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A
A
Good
morning
and
welcome
everyone,
we're
delighted
to
have
you
with
us
this
morning
what
a
what
a
summer
we've
been
having
you
know,
it's
winding
down
and
hard
to
believe
we're
only
47
days
away
from
the
first
day
of
fall
and
with
fall.
We
think
about
school
and
knowing
that
in
13
days
the
Beaufort
County,
School
District
will
be
back
in
session
and
speaking
of
children.
A
I
know
a
few
that
are
back
in
school
today,
so
schools
winding
up
or
winding
ready
to
go
and
encourage
you
to
be
careful
and
watch
for
school
buses
and
children
as
they're
out
and
about
you
know,
I
can't
let
the
moment
pass
this
morning
without
a
special
hats
off
and
recognizing
the
Heritage
Classic
Foundation,
the
RBC
RBC
Heritage
is
250
days
away
and
one
or
two
days
ago
it
was
announced
that
the
RBC
Heritage
will
be
only
one
of
only
eight
one
of
only
eight
Signature
Events
on
the
PGA
tour
next
year.
A
So
what
does
that
mean?
Well
to
me
it
means
we'll
have
the
best
golfers
on
the
planet
here
and
that'll
be
the
week
after
that.
Other
tournament,
that's
just
down
the
road,
a
little
bit
the
Masters
and
so
April
15th
through
the
21st
mark,
your
calendars
now
and
once
again,
it'll
be
another
great
great
event
and
a
special
shout
out
to
Steve
Wilmont,
the
Heritage
Classic
Foundation,
all
the
volunteers
and
trustees
that
make
this
tournament
one
of
the
best
of
the
best
of
the
best
on
the
PGA
tour.
A
He
was
appointed
by
Governor
McMaster
in
the
spring
and
we're
anxious
to
get
his
take
on
how
South
Carolina
compares
to
other
states.
What's
on
the
horizon
for
insurance
rates,
Michael
welcome
we're
delighted
to
have
you
and
those
of
you
who
haven't
sent
any
questions
yet
I'll
remind
you
to
do
that,
and
we
have
several
questions
that
have
already
come
in
so
Michael
we're
looking
forward
to
hearing
from
you.
B
Well,
well,
thank
you
for
the
invitation
to
come,
speak
I'm
happy
to
do
that,
I'm
glad
to
be
with
you
all
this
morning.
You
have
to
excuse
the
lighting
in
the
background
I'm
on
the
road
right
now,
but
I'm
I'm
happy
to
be
here
virtually
so
just
briefly,
I'll
go
over
the
coastal
property
Market
as
we
see
it
and
and
provide
just
some
updates
there
and
over
you
and
then
take
those
questions
right
now,
the
the
coastal
Market
is
experiencing
some
issues.
B
Certainly,
you've
probably
seen
that
we
have
seen
the
costs
Rising
for
insurance
coverage.
We've
also
seen
some
strain
on
availability
in
certain
markets,
particularly
condo
buildings.
Right
now,
that's
what
we've
heard
a
lot
of
and
we've
seen
a
lot
of,
is
that
they're
they're
having
trouble
finding
coverage
and
it's
often
increasing
and
cost
astronomically
I'll
go
through
a
little
bit
of
that,
and
let
me
start
by
saying
some
of
the
reasons
why
Insurance
costs
are
going
up.
We
all
see
on
the
news
these
natural
catastrophes
that
happen
around
the
world.
B
B
The
insurance
companies
buy
something
called
reinsurance
and
reinsurance,
essentially
insurance
for
insurance
companies
and
those
reinsurers
operate
globally,
and
so
they
have
experienced
losses
from
events
throughout
the
world
and,
as
a
result,
they've
they've
lost
money
and
they've
raised
their
prices
to
cover
those
losses,
and
so
the
insurance
companies
that
buy
that
reinsurance
are
paying
more
for
it
and,
unfortunately,
that
means
premiums
are
going
up
to
cover
those
increased
costs
for
the
insurance
companies
themselves.
B
In
addition
to
that,
we
certainly
seen
claims
in
other
states
in
particular,
especially
Florida
last
year
with
Ian
and
that's
ongoing,
and
so
everything
that
impacts
those
companies
that
operate
in
South
Carolina
certainly
is
something
we're
aware
of,
and
we
keep
tabs
on
and
beyond
that,
we've
seen
a
lack
of
reinsurance.
What
we
call
capacity
so
investors
and
reinsurance
companies
are
less
willing
to
put
up
their
Capital
when
it
feels
like
a
riskier
investment
so
where
the
reinsurers
lost
money.
So
that
means
there's
less
reinsurance
available
when
there's
less
competition.
B
As
we
all
know,
prices
do
tend
to
increase,
so
that's
another
pressure.
There
we've
also
seen
rating
agencies
downgrade
some
companies.
Typically
for
a
mortgage,
you,
you
need
an
for
failure,
backed
mortgage.
You
need
an
a
rated
carrier
for
your
insurance
and
so
we've
seen
some
ratings
downgrades.
So
that's
put
a
little
bit
of
pressure
there
on
availability
in
the
market
and
then
we've
also
seen
property
values
go
up.
B
So
if
the,
if
your
property
value
went
from
five
hundred
thousand
dollars
to
six
hundred
thousand
dollars
and
that's
a
20
increase
in
coverage
that
you
need-
and
it
may
not
equate
to
exactly
a
20
percent
increase
in
your
premiums
that
you're
charged,
it
does
have
an
upward
effect
on
that
and
upward
pressure,
and
so
that's
impacted
things
and
then
inflation
in
general,
the
the
labor
and
the
materials
cost
to
to
replace
or
repair
anything
these
days,
but
particularly
property
has
gone
up
significantly
over
the
last
couple
of
years,
and
we
we
don't
have
a
crystal
ball.
B
We
hope
maybe
that's
starting
to
ebb
a
little
bit
some
of
those
pressures,
but
that
is
what's
impacting
Coastal
rates.
Now.
One
thing
to
just
keep
in
mind
is
the
questions
we
get
would
be
well,
there
hasn't
been
a
storm,
maybe
in
South
Carolina
that's
had
a
widespread
impact.
B
We
haven't
had
a
Hugo
in
a
long
time,
but
we
have
had
some
other
storms
like
Matthew
and
others
in
the
2000s,
and
so
we
we
see
those
things
happen
and
we
we
do.
We
do
get
those
questions
about
profitability
for
insurance
companies.
Well,
they
they
made
a
lot
of
money
in
in
a
year
we
didn't
have
a
storm,
so
the
business
model
for
property
insurance
companies
is,
they
tend
to
make
more
money
in
the
Years
Whenever.
B
There
is
no
hurricane
hitting
their
covered
area
and
then,
whenever
there
is
a
storm
that
impacts
significantly,
they
lose
a
lot
of
money.
Some
of
that
is
is
shouldered
by
the
reinsurance
companies,
but
then
those
those
direct
writers
do
shoulder
a
lot
of
the
burden
themselves
directly
and
so
we've
we.
What
we
do
as
a
regulator
is
we
make
sure
that
those
companies
in
the
good
years
are
putting
away
money
into
reserves
to
pay
claims
and
also
something
called
Surplus.
B
That's
an
additional
mechanism
to
have
funds
available
to
pay
claims,
and
so
essentially
it's
a
savings
account
for
the
insurance
companies,
and
so
they
put
away
a
lot
of
money
in
the
the
non-storm
years.
So
they
have
it
for
for
the
storm
years
and
that's
something
that
I
we're
trying
to
get
the
message
out
on.
That
is
something
that
maybe
somebody
who's
not
in
the
insurance
industry
doesn't
know
about.
B
They
just
haven't
been
exposed
to
that,
and
so
we
we
do
look
at
those
insurance
companies
and
make
sure
that
they
have
money
to
pay
claims.
That's
the
reason
the
insurance
departments
were
first
created
is
to
address
solvency
issues
of
the
insurance
carriers
for
all
lines
of
business
and
beyond
that
we
also
do
some
other
things.
B
Of
course
we
take
care
of
our
consumers
if
there
are
questions,
whether
it's
personal
lines
or
commercial
lines
of
insurance
feel
free
to
call
us
and
reach
out
with
questions
where
we
like
to
educate
as
much
as
we
can,
and
we
also
take
complaints.
So
we
can
address
those
with
the
companies
and
then
one
one
of
the
things
that's
come
up
with
the
condo.
B
Specifically,
is
the
the
type
of
insurance
carrier
that
offers
coverage
so
there's
three
buckets
if
you
will-
and
this
is
I'll-
try
to
take
out
some
of
the
technical
technical
details
here,
but
so
we
have
our
what
we
call
admitted
carriers
that
we
regulate
directly
as
the
department
of
insurance
and
those
are
the
ones
that
I
won't
say
any
names,
but
they
they
advertise
during
Super,
Bowls
and
on
TV
and
and
throughout
on
billboards.
So
those
are
the
ones,
those
name
brand
companies
so
to
speak
and
we
regulate
them.
B
We
regulate
them
from
a
solvency
perspective
from
a
rate
perspective
and
then
in
some
other
ways
as
well,
and
so
that's
one
bucket
the
another
bucket
on
the
Other
Extreme
is
the
South
Carolina
wind
and
hail
underwriting
Association,
that
is
the
residual
Market,
the
market
of
Last
Resort
in
the
state
for
wind
coverage
along
the
coast.
B
So
if
your
standard
homeowners
carrier
won't
write,
you
or
commercial
property
carrier
won't
write
your
win
coverage,
you
can
go
to
the
win,
pool
and
get
that
portion
of
your
coverage
taken
care
of
by
them,
and
so
then,
between
those
two
that
something
that
serves
as
a
it's,
a
niche
market
that
provides
some
flexibility
as
the
Surplus
lines.
Market,
those
are
non-emitted
carriers,
so
we
don't
regulate
them
it.
They
have
more
flexibility.
B
The
idea
is
that
they
can
feel
a
gap
between
the
admitted
market
and
the
residual
market,
and
so
these
condo
associations
that
are
having
a
lot
of
difficulty
are
primarily
dealing
with
the
Surplus
lines
market
and
we
can
communicate
with
them,
but
we
don't
have
any
any
say
in
in
the
rates
they
charge
or
in
their
solvency.
There
is
regulation
for
them
by
the
state
in
which
they're
based
they're
what
we
would
call
their
Dom,
Style
State,
and
so
that's
who
regulates
them.
B
They
typically
do
it
just
from
a
financial
standpoint
to
make
sure
the
company's
solvent.
But
that
is
that's
something
that
we've
gotten
some
questions
about
recently
and
so
I
feel
like
it's
helpful,
just
to
go
ahead
and
address
that
up
front
and
then
from
there
I'm
happy
to
take
questions.
There's
a
lot
we
can
cover,
have
notes
in
front
of
me,
but
I
I
think
there
are
some
questions,
so
I
want
to
leave
time
for
that.
A
Very
much
we
appreciate
that-
and
our
first
question
today
is
coming
from
Tim
and
Tim
is,
first
of
all,
saying:
fewer
policies
available
and
companies
eliminating
policies
for
areas
impacted
by
natural
disasters.
Our
policy
increased
by
54
in
2024
and
with
that,
what's
the
best
guess
for
increases
over
the
next
five
years.
B
So
I
can't
predict
everything,
that's
going
to
happen,
but
I
will
say
that
we've
heard
some
things
that
are
promising
about
the
reinsurance
market,
in
particular
that
it
may
be
cooling
off.
Some
will
time
will
tell.
Ultimately
we
have
heard
we've
heard
that
from
several
different
insurance
companies,
we've
seen
it
in
some
of
the
trade
press
and
we're
hopeful
that
you
know
that
will
happen
and
it
will
cool
off
that.
Maybe
we
can
have
a
break
from
natural
disasters
Worldwide
having
such
an
impact
as
they
have
we've
seen.
B
Other
states
are
in
worse
circumstances
than
we
are
California
and
Florida
and
Louisiana
Stand,
Out,
Florida
and
Louisiana
have
been
impacted
by
hurricanes
and
a
fair
number
of
major
insolvencies
in
their
states
and
California
in
particular,
has
been
in
the
news
where
some
of
their
largest
writers
I
think
three
of
their
top
ten
writers
in
the
state
have
said
they
won't
offer
homeowners
coverage
anymore
and
they
they
can't
get
the
rate
they
need
from
the
California
department
of
insurance.
B
And
that's
what
they've
said
and
so
they've
said
we
can't
operate
profitably,
we're
losing
money,
so
we're
not
going
to
do
as
much
business
in
the
state
and
they
pull
back
from
issuing
new
policies.
Typically
in
a
state-
and
we
have
this
law
too,
where
rates
cannot
be
inadequate,
excessive
or
unfairly
discriminatory,
and
so
they
can't
be
inadequate
because
you
need
to
make
sure
the
company
can
stay.
B
Solvent,
have
money
to
pay
claims,
they
shouldn't
be
excessive
and
overpriced,
and
then
unfairly
discriminatory
deals
with
things
like
you
can't
read
on
someone's
race
or
religion
and
protected
classes
like
that.
But
we
we
have
heard
stories
about
the
the
rates
going
up
by
that
much
again,
it's
a
combination
of
things
from
the
reinsurance
costs
to
your
property
values
going
up
and
needing
more
coverage
and
then
just
general
inflation
and
the
Surplus
lines.
Market
competition
is
limited,
and
that
also
has
a
negative
impact
on
pricing,
which
means
meaning
that
it
goes
up.
A
B
Sure
so,
with
property
insurance
in
general,
we
we
recruit
as
many
carriers
as
we
can
some
of
these
markets.
There
aren't
many
riders
and
they
either
choose
to
write
it
or
they
don't.
But
we
we
do
have
conversations
with
prospective
carriers
with
carriers
that
are
already
in
the
state
about
expanding
their
offerings.
B
So
the
things
that
we
do
to
recruit
the
biggest
thing
that
we
have
going
for
us
is
just
being
open
and
being
a
good
regulatory
environment.
We're
willing
to
have
conversations
with
companies
to
pick
up
the
phone
to
send
an
email
to
have
in-person
meetings,
and
that
is
some
of
the
feedback
that
we
get
from.
A
lot
of
carriers
is
you're
willing
to
talk
to
us,
and
we
appreciate
that
and
we
don't
always
agree
with.
Maybe
what
an
insurance
company
wants
to
do
or
how
they
view
things.
B
But
we
have
dialogue
and
conversation.
Communication
is
key
and
that
just
that
openness
is
is
very
important
to
them.
And
so
what
we'll
do
is
we'll
look
at
carriers
that
are
offering
coverage
in
other
states,
specifically
around
the
southeast
and
hurricane
prone
States
and
if
they're
not
operating
in
South.
Carolina
then
we
try
to
find
out
why
and
we
cold
call
and
we
we
have
those
meetings
and
and
conversations
to
see
if
they'd
be
interested
in
operating
in
our
state
and
that
we
want
competition.
B
That
is
one
of
the
most
important
things
to
a
healthy
Insurance
market
and
flood
insurance,
we're
working
to
grow
the
private
Market,
the
national
flood
insurance
program.
The
federal
program
does
provide
most
of
the
flood
insurance
Countrywide
and
we
have
a
significant
number
of
policies
with
in
the
state.
I
think
it
last
I
saw
was
about
210
000
policies.
That's
a
little
bit
faded
that
number,
but
we're
working
to
grow
the
private
Market
it
has
grown
over
the
last
few
years.
A
All
right,
Michael,
thank
you.
Our
next
question
is
coming
from
Ethan
and
Ethan
is
asking,
if
there's
any,
if
there's
any
danger
of
major
carriers
like
Allstate
or
State
Farm,
who
left
California,
not
writing
policies
in
South,
Carolina.
B
Sure
that
is
definitely
something
that
we
don't
want
to
see.
Our
understanding
is:
that's
not
the
case
that
they
are
here
to
write.
They.
They
do
have
limitations
on
how
much
they're
willing
to
write
along
the
coast
and
wind
exposed
areas.
That's
where
the
wind
pool
comes
in,
so
that
that
name
brand
carrier
would
would
write
the
basic
policy
for
fire
and
theft
and
liability
and
things
like
that.
B
Everything,
but
the
wind
and
hail
coverage,
and
then
the
South
Carolina,
win
in
Hell
underwriting
Association
would
provide
a
coverage
provided
policy
for
coverage
for
the
wind
and
Hill
portion.
So
I
don't
believe.
There's
there's
always
a
risk,
certainly,
but
our
understanding
is
they're
here
and
they
are
are
glad
to
be
here
and
operating
it
within
the
state.
A
B
Every
company
situation
is
different,
and
so
what
we
do
it's
it's
kind
of
a
two-pronged
approach,
so
we
would
look
at
their
Surplus.
It
would
also
look
at
their
rates
if
they're
an
admitted
carrier
specifically
for
personal
lines
of
business,
with
the
rates
and
what
they
do
is
they
submit
a
filing
with
us,
and
it
contains
what
the
math
says
they
they
need
to
do
with
their
rates,
whether
it's
an
increase
or
a
decrease,
and
then
they
have
a
proposal.
B
It
may
or
may
not
be
exactly
equal
to
what
what
their
indicated
rate
would
be,
and
so
I'm
an
actual
word
by
trade.
So
I've
looked
at
a
lot
of
Property
and
Casualty
rate
filings
over
the
years
and
they
provide
data
in
their
last
three
to
five
years,
and
then
projections
typically
and
sometimes
we
we
think
it's
valid
and
we
approve
the
filing
as
they
submit
it.
B
There
are
other
times
whenever
we
we
don't
agree
on
things
and
we
don't
believe
that
what
they've
provided
warrants,
what
they
proposed,
and
so
we
have
conversations.
B
Ultimately
they
they
amend
the
filing
based
on
where
we
come
down
on
it,
but
so
there
there
is
that
oversight
as
well
to
make
sure
that
those
rates
aren't
excessive.
A
B
So
that's
a
little
bit
not
a
little
bit
that
is
outside
of
our
jurisdiction.
It
is
something
that's
come
up
over
over
time,
certainly,
and
something
that
we
hear
about.
We
do
have
an
insurance
fraud
unit
it
would
have
to
so
whatever
they're
doing
would
have
to
fall
under
interest
fraud
specifically
for
us
to
prosecute,
and
certainly
there's
got
to
be
evidence
and
everything
like
that.
But
so
we
do
have
that
unit.
B
That's
that's
working
hard
on
behalf
of
the
citizens
of
the
state,
but
as
far
as
the
roofers
themselves,
we
don't
have
direct
oversight
whenever
it
comes
to
them,
but
we
are
aware
of
the
issue
and
and
we're
participating
in
conversations.
A
B
So
the
biggest
thing
that
we
advise
consumers
to
do
is
to
shop
around
in
this
with
the
condo
associations.
We
know
that
that's
difficult,
particularly
for
them
right
now,
with
the
lack
of
care,
is
willing
to
write
them,
but
so
with
for
the
homeowners,
Market
or
Auto,
or
anything
like
that.
Where
there's
coverage
widely
available,
we
would.
We
would
encourage
the
consumer
to
find
an
agent
that
they
trust,
who
can
shop
around,
for
them
find
a
coverage
that
fits
their
needs.
B
Maybe
one
carrier
offers
and
another
one:
doesn't
everyone
has
different
financial
needs
and
so
there's
there's
not
a
standard.
The
products
are
similar
but
they're
not
exactly
the
same.
So
it's
worth
shopping
around
and
that's
what
we
encourage
consumers
to
do
and
if,
if
you're
having
difficulty
and
you
need
to
find
an
agent,
but
you
don't
know
who
to
talk
to,
we
have
a
list
of
Agents.
B
We
can't
recommend
policies
or
or
recommend
companies,
certainly,
but
we
do
have
a
list
of
Agents
by
county,
and
so,
if
you
contact
us,
we're
happy
to
provide
you
with
those
names
and
contact
information.
A
All
right,
sir,
thank
you
next
question
is
coming
from
John
and
John
is
asking:
are
there
any
meaningful
discounts
for
building
using
more
resilient
materials
in
the
in
the
in
the
region
in
the
coastal
region
and
with
those
materials
being
concrete
block
or
concrete,
concrete
walls
prefab
Etc.
B
B
So
if
you
mitigate
the
risk
of
of
damage
from
wind-
and
so
those
things
may
be
impact
resistant,
Windows,
hurricane
shutters,
roof
tie
downs,
all
kinds
of
things,
but
I
would
advise
checking
with
your
agent
or
broker
and
maybe
even
your
insurance
company
directly
to
see
what
what
they
offer
discounts
for
to
make
sure
you
don't
go,
you
know,
spend
money
and
doing
something
to
fortify
your
structure
and
then
maybe
that's
not
something.
B
That's
recognized
by
the
insurance
carriers
risk
mitigation
and
you
don't
receive
a
discount,
so
I
would
strongly
encourage
a
policyholder
to
check
with
their
agent
or
broker
and
again,
maybe
even
their
insurance
carry
directly
to
see
what
would
give
them
the
most
bang
for
their
Buck
essentially,
and
we
also
have
a
South
Carolina
safe
home
program
in
the
state,
and
it
is
a
grant
program
for
homeowners
and
it
it
offers
matching
in
not
there's
two
times
so
matching
and
non-matching
funding
to
to
help
with
making
some
of
those
improvements.
A
All
right,
Michael,
two
more
questions
and
the
next
one
is
coming
from
Kate
and
as
Kate
is
asking,
if
you
can
get
a
list
of
Agents
you
mentioned
on
online
on
your
website,.
B
A
B
A
A
All
right,
thank
you
very
much.
Well
we're
going
to
transition
now
and,
and
if
you,
if
you
haven't
driven
down
the
road
and
Buckwalter
lately,
you
missed
a
lot.
That's
going
on
out
there
new
restaurants,
Shops
and
and
much
much
more
Washington
Square
the
35
acre
development.
That's
well
underway!
It's
a
mix
of
residential
commercial,
along
with
green
space,
and
here
to
tell
us
more
about
it.
It's
our
good
friend,
David
Johnson,
the
principal
with
space
side,
Partners,
the
group.
A
D
You
Bill
thank
you
and
thank
you
to
the
chamber
for
having
me
and
all
of
you
who
are
tuning
in
and
Kelly
I
appreciate
you
taking
care
of
the
presentation
here.
So
so,
if,
if
you
could
flip
forward,
one
Kelly
that'd
be
great
I.
We
we
start
off
with
an
idea
of
that.
D
If
we
could
create
a
village
that
basically
had
some
green
space
and
Gathering
spaces,
we
could
have
some
interesting
retail
and
entertainment
and
that
we
could
create
a
an
interesting
project
that
people
would
want
to
come
to.
We
can
go
forward,
please
Kelly,
and
that's
where
the
whole,
that
was
the
whole
Point
behind
creating
Washington
Square
and,
as
you
can
see,
this
is
the
master
development
plan.
I
think
some
of
you
have
seen
it
in
the
past.
D
It's
moved
along
from
where
we,
where
you
some
of
you,
originally
saw
it
quite
a
bit.
The
whole
idea
was
to
Center
this
development
around
agree,
a
big
green
space.
You
can
go
forward
one
and
we'll
come
back.
Kelly
I'll
just
show
I
have
some
photos.
This
is
the
this.
Is
the
landscape
Square
in
the
middle?
D
We
can
go
back
now,
please
to
the
master
plan,
and
so
so
I
just
want
to
walk
through
where
we
are
what's
what's
going
on
now
and
I
have
some
photos
after
this
that'll
it'll
kind
of
Bring
It,
those
of
you
who
haven't
been
out
there.
There
will
be
a
connection
if
you
start
from
the
left,
there's
a
connection
to
the
Buckwalter
place,
which
is
where
the
Kroger
is
and
and
other
things
that
St
Joe's
Medical
Center
they'll
be
connection
there.
D
That
road
will
connect
where
they
see
that
Arrow
on
the
the
the
the
the
the
orange
piece
there
on
the
as
we
come
back
from
that
road,
that
it
will
be
a
Starbucks,
is
being
planned
and
should
start
in
the
next
month
or
so
across
the
street.
D
We
have
a
right
next
to
that,
as
many
of
you
have
been
to
Low
Country
Fresh,
which
are
is
a
wonderful
market
and
wonderful
entrepreneurs
that
have
started
that
I
think
the
chamber
was,
you
know,
has
been
very
involved
with
that
which
has
been
great
across
the
street.
Is
our
our
58
Town
Homes
that
are
well
underway?
Logan
development
is
doing
that.
D
It
is
they
they're
going
to
be
58,
there
are
I,
think
they've
sold
around
20
already
and
they
haven't
finished
they're
about
halfway
done
with
construction
there
and
coming
to
the
to
the
right
toward
the
square.
D
The
first
building,
that's
underway.
Many
of
you
who
may
have
seen
is,
is
the
framing
kind
of
amazing
how
quickly
the
framing
happens
after
it
sits
there.
You
know,
with
the
with
a
lot
of
the
the
site,
work
and
there's
a
that'll,
be
a
three-story
building,
which
I'll
talk
about
a
little
bit
more,
that
that
L-shaped
building
on
the
Square
is
what's
the
first
building,
that's
going
up
that
building
will
be
the
next
building
will
be
flip.
D
That
building
will
be
flipped
onto
the
other
side
of
the
square
that
same
l-shape
on
to
the
other
side
of
the
square.
This
is
a
combination
of
retail
and
rental
apartments
before
I
go
too
far.
D
The
the
we're
planning
the
interest
rate,
which
is
Ludlow
there
on
the
to
the
which
was
next
to
between
your
low
country
fresh
and
the
building
now
going
up,
is
a
planned
retail
mixed
use,
retail
and
office
with
the
possibility
of
some
some
shared
office
in
that
in
that
building,
and
then
there
are
various
other
mixed
use
projects
that
will
be
the
other
buildings
that
you
see
there
and
the
potential
that
square
building
in
the
back
people
always
ask
about.
D
The
potential
there
is:
is
a
boutique
hotel
with
roughly
80
80
to
100
rooms.
So
that's
the
that's
the
master
plan,
the
current.
What
we're
currently
working
on
is
what
we
call
Washington
Square
East,
which
is
everything
to
the
between
Buckwalter
Parkway
and
the
square,
so
the
that
building
I
mentioned,
which
is
going
up
now
that
you
see
I'm
happy
to
to
also
tell
you
that
we've
reached
an
arrangement.
D
We've
got
a
contract
with
Tesla
for
them
to
put
16
charging
stations
in
that
first
phase
of
the
project
and,
as
you
probably
all
probably
know,
I
mean
Tesla
is
becoming
the
the
standard
for
all
the
electric
vehicles.
Now
so
I'm,
it's
not
just
for
Teslas
it'll,
be
it'll,
be
a
charging
stations
for
all
electric
vehicles,
so
I'm
happy
to
have
that
there.
D
If
we
can
go
forward,
please
Kelly
we've
seen
that
you've
seen
the
square,
we'll
go
we'll
go
one
one
more
forward
and
many
of
you
have
already
seen
Low
Country
Fresh.
It's
such
a
great
concept,
great
people
and
it's
really
a
great
store.
I
encourage
you.
If
you
hadn't
been
to
to
go
there,
they
were,
they
were
Pioneers
into
Washington
Square,
which
I'm
I'm
very
appreciative.
The
next.
The
next
slide
just
shows
you,
the
the
schematic,
the
layout
for
the
the
town
homes
and
the
only
point
I
put
the
point.
D
I'm
making
on
this
slide
is
just
to
say.
The
whole
idea
was
to
create
a
streetscape
so
they're
all
the
parking
for
the
town
homes.
The
garages
are
in
the
back,
so
you
won't
see
any.
There
is
on
street
parking
in
general
in
Washington
Square,
but
for
the
town
homes.
The
parking
is
in
the
back
again
to
create
that
streetscape
throughout
the
whole
project.
D
We
can
go
forward,
please.
The
this.
Just
is
the
next
couple
of
just
some
pictures
of
what's
been,
you
know,
what's
underway
now
and
then
the
next
slide
I'll
just
show
you
a
little
bit
more
detail
on
the
on
on
the
on
the
the
current
state
of
the
Logan
homes
project.
D
If
we
go
forward,
please
the
and
that's
this
is
just
showing
you
the
the
connection.
That's
going
to
be
made
to
Buckwalter
place.
We
go
forward
one
more.
This
is
the
current
if
you
hadn't
been
out
there.
This
is
where
this
is
a
couple
days
ago.
It's
just
showing
you
the
first
building
on
the
Square,
with
the
retail
below
and
apartments
above
I.
Think
I
have
one
more
picture
of
that,
probably
enough
construction,
but
that
just
shows
you
from
the
square
and
then
these
are
the
final
elevations.
D
So,
what's
when
you,
when
you
look
at,
if
you
look
at
the
next
slide,
you
see
what's
the
sort
of
the
floor
plan
of
the
retail,
and
currently
we
are
very
fortunate
to
have
some
great
Partners
already.
D
Entrepreneurs
in
the
first
building
Palmetto
running
is
taking
the
the
premier
spot
up
there,
as
is
Bernie
James,
both
of
whom
I'm
sure
many
of
you
know,
they're
they're
in
they
have
stores
in
Shelter
Cove
retail
one.
At
the
end,
the
end
cap
is
I,
have
a
letter
of
intent
with
a
casual
eating
great
again,
another
great
entrepreneur,
casual
eating
restaurant.
So
in
the
middle,
what
we?
What
do
we
have
left?
D
We
have
roughly
3
000
square
feet
of
retail
and
that's
between
the
retail
one
and
between
that
and
Bernie
James
and
then,
and
that
could
be
split
up
in
a
number
of
ways.
But
that's
that's.
What's
left
there
and
then
the
bottom
retail?
What
we
call
retail
six
is
that's
a
any
of
you
who
are.
D
D
It's
set
up
for
a
restaurant,
so
that's
my
my
focus
right
now
is
to
is
to
find
a
a
great
restaurant
and
then
begin
that
that
next
building,
which
will
look,
the
footprint
will
look
exactly
like
this,
but
just
flipped
over
on
the
other
side
of
the
square
and
that's
we're
excited.
We
we're
very
fortunate
to
have
great
partners
and
and
the
Ralphs
that
low
country
fresh
and
and
and
Logan
Holmes.
You
know
Palmetto
running
as
I
said:
Bernie
James,
Coastal,
States,
Bank
Frazier.
D
This
we've
just
had
we've
had
a
great
group
of
people
working
for
us
and
working
with
us
and
we're
looking
forward
to
continuing
the
project
and
continuing
to
to
bring
in
you
know
great
retail
and
restaurants,
and
a
lot
of
fun
I
mean
one
of
the
things
that
I
didn't
mention
is
on
the
Square.
D
We've
got
it
set
up
that
with
pavers
in
every
corner
that
we
can,
we
can
bring
in
food
trucks,
we
can
have
entertainment
and
that's
our
plan
is
to
is,
to
you
know,
have
a
number
of
of
you
know:
events
on
the
Square
as
a
kind
of
a
destination.
A
David,
thank
you
and
congratulations
on
your
16
charging
stations.
That's
that's
phenomenal.
Also.
We
appreciate
you
sharing
with
us,
some
of
who
your
new
tenants
are
going
to
be
exciting
presentation.
We
do
have
some
questions.
Our
first
questions
coming
from
Jackson
and
Jackson's,
asking
how
Washington
Square
got
its
name.
D
Well,
I
I
came
I,
moved
down
here
from
New
York
City
about
seven
or
eight
years
ago,
and
the
place
I,
always
when
I
had
when
I
shop
for
Christmas
or
whatever
I
I
went
down
to
Greenwich
Village,
and
that's
where
you
know
my
favorite
kind
of
walking
Village
was
around
Washington
Square
and
that
always
had
the
most
interesting
little
shops
that
you'd
never
see
anywhere
else
I
mean
a
kaleidoso,
a
kaleidoscope
store.
That's
all
he
sold,
and
you
know
and
different
things
like
that.
So
to
me,
that
was
a
that
was.
D
D
Well,
I
mean
we've.
You
know,
we've
designed
it
so
again
that
that
whole
connection
with
Buckwalter
place
is
going
to
be
important.
We've
tried
to
to
have
two
two
areas
of
of
entrance
into
the
into
the
project.
I
think
that
the
plan
is
eventually
for
there
to
be
a
light
at
the
mock
Street.
D
The
exit
my
street
entrance,
which
is
at
the
one
at
the
North
of
the
project
between
that
and
Woodbridge,
is,
is
the
plan
that
the
county
has
so
I
think
that
it's
important
to
have
that
flow
and
I.
Think
that
the
you
know
the
we've
tried
to
ensure
that,
through
you
know,
through
our
planning.
A
A
D
I,
you
know
we're
we
hope
to
program
it
well.
First
of
all,
let
me
just
say
that,
like,
for
instance,
Palmetto
running
has
has
some
ideas
to
you
know
start
some
races
there
to
and
we're
actually
trying
to
put
a
a
pathway
around
like
there
is
around
Buckwalter
plays
up
halfway
a
running
pathway
around
the
whole
project
and
we've
we've
submitted
something
to
the
core
Engineers
to
to
begin
that
process,
but
we,
you
know,
we
hope
to
have
entertainment
in
there.
D
You
know
we
can
easily
have
food
trucks
food
truck
day
we
can
have.
We
could
have
a
farmer's
market.
I
mean
it's
going
to
take
some
some
creative
thinking,
but
I
think
we've
got
with
that
space.
We
can
do
a
lot
of
things
with
it
and
with
power
there
and
internet,
that's
gonna
that
are
already
available
there.
It's
going
to
be.
You
know
easy
to
do.
I
think.
D
I
think
we've
got
another
three.
You
know
two
to
three
years
to
finish
the
whole
project,
but
that's
a
great
question.
I
wish
I
knew
the
answer
to
it,
but
we're
we're
steadily
moving
along
and
it's
picking
up
some
steam,
so
I
think
it's
probably
three
years
away.
Ethan.
D
Well,
it's
it's
been,
a
many
of
people
have
looked
at
it
and
said:
what's
happening
for
many
years
and
it's
it's
been,
you
know
it's
been
slow,
but
that's
the
way
it
works.
It's
it's.
It
seems
to
be
gathering,
you
know
once
you
get
some
vertical
going
there
things
things
start
to
gather
Steam
and
that's
that's
the
good
news.
A
D
Know
I'm
asked
that
question
a
Lot
bill
and
Mark,
and
my
answer
has
always
I
mean
I've
looked
at
a
number
of
things,
but
I
feel
like
it's
important
to
get
this
right
and
and
show
what
can
be
done,
what
we're
trying
to
do
and
I
think
from
there.
You
know
that
that
there'll
be
plenty
of
opportunity.
I
mean
I,
see
plenty
of
opportunities,
but
I
at
this
point.
The
answer
is
no
I'm
focused
on
this
project
right
now.
To
make
sure
we
do
it
correctly.
A
We've
had
just
a
couple
of
others
send
in
and
saying
it
looks
like
an
exciting
project
and
they're
very
happy
to
see
it
happening
so
I'll
share.
A
A
Thank
you,
David
Johnson,
principal
of
space,
side
partners
and
certainly
an
exciting
project.
David
will
look
forward
to
hearing
from
you
another
update
on
down
the
road.
A
All
right,
well,
it's
time
now
for
a
big
happy
birthday
to
all
of
us.
How
about
that
the
town
of
Hilton,
Head
Island
is
celebrating
360
years,
since
the
island
was
first
sighted
by
Captain,
William
Hilton,
and
it's
also
the
40th
year
of
the
towns
Incorporation
we're
gonna.
It's
all
gonna
be
kicking
off
at
the
end
of
this
month,
with
some
great
celebrations
planned
and
here
to
tell
us
what's
in
store,
is
the
town's
director
of
cultural
Affairs,
Natalie,
Harvey
Natalie
welcome
and
it's
good
to
see
you
this
morning
as
well.
C
Good
morning,
good
morning,
please
excuse
my
background
I'm
sitting
in
our
beautiful
Westin
Resort.
Here
we
have
our
strategic
planning
with
the
town,
Council
and
and
staff
here
this
morning,
so
I'm
taking
a
little
break
to
share
some
exciting
news
with
you
guys.
This
morning
the
360
40
celebration
is
going
to
be
almost
three
weeks
of
action
here
on
Hilton
Head
Island.
C
We
have
set
up
a
website,
Hilton
Head,
Island
36040.org,
which
you
can
find
from
the
town
website,
which
will
share
a
little
bit
about
the
vision
of
the
town,
it's
past
40
years
and
honoring.
The
fact
that
this
community
has
such
a
rich
history
that
many
many
things
happened
here
before
our
40
years,
so
we're
looking
back
into
the
history
of
the
Hilton
island.
We're
really
excited
to
have
a
couple
of
bookend
community
activities
to
celebrate
the
first
being
our
community
picnic
on
August
26th.
C
That
will
be
at
Lowcountry
Celebration
Park
from
four
to
eight
and
we're
going
to
have
beautiful
Chamber
of
Commerce
weather
and
get
out
to
enjoy
celebrating
the
town's
anniversary
with
some
live
music,
as
well
as
lots
of
fun
activities
for
the
kids
and
over
25
Community
organizations
out
to
share
their
services
with
our
community,
and
this
is
also
going
to
honor
some
of
our
longtime
Islanders.
C
We're
looking
forward
to
having
a
recognition
of
those
who
have
lived
here
for
20
30,
40
60
80
years
as
well
as
a
proclamation
from
the
governor
and
Senator
Davis
has
agreed
to
attend
as
well.
We
have
the
voices
of
El
Shaddai,
Eric,
Casanova,
Louise
Spencer
and
Lavon
Stevens
Matt
Robbins,
Sarah
Burns,
and
these
guys
and
Quentin
Smalls
on
the
books
for
the
entertainment.
C
So
it
should
be
great
and
if
then,
you
go
to
our
website,
you'll
see
about
a
dozen
other
events
that
have
already
been
on
this
calendar,
including
an
Interfaith
service,
a
behind
the
scenes,
tour
at
Coastal,
Discovery
Museum
and,
of
course
the
Chamber
of
Commerce
is
going
to
be
sponsoring
chalk.
C
The
walk
this
year
as
part
of
it,
the
breeze
trolley,
the
painted
rock
ride,
will
kick
us
off
that
first
weekend
and
there
will
be
a
special
program
about
Walter
Greer
and
his
early
efforts
here
to
bring
Arts
to
our
community
that
were
in
the
form
of
the
Red
Piano
Gallery
in
the
round
table
and
then
at
the
very
end,
the
last
weekend,
the
14th,
through
the
17th
of
September,
we're
really
excited
to
be
the
presenting
sponsor
of
the
inaugural
Hilton
Head
Island
Jam,
singer
songwriter
Festival.
C
This
is
bringing
us
days
of
music
and
over
three
dozen
performers
are
going
to
be
involved.
There
are
a
dozen
different
locations,
all
around
Hilton
Head,
but
the
finale
for
that
will
be
a
Saturday
September
16th
concert
at
the
Lowcountry
Celebration
Park.
The
headliner
is
going
to
be
LoCash
and
it
should
be
a
really
fun
day
to
come
out
and
enjoy
some
original
live
music.
C
Our
presenters
of
this
are
Partners
in
it,
our
BMI
music
and,
let's
just
say
that
the
interest
from
the
Nashville
Scene
has
been
strong
for
those
artists
to
come
here
to
Hilton
Head
Island,
so
they
have
their
own
website.
You
can
go
see
the
entire
list
of
performers.
Who
will
be
here.
We
have
Grammy
award-winning
songwriters.
We
have,
you,
know
number
of
top
one
hits
they
can
visit
Hilton
Head
islandjam.com.
If
you
have
any
questions
about
those
events
I'll.
C
Also,
if
you
wouldn't
mind
sharing
later,
you
can
always
email
our
committee
here
with
the
Hilton
Head
360
celebration.
It's
360-40
celebration
at
Hilton,
Head
islandsc.gov.
So
that's
a
little
bit
of
a
taste
of
what's
happening
over
these
few
weeks
between
August
26th
and
September.
16Th
and
I
I'm
really
excited
to
share
that
with
the
chamber
and
appreciate
the
opportunity
to
share
that
with
all
of
your
business
partners.
A
Natalie,
thank
you
and
thank
you
for
breaking
out
of
your
meeting
to
be
with
us
this
morning.
A
couple
questions
that
we
have
coming
in
the
the
first
one's
coming
from
Olivia
and
Olivia
is
asking
about
the
singer:
songwriter
festival
and
inquiring.
How
that
came
about.
C
C
The
really
great
thing
is
when
I
first
heard,
Music
Festival
I
thought
a
three
day
long
out
in
a
field
event
with
several
stages,
and
this
is
actually
a
very
different
format.
There
are
a
dozen
different
locations
Excuse
me
while
I
look
at
my
my
cheat
sheet,
but
they
range
in
size
from
we
have
Big
Bamboo,
The,
Jazz,
Corner
outdoor
performances
at
the
tiki
hut.
C
Our
friends
here
at
the
Westin
Resort
got
very
excited
and
they're
going
to
be
hosting
songwriters
at
their
pool
as
well
as
during
the
evening.
Lincoln
and
South
will
be
hosting
programs
during
the
day.
Several
events
at
the
Liberty
Oak
in
Sea
Pines,
which
is
exciting
the
Western
again
fish,
Coligny,
theater,
The
Boardroom
and,
of
course
the
bank
will
be
joining
us
and
then
the
Celebration
park.
So
there's
a
great
variety
of
size
of
venues.
C
So
there's
going
to
be
the
opportunity
for
intimate
performances
with
some
of
these
songwriters,
where
there'll
be
several
on
stage
at
a
time
sharing
stories
sharing
backgrounds
of
their
music
and
then
there
will
be
some
events
that
will
be
more
of
a
ticketed
concert-like
environment
like
at
the
Cleveland
theater.
A
All
right,
thank
you.
Next
is
coming
from
Susan
and
Susan's.
Saying
Crescendo
is
not
too
far
down
the
road.
What's
playing
for
that
celebration.
C
Oh
Crescendo,
that's
right!
I'm!
Working
on
that
too.
This
is,
you
know,
Hilton
Head
Island
always
has
something
exciting
going
on
in
the
Arts
and
Cultural
community
and
so
having
the
opportunity
to
have
the
360
40.
Several
weeks
before
we
kick
off.
Crescendo
that
will
be
going
on.
C
The
opening
will
be
the
10th
of
October
at
Shelter
Cove
Community
Park,
which
is
always
a
great
opportunity
to
enjoy
getting
to
know
some
of
our
Arts
organizations
getting
a
taste
of
what's
to
come
during
Crescendo
this
year
we've
invited
a
guest
band
to
be
our
closing
act.
They're
called
the
Maharaja
Flamenco
Trio
they've,
been
described,
described
as
sort
of
new
Nuevo
Flamenco
similar
a
little
bit.
I
think
to
some
folks
will
know
the
Gypsy
Kings
something
sort
of
new
and
different
for
our
community
that'll
be
a
free
event
for
everyone.
C
We'll
have
over
100
different
events
going
on.
In
fact,
we
should
be
announcing
some
of
our
Signature
Events
in
the
next
week
or
so,
and
then
the
culmination
will
be
the
lantern
parade,
which
is
Saturday
November,
the
18th,
and
this
year
we
are
looking
to
extend
the
route
a
little
bit
and
end
at
Celebration
park,
with
an
opportunity
to
have
a
little
bit
more
space
for
that
grand
finale
party
with
the
bands
and
the
big
puppets.
A
C
You
so
much
for
sharing
today
and
I
appreciate
the
opportunity.