Agricultural loans and grants discussed 3/5/20


>>REPRESENTIVE IS MOVE YOUR BILL.>>THANK YOU MADAM CHAIR; I MOVE THE HOUSE ABOUT 3739 ELAINE OVER FOR FUTURE CONSIDERATION.>>THANK YOU REP SENT A LETTER HOUSE ABOUT THE 7. 3; 9; IS IN OUR PACKETS NOTHING CAN GO AHEAD. CARE INFORMATION ABOUT BILL. THANK YOU MADAM CHAIR MEMBERS. WE’VE. DISCUSSED MANY TIMES IN THIS COMMITTEE.>>THE CRISIS THAT MANY FARMERS ARE AND CURRENTLY WE KNOW THAT MANY FARMERS ARE IN CRISIS TO DEVELOP MONEY PRICES HIGH INPUT COSTS ON THE WEATHER CONDITIONS. THEIR SERIES OF BILLS THAT HAVE EMERGE FROM FARMERS AND SEEK TO RESPOND TO THIS CURRENT CRISIS. HE’S BILLS INCLUDE MORE MONEY FOR PRIME ADVOCATES ALIGNED FARMERS AND THAT MEDIATION OF PAN AM FLIGHT $100 PER MONTH FEE. OUR PREMIUM FOR MINNESOTA CARE COVERAGE FOR THEIR FAMILY AND IN THIS BILL THAT PROVIDES LOAN FEE GRANTS FOR FARMERS; THE MEDIATION TO ASSIST THEM IN RESTRUCTURING THEIR THROUGH FSA BACKED LOANS. 3500 FARMERS WERE REFERRED FOR MEDIATION. 3500 FARMERS WERE NOT BEING ABLE TO PAY THEIR BILLS AND HAD AT LEAST $15;000 AND THAT IT WAS BEING CALLED BY THE BANK. APPROXIMATELY 1200 OF THOSE FARMERS ENTER MEDIATION. 85% OF THOSE MEDIATIONS WERE SUCCESSFUL; BUT THAT MEANS THAT ABOUT 180 FARMERS. FOR 18180 OF THOSE MEDIATIONS FAILED. SERVICE ADMINISTRATION DATA SAYS THAT FROM 2016 TO 2019 THE FSA IS WITHDRAWN OR TO 9. HOLMES RANGE THE NUMBER FROM 105 TO 155. AND EWING AVERAGE AMOUNT OF THOSE LOANS IS ROUGHLY 350 $1000 EACH OF THE 4 YEARS. THIS BILL COMES FORWARD WITH THE ASSUMPTION THAT THE WITHDRAWN AND THE 9 APPLICANTS AND THOSE FAILED MEDIATION TO BE SERVED BY A PROGRAM WHICH WOULD ELIMINATE CLOSING COSTS AND FEES FOR FARMERS THAT ARE TRYING TO RESTRUCTURE THEIR DEBT AND MOVE THEM INTO FSA BACK LOANS. THOSE FEES ARE ONE 0.5% OF LOAN VALUE AROUND 3;000 TO $5;000 ON AVERAGE. SO NOW THE A 3 TO $5;000 BENEFIT FOR FARM AND MEDIATION LOOKING TO RESTRUCTURE THEIR DEBT. WE THINK THIS IS A CONCRETE WAY RESPONDED THE FARM CRISIS AND HELP MORE FARMERS GET THROUGH THE MEDIATION PROCESS. AND WITH THAT ON OTHER TESTIFY URGED TO COME FORWARD TO THAT. RIGHT IT WILL WELCOME TO THE COMMITTEE. MISTER SERVICE AND SEE IF THEY WANT TO BEGIN. THANK MY NAME IS PAUL SUBSTANCE.>>AND ON THE LIFE OF A FARMER I ALSO WORK WITH THE PLANT’S FUTURE PROJECT I’D LIKE TO MAKE 2 PIECES AVAILABLE TO THE COMMITTEE. I JUST THE MONEY ONE OF THESE PIECES THAT THEY FARM CRISIS STATEMENT THAT ARE GOING TO PUT TOGETHER WITH OUR MEMBERS. ANOTHER IS A GRAY YEAH AND A LOOK AT THE HERE IN UP BEARING DOWN COMPARING NOW TO BACK IN 1986 WHEN WHEN THE WHEN THE FARM CRISIS WAS THAT A HEIGHT ACTUALLY STARTING 84; BUT LET THAT PLAY SHOULD HAPPEN IN 1986. THIS MORNING LIKE A LEGAL CONTEXT FOR THIS BILL AND THAT’S A AS IT RELATES TO THE FARM CRISIS STATEMENT THAT OUR ORGANIZATION. WORKED ON WE DEVELOP WITH 40 REMEMBERS HEALTH SERIES ABOUT 6 OR 7 MEETINGS ACROSS THE STATE. AND WE OF OF DID A FINAL PEACE TO THAT AND THEN CAME OUT WITH ABOUT A 170. CURRENT PRIME AND SENT SUPPORTERS THE PARTS THAT TURNED OUT FOR THAT MEETING AND A MEETING WITH OUR COMMISSION OF A TOM PETERSON AND OUR TO THE GENERAL. SO THE BOAT THAT DANCING HERE TODAY IS IS WE’RE LOOKING AT THE SERIES TO POLICY READ COMMENDATIONS BUT DURING THE FARM CRISIS THAT REPRESENT LIPPERT SPOKE TO. IN TERMS OF THE FARM CRISIS. THE STATEMENT. A COUPLE PIECES JUST TO MAKE NOTE OF IS THE APARTMENT COME AS THE MASTERS LEVEL. AND WELL AND OUR STATE POLICY RECOMMENDATIONS WHICH IS ON THE SECOND GET THAT PART OF THE PIECES THESE ARE SOME RECOMMENDATIONS THAT WERE SUGGESTING THE STATE AND OTHER RECOMMENDATIONS WE HAVE IT HERE NOT EVERYBODY WILL 3 AND ALL THE SOLUTIONS PERHAPS THAT WE OFFER WE’RE AND SINCERITY ABOUT DOING SOMETHING ABOUT THE FARM CRISIS. MY HISTORY ABOUT WORKING ON THE FARM CRISIS GOES BACK TO ABOUT 1984 TO 1985 WHEN I WAS PART OF ONE ORGANIZATION CALLED MINNESOTA GROUNDSWELL THAT WORKED IN THE CRISIS ICY STREAM SIMILARITIES TO THEM. AND ONE OF THE RESULTS OF OUR WORK THAT WE DID IN MINNESOTA GROUNDSWELL OF WORKING WITH OTHER ORGANIZATIONS THAT THAT TIME WE’VE GOT A NUMBER OF SOLUTIONS THAT WERE ACHIEVED IN A BIPARTISAN EFFORT SO ARE THE NUMBER OF BILLS THAT WERE ADVANCING WERE TRYING TO ADVANCE THEM WITH THE BIPARTISAN SPIRIT AND ALL THAT THAT ACTION BACK THEN RESULTED IN LIKE HAVING MEDIATION. THE RAP AND POP YOU JUST SPOKE TO THE BUT AT THE THOUGHT THAT IN HAVING A PRIME ADVOCATE PROGRAM RESTART THAT AND GETTING AN INTEREST BY DOWN PROGRAM AND WHILE INTEREST RATES ARE LOW RIGHT NOW. WE NEED DIFFERENT TOOLS IN THE TOOL BOX FARMERS NEED DIFFERENT TOOLS; IT’S GREAT TO PROVIDE FARMERS WITH THE COUNSELING. IF YOU’RE GIVING PILOTS CONSTANTLY GOT TO DO SOMETHING TO RELIEVE THE PRESSURE AND THIS BILL THAT REPRESENT DIFFERENT OFFERING ALONG WITH A NUMBER OF COFFERS. REPRESENT REPRESENT WORK REPRESENT THEM FOR PETKE AND WANT TO SAY THANK YOU TO ALL OF THIS BIPARTISAN SPIRIT AND THAT’S WHAT WE THINK’S IMPORTANT TO MOVE FORWARD TO START TO GET SOME OF THE PIECES PROVIDE SOME TOOLS IN THE TOOL BOX THAT WANT TO FARM ADVOCATE SITTING DOWN WITH THE PRIVATE IN FINANCIAL TROUBLE THEY HAVE SOME TOOLS TO HELP. BECAUSE IT THAT IT’S THE TOUGHEST TIME I THINK THAT WE’RE SEEING RIGHT NOW AT THIS POINT IN TIME THAT THE PART WE MOVE FORWARD. THANK YOU FOR THAT TO JUSTIFY THIS MOMENT. THANK YOU MISTER; SOME SENSE ALRIGHT MISS MILLER. WELCOME TO THE COMMITTEE; THANK YOU.>>HE JUST STATE YOUR NAME BEFORE YOU BEGIN YOUR TESTIMONY. DAN MILLER.>>CONSIDERING THIS BILL INVITING ME HERE TODAY; MY NAME IS DAN MILLER’S AND MENTION FROM ABOUT 800 ACRES NEAR SPRING VALLEY JUST SOUTH OF ROCHESTER WITH 2 ADULT SONS AND 3 OF MY 6 KIDS ARE STILL IN PLACE WE DO THROW CONVENTIONAL CORN OATS BABY AND SNOW FELL FROM PART OF THE FARMS ALSO CERTIFIED MECHANIC WITH THE RAIN SECOND BASE IN HIS CATTLE. I GREW UP ON A DAIRY FARM WENT TO YOU THAT WE’RE RIVER FOLLOWS A NEW THEM. SERVE A AS CHAIRMAN OF THE BOARD OF THE MIDWEST FOR TO SO SEE ACTION. AN OATH OFFICE; A 3RD MAJOR CROP IN MINNESOTA AS WELL AS NATIONALLY I ALSO SERVED AS AN EXTENSION EDUCATOR IN REDWOOD FOR THE UNIVERSITY MINNESOTA AS WELL AS A UNIVERSITY; WISCONSIN PRICE COUNTY. FOR THE 30 YEARS I THOUGHT FOR MANAGEMENT IS THE PERSON FROM THIS FALL AND THEN. MORE RECENTLY NOW IN A. SCARES ME THROUGH RIVERLAND COMMUNITY COLLEGE IN SOUTHEAST; MINNESOTA. YESTERDAY MYSELF IN 40 OF THE ROUGHLY 65 IS MANAGEMENT STRUCTURES MEANT ALL DAY AT SOUTH CENTRAL COLLEGE IN MEN KETO. TO HELP COMPILE FARM BUSINESS MANAGEMENT DATA FOR THE SOUTHERN ASPECT OF THE STATE AND OF COURSE WE PUT TOGETHER THE THOSE NUMBERS ANNUALLY IN THE PUBLICATION. BUT WE JOIN THAT DATA WITH STATEWIDE WITH THE UNIVERSITY MINNESOTA FARM FINANCIAL MANAGEMENT AREA NEXT WEEK. WE WILL COMPILE THE STATEWIDE DATA FOR THE FIN ON LINE FROM INFORMATION FROM AROUND 2300. MINNESOTA FARMS THAT IS USED BY FARMERS. LENDERS AGRIBUSINESS POLICY MAKERS AND OTHERS TO MAKE DECISIONS. BUT WE DON’T HAVE THOSE FINAL NUMBERS YET WE SHOULD IN THE COUPLE WEEKS; BUT WE DO KNOW THAT THE LAST 6 YEARS HAS BEEN VERY DIFFICULT TO SORT OF FARMERS. NET FARM INCOME IN 2019 WAS ABOUT HALF WHAT IT WAS IN SO AND ALSO THAT THAT TASK THAT RACIAL WASN’T 40% IN 2013; SO ON AVERAGE. IT’S FARMER HAD ABOUT $0.40 THAT DEBT PER DOLLAR OF ASSETS 2013. TODAY IT’S ABOUT A 40 TO 50 SPLIT AND 50% SO IT’S ABOUT $0.50 OF DEBT FOR EVERY DOLLAR OF ACT WHAT ARE YOUR NET WORTH AS A PERCENTAGE HAS DUE TO CASH FLOW CHALLENGES; FARMERS ARE REFINANCING SHORT TERM DEBT AND REARM TASING HIM LONG TERM SECURED BY THEIR LARGEST ASSET FARMLAND. THE PROBLEM IN THE LAST 6; HERE’S THE RESULT OF FARM PRODUCT PRICES BEING LESS THAN THE COST OF PRODUCTION. DO TOO; YOU KNOW SO BY CONTROLS PERHAPS IN THE DAIRY FARM FOR THAT AT THE FEDERAL FOREIGN POLICY AS WE HAVE HAD BASICALLY SINCE THE GREAT DEPRESSION; 1930’S AND ALSO HEIGHTENED RECENTLY BY THE LOSS OF SOME EXPORT MARKETS ASSOCIATED WITH STEEL AND THE TRADE WARS. AND WE TELL A STORY A TREAT IT’S THE MARKET FACILITATION PAYMENTS RAISES THE TRUMP CHINA TRADE PAYMENTS WHICH IN MY COUNTY OUT OF 87 COUNTY SIMON FILLMORE WERE $54 IN THE LAST YEAR. WHICH SIGNIFICANTLY IN 2019 THEY ARE NOT GET INTO FOR THE FUTURE. CAN USE THEM TO PLAN ON THE CASH FLOW OR IN LIKE THAT. THE FIND CHRIST 80’S WAS SIMILAR; BUT YET DIFFERENT HE ENERGY PROBLEMS OF 70’S WITH OPEC OF OIL EMBARGO IN GAS LINES CREATE HIGH INFLATION IN 1982 KRISTA PATIENT; FED RAISED INTEREST RATES. IT’S VERY FOREIGN BORROWERS HOWEVER; FARMLAND COURSE A VERY VERY SENSITIVE TO LONG-TERM INTEREST RATE FARMLAND VALUES DROPPED A HINT ABOUT FROM 80 RITA. FOR ITS GETTING FROM 81 BY 86 ABOUT HALF THE 81 VALUE FOR THE DRAFT ABOUT HALF FROM LAND. IS ABOUT 70% OF MOST FARMERS BALANCE SHEETS AS FOR SUNDAY THAT SENT SO NET WORTH AN EQUITY PROMINENT IN LENDING IN FINANCIAL PROBLEMS OCCURRED. MINNESOTA HAD AN INTEREST BY DOWN PROGRAM IN 80’S WHERE FARM OPERATING ON WAS AT 4% IF THE LENDER REDUCE THAT BY 2 POINTS. THE STATE JUMPED IN REDUCE PICKED UP THE OTHER 2 POINTS WHICH WAS HELPFUL. IN THE EARLY INTEREST RATES OF COURSE ARE HISTORICALLY LOW RIGHT NOW. AS A RESULT THE IF. IN YOU KNOW IN FACT THIS RESULT OF THE CORONAVIRUS ISSUE OF COURSE THE FED JUST WRAPPED ANOTHER HALF A 0.2 DAYS AGO TO STIMULATE THE US ECONOMY. THE CORONAVIRUS ISSUE WILL NOT HELP OUR EFFORTS TO EXPORT MINNESOTA FROM PRODUCT ACTUALLY WOULD LIKELY MAKE THAT BET SITE WORSE. IS A IMPACT IN A LOT OF THE FARM FAMILIES OF COURSE THROUGHOUT THE STATE. THE WHOLE FAMILIES AFFECTED. COURSE FEMALE FARMERS ARE ACTUALLY THE LARGEST GROWING. I THINK WE HAVE IN THE FARM SECTOR OVER HALF PRESIDENT FFA FUTURE FARMERS OF AG. AND AGRICULTURE LIST MEMBERS SENT GIRLS FOR EXAMPLE; AND FARMERS WILL NEED TO BE THE EFFORTS OF THE CREW. RACES HEALTHY ABUNDANT FOOD IS EXPENSIVE. FARMERS HAVE LITTLE CONTROL HOWEVER OVER THE INPUT COSTS. PRODUCT PRICES THAT THEY RECEIVE OR WHETHER SO THERE MORE VULNERABLE THAN MOST BUSINESSES RISK IS LARGE COURSE THAT LEADS TO STRESS WHICH WE. YOU KNOW WE’VE STRESSED AND WE NEED TO DO A REALLY REALLY GOOD JOB WITH THE VARIABLES THAT WE CAN CONTROL AND THE FACT THAT BUSINESS AS THERE ARE MANY VARIABLES LEAD TO SUCCESS. WE CANNOT CONFIRM. AND THIS DEBT MATTHEWS MENTION THE YESTERDAY AT A MEETING. HIS FARM PSYCHOLOGIST EXPLAINED TO US THE MEETING YESTERDAY IF WE DWELL TOO LONG ON FACTORS OUTSIDE OF OUR ABILITY TO CONTROL WOMEN REALLY BECOME COGNITIVELY UNHEALTHY AND SO. YOU KNOW THIS BILL IS A TANGIBLE ONE TANGIBLE WAY THAT HOPEFULLY IS NO BUDGET BUSTER THAT WE CAN PERHAPS KEEP AND HELP SOME OF THE MOST VULNERABLE FARMERS STAND THE LAND FARMING IT BENEFIT FARMERS WITH GOOD SKILLS AND ABILITIES WERE LARGELY CAUGHT IN A BAD WAY DO THE REALLY 3 PROB. ITS TIMING TIMING TIMING. THEY JUST BOUGHT ASSETS OR ME BUSINESS CHANGES. AND JUST GOT CAUGHT IN A TOUGH TIME OR EVEN IF THEY DIDN’T MAKE CHANGES THE NO OR NEGATIVE PROFIT MARGINS. THE LAST 6 YEARS. THAT WE CAN THEM FINANCIALLY SO THAT IF WE CAN HELP WITH LOAN ORIGINATION FEES AND SOME OF THE MOST VULNERABLE FARMS. AS THEY REFINANCED TO POSITION THEMSELVES TO BETTER WEATHER THIS TOUGH MINNESOTA FARM MACROECONOMIC TIME. I THINK I WOULD HIGHLY ENCOURAGE IT I DID TALK TO AND HARTMAN WAS THE FSA LENDING LEADER FOR MINNESOTA THIS MORNING AT JUST KIND OF GO OVER ONE EXAMPLE WOULD BE IF A PERSON AND I TALKED TO A CLIENT OF MINE A DAIRY FARMER THIS MORNING WAS ACTUALLY GOING THROUGH THE EXACT SAME THING. BUT IF THEY HAD A $100;000. AND THEY WERE GOING TO HAVE A GUARANTEE STILL STAY AT THE BANK FSA WAS A 100;000 YOU KNOW THE GUARANTEE 90% OF IT AND GET INTO THE 9 90;000. AND THEY WOULD BE CHARGED A 1.5% MORE IN TUITION WHICH IS $1350. SO THAT’S ONE SMALL BUT YET A WAY THAT WE CAN PERHAPS. THANK YOU FOR HAVING ME I WOULD URGE YOU TO CONSIDER THE BILL. THANK YOU. MISTER MILLER.>>I NEEDED ONE MORE TEST FIRED COME STEW LAUREATE. STAND UP AND LIKE TO TESTIFY ON THIS BILL.>>WELCOME TO THE COMMITTEE; THANK YOU CHAIR; POPPY AND MEMBERS OF THE COMMITTEE FOR THE RECORD MY NAME IS TO LAUREAN THE GOVERNMENT RELATIONS DIRECTOR FOR MINNESOTA FARMERS UNION AND I’LL BE BRIEFING CAN GET GREAT TESTIMONY; BUT JUST WANTED TO SHARE OUR SUPPORT FOR THIS. THIS THIS LEGISLATION AND AND ELIMINATING A BARRIER THAT WOULD ALLOW OP FARMERS THE OPPORTUNITY TO TO RESTRUCTURE YOU KNOW THIS IS AN ISSUE THAT I’VE HEARD FROM FROM FROM RMF EU MEMBERS ABOUT HERE YOU KNOW TALK A MEMBER THIS MORNING WHO WAS TALKING ABOUT HIS OWN EXPERIENCE WITH MEDIATION AND THE ORIGINATION FEE AND EVEN JUST THE EMOTIONAL A BARRIER AND AND AND THE KIND OF PSYCHOLOGICAL THE AREA THAT HE HAD OVER COMMON IN TAKING ON MORE DEBT IN ORDER TO RESTRUCTURE ITS EXISTING THAT THIS KIND YOU KNOW DIFFICULT THAN AND AND PROBABLY RESULT IN SOME FOLKS NOT NOT TAKING THEM IS THAT OPTIONS I THINK THIS THIS THIS COULD BE A POSITIVE CHANGE AND ALSO SUPPORT ADDING OUR FATE WANTS TO BE ELIGIBLE THAT’S SOMETHING THAT YOU KNOW I THINK BECAUSE WE’VE GOT SO MUCH ATTENTION FROM THIS COMMITTEE IN THE LEGISLATURE THAT HEARING FROM A LOT OF MEMBERS WHO ARE THINKING ABOUT ROUGH AND HOW THAT MIGHT HELP THEM RESTRUCTURE THEIR FINANCES AND MAKE IT THROUGH THIS TOUGH ECONOMY. SO THANK YOU SO MUCH FOR THE OPPORTUNITY TO TESTIFY AND HAPPY TO SHARE SOME ART. THANK YOU MISTER MURRAY.>>NUMBERS ANY QUESTIONS. A REPRESENTATIVE ANDERSON.>>MAYBE THIS WOULD BE A QUESTION FOR THE A LAW OFFICER IS YOU WON’T OFFER THINK ANYONE HAS THEM INSPECT IT BE HIM AND STRUCK THE WHAT’S THE DIFFERENCE BETWEEN A THE USDA LOAN OF COURSE THAT’S FEDERAL IN THE R A FEE LOAN PROGRAM WHICH IS THE STATE WHY. WHY WOULD YOU CHOOSE ONE OVER THE OTHER.>>MISTER NOT A GOOD COURSE YEAH; FSA OF COURSE IS FEDERAL AND RFA IS THROUGH NDA. THERE ARE THE FACT THIS IS WHAT WE’RE TALKING ABOUT HERE BASICALLY IS THE FEDERAL GUARANTEE PROGRAM. THE FEDERAL GOVERNMENT GETTING KIDS 90% OF THE LOAN SO THAT PEOPLE WHO KNOW THE MOST THE BANK CAN BE OUT. BUT SAY IS 10%. SO IT IN THAT IT DOESN’T COVER THE U S THE A DIRECT LOAN PROGRAMS WHICH THEY DO HAVE. BUT THEY DO NOT CHARGE OF THE ORIGINATION FEE ON THOSE LOANS THEY JUST CHARGE. A CREDIT REPORT FEE; $45 OR SOMETHING AND THEN THE RFA LOANS ARE. THEY ARE NOT GUARANTEES BUT THEIR DIRECT LOANS IN THE TYPICALLY DO. SHARED ON WHERE THE RFA. 45% OF THE FUNDS AND ANOTHER ENTITY SUCH AS A BANK WITH 2.55. SO THE SHARED LOANS; DIRECT LOANS; HOWEVER. SO THIS IS DEALING WITH THE FSA GUARANTEES AND THE COST OF SOCIAL WITH THAT REPRESENTS ANDERSON. THANKS AGAIN THAT.>>CHAIR WITH A BILL HAS A NET WORTH LIMIT OF $800;000 TO BE ELIGIBLE. BUT I WOULD ASSUME SOMEBODY WHO’S KIND OF UNDER WITH THEIR LONE SITUATION WOULD NOT HAVE AN ISSUE WITH THE NET WORTH BEING. 2 LARGE. SO MY QUESTION IS IS THERE AN UPPER LIMIT OF OF LOANS AVAILABLE FROM USDA WAS THAT LOANS. HOW HOW LARGE CAN THEY GET.>>1 MILLION 707 PER 1 MILLION 776 THOUSAND. CONFIRM THAT WITH A RYAN HARTMAN UST THIS MORNING.>>AND THEN USE THE SERVICE IN SKI HAS SOME COMMENTS.>>BUT THAT NEW JOB SO THEY ARE A PIECE IS TAKEN RIGHT FROM THE TO IT THAT WERE PIECES TAKE THEM FATE ISN’T PIECE THAT YOU JUST OVER A NUMBER OF YEARS; OK. PERCENT OF ANDERSON.>>YEAH; THANK YOU MADAM CHAIR; JUST LITTLE LITTLE CONFUSED ABOUT WHY WE USES FOR BOTH THE FEDERAL LOAN PROGRAM IN A STATE LOAN PROGRAM. THE OUR FEE LOANS ARE ARE WONDERFUL AND HOPEFULLY TO THE HOST FOR WE’RE GOING TO GET THAT BILL PASSED AND GET GET ON THE BACK AND THEY’RE SO NOT JUST THAT JUST A. I’M WONDERING ABOUT THE USING THAT TO LOAN SOURCES FOR A FRISKY PROGRAM.>>ANY OTHER QUESTIONS ANYONE ELSE IN THE AUDIENCE WHO WANT TO TESTIFY. AND THIS BILL I DON’T SEE ANYONE ELSE COMING FORWARD AND I DON’T SEE ANY OTHER QUESTIONS. SO THE ABSENCE

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  • okay, MNHouseInfo, i get it.

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