|
|
Business-related columns and commentary
Ben Brancel: DATCP's Trade and Consumer Protection Division helps keep Wisconsin open for business
By Ben Brancel
Consumer confidence is a key to a strong economy. So is a fair and open marketplace where reputable business owners can thrive without unfair or illegal competition. Confidence, fairness and knowledge are what we provide at the Department of Agriculture, Trade and Consumer Protection.
Governor Scott Walker has made it clear, we should do everything we can to protect the public while making sure businesses can survive, grow and create jobs. DATCP’s Consumer Protection Division will continue to be aggressive when it comes to investigating scammers and businesses that continually use unfair or deceptive practices but we will also work equally as hard at helping well-meaning business owners maintain compliance.
Our Trade and Consumer Protection division has the authority to investigate consumer complaints and enforce violations of consumer laws. In 2011, Consumer Protection recovered more than $7 million in restitution and forfeitures. In a highly publicized case this year, we reached a $250,000 settlement with a mobile phone company. We were able to set up a restitution process for customers who experienced billing and credit problems without having to spend the time or tax payer money on lengthy court action.
Sometimes, however, we turn over our investigative results to the Department of Justice for prosecution. Last year, a joint effort by the two agencies led to a $144,000 settlement with a No-Call telemarketer violator. It could have meant a lengthy court battle but again a settlement was reached, the largest No Call settlement in the program’s history.
We have steadily strengthened the Trade and Consumer Protection Division from where we found it in January 2011. We’ve updated our hotline and other systems to make them more user-friendly. We’re updating our rules to make them more relevant and effective.
The laws the legislature has put in place and the rules we have to enforce those laws not only protect consumers but they also work to prevent unfair competition that could hurt the reputable business owners who are trying to do things right. The department investigates complaints covering a variety of areas most people may not even realize such as identity theft, hazardous toys and other product safety concerns, plus landlord/tenant issues.
Our Weights and Measures staff is continuously checking gasoline pumps, retail store scanners and other scales around the state to make sure the consumer or buyer is getting what they’re paying for when they purchase an item or product. Nearly 197,000 inspections were made in 2011 saving the Wisconsin family an average $600 dollars a year. Just this month we announced a $36,908 settlement with a national food processor for selling a product that weighed less than the label claimed.
Producers of agricultural related products are buyers and sellers too. While DATCP’s Food Safety Division makes sure the food produced and sold here is safe for us to eat, the Trade Practices team inspects fruits and vegetables for quality. DATCP inspectors in Superior make sure every grain shipment that leaves that Wisconsin port meets USDA certified standards and is the high quality product our international trade partners expect and demand. They test samples from every trainload of grain that is delivered to the port and every ship leaving the port for other parts of the world, which amounts to millions of bushels a year.
The Agricultural Producer Security (APS) section monitors the financial condition and business practices of Wisconsin processors to provide reasonable assurance that agricultural producers and producer agents will be paid for milk, grain or vegetables delivered to licensed contractors. It oversees more than $6-billion dollars of payments to producers for the agricultural goods that they sell and also monitors more than 100-million bushels of storage space. If there is a legal violation in a business transaction with a producer, the APS section works to bring the buyer into compliance so it can continue doing business in the state. If a buyer defaults on its obligation or payment to producers, there is an industry funded security account in place to help compensate farmers for the loss that is suffered.
Knowledge is power and DATCP’s Trade & Consumer Protection Division’s mission is to make sure consumers, buyers, sellers and businesses have the knowledge they need to identify, stop and avoid fraud and unfair business practices. One way we do that is through our Consumer Information Hotline which handles an average 150,000 calls and contacts a year.
Our goal is to supply honest, truthful information so consumers and business owners can make good decisions with confidence. Consumer confidence will translate into consumer spending which in turn means more business opportunities and more Wisconsin jobs. And that’s what it’s all about.
GreenBiz: Kwik Trip commits to natural gas
By Gregg Hoffmann In the past, many vehicle manufacturers said they would produce more natural gas vehicles if the fuel was available in more places.
Meanwhile, fuel station owners said they'd offer more natural gas if more vehicles ran on it.
Kwik Trip, a La Crosse-based convenience and fuel chain, wants to change that discussion.
"We don't like to hear statements like that," said Chad Hollett, director of Kwik Trip's distribution division. "It can lead to the conclusion that the problem is unsolvable. We don't believe that is so.
"Kwik Trip has decided to take the lead and connect the dots in our tri-state region (Wisconsin, Minnesota and Iowa, where the company is known as Kwik Star). We want to create a functional infrastructure for natural gas."
Connecting the dots and creating a functional infrastructure mean Kwik Trip will provide natural gas at several fueling stations, add 20 natural gas vehicles, and eventually more, to its own fleet and provide technical assistance and research to companies that want to convert to natural gas.
Kwik Trip kicked off this effort with what was billed as the largest natural gas trade show and summit in the country Thursday at its La Crosse campus. More than 50 vendors took part in the event. Seminars were offered by the Clean Vehicle Foundation, Xcel Energy, Chesapeake Energy, General Motors, CenterPoint Energy and Paccar/Wisconsin Kenworth.
The first Kwik Trip natural gas fueling station was opened at its own Fleet Center on April 10. The price was listed at $1.56 per gallon, less than half what gasoline was selling for at the time.
This month, Kwik Trip is opening a station in downtown La Crosse and Sturtevant in Racine County. In the fall, stations will be opened in Oshkosh and Rochester, Minnesota.
"Our goal is to provide natural gas alternatives along all major corridors in our service area," Hollett said.
Plans call for expanding availability of natural gas throughout the current network of Kwik Trip stores and in new locations.
CEO Don Zietlow credits a friend of his grandson with making the company more aware of the potential of natural gas. The friend, a part-time employee of the company, became familiar with compressed natural gas while serving in the Merchant Marine.
"If we can use natural gas from our own country, and not import all that crude oil, how much better that will be for the country," Zietlow said. "It's the right thing to do."
Natural gas comes in compressed form (CNG), gas under pressure which remains clear, odorless and non-corrosive. Liquefied natural gas (LNG) is produced when natural gas is cooled to minus 259 degrees Fahrenheit. Because of LNG's increased driving range, it is used in heavy duty vehicles, grocery trucks and transit buses, according to Steve Zeitlow, Don's son and director of petroleum operations.
Ruanna Hayes, alternative fuels specialist for Kwik Trip, believes CNG is the fuel of the future. "We'd like to see it become more mainstream." she said.
Kwik Trip emphasizes that natural gas can be pumped in a similar way to gasoline. The company has produced information brochures and online information on steps to fueling a CNG vehicle.
Proponents of natural gas maintain it burns cleaner than gasoline or diesel fuel. The proponents also point out that natural gas is abundant in North America and can be produced domestically at a relatively low cost.
Primarily because of the cost factors, trucking companies, transit organizations, school bus companies and others are very interested in natural gas. Vendors at the May 10 event included Mack Truck, Peterbilt, International, Volvo, Honda, GM and other truck manufacturing companies.
Federal tax credits and other incentives for CNG vehicles expired at the end of 2011. The Walker administration distributed about $8.4 million in federal funds through the State Energy Office for infrastructure and vehicles.
Kwik Trip received a small state grant for the fueling station, but primarily is using its own resources in its effort.
"We feel strongly it can stand on its own," Hollett said. "We feel it is the right thing to do and makes business sense."
Labels: Gregg_Hoffmann
Tom Still: Madison businessman helps promote 'urban mining' at home, abroad
By Tom Still Neil Peters-Michaud doesn't look much like a miner. He doesn't carry around a pickax or wear a hardhat, but he's uncovering deposits of gold, silver, copper and other minerals every day.
That's because Peters-Michaud is "mining" the growing, and increasingly valuable, stream of electronic waste that is a byproduct of the information age in the United States and worldwide. His story demonstrates how profit and recycling can go hand-in-hand.
Neil and his wife, Jessica, are co-founders of Cascade Asset Management, a company that sounds like it should be handling financial transactions. Instead, it processes a different kind of asset – old computers, monitors and other electronic hardware.
Founded in 1999, the company has plants in Madison and Indianapolis, employs about 70 people and has total revenues of about $6.5 million per year. It collects between 300 and 400 tons of computers, office electronics, consumer electronics and test equipment each month from sites across North America. That equipment is disassembled, wiped clean of data and "mined" for recoverable materials, which often include dangerous lead and mercury. Some equipment is refurbished and sold.
Cascade Asset Management, like many other U.S. companies in this field, has that process down to a science. That's not the case in much of the developing world, which has become a dumping ground for electronic equipment that is not always recycled with human and environmental safety in mind.
"There are good and bad recycling operations in every country, but in many places around the world, it's a serious problem," Peters-Michaud said. "It is usually boils down to economics – lower labor costs and environmental laws that encourage dumping."
Peters-Michaud has put his experience to work by helping establish high-tech recycling and refurbishing centers abroad, including a center near Addis Ababa, Ethiopia, where he has traveled five times since 2007. Africa is a continent where tons of electronic equipment is shipped for disposal, but only a relative handful of centers exist to safely do the job.
The Ethiopian center is largely operational today and selling recycled materials, as well as refurbished computers. One buyer of used steel is about a mile from the plant.
"It's the most closed-loop recycling I've ever seen," Peters-Michaud said of the steel buyer.
A positive side-effect of the Ethiopian project is the spread of information technology in Ethiopia, which Peters-Michaud described as a "Communist country" in governance but which is slowly building a market-based economy.
"Access to information has been very interesting for the development of democracy there," he said.
China is another destination point for electronic waste, in part because that nation is clamoring for recycled materials of all types.
Container ships that unload finished goods in the United States are often filled – at bargain shipping prices – with used electronics equipment for shipment to China. It is an export business for the United States, actually reducing the trade imbalance with China, but Peters-Michaud believes that material could be put to better use at home.
"It would be to our advantage if more processing of these materials took place in the United States to generate clean material streams that could be used in innovative manufacturing processes here," he said. "The problem is that it would, at least short-term, cost more."
Then again, environmental costs in China and elsewhere are high. Investigators who have visited some non-U.S. waste sites witnessed men, women and children pulling wires from computers and burning them at night, fouling the air with carcinogenic smoke.
Other laborers, working with little or no protection, burned plastics and circuit boards or poured acid on electronic parts to extract silver and gold. Many smashed lead-laden cathode ray tubes from computer monitors. The results: Water and air poisoned by lead and mercury.
It's a problem that has attracted the attention of world organizations such as the International Business Leaders Forum, the World Bank and the United Nations, through which Peters-Michaud occasionally consults.
Entrepreneurs such as Peters-Michaud are using their expertise to teach others but also to keep a larger share of a growing business at home. The electronics industry has deep American roots; so should the emerging "urban mining" industry that recycles its waste.
Labels: Tom_Still
Dan Danner: Small business calls for end to "gotcha government"
By Dan Danner There's one less bureaucrat at the Environmental Protection Agency now. The arrogant senior official slipped, publicly expressing the Obama administration's view that punishment akin to ancient Roman crucifixion awaits any business that dares oppose the powerful bureau.
In typical Washington fashion, a media storm arose, the official resigned and the head of EPA quickly apologized. But the administration, rather than denouncing its philosophy of law enforcement by fear and intimidation, opted to merely save election-year face by rushing the trouble-maker out of the spotlight.
American small-business owners are not easily fooled by such tactics, nor are they intimidated by a government intent on piling on greater and more punitive regulations. These entrepreneurs are pushing back against over-zealous enforcers who could care less about the cost and impact of excessive rules.
Recently, the National Federation of Independent Business, which is awaiting a major Supreme Court decision on its suit against President Obama's health reform law, raised the voice of small business to another challenge, urging justices to rein in the IRS for overstepping its audit authority. The high court agreed, saying the tax collector was fudging its regulations to double the time it could impose additional taxes on understated income.
NFIB is not only squaring off against big agencies such as EPA and the IRS, but the organization is contesting activities of the National Labor Relations Board, the Department of Labor, and other oversight agencies that have launched campaigns to punish businesses instead of helping them. This approach makes absolutely no sense in times of economic weakness, but advancing the government's anti-business agenda is apparently a greater priority.
NLRB, dominated by pro-labor political appointees, has dropped any pretense of trying to fairly balance labor law. It is driving headlong to undermine employers' efforts to counter union organization attempts with a new rule that would drastically cut the time from petition to ballot. And the Democrat-controlled U.S. Senate has sided with the agency, allowing labor bosses to continue their intimidation of vulnerable small firms.
Meanwhile, the Labor Department is rolling out several new management requirements for small businesses ranging from demanding they foresee future work hazards to informing workers how their status and pay are determined to inhibiting business' use of expert labor advisors.
Also exercising its muscle against small business is the Occupational Safety and Health Administration which brags of more than doubling the average penalty for safety violations as a way to set an example of toughness. That sets an example alright, but it's one that disgusts today's entrepreneurs and discourages future generations who hope to launch their own small businesses.
Main Street is tired of the arrogance, intimidation and disrespect delivered daily by this administration. They've had enough and they're taking their case to Capitol Hill with a strong message that will be heard from now to Election Day: America cannot afford this excessive regulation and gotcha-style government. It is a disastrous prescription for a troubled economy.
Labels: Dan_Danner
Book review: "The Shallows: What the Internet is Doing to Our Brains"
By Terri Schlichenmeyer
c.2010, W.W. Norton & Company $26.95 / $33.50 Canada 256 pages
You've tried three times to finish reading that report today, and you just can't do it. You never finish more than a few paragraphs before the words start swimming in front of your eyes.
It's not a boring report; in fact, you normally find these things very interesting. So what gives? You don't have any problem reading your newspaper, a magazine, or an article online...
And maybe that's from where your newly-developed trouble springs. The internet, says author Nicholas Carr, has stealthily changed the way your brain operates, and in his new book "The Shallows: What the Internet is Doing to Our Brains" he explains what that means for our future.
This morning, when you booted up your computer to check email, chances are that wasn't all you did. Admit it: you checked last night's score, your horoscope, the headlines, and stock prices. You bank online, research, shop, renew, upgrade, and network. And you've been doing it for years.
The internet, says Carr, is a tool and, like most tools, it changes the way society works. If you don't believe it, imagine what life was like before Gutenberg revolutionized printing or Ford improved manufacturing. Imagine what it was like just a hundred years ago without TV, cell phones, fast travel, and yes, the internet.
Science has proven that when humans use tools, our brains adapt to the tool itself. If you repeatedly pick up a gadget, for instance, your brain eventually sees it as an extension of your hand, and re-wires to accept the item automatically. In much the same way, your brain has adapted to the 'net.
But because the internet is "bidirectional" – meaning that we can send and receive information – its effect on the brain is a little more insidious. Carr says that the internet actually promotes shorter attention spans. Links to unrelated topics, brief articles, immediacy of information, and the multitudinous things one hooked-up computer can do have all wired our brains to move, scan, and deviate, lightning-quick. That's changed the way we read, comprehend, and work - and not, he says, for the better.
The problem with our new, shortened attention span is that "deep thinking" is difficult-to-impossible. Memory suffers, too, both long-term and short-term. Work on a computer for awhile, and writing long-hand feels weird. And staying targeted, on- or offline, becomes an increasing challenge.
I found it extremely ironic that I had a hard time reading this book, but not for the reasons you'd think. "The Shallows", as it turns out, felt unfocused to me.
Author Nicholas Carr ominously reveals many frightening things that we, as a culture, need to heed. He does an amazing job in cautioning readers about the maybe-too-late, shocking dangers of a society run online. In between the good points, though, esoteric literature, highbrow language, and belabored (and often obscure) historical information made it hard to maintain interest.
So which wags the dog here, online or off-subject? That's up for interpretation, but I believe this: either way, for most business-minded readers, "The Shallows" is way too deep.
Labels: Terri_Schlichenmeyer
Ben Brancel: Grow Wisconsin Dairy 30x20: Myth vs. reality
By Ben Brancel
More than a month after Governor Scott Walker launched the Grow Wisconsin Dairy 30x20 initiative there still seems to be some confusion and misinformation going around on what this initiative is all about. Yes, we would like to "achieve an annual milk production of 30 billion pounds by 2020" as the Governor said in his news release dated March 13, 2012 but he also said this. "The goal of the Grow Wisconsin Dairy 30x20 program is to improve the long-term viability of Wisconsin's dairy industry through services … to meet the growing demand of the marketplace". That has been the goal since day one.
The Grow Wisconsin Dairy 30x20 Initiative is not simply adding "another 1,000 cows" to a farm as some have implied. It is a program offering public and private services to farmers, whether they are long time operators or just getting started, that will help them decide on solutions to be more efficient, add value to their operations and improve their profitability. That may mean some farmers will expand, but others may turn to grazing, begin organic certification, improve herd health and per cow production or transition the farm from one generation to the next. From the very beginning we have made it clear that Grow Wisconsin Dairy 30x20 is ready to assist every dairy farmer no matter the size of the farm or the method of farming. Our overall objective is to help every individual who wants to dairy be profitable. Every profitable farm means milk for the future to meet the 30 billion pound goal.
Dairy farmers are taking advantage of the program. So far, more than 140 people have contacted our Dairy 30x20 staff with various questions. We are currently reviewing 58 grant applications. But even after grants are awarded, dairy farmers can still call or email to find the resources they need to make their operations more profitable.
Another point that seems to have gotten lost is that there is a demand for more milk here in Wisconsin. That may not be true for the nation's supply as a whole but the demand for milk by our Wisconsin dairy product processors is great because our processors are innovative in product development and successfully looking to the marketplace both domestically and abroad for sales.
Before the program was launched, we sat down with state dairy farmers and processors to find out what they needed to be more profitable and sustain long-term production. We discovered Wisconsin dairy farmers are only supplying 90% of the milk needed to produce the high quality cheeses this state is known for. The dairy processing industry invested more than $80-million in modernization and expansion last year and with more planned this year, plus new cheese plants coming on line, the demand for fresh, high quality Wisconsin milk will be even greater.
Anyone who follows milk prices knows there will be fluctuations during the eight year goal we set of reaching 30-billion pounds of milk. At the federal level, Congress has begun its debate on the next Farm Bill and while we don't know the outcome, hopefully our elected officials will recognize the need for a market-oriented policy that encourages sustainable economic growth in the agricultural industry both now and long into the future.
In the meantime, at the state level, we have to focus on what we can do to position our industry to be successful. Currently, Wisconsin's cheese production accounts for 25% of the marketplace. If we drop below that spot, others will step in to fill the void and it will be difficult to regain that market share. One only has to look at other regions of the country to know what could happen to our dairy industry if infrastructure is allowed to crumble – there will be fewer buyers of milk and fewer suppliers of services needed by our dairy farmers.
So, with an eye to increased profitability and long term sustained production, no matter the type or size of farm, we encourage dairy farmers to call the toll free number, 855-WIDAIRY (855-943-2479) or email us here at DATCP GrowWisconsinDairy@wi.gov and discover the resources that are available to help keep their operation profitable and Wisconsin's dairy industry strong and proud.
Labels: Ben_Brancel
Tom Still: With magazine rankings on business climate, perception can become reality
By Tom Still
The first thing to recognize about magazine polls on state business rankings is they are all, by nature, subjective.
That's not necessarily bad, of course, and it's not meant in the least to downplay the fact that Wisconsin has climbed to No. 20 on the list of "Best States/Worst States" list published by Chief Executive magazine.
In fact, it's intended to underscore the importance of public perception when it comes to economic development.
Two years ago, Wisconsin was ranked 41st in the Chief Executive rankings, one of many such rankings published by national trade magazines that follow the economic ups and downs of the 50 states. This year, Wisconsin ranked 20th – thanks to a 17-place leap the previous year and four more notches up in the 2012 rankings.
Because the Chief Executive rankings rely in part on a survey of C-level executives around the country, it reflects perception as much as it does hard statistical fact. For many of those execs, the word is out that Wisconsin's budget is coming back into balance, that tax burdens are moderating, and there are strong incentives to grow, retain and attract businesses.
Chief Executive writer Dale Buss, who once worked in Madison, took note that part of Wisconsin's climb is based on how it treats entrepreneurs.
"The state ranked fourth last year in tax costs on new firms, as calculated by the Tax Foundation, and a Kauffman Center Index on Entrepreneurial Activity showed Wisconsin with the seventh-largest rise last year among the handful of states that did better at all," he wrote.
The magazine also cited Wisconsin's new public-private approach to economic development, led by the transition of the former Wisconsin Department of Commerce into the Wisconsin Economic Development Corp.
"In the short time since WEDC was formed, we've created a groundbreaking model for advancing target industry sectors—one which delivers customized programs that support significant job creation," said Secretary Paul Jadin in reacting to the magazine rankings. "We've refocused and expanded our international outreach efforts. And we're taking innovative steps for entrepreneurial support through early stage investment strategies."
The magazine also praised specific sector initiatives, such as Wisconsin's drive to become the nation's water-technology leader, and its innovative tax credit program for angel investors. Since they took effect in January 2005, Wisconsin's angel tax credit program and related efforts have increased angel investments from less than $2 million to more than $61 million.
Make no mistake, the rankings also reflected politics. The Chief Executive survey reflected the anti-union sentiments of some business leaders, who scored right-to-work states higher and who praised Gov. Scott Walker for his fight with key public-employee unions.
For the record, Texas was No. 1 and the top-tier of the magazine's rankings reflected the usual mix of Sunbelt and Rocky Mountain states. California, which is fighting a massive exodus of talent and companies, was a dismal 50th.
For Wisconsin, it was instructive to see how the rest of the neighborhood is doing. Indiana was fifth on the list, thanks to a steady record of attracting venture capital and keeping taxes in line, while Iowa was 22nd, Minnesota 36th, Michigan 46th and Illinois 48th. Just beyond our immediate borders, North Dakota was 15th, South Dakota 19th, Missouri 24th and Ohio 35th.
State-by-state rankings on just about anything from bicycle paths to food to alternative lifestyles sell magazines, so it's no surprise that so many publications take a hard, regular look at state business climates. In a country where commerce flows freely over state borders, those kinds of facts and perceptions matter.
While rankings in individual rankings should be taken with a grain of salt, the collective picture can be important. If Wisconsin is on the rise – or perceived as much – in the eyes of editors, writers and pollsters in a number of locations, it becomes easier to make the case that there's more behind the rankings than just fluff.
So, let's accept the good news while we can – and continue to make the case that Wisconsin's new-found perception is truly reality.
Labels: Tom_Still
Book review: "Zilch: The Power of Zero in Business"
By Terri Schlichenmeyer
c.2010, Portfolio $25.95 / $32.50 Canada 246 pages, includes index
It's budget time, and you've been going over your plans for the year ahead. And as your eyes sweep over the pages, several words come to mind ...
Thin. Slim. Small. Cut, slash, eviscerate, butcher, chop, and several other euphemisms for painful carving. Also: uh-oh, awww-no, oh-heck, and a few other things you can't say in front of your mother.
How can your business ever hope to thrive and grow on such increasingly meager budgets? Find out what non-profits do by reading "Zilch: The Power of Zero in Business" by Nancy Lublin.
While sitting in a planning meeting at a "ginormous" global company whose employees were bemoaning a lack of funds, author Nancy Lublin gently, timidly suggested a few inexpensive solutions to the got-no-money problem.
Her ideas were met with silent looks, as if she was "the firstborn spawn of beings from another planet."
It was then that Lublin realized that for-profit businesses could learn a thing or ten from businesses who are used to working with nothing or less. She decided to write a book, based on what she learned in her seventeen years of running a not-for-profit business and what she could glean from colleagues.
"I realized that what we have to offer," she says, "can be boiled down to one concept: the power of zero."
First lesson: do more with less cash. Bonuses, raises, and other incentives are fine, but that's not always what motivates employees. Hire people with passion for what you do; they'll work harder and smarter. Offer them opportunities to build skills, and never forget the importance of fun.
Keep your brand simple, unique, consistent, and relevant. Stick with one thing when branding, and utilize "ambassadors" in every facet of your business. With that in mind, choose your partners wisely and remember that word of mouth is the most effective method of marketing, ever.
When you are in need of help, money, or services, learn to ask wisely and be specific. Never confuse business with friendship. Be shameless, but don't ask for money – even if that's what you really need. Then, do more for customers and never underestimate the power of the lagniappe. Be strict with your budget. Learn to barter. Be innovative.
Does budgeting make you want to eat antacids for dinner? You won't need them if you take a big bite of this book first.
You might even need two bites.
Author, founder of Dress for Success, and current CEO of DoSomething.org Nancy Lublin used her own experiences and that of colleagues to show for-profit businesses that being budget-challenged isn't the end of the world. "Zilch" is absolutely packed with hundreds of ideas, instructions, and tips; so many, that it seems overwhelming at times and, in fact, you may want to take time to read this honest, helpful book twice.
If you can't seem to find the words for your skinny financial business plan, here's over 230 pages full of them. For you, "Zilch" is a book to budget for.
Labels: Terri_Schlichenmeyer
|
BizOpinion site feed