.:.:;!....-:;.:.~.'..::.,:i ....:..~(;:.....\.:
. \ ,T.., .......,1 ,,0" ..' :.;. .:. .;~ .,:..;..~.,...::,::.:..,.,..,:.,.:,..:.....:~. ::;.'/ .,....~: ,:: ::::,:.:.:..~~..<~._...~:..\. ....~.......:....::.. ,.,:,;,.. .;..i,/~.' ...., . ::.~~..~.\f..:.>.::.....,:;:;~:'::...,; :','.~.,',;" ~:.. -:.::'~.' .':: :;.'..,")~ :,:~:';.:'" ::.:.......t~,:::..~.:,;..:..;::./\,..,.~,'\..:;.~.:,:.):...:..~'.:...)........./,:.....~:: .". .' '.. r
. . ':..." ' . .. .........-, ... 5'. .-. ..;,.,. :'...~~...,::,';,~,\,:..I.,:..',~...i:'.<.;:..::....;...1'..... .
.." ." \'.:~. ':;\'I:f(";;~~'" ,,'" ..~:..."\."'..,'.~':,;.::...:I>\...".,:..>:-.It.:.-.. I;.')~.,\.\~::.!..\;,'..I..,...~~.:::.\:.,'~.~,>;;,J___.::..;,~",::','<":':..,:>~ " ,~
.;'
, 0'
I'
, ,
<!t~':i~:,,::"J<!;:'::'1'::.i.!' }-~.: ;,';;-:i.';:}:';l'.: ;."~'.
. . .
: c 1 c . .
" . ~. ..' .
. " . '. ' ~: '
. .; l, " '~ " t. , ;.
, , ,'}:~ l' '
} :' c
< .' ~,
, 'I'.
,',:
Minutes
Supplementary Pension Fund
Page 2
" ,
~~, '
Item #8 on the agenda was ratification of the payment of $784.85 to Lee Dehner for
professional services. A motion to approve .the payment was made by Richard Brcest and
seconded by William Horton. Motion carried unanimously. '
I:'
Item #9 on the agenda was a update hy City Capital Counseling, Inc. Carole Cox,
Managing Director, distributed copies of a newly formatted plan summary report which was
calculated through August 20, 1992. She reviewed the report with Board members.
\('t
,I::
.. \
Further discussion was held on the interpretation of "foreign investments." Chairman
Sed rick and Attorney Dehner reminded Ms. Cox that certain investments not meeting the
criteria in state statutes would have to be disposed of prior to the submission of the annual
~~port (March 15, 1993). The Board decided to add a further explanation of the restrictions
applied in the ordinance, Section 26.73 (3) "Common stocks, preferred stocks and bonds and
other evidence of indebtedness issued or guaranteed by a corporation organized under the
laws of the Unitee States, any state, or organized territory of the United States oir the
District of Columbia. provided:" regarding foreign investments to the "Investment Policy
Statement. "
.1 '
.,",
",'
" '..
<~ . ,
,';.:.
"~. '\
.'::-J'
.,~ '
Ms. Cox requested that the "Investment Policy Statement" also be amended on page 3,
"Equity Policies and Restrictions", #3. sentences two and three to read "In this regard, only
securities with a financial strength rating in the top three categories of Standard and Poor's
and Value Line may be purchased. If an issue receives a split rating, the higher rating will
apply." After discussion of this issue, Board members agreed to the changes. A motion
encompassing these changes was made by Roy May and seconded by Don Hibbard. Motion
carried unanimollsly.
. ~. .
. '.
.'
. .,:
,/,',:
,',';:'
I . ~ '
. ",
~. :
'.,'
}.'...'
1 '.!,~
Item #10 on the agenda was discussion on preparation of I.R.S. 1099-R Forms (NCNB). As
this item had not previously been discllssed, Let Stoller had requested clarification on exactly
what their responsibilities were in this regard. Chairman Sedrick explained that based upon
information supplied by the Board. the account manager had, in the past, prepared 1099-R
forms for submission to the I.R.S. Ms. Stoller advised that she had learned that NCNB
could perform this service, but would charge $15 for each form prepared. As the amount of
money involved was negligible, Chairman Sed rick agreed to the fees.
.:/,':'
..' ~
,'/,
::};\
'. I~
<', \;
"",
,",;.
'.....
j ~"','
'<<:
Chairman Sed rick advised the Board that he had received correspondence from NCNB
concerning their conversion of currently held Itcollective funds" to their new "Nations Fund"
mutual funds.
'. "
, 'n,
~::<
~ ,:: :':
.., .~
.0" .
",1; ~ .
Chairman Sed rick signed the Itdisclosurelt statement requested by NCNB after approval of the
Board Attorney Lee Dehner, upon "grcement by Leta Stoller stipulating that the new fund
will be all government funds.
I,';
't'!:"
,> ~:'
/,~:
':~:..~
Chairman Sedrick then .called a brief break from 10:40 a.m. to 10:55 a. m. at which time
Leta Stoller departed.
, :'0;: ~
'.' .. ~
~ ~~ ,::,
Bishop Smith, Southeastern Advisory Services, Inc., reviewed the "executive summaryU for
the second quart.er and the performance to date of City Capital Counseling. After completion
of this review, Carole Cox departed.
'. '.
. .
, "
.<',"
"
:/:..,',
. ,
~ : ' . '.,
.:'/:},~~
'~,....-", .........".. .......,.-.~,.I'~-......*"""...~.......""...............
'r~""__.",",.,., ~.T' ..' .'
, .
,'?!:,:}t;,:;j;';;':",~ii(;~:l!;.;';;f~:.;:'T)' ::l+I""I:~:
u\"'
'i;;:;;';'t');/! ;.
.!..<.,:....:. ....):..;'0.
. :':~"" :~~). ~:<::':-.:' ,.' :' ::' ,:,. : '.', ':
1:--::\:". <,;':'
I;'::;; ,: +",\
":'~,,:~.~'~, ,>.'. " ~
:' '.
", "
.;".-.' ':.;:.:')'.'
"' i" i'"
I, ' .
. . .
',' .. ,\ ...
, [
I
!
,
:.::::.~:..:'.:.:!'::l;;.:.t-':.:.\?;:~::
.,'",:"'" ,
.":',";.. ..: ',:.,:.:::~.::::.:':.;';/:<
~Nk~!m" . ' .'..
7l'}t~J,,-~:.'r '..'- "I: .
J~tt:...\. ,'>1 ,~......t ,"
..~ ";. ~ .
. . . , ~, . " ,., . ,c
t\:s~ig(;'?~:..:'/;., ~",: ~.:',',. .: :\,/~~~),~c:~ -;;, >>J,,':' ,: ',"" ""',
, .
.' ~ ','<'
.i.:1 .
."" ~:~ ,~.:. "::.;' . .
., .
"
.: '; :.:",'
.'. '..
.-', .
.: >:'.<~. ;c,:' : .' ,.:. , .(:.
.~. '. . '::,
,rJ.:....>..,.r.!;.ff
". '"" .
, "
'.'
,. .
"
.i.,.
Minutes
Supplementary Pension Fund
Page :\
t.~
'.
Item #11 on the agenda was discussion on new contract with Southeastern Advisory Services,
Inc. After discussion, it was determined that the new contract, effective October 1, 1992,
will,provide for a $5,000 fee for submission of regular quarterly reports and other reasonable
requests. The fee will be raised to $9,000 only upon request of the Board for assistance in a
money manager search. The new contract is to be dmwn up by Bishop Smith and submitted
to the Board for signature in the next few weeks.
~.~ 4'
~ ~ ::
",")"
"
;,
, : ~
,,:",t'\.
, ,
., I,
Item #12 on the agenda was tinalization of rules and procedures. Chairman Sedrick advised
the Board that he had written general guidelines for the election procedures and given them
to Attorney Dehner for inclusion in the rules and procedures. He explained to the Board the
process used in the elections and how the upcoming terms of office will be staggered so that
four members' terms to not expire at the same time. He also gave Attorney Dehner a
general listing of duties performed by the "recording secretary" for inclusion in the rules and
procedures.
:l.'!
: . ~ .
'..
" '.~
. ,.
I':,
f....
,I, .
'l.:;,'.
I' ~
Item #13 was discussion of upcoming election of Board members. The procedure to be used
for the upcoming election was discussed in Hem # 12, with the election scheduled to be hel,d
in October so that the terms will begin November 1, 1992. '
Item #14 on the agenda was distribution of monthly financial reports from NCNB for th'e
period of June 1-30,1992; Juty 1-31,1992; and from First Union National Bank for July 1-
31, 1992.
Also included were monthly financial reports from NCNB for the period of April 1-30, 1992
and May 1-31, 1992 (which were inadvertently omitted from the agenda). The Board noted
this distribution. .
..
~ ::,~ :'.
.1'.
~. : , I
.j}'l
,"/::.
'I
t.......
.; ~.. .
..'\..
,';'\
,:;>..
i"..
,.,
. Item #15. on the agenda was other business. Chairman Sedrick raised the question to the
Board Attorney Lee Dehner as to the eligibility of Chief Klein to participate as a member of
the plan - as he is a sworn police officer certified by Police Standards and apparently meets
the criteria of the ordinance for entry into the plan. Discussion was held, including
background on why he wad denied entry into the plan originally. Mr. Dehner requested
copies of previous correspondence and wilt check on the matter.
,~ ~.' ,
:/V"
1.::i-.
....:.
. . ~ . ~
The Board agreed to the necessity for a brief meeting in approxima~ely one month due to the
upcoming election. Date/time for the meeting will be determined at a later time.
\\.",
.', :.
.'1 '
There being no further business, the meeting was adjourned at 12 noon.
:',.'
~\~c,l,
'. ,l .~.
;;::>.
. ,
. ~':
p;,h '&fer/-
.
RICHARD BREEST
Secretary
,\~. .
t:'I'"
...
.;~.< ~
;,;}
~ .; ,; .'
~':~. ~
..<.
t.. "
"'
, ;,.
. ',/.
; :,i
'i. <.~:-
, I'. .
", .
. ...
" .'
.,. t
<' ,'.
::. :" .':. ,:' ,:;"~; oc':: >'
;~. .
, .... .' """. ......;;:1:,.. .....,/:~:'f(:.~...f,::.:". ':'~ .::;::~~~\::' .::' ;::.::::!:;;';~::r~(..;i:: :::,r:'. . ,:::';, .':.", ::;} ~{,\:';:;.,":;~: !~~::,O:){)'.,..
".~:.. ,':.'>::,::::::,;", ";'.:::: ,.'..:., , ,::., ',<' ,.'1., l.' " \.1".;'; "",,~ ; ,'M'"....".., 1;:',., ',.',,~'.""" "",,"",'.'''''''.'.''
".. ,.' ~'...'..' ~~'.,.\ ,,:'.::,'J..'t,'+~: .'I'>":'~':}"""'~"""\.'~~"'___.'\' i'.:;..':~'''''''jl...~}':~.:<',~,''''~;':'.J''':;~".:~".~,!;I:,..~.~
I" ". ~h ~:
. ~ :.~. , .' '.
.." .
'"
. "