►
From YouTube: Athens City Council - March 8, 2021
Description
Athens City Council - March 8, 2021
A
C
D
Good
evening,
thank
you,
councilmember
crowl,
members
of
finance
of
personnel,
we're
going
to
speak
briefly
this
evening
about
our
self-insurance,
so
property
insurance
liability
insurance.
A
little
bit
of
background.
For
many
many
years
we've
been
with
an
organization
called
the
ohio
municipal,
joint
self-insurance
pool,
at
least
since
the
mid-90s,
and
it
served
us
well
for
a
number
of
years.
D
So
we're
looking
for
a
win-win-win
and
we
solicited
some
quotes
to
do
that
and
we
found
I
shouldn't
say
we
found,
but
john
miller
had
suggested
that
we
reach
out
to
pap,
which
is
the
a
version
of
a
self-insurance
pool.
It
is
endorsed
by
the
ohio
municipal
league
and
has
been
since
2017.,
I'm
going
to
turn
it
over
to
andy
leach
and
his
team
to
introduce
themselves
explain
the
coverage.
D
Some
of
the
differences
between
what
we've
currently
have
and
some
of
the
enhancements
that
we
could
experience
not
just
financially
but
also
from
a
coverage
standpoint
that
I
think,
is
really
important
for
the
city
that,
if
we're
looking
at
the
long-term
health
of
the
city,
there
are
some
opportunities
for
us
that
andy
and
his
team
will
explain
in
further
detail.
So
without
prolonging
this
introduction,
I'll
turn
it
over
to
andy
and
if
you
have
a
share
screen
or
something
like
that,
I
think
that
can
be
helpful
too.
D
E
F
A
G
F
D
B
D
They
they
administer
it.
Okay,
they
are
a
part
of
that
burnham
flower
insurance
group
oversees
the
the
program,
and
it's
not
just
for
city
and
municipalities.
It's
also
there's
an
arm
extension
that
operates
with
villages
and
townships
and
they
have
their
own
insurance
pool
as
well,
and
I'm
sure
that
they'll
probably
share
that,
but
I'm
stalling
for
time
so
well,.
I
B
F
A
F
J
A
F
F
F
F
A
F
To
go
okay,
so
yeah.
This
is
just
a
very
basic
three-page
document
here
for
your
four-page
document
that
highlights
some
of
the
some
of
the
key
benefits
as
you'll
as
you
can
see.
You
know.
Public
entities
pool
started
back
in
the
night
in
1987,
really
at
a
time
when,
when
public
entities
really
had
a
difficult
time
finding
affordable
insurance,
so
the
law
was
passed
to
allow
these
types
of
pooling
arrangements
to
begin,
it's
been
a
very
successful
program
for
many
many
years
and
has
now
grown
to
over
560
members.
F
Those
are
kind
of
the
the
the
key
pieces
in
your
insurance
program,
and
so
we
we
went
through
a
few
items
here,
so
you
you
have
actually
sent
the
required
notice
of
possible
withdrawal
to
the
ohio
municipal,
joint
self
insurance
pool,
so
you've
satisfied
that
contractual
obligation
already
this
would
go
into
effect
april.
1St
2021..
F
Should
you
choose
to
go
with
pep?
Our
proposal
is
for
250
021
dollars,
so
that's
about
a
seven
percent
reduction
in
cost.
You'll
see
seventeen
just
almost
eighteen
thousand
dollars,
and
you
know
my
my
honest
opinion
is:
is
yes,
there's
some
cost
savings,
but
that
wouldn't
necessarily
be
the
key
reason
to
move.
F
I
think
when
you
look
at
coverage
when
you
look
at
some
of
the
value-added
services
that
pep
offers,
there's
really
no
comparison
and,
of
course
the
the
financial
stability
is
probably
the
most
important
you'll
see
what
your
current
price
is.
There,
your
expiring
price
was
that
268
000
roughly,
and
then
we
go
into
a
little
bit
of
detail
about
some
of
the
some
of
the
key
items
when
it
comes
to
cost
savings
and
and
stability.
So
really
I
mean
pep
prides
itself
on
stable
rates.
So
it's
it's.
F
Not
it's
not
going
to
be
common
to
come
in
at
that
one
rate
and
and
increase
the
rates
the
following
year
or
down
the
road
I
mean
that's
the
the
pooling
structure
that
pep
follows
really
does
keep
it
independent
from
the
fluctuations
in
the
market.
So
you
know,
especially
now
is
a
great
time
to
to
be
a
member
of
pep.
F
Pep
is
not
an
accessible
program,
so
there's
not
a
situation
where
you
would
pay
your
premium
this
year
and
then
be
assessed
because
of
an
audit
or
something
like
that
down
the
road
or
following
year
because
of
claims
experience
or
anything
like
that,
you
just
pay
the
one.
The
one
annual
contribution
to
the
pool.
K
F
F
Pep
does
pride
itself
on
its
rating.
It
wants
to
prove
to
members
and
prospective
members
that
it's
financially
sound,
so
it
it
seeks
out
a
third
party
rating,
so
a
company
called
demo
tech
does
provide
a
financial
rating
you've
heard
of
am
best
ratings
for
insurance
companies,
demo
tech
rates,
pooling
arrangements
and
they've,
given
them
their
highest
given
pep
their
highest
rating,
which
is
that
triple
a
moving
down
to
the
next
page.
F
F
Any
defense
costs
are
paid
in
addition
to
the
settlement
limit.
So
you
could,
let's
say
you
have
a
you-
could
have
up
to
a
5
million
dollar
settlement.
You
may
have
a
million
2
million
500
000,
whatever
that
may
be
in
defense
costs
that
would
would
also
be
paid
by
the
pool,
rather
than
depleting
that
limit.
F
We
do
include
the
cyber
cyber
coverage,
which
is
a
very
hot
topic
right
now,
of
course,
so
we
have
five
million
dollars
in
in
cyber
coverage
versus
the
one
million
that
you
have
now
and
then
we
include
some
some
coverage
for
first
party
expense.
If
you
did
have
a
cyber
breach,
there
may
be
some
some
cost
directly
to
the
city
to
get
your
systems
back
up
and
running,
potentially
set
up
credit
monitoring
those
types
of
things
for
for
those
that
have
been
affected.
F
So
that's
that's
where
that
250
000
comes
into
comes
into
play.
There
is,
what's
called
blanket
coverage
for
your
buildings
and
contents.
So,
as
an
example
you
have
a
a
building
city
hall
is
is
about
7.1
million
dollars
that
could
end
up
costing
8
million
dollars
to
replace.
If,
when
it's
all
said
and
done
so,
you
would
have
because
of
the
blanket
you
can
use
your
total
insured
values
to
pay
for
any
one
building
which
your
total
insured
values
are
one
or
141
million
dollars.
F
So
you
have
you'd
have
plenty
of
coverage
there,
the
inland
marine
valuation.
We
we
cover
your
your
mowers,
your
tractors,
your
portable
equipment,
at
replacement,
cost
versus
the
actual
cash
value.
We
do
offer
replacement
cost
coverage
for
emergency
vehicles
as
well,
so
for
your
brand
new
pierce
pumper
2021,
pierce
pumper,
it's
over
700
000..
F
F
I
guess
I'll
just
make
a
broad
statement
right
now.
The
the
pool
has
really
done
a
nice
job
over
the
past
few
years
of
of
adding
to
its
its
coverage
menu
just
to
stay
ahead
of
many
of
the
trending
exposures
that
are
in
the
marketplace
right
now,
so
completely
revised
its
its
casualty
and
property
documents
to
make
sure
that
that
you
know
they
don't
wanna,
they
don't
wanna
deny
claims,
so
they
they
things
that
cities
and
villages
and
and
entities
are
facing.
F
F
Stability
touched
on
touched
on
the
triple-a
rating.
What
we
pride
ourselves
on
too
is
the
99
percent
retention
and
membership.
We
think
you
know
it's
it.
It's
pretty
important
that
members
really
find
no
reason
to
leave
the
pool,
so
we're
pretty
happy
that
that
we
do
experience
that
99
retention,
the
we.
We
know
that
the
the
market's
pretty
volatile
right
now
and
the
pooling
mechanism
does
keep
it
keep
members
independent
from
those
those
ups
and
downs
in
the
market.
F
F
You
know
really
understands
that
this
is
not
a
program,
that's
for
profit
and
any
time
there's
any
money
that
they
can
pour
back
into
services.
They
will
so
you'll
see
a
nice
menu
of
services
there
and,
of
course,
that
other
document
that
you
have
goes
into
more
detail
as
well,
but
you
know
burma
flower.
We
we
work
with
over
1500
public
entities
in
ohio
and
continue
to
grow.
F
F
F
That
has
has
a
number
of
great
resources
legal
support.
So
we
talked
earlier
the
last
meeting
that
you
know,
even
even
if
your
law
director
wanted
to
reach
out
to
you,
know
insurance
legal
legal
support.
There's
there's
some
time
there
allotted
to
and
it's
free
it's
it's
free
access
to
pep's
legal
team.
F
That's
that's
a
program
that
started
three
years
ago
and
every
pet
member
will
receive
a
full
industrial
appraisal
now
which
which
will
give
you
a
really
good
idea
of
what
your,
what
your
replacement
cost
values
on
our
on
on
your
buildings
are
and
then
there's
a
pet
plus
grant
as
well.
That's
that's
available
for
it's
a
reimbursement
up
to
a
thousand
dollars
for
education,
safety,
expenses.
F
F
F
F
F
F
There
was
employee
employment,
stop
gap
coverage,
which
is
essentially
your
your
employer's
liability.
You
only
had
one
million
dollars
there,
employers
liability
is
is.
Is
there
in
the
event
that
you
know
somebody?
Maybe
it's
an
employee
feels
they
were.
They
were
injured
due
to
the
negligence
of
you
as
the
employer.
F
We
have
five
million
dollars
there
versus
the
one
million.
Did
you
have
the
other
key
one
was
the
municipal
attorney
and
law
director?
You
had
one
million.
We
have
five
million
for
for
the
law,
director
and
law
director's
team,
and
then
I
I
did
see
that
emergency
medical
services
liability
was
was
also
not
included
in
your
in
your
coverage,
which
is
essentially
your
medical
malpractice
for
your
first
responders,
so
for
your
police
and
fire.
F
L
F
F
F
And
then,
on
the
last
page,
you'll
see
your
total
insured
values
for
all
of
your
property,
and
then
we
do
include
some
crime
coverage
as
well
up
to
five
hundred
thousand.
Now
we
were,
we
were
talking
today
about
bonds,
so
we
did.
We
were
able
to
get
an
indication
of
what
what
it
would
cost
to
add,
faithful
performance
coverage,
because
now
there's
a
situation
where
the
law
was
passed
to
allow
those
that
were
required
to
be
bonded.
F
So
we
would
have
that
that
availability,
if
you
decided
to
go
in
that
direction,
where
you
do
away
with
your
bonds
and
just
get
all
that
exposure
covered
through
the
insurance
program,
the
cost
right
now
for
for
26
people
to
be
bonded
at
200,
000
total,
which
was
your
highest
bond,
amount
that
you
needed
you're
required
to
have
your
highest
bond
amount,
was
200.
000
would
be
an
additional
2
900.
J
J
I
actually
think
we
have
28
people,
it
might
be
26
bonded
and
in
the
past
all
of
us
elected
officials
start
our
bonds
on
january
1st,
but
there
are
a
dozen
people
in
municipal
court
who
start
on
the
day,
they're
hired
and
we
have
had
issues
trying
to
keep
the
bonds
renewed
in
a
timely
manner
and
things
like
that.
This
amount,
although
I
haven't
gone
in
and
added
up
and
and
the
200
000-
is
only
a
handful
of
people.
J
I
do
have
one
question
for
you:
if
council
doesn't
mind
that
I
go
ahead
really
the
mayor
and
council
should
go
first,
or
is
that
I
guess
my
question:
is
we've
already
bonded
a
lot
of
people
for
this
year,
like
all
of
us
sitting
in
on
this
meeting
are
bonded
already
so
say
for
the
mayor
and
I
we're
bonded.
This
is
our
second
year
of
this
term.
We've
paid
for
a
bond
through
the
next
two
years.
After
this
I
don't
know
in
the
past.
J
F
So
if
whatever
makes
the
most
logistical
sense
for
you
and
financial
sense,
we
could
accommodate
that
it
would
depend
on
you
know
from
a
financial
perspective.
It
would
depend
on
whether
or
not
the
the
bonding
company
would
reimburse
the
the
unused
term,
which
most
most
times,
that's
not
the
case.
You
know
so
so
we
we
would
talk
through
all
that
to
see
what
made
the
most
sense.
J
F
J
E
C
G
G
F
Okay.
The
second
question:
I
don't
believe,
there's
any
specific
exposure
that
you
would
need
a
separate
policy
for
unless
andy
you're,
aware
of
anything,
I'm
not
I'm
not
aware
of
a
specific
policy.
Some
some
entities
may
have
some
exposures
that
the
pool
may
not
want
like.
Let's
say
it's
a
you
know,
amusement
rides
or
you
know
something.
F
G
Okay,
perfect
and
thank
you,
and
so
you
know-
and
I
just
just
to
give
you
just
just
a
little
bit
of
something
that
you
probably
don't
even
need
to
know
about,
but
like
for,
for
example,
this
city
council
reviews
a
parking
contract
every
two
or
three
years
when
it
comes
comes
forward.
So
I
would
assume
that
we
would.
G
D
Typically,
since
he's
our
local
agent
he'll,
send
us
a
reminder
and
renewal
documents,
we
update
our
schedules
so
all
of
the
vehicles
and
new
buildings,
all
those
different
things
that
we
have
to
have
to
run
the
city
we
review
all
of
that
annually
and
the
coverage
date
typically
starts
in
april.
So
it
takes
a
a
couple
of
months
to
compile
all
of
this
information
review.
It
update
it
so,
in
the
same
way
that
we're
doing
our
current
policy,
we
have
an
opportunity
so
long
as
we
give
appropriate
notice
to
seek
out
other
options
every
year.
D
D
It's
a
continuation
if,
like
in
this
case,
where
we
are
exploring
other
options
from
what
we're
currently
doing,
we
had
to
send
a
90-day
notice
that
we
were
seeking
out
other
options
to
our
our
joint
pool
and
then
that
released
us
to
to
find
quotes
and
information,
so
it'd
be
no
different
than
what
we're
currently
doing,
it'd
be
very,
very
similar.
So
we
have
the
the
ability
annually
to
make
a
decision
so
long
as
we
have
enough
notice
to
renew
or
not
renew,
and
that's
a
typical
thing.
D
You
know
we
want
to
make
sure
that
our
coverage,
sometimes
we
discover
that
there
are
additional
liabilities
that
we
need
to
take.
A
second
look
at,
and
a
great
example
is
cyber
liability.
Five
years
ago,
ten
years
ago,
that
wasn't
as
much
of
a
I'm
gonna,
I'm
gonna
use
their
words
exposure,
but
more
recently
with
hacking
and
ransomware
and
all
those
kinds
of
things
that's
become
a
more
significant
issue
and
in
our
old
pool
our
current
pool.
We
have
a
separate
rider
insurance
that
kind
of
runs
in
tandem.
D
D
The
other
you
know
positive
with
that
is
the
amount
of
coverage
that
we
have
currently
versus.
What
is
being
proposed
is
much
greater.
So
in
the
event
that
something
catastrophic
were
to
happen-
and
you
know-
hopefully
that
never
happens.
But
let's
say
we
were
locked
out
of
all
of
our
financial
systems
and
that's
very
serious.
You
know
some
sort
of
terrorist
attack.
K
K
H
H
H
I
can
give
updates
to
council
if
you
so
choose
as
we
roll
forward,
if
we,
if
we
opt
to
go
in
this
down
this
road
and
give
council
updates
on
on
savings
and
the
advantage
of
going
to
a
new
administrator
as
we
move
forward,
so
we've
not
identified
any
any
cons.
I
mean
at
this
point:
it's
it
seems
like
there's.
The
benefits
completely
outweigh
where
we're
at
right.
Now,
at
this
point,
so.
D
If
I
don't
want
to
speak
for
the
for
the
law
director,
but
she
has
a
great
relationship
with
the
the
legal
team
from
our
current
insurance
and
we
had
asked
you
know:
are
there
opportunities
to
carry
on
some
of
those
relationships,
not
the
the
claims
agents
necessarily
but
for
legal
advice,
and
that
kind
of
thing,
that's
something
that
it
sounded
like.
It
is
an
open
discussion
and
dialogue.
If
we
have
a
preferred
lead
legal
agency
that
we
want
to
consult
with
that.
That
can
be
worked
in
to
this
point.
D
It
seems
that
the
growing
relationship
with
with
pep
and
the
individuals
I'm
excited
about,
I'm
excited
that
you
know
again.
I
keep
shouting
out
john
miller,
but
having
a
local
agent
here,
someone
that
we
have
a
long-standing
relationship
with
that.
We
trust
that
knows.
The
ins
and
outs
of
the
nuances
of
our
coverage
is
a
really
helpful
thing.
So
we
kind
of
carry
john
with
us
and
matthew's
insurance
with
us
as
we're
going
through
the
process.
So
there's
some
continuity.
C
B
B
D
D
L
I'm
a
little
bit
concerned
about
rushing
this
through.
Like
this,
I
I
realize
there's,
there's
a
deadline,
for
you
know
the
coverage
and
you
want
to.
You
don't
want
to
lapse,
but
on
the
other
hand
it
publicly,
it
looks
bad
I'll,
put
it
bluntly:
we're
talking
about
insurance,
we're
talking
about
money,
we're
talking
about
competition,
it
kind
of
gives
the
impression
the
council
is
trying
to
rush
this
through
and
cut
out
everybody
else
just
putting
it
out
there.
But
that's
what
it
looks
like.
C
H
H
You
know,
I
think,
if
we're
saving
the
taxpayer
dollars
and
going
in
on
a
different
route
than
we
have
in
the
for
the
past
since
the
mid
90s,
you
know,
I
I
don't
view
it
the
same
way
that
you
do
that
this
is
looking
like
anything
is
being
rushed
through.
We
just
have
a
timeline
like
we
do
for
a
lot
of
things,
I.e
the
budget
of
2021
back
in
december
of
last
year.
There
are
certain
things
that
you
have.
A
Yeah
and
sitting
somewhere
in
between,
we
can
in
part,
acknowledge
council
member
eisner's
concern
about
suspending
rules.
So
what
we
may
need
to
consider
is
a
special
session.
We
do
have
a
fifth
monday,
so
we
may
need
to
we'll
work
with
the
administration
on
making
sure
that
there
is
adequate
notice.
I
think
that's
the
the
concern
too
adequate
notice
to
the
public
of
what
we're
where
we're
moving
on
this.
A
G
H
Yeah
mayor
go
ahead,
I
would
be
more
than
happy.
Remember.
Kaz
is
to
to
speak
at
the
beginning
of
each
year
or
whatever
much
like.
I
will
be
soon
talking
about
our
complete
streets
and
what
we
have
done.
You
know,
I
don't
think
it's
something
that
needs
to
go
into
it,
the
ordinance
itself.
I
just
think
that
it's
something
that
I
could
certainly
report
out
the
the
performance
of
this
program.
I
H
I
Thank
you,
member
carl,
just
a
remember,
reister
mentioned
sort
of
like
the
the
fact
that
this
is
a
a
switch
from
one
provider
to
another,
and
I
know
that
mr
shanky,
it
has
mentioned
john
miller,
our
our
agent,
who
is
here
local
and
that
it
would
this
was
something
that
was
brought
to
the
city
administration
as
something
we
might
want
to
consider
is
looking
at
perhaps
better
coverage
at
lower
cost,
and
I
know
on
a
much
smaller
scale.
Individuals,
you
know
talk
to.
You
know
their
insurance
companies
like
hey.
I
I
think
you
know
I
could
save
you
some
money
and
offer
you
better
coverage,
and
so
we
we
switched
were
there
any
other
options
that
were
that
have
been
already
reviewed
by
administration?
Or
is
I
don't?
I
don't
know
how
many
entities
compete
for
this
type
of
you
know,
providing
a
service
to
cities
so
just
to
sort
of
follow
on
what
mr
reiser
remember
risen
was
saying.
Are
there
some
other
options
out
there
that
we're
not
seeing
by
by
moving
quickly?
I
D
Yeah,
go
ahead,
sorry
to
clarify
a
little
bit.
What
we're
talking
about
this
type
of
coverage
is
very
specialized,
so
it's
not
necessarily
something
that
we
would
work
through
a
lot
of
different
local
agencies
to
to
come
up
with
a
competitive
bid
on
because
of
the
nature
of
self-insurance
and
joint
pools.
D
I
don't
know
and
I'll
defer
to
to
pep.
As
far
as
other
joint
insurance
pools
that
exist
for
ohio,
you
know
the
only
other
one
that
I
know
is
the
one
that
we're
in
and
pep
and
one
of
the
the
driving
forces
behind
the
changes
beyond
just
the
the
financial
piece,
but
also
the
endorsement
of
the
oml
and
we're
moving
from
being
a
a
big
fish
in
a
small
pond
to
being
a
smaller
fish,
and
that's
a
good
thing
in.
In
this
instance.
D
D
The
the
group
of
vetting
of
other
cities,
we
have
a
lot
of
other
resources
that
we
were
able
to
be
in
contact
with
to
have
the
option
to
to
review
it
to
find
out
how
it's
working
for
them
and
whether
what
other
options
they've
had
and
by
far
the
feedback
that
I've
received
has
been
that.
This
has
been
a
very
good
thing
and
we've
got
15
out
of
16
townships
that
are
in
this
as
well.
D
F
F
We
pep
and
vernon
flower
handle
the
vast
majority,
we're
probably
the
largest
when
you
combine
the
township
pool
with
with
pep
we're
up
to
about
1500
public
entities.
You
know
so
there
are,
there
are,
but
most
of
us,
the
pooling
arrangements,
are
more
regional.
There
is
a.
There
is
a
pool
out
there
that
does
quite
a
few
public
entities
called
the
ohio
plan
and
and
they're
a
solid
option
as
well,
but
that
you
know
we
have.
L
C
C
C
C
The
city
administration
would
like
his
pay
rate
to
be
31.71
cents,
an
hour
which
is
the
midpoint
of
the
grade.
He
is
now
in
grade
nine.
He
was
last
in
grade
eight
and
because
this
is
the
midpoint
of
grade
nine
and
yet
a
new
position
it
is,
it
requires
council
approval
because
it's
more
than
10
over
the
starting
rate.
This
is
an
individual
who
has
36
years
of
experience
with
the
city,
and
the
city.
C
C
C
H
H
C
C
I
Thank
you
president
nicely,
and
we
are
switching
committees
but
staying
on
topic
of
water
reservoirs
and
epw
and
finances.
It's
a
familiar
theme
this
evening.
So
for
our
committee,
the
times
booster
station
of
the
crimes
location
is
is
an
ongoing
project.
This
is
a
project
that
is
underway.
Just
I
have
an
update
from
director
of
dyne
that
the
building
foundation
is
nearly
complete.
The
prefabricated
structure
has
been
ordered
by
the
contractor
and
the
project
is
scheduled
to
be
complete
this
year.
I
The
construction
engineering
have
been
completed
by
city
staff,
but
there
are
things
that
that
we
need
to
still
approve
finances
for
so
the
current
project
is
at
one
million
one
hundred
sixty
eight
thousand
450
and
the
requested
increase
is
70
000..
So
this
is
for
again
design
engineering
and
also
includes
a
approximately
4.1
percent
contingency
for
the
construction
contract.
I
The
often
recommended
contingency
is
a
7
to
10
percent,
but
the
underground
work
is
nearly
complete
and
so
that
that's
where
a
lot
of
the
issues
arise,
but
because
they
are
coming
back
needing
an
adjustment.
At
this
point,
they'd
like
to
include
a
bit
for
contingencies,
so
are
there
any
any
questions
about
the
kymes
water
booster
station
project?.
G
Thank
you,
and
I,
and
I
just
wanted
to
to
make
a
just
just
a
comment.
I
think
that
the
so
this
project
is
about
a
third
of
the
cost
of
what
the
richland
avenue,
pedestrian,
passageway
is
and
and
about
the
same
same
overage.
I
mean,
I
think,
we've
understand
when
we,
when
we
enter
into
engineering
world
that
so
often
there
there
are
these
these
unknowns,
that
that
push
a
project
a
little
bit
more
than
what
was
anticipated,
but
it's
kind
of
almost
par,
for
course,.
I
Yes,
and
in
in
this
one
director
odyn
gave
me
some
specifics
of
things
that
the
city
has
proposed
and
changed
that
have
have
resulted
in
decreases,
but
there
were
unsuitable
soils
that
needed
to
be
removed
for
the
foundation,
and
there
are
just
some
things
that,
and
until
you
check
the
soil,
you're
you're
not
going
to
know
what
you're
going
to
get
into
and
that
that
was
one
of
the
issues.
With
this
project.