9.0. EDSR 02-14-1994 •
CITY OF ELK RIVER
ECONOMIC DEVELOPMENT DEPARTMENT
1993 ANNUAL REPORT
•
•
ECONOMIC DEVELOPMENT AUTHORITY
• COMMISSIONERS AND STAFF
The Economic Development Authority for the City of Elk River (the EDA) is comprised
of the five members of the City Council and two non-elected residents of the community.
The terms of the Commissioners coincide with the terms of office as members of the City
Council - except for the two non-elected residents whose terms on the EDA are for six
years.
At its annual meeting on January 8, 1993,the EDA Commissioners elected the following
slate of officers:
President- Jeffrey Gongoll (term expires 12/31/93)
Vice President- Patrick Dwyer(term expires 12/31/97)
Treasurer- Roger Holmgren(term expires 12/31/94)
Secretary -Larry Farber(term expires 12/31/96)
Assistant Treasurer-Hank Duitsman(term expires 12/31/94)
The remaining Commissioners are:
• John Dietz(Term expires 12-31-94
Cecilia Scheel (Term expires 12-31-96)
The EDA also reappointed City Administrator Patrick Klaers as its Executive Director at
the annual meeting.
The EDA maintains three Committees: Finance, Marketing, and Research and
Development(R& D). The Committees are comprised of the following members:
RESEARCH&
FINANCE MARKETING DEVELOPMENT
Lloyd Brutlag Elaine Anderson Cliff Lundberg
Bud Houlton Jerry Hagen Carol Mills
Jim Simpson Brian Moran Larry Toth
Bill Birrenkott Rod McArdle Dick Gongoll
Tom McNair Mike Leary John Oliver
Paul Ammerman
Don Heinzman
•
• HOUSING AND REDEVELOPMENT AUTHORITY
COMMISSIONERS AND STAFF
The Elk River Housing and Redevelopment Authority (the HRA) is comprised of five
members who are appointed to five year terms:
NAME TERM EXPIRES
Richard Hinkle, Chair 12/31/97
Duane Kropuenske, Vice Chair 12/31/96
Larry Toth, Secretary 12/31/94
Hank Duitsman 12/31/95
Gene Schuldt 12/31/93
At its annual meeting on January 9, 1993, the HRA elected the following slate of officers:
Chair,Richard Hinkle
Vice Chair, Duane Kropuenske
Secretary, Larry Toth
STAFF AND CONSULTANTS
•
Bill Rubin serves as the City's Economic Development Coordinator and is the staff
liaison to both the EDA and HRA.
The law firm of Larkin, Hoffman, Daly, Lindgren, Ltd.,provides legal counsel on
economic development issues.
Lori Johnson is the City's Finance Director and is responsible for financial summaries on
fund balances and supplemental loans.
Sandra Thackeray is the City's City Clerk; she is responsible for the preparation of
HRA/EDA minutes. In addition, she maintains files and records for the HRA and EDA.
TAX INCREMENT FINANCING PROJECTS
On March 8, 1993, the Elk River City Council approved the Tax Increment Financing
Plan for Tax Increment Financing District No. 9 as proposed by the EDA. District No. 9
is a three-parcel district comprised of Lots 1, 2, and 3, Block 2, Elk River Industrial Park
2nd Addition. This district was created in support of the expansion of Tescom
Corporation's high purity division. Tescom subsequently expanded on Lots 2 and 3,
Block 2. Tescom Corporation received $153,000 in TIF assistance to support its
• expansion project. A production and office facility containing 28,000 square feet was
constructed on Lots 2 and 3. The project has a finished market value of$1,200,000 and
was completed in December, 1993.
There were two modifications to the TIF Plans for TIF Districts No. 1 and No. 3 during
1993. On August 2, 1993, the Elk River City Council approved a budgetary amendment
to these plans which authorized the expenditure of $177,000 to assist with the public
library expansion. On August 16, 1993, the City Council approved a$50,000 amendment
to Plans No. 1 and No. 3 to support a redevelopment project at Main Street and Freeport
Avenue. The redevelopment project was proposed by Mr. Dennis Chuba of the Chuba
Company. This project, a five-suite office townhouse containing 8,900 gross square feet,
was a continuation of a 1992 three-suite office townhouse redevelopment project. The
1993 project will have a finished market value of$565,000. The $50,000 TIF assistance
will be used to reimburse the developer for costs associated with demolition, site
preparation, and onsite utility extensions. The Elk River HRA agreed to fund 50% of
these costs, up to a maximum of$25,000 - thereby reducing the City's obligations from
$50,000 to a maximum of$25,000.
Construction activities affecting two other TIF Districts were completed during 1993. A
23-unit senior housing project financed through Farmers Home Administration (FmHA)
was completed in April, 1993. TIF District No. 10 was created for this project, which
• has a finished market value of$800,000.
Timron Precision Gear completed the construction of an 11,000 square foot office and
production facility on Lot 1, Block 1, Elk River Industrial Park during 1993. TIF District
No. 11 was created to support this project. The finished market value of the Timron
facility is $350,000.
INDUSTRIAL REVENUE BOND
On May 18, 1993, closing was held on a $1,500,000 industrial revenue bond (IRB) that
was issued by the City of Elk River in 1992 to support the Tescom Corporation
expansion project. Proceeds from the IRB were used by Tescom Corporation to construct
and equip a 28,000 square foot manufacturing facility for its high purity division. In
addition, a small amount of the IRB will be used by Tescom to remodel a portion of its
34,000 square foot facility.
This IRB was issued almost one year before its closing. This was due to the June 30,
1992, sunset provision which precluded cities and states from issuing IRB's in support of
manufacturing projects and housing related initiatives. In late 1993, Congress granted
IRB's a permanent extension, thereby giving cities and states the ability to issue them
once again.
•
DTED FEDERAL BLOCK GRANT
.
In October, 1992, the Department of Trade and Economic Development (DTED) advised
the City of Elk River that it would award a $250,000 federal block grant to support the
28,000 square foot Tescom Corporation expansion. The grant is intended to leverage
private financing and local incentives in support of an expansion. The grant must meet
one of three federal objectives:
a. benefit to low- and moderate-income (LMI)persons;
b. prevention or elimination of slums and blight; or
c. alleviation of urgent community development needs.
The City of Elk River intended to use the proceeds of the grant award as a low-interest
loan to Tescom to assist it with the purchase of additional machinery and equipment
necessitated by the expansion of its high purity division. Tescom proposes that it will
create 45 new, permanent jobs as a result of this expansion. Many of these jobs will
benefit LMI persons and families.
Closing on the block grant loan to Tescom occurred on May 18, 1993. According to a
semi-annual progress report on the DTED loan, Tescom had created 34 new jobs as of
December 31, 1993.
• EDA MAIN STREET REDEVELOPMENT SITE
As 1993 began, the EDA was approaching the expiration of an exclusive option it had
extended to REP, Ltd., of Elk River. The option expired on January 11, 1993, and REP
did not request another extension.
Subsequently, Mr. Chris Bulow of the Bruce Company expressed an interest in the
redevelopment site. An exclusive option was granted to the Bruce Company. Mr. Bulow
is proposing that Kurt Kjellberg/Kjellberg's Carpet and Interiors construct a two-story
12,000 square foot retail facility on the Main Street site. Kjellberg's Carpet, which was
recently awarded a Carpet One franchise, would occupy the 6,000 square foot level at the
street grade. The lower level would be leased to other retail/office/commercial users. On
October 11, 1993, the Elk River EDA considered a request by Kjellberg's Carpet for tax
increment financing assistance. The EDA approved the TIF Plan for TIF District No. 12
following a public hearing on November 15, 1993. The City Council delayed its public
hearing until December 13, 1993. No action was taken following the hearing. On
December 20, 1993, the City Council denied the TIF request but agreed to reconsider it at
a meeting scheduled for January 10, 1994.
MHFA MORTGAGE PROGRAM
•
In April, 1993, the EDA made application to the Minnesota Housing Finance Agency
(MHFA) for an allocation of first time homebuyer funds known as the Minnesota City
Participation Program (MCPP). Elk River's $1,500,000 request for mortgage funds was
reduced to $974,242. Under the program, the mortgage funds are used to assist first time
homebuyers with the purchase of new or existing homes. To qualify for the 1993 funds,
an applicant's adjusted income cannot exceed $39,680 and the maximum purchase price
cannot exceed $95,000 (new construction) or$85,000 (existing homes).
Because of the 1992 sunset provision which prohibited cities and states from issuing
revenue bonds for this purpose, the MCPP program was delayed until the fall of 1993.
The program's initial interest rate on 30 year mortgages is 6.25% (7.033 APR).
MICRO LOAN FUND
The balance of the EDA's micro loan fund as of January 1, 1993, was $199,741.75
(excluding December, 1992 interest). The year end balance was approximately
$118,541.30 (excluding December, 1993 interest). Five loans were closed in 1993:
Business Name Loan Amount
Coldwell Banker Allegiance $ 27, 500
STescom Corporation $ 50,000
Indy Lube $ 24,700
R& D Sales $ 17,500
Beaudry Convenience $ 50,000
Two other loans were approved during the year but will be closed during 1994. These
include a $15,000 loan to Water Laboratories and an $18,750 loan to Woodsmen Quality
Products.
Including the DTED loans, the EDA currently has thirteen loans outstanding. The
original principal balance of these loans was $1,367,200. Total principal outstanding on
these loans as of December 31, 1993, is $1,210,294.43. Of this amount, DTED will
receive $500,000 (Alltool: $100,000; Roma Tool & Plastics: $400,000). Attached as
Exhibit A to this report is a summary of loans currently outstanding.
ECONOMIC DEVELOPMENT NEWSLETTER
The EDA continued publishing a newsletter on economic development issues during
1993. The newsletter is mailed to approximately 1,500 persons and companies associated
with real estate development, construction, design, and sales. This mailing list was
developed by City staff and was obtained primarily through accessing certain
4111 professional real estate associations.
• DEMOGRAPHIC STATISTICS
City staff updated a number of demographic statistics that were presented in the form of a
booklet. The demographic information contains topics such as population estimates,
housing estimates, residential construction value, commercial and industrial construction
value, retail sales, and an estimate of effective buying income (disposable income).
NOVELTY MARKETING PROJECT
Another novelty marketing item was developed during 1993. The marketing item
consisted of a plastic "thumb puz7le" that pictured the Elk logo in the middle of the
puzzle. The puzzle was affixed to a placard that asked the question, "Puzzled about
expansion opportunities?".
The novelty puz7le was mailed to approximately 500 companies - half of which were
small manufacturers; the other one-half were persons involved in real estate development.
ADVERTISING
Marketing and advertising activities continued during 1993. Newly revised display ads
were placed in the Minnesota Real Estate Journal, Business Media, and Minnesota
• Ventures magazine.
STAR CITY RECERTIFICATION
The City of Elk River was once again recertified by the Department of Trade and
Economic Development(DTED)under its Star City program. The 1993 recertification
consisted of an on-site visit from DTED. Assisting city staff with this presentation was
Richard Hinkle (Chair, Elk River HRA), Jackie Schuelein(Executive Vice President-
Area Chamber of Commerce), and Paul Ammerman(member- EDA Marketing
Committee).
BUSINESS PARK TASK FORCE
In May,the EDA established a Business Park Task Force comprised of members of the
EDA, City Council, EDA R&D Committee, and Area Chamber of Commerce. Patrick
Dwyer, EDA Vice President, agreed to Chair the Task Force. This group met throughout
the balance of the year and examined the existing inventory of industrial sites, potential
sites for future parks, development options, financing alternatives, and funding sources.
The Task Force found that the private sector is generally unwilling to develop large tracts
of property for industrial parks. As a result,the EDA may likely acquire, improve, and
sell industrial sites in the to new or expanding companies. To assist with this endeavor, a
presentation was made to the City Council on October 11, 1993. The City Council
agreed to authorize up to $400,000 in TIF funds from Districts No. 1 and No. 3 for
• purposes of acquiring industrial sites in the community.
Following a discussion with local utility companies,the EDA requested that Anoka
Electric Cooperative (AEC) participate in an application to the Rural Electrification
Administration (REA) to help underwrite a portion of the infrastructure costs associated
with an industrial park/business park. After a presentation to AEC managers, the Task
Force learned that it would receive AEC's participation in this request. An application to
REA will likely be completed in early to mid 1994.
The EDA Task Force also considered a"business park" concept that would encourage a
mixed-use of light industrial, office, and limited commercial within the same area. The
business park would require higher architectural standards for these end users. The Task
Force and city staff developed a new set of standards and presented them to the Planning
Commission for its consideration. Following a public hearing,the Planning Commission
recommended that the City Council adopt an ordinance related to the business park
standards.
INDUSTRIAL COUNCIL
Owners and managers of Elk River industrial companies continued meeting informally as
an Industrial Council during 1993. This is done in an effort to share resources and
• resolve common problems. The group conducted a lunch session dealing with the topic
of sexual harassment; it examined the topic of Total Quality Management(TQM); and it
hosted a morning meeting with U.S. Congressman Jim Oberstar. This meeting was done
in conjunction with the Area Chamber of Commerce.
MSA DESIGNATION
In December, 1992, the federal Office of Management and Budget(OMB) designated
Sherburne County as part of the Minneapolis-St. Paul Metropolitan Statistical Area
(MSA). While warmly received by Elk River and surrounding communities and health
care providers,this designation was less well received by the City of St. Cloud. A small
portion of St. Cloud, containing 5,500 persons, is located in Sherburne County. OMB's
designation effectively reduced the St. Cloud MSA from a three county area(Sherburne,
Benton, and Stearns),to a two county area(Benton and Stearns). In addition, the 5,500
persons in St. Cloud that are also residents of Sherburne County were now considered
part of the Minneapolis-St. Paul MSA. This led to an ongoing series of meetings
resulting in a request to have both Benton and Stearns counties included in a
Consolidated Metropolitan Statistical Area(CMSA).
In late December, 1993, OMB reversed its earlier decision and designated Sherburne
County as part of the St. Cloud MSA. This action results in lower mortgage insurance
• limits and lower health care reimbursements for providers like Guardian Angels of Elk
River, Inc., and St. Benedict's Center. This recent decision will not be finalized until it is
• published in the Federal Register tentatively scheduled for June 1994.
PARKING LOT IMPROVEMENTS
The HRA participated in two parking lot improvements in 1993. The Jackson Square
parking lot was upgraded with additional parking stalls as was the former railroad
property at Jackson Avenue and U.S. Highway 10. The HRA agreed to pay for these
costs.
CERTIFIED DEVELOPMENT COMPANY
The concept of a Certified Development Company (CDC)to serve the City of Elk River
and/or Sherburne County received a great deal of attention in 1993. CDC's obtain its
designation from the Small Business Administration (SBA)which gives the organizations
the ability to access SBA fixed-asset financing programs. The primary financing tool of a
CDC is the SBA 504 loan program.
Rather than create a new CDC, a relationship with an existing company was explored.
Discussions were held with the Coon Rapids Development Company - a CDC that is
active in SBA loans in Anoka County. Under the proposal discussed with Coon Rapids,
it would expand into Sherburne County, and, in consideration for numerous cities and
• organizations in the county purchasing stock, it would rename itself to reflect a multi-
county organization. When this did not occur, new discussions were held with Twin
Cities-Metro CDC. This organization operates in six of the seven metropolitan counties
and had expressed an interest in expanding into Sherburne and Wright counties. With the
absence of a resolution of support from the Sherburne County Commissioners, neither the
Coon Rapids Development Company, now renamed Central Minnesota Development
Company, nor Twin Cities-Metro can expand into Sherburne County.
State legislation was approved in 1993 which resulted in the creation of a public
organization known as Minnesota Business Finance, Inc. (MBFI). This organization is
the former statewide OMNI which processes 504 loan requests throughout Minnesota.
MBFI has since been relocated to St. Cloud and is operating there. In the absence of a
local CDC, 504 loan requests will be processed by MBFI.
VIDEO PRESENTATION
In July, EDA Commissioners authorized the preparation of a video presentation on Elk
River. The video is intended for use as a recruitment tool for new and expanding
companies. It will also provide a broad overview of Elk River to newcomers, etc.
The contract for the video project was awarded to Diversified Marketing Resouces, Inc.
• of St.Cloud. Dick Gongoll and JimTralle assisted staff with the development and review
of the script and with the sequencing of various shots.
• REVIEW AND PERMITTING TASK FORCE
Based on comments received from expanding busiesses and d from the Chamber of
Commerce,the EDA created a task force to examine the City's review and permitting
procedures. A group consisting of Pat Dwyer, Jeff Gongoll, Hank Duitsman, Pat Klaers,
and Bill Rubin, were appointed to the task force, which will likely organize itself in early
1994 for purposes of examig the City's procedures.
•
•
GOALS FOR 1994
• MARKETING
Continue to market Elk River as a growth-oriented community. This will result in the
ongoing distribution of the City's marketing brochure to developers, commercial realtors,
and prospective businesses and industries. The EDA-City video presentation will also be
distributed to a network of local utility companies, lenders, realtors, etc. Another novelty
marketing item will be developed for distribution in 1994,too.
ADVERTISING
Continue periodic advertising in publications such as Minnesota Real Estate Journal,
Business Media, Minnesota Ventures magazine, etc.
DOWNTOWN REDEVELOPMENT
Work in conjunction with civic groups,the HRA, and prospective businesses in order to
implement redevelopment opportunities in the Elk River Central Business District. Sites
scheduled for improvement may include additional parking areas adjacent to the railroad
tracks (post office area, U.S. Highway 10 and Main Street intersection(former City Hall
site), walking path and observation stands along the riverfront, and additional landscaping
• enhancements).
INDUSTRIAL DEVELOPMENT
A. Elk River Industrial Park- Continue to market the Elk River Industrial Park to
commercial real estate agents, contractors, developers, and area manufacturers.
B. Business Park Task Force - The Task Force will likely finalize sites for one or
more development areas - including property in the western part of the community
for a business park. City staff and Task Force members will develop a master
plan concept resulting in engineer feasibility studies and the request for assistance
for infrastructure improvements needed to make the business park a reality.
STAR CITY RECERTIFICATION
Staff will complete the Star City Recertification as required by DTED in 1994.
•
• INDUSTRIAL COUNCIL
City staff will continue to participate in a liaison capacity with the Elk River Industrial
Council in 1994.
INDUSTRIAL CALL PROGRAM
Staff willcontinue the informal program of contacting Minnesota industries to determine
expansion , relocation, or consolidation programs.
ECONOMIC DEVELOPMENT NEWSLETTER
The preparation and distribution of a newsletter that is devoted to economic development
topics in Elk River will continue in 1994.
PERMITTING AND REVIEW TASK FORCE
This Task Force will begin examining the City's permitting and review procedures in
order to develop strategies relative to a customer-friendly environment at City Hall.
COMMUNITY RELATIONS
• The City-EDA, HRA, will also sponsor or jointly sponsor workshops, speakers, forums,
or seminars on topics of interest to specific groups during 1994.
CERTIFIED DEVELOPMENT COMPANY
Staff will continue to explore a potential relatinship with an existing CDC during 1994.
This may result in one or more CDC's expanding into Sherburne County.
LABOR MARKET STUDY
Staff will conduct a study, in conjunction with the Department of Jobs and Training, to
estimate the number of jobs in Elk River. This study will also categorize these jobs into
various sectors- manufacturing, service, retail, etc.
NEW COMMUNITY PROFILE
Work in conjunction with the Area Chamber of Commerce to design and publish a new
"User-Friendly" comminity profile. This publication will replace the existing profile that
is printed by DTED.
•
• LEGISLATIVE ISSUES
Staff will monitor proposed legislation during the upcoming session which may have an
impact on economic development activities.
•
•
EXHIBIT A
ELK RIVER ECOMONIC DEVELOPMENT AUTHORITY
• MICRO LOANS
Loan Loan Interest Term Monthly 12/31/93
Borrower Date Amount Rate (Months) Payment Principal
Anoka Medical Properties 7/1/90 $100,000 8.75% 120 $1,253.27 $74,353.50
Alltool (1) 6/1/89 $200,000 9.00% 120 $2,533.52 $129,959.56
Beaudry Convenience` 12/28/93 $50,000 6.00% 120 $555.10 $50,000.00
Designing Women of Elk River' 2/18/93 $21,500 6.00% 180 $181.43 $20,821.17
2/18/93 $6,000 6.00% 60 $114.30 $5,134.27
Elk River Motel Properties 7/1/90 $32,500 7.00% 65 $377.35 $28,738.80
Indy Lube• 10/28/93 $24,700 6.00% 180 $208.43 $17,379.07
Pomeroy Tool 7/1/92 $25,000 6.50% 180 $217.78 $23,447.23
Pure Steam (2) 7/1/90 $15,000 8.75% 36 $475.25 $0.00
4/1/92 $25,000 3.50% 48 $558.90 $14,491.20
R &D Sales' 12/8/93 $17,500 6.00% 180 $147.68 $17,500.00
Roma Tool (3) 7/1/91 $500,000 10.00% 240 $750.00 $481,658.22
• Second Generation Properties' 11/23/92 $50,000 6.00% 240 $358.22 $48,665.05
Tescom• 5/18/93 $50,000 6.00% 180 $555.10 $48,146.36
(4) 5/18/93 $250,000 4.50% 120 N/A $250,000.00
TOTAL $1,367,200.00 $8,286.33 $1,210,294.43
(1) The City retains the first $100,000 principal plus interest. The remainder is payable
to the State.
(2) Final payment was made on June 1, 1993.
(3) The terms of this loan were renegotiated in 1991; the renegotiated terms are
as listed. Monthly payments increase to $1,000.00 on January 1, 1994.
The City retains the first $200,000 principal plus interest; the remainder is payable
to the State.
(4) The City retains all principal and interest to be repaid.
Tescom has not requested any draws; therefore, the December 31, 1993,
principal balance is $250,000.00.
*Variable Interest Rate.
•
LOANS.XLS
EXHIBIT B
EXPANSION OPPORTUNITIES
1— c
‘abb
Elk River, MN
(612) 441-7420
NOVELTY MARKETING ITEM
•
• PUZZLED ABOUT EXPANSION OPPORTUNITIES?
CONSIDER ELK RIVER:
• Commercial Sites
• Industrial Sites
• Redevelopment Opportunities
• Financing Programs
•
Time To Solve Rating
5 Minutes Genius
10 Minutes Brilliant
20 Minutes Top of the Class
25 Minutes Rising Star
35 Minutes Keep Trying
ELK RIVER, MINNESOTA
(612) 441-7420
•
ity of
Elk'. River
JULY, 1993
TO: COMMERCIAL AND INDUSTRIAL REAL ESTATE AGENTS
RE: ELK RIVER EXPANSION OPPORTUNITIES
By now, we hope you have had an opportunity to solve the expansion "puzzle" .
For those of you who haven' t, the enclosed brochure on Elk River should
be of assistance, It' s loaded with information on expansion opportunities -
ranging from industrial sites to financing options .
e hope you' ll find that Elk River is a growing and resourceful community.
Most of all , we hope you' ll discover that Elk River can help your clients
solve their expansion puzzles .
For more information on Elk River, or, to preview various commercial
or industrial areas, contact the Economic Development Department at
441-7420.
Sincerely,
EDI
Elk River EDA
Enc .
P.O. Box 490 • 13065 Orono Parkway • Elk River, MN 55330 • (612) 441-7420 • Fax: (612) 441-7425
EXHIBIT C
MINNESOTA DEPARTMENT OF
TRADE AND ECONOMIC DEVELOPMENT
',. •
. �,pomic
III
500 Metro Square F.
121 7th Place East
Saint I'aul,Minnesota 55101-2146 USA % ‘,,
May151993
C.
r r.1- 1 1; + t..,, I %� ai��
Mr. Bill Rubin
Star City Coordinator
City of Elk River
720 Dodge Avenue, NW
Elk River, MN 55330
Dear Mr. Rubin:
Congratulations! The City of Elk River has been recertified as a Minnesota Star
City for 1993.
Your community must be very proud of its innovative Economic Development
Team! The goals are the catalyst that propels your City's productive job creation
strategies and enables a bright and promising future for the greater Elk River area.
• The City of Elk River is to be commended for an excellent economic
development effort in 1992. This effort included the creative use of local and state
programs to facilitate industrial, commercial and residential development. Marketing
efforts were directed internally and externally through mailings, newsletters and business
education. The city should also be congratulated for its efforts with the county economic
development effort and the quad-county network.
The 1993 Action Plan is equally aggressive and comprehensive. The successful
completion of the Main Street Redevelopment project will be a real plus for the City and
its downtown businesses. Elk River is well prepared to take advantage of its favorable
manufacturing location.
Should your community need any technical assistance, DTED Regional Star Staff
is available to be of service to you.
Wishing you and your Star Organization continued success.
Sinc• -
,/
,nnifer L. ngh,.
Deputy Commissioner
• V' '''.. ..`
An Equal Opportunity Employer