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From YouTube: Community Development Citizens Advisory Committee | Hybrid Meeting | January 4th, 2023
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A
And
this
evening,
I
will
just
provide
you
guys
with
a
brief
synopsis
of
what
the
past
couple
years
has
looked
like
with
our
moderate
income
purchase
assistance
program
and
some
of
the
some
of
the
ideas
and
the
challenges
and
hurdles
and
opportunities
that
we
think
are
going
to
help
us
get
through
the
remaining
couple
months.
B
C
B
D
A
On
the
screen,
nothing,
okay,
so
I'm
not
entirely
sure.
E
B
E
And
actually,
while
acuria
is
sending
me,
the
link
to
that
I
just
do
want
to
add
a
little
bit
more
context
to
why
we're
having
this
conversation
tonight-
and
you
know,
the
reason
is
so-
and
I
I
meant
to
say
this
before,
but
just
everything
was
happening.
My
my
brain
got
a
little
frazzled
but
anyway,
the
reason
we're
I
invited
a
period
to
come
to
to
sit
back
tonight
is
because,
as
many
of
you
know,
the
moderate
income
purchase
assistance
program
is
funded
through
the
Community
Development
block
grant
program.
E
It's
not
a
competitive
program,
so
they
don't
necessarily
come
in
through
our
notice
of
funding
availability,
but
it
is
since
it
is
federally
funded
and
the
oversight
and
sort
of
evaluate
evaluation
of
the
performance
of
the
program
falls
under
the
purview
of
you
know
this
committee
and
our
our
this
team
we
like
to
invite
akiria
and
other
programs
that
sort
of
fit
the
same
mold
to
come
in
at
the
beginning
of
the
year
after
the
review
process
is
completed
and
we've
gone
through
a
sort
of
reviewing
all
the
applications
to
talk
with
some
of
these
non-competitive
programs
to
really
understand
what
they're,
how
they're
performing
what
they're
doing
and
what
they're
sort
of
seeing
in
the
next
few
months.
E
So
I
just
wanted
to
add
that
context
to
make
sure
sure
people
understood
you
know
what
the
purpose
of
this
conversation
was
our
rate
and
I'm
going
to
open
up
this
link
really
quickly.
A
B
A
Yeah,
no
thank
you
so,
just
as
she
is
pulling
that
up,
I
can
just
get
it
get
started
on
our
moderate
income
purchase
assistance
program.
Some
of
you
may
be
familiar
with
this
program
already,
but
our
mypat
program
is
intended
to
provide
in
moderate
income
households
with
assistance
to
purchase
in
the
county,
so
this
program
is,
as
Caitlyn
stipulated,
is
funded
entirely
by
cdbt
dollars.
The
program
is
a
deferred.
Second,
trust
loan
and
I.
Think
we'll
pull
that
up
here
in
a
moment.
A
But
one
of
the
things
that
we
know
is
really
really
critical,
especially
among
moderate
income
purchasers
is
the
fact
that
a
lack
of
savings,
especially
in
high
cost
rental
markets,
is
a
major
hurdle
in
meeting
the
requirements
for
a
down
payment
in
addition
to
closing
costs.
So
we
know
that
those
are
significant
financial
barriers
to
purchasing
so
policies
that
provide
down
payment.
Assistance
are
found
to
be
to
have
the
greatest
potential
for
increasing
home
ownership
rates.
A
So
this
is
one
of
those
programs
in
our
wheelhouse
that
allow
allow
us
to
be
able
to
serve
moderate
income.
Households
that
want
to
purchase
in
the
county,
Caitlin
I
can
try
again
if
you're
unable
to
pull.
F
C
A
Yeah
fun
times:
let's
see
we
can
yeah.
If
you
wouldn't
mind,
is
going
to
slide
three
okay,
yep,
okay,
yeah,
yeah,
perfect
and
I
can,
if
you
can
help
me,
navigate
that
that
would
be
helpful.
So
here's
just
like
the
the
primary
stipulations
for
my
path.
So
again,
it's
a
second
trust
loan.
A
The
the
loans
can
be
for
up
to
25
of
the
purchase
price
for
home
in
Arlington,
not
to
exceed
112
500
000
112
000
500
in
the
final
sales
price
cannot
exceed
more
than
five
hundred
thousand
dollars.
So
these
loans
are
a
30-year
conventional
loans.
They
carry
no
interest
or
monthly
payments
and
the
the
purchasers
must
be
first-time
home
buyers.
They
must
also
remain
in
the
home
as
primary
resident,
while
the
my
Papillon
is
outstanding.
A
The
my
peplone,
the
the
the
terms
of
the
my
Papillon,
are
released
upon
repayment.
So
what
that
means
is
that
when
a
homeowner
decides
to
either
resell
the
property
or
refinance
the
property,
if
they
have
enough
equity
in
the
property
to
repay
the
mypap
loan,
then
there
are
no
restrictions
associated
with
that
property
after
they've
repaid
the
my
Pablo,
along
with
the
repayment
of
the
my
Pap
loan,
the
county
has
a
shared
appreciation
model,
and
so
we
would.
We
require
a
25
of
the
equity.
A
After
all,
of
the
transfer,
recordation
and
real
estate
commissions
have
been
paid,
so
the
county
gets
that
25
percent,
in
addition
to
the
initial
loan
amount,
and
what
we're
seeing?
Typically
for
for
sales,
where
the
county
gets
that
that
shared
Equity
is
about
seven
thousand
dollars
in
the
the
shared
Equity
amount.
A
So,
yes,
we
can
go
to
the
next
slide
Caitlyn,
and
this
is
the
mypap
eligibility
criteria.
Households
must
earn
an
income
at
or
below
80
percent
of
Ami.
So
for
a
household
of
one,
that's
about
79
760
right
now-
and
this
is
of
course
the
HUD
published
Ami
criteria
for
household
of
four.
That's
about
113
840..
A
The
other
requirements
are
very
very
closely
aligned
with
what
a
First
Trust
lender
would
be
requiring
in
terms
of
the
credit
score,
I
think
I've
already
mentioned
the
maximum
loan
amount
and
the
maximum
sales
price.
We
would
be
looking
at
Arlington
properties,
only
the
debt
to
income
ratio
of
45
or
below,
and
a
minimum
down
payment
of
one
percent.
A
So
an
FY
18
to
FY
22,
the
county,
supported
20
borrowers
with
down
payment
and
closing
cost
assistance
through
mypap
totaling,
just
over
1.4
million
in
County
funds
or
cdbg
funds.
The
county
dispersed,
as
you
can
see
here,
the
lowest
number
of
loans
in
FY
21,
and
that's
primarily
due
to
covet
the
market
conditions
during
that
period
of
time
was
really
tenuous.
A
Purchasing
activity
was
nearly
non-existent
for
several
months
among
moderate
income
households.
So
further
to
that,
there
were
no.
My
papillons
dispersed
between
March
of
2020
and
may
of
2021
iPad
borrowers
who
earn
an
average
65
000
were
also
vulnerable
to
the
housing
market.
Uncertainties
at
that
time,
and
many
of
them
that
purchased
or
applied
for
mypap
in
2021
communicated
a
desire
to
purchase
sooner.
But
there
was
a
reluctance
to
do
so
and
several
factors
were
were
cited
and
that's
the
the
fear
of
the
market
collapsing.
A
A
So
the
average
my
Pap
loan
amount
between
FY,
18
and
22
was
approximately
73
000.,
and
this
is
really
due
to
the
increasing
real
estate
prices
and
the
fluctuating
home
buyer
Trends.
There
is
a
there's
just
a
lot
of
uncertainty
there,
so
in
FY
18
the
average
loan
amount
was
about
55
760
and
in
FY
20.
A
The
average
loan
amount
was
97,
187
and
again,
primarily
due
to
increases
in
prices
as
well
as
interest
rates
next
slide
so
further
to
that
average
or
that
the
average
my
Papillon
amount
in
FY
20,
the
we
also
saw
the
highest
purchase
price
amounts
in
FY
20..
A
A
It
is
important
to
note,
though,
that
in
FY
22,
the
average
purchase
price
includes
the
sale
of
five
affordable
dwelling
units
which
are
price
and
value
restricted
to
remain
affordable
into
perpetuity,
and
so
those
units
were
new
units
and
typically
those
units,
because
they
are
affordable
dwelling
units.
They
are
more
affordable
than
the
market
rate
units
for
the
same
type
of
units.
They
were
brand
new
and
we
had
several
households
that
were
interested
in
buying
those
units.
A
So
in
terms
of
my
pack,
housing
type
and
size
so
from
FY
18
to
22
Condominiums
were
traditionally
more
affordable
than
other
housing
options
and
85
percent
of
my
pet
purchasers
purchased
a
condo
in
those
fiscal
years,
while
single-family
homes
and
duplexes
make
up
about
15
of
the
home
purchases.
A
My
Pap
Bowers
also
most
commonly
purchased
two
bedroom
units
followed
by
one
bedroom
units
of
the
three
bedroom
units
that
were
purchased.
Two
of
those
units
were
affordable
dwelling
units
so
once
again
that
affordable
those
affordable
dwelling
units
are
really
meeting
some
of
the
the
gaps
and
the
needs
associated
with
the
moderate
income
purchaser
desires
to
to
really
have
those
larger
units.
A
We
can
move
to
the
next
slide,
so
my
path
household
size
from
the
same
period
of
time,
FY
18
to
22.
We
had
about
half
of
the
mypat
Borrowers
that
were
made
up
of
households
of
one
households
of
three
accounted
for.
Four
of
the
20
purchasers
followed
by
households
of
two
a
well-known
hurdle.
Hurdle
faced
by
prospective
buyers
is
the
affordability
of
units
that
accommodate
growing
families
and
I.
Think
that's
really,
you
know
all
throughout
the
region,
but
we
are
increasingly
seeing
households
of
one
apply
for
this
program.
A
So
just
anecdotally,
four
of
the
five
applications
that
I
have
on
my
desk
are
households
of
one.
We
see
households
of
one
being
far
more
Nimble
in
terms
of
the
unit
that
they
choose.
They
are
more
flexible.
They
tend
to
not,
of
course,
have
as
much
overhead
and
debt
and
at
in
this
time,
in
the
market
they
are
looking
to
purchase
and
oftentimes
are
younger,
just
coming
out
of
college.
A
A
Next
slide
so
in
terms
of
race,
my
Pap
race
and
ethnicity.
For
the
same
time,
period
eight
or
forty
percent
of
my
pet
borrowers
were
white,
but
non-hispanic,
while
Black
and
Hispanic
households
collectively
make
up
about
half
of
those
who
purchased
using
the
program.
A
A
These
households
have,
on
average,
the
highest
income
of
about
70
000,
just
close
to
71
000,
but
although
they
had
the
high,
they
were
the
highest
earners.
Black
households
were
not
those
that
purchased
the
highest
average
price
home.
That
was
the
white
or
non-hispanic
households
who
happened
to
earn
about
10
percent
less
than
the
black
households,
but
purchased
homes
that
were
priced
about
10
percent,
more
than
those
households
that
were
black
or
African-American.
A
And
then
we
have.
We
only
had
one
Asian
household.
So
it's
in
a
lot
of
ways.
It's
really
difficult
to
account
for
that
in
the
the
larger
number,
but
in
terms
of
the
Hispanic
households,
the
average
income
was
about
55
000,
and
one
thing
that's
noted
is
that
for
FY
18
we
saw
some
of
the
lowest
income
earners
that
this
program
has
has
seen.
We
actually
saw
two
households
that
were
in
the
the
upper
40s
and
were
able
to
purchase
in
Arlington
and
granted.
A
They
purchased
units
that
were
below
two
hundred
thousand
dollars
and
we
typically
don't
even
see
those
types
units
anymore,
but
those
were
households
that
benefited
from
this
program
greatly
and
both
of
those
households
happen
to
be
Hispanic.
A
Next
slide,
please,
in
terms
of
my
pad
purchasers
with
children
of
the
20
households
that
received
my
Pap
for
FY
18-22,
a
35
of
the
households,
households
included
children
and
nearly
half
of
all
children
belong
to
Black
households
and
39
percent
of
children
belong
to
a
Hispanic
households.
A
So
this
further
underscores
the
the
desire
for
potential
purchasers
to
be
able
to
purchase
units
where
their
families
can
grow,
where
their
children
can
have
separate
bedrooms,
perhaps
where
they
would
not
have
to
transition
to
other
schools
if
they
wanted
to
sell
the
unit
and
buy
something
that
were
a
bit
larger.
A
So
here
we've
noted
that
the
overall
average
age
of
my
pet
borrowers
between
18
and
22
was
36.
in
FY
19.
All
buyers
were
above
the
age
of
43,
but
the
average
age
for
the
remaining
fiscal
years
was
below
40..
So
of
the
last
10
my
papillons
dispersed,
those
were
between
FY
20
and
FY
22.
A
A
A
This
slide
reflects
the
outcome
for
the
remaining
43
applicants
so
to
obtain
better
feedback
and
insights
into
why
applicants
did
not
purchase
staff,
conducts
follow-up
inquiries
with
households
who
withdraw
a
complete
application
or
a
partial
mypap
application
so
of
the
43
applicants
who
did
not
purchase
23
cited
monthly
costs
and
housings
and
size
for
the
desired
unit
type,
and
this
really
goes
back
to
the
costs
associated
with
condo
fees,
because
those
costs
are
baked
into
a
debt
to
income
ratio.
There's
no
way
to
get
around
it.
A
A
lender
is
going
to
make
that
cost
into
your
debt
to
income
ratio.
You
cannot
opt
out
of
it
and
as
as
often
as
as
we
get
that
question
and
so
because
of
that,
the
monthly
cost
for
the
unit
type,
because
so
many
households
would
prefer
to
have
a
duplex
or
even
a
single
family
home
if
possible,
but
certainly
a
larger
condo.
A
So
many
of
them
were
23
of
the
applicants.
We
withdrew
their
applications
after
getting
out
there
and
determining
that
the
unit
that
that
they
hope
to
purchase
was
not
going
to
be
affordable
to
them.
A
Based
on
the
debt
to
income
requirements
that
their
first
trust
lenders
would
have
in
place
oftentimes,
they
would
want
larger
bedrooms
as
well
as
additional
square
footage,
and
these
responders
were
surprised
to
learn
that
the
monthly
costs
associated
with
the
units
that
they
wanted
to
purchase
was
exorbitant
and
among
this
segment
of
responders,
the
average
household
size
was
two
persons.
A
Next,
the
mypap
applicants
who
had
debt
to
income
ratios
that
would
make
home
ownership
unaffordable
or
marginally
affordable,
accounted
for
about
21
of
responders
of
those
responders.
The
average
household
size
size
was
three
persons
and
again
it
has
when
we're
looking
at
how
larger
household
size
we're
looking
at
possibly
to
adults.
A
So
those
two
adults
were
looking
at
their
credit
credit
for
both
adults,
student
loans
and
Consumer
Debt
and
the
like
are
all
just
kind
of
lumped
lumped
in
there.
19
of
responders
ended
up
purchasing
elsewhere,
both
within
the
region
and
out
of
state
and
19
percent
of
responders
were
over
income
or
increased
income
income
following
the
application
submission
next.
B
A
So,
based
on
the
past
several
years,
we
have
made
some
observations
and
just
kind
of
seen
what
you
know,
what
the
opportunities
are
for
for
this
program,
as
well
as
our
a
few
of
our
other
programs.
But
we
do
know
that
my
Pap
loans
have
increased
over
time,
that's
primarily
due
to
to
the
housing
market.
We
know
that
bars
buy
smaller
one
and
two
bedroom
condos,
as
opposed
to
the
three
bedroom
units
that
they
would
prefer,
but
because
they
are
limited,
a
supply
of
affordable,
larger
bedroom,
housing
stock.
A
Additionally,
we
work
with
Virginia
Housing
and
are
a
part
of
a
cohort
that
offers
a
spark
program
which
is
a
interest
rate
Reduction
Program
and
with
this
program,
Virginia
Housing
loans
are
offered
to
households
that
meet
income
criteria
and
they
can
get
a
one
percent
interest
rate
reduction
for
those
loans
in
terms
of
challenges,
as
always
restrictive
lending
criteria,
especially
post
covid,
the
lack
of
desired
inventory
in
the
affordable
range
debt
to
income
ratios
and
then
those
those
HOA
fees
which
are
really
difficult
to
to
get
around
and
because
there
are
not
many
other
housing
options
that
do
not
have
HOA
fees
associated
with
them
that
are
affordable.
A
Those
that
perhaps
are
in
that
80
percent
of
Ami
category.
That
would
want
to
purchase
we're
also
looking
to
develop
ideas
around
a
renter
to
homeownership
cohort.
That
could
also
be
a
part
of
those
households
that
are
renting
at
about
80
percent
of
Ami,
where
we
could
support
those
households
for
a
period
of
time
through
homeownership
education,
Financial
counseling
and
then
have
that
lead
to
down
payment
assistance
like
our
mypat
program.
A
So
we're
looking
at
those
ideas
and,
of
course
we
welcome
additional
ideas
right
now.
The
county
is
well
on
our
way
in
doing
a
homeownership
study
next
slide
and
our
home
ownership
study.
We
are
looking
at
at
the
the
needs
and
the
preferences
of
potential
buyers
in
the
county.
We're
also
really
delving
deep
into
affordability,
criteria
and
barriers
to
purchasing.
A
We
want
to
examine
the
availability
of
affordable
housing
stock
and
try
to
figure
out
ways
in
which
we
can
support
moderate
income,
home
buyers
and
existing
homeowners
that
need
those
supports
in
order
to
purchase
or
maintain
home
ownership
in
the
county.
We
also
want
to
clarify
and
better
Define
the
community's
home
ownership
goals,
the
vision
and
our
values,
and
we
want
to
examine
the
efficacy
of
our
existing
programs
and
hopefully,
just
drop
some
new
programs
new
program
goals
for
the
community
to
support
to
support
these
needs.
A
So
with
that
I
think
that's
about
the
end
of
this
presentation,
but
I'd
be
happy
to
answer
questions
with
regards
to
the
homeownership
study.
I
know
Caitlyn
may
have
touched
on
that
previously,
but
we'd
be
happy
to
just
provide
additional
information
or
insights
on
that.
E
Great,
thank
you
so
much
akiria,
I
guess
before
we
move
to
the
room
for
any
questions,
I
wanted
to
make
sure
that
we
opened
it
to
the
couple
members
who
are
on
the
call
first
to
see
if
they
have
any
questions
and
if
you
do
just
raise
your
hand,
use
a
raise
hand
feature
all
right.
Well,
not
seeing
anything.
Are
there
any
questions
in
the
room,
Laura.
C
E
You
want
me
to
take
that
one
to
curia
sure,
okay
yeah,
so
this
is
we
sort
of
revised
the
way
that
we
funded
the
program
a
couple
years
ago.
Previously
it
was
sort
of
all
kept
in
a
revolving
Loan
Fund,
but
because
of
Hud
timeliness
requirements
and
just
being
us
being
able
to
spend,
you
know
money
to
the
to
the
for
the
requirements
of
Hud.
We
actually
allocate
new
funding
to
this
program
every
year.
Now
so
the
last
couple
years
it's
been
about
600
000
each
year
and
I.
E
The
so
the
the
paid
repayments
come
back
to
the
county
as
program
income,
and
it's
then
put
back
into
our
unprogrammed
funding
coffers.
If
you
will,
and
we
can
then
use
it
for
other
programs
or
potentially
reallocate
it
to
mypap.
If
you
know
there,
we
anticipate
there
the
program
would
need
it,
but
a
lot
of
times.
What
does
wind
up
happening
is,
you
know
we
do
often
allocate
cdbg
to
multi-family
projects
and
a
lot
of
times.
Those
repayments
are
then
factored
into
that
loan
amount.
E
H
You
do
you
know
of
the
I
think
it
was
17
or
19
that
purchased
elsewhere.
C
H
You
know
if
they
have
any
purchasing
support
towards
those
purchases
or
if
they
were
able
to
based
on
presumably
the
lower
cost
of
property,
able
to
buy
outright.
A
We
did
see
a
couple
households
that
purchased
affordable
dwelling
units
in
the
city
of
Alexandria,
so
those
units
were
already
reduced
or
affordable.
If
you
will,
but
that's
I,
think
that's
that's
about
the
gist
of
it.
H
Consideration
of
increasing
the
amounts
of
the
amount
of
a
particular
loan
or
utilizing
any
of
our
developer
funds
money
to
help
compensate
for
the
fact
that
you
know
they're
going
to.
H
A
Okay,
so
you're
you're,
saying
in
increasing
the
my
Pap
loan
amount
so
as
opposed
to
25
of
the
purchase
price,
possibly
30
of
the
purchase
price.
Is
that
your
question
yeah,
so
no
I
think
those
are
some
of
the
conversations
that
we'll
be
having
in
the
next
coming
months
with
the
homeownership
study
groups
and
forms
that
we'll
be
having
to
just
determine
if
that's
of
the
direction
that
people
think
we
need
to
to
head
in
the
the
Mad.
A
The
my
Papillon
is
really
one
of
the
highest
loans
in
the
country
like
this
is
a
hundred
and
twelve
thousand
dollars
to
purchase
a
home,
and
we
don't
see
that
Beyond,
you
know
places
like
San
Francisco.
A
So
it's
a
it's
a
very
large
sum
of
money
to
be
a
silent,
second
trust,
but
if
there
are
opportunities
and
and
if
if
there
is
presented
a
need
for
us
to
increase
that
I
think
you
know,
that
would
be
something
that
we
could
do.
I
think
it
is
important
to
to
mention
that
households
at
80
of
Ami,
but
there
are
some
times
where
we
get
the
question.
Well,
why
can't
we
increase
the
purchase
price?
A
A
In
terms
of
utilizing
resources
from
developers,
I
know
that
there
are
opportunities
to
do
that
with
our
affordable
dwelling
units
where
we
can
get
on-site
units
or
we
can
obtain
an
ahif
contribution.
A
A
For
example,
we
just
closed
the
units
at
2000
Clarendon
and
our
our
units
in
2000
Clarendon
were
priced
about
308
to
360,
and
the
2000
Clarendon
project
units
started
at
about
690
for
a
studio
unit,
and
so
we
we
do
take
advantage
of
those
those
development
tools
whenever
possible,
but
there's
always
an
opportunity
for
expanding
that,
and
if
we
can
make
that
happen,
I'm
I'm
all
for
it.
D
One
more
question:
how
do
people
find
out
about
the
program
and
once
they
kind
of
get
into
the
program,
do
they
just
like
go
out
and
work
with
a
realtor
like
any
of
us
would
or
how
do
they
kind
of
locate
properties,
especially
those
affordable,
dwelling
unit?
How
do
they
find
out
about
it.
A
Sure,
okay,
so
the
County's
website
has
all
of
the
information.
With
regard
to
the
mypat
program,
we
also
conduct
regular
marketing
efforts
where
we
are
at
housing
forums.
We
do
the
northern
Virginia
Housing
Expo.
We
have
notification
lists
that
are
where
a
household
could
be
added
to
our
notification
list,
where
we
would,
where
we
publish
regular
updates
on
our
programs.
We
have
a
close
to
300
people
on
our
notification
list
and
again,
that
is
that
comes
from
our
website
where
people
can
sign
up
on
our
website.
A
So
once
a
household
decides
that
they
want
to
pursue
mypath,
they
can
contact
us
and
we
can
just
walk
them
through
the
process
where
they
would
apply
for
their
first
trust.
They
need
to
have
approval
from
a
First
Trust
lender
before
they
are
approved
or
even
considered
for
my
pack,
because
mypap
is
the
second
trust
alone,
so
we
have
to
ensure
that
they
can
get
a
First
Trust.
A
So
they
can
go
to
any
one
of
those
lenders
to
get
approved
for
a
First
Trust
mortgage,
and
then
we
move
forward
through
the
process
and,
yes,
they
would
work
with
a
regular
traditional,
real
realtor
to
identify
a
unit
once
they
have
been
pre-approved
for
mypat,
because
essentially
they
are
looking
for
a
unit
that
would
meet
their
income
criteria,
a
unit
that
they
would
be
able
to
have
debt
to
income
ratio
that
meets
the
criteria
for
us,
as
well
as
the
criteria
for
their
first
trusts
lender
in
terms
of
our
affordable
dwelling
units.
A
That
information
is
also
on
our
website,
but
we
get
those
units
so
infrequently
and
those
units
resell
so
infrequently.
So
the
last
time
we
had
an
affordable
dwelling
unit
cell
was
in
2020
one,
and
that
was
in
the
the
unit
that
was
that
sold
prior
to
that
was
in
2017..
So
the
the
turnover
for
affordable
dwelling
units
is
few
and
far
between,
but
again
that
information
is
found
on
our
website.
Whenever
we
have
new
units
that
come
online
from
a
developer,
we
again
published
that
information
online.
A
We
get
Flyers
out
to
to
Civic
associations
to
any
association
that
we
have
on
our
list,
as
well
as
our
notification
list,
and
so
we
really
try
to
blanket
the
community
with
that
information
and
then
basically
people
would
come
right
back
to
us
to
to
gain
more
information
about
how
to
apply
for
those
units.
E
I
can
I
also
just
add
that
the
acuria
and
her
colleague
Odell
has
also
work
very
closely
with
Karen's
surface,
with
latino
Economic
Development
Corporation,
who
runs
the
achieve
your
dream
program,
which
is
also
funded
through
cdbg,
and
you
guys
have
a
really
close
working
relationship
where
you
know
Karen
is
doing
the
homeownership
counseling,
which
is
a
requirement
for
the
mypap
program
and
she
can
refer.
She
refers
a
lot
of
clients
to
the
my
pet
program,
yeah.
A
Thanks
for
pointing
that
out,
okay,
yeah
so
so
ladc
is,
is
a
great
partner
because
they
provide
the
the
homeownership
education,
but
then
also
the
financial
counseling
and
then
on
the
other
end,
they
provide
counseling
for
households
that
may
be
looking
at
foreclosure.
H
Two
last
questions,
so
do
you
happen
to
know
the
if
any
of
the
Prof
sort
of
the
typical
professions
of
the
buyers
just
curious
as
to
whether
they
are
you
know,
County
employees
by
your
teachers,
that
sort
of
thing
yeah.
H
Second,
question
is
I'm,
assuming
that
there's
no
tag
associated
with
the
loan
that
says
they
have
to
sell
to
a
affordable
buyer
when
they
sell
the
property
when
they
resell
the
property.
That.
A
The
how
it
is
got
it
so
in
terms
of
occupations,
we
typically
see
teachers
that
are
single
household,
single,
adult
individual
households,
administrative
workers,
some
workers
that
work
for
non-profit
entities,
definitely
County
Employees
we've
had
two
County
employees
that
were
able
to
purchase
affordable
dwelling
units
in
the
past
couple
years.
A
Those
were
the
new
units,
one
at
2000,
Clarendon
and
another
here
recently
at
axomite
Village
and
those
employees
were
able
to
take
advantage
of
the
live
where
you
work
program
that
the
county
offers
to
employees,
which
provides
a
Financial
forgivable
loan
on
top
of
my
Pap
and
so
we're
able
to
kind
of
Cobble
together
those
resources
so
yeah.
Primarily,
we
do
see
some
health
care,
but
primarily
administrative
education
and
non-profit
and
County
government,
and
then
in
terms
of
affordability
restrictions.
A
The
my
papalone
does
not
have
any
restrictions
associated
with
it
once
the
loan
is
repaid,
while
the
loan
is
still
outstanding,
the
unit
can
only
be
occupied
by
the
owner
of
the
property
and
they
have
to
be
the
primary
resident.
The
unit
cannot
be
resold
during
that
time
period.
And
once
once
it's
resold,
the
loan
has
to
be
repaid.
They
can
refinance
and
the
loan
does
not
have
to
be
repaid
when
they
refinanced
oftentimes,
in
what
we've.
A
What
we
saw
post
covid
is
that
many
of
our
mypat
borrowers
were
able
to
get
substantially
low,
lower
interest
rates,
and
they
did
so,
but
they
didn't
have
enough
equity
in
the
home
at
that
time
to
repay
the
mypap
loan
and
they
didn't
have
to
so
in
terms
of
your
question
about
restrictive
covenants
or
if
they
have
to
reap
if
they
have
to
resell
the
unit
to
another
household
that
meets
income
criteria.
The
answer
is
no.
A
Our
affordable
dwelling
units,
however,
do
have
or
do
carry
restrictive
covenants
and
those
are
in
the
deed
and
those
deeds
stipulate
that
those
house
households
have
to
resell
those
units
to
households
that
meet
income
criteria.
A
So
if
they're
80
percent
of
Ami
units,
they
have
to
resell
those
units
to
households
that
are
at
or
below,
80
percent
of
Ami
and
the
county
helps
in
ensuring
that
that
happens.
We
work
as
a
facilitator
between
the
seller
and
the
purchaser,
basically
by
doing
marketing,
identifying
a
new
purchaser
doing
all
of
the
underwriting
associated
with
ensuring
that
that
new
purchaser
meets
the
program
criteria
and
then
just
kind
of
helping
the
the
transaction
to
go
smoothly.
E
Great
well,
unless
there
are
any
other
questions
from
folks
in
the
room
or
on
the
call,
not
seeing
any.
Thank
you
so
much
for
joining
us
tonight
to
Curie
I
appreciate
it
thanks.
E
A
There
are
any
questions
my
information
I
think
Caitlyn
can
provide
that,
but
it's
also
on
the
slide.
Deck
and
I'd
be
happy
to
to
answer
any
further
questions
that
you
have.
E
Thank
you
so
much
yeah
and
I
also
will
just
you
know,
do
a
quick
shout
out
that
you
know,
as
akiria
mentioned
we're
working
on
this
homeownership
study
and
if
anyone
is
interested
in
participating
or
getting
involved,
you
know
let
me
know,
and
we
can
make
sure
that
you're
included
on
notifications
for
that
process.
We're
hoping
to
you
know
really
make
some
meaningful
improvements
and
changes
to
some
of
our
programs
to
continue
to
support
moderate
income
families
in
the
county,
all
right
so
I
think
Laura.
I
Evening,
thanks
for
having
me
give
me
one
minute,
while
I.
C
I
All
right,
so
so
the
affordable
housing
master
plan
annual
report
was
released
just
this
past
month
and
what
it
does
is
provides
an
overview
of
accomplished,
accomplishments
that
further
the
County's,
affordable
housing
goals,
objectives
and
policies
over
this
past
fiscal
year
and
that's
from
July
to
June
companion
document
is
also
available
on
our
website.
That
has
a
complete
data
set
of
all
the
all
the
indicators.
I
I
believe
there's
61
of
them
that
have
been
developed
as
part
of
the
the
master
plan,
monitoring
and
Reporting
plan,
and
this
data
goes
back
to
2010.,
so
I
believe
Caitlyn
sent
out
the
link
to
the
report
and
I
will
touch
on
a
few
of
the
highlights
tonight.
I
I
So
the
letter
from
the
director
highlights
new
or
ongoing
initiatives
such
as
the
newly
initiated
homeownership
study
that
a
curia
just
talked
about
so
I
won't
go
into
details
on
that.
The
letter
also
highlights
the
continued
use
of
resources
to
support
residents
impacted
by
covid,
including
housing,
food
and
Technology
assistance.
In
fiscal
year,
2022
1685
households
received
emergency
rental
assistance.
I
I
So
the
key
recommendations
of
the
implementation
framework
include
exploring
additional
financing
and
reducing
costs
for
affordable
housing
developments,
as
a
courier
mentioned
before
evaluating
our
home
ownership
programs
to
better
address
equity
in
West,
Wells
Building
goals,
increasing
the
number
of
subsidized
units
that
are
accessible
and
affordable
to
households
at
or
below
30
percent
of
area.
Meeting
income
address,
Capital
needs
and
increase
inspections
for
existing
committed,
affordable
units
and
to
promote
the
use
of
clean
energy
sources
and
committed
affordable
developments.
I
I
This
past
December
Arlington,
County
and
Amazon
worked
with
jar
Lynch
real
estate,
Partners
preserve
more
than
1300
market
rate
apartment,
affordable,
Apartment
Homes
at
Barcroft
Apartments
community
located
along
Columbia
Pike.
This
is
one
of
the
single
largest
preservation
efforts
ever
in
the
region
and
the
acquisition
met,
many
of
the
goals
of
and
objectives
of
the
affordable
housing
master
plan.
The
financing
package,
including
restrictive
covenants
that
require
jar
Lynch
to
maintain
the
1300
units
at
up
to
60
percent
of
the
area
median
income
for
99
years.
I
Additionally,
the
County
board
approved
just
over
21
million
in
financing
through
the
local,
affordable
housing
investment
fund
for
the
first
phase
of
Redevelopment
at
apa's
Marbella
Apartments.
This
will
include
234
units,
a
net
increase
of
over
200,
affordable
units
from
the
existing
Apartments.
I
These
units
are
blocking
distance
to
both
the
courthouse
and
Rosalind
Metro
stations
and
will
be
committed
for
75
years
and
we'll
serve
a
mix
of
households
earning
between
30
to
60
percent
of
area,
media
income
for
home
ownership.
Again,
Kerry
mentioned
this
briefly,
but
2000
Clarendon
Condominiums
were
completed
and
this
is
located
in
the
courthouse.
I
Neighborhood
and
contains
90
Condominiums,
four
of
which
are
committed,
affordable
homeownership
units
for
affordable
units
are
two
one
bedrooms
and
two
two
bedrooms
and
we're
sold
via
random
suction,
drawing
to
eligible
households
at
or
below
80
percent
of
area
meeting
income.
All
four
purchases
were
Arlington
County
residents,
including
one
Arlington
County
employee,
for
goal
to
access
the
county
continue
to
invest
in
eviction
prevention
in
order
for
households
to
remain
housed.
I
I
I.
Also
in
fiscal
year,
2022
for
seven,
first-time
homebuyers
received
down
payment
assistance
through
the
mypap
program
and
the
again
you
know
these
were
as
a
Curie
mentioned.
One
was
Arlington
government
employee,
another
was
a
single
family
of
two
and
another
one
was
a
single
mother
of
two
for
and
finally
for
goal.
Three
sustainability.
The
biggest
effort
that
was
in
in
2022
was
that
the
county
published
its
long-term
strategies
for
improving
oversight
and
tenants
support
at
aging
CAF
properties.
I
This
includes
17
strategies
spanning
five
work
areas
to
really
strengthen
the
County's
oversight
and
tenant
supports,
and
it's
over
11
000
plus
committed,
affordable
units.
I
So
significant
progress
has
already
been
made
in
many
of
the
strategies,
including
expanded
inspection
of
properties,
coordination
between
departments
on
tenant
and
housing,
issues
and
communication
to
Cath
households
to
learn
about
residents
experiences.
So
thank
you.
That
concludes
my
presentation
on
the
highlights
of
the
2022,
affordable
housing
master
plan,
annual
report.
E
All
right:
well,
if
we're
not
hearing
any
questions,
I
think
Joel.
Thank
you.
So
much
for
joining
us,
but
I
did
send
the
link
to
everyone
in
the
room,
so
people
can
kind
of
take
a
a
deeper
look
at
you
know.
What's
in
there
and
we'll
keep
on
keeping
on
with
further
further
further
progress
in
2023
all.
D
We
move
right
along
for
our
last
score.
Yeah
20
minutes,
we'll
see
what
we
can
accomplish,
so
we
wanted
to
just
be
brief
about
the
whole,
the
whole
gopher
process,
the
application
review,
the
ranking
the
scoring.
All
of
that
so.
D
The
results,
the
review
so
I
think,
as
Caitlyn
said
in
her
email,
we'll
kind
of
break
this
out
into
critical
category.
So
we
can
kind
of
wrap
our
heads
around
the
different
aspects
of
the
process
and
we'd
like
to
just
kind
of
open
it
up.
I.
Think
personally,
it
would
be
really
interesting
to
hear
from
the
folks
time
get
their
feedback
before
we
dive
in
and
before
those
of
us
doing
this
for
a
while
influence
your
responses,
I'd
love
to
hear
what
you
guys
thought.
J
D
Like
overall
process
from
start
to
finish
any
particular
feedback
you
have
about,
maybe
how
it
worked,
wasn't
what
you
were
expecting
it
to
be,
or
there
were
particular
you
know,
particular
feedback
ideas
for
how
complete
the
process
moving
forward.
So
I
think
the
new
folks
with
Jennifer
and
Margaret
and
Nick
I,
don't
know
if
this
was
your
first
time.
H
I'll
go
first
Okay,
so
so
two
things
one
is
that
I
I
really
liked
the
presentation
opportunity
that
that's
in
all
the
different
Grant
review
processes
I've
been
involved
in
that
is
generally
not
the
case,
and
so
I
thought
that
that,
although
time
consuming
was
valuable
because
it
both
from
a
being
able
to
ask
questions
and
also
get
a
little
bit
more
flavor
of
things,
it
was
also
very
useful
to
get
the
feedback
from
others
that
had
been
around
in
the
process
for
longer,
as
well
as
I
liked.
C
H
Because
that
also
made
me
look
at
it
from
a
different
angle
or
whatever,
whatever
the
others
so
I
thought.
That
was
great.
The
other
just
observation.
C
H
H
G
H
J
C
J
J
J
So
I
would
say
that
is
one
of
the
things
I
thought
about,
especially
for
some
of
these
organizations
that
are
really
small
on
like
one
or
two
or
three
people
like
that's
a
lot
of
time
to
put
into
something
so
I
would
say
that
I
really
enjoy
the
presentations
as
well.
I
thought
that
was
great
and
made
the
light
bulb
for
me
on
a
lot
of
these
things,
especially
people
who
were
a
little
bit
confusing
or
didn't
put
a
lot
of
information
in
their
application.
J
J
So
it
plays
much
more
of
an
emphasis
myself
on
the
presentation,
yeah
and
I
think
I'm
not
sure
what
instructions
they
get,
but
some
of
the
newer
people
I
knew
obviously
struggled
with
even
sort
of
like
answering
the
questions.
So
I
don't
really
know
what
the
process
is
for
like
getting
the
applications.
J
Like
get
the
information
that
people
get
to
fill
that
out,
so
I
think
there
was
also
some
times
like
a
disconnect
and
a
lot
of
people
are
actually
giving
asked
for.
For
example,
we
ask
always
ask
the
question
like
how
are
you
making
sustainable
and
then
we
completely
ignore
it
throughout
the
process
about.
J
K
So
I
was
going
eight
like
further,
like
each
day
that
or
like
for
each
night
that
they
presented
I
would
go
through
the
eight
of
the
eight
eight
or
nine
of
them
in
a
row,
and
my
brain
would
be
fried
at
the
end
and
they
would
all
blend
together
so
I
think
waiting
until
after
they
present
ly
and
all
of
information
from
staff
also
was
great
to
have
so
I
think
it's
probably
something
I
learned
from
that,
but
also
I,
don't
know.
I
just
think
I
think
we
talked
about
this
before
I
think
I.
K
It
would
be
helpful
to
have
them
in
person
to
do
the
presentation,
I
think
having
them
online.
Having
us
a
person
thing
doesn't
work
personally,
I
just
I'm,
not
a
fan
of
it,
but
also
I,
guess
when
I
I
guess
like
being
here
for
three
and
a
half
hours
straight
to
was
like
I
was
very
surprised
at
how
intense
those
conversations
were.
It
was
great
to
be
here
for
that
long
and
talk
with
everyone,
but
the
same
time.
It's.
C
K
It's
not
what
you
expect,
which
is
the
piece
so
other
than
I,
think
I
enjoyed
it.
I
think
I
really
liked
what
we
did
in
a
December
I
think
that
is
a
great
tool
that
you
use
to
kind
of
score
it
and
make
this
so
much
easier
to
know
or
like
understand
yeah,
but
other
than
that.
It's
been
good.
C
D
Other
folks
and
ships
to
talk
to
in
terms
of
the
organization
and
as
a
result,
the
organization
of
the
applications
you
know,
Jennifer,
you
have
some
some.
K
I
think
here's
the
other
thing
I
forgot
to
add
to
I
think
for
me
I'm
a
little
uncomfortable
trying
to
judge
people's
like
like
their
the
like
their
Scooby
like
I'm,
not
one
I
don't
want
to
grade
someone
on
like.
C
K
Uncomfortable
doing
that
so
like
on
that
part
portion,
I
think
you
know,
while
that's
great
and
all
I,
think
that
that
should
be
optional,
possibly
like
to
get
their
CV
of
like
what
their
background
is,
because
not
everyone
is
as
experienced
as
the
other
person.
You
would
be
because
I
think
the
kind.
G
G
D
I
G
Limit
sustainability
would
at
least
I
think
we're
talking
about.
How
is
this
program
going
to
go
forward
after
us,
and
so
many
of
them
answered
their
structure
and
their
long-range
plane?
You
know
organizational
not
financially,
and
then
we
just
need
to
be
a
little
clear
on
that.
If
that's,
in
fact
what
we
want.
D
B
H
J
E
It
yeah
this
is
one
of
those
questions
that
we've
tweaked
several
times
over
the
last.
However
many
years
and
yeah
it's
just
it's,
we
never
get
it
quite
right.
So
we'll
we'll
try
to
to
go
back
and
look
at
that
one
again
for
next
year
to
try
to
make
it
a
little
bit
more
clear.
We
we
do
emphasize
it
in
the
nofo
workshop
that
we
do
as
something
to
really
pay
attention
to
and
try
to.
E
You
know
make
sure
that
people
understand
what
we're
what
we're
trying
to
what
we're
getting
at,
but
yeah
it's.
It's
definitely.
G
E
I
guess
we
could
I
mean
we
could
I
mean
you
know.
We
haven't
said
that
because
I
don't
think
that
that's
in
we
don't
we've
never
explicitly
said
we're
not
going
to
fund
an
organization
forever,
but
you
know
maybe
we
we
consider
reframing
to
be
a
little
bit
more.
You
know
try
to
try
to
get
to
what
you're,
what
you're
saying
there
we'll
we'll
tweak
it
again.
D
Right
into
the
next
category
evaluation
and
scoring,
and
the
categories
and
the
groupings
that
goes
into
kind
of
how
we
group
things
and
discussed
her
rims
in
kind
of
groups
which
I
think
we
changed
up
a
little
bit
this
year
in
terms
of
not
making
improve
things.
Quite.
D
D
G
D
Being
consistent
own
scoring
that
it
kind
of
all
works
out,
we've
talked
a
lot
about
like
what
does.
D
You
know
but
I
think
if
you
guys
are
all
feeling
comfortable
with
being
consistent
among
you
yourself,
then
I
think
it
seems
to
be
working.
H
H
C
J
H
J
J
K
C
K
It's
going
towards
Personnel
because
that
it's
not
going
to
the
actual
issue
at
hand,
which
is
a
lot
of
what
they're
dealing
with
right
now
a
lot
of
these
organizations.
They
don't
have
the
funding
to
properly
Ace
that
which
is
a
much
bigger
problem
than
what
I
think
we
could
even
impact
I
I,
don't
think
we
are
I,
don't
think
we
are
allowed
to
pay
or
to
contribute
according
to
them.
For
personal.
Is
that
correct.
G
C
C
D
They'd
all
be
closer
to
that.
The
higher
end
of
the
scale
right,
like
I,
don't
tend
not
to
give
ones
and
twos,
but
I
try
as
hard
as
I
can
I,
don't
know
if
I
like
the
whole
range,
because
you
know
that's
what
we're
trying
to
do
is
differentiate
between
these
programs
and
they're.
Not
gonna
know
that
they
gotta
40
and
another
program
got
a
80
like
that's
what
we're
actually
trying
to
get
to,
but
admittedly,
fill
Ed
by
default
is
probably
a
success.
K
C
K
K
G
C
G
D
D
That
any
additional
thoughts
on
presentation,
format,
structure,
you
know
I,
guess
we
did
all
virtual
for
the
presentations
they
were
set
up
as
about
I
think
it
was
what
10.
C
I
L
C
H
K
D
E
So
yeah,
oh
I,
was
just
going
to
say
that
and
I.
You
know,
I
I
appreciate
all
the
comments
about
the
presentations
being
in
person:
virtual
hybrid,
it's
it's
there,
unfortunately,
there's
just
not
a
perfect
solution,
but
I
will
just
add
that
one
of
the
reasons
that
we
had
to
we
decided
to
do
virtual
attendees
this
year
was
because
of
the
room
capacity.
E
Issues
like
the
room
you're
sitting
in
now
is
the
was
the
biggest
room
we
had
available
online
in
October,
but
it
was
often
unavailable
and
even
when
we've
been
in
this
room
in
the
past
for
Proposal
review,
we
barely
fit
with
with
applicants
in
the
room.
E
So
now
that
room
311
once
the
technical
issues
get
resolved
is
back
to
being
available.
Maybe
we
consider
trying
an
in-person
session
next
year,
but
it
does
but
I
I
do
agree
with
him.
It
does
get
pretty
chaotic
when
we've
got
like
people
coming
in
and
out
so
so
anyway.
Just
thought
I'd
add
that.
G
C
C
C
D
C
H
Well,
that's
a
question:
I
have
for
staff
as
to
whether
the
new
folks,
particularly
if
they
didn't
get
funded
yeah,
it's
a
debrief
of
any
kind
or
something
like
that
where
you
know
they
can
learn
from
the
experience
and
improve
their
proposal.
More
yeah.
E
So
yes,
so
we've
offered
in
the
past
and
it's
more
in
the
past,
it's
been
more
of
like
a
hey,
we're
happy
to
do
this
and
some
take
us
up
on
it.
Others
do
not.
This
year
we
decided
we're
gonna.
After
this
current
review
cycle,
I'm
gonna
reach
out
to
applicants
directly
and
just
try
to
have
a
quick
conversation
with
them,
because
I
do
want
to
have
the
opportunity
to
kind
of
discuss.
E
Obviously
people
don't
have
to
take
us
up
on
that,
but
or
you
know,
put
much
thought
into
it,
but
I
think
that
most
applicants
when
we,
when
they
have
requested
a
meeting
in
the
past
they
you
know,
were
appreciative
of
the
feedback
and
you
know
having
the
opportunity
to
talk
to
you
guys
after
each
session
and
during
the
ranking
our
ranking
night
dot
night,
it's
really
helpful
for
us
to
be
able
to
relay
some
of
the
feedback
that
you
all
had
so.
H
Do
they
ever
foia
successful
applications
from
a
prior
year,
I.
D
E
G
L
L
L
K
K
C
C
L
C
L
H
C
E
For
you
guys,
yeah
yeah,
so
I
mean
we'll
take
this
feedback
and
try
to
incorporate
some
of
it
into
you
know
when
we
start
working
on
the
next
year's
nofa,
we
usually
review
that
with
the
committee
either
in
May
or
June,
so
you
should
see
a
copy
of
it
in
the
next
few
months
and
then
in
terms
of
next
steps
for
the
FY
2024
programs
or
applications.
We
are
in
the
process
of
developing
the
budget
recommendation
and
again,
that's
usually
released
along
with
the
county
manager's
budget
in
February.
E
So
we
will
obviously
share
that
with
everyone
once
it's
available
and
then
once
it
comes
out,
then
the
County
Board
typically
approves
the
budget
in
April,
and
then
funds
will
be
available,
starting
in
July
so
still
got
a
little
bit
of
ways
to
go,
but
we're
thank
you
again
guys
again
for
your.
E
You
know:
you're
reviewing
all
the
applications
really
committing
your
time
to
helping
us
review
these
proposals.
I
think
you
know
we
the
it's
a
long
slog
October
and
beginning
of
November,
so
we
really
do
appreciate
everyone's
sharing
their
time
with
us.
So
I.
H
Last
question:
I,
noticed
friends
of
guest
house
has
an
award
that's
higher
than
their
request.
H
E
F
Yes
sure
you
just
wanted
to
give
a
quick
staff
report
and
that's
this
document
here,
as
you.
I
Know
one
of
our.
I
F
Csdg
community
services,
okay
and
so
the
programs
that
we
fund
with
that
source
of
funding
they're
required
to
do
their
demographics.
Their
demographic
information
is
very
new
materials.
So,
at
the
end
of
the
fourth
quarter
report,
which
we
provide
to
the
state
for
that
funding,
the
state,
composer
information
and
they
generate
this
dashboard.
C
F
Programs
and
the
number
and
people
who
were
supported
by
this
funding-
you
know
we
have
you,
know:
age,
London,
race,
in
hearing
the
distribution
and
amount,
various
programs,
the
household
income,
housing
status,
all
of
those
all
of
those
indicators,
so
all
of
those
pieces
of
data
we
actually
collect
from
from
the
different
programs
and
organizations
provide
that
information.
F
So
this
is
the
synopsis
right
here
at
the
back
of
the
report
is
the
fiscal
information
in
terms
of
the
funding
that
we
got
and
how
we
utilize
that
funding
and
we
have
the
categories
by
which
the
programs
were
funded,
and
so
this
is
still
just
provides
a
really
good
caption.
So.
F
People
so
we
served,
there
were
some
total
figures
in
terms
of
individuals
and
families
yeah,
so
the
video
served
1009
and
the
number
of
families
of
856
and
we
and
Partnerships
it's
just
the
number
of
organizations
that
that
included.
E
Great
thanks
so
much
Rhoda
I,
don't
actually
have
anything
else
to
report.
We
I
think
I
just
provided
the
update
on
the
budget
and
you
know
plans
for
next
year.
So
that's
really
all
the
information
that
I
have
to
share
so
I
think
we
can
move
on
to
the
either
the
chair
report
or
member
reports.
Lara.
D
E
Yes,
thank
you
so
much
and
sorry
again
for
the
technical
difficulties
earlier,
but
we
appreciate
you
being
patient
with
us.
We
will
see
you
in
February.
Thank
you.
Thank
you.
Good.