ABCFT - YOUnionews - November 15, 2019
NEGOTIATION UPDATE - Frequently Asked Questions
When will the Tentative Salary Agreement be official?
So far over 651 ballots have been cast out of a total of 1050 ABCFT members. The result of the ratification will be announced on Tuesday, November 19 after 4 pm. Once the result is shared with ABCFT members, ABCFT notifies the District if the Tentative Agreement has been ratified. If ratified, the TA will go before the ABCUSD School Board for a final vote for approval. ABCFT does not anticipate that the school board will be opposed to the agreement but we encourage ABCFT Members to come to the school board meeting to see the final process of approval on December 3rd at 7 pm.
When do I see this raise on my check?
The 3% on schedule payment begins in January 2020 so the first check that we will see it implemented will be during our February pay period. Additionally, the 2% off-schedule check is scheduled to come on or before February 14, 2020.
What salary scale is used for calculating my 2%?
The 2% off schedule, based on whatever you earned on last year’s salary scale. If you were not employed in ABC you will receive 2% at the salary step you were hired.
I’m considering retirement, how does this pay raise impact my retirement?
The 3% on schedule raise WILL be retroactive to August and thus count as a full year of STRS credit to those members who submit an irrevocable retirement form for June 2020 with the district by February 14, 2020. This was negotiated to ensure that our retirees would not be negatively impacted by our mid-year start for the raise as it relates to the calculation of their STRS credit. It may, in fact, be seen as a retirement incentive of sorts, those members who file by the deadline will not only receive the 2% off-schedule payment but an additional retro check as well. Here is what the CERTIFICATED EMPLOYEE IRREVOCABLE RESIGNATION FORM looks like.
What is the deadline for me to turn in my resignation form and what does that look like?
ABCFT strongly recommends that all members who are “retirement curious” schedule a face to face appointment with an STRS counselor at their earliest convenience. With the posting of the latest salary schedule, those who are contemplating retirement can make an informed decision. The last day to file your irrevocable letter of resignation for the opportunity to capture the full 3% for your retirement is February 14, 2020.
Is the 3 percent is permanently on the salary schedule and will there be negotiations for salary for the next school year?
Yes, once the 3% is added to the salary schedule on January 1, 2020, it is permanent and will be the salary schedule ABCFT will use to reopen compensation negotiations with the District for 2020-2021 school year. The term, compensation, encompasses both salary negotiations and health benefits. ABCFT negotiates for a salary increase and health benefits happen each school year with typical negotiations starting in August of the school year. ABCFT expects to restart compensation negotiations in August of 2020 but because of negotiations for the 3 year Master Contract, this date will most likely change to the Spring of 2020. A Master Contract is renegotiated every three years and it encompasses all of the language found in the articles in the contract.
What about the school calendar for next year?
ABCFT negotiated a General Calendar and an Adult School Calendar for the 2020-2021 school year. There were no significant changes to the calendar or the start dates. This calendar will be made public at the school board meeting on December 3rd on approval by the school board. ABCFT will post the approved calendar on December 4th. You should expect to see an ABCFT calendar survey in January 2020 as the ABCFT negotiating team prepares to bargain for a 2021-2022 school calendar.
What is the bargaining history of the last ten years for ABCFT?
In the seven years following ABCFT has negotiated 17.5% of on-schedule increases to your salary schedule. During this time period, there have also been 7% of off-schedule payments, an increase in hourly from $30 to a range of $40-$50, and an overall increase to stipends by 15%. ABCFT is committed to remaining competitive despite increases to our STRS contributions, increases to health care costs, and the debilitating effects of declining enrollment. 17.5% of on-schedule pay raises and 7% of off-schedule payments over the past seven years is a strong foundation to build upon as we move into next year’s negotiations on salary, benefits, and master contract language.
Please note that on the chart below that the school years between 2008-2013 that the COLA was calculated by the state (because the cost of goods and services were still rising) but that the State of California did not fund these COLA numbers. In fact, we are currently working on a chart that will show that the district actually received a negative COLA for those years. Over the span of the Great Recession, the ABC School District had to reduce an approximately 200 million budget by 40 million dollars. During those years, tough bargaining by the ABCFT negotiating team, ABCFT leadership and the unified voice of ABCFT members kept ABC employees from receiving layoff notices, which are more commonly referred to as “pink slips.”
PICTURE OF THE WEEK by Patty Dupont-Tyler
ABCFT NURSES MAKING A DIFFERENCE: ABC nurses are very involved at each of their sites but also outside of their district assignments. They faithfully serve their local and faith communities as well as travel abroad to serve through missions’ organizations. Just one example of this is found in Nurse Patty DuPont-Tyler. She has been volunteering her services through Hoag Presbyterian Hospital Health Ministries. Through them, she was able to obtain hundreds of flu vaccine doses that were not completely used at a planned event.
Recognizing a great opportunity, the ABC nurses through the leadership of HOP, Vanessa Cook, quickly galvanized to organize a flu vaccine clinic that could serve our ABC students and the local communities.
Last Thursday, November 7th, several wonderful ABC nurses along with a couple of student nurses from local universities held a very successful flu vaccine clinic at Hawaiian Elementary. Over 250 doses of the vaccine were administered for free to students and their families. Thanks to great collaboration and organization skills mustered through our nurses, many have extra protection to wade through this flu season.
November ACADEMIC SERVICES UPDATE
Each month Kelley Forsythe and Rich Saldana work with Beth Bray and Carol Castro to provide teacher input about professional development, curriculum changes, and testing changes. ABCFT believes that the biggest working condition impacting teachers are the key curriculum and the professional development being churned out of academic services. Many times the district is implementing changes that are coming from the State of California but rarely do unions get involved in those changes. ABCFT believes that the teacher's voice helps to provide the district office with classroom advice and input that helps to deliver better comprehensive changes. Each month at the ABCFT Representative Council Rich and Kelley give reports and take questions on all things related to academic services.
ABCFT-Retiree Report by Silvia, President of ABCFT-Retiree Chapter
Hi Colleagues,
I hope you had a relaxing three day weekend. I remember how this time of year is crunch time. So much to do and so little time. I remembered that report cards, parent conferences, grading, cleaning, and so much more needs to be done before the winter holiday. Our profession is a tough one which is poorly misunderstood by those that are constantly attacking what we do. Years ago at an AFT conference, I proposed a campaign called, “Shadow a Teacher.” The idea was well-received; however, it was never fully developed. I thought of having just folks from all walks of life shadow a teacher for one whole day. The intent was for the “shadowers” to experience how we rush from one corner of the campus to the other during our “breaks” and “lunches.” To see the stack of work we take home daily. To see how we have to make more than 100 decisions a day as teachers, caretakers, nurses, counselors, nutritionists, and many more.
I am retired, but I will never forget how dedicated teachers are. This is why our retiree chapter supports the ABC Unified School District community through our many programs.
I would love to hear from you if you have any questions about our chapter or would like a retired teacher to come into your classroom to read to your students. You can email me at qbana1951@gmail.com or you can just do it the old fashion way….simply drop me a note at the union office.
Thankful for you.
In Unity,
Silvia Rodriguez
______________________________
ABCFT PRESIDENT’S REPORT - Ray Gaer
Each week I work with unit members in representations, contract resolutions, email/text/phone call questions, site concerns, site visits, presentations, state/national representations and mediations. Here are some of the highlights of interest. Throughout the year I find articles that are interesting and food for thought;
Who’s counting the days but there are only 5 days left for a well-deserved break in the action. This year has been an exceptional challenge for many teachers, nurses and SLPs. Our State affiliate is asking local unions to focus on getting a ballot measure on the November 2020 ballot entitled “Schools and Communities First” (If you want more preliminary information on this measure that would increase funding for education you can click this link).
I think this will be important in the coming months but it’s not my top concern today.
Now that it looks like a salary agreement will be finalized soon, I’m turning my attention to the LCAP (Local Control Accountability Plan) and Master Contract negotiations that are set for the spring. About a month ago, I was talking about ABCFT’s Strategic Plan and that in December we will be finalizing that four-year plan. It’s my hope that I will be able to share this plan with the entire membership in January. One of the major pieces that ABCFT is working on is an informational campaign about the impact of student behavior and how there needs to be a change in mindset so we can modify our priorities as a district. It is the belief of many that we need a change in how we look at behaviors in relation to academics. If you Google the word behavior it is defined by the dictionary as “the way in which one acts or conducts oneself, especially toward others.”
This change in mindset is about how we treat and understand student behavior in education. It is my hope that we can begin to change the dialogue in our schools and the district about behavior. We need to start thinking of Behavior as a Core Subject. Teachers along with parents have the most influence on the behavior of our students but for too many decades teachers have been caught in the trap of constant pressure for increased academic performance from our students with little emphasis on the behavioral needs of our students. It is a hamster wheel we all run because everyone in education seems to tell us academics are the most important subject. Is it?
When I was growing up, I watched Little House on the Prairie and I cannot remember one episode where the main function of the teacher was academics. Academics were implied but the teacher was a part of the community and of her student’s lives. The teacher Mary Ingles, in Little House on the Prairie was crucial to the community for teaching her students how to behave and that was one of the most important functions of a teacher until society began to push education into the model of an assembly line. In an assembly line, there is less time for interaction and for education, the academic tasks are more demanding each year. Not unlike the automotive industry, we can see there is a push to automate teaching with technology. Our students are not robots and as I’m sure many of you would agree, not everything can be learned from a machine. Teachers shape how students interact with others, how they behave in social situations, manners, self-realization and metacognition, emotional and physical wellbeing and many other behaviors. In ABC, we have online learning for many of our 20,000 students but it is the flesh and blood teachers that keep these programs successful and healthy for our students.
Let’s start having a conversation about how we can help this generation of students so that they can create a better world for all of us. Let’s start having a conversation in ABC about how we can make Behavior our top core subject because without behaviors we can’t effectively get to the academics. Let’s all start thinking about how we can make changes in our site/program and district budgets, priorities, and interactions with others to make Behavior a Core subject. It is my hope that everyone from the school board trustee to the students in ABC will to step back a moment and think about making Behavior a core subject. Feel free to contact me on any thoughts that you might have about this line of thinking.
Let’s start this conversation.
In Unity,
Ray Gaer
President, ABCFT
CALIFORNIA FEDERATION OF TEACHERS
The latest CFT articles and news stories can be found here on the PreK12 news feed on the CFT.org website.
AMERICAN FEDERATION OF TEACHERS
11/13/2019
AFT sues Trump to protect DACA in the Supreme Court and in the streets
Follow AFT President Randi Weingarten: http://twitter.com/rweingarten
----- NEWS STORY HIGHLIGHT-----
Schools missing over 100,000 teachers
America is missing around 112,000 teachers, according to the Learning Policy Institute, which has predicted that the shortage will get worse before it gets better. Separately, the Economic Policy Institute has predicted a shortfall of 200,000 by 2025. One estimate, notes Alex Fox, which includes jobs that should have been created to keep up with student enrollment, actually indicates that the true scale of the missing workforce in public education is 307,000 jobs. Additional statistics also suggest that teachers leaving the field are not being replaced, while the number of students preparing to become teachers fell by 35% between 2009 and 2014. The National Education Association (NEA), shows that the median salary for American teachers is $61,730 for the 2018 to 2019 school year. The Bureau of Labor Statistics states in its research that the highest-paid teachers reside in the states of Texas, California, New York, and Illinois, while teachers in Florida are among the lowest-paid.
Active shooter drills could traumatise students
Melissa Reeves, a professor at Winthrop University and former president of the National Association of School Psychologists, outlines changes in how school shooting drills are carried out and also her concerns about how such drills could potentially be impacting the psychological development of young children. Close to all public schools in the U.S. conducted some kind of lockdown drill in 2015-2016, according to the National Center for Education Statistics, while last year 57% of teens told researchers they worry about a shooting happening at their school. A slightly higher percentage of parents of teenagers, 63%, fear a shooting at their child's school, the Pew Research Center found.
----- TEACHER STRIKES -----
Strike action taken by West Sonoma County teachers
Analy High School teachers and staff have begun a strike for improved pay, following the nearly year-long process of negotiating a three-year contract for teachers in the West Sonoma County Union High School District. Negotiations on Tuesday saw district officials offer to double their previous offer, fulfilling a 12% pay increase, but insisted it be tied to an education parcel tax. Attorney Paul Boylan, who is representing the district, noted that the district had filed, and later withdrawn, a motion with the Sonoma County Superior Court that would have stopped special education teachers from taking part in the strike, due to concerns that there were not enough qualified stand-ins.
The Press Democrat
Little Rock Teachers Plan One-Day Strike
The Arkansas Democrat Gazette (11/11) reports the Little Rock Education Association is planning a one-day strike for Thursday, saying they want “the district to be immediately returned to full local control. The district has been under the control of the state since Jan. 28, 2015, when it removed the elected school board and placed the superintendent under state authority.” Last month the “Arkansas Board of Education approved a draft plan for ‘reconstituting’ the 23,000-student district that calls in part for an election of nine local school board members in November 2020, with limited authority. The Education Board also directed the Little Rock district to end its decades-old recognition of the Little Rock Education Association employee union.”
The AP (11/11) reports the union “will go on strike for one day this week over an Arkansas panel’s decision to strip their collective bargaining power and complaints about state control of the 23,000-student district, union officials said Monday.” The “announcement comes after the state Board of Education in October voted to no longer recognize the union when the contract expired Oct. 31. The union has been calling for the state to give them back their bargaining power. Before the contract ended on Oct. 31, the Little Rock School District had been the only one in Arkansas where a teachers union had collective bargaining power. But union leaders said Thursday’s strike was focused more broadly on returning full local control to the district.”
Chicago Teachers Begin Voting On Strike-Ending Contract
The Chicago Tribune (11/14, Leone, Byrne) reports, “Voting is underway to determine if the Chicago Teachers Union will accept the tentative contract deal that ended the teachers strike two weeks ago.” Meanwhile, Chicago Teachers Union President Jesse Sharkey “said the labor organization is gearing up for future fights, such as what he claimed were Mayor Lori Lightfoot’s plans to announce a round of school closings.”
WLS-TV Chicago (11/14) reports members began “voting Thursday on accepting or rejecting a tentative deal reached with Chicago Public Schools earlier this month. The tentative deal ended the longest teachers strike in almost 30 years”
----- NATIONAL NEWS -----
DeVos cancels nearly $11m in student loans
The Education Department said Friday it will cancel federal loans provided last year to students at four Art Institutes locations after revelations that officials knew the for-profit colleges were not accredited and ineligible to receive such aid. Documents released in October by the House Education and Labor Committee show the department provided $10.7 million in federal loans and grants to students at Art Institutes locations while the schools were not fully accredited. Now those loans will be forgiven. Education Secretary Betsy DeVos placed blame on the accreditor, the Higher Learning Commission, for harming students by withholding its seal of approval from failing for-profit schools and heralded the department’s actions as an effort to right the wrong. In other news, Mrs DeVos is reportedly refusing to testify before the House education committee on November 19th about her department’s collection of student loan debt from former Corinthian Colleges students, despite a subpoena threat from House Democrats. Last month, a federal judge held DeVos in contempt of court and imposed a $100,000 fine for violating an order to stop collecting on student loans owed by former Corinthian students. The department admitted to the court earlier this year that it had erroneously collected on the loans of some 16,000 borrowers.
Colorado Teachers Union Calls For Higher Corporate Taxes To Fund Salary Increases
The Denver Post (11/14) reports the Colorado Education Association “is calling for corporations to pay more to fund education, but left the details largely undefined in a new report released Thursday. The ‘Final Countdown’ report is light on details about what ‘tax breaks and incentives’” the union would have cut, but the report “said Colorado’s teacher pay and per-pupil funding both ranked in the bottom 10 in the country. While Colorado spends more on schools than it did 30 years ago, it hasn’t kept up with other states that further raised their per-pupil funding.”
Chalkbeat (11/14) reports the union “laid out a number of legislative priorities for 2020 based on a member survey and a 13-stop listening tour around the state. Topping the list: Improving teacher pay. Teacher pay in Colorado ranks among the least competitive in the nation when compared with other professions that require a college degree, and turnover rates have risen since the Great Recession, when lawmakers started holding back money the state constitution promises to schools to pay for other budget priorities.”
----- STATE NEWS -----
Santa Clarita School Shooting
Two students, aged 16 and 14, have been killed and three others injured by a gunman who opened fire at a secondary school in California, officials say. The victims died in a brief, 16-second gun attack shortly before classes began on Thursday at Saugus High School in Santa Clarita, north of Los Angeles. The attack came on the 16th birthday of the suspect, named by media as fellow student, Nathaniel Berhow. The suspect then shot himself in the head and is in a critical condition. Students and teachers spoke of how they barricaded themselves in classrooms amid chaotic scenes, carrying out an active shooter drill. LA county sheriff Alex Villanueva said the suspect was standing in the school courtyard when he took a .45-calibre semi-automatic pistol from his backpack and opened fire for about 16 seconds before turning the gun on himself. Meanwhile, dozens of students from across Florida descended on the Capitol demanding action on gun control Thursday. They joined a student-led rally called March for Our Lives, seeking to focus attention to gun control measures they want lawmakers to enact. The Santa Clarita violence cast a pall over the Florida rally, as about 60 students spoke with determination to get lawmakers to act. Several of those lawmakers—all Democrats—used the rally to advocate for gun measures, including a ban on semi-automatic weapons.
California spending billions on special education
California’s spending on special education students has increased by nearly 30% over the past decade, from $10.8bn to $13bn in inflation-adjusted figures, according to a report from the Legislative Analyst’s Office. However, despite the massive investment, special education students lag behind almost all other student groups on a range of measures, such as average test scores and graduation rates, and are also suspended from school and are chronically absent at higher rates. The average cost of educating a special education student each year is $26,000, compared to $9,000 to educate a “general education” student.
Audit challenges California’s homeless student provisions
An audit released by the California State Auditor shows that the California Department of Education and local education agencies (LEAs) are failing to identify and support students experiencing homelessness. The audit was requested in March by Assemblymembers David Chiu (D-San Francisco), James Ramos (D-Highland), and Luz Rivas (D-Arleta) and found that LEAs do not accurately identify homeless students or provide them with the proper services. It also found that the Department of Education does not provide accurate oversight of the state’s homeless education programs; it reportedly monitors less than 1% of the state’s 2,300 LEAs’ homeless education programs and does not use collected homeless data to “provide guidance to LEAs that are likely to be under-identifying students experiencing homelessness.”
----- CLASSROOM -----
Teachers driven to desperation to get classroom supplies
More than nine in ten educators spend an average of nearly $500 a year on supplies, according to Federal data, showing that teachers go to great lengths to secure resources for their classrooms. The Washington Post here canvasses teachers throughout the country how much they spend on supplies, what they buy and why, revealing that the problem has existed without remedy for decades and has even gotten worse over time. Bob Farrace, spokesman for the National Association of Secondary School Principals, says: "We should all be ashamed this has become the norm. We let policymakers off the hook too easily by accepting that charity is the only way to fill the gap,” while Michelle Eirhart, who teaches in the Montgomery County Public Schools, in the second-wealthiest county in Maryland, laments: “Other professionals don’t do this.”
----- LEGAL -----
Schools fear DACA deportations
Thousands of teachers could be removed from classrooms if the Supreme Court sides with the Trump administration and ends the Deferred Action for Childhood Arrivals (DACA) program. Communities across California, Texas, Arizona, New York and other places with large immigrant populations, are especially vulnerable. Teacher Vicente Rodriguez, a teaching assistant and DACA recipient from San Bernardino, California, is one of an estimated 20,000 teachers, assistant teachers and those in the process of being certified to become teachers, who are protected under DACA in school districts all across the country. An amicus brief filed in October by the National Education Association warns: "Without DACA renewals, the status of thousands of educators will expire on different dates throughout the school year. Teachers and staff will abruptly disappear from classrooms to the distress of their students and to the measurable detriment of educational outcomes." DACA recipients paid $4bn in taxes to the U.S. government in 2017, according to figures from the New American Economy, a bipartisan group dedicated to immigration reform. The justices are expected to issue a decision on the matter in 2020, potentially just months before the presidential election.
-----CHARTER SCHOOLS -----
California anti-charter law criticized
David Griffith, a senior research and policy associate for the Thomas B. Fordham Institute and the author of new report: “Rising Tide: Charter School Market Share and Student Achievement,” and Caprice Young, national superintendent at charter school network Learn4Life Schools, write on the passage of Assembly Bill 1505, which they say places “numerous restrictions on the expansion and operation of charter schools” in California. They cite dozens of studies which claim black and Latino students in charter schools progress further academically than their counterparts in traditional public schools, and call on “more community-minded Democrats” to “acknowledge the evidence on charter schools - as we acknowledge the science of climate change - and vote accordingly.”
----- TECHNOLOGY -----
Dallas ISD Trustees Debate Cameras In Special-Education Classrooms
The Dallas Morning News (11/11) reports that Dallas ISD trustee Dustin Marshall “wants to require each special education classroom in the district to have video cameras.” The Morning News says Texas public schools “are already required to place one in a special education setting if a parent requests it.” According to Marshall, the Morning News reports that “installing cameras district wide would help protect the most vulnerable kids in DISD and even protect teachers if they are falsely accused of wrongdoing.” The school board “debated Marshall’s idea at Thursday’s board briefing,” and Marshall “plans to bring the proposal up for a vote soon, though no date has been set.”
US students show average tech skills
Eighth graders in the US are unlikely to understand the purpose of sponsored content on a website, use generic mapping software or know how to control color and text when creating a presentation, according to the International Association for the Evaluation of Educational Achievement latest International Computer and Information Literacy Study. Across the 12 participating international education systems the average score on the computer and information literacy portion of the test was 496 on a scale from 100 to 700. A quarter of all students scored at the lowest level, and 18% scored below the lowest level. U.S. students scored 519 - below Denmark, the Republic of Korea and Finland - but ahead of several other countries including Germany, France and Chile.
----- SOCIAL & COMMUNITY -----
LA’s undocumented students rally as Supreme Court hears DACA case
Recipients of the Deferred Action for Childhood Arrivals immigration program and their supporters are expected to rally in Los Angeles in light of oral arguments today at the U.S. Supreme Court. The event, organized by the Coalition for Humane Immigrant Rights of L.A. , calls on students to walkout from class at 10 a.m. for a morning rally at the ‘Molecule Man Monument’, located at 255 E Temple St. downtown, and subsequent march to MacArthur Park’s Levitt Pavilion for another 3 p.m. demonstration. The case that begins today will decide the fate of the Obama-era immigration program protecting some 80,000 young people in Greater Los Angeles from deportation. The Supreme Court ruling, which is not expected to be made until next summer, could drastically change the deportation and work status of DACA recipients. Los Angeles USD has said the district will excuse student absences for the rally if a parent or guardian checks them out, citing the event’s ‘educational component.’
----- HIGHER EDUCATION -----
San Diego State student dies; fraternities suspended
A San Diego State University freshman died after allegedly attending a fraternity event last week, prompting the school to suspend all Interfraternity Council-affiliated organizations. The indefinite suspension notice - which did not note the cause of Hernandez's death - prevents all organizations from hosting activities. Nineteen-year-old Dylan Hernandez is alleged to have attended a Phi Gamma Delta fraternity event on Wednesday before being taken to a hospital the next morning. University officials announced Monday that Mr Hernandez had died. "Dylan was an outgoing, light-hearted and goofy person who had so much love to give to everyone he met," a GoFundMe page says. "He never failed to make everyone in the room smile and his laugh was infectious.”
California ramping up college investment
A new report by the National Association of State Student Grant and Aid Programs reveals that state investment in college students grew more last year than in the past decade. NASSGAP’s 2017-18 analysis showed states confronting issues of college affordability and workforce shortages with an urgency not shown before. Over all, undergraduate need-based grants increased from $8.4bn in 2016-17 to $8.9bn in 2017-18, with the majority coming from California, Texas, New York, New Jersey, Pennsylvania, Illinois, Virginia and Washington.
----- OTHER -----
Education protects against Alzheimer's
Higher levels of education may counter the genetic risk of Alzheimer's disease among older black adults, a new study indicates. Several studies, mainly in white people, have already shown that the higher a person's level of education, the lower their risk of dementia - even among those who are genetically at higher risk. Study author Jet Vonk, a postdoctoral research scientist at the Taub Institute for Research on Alzheimer's Disease and the Aging Brain at Columbia University, in New York City, says: "This suggests that education can buffer the effects of the APOE e4 gene on episodic memory retention and working memory, which are usually the first types of memory to be affected in people with Alzheimer's."
NTA Life Insurance - An ABCFT Sponsor
About three years ago ABCFT stated a working relationship with National Teachers Associates Life Insurance Company. Throughout our partnership, NTA has been supportive of ABCFT activities by sponsorship and prizes for our various events. This organization specializes in providing insurance for educators across the nation. We have been provided both data and member testimonials about how pleased they have been with the NTA products and the opportunity to look at alternatives to the district insurance choice.
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