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From YouTube: 3/7/23 - Dearborn Heights Study Session
Description
The Dearborn Heights Study Session for the City Bank Accounts taking place Tuesday, March 7th 2023 in the Dearborn Heights Council Chambers and via Zoom.
A
Good
evening,
ladies
and
gentlemen,
and
welcome
to
the
March
7th
study
session,
this
is
happening
at
Diamond,
Heights,
City,
Hall
city
council
meeting.
It
says,
study
session
specifically
in
regards
to
bank
reconciliation,
we're
going
to
have
from
plant
Moran.
We
have
two
Representatives
here:
Brian
and
and
Michelle
from
plant
Moran
they'll
be
up
to
speak
first,
we'll
also
have
the
treasurer
speaking
and
possibly
the
controller
and
then
go
from
there.
B
B
Thank
you
very
much
for
the
the
chance
to
work
with
you
and
to
speak
with
you
this
evening.
The
topic
that
we're
going
to
discuss
is
Bank
consolidation
recommendations.
So,
as
I've
talked
at
previous
Council
meetings,
there's
nothing
wrong.
Nothing,
illegal,
nothing,
bad
about
having,
as
many
bank
accounts
as
you
want
to
have.
You
could
have
50
more
than
you
have
right
now
and
it's
it's
not
wrong
best
practice,
but
it's
a
matter
of
efficiency.
B
So
we
our
recommendation
and
we'll
go
through
a
timeline
of
how
it
could
happen,
as
well
as
some
benchmarking
compared
to
other
cities
in
the
area.
But
our
recommendation
is
to
take
the
group
of
bank
accounts
that
you
currently
have
shrink
them
down
and
consolidate
and
Implement.
What's
called
pooled
Cash,
so
in
a
pooled
cash
system,
we
don't
worry
that
water
money
is
in
one
account
and
general
fund
money
is
in
another
account
and
Street
monies
in
another
account.
B
Give
you
a
summary
to
start
off,
so
the
list
that
of
bank
accounts
and
investment
accounts
that
we
looked
at
the
last
time.
I
was
here
had
44
separate
accounts
held
at
five
different
banks
or
institutions
of
those
44
four
have
been
closed
at
some
point,
leaving
40
left.
A
question
has
been
asked
several
times.
What's
normal,
and
my
response
was
10
to
15.
B
C
B
I
do
what
we
should
agree
on
some
terminology.
First,
because
a
lot
of
times
people
say
account
and
fund,
and
they
kind
of
mix
it
up
what
they
mean
or
the
word
restricted.
So
in
accounting
terms,
restricted
typically
speaks
to
how
the
money
must
be
used,
not
how
you
keep
the
money,
not
where
you
hold
it.
For
example,
you
have
a
sanitation
millage
that
millage
is
authorized
by
state
law
and
that
money
is
restricted.
It
can
only
be
used
for
sanitation.
B
You
can't
use
it
to
pay
firemen,
you
can't
use
it
to
build
the
water
system,
it
is
only
for
sanitation,
that's
restricted.
It
doesn't
mean
that
that
money,
the
proceeds
from
the
millage
does
not
mean
that
that
money
has
to
be
in
a
separate
bank.
Account
just
means
that
you
can
only
spend
it
on
that
particular
purpose.
B
If
physical
segregation
of
the
money
or
actual
segregation
is
not
typically
a
requirement
in
some
select
cases,
it
is,
but
by
and
large
it
is
not
so
fund
versus
bank
account.
Some
funds
do
require.
Excuse
me
some
activities
such
as
the
money
that
the
Michigan
Department
of
Transportation
provides
you
to
take
care
of
your
major
in
local
streets.
B
B
C
Yes,
sir,
just
so
I'm
on
the
same
page
hearing
what
you're
saying
so
we
could
you,
you
would
say
that
the
software,
the
general
ledger
system,
what
our
first
comptroller
when
mirabazi
became
mayor
called
you
know
you
can
keep
track
of
all
that
on
the
general
ledger
software
and
so
you're,
explaining
to
us
the
pool,
Cash
System,
how
you're
going
to
tell
us
the
definitions
of
the
different
funds,
and
then
you
know
with
government
accounting.
It's
always
how
the
dollar
is
paying
where
it
comes
from
and
where
it's
going
right.
B
Yeah
there
are,
there
are
many
different
revenue
streams
that
flow
into
the
city
and
whether
it's
because
of
law
or
ballot,
language
or
another
Public,
Act
or
direction
from
Department
of
Treasury
or
Department
of
Transportation
or
any
other
agency
or
Department
of
the
state
or
federal
government.
There's
a
a
restricted
purpose
to
all
this
money
coming
in,
but
not
necessarily
where
you
have
to
put
it
and
keep.
D
E
D
D
D
Okay,
so
we
went
back
and
looked
at
the
plant
Moran
things
and
you
know
they
would
spell
it
out,
but
sometimes
then
they
put
it
under
transportation
and
it
wasn't
clear
to
me
that's
when
I
wanted
to
have
restrictions
on
some
of
these
and
in
their
own
bank
account.
So
I
can
pick
up
and
look
and
say:
hey,
that's
what
I
have
in
Peg
fees
I
know.
D
Now
we
can
spend
200
000
on
this
and
act
345
when
I
first
started
as
a
city
councilman,
we
were
collecting
three
and
a
half
million
dollars
for
act,
345.
and
all
of
a
sudden
three.
Three
years
later,
it
grew
to
11
and
a
half
million
dollars
and
I'm
saying
wait
a
minute.
How
does
this
happen?
Okay,
while
there's
other
things
rolled
into
that
that
I
didn't
know
that
we
weren't
being
told,
but
now
we're
being
told
so
I
fully
understand
it.
D
So,
but
you
know
we
wanted
to
keep
that
money
to
make
sure
that
that
fund
always
stayed
the
same
and
same
with
public
act
202.
now,
if
we
can
combine
something
together
and
have
them
separated
out
properly
I'm
all
for
it,
so
mistakes
aren't
made.
The
big
thing
is
to
avoid
mistakes
on
where
the
money
goes.
E
B
B
Keep
it
separate
it's
the
same
idea,
but
the
general
ledger
over
the
last
30
years
hit
the
software
will
do
all
of
that
for
you
and
as
long
as
the
accounting
stays
current,
which
it
should
it's
not
a
matter
of.
Looking
at
the
bank
statement,
it's
a
matter
of
just
looking
at
a
report
coming
out
of
the
general
ledger
that
should
be
provided
to
council
and
management
on
a
regular
basis.
B
So
let's
go
another
slide
further.
If
you
don't
mind,
I
mentioned
benchmarking,
so
we
went
to
each
of
the
municipalities
as
listed
have
here.
These
are
all
in
the
Western
Wayne,
County
area
and
based
on
these
are
ranked
in
order
by
population
city
of
Dearborn,
being
the
largest
city,
Wayne,
being
the
smallest
and
listed
the
number
of
accounts,
both
bank
and
investment,
that
each
of
the
municipalities
have
and
then
a
total,
and
then
the
asking
the
question
yes
or
no.
Do
you
have
pooled
cash?
B
C
B
So
the
the
things
that
jump
out
to
me,
all
of
all
these
municipalities,
city
of
Dearborn
Heights,
has
the
most
checking
and
savings
accounts
now
on
the
investment
side,
you're
not
at
the
very
top
you're
number,
three,
the
other
communities
that
have
a
lot
of
them
yep.
The
third
most
there's
reasons
why
they
have
so
many
and
there's
reasons
why
some
place
like
a
Canton
or
a
Livonia
would
have
more
checking
and
savings
accounts
or
at
least
be
able
to
maintain
them.
And
that's
really
the
question
here.
B
So
in
Livonia,
the
finance
director
has
been
there
for
25
years,
the
deputy
treasurer's
been
there
over
30.
they've
got
it
down,
there's
no
quite
they
they
can
do
whatever
they
want
and
keep
track
of
everything,
and
it's
fine
City
Westland.
The
finance
director
you
mentioned
he's
been
there
for
almost
20
years,
if
not
20
and
prior
to
that
had
been
here
been
at
Garden
City
and
he
is
also
the
treasurer.
So
there's
no
worry
of
turnover.
He
does
both
jobs.
The
treasure.
B
B
It's
not
a
matter
of
right
or
wrong.
It's
a
matter
of
accuracy
and
efficiency
and
the
time
it
takes
to
maintain
things
and
avoiding
mistakes.
If
there
are
fewer
accounts,
there's
fewer
places
to
put
the
money
right
so
and
if
we're
using
a
pool,
most
of
that
money
is
just
going
to
go
in
the
exact
same
spot.
We
don't
have
to
worry
about
which
bank
account
it
went
into,
or
are
we
running
low
on
one
and
need
to
wire
money
in
to
make
payroll
or
pay
a
bond
payment?
Okay,.
D
B
How
do
you
know
now,
you
don't
know
now
if
the
check
was
cut
out
of
a
different
account
right,
you
have
to
rely
on
your
Finance
people
to
give
you
the
correct
information
here
is
our
financial
statement
for
the
month
on
this
line
is
where
we
expensed
the
building
the
repair,
the
fire
truck,
the
whatever
I
mean
you're.
None
of
us,
myself
included,
are
in
the
Comptroller's
office
when
the
check
is
cut.
B
So
how
do
you
know
it
came
out
of
the
right
account
anyway,
so
the
current
system
isn't
isn't
any
more
accurate
that
way
than
what
I'm
proposing?
How
would
we
find
out
them?
Well
it
if
it's
in
the
pool
and
the
pool's
being
reconciled,
and
you
get
a
financial
statement
every
month
you
can
see
by
fund.
This
is
what
fund
or
department
paid
for
that
item.
The
information
is
there
and
readily
available.
A
But
there's
also
don't
forget:
I
mean
obviously
it's
checks
and
balances
between
the
controller
and
the
treasury.
That's
what
it
creates
it
and,
of
course
you
got
Administration
overseeing
everything,
and
then
you
got
the
audits
every
year
through
plant,
Moran
or
whoever
we
happen
to
use
that
particular
year.
It
does
the
audit
so
there's
some
checks
and
balances
on
that
end.
God
continue
foreign.
C
A
B
Okay,
so
our
proposal
is
to
take
the
existing
remaining
40
accounts
and
consolidate
it
down
to
13.
and
on
subsequent
Pages.
We
have
a
timeline,
oh
actually,
I'm.
Sorry,
there
I
want
to
answer
another
question.
So
how
do
we
know
where
the
money
is
or
where
it
came
from?
This
is
what
your
report
should
look
like.
You
can
see
by
fund
how
much
cash
is
in
each
one
if
the
accounting
has
been
reconciled
on
a
timely
basis.
B
The
report
that
you
get
is
going
to
be
no
older
than
two
or
three
weeks,
which
is
almost
instant
in
government.
You
can
see
exactly
what
you
have
like,
where
you
put
that
in
government.
It's
real
time.
It's
it's
close
to
real
time
as
we
get
now.
How
do
we
know
that
that
this
account
has
you
know?
Where
is
all
this
money?
B
So
this
is
a
copy
of
a
bank
reconciliation
for
a
pooled
cash
account
for
one
of
those
cities
that
was
on
the
benchmarking
page,
so
the
column
on
the
left
I
know
it
might
be
a
little
tough
to
see,
but
you
can
see
all
of
these
different
general
ledger
accounts
that
are
part
of
the
pool.
This
is
One
bank
account
all
of
the
money
for
these
I.
Don't
I'm
gonna!
B
B
D
G
D
I'm
getting
see
here,
here's
my
dilemma
and
excuse
me:
I
asked
you
a
question:
you
highly
answered:
it
I
have
her
shaking
her
head.
No,
so
this
is
the
problem.
I
want
to
know
who's
supposed
to
be
doing
this
and
that's
the
person
that's
supposed
to
be
doing
it
and
I
don't
and
as
a
councilman
I
don't
want
to
have
to
pay
you
you
or
anybody
else
to
do
this.
If
I
have
a
person,
that's
supposed
to
be
doing
it,
this
is
taxpayer
money
I'm
trying
to
save.
D
If
I,
if
I
have
to
pay
you
seven
hundred
thousand
dollars.
Well,
then
I
want
to
get
rid
of
a
department
to
just
pay
you
and
get
it
done.
Okay,
as
simple
as
that,
but
if
I
have
a
person,
that's
supposed
to
be
doing
it,
I
want
to
get
done
and
if
bringing
it
down
to
13
accounts
makes
it
efficiently
that
it
can
be
done
by
in-house
people
right
now.
D
B
I
I
agree
with
everything
you
said,
and
the
idea
is
that
we're
going
to
work
ourselves
out
of
a
job
over
time.
You
still
have
some
Personnel
changes
to
make
in
the
Comptroller's
office.
I
know
a
person
just
put
in
their
notice
or
left,
but
the
Comptroller's
office
has
a
responsibility
of
the
reconciliation.
Now
the
treasurer's
office
has
the
bank
accounts.
They
know
what
money's
coming
in.
B
This
is
why
it's
different?
It's
a
timing
issue
or
or
whatever-
and
there
are
you-
know,
deposits
in
transit
or
outstanding
checks.
The
general
ledger
is
going
to
say
we
have
the
money
or
we
spent
the
money,
but
the
bank
may
not
know
it
yet
because
the
check
hasn't
cleared
or
the
deposit
hasn't
cleared.
But
the
reconciliation
process
is
between
the
data
of
the
general
ledger
and
the
bank
account
again.
B
B
A
An
overview
right
now
and
if
we
feel
we're
going
to
need
a
little
bit
more
time
that
we'll
set
up
a
second
study
session
at
that
particular
point.
But
if
you
could
do
us
a
favor,
though
your
presentation,
if
you
don't
mind,
maybe
emailing
it
to
the
council
members
and
the
clerk
I'd,
really
appreciate
that.
Okay.
B
The
mayor's
office
can
distribute,
however,
they
see.
Okay,
if
you
don't
mind,
thank
you.
So
we're
going
to
do
this
in
phases
where
we
propose
doing
it
in
phases.
We
don't
want
to
close
27
accounts
on
one
day,
because
that
would
get
confusing.
So
we
want
to
do
this
over
several
months,
where
we
do
a
handful
of
accounts
at
a
time.
Make
sure
that
the
accounting
now
because
we're
gonna
have
to
make
configuration
changes
within
bsna.
B
So
we've
tried
to
group
them
based
on
bank
or
based
on
just
ease
of
doing
it
in
these
phases,
so
phase
one
is
taking
five
of
these
different
accounts
and
putting
them
all
into
what
is
going
to
be
called
the
pool,
and
these
are
all
at
Comerica.
So
it's
really
just
a
matter
of
telling
Comerica
closed
account
number
one
two
three
and
put
it
in
account
XYZ,
and
they
will
do
that
that
day.
B
We
went
through
a
bunch
of
History
to
determine
yeah,
that's
the
library's
money,
so
we
can
just
close
that
construction
account
and
just
give
that
16
000
to
the
library
and
we
are
recommending
keeping
the
library
account
open
and
separate
because
they
have
a
different
board.
They've
got
different
operations,
that's
fine,
they're,
still
part
of
the
city,
no
argument
there,
but
they're
kind
of
a
quasi
organization
similar
to
The
Courts
yeah.
B
So
we're
just
going
to
let
Library
have
a
bank
account
no
problem,
so
that
would
be
the
end
of
phase
one
phase
two,
so
you
have
several
property
tax
accounts
and
our
recommendation
is
to
have
one
Michigan
Department
of
Treasury
requires
one.
So
this
is
one
we
can't
put
in
the
pool.
You
do
have
to
keep
a
separate
tax
account,
and
so
we
would
take
the
personal
property
tax
and
the
one
from
Chase
one
from
Dearborn.
Federal
put
it
into
one
account
at
Comerica:
we're
going
to
just
keep
our
banking
primarily
at
Comerica.
B
B
Related
to
water,
so
you
have
an
account
at
Dearborn,
Federal
and
there's
a
water
escrow
account
at
Comerica.
These
can
all
these
can
all
go
in
the
pool,
there's
there's
no
reason
not
to,
but
we
do
recommend
keeping
open.
The
lock
box
account
at
Comerica.
What
is
the
lock
box
so
when
someone
mails
in
their
check
instead
of
someone
here,
opening
an
envelope
and
pulling
it
out,
it
goes
right
to
Comerica
they
open
it.
E
B
B
So
actually,
let's
spend
a
couple
minutes
on
this
because
you
mentioned
Peg
earlier
you
mentioned
3
45
earlier
I
mentioned
the
street
funds.
Nobody
mentioned
arpa,
but
that's
also
on
this
slide.
So
there's
nothing
in
act
51,
which
is
the
law
that
gives
us
our
street
funding.
There's
nothing
in
there
about
having
a
separate
bank
account.
The
peg
fees
are
a
little
bit
more
complicated
because
there's
both
a
state
and
federal
law,
neither
of
them
discuss
having
a
separate
bank
account.
Remember
it's
restricted
for
purpose.
We
can
only
do
something
with
that
money.
B
E
H
H
D
D
D
I
find
yourself
for
years
and
nobody
nobody.
So
we
have
to
fight
for
it,
which
made
it
even
worse
for
whoever
was
taking
care
of
this
because
as
a
not
a
council
person
but
as
a
I
wanted
to
know
what
we
had
and
then
when
I
became
a
councilman,
it
was
even
more
frustrating
because
I'm,
not
a
CPA,
hey
I
would
just
talked
hey,
go
page
11
and
12.
And
that's
all
you
need
to
read.
Okay,
but
again
you
still
got
to
know
what
you're
looking
for
sure.
Let's.
B
B
B
B
The
general
ledger
will
account
for
it:
okay
and
then
phase
four
Final
Phase
is
so
previously.
Those
are
all
savings
and
checking
accounts.
Phase
four
is
the
various
Investments
that
you
have
all
six
of
these
on
the
screen
are
at
Comerica
they're
in
separate
investment
accounts,
but
just
like
a
checking
pool,
you
can
have
an
investment
pool.
So
if
you've
got
you
know,
Surplus
money
for
cash
flow
purpose,
but
you
have
Surplus
money
from
streets.
You
have
Surplus
money
from
water.
B
You
don't
have
to
worry
about
getting
a
better
interest
rate
on
one
versus
the
other
or
this
other.
You
know
it's
not
fair,
because
this
one's
getting
better
than
this
one,
it's
all
in
the
same
place,
it's
all
getting
the
same
return
and
the
software
will
at
the
end
of
the
month
as
we
go
through
the
reconciliation
it'll
divide
up
the
interest
based
on
probably
weighted
average
like
this,
is
how
much
you
had
on
average
during
the
course
of
the
month,
and
it
will
automatically
spread
it.
B
A
In
summary,
we're
going
to
go
ahead
and
ask
questions
now
by
council
members.
So
in
summary
you
believe
in
your
professional
opinion,
there
are
definitely
too
many
accounts
open,
correct.
Absolutely:
okay,
council
members
go
ahead,
but
please
go
through
the
council,
chair,
Council
chairman,
so
go
ahead.
Thank
you.
I
J
F
All
right
so
to
answer
your
question:
no,
they
are
not
they're
in
checking
accounts
and
act
345.
Ideally,
what
I
would
like
to
see
is
progress
to
is
making
it
part
of
the
15-day
distribution
schedule,
that's
required
by
Michigan
compiled
law
for
taxes,
because
that
is
a
loving
that's
on
your
tax
bill.
So
that's
the
direction
we
want
to
go
with
that.
F
The
at
345,
if
you're
Distributing
it
every
15
days,
no
because
it
would
not
end
up
being
pulled
in
any
account
because
it's
going
to
add
345
where
it
belongs,
because
we're
collecting
the
taxes
as
a
levy,
Forex
345,
the
police
and
fire
pension
system,
and
it
would
be
part
of
the
distribution
schedule
just
like
the
school
districts-
are
that
we
collect
for
just
like
Wayne
County
that
we
collect
for
the
DIA,
the
zoo.
We
make
those
distributions
every
15
days,
based
on
what
we've
collected
during
that
15-day
period.
F
Peg
was
separated-
and
this
was
before
my
time
into
a
separate
account
and
it
was
900
000
open
the
account
into
a
checking
account
of
that
900
000
I
invested
800
000
with
Morgan
Stanley,
where
it's
remained
and
I
continue
to
keep
reinvesting
it.
So
we
were
making
proceeds
off
of
those
funds,
so
that
is
what
is
going
on
with
PEG
again.
That
was
before
my
time.
F
It
was
already
open,
but
it
goes
to
councilman
muscat's
point
that
there
was
concern
with
the
council
body
because
at
one
point
we
were
told
as
and
I
was
a
council
member
at
the
time
there
was
no
money
to
upgrade
the
studios,
and
then
they
came
back
to
us
and
said:
oh,
we
found
it
and
that's
unacceptable.
So
that's
how
that
account
ended
up
becoming
what
it
is
today.
A
A
I
F
They
I,
actually,
we
understand,
pool
counting
and
I.
Do
support,
pool
accounting
up
to
the
point
where,
right
now,
the
general
ledger
is
not
accurate.
Necessarily
if
I
was
to
say
to
you
if
I
went
to
you
today,
it's
you
know,
give
me
February,
it's
February
accurate.
The
answer
would
be
no
and
I.
I
can
show
that
I'm
willing
to
do
this,
but
we've
got
to
make
sure
it's
done
correctly
and
I'm
able
to
do
my
monthly
reports
according
to
the
city
Charter
with
accuracy
and
I.
F
For
what
they're
doing
I
give
you
a
lot
of
credit
I
want
you
to
know
that
there
were
some
general
ledgers
that
didn't
match
the
bank
accounts.
So
therefore,
when
I
come
to
you
with
my
monthly
reports,
as
required
by
Charter,
I
would
be
off
if
I
had
told
you
that
that
that
general
ledger
item
that
Commission.
F
That
Commission
was
this
amount
of
money.
Because
that's
what
the
general
letters
said,
general
ledger
says
says:
it's
got
38
dollars.
Reality
is
695..
What
if
I
told
you
that
what
if
I
had
given
you
the
wrong
amount
off
of
the
general
ledger?
I
bet
that
commission
wouldn't
be
very
happy,
so
I
actually
keep
the
spreadsheets
to
make
sure.
That's
an
escrow
account
by
the
way
I
keep
track
of
that
from
the
very
beginning,
from
the
Inception
of
that
commission
line
by
line
by
line
I
keep
track.
One.
I
F
Think,
eventually,
it
would
work
and
yes,
we
would
still
be
able
to
invest.
Investments
are
about
taking
your
idle
money
and
investing
it.
So
you
can
make
money
off
of
that
money.
I'm
a
certified
Advanced,
Certified,
Public,
Finance
investment
manager
and
yes,
I
actually
sent
you
folks
today
that
investment
report
for
February
I'm
sending
it
to
you
monthly.
You
could
see
how
much
money
we
made.
Your
answer
is:
yes,
we
can
once
we
know
the
general
ledger
is
accurate.
F
I
do
support
that,
but
I
also
want
to
make
sure
I'm
able
to
present
my
monthly
reports
to
you
that
are
required
by
the
charter
and
those
are
based
on
bank
accounts
and
if
the
general
ledger
is
going
to
be
and
I
agree
with
Poole
County,
you
could
separate
them
out.
I
agree.
I
can
do
that
if
they
are
accurate.
I
I
just
have
one
statement:
I
wanted
to
finish
up
with
that
I'm
in
favor
of
this
program,
but
I'd
still
like
to
see
the
peg.
That's
that's
kind
of
a
pet
account
that
this
Council
that's
here
now
is
I'd
like
to
see
that
stay
separate.
Just
just
for
the
fact
that
you
can
look
it
up
right
away
and
you
don't
have
to
get
on
a
program
and
see
here,
and
you
can
see
exactly
where
the
money's
going.
It's
something
it's
idle
college
should
be
put
into
the
you
know.
F
We
taking
it
has
to
be
an
estimate,
Public
Act
20.,
so
it
has
to
be
an
a2p2.
This
is
normally
what
I
go
with
for
Ratings
I
work
with
Morgan
Stanley,
so
we're
working
with
advisor.
It's
not
just
me,
making
the
decision
they're,
making
recommendations,
I
tell
them.
I
want
to
go
30
days.
60
days,
based
on
what
I
can
see
is
needed.
For
example,
major
local
I
always
call
engineer
deep
and
say:
when
do
you
need
this
money?
F
F
H
F
Yeah
we've
had
a
lot
of
meetings
and
I
fully
support
that
and
to
come
to
her
and
I
and
and
Michelle
we've
had
I,
don't
know
how
many
meetings
but
I
mean
I
can
agree
to
this.
But
again,
I
I
want
to
make
sure
that
the
Ledger
is
accurate.
That's
got
to
be
very
important
because
my
records
or
my
reports
are
going
to
depend
on
it
and
I
would
love
to
run
a
report.
That's
so
efficient
because
we
all
want
to
be
efficient
and
accurate.
I.
A
Got
a
question
for
Brian
going
through
some
of
the
accounts
and
there's
a
couple
things
that
I've
got:
one
of
them
will
be
for
the
treasurer
afterwards.
Let
me
start
with
you:
there
was
multiple
accounts.
There
was
Dearborn
Federal,
Savings,
Comerica,
Bank,
Chase,
but
I
know
there's
a
lot
of
other
particular
Banks.
A
B
A
lot
of
different
reasons
why
you
might
spread
it
amongst
Banks
I
mean
risk
is
a
thing,
so
diversifying
your
portfolio
makes
sense.
There's
ways
to
do
that
without
being
in
so
many
banks,
I've
also
been
in
communities
when,
where
the
thought
has
been,
we
want
to
reward
the
banks
that
have
brick
and
mortar
buildings
in
our
city,
so
we're
going
to
put
some
money
at
each
bank
that
has
a
physical
location.
It's
fine,
too.
B
Okay,
there
very
well
could
have
been
a
case
of
we
put
some
money
in
this
account
because
it
for
whatever
reason,
but
then
we
at
some
point
changed
our
checking
account
from
Chase
to
Comerica
or
Huntington
or
the
old
Michigan
National,
or
we
changed
Banks.
All
the
time.
I
say
we,
the
industry
right
changes,
Banks
all
the
time
chasing
better
interest
rates
chasing
lower
fees,
so
it
could
have
been
a
case
of
we
went
from
one
to
another
and
just
left
some
at
one
and
never
did
anything
so.
A
That's
been
one
of
the
I
think
challenges
here
in
the
city
is
a
lot
of
things
have
been
done
because,
oh
that's
the
way,
we've
always
done
it.
That's
why
we've
always
done
it
and
as
more
not
more
pressures.
It's
different
treasurers
took
over,
they
added
different
accounts,
and
now
we
are
where
we
are
with
40
plus
44
now
forward.
When
it
goes
down,
it
counts,
yeah.
A
It's
just
way
too
many,
just
pure
Common,
Sense
logic,
so
I'm
all
for,
of
course,
bringing
them
down
and
I'm
all
for
leaving
it,
and
you
know
either
one
or
maximum
food
banks,
not
multiple
Banks,
now
I'm,
one
of
them
I
know
they
take.
You
know,
taxes
and
water
bills
and
what
have
you
and
that
helps.
But
then
maybe
we
should
switch
our
accounts
to
there.
I
I
just
think
it's
so
much
better
when
you
have
it
on
one
at
one
or
two
banking
accounts.
A
The
second
question
I
had
is,
for
the
treasurer
and
I
know
I
emailed
you
about
this
and
and
I,
don't
think
we're
on
the
same
page
with
the
question.
There's
a
lot
of
service
fees
that
are
being
charged.
Yeah
and
in
my
email
to
you,
you
mentioned
that.
Well,
you
know
we
end
up
paying
no
service
fees
and
the
two
banks
that
you
showed
you
emailed
me
back.
What
bank
back
with
I'm
sorry
was
Chase
in
America,
but
obviously
we
have
accounts
in
a
lot
of
other
Banks.
A
So
that
does
not
give
me
all
of
them.
That's
one
and
two
of
the
other
concern
that
I've
got
it's
very
easy
to
show
that
we
have
no
service
fees
they're
at
zero,
because
we're
getting
money
back
from
the
Investments
that
we
have
at
these
particular
Banks,
but
it
is
still
money
loss.
So
hypothetically,
for
example,
let's
say
this
service
fees.
Let's
say
we
received
interest
of
I'm
going
to
use
a
number
of
a
hundred
thousand
dollars
and
the
service
fee
was
ten
thousand
dollars.
A
Then
we
can
say:
oh,
we
had
zero
service
fees
because
we
still
got
90.,
but
to
me
we
still
lost
that
ten
thousand.
So
that's
something
that's
concerning
for
me
that
we
have
that
money,
service
fees
and
usually
a
lot
of
these-
can
be,
at
least
in
my
opinion.
Maybe
it's
a
Salesman
in
me
when
you
have
a
lot
of
money
at
a
bank,
you
can
negotiate
a
lot
of
things
and
you
can
knock
off
service
fees.
You
can.
This
is
one
reason
why
I
stole
Brian
I,
don't
like
him
to
be
at
multiple
Banks.
A
You
have
One
Bank,
you
walk
in.
You
kick
the
door
in
you
tell
them
how
you
want
things
done
now:
they're,
not
gonna.
Tell
you
how
they
once
it's
done
so
a
lot
of
these
service
fees.
They
may
be
on
the
books,
but
if
you're
talking
about
these
waived,
they'll
waive
them
once
I'm
done
they'll,
do
it.
If
you
have
enough
money
there.
So
that's
the
question
for
you,
but,
most
importantly,
the
service
fees.
Over
and
above
the
two
that
you
sent
me.
Okay,.
F
So
let
me
go
ahead
if
I
may
answer
that
the
two
primary
banks
that
we
work
with
are
Chase
and
Comerica
Dearborn
Federal,
Savings
Bank,
there's
three
accounts
that
are
very
low
balance
they're
there
because
of
the
payment
centers
that
were
set
up
many
many
years
ago.
People
like
the
payment
centers,
including
tax
and
water,
and
that's,
and
they
require
general
fund
to
be
there
in
order
to
offer
the
processing
of
tax
payments
and
water
payments
for
residents.
F
This
is
for
service
for
our
residents,
the
community,
the
customers.
So
that's
why
I
talk
about
Comerica
and
change
with
you,
which
I
did
share
with
you,
and
what
I
want
to
go
to,
though,
is
you're
missing
a
key
word
here,
which
is
earnings,
credit,
okay,
so
I
meet
with
Comerica
and
Chase
representatives.
In
fact,
I
just
met
with
Chase
today,
and
we
always
review
and
discuss
ways
that
we
can
improve
the
service
that
we
offer
and
process
like
the
check
scanners.
For
example,
we
save
a
lot
of
time.
F
We
have
reduced
our
nsfs
or
returned
items
and
also
our
bank
Corrections,
which
take
time
and
money
your
staff
we
no
longer
have
that
so
with
the
credit
earnings
that
is
based
off
of
your
balances,
not
your
activity,
your
balances
and
your
accounts
and
the
number
of
accounts
you
have
and
JPMorgan
Chase
I
gave
you
the
report,
the
balance
analysis
and
it
is
zero.
It
is
zero.
They
show
you
what
it
would
cost
you
if
you
had
to
pay,
but
we're
not
paying
that
so
the
reality
is.
F
Invest
with
Morgan
Stanley,
those
are
investments
yeah
and
we
also
invest.
We
have
two
CDs
right
now
with
Flagstar,
because
again
you
diversify
your
Investments
okay,
so
we
go
with
CDs.
Can
I
may
I
finish?
Do
you
mind?
Do
you
mind?
Thank
you.
I
just
want
to
talk
about
Comerica,
because
Comerica
we
have.
The
savings
is
so
instrument,
it's
huge,
because
the
only
thing
we're
actually
charged
for
are
the
wire
payments,
because
they're
they're
not
covered
by
the
earnings
credits.
F
So
that's
like
your
payroll
wires,
your
bond,
your
schedule,
debt
payments,
those
are
all
wires.
We
have
to
pay
for
the
wires
that
one
can't
be.
You
know
Exempted,
and
that
was
last
year
for
2022
was
a
total
of
748
dollars
for
all
the
wires
that
we
did
and
everything
else
was
zeroed
out.
So
that's
just
what
I
want
and
I
I
sent.
A
You
all
that
so
so
I'm
gonna
tell
you
where
I
was
referencing
Treasurer.
So
if
you
look
at
in
the
one
for
JP
Morgan,
for
example,
there's
you've
got
here:
earnings
credit
allowance,
13,
983,
okay
and
they
subtract
total
charge
for
services,
3880.
wow,
and
then
you
got
net
service
credit,
ten
thousand
one
hundred
and
three.
A
So
there's
where
my
point
is:
had
we
not
had
those
types
of
service
charges
we
could
have
been
potentially
at
13
983
coming
into
the
city
versus
just
ten
thousand
now
I
know
we
might
say
it's
three
thousand
dollars,
but
again
with
the
amount
of
millions
and
millions
of
millions
that
we
have
there.
I
would
like
to
see
some
of
those
waived,
especially
when
we
have
a
man
much
lesser
amount
of
Banks.
F
And
I
understand
what
you're
saying
but
you're
talking
a
earnings
credit
of
Thirteen
thousand.
That
means
we
didn't
pay
because
of
the
credit.
That's
why
you're
at
zero
and
not
only
that,
but
that's
a
cumulative
which
means
it
carries
over
for
next
month
and
the
following
months
and
the
following
months.
So
the
reality
is,
you
are
saving
and
that's
why
I
meet
with
them,
typically
every
three
months
every
other
month
to
try
to
to
make
sure
we're
getting
the
best
price
pricing
for
our
service.
F
G
You
counselor
I,
know
Madam
treasure.
She
did
mention
those
two
accounts,
but
my
question
is
for
Brian.
If
you
don't
mind,
I
know
you
have
a
recommendation
for
number
12
and
number
13.
I
mean
I,
understand.
Morgan
Stanley
is
an
investment
and
flexor
as
a
CD.
So
if
we
move
on
to
Comerica,
how
can
we
keep
those
Investments
with
Morgan
Stanley.
E
B
B
Still
going
to
invest,
you'll
just
be
investing
through
Comerica
now,
once
we
I
I
want
to
clear
something
up
once
we
get
the
process
corrected
and
streamlined.
If
at
that
point
there
are
other
institutions
that
the
city
would
like
to
invest
in
that'll
be
fine.
We'll
have
a
pooled
system
set
up
where
you
can
take
an
extra
million.
It
doesn't
have
to
be
identified
as
Waters
million
or
Rhodes
million.
It's
just
a
million.
G
E
D
Because
then,
you're
going
to
be
waiting
two
weeks
for
a
council
decision,
okay
and
then
go
on
now.
If
everybody's
okay,
with
the
two
weeks
I,
would
like
to
see
it
come
in,
say
we're
closing
the
Morgan
Stanley
Investments
and
we're
moving
into
Comerica.
We
need
your
approval
everybody's
doing
that
I'm
going
to
be
good
with
it.
That's
number
one
number
two
having
investments
will
still
stay
in
the
pool,
correct
yes,
but
being
in
the
pool,
it'll
show
as
a
big
pot
of
money.
D
Okay
and
question
for
the
council
for
for
our
treasure,
how
many
people
are
really
using
the
banks
to
pay
their
bills
because
I
know
for
years
we
always
went
to
the
bank
and
paid
water
bills,
taxes
and
then
Banks
started
phasing
that
out
over
a
period
of
time
and
I.
Remember
because
Dearborn
Federal
Savings
used
to
do
that
and
they,
you
know
all
of
a
sudden.
They
stopped
doing
this
whatever.
D
To
pay
their
bills,
so
my
thing
is:
I'm
not
really
concerned
about
having
a
bank
that's
going
to
take
our
taking
payments
because
I
don't
think
very
many
people
do
that
anymore.
People
don't
walk
in
Banks
anymore.
They
use
ATM
machines,
yeah,
okay,
and
if
you
notice-
and
if
you
you
notice,
Banks,
are
very
few
and
far
between
and
have
staffs
anymore,
so
I'm
not
going
to
concern
ourselves
with
of
the
banks
that
really
can't
go
there
and
pay
our
bills.
K
D
F
F
F
F
Please
don't:
okay,
okay!
So
again
there
is
and
I
had
a
staff
meeting
today
to
talk
about
Dearborn
Federal
Savings
Bank,
because
I
was
ready.
I
was
ready
to
close
it
and
they're
like
no.
No,
no.
We
wouldn't
do
that
because
we'd
get
a
significant
number
of
taxes
paid
there
in
water
and
I
said
well,
let's
run
the
report
and
take
a
look
at
it.
F
Okay,
so
that's
our
first
thing
tomorrow
morning,
because
our
staff
meeting
was
towards
the
end
of
the
day
so
I'm
looking
at
that,
because
I
was
prepared
to
do
it
and
I
still
am.
If
there's
not
an
argument
to
be
made
for
it.
So
because
you're
right
we
have
the
kiosk
throughout
the
city.
We
have
the
online
payment
platform.
We
have
the
phone
app.
You
know,
there's
so
many
ways
you
can
pay
through
your
bank.
You
can
come
here
in
person.
You
can
use
a
Dropbox.
F
D
C
Are
you
familiar
with
Sam,
gallanus
and
Morgan
Stanley
he's
I'm,
sorry,
I'm,
not
okay
and
that's
just
to
distinguish
Morgan
Stanley
is
not
a
bank
they're,
an
investment
house
correct
and
whoever
he,
he
would
just
say,
explain
who
Sam
Gladys
is.
He
was
the
person
for
years
who
did
all
the
Investments
for
all
the
cities
except
Dearborn
Heights.
L
C
Had
all
the
cities
it
was
always
knocking
on
the
door,
General
Heights,
but
never
got
in
okay,
so
and
then
just
another
definition,
so
we'll
say:
John
Jay,
Ryan,
II,
last
elected
Treasurer
and
then
our
interim
Treasurer
appointed
by
the
council,
who's
Mr,
zuhair,
Abdul
Hawk
and
our
current
elected
Treasurer
is
Lisa
Hicks
Clayton.
So
last
elected
Treasurer,
John,
Jay,
Riley,
first
elected
Treasurer.
Since
then
our
current
Treasury
thank.
I
M
B
I
have
worked
in
many
cities
where
they
do
participate
in
the
pool,
but
they
are
a
separate
legal
entity,
and
so
for
our
purposes.
We
said
it's,
let's
just
keep
them
on
their
own.
Tifa
has.
If
it
has
Surplus
money,
it
will
have
an
investment
account
Brownfield
same
way.
Library
I
have
a
checking
account
and
an
investment
account.
C
Thank
you,
our
Council
chair
so
pulled
a
cow
I
mean
we.
We
use
that
we,
you
could
say
we
use
that
system.
Now.
Anybody
who
uses
any
accounting,
software,
any
municipality
or
Township
we're
doing
that
now.
You
do
not
currently
have
a
pool.
No,
we
don't.
We
we
don't
and
that's
what
you're
going
to
Institute
and
you're
you're
suggesting
and
we're
going
to
take
your
recommendation.
B
C
D
So,
with
the
more
powerful
software
we
have
that
we've
had
bsna
for
a
while,
it's
a
powerful.
We
were
not
utilizing
it
to
its
capabilities,
correct
and-
and
that
seems
to
be
a
problem
for
us
not
knowing
how
to
use
the
softwares
or
not
wanting
to
use
the
softwares.
However,
you
want
to
put
it
now
that
we're
made
aware
that
this
is
possible.
This
sounds
like
a
good
idea
to
me,
where
less
mistakes
are
made
and
comes
budget
time.
D
A
You
so
now
that
we've
had
the
presentation
from
planarian
I'm
gonna
have
the
treasure
to
come
up
and
give
us
her
viewpoint
on
this
and
then
there'll
be
a
quick
comment
from
the
controller,
get
her
side
and
then
Chief
of
Staff
did
you
wanna?
If
you
want
to
you,
come
up
and
just
say
a
word
and
after
that
we'll
have
public
comments.
Okay,.
F
And
what
we've
agreed
to
and
come
to
the
consensus
is
by
the
way
all
these
accounts
I
only
open
four
of
them.
They
were
already
open
by
previous
Treasures,
so
it
doesn't
matter,
but
somebody
you
want
to
keep
alluding
to
that
I
support,
pool
accounting
as
long
as
there's
accuracy
and
right
now
the
general
ledger
is
not
accurate.
Yet
once
we
get
there,
we
will
be
able
to
do
this
and
implement
it,
and
it
will
be
very
successful
and
streamlined,
because
no,
we
do
not
use
bsna
to
its
capabilities,
and
we
should.
F
We
absolutely
should
so
I
support
that
I
wanted
to
say
real,
quick,
the
John
F
Kennedy,
the
16
685.17.
That
was
a
bond
that
is
now
has
been
finished
for
years
and
years
and
that
account
is
closed.
It's
already
been
merged
with
the
library.
Okay.
That
was
a
recommendation
that
I
took
away
from
the
past
to
audit
reports.
F
F
Okay,
well,
let's
move
on
so
Community
Recreation
Center
construction
is
closed
because
those
are
zero
counts
and
they
go
back
many
many
many
years.
These
are
accounts
that
have
been
left
open
on
the
books
and
have
been
resolved.
We've
resolved
that
issue
the
21
Bond
per
the
bond
language.
It
has
to
have
two
accounts.
It
has
to
have
a
proceeds
account
to
pay
for
the
payments
for
everything
like
the
l43,
the
l4241,
and
then
it
has
to
have
a
retire.
The
debt
account
that's
per
Bond
language,
it's
in
the
bond
language.
F
So
that's
that's
why
those
are
there.
The
one
thing
I
want
to
talk
about
and
what
I'd
love
to
do,
love
to
do
and
I
think
Tom
told
her
grace
is
due
direct
pay,
what's
happening
with
your
cash
flow.
This
is
my
concern.
Is
always
cash
flow
when
I
come
to
you
we're
down
to
half
a
million
whatever
the
case
may
be
I'm
flagging
cash
flow
is.
H
An
issue
I
just
want
to
I
just
want
to
say
one
thing:
real,
quick,
yes,
but
that's
okay
with
you
and
I've
been
meaning
to
say
this,
and
with
respect
so
I
made
some
phone
calls
after
the
last
meeting,
stating
that
my
hope
you
know
this
astronomical
number
will
be
and
not
be
able
to
make
payroll
and
again
I
go
back
to
this
fear-mongering
that
we
do
where
we
make
residents
who
are
paying
attention
at
home.
Excuse
me
Council,
chair
guys,
but
we
tell
them
that
you
know
this.
H
This
isn't
right
or
or
we're
not
going
to
have
enough
money.
Don't
forget
hex,
season's
right
around
the
corner
and
in
the
past,
which
I
did
my
own
research
on
and
not
to
go
back
and
forth,
but
we
always
get
very,
very
tight
and
then
Texas
it
comes
around
and
guess
what
well?
Just
let
me
finish:
let's
see
and
Madam
chair,
you
know
how
much
respect
I
have
for
who
Madam
Treasurer
but
I
want
you
to
know
that
that
was
not
set
at
the
last
meeting.
H
What
was
said
was
that
we
could
potentially
be
going
bankrupt
and
not
having
any
money.
We
left
out
a
part:
okay
guess
what
come
January,
you
know
or
I'm,
sorry,
June
or
when
Texas
come
in
for
your
summer
taxes
that
money
gets
told
back
up
and
in
the
previous
years
in
the
last
10
years.
This
actually
always
happens
where
the
banker
comes
thin
out.
My
wife
was
watching
it
at
home
and
was
afraid
she
said:
hey.
Are
we
going
to
do
you
know
what
what
is
going
on?
H
Do
you
want
to
tell
no
one
I
had
that
message
being
said
all
across
the
city
so
to
the
residents
at
home
that
are
watching
this?
Let's,
let
it
not
be
said
that
we
don't
have
money
in
our
bank
accounts
or
we
can't
make
payroll.
We
have
to
make
sure
that
every
year
we
see
the
same
exact
thing
that
has
been
happening.
I
don't
want
to
go
back
out.
We
are
definitely
running
tight.
We
are
definitely
overspending.
I
agree.
We
are,
but
we
cut.
H
We've
always
went
through
this
and
guess
what,
when,
when
you
know,
when
those
levies
come
in
we're
back
at
it
right
and
the
money's
there
and
then
so,
we're
not
gonna
miss
out
on
payroll
We're,
not
gonna,
miss
out
I'm.
Making
these
things
I
just
want
to
make
it
and
I
mean
no
disrespect
to
you
no
or
to
Mr
zohair
or
to
this
Administration
or
to
anybody.
H
But
I
did
my
own
research
on
it
and
you
know:
I
asked
my
own
questions
privately
and
I
just
wanted
to
make
a
click
for
those
who
are
running
up
to
us
and
saying
and
I
believe
we're
in
a
dinner
the
other
day
and
it
hits
you
know.
Somebody
walked
up
to
us
and
said:
hey
we're
here.
Dearborn
Heights
is
going
broke.
They
have
no
money.
I!
Don't
want
to
hear
that.
It's
embarrassing
to
me.
It's
embarrassing
to
all
of
us
airing
out
dirty
laundry.
That's
not
even
real
is
wrong!
May
I
I!
F
Home
may
I,
please
explain
what
I'm
talking
about
so
every
month
you
get
a
stint
from
me
showing
the
accounts
and
the
account
balance.
Correct.
Okay,
so
I
have
cash
flow.
I
know
how
much
payroll
costs
me.
It
cost
me
around
800
000,
every
two
weeks,
I
know
Blue
Cross,
Blue
Shield
is
about
660
000.,
so
I
actually
can
I
actually
send
you
the
accounts,
payable
list
and
all
the
breakdowns
of
the
wires
and
everything.
F
F
You,
let
me
finish:
please
I
I
didn't
finish,
so
let
me
finish
what
I'm
talking
about.
So
we
all
understand-
and
this
is
what
needs
to
be
fixed-
is
a
process
which
I
keep
saying
and
we
agree
on
is
that
there
are
inner
funds,
because
everything
gets
paid
out
of
general
fund,
whether
it's
for
local
or
it's
for
major
or
it's
for
some
other
department,
and
it
should
be
coming
from
those
accounts
and
then
now
those
accounts
have
to
pay
general
fund
back.
F
Do
you
know
we
went
almost
one
year
without
having
interference
done,
that's
close
to
seven
million
dollars
a
year,
so
there
is
where
your
cash
flow
is
to
comes
from.
It
comes
from
the
inner
funds
and
in
my
mind,
if
we
did
direct
pay
directly
from
the
account,
that's
incurring
the
expense
you
would
not
have
to
do
enter
funds.
You
would
never
have
a
cash
flow
issue.
I
would
never
have
to
speak
to
you
about
it.
I'm.
Sorry,
sir,
do
you
have
a
question.
F
J
F
Certainly
can
but
try
to
do
not
do
I
need
index.
Okay,
I,
don't
believe.
I
do
so
again,
I'm
trying
to
explain
this,
how
the
accounts
work
and
when
we're
paying
everything
out
of
general
fund.
Okay,
even
if
it's
for
major
streets
or
maybe
it's
for
a
water
account,
water
count
has
to
get
you
know,
payback
to
general
fund
if
it
doesn't
you're
short.
Do
you
understand
it's
kind
of
like
me,
loan
and
mother
brought
money
to
my
brother.
He
hadn't
paid
me
back
I'm
going
to
be
hurt
at
the
end
of
the
month.
You're.
F
A
D
F
So
that's
a
great
question
and
what
we
have
to
understand
about
taxes
when
those
taxes
come
in.
It's
actually
July
1st,
that's
for
the
new
fiscal
year.
Okay,
we
shouldn't
be
using
it
to
pay
for
something
from
June
or
or
may
of
the
previous
fiscal
year.
Your
tide
goes
like
this.
You
start
in
July,
you
start
collecting
you
get
up
here
to
August
and
now
you're
going
to
start
spending,
September
October
and
we're
dipping
down
the
only
time
you
have
income
coming
in
revenue
from
your
property
taxes.
F
Your
real
taxes
is
summer
taxes
we
don't
tax
in
the
winter.
Those
are
Wayne
County
and
school
taxes.
Okay,
so
there's
it's
very
common
to
have
these
kind
of
little
waves
going
on
the
answer
to
your
question
is
yes,
you
did
you
approved
2.2
million
dollars
from
arpa
money
that
was
the
second
week
of
July
and
that
was
needed
for
cash
flow.
F
D
D
C
So
yeah
because
I
was
going
to
ask
our
our
Treasurer
Titan
briefly
what
she
agrees
with
on
what
you
said
today
and
what
she
said.
But
I
heard
her
say
that
since
she's
been
the
treasurer
she's
only
opened
four
accounts
and
I
asked
both
of
you.
Are
you
so
you
open
four
accounts
since
you're
and
and
how
many
accounts
did
our
interim
Treasurer
who's?
Also
here
open
when,
while
he.
E
F
Account
so
that
you're-
probably
oh
sorry,
I'm,
so
sorry
I
don't
want
to
lean
over
you.
Yes,
so
to
answer
your
question.
Interim
Treasurer,
Abdel
Haas
opened
one
account,
which
was
the
peg
account,
and
that
is
something
that
my
understanding
is
Council
wanted
because
of
the
back
story
with
that.
If
you
remember
the
other,
you
asked
me
if
how
many
accounts
you
ordered
open,
sir.
F
I
opened
four
at
Comerica,
which
are
all
related
to
tax,
and
that
was
done
by
Council
and
approval
by
an
adopted
resolution
by
the
council
body
in
2021,
and
that's
why,
on
your
2022
summer
taxes,
you
see
the
breakout
which
actually
our
residents
really
liked
so
and
we
separated
those
taxes
out
and
that
included
Acts,
3,
45
and
there's
where
your
legacy
come,
your
legacy
cost
and
your
opeb,
that's
where
the
concern
was.
Is
how
much
are
you
taxing
the
residents
for
that?
F
C
A
O
O
Correct.
Thank
you.
The
other
thing
that
I
did
want
to
rebuttal
on
is
the
ACH
payments,
the
direct
deposits
or
the
direct
withdrawals.
I
agree.
We
are
in
the
process
of
working
toward
that.
Unfortunately,
we
have
been
understaffed
since
I
started
here,
you're
all
aware
of
that.
Yes,
the
bank
reconciliation
statements
are
responsible
in
the
Comptroller
Department.
Yes,
my
Deputy
was
working
on
those.
Unfortunately,
she
resigned
yesterday
so
we're
at
square
one
starting
again
to
try
to
train
someone
to
come
in
and
that
will
get
done.
O
Secondly,
when
you
say
that
the
general
ledger
accounts
are
not
accurate,
you're
right,
I
agree
with
you.
However,
the
reason
that
they're
not
accurate
is
because
we
don't
have
pool
accounting
and
a
lot
of
the
information-
that's
not
coming
from
the
treasurer's
office
on
a
timely
basis
or
doesn't
get
posted
correctly
in
the
Comptroller
department
and
that
causes
the
general
ledger
numbers
to
be
skewed.
If
we
had
pool
accounting,
this
would
be
eliminated
as
well
as
if
we
had
full
staff.
O
H
O
Would
definitely
help
us
move
forward
in
many
ways,
one
as
you
had
stated
that
there
is
inner
fund
transfers
that
doesn't
get
done
on
a
timely
basis
that
won't
be
needed
anymore.
The
reason
that
that
we
have
cash
flow
issues.
We
won't
have
cash
flow
issues
anymore,
if
they're
all
in
the
pool
accounting,
because
sometimes
the
funds
will
be
taken
out
of
the
wrong
account
and
then
we
have
to
move
it
back
and
forth
back
and
forth,
and
that
causes
a
lot
of
convolution.
We
don't
know
where
the
money
is.
O
O
C
And
you
know
the
the
the
software,
the
general
ledger,
you
know:
pool
accounting
those
terms
dollars
being
restricted
unrestricted
in
their
fund,
borrowing
that
Treasurer
John
D
Riley
interim
Treasurer,
zuhair
Abdul
haq
and
current
Treasurer
elected
Treasurer,
Lisa
Hicks
Clayton,
the
recommendation
of
plant
Moran
Gap
that
we
go
to
our
pool
accounting
system
so
because
my
question
would
be
for
our
Treasurer
what
you
know
very
briefly.
What
does
she
disagree
with
as
far
as
the
recommendations
of
plant
Moran
Gap?
What
does
she
disagree
with.
F
You
I,
don't
disagree.
I
said
earlier
that
I
agree
with
pool
accounting
and
understand
it.
I
want
it
done
in
phases
like
they've
proposed
to
make
sure
it
works
with
phase
one.
So
there
that
way,
I
can
see
how
it
works,
because
there
are
things
that
are
being
asked
that
the
treasurer's
office
has
not
actually
done
and
we're
willing
to
do.
What
do
you
mean
by
phases.
C
O
I
I
I
O
A
A
A
P
This
afternoon,
council
members,
thank
you
so
much
for
hosting
this
meeting.
First
of
all,
as
you
know,
I'm
one
of
the
ones
who
brought
it
to
your
attention
in
a
council
meeting
I
wish
I
didn't
have
to
get
myself
involved
in
this
process,
but
I
had
been
working
with
both
the
Comptroller
and
the
treasury
Department
since
November
on
trying
to
come
with
an
agreement
of
which
bank
accounts
and
which
ones
not
to
come,
and
we
were
unable
to
reach
an
agreement
again.
P
The
original
plan
in
November,
when
we
first
met
with
plant
Moran,
was
to
have
all
these
bank
accounts
closed
by
June
so
that
we
could
start
the
new
year
with
a
fresh
start.
That
way
there
wouldn't
be
any
mistakes.
There
wouldn't
be
any
issues.
We
would
start
a
new
year
with
our
new
staffs
that
could
reconcile
those
items
in
a
timely
manner.
So
you
mentioned
a
lot
of
things
that
I
have
a
lot
of
things
to
say
about,
but
the
most
important
thing
is
that
you
have
to
pay
attention.
P
You
are
the
fiduciary
responsibility
of
our
city,
and
it
has
been
too
long
that
there
have
been
too
many
mistakes
that
no
one
is
paying
attention
to,
starting
with
the
peg
feast,
so
you
claimed
that
no
one
was
tracking
the
peg
fees.
However,
the
nine
hundred
thousand
dollars
that
were
moved
do
not
match
what
your
audit
report
for
that
year
said.
So
there
has
to
be
a
correction
down
there.
P
H
P
P
Some
of
the
treasures
were
open
with
resolution.
The
ones
that
were
closed
I
never
saw
a
resolution
for
the
ones
that
were
closed,
so
half
of
them
are
half
of
them.
Aren't
again.
We
just
need
a
policy,
so
I'm
advising
you
to
continue
this
conversation
so
that
this
is
clearer
area
of
conversation,
because
when
the
controller's
office
doesn't
know,
a
bank
account
has
been
closed,
there's
a
lot
of
questions
and
a
lot
of
mistakes
that
can
happen
in
that
process.
So
that's
just
one
advice
that
I
have
for
the
council.
P
Members
with
regards
to
the
responsibilities
of
each
department.
Again
read
the
duties
of
the
controller's
office.
Read
the
duties
of
the
treasurer's
office.
There
needs
to
be
Clarity
on
who's
responsible
for
what
what
tasks
they're
responsible
for
and
who
gets
to
make.
The
final
call
with
regards
to
those
decisions,
I
advise
you
to
give
advice
to
the
administration
and
to
your
elected
official
and
your
appointed
controller
on
how
to
run
those
some
of
the
issues
that
I
have
found
again.
P
P
With
regards
to
the
dormant
account
being
closed
again,
I
haven't
seen
a
policy
that
allows
dormant
accounts
to
be
closed
without
Council
approval.
Be
careful
I
encourage
you
to
pass
a
resolution
at
the
next
council
meeting
we
had
proposed
originally
to
do
phase
one
by
the
end
of
this
month.
I
encourage
you
to
do
that.
P
So
again,
the
purpose
of
this
study
session
isn't
just
for
you
to
listen
to
the
issues
that
we're
having
but
to
actually
take
action
and
give
direction
to
the
administration.
If
you
don't
start
closing
those
bank
accounts
in
a
timely
manner,
which
I
recommend
that
you
close
phase
one
by
the
end
of
March
phase,
two
by
the
end
of
April
phase
three
by
the
end
of
May,
and
see
how
it
goes.
P
But
if
you
don't
close
them
in
a
timely
manner,
then
we're
going
to
need
to
request
additional
staff
in
both
departments,
because
the
current
system
is
extremely
manual
and
extremely
time
consuming,
and
it
has
so
many
errors
in
it
that
that's
what
you're
spending
all
of
your
time
on
so
again
choose.
Where
do
you
want
to
spend
your
money
paying
plant
Moran
to
fix
all
these
issues
or
closing
the
account
so
that
there
are
no
issues.
C
P
C
P
D
D
Okay
and
and
it's
time
that
we
step
up
and
and
do
this
okay,
so
I
think
Council
has
the
last
decision
on
this
and
I
believe
a
motion.
I,
don't
know,
I
think
we
have
to
do
a
resolution
to
get
this
ball
rolling
by
Tuesday.
This
is
by
next
Tuesday.
We
need
to
have
it
at
the
at
the
clerk's
office
no
later
than
I
would
say
Thursday
early
morning.
D
D
D
H
Gotta
have
it
so
we
can
vote
on
yes,
I
agree,
but
before
doing
so,
I
think
the
councilman
said
it
right.
I
would
like
this
to
go
in
front
of
our
Corporation
Council.
Give
us
the
legality
of
everything,
because
we're
not
just
gonna
make
a
resolution
without
the
support
of
our
Corporation
Council.
So
if
you
want
to
refer
that
to
corporations,
you
know,
but.
E
C
H
Know
you
know
the
experts
and
then
we're
going
to
go
with
the
recommendation
of
the
experts
under
you
know
the
you
know.
We
want
to
make
sure
that
for
the
Legacy
and
making
sure
that
we're
following
the
charter,
because
that's
the
most
important
at
the
end
of
the
day-
is
that
we're
following
the
charter
and
then
we
can
go
forward
from
that.
Thank
you.
Okay,
Brian.
A
That's
that's
right,
yeah!
Thank
you,
okay.
So
at
this
particular
point
during
a
study
session,
the
council
has
no
obligation
to
have
any
public
comments,
but
I
am
going
to
allow
public
comments,
but
I'm
asking
everyone
in
the
audience
that
would
like
to
speak
or
on
Zoom
no
problem.
We
will
let
you
speak,
but
you
got
to
stay
respectful,
no
name
calling
no
yelling,
no
screaming
the
whole
time.
M
A
Two
minutes:
okay,
you
will
ask
your
question:
you'll
have
somebody
to
be
able
to
answer
it
for
you,
it
depends
on
who
you're
asking
the
question
to
I
would
like
to
ask
the
members
of
the
council
during
this
meeting
and
during
regular
Council
meetings
when
somebody's
making
a
comment
special
on
agenda
items.
Don't
answer
back.
This
is
not
a
back
and
forth
type
of
thing.
A
If
somebody
comes
up
to
the
audience
right
now
and
has
has
a
specific
question
to
a
specific
person,
we
will
have
that
person
get
up
and
ask
but
again
I'm
all
for
freedom
of
speech.
You
can
say
or
ask
whatever
you
want,
but
just
stay
respectful,
please
otherwise.
I'll
have
no
choice
but
to
ask
you
to
leave
at
that
particular
point.
So
please
don't
force
me
to
do
that.
Thank
you.
Anybody
in
the
audience
that
would
like
to
get
up
and
speak
come
on
up.
Q
Dearborn
Heights
wine
company,
whatever
you
want
there,
you
go
just
to
respond
to
my
friend,
councilman
Mumbai,
Dune,
I,
recall,
I
did
not
say
the
city
is
broke,
I
did
not
say
anything
of
that
kind.
I
asked
the
treasurer.
If
we
take
all
the
restricted
funds,
does
she
have
money
to
make
the
payroll
until
June?
Q
She
said
no
and
I
asked
for
City
Council
in
the
administration
and
that's
what
I
said
to
take
money,
move
money
from
some
place
else
to
make
sure
that
you
have
enough
to
make
the
payroll
or
move
money
from
the
arpa
which
you
are
allowed
what's
left
of
it
around
probably
I
would
say
seven
million
dollars
to
make
the
payroll.
Those
were
my
my
words.
You
can
go
back
and
check
what
I
said.
Q
The
it's
online
I
did
open
One
account
when
I
was
in
the
treasurer's
office
after
I
called
the
president
and
the
vice
president
of
the
council
and
two
other
members,
and
they
asked
me
to
go
ahead
and
move
nine
hundred
thousand
dollars
and
for
the
first
time
in
the
history
of
the
city,
I
invested
eight
hundred
thousand
dollars
and
they
made
one
thousand
dollars
interest
which
went
back
to
the
pack.
The
interest
on
the
peg,
never
ever
ever
in
the
history
of
the
city,
was
credited
back
to
the
peg
account.
Q
R
Q
Take
my
little
two
cents,
you
know,
and
maybe
that
will
help
there
are
lots
of
mistakes
happened
through
the
treasurer.
The
treasurer
receive
the
money
through
the
window.
At
the
end
of
the
day,
each
teller
they
make
a
report.
That
report
is
reviewed
by
the
the
deputy
of
the
treasurer.
Then
it
goes
to
the
treasurer
to
make
sure
that
everything
is
correct.
If
a
mistake
happened,
that
should
be
corrected.
I
don't
think
there
is
any
intentional
misleading
or
any
fraud
or
anything
God
forbid.
Q
H
Just
I
just
want
to
respond
to
one
thing:
Council,
Jeff,
that's,
okay,
okay,
and
what
I
stated
was
I
didn't
say
you
said
the
city
was
broke.
What
I
said
was
that
I'd
be
at
an
event,
and
somebody
approached
me
and
said:
hey:
why
am
I
hearing
that
the
city
is
broke?
I
know
you
never
said
that
and
I
what
I
was
referencing.
Was
you
and
her?
Okay?
Thank
you.
R
Rachel
Lapointe
Merrick,
Street,
Dearborn,
Heights
I
think
this
is
a
great
Concept
in
general.
It's
a
lot
like
how
I
do
my
family
budget
we've
got
an
awesome
program.
All
the
money
is
in
one
account
and
then
I
just
separate
it
all
out.
It's
very
much
I
think
normal
accounting
I
think
most
people
can
understand
that
I
will
say.
I
did
some
quick
Googling
the
state
of
Michigan's
accounting
manual,
best
practices,
kind
of
thing.
R
Those
Bank
reconciliations
should
not
be
done
by
someone
who
handles
the
money
so
that
in
our
city,
that
would
mean
the
Comptroller
is
responsible
for
the
reconciliations
based
on
what
the
treasurer
gives
her.
So
it
sounds
like
that's
where
we're
headed
it
sounds
like
it's.
It's
going
to
be
good,
I
love
it
I
did
want
to
ask
to
help
build
trust
with
the
residents.
R
R
It's
a
couple
months
until
the
new
fiscal
year,
I'm
just
gonna,
do
it
and
then
come
the
new
fiscal
year
nobody's
even
going
to
notice
because
it's
going
to
all
wash
out
in
the
end
right
and
how,
as
a
as
a
city,
especially
I,
think
our
Treasurer
as
our
elected
official
kind
of
in
this
department?
How
are
you
planning
on
communicating
these
things
to
the
public
on
a
broader
base,
maybe
on
the
website?
Something
like
that?
R
F
I'm
happy
to
answer
that
and
those
are
great
suggestions.
Currently,
the
quarterly
investment
report
is
something
that
does
come
before
the
council
body
and
so
that's
public
information.
Okay,
that
includes
all
Investments,
including
the
J
funds.
Morgan
Stanley
and
Flagstar
I've
gone
to
a
monthly
reporting
so
as
well,
which
I
have
and
they're
not
cards,
it's
actually
a
yes
spreadsheet.
You
guys
received
it
no
card
so
with
that
I'm
more
than
happy
to
make
that
information
available.
F
As
far
as
like
you
know,
no
bank
account
numbers,
of
course,
but
I
can
certainly
tell
you
what
you
know
what
was
the
beginning
statement.
What
was
the
outflows?
What
were
the
inflows?
What's
the
ending
which
I
already
provide
to
the
council
body
monthly
and
that's
required
by
the
city
Charter,
so
I'm
happy
I
mean
I'm
happy
to
do
that.
I.
Think
it's
a
great
idea!
Thank.
I
Q
J
J
J
There's
a
question
that
people
want
to
know:
why
is
there
42
bank
accounts
so
44?
What's
it
called
40
bank
accounts
open
for
what
reason
take
all
those
bank
accounts
keep
the
commercial
bank
accounts
open
the
water
one,
the
tax
one
and
combine
it
all
together.
Dearborn
has
five
okay
and
they
have
more
residents
than
you
give
Five
bank
accounts
same
thing
as
Dearborn,
because
you
guys
are
smaller
in
a
place
and
I'm
asking
that
if
she
wants
to
use
index
cards,
nobody
uses
index
cards,
she
does
use
in
the
next
question.
J
J
J
J
Accept
it,
but
all
I'm
trying
to
say
is
this:
what's
going
on
in
the
city
this,
this
is
unbelievable.
You
guys
don't
even
know
how
much
money
you
have
I
think
you
guys
should
file
a
motion
as
of
today
or
whatever
and
say
we're
only
having
Five
bank
accounts.
That's
it
because
this
is
unacceptable.
Nobody
should
sit
there
and
have
this
money.
Bank
accounts,
open
and
I
think
that
every
three
months
you
guys
should
follow
up
see
what
the
status
is.
How
many
bank
accounts
did
she
close,
because
this
is
unbelievable?
J
F
F
N
A
F
And
I
have
a
lot
of
respect
for
John
Riley.
He
liked
paper.
He
had
Paper
Trails,
he
had
a
system,
he
had
a
process
that
worked
for
him,
okay
for
26
years,
but
we
need
to
update
that
system.
We
need
to
refine
the
process.
We
need
to
be
more
efficient,
which
is
what
we
all
agree
on
already
now
the
card
system
I'm
going
to
tell
you
where
it
came
from.
Whoever
wants
to
know
that
was
something
that
Mr
Riley
did
absolutely
but,
sir,
you
know
what
I
will
give
you
my
statement
right
here.
A
E
A
N
N
Then,
if
you
remember
I,
don't
know
if
any
of
you
remember,
but
every
time
we
turned
around
when
Mr
peleco
was
mayor,
he
was
opening
bank
accounts
left
and
right
hoped
didn't
account
for
this
opening
account.
For
that
account.
For
this
I
mean
no
wonder:
we've
got
so
many
accounts,
it's
not
hard
to
believe.
N
Every
time
we
turned
around,
it
was
something
being
open
and
Mr
or
any
of
the
council
members.
If
you
were
paying
attention,
John
Reilly
always
did
say
that
we're
getting
into
this
time
of
year,
where
the
money's
getting
thin,
but
as
soon
as
we
get
into
the
tax
rolling
season,
we're
going
to
have
our
money
back
right,
so
bear
with
them
and
give
them
time.
So
those
are
my
my
questions.
I'm
concerned
about.
You
know
how
the
blank
block
grant
money
is
going
to
be
taken
care
of
and
the
Tifa
Hannah
Brownfield
monies.
A
B
So
it's
really
no
different
than
anything
else.
It's
not
a
matter
of
safeguarding
the
cash.
It's
a
matter
of
the
budget,
so
you
start
the
year
with
so
much.
You
know
that
you're
approved
to
get
so
much
from
the
federal
government
for
for
cdbg,
and
you
have
approved
so
much
in
the
way
of
expenses.
So
it's
not
a
question
of
that
money
and
cdbg.
It's
a
reimbursement
based
grant,
so
you
spend
the
money
and
then
the
feds
repay
you
so
I
don't
have
any
concerns
that
do.
B
A
K
N
C
K
But
a
song
John
Daly
Dearborn
Heights,
a
few
questions
to
the
treasurer
street
name:
I'm,
sorry,
I
did
I,
said:
John,
Daly,
okay,
few
questions,
how
many
assistants
for
anybody
in
her
office
or
actual
accountants
or
financial
advisors,
or
anything
like
that,
I'd
like
to
have
an
answer
for
that
once
I'm
done.
Secondly,
is
all
this
hundreds
of
thousands
of
dollars
that
the
treasurer
is
investing?
Who
has
oversight
over
that
I
mean
what
Financial
background
does
she
have
for
Investments
I
mean
when
we
invest
on
in
stocks?
We
go
through
advisors.
K
We
go
through
a
firm
as
console
get
in
any
information
about
these
investment
or
the
residents.
This
is
our
money,
or
do
we
know
what
type
of
Investments
they
are
like?
Like
you
said,
your
Investments
are
high
risk
and
there's
no
guarantee
to
the
bank's
money
because
the
economy
can
collapse
tomorrow.
No
one
knows
is
there
oversight?
Is
there
accountability
on
that?
Is
there
any
incentives,
or
is
there
any
Kickbacks
to
that
I
mean?
K
K
Also,
last
and
not
least,
is
honestly
I
just
want
to
know
what
qualifications
does
she
have
in
the
financial
business
tooc,
tens
and
tons
of
of
millions
of
dollars
in
the
city
and
most
important
is
our
investments,
what
our
Returns
on
them,
where
are
they
from
and
who's
who's
guiding
her
to
it?
Thank
you.
Okay
would.
F
You
stay
here,
so
I
can
go
through
that
entire
list.
Okay,
so
first
of
all,
I
do
have
my
certified
Advanced
Certified
Public
Finance
investment
manager,
which
is
through
the
association.
Excuse
me
if
I
can
finish
without
interruption.
Association
of
public
Treasures
of
the
United,
States
and
Canada,
so
we'll
be
earning
in
April.
My
Michigan
certified
public
treasurer's
certification
from
Michigan
Municipal,
Treasures,
Association
I've
also
completed
four
Harvard
certified
certifications,
including
excuse
me,
Harvard,
hey.
F
Including
one
of
them
Finance
accounting,
however,
I
will
remind
you
that
the
position
of
treasure
is
an
elected
position.
The
only
requirement
is,
you
need
to
be
18
years
of
age
to
be
a
resident
of
the
city
of
Dearborn
Heights
and
be
a
registered
voter.
So
therefore,
there's
nothing
required
and
we
could
say
the
same
thing
of
just
somebody
in
the
you
know
a
different
office
have
this
degree
or
that
degree
the
answer
is:
no.
They
do
not
so
now.
Your
question
regarding
Investments
I,
just
told
you
my
qualifications
for
investment
management.
F
However,
I
will
also
tell
you
I
already
told
you
earlier
today
that
I
worked
with
Morgan
Stanley
I,
don't
know
if
we're
maybe
doubting
their
credibility.
I,
don't
know
I'm,
pretty
sure,
they're
very
good
at
what
they
do
and
we
also
make
sure
our
investments
require
and
meet
the
public
act
20..
That
is
the
investment
management
strategy,
Public
Act,
okay,
so
we're
in
compliance
with
that
and
that
is
very
safe.
Oh
I
do
want
to
address
one
more
thing
if
I
make
what
happened.
I
don't
want
to
talk
about
that.
F
Thank
you,
sir,
for
reminding
me
so
that
was
hold
on
I
was
elected
in
November
of
2020.
and
they
came
to
me,
including
the
mayor,
and
this
gentleman
and
I
had
been
in
office
about
maybe
three
or
four
months,
and
they
were
talking
to
me
about
a
permit
and
some
kind
of
Scandal
with
the
building
department.
I
believe
it
became
some
kind
of
legal
issue
and
what
I
did
excuse
me.
Please.
A
F
So
again,
what
I
did
as
a
courtesy
is
I
looked
and
I
had
her
staff
on
two
different
occasions
which
took
about
two
and
a
half
to
three
hours.
Each
time
look
for
the
building
permit
the
copy
that
we
keep
in
the
treasurer's
offices
back
up
to
the
building
department.
We
could
not
find
it,
and
so
with
that
being
said,
that's
what
I
could
not
find
I
never
talked
about
where
it
goes,
because
building
permits
go
into
general
fund.
F
So
with
that
being
said,
that
was
never
something
that
came
across
what
I
said
and
and
I
said
to
the
gentleman
and
I
called
you
several
times
and
have
emails
as
well.
That
I
said
you
need
to
present
the
copies
of
the
checks,
the
canceled
checks
and
hold
on
hold
on,
because
we
didn't
have
record
he's
saying
we
I
deserve
a
refund,
but
there's
no
record
so
therefore
present
your
check,
so
we
can
prove
the
record
and
authenticate.
However,.
E
I
A
S
Guys
guys
guys
that's
a
gentleman
speak
God,
Ahmad,
Falls,
Harriet
Street,
just
real
quickly,
I
like
how
this
meeting
is
being
run
today,
it's
actually
a
lot
better
than
it's
been
in
the
past,
so
good
job.
You
know
with
that.
That
being
said,
last
meeting
in
this
meeting,
I've
heard
several
things
that
just
are
not
they're
not
sitting.
Well
with
me,
the
last
meeting
the
treasurer
stated
up
here
and
we
can
go
back
and
look
at
it
saying
there
is
only
28
bank
accounts.
S
Today
we
were
presented
with
with
plant
Moran
and
the
Comptroller
and
I
think
everybody
here.
Nobody
disputed
that.
There's
44
accounts
out
there
or
40..
So
you
know
I'm
wondering
you
know:
are
we
just
making
things
up
as
we
go
along
or
do
we
really
not
know?
What's
there
I
it's,
it's
not
I'm,
not
saying
that
you're
making
anything
up.
I'm.
Just
saying
do
we
know
or
do
we
not
know?
S
I,
don't
understand
how
the
treasurer
is
going
to
stand
up
here
with
the
administration
here
with
corporate
council
with
the
city
council
and
say
that
he
didn't
turn
it
in
when,
in
fact
now,
Mr
Saab
bring
the
bring
the
check
back
and
let's
see,
if
she's,
telling
the
truth
again,
because
if
it
shows
that
she's
not
telling
the
truth
again
that
man
of
Treasurer
you
need
to
resign
and
we
need
to.
We
need
somebody
up
here.
S
That
does
understand
the
business
and
knows
what
they're
doing
I
understand
that
you
know
Council
chair
and
some
of
the
council
members
do
have
Finance
backgrounds.
They
asked
you
legitimate
questions
and
they,
you
did
not
give
proper
answers
and
now
we're
going
back
and
we're
looking
at
things
that
you're
either
misstating
deliberately
or
you
just
don't
know
it.
So,
whichever
one
it
is
I'm
not
comfortable
with
you
handling
the
city's
money.
Okay,.