When commercial property owners and managersare asked about their portfolio’s greatest exposureto property damage, most invariably respond: fire.
When it occurs, the destruction left behind is often fairlysignificant, and may even be enough to warrant a minuteor two on the evening news. What many fail to realize,however, is that losses from flood pose a far more statisticallysignificant threat. In fact, during a thirty-year mortgage,there is a 10.5% chance of a property experiencing a fireand a 26% chance of a flood. Almost three times as likely,and yet flood insurance is often overlooked, and even moreoften misunderstood. Now, as another long and snowyMinnesota winter slowly gives way to spring, is a good timeto examine this specific coverage a bit more closely. Herewe will discuss how flood insurance works for commercialproperty owners and managers, and attempt to dispelsome commonly held misconceptions.
As those that have dealt with a property claim can attest,commercial insurance is very often an exercise in doublenegatives. Special Form ISO Property policy languagebegins by essentially granting coverage for everything, thenlimits coverage through a series of exclusions. Themandatory flood exclusion is one of these, and its broaddefinition suggests it should be referred to as the “waterexclusion” in order to more accurately convey its limitationsbeyond traditional “flooding” to insureds. In 2009, thisexclusion was more clearly defined as a response to thedevastation left by Hurricane Katrina and efforts by theinsurance industry to draw a greater distinction between thecoverage for damage caused by wind, which is covered,and water, which is not.
Since no private insurance carrier is able to profitably grantcoverage for losses from flood, in 1968 the federally fundedNFIP (National Flood Insurance Program) was established.This program, administered by FEMA (Federal EmergencyManagement Association), consists of 20,400 participatingcommunities to which flood coverage is available. Aproperty located within one of these communities will beassigned a predetermined “flood zone” that represents itsrisk of experiencing a flood within a certain timeframe,generally 100 years. Commercial properties, unlike dwellingsand condominiums, are subject to the General PropertyForm where up to $500,000 limits are available for anindividual structure, and losses are valued on an actual cashvalue basis, not the replacement cost to which most ownersand managers are accustomed. Flood Insurance is widely
MSCA Connection April 2013
ConnectionAPRIL 2013Flood Risk ------------------ FEATURE 1
Brandt/Pesavento ----- MEMBER PROFILES 3
Kosama/9Round -------- RISING STAR 3
MN Marketplace ----------------- 4
Property Management ----------- 5
Program Recap ----------------- 7
Legislative Update ---------------- 8
2013 Event Calendar ------------9Feature Article
What You Need To KnowAbout Flood Risk
1
continued on next page
by Jon Diessner and Jim Klym ofKraus-Anderson Insurance
available through independent agencies and carriers that arereinsured 100% by the NFIP.
The most common misconception held by property ownersand managers regarding flood insurance is that in order for itto be cost effective, the property in question must be locatednear a body of water, like a lake or river, where the threat offlood is obvious. In reality, the NFIP’s definition of flood refers,at least in part, to the rapid accumulation of runoff of surfacewater from any source. This can mean melting ice and snow,heavy rainfall, clogged storm drains, retaining ponds anddensely built developments. According to Travelers InsuranceCompany, nearly 25% of flood claims come from what wereconsidered “low-risk areas”. Flood claims like these averageroughly $70,000, so owners and managers interested in a morethorough examination of the risk to their portfolio couldbenefit from more accurate, third party flood mapping.
The most recent and concerning example of unforeseen flooddamage occurred without a drop of rain. During the
MSCA Connection April 2013 2
construction of the 222 Condo Building in DowntownMinneapolis late last year, a ruptured city water mainreleased millions of gallons of water onto city streets. Thisdeluge of surface water found its way into surroundingbasements and parking structures and caused a yetundetermined amount of physical damage to property andeven more in business interruption losses. While the finalinsurable result of this event is still being worked out, it isgenerally accepted that a significant portion of the total losswill be attributable to flood, and many may find that theyare without the protection of their property insurance carrier.
There is a saying in the insurance business that goes: After aloss, it’s always cheap. Perhaps with no other line coverageoutside the standard package does this ring more true forproperty owners and managers. Our unique geographicand sometimes volatile atmospheric situation here inMinnesota warrants a serious evaluation into a specificproperty’s exposure to flood losses. Ask your agent toprovide you with information regarding the NFIP or visitfloodsmart.gov. You may also request that they determinethe flood zone of individual properties under managementand provide a more detailed analysis using a variety ofsophisticated flood mapping software. After manydevastating events the common reaction is “I didn’t think itcould happen here.” Fire, tornado or hail all pose a seriousrisk to properties in every corner of the state, but the oneequally likely to occur, flood, may have been unwittinglydisregarded. As the snow begins to melt, it would be wise toreevaluate this important coverage.
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Flood Risk - continued
Kosama and 9Round are two new and expanding fitnessconcepts of the Chanhassen-based Snap Fitness. All threeconcepts are part of the ever-growing fitness segment that
emphasizes fast, convenient and affordable fitness. But Kosamaand 9Round differ from Snap Fitness in that their focus is toprovide specialized personal training in a challengingatmosphere without the high price of a personal training studio.
Kosama provides personalizedgroup fitness. Muscle confusion,nutrition and consultation are thecore components of the Kosamaprogram. The program is basedon the same scientific training principles used by world classathletes. Group training is led by certified exercise staff in anenergized and high intensity environment and is done in a smallclass setting that is perfect for people who are looking to pushtheir workouts to the next level and achieve a complete bodytransformation. The small class setting accommodates all fitnesslevels from beginner to elite athlete.
A monthly membership rate is charged that provides unlimitedaccess to classes for all members. Types of equipment includeheavy bags, kettle bells, suspension bands and similar typeequipment. The average facility size is 3,500 sf. There are threecurrent Minnesota locations; Shakopee, Minneapolis, andWoodbury with an additional one coming soon to Maple Grove.Plans are in place to continue expansion throughout the TwinCities metropolitan area, as well as across the country. Types oflocations are similar to Snap Fitness. Kosama works well in bothmulti-tenant retail centers and single tenant buildings. For moreinformation, visit www.kosama.com.
9Round brings boxing andkickboxing fitness training to allfitness levels in nine challengingworkout stations organized in acircuit format that is perfect foranyone looking to get anextreme workout in just 30minutes. The workouts involveaerobic (cardio), anaerobic andresistance training that is fast,intense, fun and designed for results. The circuit format allowsindividuals to proceed at their own speed and level frombeginner to elite athlete. A certified exercise staff member isalways available to provide assistance and motivation duringyour workout. With no set class times to worry about, memberscan come in and start a new set of “rounds” whenever theywant.
A monthly membership rate is charged that provides unlimitedaccess for all members. Types of equipment include heavybags, boxing equipment and similar type equipment. Theaverage facility size is 2,000 sf. There are two current Minnesotalocations: Eden Prairie and Rochester. There are over 60 currentlocations in the United States, and plans are to continueexpanding across the country in 2013. Because of its smallerfootprint, 9Round works best in multi-tenant retail centers. Formore information, visit www.9round.com.
What is your primary career focus?Capital MarketsWhat is your favorite Disney movie?Swiss Family RobinsonWhat junk food is your weakness?French Fries & MayoWhat makes you feel old?My friends having babiesWhat is something you have always wanted to try?Living on a boatIf you could hire out one household chore, what would itbe?Washing the floorsWhat is your favorite board game? CandylandWhat is your favorite alcoholic drink? Vodka SodaWhat was your favorite toy as a kid? My bikeHow many rings before you answer the phone? Depends onwho’s calling!What is something you said you would never do, but didanyway? I try to “never say never.”How long have you been an MSCA member? 3 years
MSCA Connection April 2013 3
Kosama and9Round
Rising StarMember Profi les
What is your primary career focus?Relationship Banking for CREInvestors/DevelopersWhat is your favorite Disney movie?Toy StoryWhat junk food is your weakness? CheetosWhat makes you feel old? Having myoldest son starting college this fallWhat is something you have always wanted to try?Flying a planeIf you could hire out one household chore, what would itbe? Dusting!What is your favorite board game? SequenceWhat is your favorite alcoholic drink? Gin and TonicWhat was your favorite toy as a kid? My BB GunHow many rings before you answer the phone? TwoWhat is something you said you would never do, but didanyway? Run a marathonHow long have you been an MSCA member? 10 years
CARL BRANDTBMO Harris Bank
ANDERS PESAVENTORyan Companies US, Inc.
by Greg Brenny, Fafinski, Mark & Johnson, P.A.
Dixon Diebold, ReUrban, LLC
Aaron Davis, U.S. Bank
NEW MSCA MEMBERS
MSCA Connection April 2013 4
April 2013
Minnesota Marketplace compiled by Jeremy Striffler,Cushman & Wakefield/NorthMarq
n n Cheers Pablo, a new art studio that offers classes andevents taught by local artists, is now open in Woodbury'sTamarack Village.
n n Kay Jewelers opened a new location at WoodburyVillage.
n n TCF Bank has opened a full-service branch for the firsttime in Wayzata, the western Twin Cities suburb the bank callshome.
n n A new 5,000-sf SpireFederal Credit Union openedat 9850 Blackoaks Lane North,off of County Road 30 next toMcDonalds in Maple Grove.
n n Oakdale is getting anothernew child care center. LittleMinds Learning Center willbe opening in Oakdale next tothe Novation Credit Union thisspring.
n n Blue Plate Restaurant Co., which owns concepts suchas the Edina Grill, The Lowry and Groveland Tap, plans to opena restaurant at 701 Washington Avenue North in Minneapolis’North Loop.
n n Morrissey’s Irish Pub opened in time for St. Patrick’s Dayat 913 West Lake Street in Uptown. It boasts nineteen beers ontap, including Guinness, Harp and Smithwick’s, along withlocals Fulton and Summit.
n n Rincon 38 restaurant is now open at 38th & Grand, withnine tables, an old world wine list and small plates priced $5-$10.
n n Acqua, a thriving White Bear Lake restaurant, isexpanding even farther afield with a Forest Lake location. Thenew restaurant will occupy a 7,100-sf facility on Second Lakethat formerly housed the Lake House Restaurant.
n n Popular Twin Cities pet supply chain, Chuck & Don’s PetFood Outlet, opened in Edina at the Yorkdale Shoppes at thebeginning of March.
n n Entrepreneurs Graham Barton and Genya Akselrod will beopening Thriftees, a vintage thrift and consignment store, onComo and 15th Avenue.
n n Roundy’s Supermarkets is closing its Rainbow Foods storein Robbinsdale. The 60,000-sf store at 3505 West BroadwayAvenue will close in April.
n n HomeGoods opened at Centennial Lakes Plaza in Edina.HomeGoods fills a 25,000-sf space formerly occupied byUltimate Electronics.
n n United Properties will develop two new retail locations forCaribou Coffee in Anoka and Oakdale. Both freestandinglocations will be about 1,800 sf and include a drive-through.
n n The latest truck success story isSushi Fix, which opened a restaurantlocation in Wayzata at 862 East LakeStreet in the Wayzata Village Shoppes.
n n The long-standing vacant K-Martstore on the southeast corner of Highway 7 and County Road101 in Minnetonka is no more. In its place is a new concept inentertainment called Big Thrill Factory, which opened inMarch.
n n Along with the openingof the Radisson Blu Mall ofAmerica hotel comes theopening of the hotelrestaurant: FireLake GrillHouse & Cocktail Bar.This is the second FireLakelocation, in addition to theFireLake in the Radissondowntown.
n n Joe’s Garage, alongtime dining staple inMinneapolis’ Loring Parkarea, closed at the end ofMarch.
MSCA Connection April 2013 5
Property Management
As consumers, we love the shopping center lights tokeep us safe at night; we love the convenience ofoutdoor trash cans; the flyers that retailers hand out
with specials are really helpful; and the more traffic there is,the more confidence a consumer has that the center isheaded in the right direction.
These same examples can benightmares for a residentialneighbor: the bright lights,blowing trash and too muchtraffic. So how can a propertymanager effectively addresstheir concerns while not makingit more difficult for consumersand not spend a lot of money?
Here are some simple tips on being a good commercialneighbor:
1. Ensure that parking lot lights are pointed down on the lotsand not spilling light across the street. Many electricalcontractors will do this at no cost when they are alreadyon your site to change out lamps or ballasts.
2. Make sure that your portering service contractor takes thetime to run across the street and pick up any trash thatmay have blown into the neighbor’s lawns or fences. Ifyou do not have a service that picks up the grounds, askthat the tenants swing by their neighbors at least once aday when they are addressing their own trash andgarbage cans.
3. Speed bumps are fairly inexpensive and very effective atslowing down vehicles. Slowed down traffic not onlydecreases the noise, but it also makes for a much saferparking lot.
4. Keep in contact with your residential neighbors. Sendthem a holiday card, call or email to check in with themfrom time to time and see if they have any concerns.
Many of those same neighbors frequent your center, somake sure they are happy neighbors as well as happyconsumers.
Dealing withResidentialNeighbors
394&100 • theshopsatwestend.com
Location. Location. We’ve got it!
Prime retail, restaurant and office space available. Contact Rich Bevis
or Mark Fallon 513-241-5800
Aggressive Strategies.
Lower Taxes.
Fredrikson & Byron Property Tax Appeals Group
Are you paying more than your fair share of property taxes? Let us take a closer look to see if we can assist you in getting a substantial reduction.
For a preliminary analysis, contact Tom Wilhelmy or Judy Engel at 612.492.7000.
www.fredlaw.com
by Ryan Burke, Kraus-Anderson Companies
Save The Date!
June 17, 2013
MSCA 22nd Annual GolfTournament
MSCA Connection April 2013 6
OFFICERSPresidentRonn Thomas, Cushman & Wakefield/
NorthMarq 1st Vice PresidentDeborah Carlson, Cushman & Wakefield/
NorthMarq 2nd Vice PresidentTony Barranco, Ryan Companies US, Inc.TreasurerBob Pounds, Colliers International |
Minneapolis-St. PaulSecretaryJennie Zafft, UCR Asset Services
DIRECTORSJesseka Doherty, Mid-America Real Estate –
Minnesota, LLCDaniel Gilchrist, Lindquist & Vennum P.L.L.P.Janet Goossens, Kraus-Anderson CompaniesTom Heuer, Aspen Waste Systems, Inc.Jim Hornecker, Coborn’sWill Matzek, Kimley-Horn and Associates, Inc.Jeff Orosz, CMAImmediate Past President (as Director)Paula Mueller, Northtown Mall/
Glimcher Realty Trust
COMMITTEE CHAIRS
GolfMichael Gross, The Ackerberg GroupMike Collins, Cutting Edge Property
Maintenance
Learning SessionCindy MacDonald, Kraus-Anderson
CompaniesKris Brandt, Azure Properties Inc
LegislativeLeah Maurer, Cushman & Wakefield/
NorthMarqPaul Berg
NetworkingMark Robinson, Mid-America Real Estate –
Minnesota, LLCJohnny Reimann, Mid-America Real Estate –
Minnesota, LLC
NewsletterGregory Brenny, Fafinski Mark & Johnson, P.A.Deborah Carlson, Cushman & Wakefield/
NorthMarq
ProgramJeff Orosz, CMACaleb Frostman, U.S. Bank
Retail Report Michael Broich, Target CorporationAnn Olson, BMO Harris Bank
SponsorshipWendy Madsen, Ryan Companies US, Inc.Kurt Stenson, Cushman & Wakefield/
NorthMarq
STARR AwardsLuann Johnson, Rochon CorporationEileen Engels, Verizon Wireless
MSCA LEADERSHIP
STAFFExecutive DirectorKarla Keller Torp(P) 952-888-3490 (C) 952-292-2414 (F) 952-888-0000Associate DirectorStacey Bonine(P) 952-888-3491 (C) 952-292-2416 (F) 952-888-0000
Layout DesignAndrea Komschlies (C) 612-327-0140
Minnesota Shopping Center Association8120 Penn Avenue South, Suite 464 | Bloomington, MN 55431www.msca-online.com
ACI Asphalt Contractors, Inc.
All Ways Drains LTD
American Engineering Testing, Inc.
Aspen Waste Systems, Inc.
Asphalt Associates Inc
BMO Harris Bank
Barna, Guzy & Steffen, Ltd.
Bremer Bank, N.A.
CBRE
CSM Corporation
Colliers International | Minneapolis-St. Paul
Cuningham Group Architecture, Inc.
Cushman & Wakefield/NorthMarq
Cutting Edge Property Maintenance
Faegre Baker Daniels LLP
Fendler Patterson Construction, Inc.
First American Title Insurance Co.
Fredrikson & Byron, P.A.
Great Clips, Inc.
H.J. Development, Inc.
Inland Real Estate Corporation
Jones Lang LaSalle
Kimley-Horn and Associates, Inc.
Kraus-Anderson Companies
Larkin Hoffman Daly & Lindgren Ltd.
The Lawn Ranger Outdoor Services
Leonard, Street and Deinard
Lindquist & Vennum L.L.P.
MFRA, Inc.
Mall of America
The Mandinec Group Landscaping Inc.
McGladrey
Messerli & Kramer P.A.
Mid-America Real Estate – Minnesota, LLC
Midwest Maintenance & Mechanical, Inc.
Minneapolis/St. Paul Business Journal
Minnesota Real Estate Journal
Oppidan, Inc.
The Opus Group
Paster Enterprises
Prescription Landscape
RLK Incorporated
Robert Muir Company
Ryan Companies US, Inc.
Smith Gendler Shiell Sheff Ford & Maher
TCF Bank
TCI Architects/Engineers/Contractor, Inc.
Target Corporation
Trautz Properties, Inc.
U.S. Bank
United Properties
Venture Mortgage Corporation
Weis Builders, Inc.
Wells Fargo Bank, N.A.
Westwood Professional Services, Inc.
Wipfli LLP-CPAs & Consultants
March 2013Featured Sponsors
Click oncompany logo to learn more.
2013 MSCA SPONSORS
Co-ChairsGreg Brenny, Fafinski Mark & Johnson, P.A.Deb Carlson, Cushman & Wakefield/NorthMarq
Committee:• Ryan Burke, Kraus-Anderson Companies • Jonathon Diessner, Kraus-Anderson Companies • Lindsay Gardenhire, Jones Lang LaSalle • Richard Jahnke, Sunbelt Business Brokers • Natina James, RSP Architects, Ltd. • Jim Klym, Kraus-Anderson Companies • Jacqueline Knight, The Ackerberg Group • Greg LaMere, Metro Equity Management LLC • Judy Lawrence, Kraus-Anderson Companies • Susanne Miller, Loucks Associates• Brandon O’Connell, Mid-America Real Estate – Minnesota, LLC• Jeremy Striffler, Cushman & Wakefield/NorthMarq • Eric Tuck, McGladrey • Vicki Van Dell, Loucks Associates • Nicole Wagner, Paster Enterprises • Susan Wilson, CBRE
Please contact anymember of theNewsletterCommittee withsuggestions or articleideas.
Notice throughoutthe newsletter, thatnames that aregreen andunderlined arelinked to thatindividual’s emailaddress.
NEWSLETTER COMMITTEE ROSTER
Member News
CSM Corporation Receives Community ImpactAward CSM Corporation received the honor at theinaugural Community Impact Awards, held February 21 atthe University of Minnesota McNamara Alumni Center. Theawards were established by Minnesota Business magazineto recognize companies and company initiatives thatmake a positive impact on Minnesota communities. CSMCorporation received the “Workplace Giving CampaignAward,” which celebrates a successful employee giving orvolunteer campaign created by a company for a specificnonprofit organization.
MSCA Connection April 2013 7
March’s program focused on retail development inthe city of Edina and how the first-ring suburb hascontinued to be a successful, established retail
community. The panel was comprised of: Bill Neuendorf,Economic Development Manager for the city of Edina;Lauren Carpenter, Director of Marketing and BusinessDevelopment at Simon Property Group and Jeffrey A.Herman, President of Urban Anthology. The moderator wasLisa Diehl, Principal of Diehl and Partners, LLC. The panelistsdiscussed Edina’s Commercial Districts.
In 2013, the city of Edina celebrates its 125th anniversary. Thevillage of Edina was created from a portion of the RichfieldTownship on April 5, 1888. Edina has grown to what is todaywith over 48,000 residences, an abundance of retail,services and an area of continued growth.
The 50th & France area is only a four square block area ofprime retail, in which retailers thrive off of one another. Thereare three shared public parking lots located in the north,middle and south regions of the 50th & France area, whichamounts to the largest quantity of free parking of anyneighborhood commercial area at 1,500 parking stalls. Theconstruction plans for additional parking were put on holddue to the unsustainable cost; today the city of Edina isresurrecting the plans and moving forward. In response toproblems associated with the disruption of construction onthe public and local retailers, the plans for additionalparking include first creating new parking and thenredeveloping the current parking.
Southdale Center is 1.3 million sf of retail and the first everenclosed mall in the Twin Cities. Simon’s 2007 purchase ledto redevelopment and Herberger’s replacing Mervyn’s,which closed in 2004. Every entrance has been redone, achildren’s play area and a brand new dining area pavilionhave been added, and an abundance of new retailersincluding Sephora, Francesca’s, Lucky, Soma, Madewell,Michael Kors, Bath and Body Works and ThingsRemembered, to name a few, have been added.
Recent projects to the Edina area also include a new retailredevelopment and Whole Foods Market. Some projects tolook for on the horizon are: Edina Medical Plaza, TransitCenter, Southdale Apartments, Byerly’s on France andbetter connections on the France Avenue streetscaping aswell as the Grandview District project currently indevelopment.
Program Recap
by Nicole Wagner, Paster Enterprises LLC Professional Showcase
The Lawn Ranger is one ofthe oldest and largest full-service outdoormaintenance companiesserving the Twin Citiessince 1985. They are aone-stop horticulturalcompany for lawnmaintenance, snow andice management, arborcare, design build andseasonal color.
Edina: The GrandeDame BloomsAgain Speakers (l to r):
Jeffrey A. Herman, Urban Anthology | Bill Neuendorf, City of Edina | Lauren Carpenter, Simon Property Group |Lisa Diehl (moderator), Diehl and Partners, LLC
MSCA Connection April 2013 8
The MSCA Legislative Committee has been working very hard to remove the proposedbusiness-to-business service tax and sales tax on clothing from the Governor's proposedbudget as it would negatively impact the shopping center industry. Through our hard-fought
efforts, in mid-March, the Governor eliminated the business-to-business service tax and sales taxon clothing from his revised budget but that does not mean all business services or even theclothing sales tax are permanently off the table. It is imperative that we continue to advocatefor our businesses and our industry. If you're not at the table, you're on the menu!
Here's what you can do to help:
- Contribute to the MSCA Legislative Fund - This supports our lobbying efforts, creation and mailing of our Economic ImpactStudy brochure to the Governor and Legislators, our sponsorship and critical attendance at Business Day at the Capitol, andour one-on-one meetings with Legislators.
- Send us your Home District (or your home address and we can look it up for you) - This helps us when we speak withLegislators in your district to show how many of their constituents are members of MSCA.
- Reach out to your Representatives using the online Legislative Toolkit - Visit the MSCA website's Legislative Committee pageto utilize the Legislative Toolkit which provides talking points and a letter template for reaching out to your Representatives.
Legislative News by Leah Maurer, Cushman & Wakefield/ NorthMarq
Legislative Call to Action
Hot App
Evernote
This month’sapp tip isEvernote. It isthe app thathelps youremember everything. Install iton all your devices, includingphone, computer, ipad andyour information isautomatically synced. Youcan store many different typesof content, with the mostcommon being simple text.Write a note to yourself, a to-do list, save a photo or aportion of a web page youlike or an email that you wantto remember. And, yes – it’sfree. Check out Evernote.
If you know of a great appthat MSCA can feature,please email it to Stacey.
Member Stories / Deals - send them in!
Everyone has a great deal story – especially when they were firststarting in the real estate business. And we want to hear yourstory.
We are planning on publishing an upcoming MSCA newsletterarticle that will share as many of our member stories that we can.The deals that you learned from, the ones that make you smileeven today when you think of it, the ones that because of – or inspite of – kept you going to the next deal to the success you aretoday.
Plase send your first deal stories to [email protected].
We can’t wait to read them.
29 Awards Won
INC 5000 Fast Company List
93% Growth In The Last 3 yrs
#1 Reporting System In MN
Luck had nothingto do with it!
Luck had nothingto do with it!
HorizonRoofingInc.com612-333-1481 320-252-1608
MSCA Connection April 2013 9
MSCA Events
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To view MSCA program presentations, click here.
CALENDAR KEY
February March
April June
August September
November December
Golf!
Click on date within currentmonth for details andregistration link for that meeting.
2013 CALENDARFor more information and registration, go towww.msca-online.com
Monthly Program
Third Thursdays
Learning Sessions
Business Day atthe Capitol
Bowling!
THANKS MAUI WOWI!
MSCA would like tothank Maui Wowi atRosedale Center forgraciously hostingMSCA’s March ThirdThursday.
www.mauiwowi.com
MSCA Connection April 2013
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