DYLAN GRAHAM, CONTRIBUTING TO PSAR’S FUTURE

Posted by Christine Antosada-Borromeo on Jan 7, 2022 1:30:00 PM
New PSAR Board Member Dylan Graham

Meet Dylan Graham, who was recently elected to a two-year term (2022-2023) on the PSAR board of directors.

 

Dylan, a San Diego native, graduated from St. Augustine High School (2006) and San Diego State University (2011) with a Bachelor’s degree in International Economics and Spanish. He grew up in East County and played in youth baseball leagues with real estate veteran Steve Wilson as his baseball manager. Later, Dylan played on his high school team, and then he played for the SDSU Aztecs under head coach Tony Gwynn.

Dylan, 34, said, “When I started my real estate career in 2017, Steve was my mentor. I’m very grateful for his time and continued guidance as I grow my business.”

Prior to real estate, Dylan returned to his high school to serve for a couple of years as a baseball coach. At a private batting practice session with one of his high school players, Dylan’s life was threatened in an incident that he will remember forever.

It was a couple of days before Christmas in 2015, when Dylan was pitching to Jack, a high school sophomore, at Hickman Field in Clairemont. A stranger approached and asked for a cigarette. Dylan replied that he didn’t smoke. Then, the stranger pulled out a .357-caliber Magnum handgun.

The man forced Dylan and the 16-year-old student into Dylan’s car. The gunman ordered Dylan to drive while the weapon was pointed at Dylan’s head. The ride from Highway 52 to Highway 67 toward Ramona stretched more than 30 miles over 40 minutes.

“I had a lot of time to think about my girlfriend Kristina, my life, and Jack’s life,” Dylan said. “I was thinking, ‘Am I going to crash the car here, are we just gonna jump out?’ But the whole way, he had the gun pointed to my head, so I couldn’t do much. I offered him money, my phone, and the car, all of which were ignored. As we started to get to the middle of nowhere, it was apparent it wasn’t going to end well.”

The kidnapper said his plan was to meet up with friends in the woods. With a gun still pointed at Dylan from behind and the student next to him in the front seat, Dylan made a decision and made his move at a construction zone near Dye Road and Wildcat Canyon Road.

“When he wasn’t paying attention,” Dylan said, “I let go of the wheel, jumped in the back seat, got my hands around his wrist, and just started fighting for the gun. I was in survival mode. I was enraged and screaming, trying to get the gun. I was fighting for my life.”

The student jumped out of the moving car. Dylan and the kidnapper struggled over the weapon. The kidnapper got off three shots, with one of those bullets going through the seat where the student had sat moments earlier.

The car crashed. The kidnapper ran from the crash, then carjacked a 79-year-old woman in Ramona. Later, he later robbed a Lemon Grove gas station. More crimes followed in Orange County. The one-man crime spree that included kidnapping and multiple robberies ended with the man’s arrest in a Riverside SWAT standoff. Later, the kidnapper was sentenced to life in prison without the possibility of parole.

Dylan said recently, “It was a pretty crazy incident, one of those weird things. It happened a while ago, but it still sticks with you. I’m still close to Jack’s family. You never know ahead of time what will happen. It makes you appreciate life.”

Dylan and Kristina were married in March of 2018. They live in the Rolando Village community, near SDSU. In 2019, Dylan was selected for a Citizens of Courage award from the San Diego County District Attorney’s Office. The DA’s Office said, “This high school coach acted with bravery and quick thinking to disarm a kidnapper and allow both to escape safely.”

With PSAR, Dylan has served the past couple of years on the Government Affairs Committee.

“I decided to serve on the board because homeownership and fighting for property rights is a passion of mine,” said Dylan. “We need to help the younger generation share in the American dream of homeownership. We need to support and empower REALTORS® who will be there to help future generations.”

Dylan believes all PSAR members should become involved with the association. “I think it’s important to get involved because REALTORS® are professionals who will help our communities. When you get involved, then you’re helping to shape the future and make a stronger, more effective association. In the end, PSAR provides an opportunity to help everyone in the community and our businesses.”

_______________________________

PSAR's mission is to empower REALTORS®.

Topics: Announcements, Leadership

TRACY CLARK, PSAR MEMBER, COMMERCIAL BROKER, 1955-2021

Posted by Rick Griffin on Jan 3, 2022 8:49:00 PM

blog_image_Tracy_Clark-2The PSAR family wishes to extend its condolences, thoughts and prayers with the sad announcement of the passing of Tracy Clark, a great man of faith, honesty and integrity.

A longtime PSAR member, Mr. Clark served as a commercial real estate broker for 34 years in the San Diego community. He served as senior vice president with Voit Real Estate Services, specializing in office, retail and investment properties. He served with Voit for 31 years. His family recalled one of his favorite sayings: “It’s a great day to be in commercial real estate.”

A Celebration of Life service will be held at 11:30 a.m., Friday, Jan. 14 at Awaken Church, 7620 Balboa Ave., San Diego. Burial will be held later the same day at 3 p.m. at Glenn Abbey Memorial Park, 3838 Bonita Road, Bonita. All PSAR members are invited to attend.

Tracy Charles Clark was born on March 11, 1955, in Albany, Wisconsin. He attended high school in Wisconsin and graduated from a college in Illinois. He married Silvia Clark on March 26, 1983. Silvia is a PSAR member and REALTOR® in San Diego.

Mr. Clark is survived by his wife Silvia, daughters Kimberly Clark Underwood, Lindsey Clark and Ashley Clark and 1 granddaughter Clark Mercy Underwood.

His family reports that Mr. Clark stayed strong in his faith in God through his illness. Until his last breath, he never wavered in believing in God’s goodness and faithfulness to his family. His legacy will include as a man of honor and integrity who loved God and his family.

Topics: Announcements, Leadership

Winners of the 2021 REALTOR®, Broker/Office Manager & Affiliate awards

Posted by Rick Griffin on Dec 2, 2021 1:59:27 PM

blogbanner_211201_REALTOR_of_Year

Congratulations to the recipients of the 2021 REALTOR®, Broker/Office Manager & Affiliate of The Year Awards! They will be honored at the R.E.A.L. Awards event early next year.

Honoring PSAR members who empower all REALTORS® through selfless contributions to our industry

2021 REALTOR® of the Year Award recipients:

denisse

Denisse Roland Newell
Central San Diego

Amber

Amber Tannehill
East San Diego

Charmaine

Charmaine Orcino-Gonzales
South San Diego

 

2021 Broker/Office Manager of the Year Award recipients:

mauricio
Mauricio Perez-Vazquez
Central San Diego
jeff
Jeff Campbell
East San Diego
Bob.
Bob Olivieri
South San Diego

 

2021 Affiliate of the Year Award recipients:

Karen
Karen Buelterman
Central San Diego
debra
Debra Yatsko
East San Diego
Andrea
Andrea Martino
South San Diego


More Criteria Information and Past Recipients

These award recipients were announced at the past week's Installation Dinner to honor the board of directors and chairs that served PSAR last year and incoming 2021 directors.

The primary mission of the Pacific Southwest Association of REALTORS® (PSAR) is to empower REALTORS® to achieve their business goals. The R.E.A.L. awards are a tangible recognition of the highest level of REALTORS® business achievement by agents, brokers and teams over the prior year.

“A hearty congratulations to everyone who received a special annual award,” said Ditas Yamane, 2021 PSAR President. “PSAR's mission is to empower REALTORS® to flourish while being accountable to each other, our clients, and our community. All these award winners embody our mission. I am so very proud of everyone.”

___________________________

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth and development of the Real Estate industry in San Diego County.

Topics: Announcements, Events, Leadership

REALTOR®, Broker/Office Manager & AFFILIATE Of The Year Nominations

Posted by Rick Griffin on Oct 22, 2021 9:56:09 AM

2020 REALTOR, Broker/Office Manager, Affiliate of the year

Call for Nominations!!!

Do you know a fantastic PSAR REALTOR®, Broker/Office Manager, or Affiliate? Now is the time to give them the recognition they deserve. Please take a few minutes to nominate a candidate.

You can use either of these two methods to nominate.

ONLINE FORM                 PDF FORM  

Nominations must be received by Friday, November 5, 2021.

PSAR will recognize three REALTORS,® Brokers, and Affiliates each year from three distinct “Geographic Areas” of San Diego County, Central San Diego, East San Diego County, and South San Diego County. The names of individuals making nominations will remain secret. The number of nominations shall not create an advantage for nominees. Award winners may not be the sitting President of the Association and may not be a past recipient of the specific award regardless of the geographic area where the prior award was won.

Recognition Committee will consist of the past recipient of each award, the Affiliate Director, and members of the Committee Council, which consists of the PSAR Committee Chairman. Winners will be announced at PSAR's Installation. Awards will be given at our upcoming REAL Awards in 2022. At least one runner-up will be announced.

More Criteria Information and Past Recipients

___________________________

Pacific Southwest Association of REALTORS

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth, and development of the Real Estate industry in San Diego County.

Topics: Announcements, Events, Leadership

San Diego Agencies Received $653k to test for Fair Housing Violations.

Posted by Richard D'Ascoli on Oct 1, 2021 3:02:58 PM

The U.S. Department of Housing and Urban Development (HUD) awarded $47.4 million to fair housing non-profit organizations around the country.  At least two of the organizations are based in San Diego. In September these testing organizations received  $653,000 for the Private Enforcement Initiative (PEI).  According to HUD, these organizations will conduct intake and testing.  They will investigate and litigate fair housing complaints under the Fair Housing Act. According to the Department of Justice website:

Test for Fair Housing Violations."Testing refers to the use of individuals who – without any bona fide intent to rent or purchase housing, purchase a mortgage or vehicle loan, or patronize a place of public accommodation – pose as prospective renters, borrowers, or patrons for the purpose of gathering information. This information may indicate whether a provider is complying with federal civil rights laws. The primary focus of the Section's Fair Housing Testing Program has been to identify unlawful housing discrimination based on race, national origin, disability, or familial status in violation of the Fair Housing Act. The Section also has responsibilities to enforce Title II of the Civil Rights Act of 1964, the nation's public accommodations law; the Equal Credit Opportunity Act, which prohibits discrimination in credit; and the Servicemembers Civil Relief Act, which provides protections for military members as they enter active duty. The Fair Housing Testing Program also conducts testing under these statutes, as well as under the Americans with Disabilities Act, which is enforced by the Disability Rights Section of the Civil Rights Division."

Agents must also understand that California has additional protected classes including Ancestory, CREED, Gender Identity, Medical Condition, Source of Income/Occupation, and "Other Arbitrary Discrimination."  The definition of a "Protected Class" is all-inclusive in California.  Agents need to be aware of their unconscious biases and be careful to treat everyone equally.

In March of 2021 HUD Published the 2021 civil penalty amounts for fair housing violations. Civil penalties may reach a maximum of $54,157 and respondents who had violated the Act two or more times in the previous 7 years could be fined a maximum of $108,315.

PSAR, NAR, and C.A.R. have been diligent and have provided fair housing resources for Realtors for many years. During the past two years following the Newsday Investigation called "Long Island Divided" the Associations doubled down the efforts.  PSAR has hosted or promoted at least eight opportunities this year for agents to better understand fair housing.  NAR also prepared a "gamified" training to help agents understand the law.  The game is called Fairhaven.  More information may be found here.

Testers may be reaching anonymously to agents and property managers in the field.  The best practice is to understand and obey the law.  PSAR agents are the most professional in California and the Nation. PSAR's staff and volunteer leaders are available to help our members with resources and training. This law is important and there is no room for error.

Watch this video to see how real estate agents treated undercover clients on Long Island.

Topics: Announcements, Brokers/Managers, Industry

IDX Transparency and Rule Change

Posted by PSAR Communication on Sep 10, 2021 3:49:09 PM

CRMLS launched a new IDX transparency initiative on September 1st, 2021.

What is IDX?  “Internet Data Exchange” is a means by which each MLS Participant (AKA Broker In the MLS) subscribing to the (IDX) program permits the limited electronic display of Participant’s listings appearing in Internet Data Exchange Database on each Participant’s (Other Broker's) IDX Internet websites and on applications for mobile devices that said participating Broker Participants and R.E. Subscribers control.

The newly updated rule Rule 12.16.5 listing credit:

All Listing Brokers grant permission for any Advertising Broker to display any listings submitted to the service by the Listing Broker only if the listing display or advertisement is clear so that a reasonable real estate consumer understands:

a) Who is the Listing Agent & Broker?
b) Who is the Advertising Broker?
c) How to contact that Listing Agent or Broker.

Note: These changes only affect how agent and broker IDX websites display your MLS data in public sites, not any other form of marketing. They are unrelated to communications between you and your clients.


What are the full implications of this rule? How do agents and brokers make sure your IDX feeds are compliant? Where did this rule come from, and why, and how does it benefit you?  To answer these questions and more,

Ed

CRMLS’s Vice President and General Counsel Edward Zorn - VP & General Counsel at California Regional MLS (CRMLS), will host a Webinar Wednesday, September 15th at 2:00 PM centered on the IDX Transparency Initiative.

Register for Webinar

Edward Zorn,  will also review frequently asked questions,  display examples of this new change, and take questions live.


Art Carter, CEO of CRMLS

 

Art Carter, CEO of CRMLS

Provides quick insight into the rule change on this 2:35 minute video.

 

 

 

 

Topics: Announcements, Brokers/Managers, CRMLS, Industry

NAR SELECTS PSAR MEMBER JOSE PAYNE KING AS GLOBAL AMBASSADOR

Posted by PSAR Communication on May 21, 2021 8:30:00 AM

Jose Payne King FotoPSAR extends congratulations to PSAR member and broker Jose Payne King who is serving this year as a National Association of REALTORS® (NAR) 2021 Global Ambassador (GA) to the countries of Honduras, Nicaragua, Guatemala, El Salvador and Mexico.

Jose was appointed by NAR President Charlie Oppler to serve as a GA through the 2021 calendar year. He will serve as a liaison to maintain NAR relationships with foreign real estate associations and local associations, including PSAR.

The foreign real estate associations to whom Jose is serving as a NAR liaison include: Camara Salvadorense de Bienes Raices (CSBR) and El Salvador Chamber of Real Estate in El Salvador; Camara de Corredores de Bienes Raices de Guatemala (CCBRG) in Guatemala; Camara Nacional de Bienes Raices de Honduras in Honduras; Association Mexicana de Profesionales Immobiliarios (AMPI) in Mexico; Camara Nicaraguense de Corredores de Bienes Raices (CNCBR) in Nicaragua.

“I’m very glad for the opportunity to give back and help other real estate professionals in other countries,” said Jose, who also is a member of the PSAR Global Real Estate Council (he has served as co-chair of GREC). “I’m fortunate to be involved in outreach and extend my horizons. I’m passionate about working with the community and veterans. I have found that you learn in the process of teaching others.”

After serving in the U.S. Army, Jose’s varied career has ranged from education and training to environmental science, business, finance and real estate. He has worked as a health and safety inspector with the Florida Department of Health, commodity inspector with the U.S. Department of Agriculture, environmental planner with the U.S. Air Force and environmental engineering project manager with the U.S. Department of Defense.

He moved to San Diego in 1990, and began working in real estate sales in 1995. He was affiliated with several brokerages before founding his own brokerage called PK Realty in 2007. His clients have represented diverse backgrounds from both Mexico and the U.S. He has expertise in both in residential and commercial real estate.

“My goal is to provide my clients with excellent customer service and an experience that is enlightening, empowering, encouraging and definitely worth telling others about.”

Jose is also currently serving as commander of American Legion La Jolla Post No. 0275.

Jose is fluent in both English and Spanish and has remained an active learner in his career. He has attended El Paso Community College, Southern Illinois University, Central Michigan University, Azusa Pacific University and REALTOR®.University.   He is an alumni of Southern Illinois University and Columbia College. He also graduated with distinction from REALTOR®.University

Jose also has completed the Certified International Property Specialist (CIPS) Institute. The CIPS Institute, from NAR, provides REALTORS® with knowledge, tools and a worldwide network helping in serving international clients.

“It is an honor to serve as a GA and promote the REALTOR® brand through international REALTOR® membership, education, products and services,” said Jose. “NAR’s global mission statement is to render the global real estate markets accessible, profitable and ethical for REALTORS® to conduct business. To that end, Global Ambassadors work to help maintain NAR’s relationships with more than 100 real estate associations as bilateral partners in 85 countries around the world. We also help fellow NAR members understand business in the countries to which they are assigned.”

Jose encourages all PSAR members who may be interested in cross-border opportunities and who want to network with other international real estate practitioners to become involved with PSAR’s GREC.

PSAR’s GREC is dedicated to assist the needs of PSAR members who desire to expand their international outreach and help international capital investment clients to make informed transactions with effective counsel across multiple jurisdictions. The vision of the Council is to provide and facilitate educational opportunities to enable PSAR members to expand their practice and organize global-themed events. GREC can provide you with a platform to connect with individuals internationally. GREC offers PSAR members with the opportunity to learn and expand their niche market in real estate internationally.

Formed in 2013, PSAR’s GREC has hosted several educational events in recent years designed to assist PSAR members in helping international capital investment clients to make informed transactions with effective counsel across multiple jurisdictions. The training sessions have focused on cultural customs and diversity, as well as panel discussions and forums with international partners.

Topics: Announcements, Leadership, Government Affairs

Changes to CRMLS Rules - May 1st

Posted by PSAR Communication on Apr 15, 2021 9:45:00 AM

CRMLS rules and regulations

CRMLS users drive the changes made to our rules, MLS systems, and services. CRMLS doesn't make up rules on a whim – we follow the directives of Brokers and Agents.

Based on feedback from the CRMLS subscribers and participants, filtered through committees, and approved by our Board of Directors, a few changes to the CRMLS Rules and Regulations are being made.

Effective May 1, 2021, CRMLS is updating the Rules and Regulations and publishing them on the Compliance page of the CRMLS website.  Please read the two-page summary of the rule changes, located here.

Here's a brief overview of some of the most impactful changes:

  • 12.23 Business Days Definition. For all purposes of this ruleset, “Business Days” shall be defined as Mondays through Saturdays, not including holidays
  • Addition of new rule (14.5) regarding MLS staff modifying fields and data points within listings
  • In connection with new rule 14.5, violations of rules 7.8 (Mandatory Delivery of Listing Agreement) and 7.9 (Mandatory Submission Upon Marketing) may result in modifications being made to the DOM count of any listing at issue
  • Modification to rule 7.22 (Expiration, Extension and Renewal of Listings) to include the following: "The Listing Broker may modify the status of an expired listing within 7 days of the Expiration date. At any time and for any reason, the MLS has the right to request a copy of the seller's written authorization to extend or renew a listing." (Please note that this change may not reflect immediately or at the same time in all MLS systems.)

 Additional resources are available here:

Please familiarize yourself with the new rules as soon as possible. 

Topics: Announcements, Industry

AFFILIATE, BROKER/OFFICE MANAGER & REALTOR® OF THE YEAR AWARDS

Posted by Rick Griffin on Mar 19, 2021 4:16:04 PM

2020 REALTOR, Broker/Office Manager, Affiliate of the year

Congratulations to this year’s recipients of PSAR 2020's Industry Awards, including REALTOR® of the Year, Broker/Office Manager of the Year and Affiliate of the Year.

Honoring PSAR members who empower all REALTORS® through selfless contributions to our industry
(drum roll, please):

2020 REALTOR® of the Year Award recipients:
Rafael Perez, Central
Anthony Andaya, East
Yvonne Cromer, South

2020 Broker/Office Manager of the Year Award recipients:
Lupe Soto, Central
Carey Guthrie, East
Nikki Coppa, South

2020 Affiliate of the Year Award recipients:
Jake Holmes, Central
Ted Przybylek, East
Martha Garcia, South

More Criteria Information and Past Recipients

These award recipients were announced at this week’s online party celebration held in honor of these selfless members and also of the the more than 300 REALTOR® members who recently received a Real Estate Achievement and Leadership (R.E.A.L.) award. The party was hosted by PSAR’s Young Professional Network (YPN) group,

The R.E.A.L. awards program recognized PSAR’s top producing agents and brokers based on sales volume dollars or units sold, including listings or sales units entered into the MLS and closed in 2020. R.E.A.L. awards were presented to PSAR’s top 1%, 3%, 5% and 10% REALTORS®.

The primary mission of the Pacific Southwest Association of REALTORS® (PSAR) is to empower REALTORS® to achieve their business goals. The R.E.A.L. awards are a tangible recognition of the highest level of REALTORS® business achievement by agents, brokers and teams over the prior year.

“A hearty congratulations to everyone who received a 2020 R.E.A.L. Award plus these special annual award winners,” said Ditas Yamane, 2021 PSAR President. “PSAR's mission is to empower REALTORS® to flourish while being accountable to each other, our clients, and our community. All these award winners embody our mission. I am so very proud of everyone.”

___________________________

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth and development of the Real Estate industry in San Diego County.

Topics: Announcements, Events, Leadership

CONGRATULATIONS TO ALL PSAR R.E.A.L. AWARD RECIPIENTS

Posted by Ditas Yamane on Feb 26, 2021 2:00:00 PM

blogBanner - REAL AWARDS Graphic-1

The Board of Directors, members, and staff of PSAR extend sincere congratulations to the more than 300 PSAR REALTOR® members who are honored with a 2020 Real Estate Achievement and Leadership (R.E.A.L.) award!

The PSAR R.E.A.L. awards program recognizes San Diego county’s top 10 percent PSAR producing agents and brokers who qualified for their awards based on units and/or dollar volume production, coupled with noteworthy industry leadership, in the 2020 business year.

The REAL Awards program provides a platform upon which the high achievers in the San Diego real estate market stand and receive the well-earned recognition of their sphere, peers and the industry as a whole. These leaders are the cream of a realtor crop numbering more than 19,000 in San Diego county.

“A hearty congratulations to everyone who received a 2020 R.E.A.L. Award from PSAR,” said Ditas Yamane, 2021 PSAR President. “To all the award recipients, your award broadcasts the value that you bring to our industry. It is a testament to your achievements and leadership. All of us at PSAR are particularly impressed at the levels of sales reached by those receiving the award for 2020 production, given the very challenging landscape in which everyone had to conduct their business endeavors last year.”

The 2020 PSAR R.E.A.L. Awards Committee members included:

Robert Cromer
Yvonne Cromer
Charmaine Orcino-Gonzales
Lisa Lozoya
Tony Santiago
Amber Tannehill
Zoe Khetani
Ditas Yamane

PSAR staff members assisting the committee included Kevin McElroy and Sally Valdez.

We extend a special thanks to Reshia Guarnotta, who created all the graphics that are used for R.E.A.L. Awards marketing and promotions.

PSAR REALTOR® members received their R.E.A.L Awards based on CRMLS data extracts showing units sold and/or sales dollar volume for residential sales that closed in San Diego in year 2020.

Award recipients, both individuals and teams, who qualified for R.E.A.L. Awards fell into one of the following categories:

• Top 1%, over 30 sides or more than $27,064,246 in volume
• Top 3%, over 18 sides or $14,750,000 in volume
• Top 5%, over 14 sides or $10,834,000 in volume
• Top 10%, over 9 sides or $6,700,900 in volume.

Note that Award recipients are not eligible to receive both an individual and a team award.

PSAR Real Awards 2020

 

 

Names of the Award recipients are appearing in a full-page ad to be published in The San Diego Union-Tribune newspaper Sunday, February 28 edition. The ad can be viewed by clicking this pdf.

 

In addition, recipients will be invited to a YPN (Your Professional Network) R.E.A.L. Awards celebration from 4:00 pm to 5:30 p.m., Thursday, March 18, over Zoom. This event is a celebration of your 2020 achievements and those of your peers at a fun-filled activity hosted by PSAR's YPN! All REALTORS, brokers, and office personnel are welcome to attend. More details are forthcoming.

The primary mission of the Pacific Southwest Association of Realtors (PSAR) is to empower realtors to achieve their business goals. The R.E.A.L. awards are a tangible recognition of the highest level of realtor business achievement by agents, brokers and teams over the prior year.

PSAR has created a variety of options for sharing news of your accomplishments with your clients, family and friends. They are all stakeholders in the success you have achieved.

Recipients should have received an email with various graphics: an image that can be shared on social media pages (eg, Instagram and Facebook); an email banner for use in your email signature; a Zoom background image.

___________________________

PSAR's Mission is to empower Realtors to flourish while being accountable to each other,
our clients, and our community.

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth and development of the Real Estate industry in San Diego County.
Workshops are open to all REALTORS® and Affiliated Members. This class is free of charge.

Topics: Announcements, Events, Leadership