Everything you need to know about the Paycheck Protection Program
The $349 billion Paycheck Protection Program (PPP), which opened Friday, April 3rd, offers federally backed loans of up to $10 million to employers with fewer than 500 workers as an incentive for employers to retain workers during the pandemic and resulting economic crisis. The loan amount is calculated based on 2.5 times the total average monthly payroll cost payment that was incurred by the business in 2019.
The PPP program is administered by the Small Business Administration (SBA) through local lending institutions. You can apply for PPP loans immediately – there is no need to demonstrate economic injury in order to qualify for these loans. Consequently, high demand is anticipated for these loans and you should apply as soon as possible. The program became available as of April 3rd.
IMPORTANT NOTE: PPP loans are largely incompatible with several other COVID-19 relief programs for small businesses (in other words, you cannot take advantage of both PPP and these other programs), including:
The SBA Economic Injury Disaster Loan Program (EIDL) – only available to organizations that have already sustained substantial economic injury; they cannot be secured in anticipation of potential economic injury. Exceptions to this incompatibility with PPP are noted in the description of the PPP loan program below.
The Employee Retention Tax Credit
The Payroll Tax Deferral program
A brief overview of these programs is provided later in this document.
Small businesses that are eligible for PPP loans include sole proprietorships, independent contractors and self-employed persons. The core eligibility questions are:
Were you in business as of February 15, 2020?
Did you have employees or independent contractors at that time?
Do you have less than 500 employees/independent contractors on your payroll?
Do you certify that the uncertainty of current economic conditions makes the loan request necessary to support ongoing operations?
NOTE: Even if a larger architecture firm – 500 or more employees -- has locations with fewer than 500 employees, they are considered “affiliated” and not eligible for the franchise/hotel exemption.
The SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. The Paycheck Protection Program will be available through June 30, 2020.
Applications for PPP loans are to be made through third-party lenders – not directly through the SBA. Here is a list of active PPP lenders: https://www.sbalenders.com/bank-type/active-ppp-lenders/
You should ask your existing local lender whether they are participating in the program. We understand this will be a first-come, first-served situation. Therefore, expect long wait times to try to connect with a lender, but try to do so as soon as possible.
A personal guarantee is not required for the loan, nor is collateral required for the loan. The timeline for receiving funds will vary by lender; the intention is for those approved for the PPP loan program to receive funds within three weeks.
Overview of How to Apply for PPP Loans
Start with these three steps:
Contact your bank to inquire about the PPP and get in their queue for the application. Applications opened on Friday, April 3, and the program will be available through June 30, 2020.
Review the sample application form. (summarized below)
Gather the information and documents needed to be ready to apply:
2019 payroll records: Your last 12 months of payroll
2019 employee documentation: 1099s for your 2019 employees and independent contractors who would otherwise be an employee of your business.
Healthcare cost records: All health insurance premiums paid by your business under a group health plan.
Retirement documentation: Your business’s retirement plan funding paid for by the company.
Other allowable expenses: Information on amounts paid for rent, interest on a mortgage, and utilities for the last 12 months.
NOTE: While these resources are focused on nonprofits, they may be helpful to you:
FMA PPP Calculator (xls) — This calculator will help you estimate the average monthly payroll and loan amount for your application.
FMA Template for Board Resolution Authorizing Loan (docx) — If your business has a board of directors, this template will allow you to quickly get approval from your board to apply for a PPP loan.
FMA Script for talking to a Bank about PPP (docx) — This script provides you with key questions you can use to call a bank immediately.
Elements of the Application Form
To prepare to submit your application, download a sample form. You will be asked to provide the following:
Core business information (legal name, address, business TIN/EIN/SSN, contact info)
Average monthly payroll (this amount is multiplied by 2.5 times to equal the loan amount).
“For purposes of calculating ‘Average Monthly Payroll’, most Applicants will use the average monthly payroll for 2019, excluding costs over $100,000 on an annualized basis for each employee. …For new businesses, average monthly payroll may be calculated using the time period from January 1, 2020 to February 29, 2020, excluding costs over $100,000 on an annualized basis for each employee.”
Employees who make more than $100,000 in compensation (salary and benefits) should be included in the payroll, however it is only their compensation up to the $100,000 amount that should be included in the loan application.
Number of employees
Purpose of the loan (selecting all that apply): Payroll, Rent / Mortgage Interest, Utilities
The loan will be 100% forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities. Due to the limited amount of funds and expected demand, the SBA suggests that at least 75% of the loan amount be used for payroll, in order to be forgiven.
A list of all owners with greater than 20% ownership stakes and their TIN/EIN/SSN numbers and addresses
Checking a box verifying that you are a U.S. Citizen or have Lawful Permanent Resident status.
“Documentation verifying the number of full-time equivalent employees on payroll as well as the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight week period following this loan will be provided to the lender.”
You will need to acknowledge that the lender will calculate the eligible loan amount using tax documents identical to those submitted to the IRS.
You will also be asked to answer a series of questions. Question 4 asks whether the business has received an SBA Economic Injury Disaster Loan between January 31, 2020 and April 3, 2020. If so, details of that loan have to be provided. If you have received or applied for an SBA Economic Injury Disaster Loan during this time period – or if you anticipate applying for one of these disaster loans – your PPP loan request cannot be for the same purpose or you will be denied!
AIA’s legislative counsel believes that a business could, for example, apply for a PPP loan focused on payroll, and impacts on rent, mortgage, or utilities could be included in an Economic Injury Disaster Loan application. They are checking with the SBA on this question.
If you have applied for an Economic Injury Disaster Loan but have not yet been approved, you will want to consider whether to cancel that application and, if so, reach out to your loan officer.
PPP Loan Forgiveness
Any loan payments that cannot be forgiven will be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.
Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease; if you reduce salaries by more than 25%, you will be docked by that calculation. However, if you hire back employees who had been furloughed or laid off before June 30, 2020, your loan forgiveness would not be reduced.
These loans have a maturity of 2 years and an interest rate of .5%.
Brief Overview of Other Programs Incompatible with PPP
Economic Injury Disaster Loans:
As noted earlier in this document, Economic Injury Disaster Loans are only available to organizations that have already sustained substantial economic injury – they cannot be secured in anticipation of potential economic injury. Substantial economic injury is along the lines of not being able to meet the organization’s obligations, not being able to pay expenses and/or not being able to produce/market your product. If you are considering applying for an Economic Injury Disaster Loan, here is an overview (more details can be found here: https://www.benefits.gov/benefit/1504):
Cannot be for the same purpose(s) as the purpose(s) listed in applying for the PPP loan program
EIDL loans are up to $2 million and are intended to provide a couple of months of working capital
We understand that collateral requirements can be waived (guidance from AIA’s attorneys); if you do have collateral, it would still be attached on loans over $25,000
Have to have been in business as of Jan 31, 2020
Don’t have to show ability to get credit
These loans are based on gross receipts before and after the economic injury—calculated over the period of the loan on an individual basis
The SBA is offering advances of up to $10,000 on these EIDL loans within 3 days of application, with certifications under penalty of perjury
Employee Retention Tax Credit
This program allows a firm to receive a refundable payroll tax credit related to operations being fully or partially suspended, due to pandemic shut-down orders. Here is an overview. (More details can be found here: https://www.irs.gov/newsroom/irs-employee-retention-credit-available-for-many-businesses-financially-impacted-by-covid-19):
Cannot apply if the business has taken advantage of the Paycheck Protection Protection (PPP) loan program
Available to all firms regardless of size
Have operations partially or fully suspended as a result of orders from a governmental authority due to COVID-19 OR the business experiences a decline in gross receipts by more than 50% in a quarter compared to the same quarter in 2019 (eligibility ends when gross receipts in a quarter exceed 80% compared to the same 2019 quarter)
Applies to 50% of qualified wages paid by employers March 13-December 31, 2020
For businesses with less than 100 employees, this would include all wages paid to employees when they were not able to provide services due to COVID-19
For businesses with more than 100 employees, all employee wages qualify
Covers first $10,000 of compensation, including the employer portion of health benefits, for each eligible employee
Payroll Tax Deferral
This program allows a business to defer paying the employer portion of certain payroll taxes through the end of 2020. Here is an overview. (A reference can be found here; this information was consistent with guidance from AIA’s legislative counsel – it was difficult to find the exact reference on the IRS website: https://www.uschamber.com/co/start/strategy/cares-act-small-business-guide)
Cannot apply if the business has taken advantage of the Paycheck Protection Protection (PPP) loan program
Available to all firms regardless of size
Allows employer to defer 6.2% payroll tax share through the end of the year (March 27, 2020-December 21, 2020)
All 2020 deferred amounts must be paid back over the next two tax years (50% end of 2021, 50% end of 2022)
For more information
More guidance will be available from the Small Business Administration as of April 6
AIA’s Website (www.aia.org)
AIA’s legislative counsel, Hance Scarborough, may be available on a limited basis for consultations specific to overall provisions and eligibility: firstname.lastname@example.org
State-wide stay-home order: What does Gov. Kelly's executive order mean for architects?
Wyatt A. Hoch, partner in Foulston Siefkin LLP, offers opinion on order's impact on architects
Governor Kelly’s state-wide Executive Order raises several questions about whether architects and engineers in Kansas provide “essential functions” that are therefore exempt from the prohibitions established in the Order. Below is a response from Wyatt A. Hoch, partner in the Kansas-based law firm Foulston Siefkin.
"In my opinion," says Hoch, "architectural and engineering services are “essential functions” and therefore “exempt from the prohibitions established in [the Executive Order.]” § 9.
Although we don’t have the clarity provided by the “professional” exemption contained in the Sedgwick and Johnson County orders, the Governor’s Order identifies as essential functions in § 9 the development and maintenance of public works [KEFF 300.3]; construction and repair of roads [KEFF 300.14.a]; and construction, maintenance, and cleaning of buildings [KEFF 300.14.b]. There’s no “development” or construction of public works, roads, or commercial buildings without the design and construction-administration services that architects and engineers perform. Thus design services are implicitly an essential function under this Order.
Architects have also asked for an interpretation of the ambiguous “telework” mandate in the Order [§ 9.c]. Although design services are an essential function – thus allowing architects (and engineers) to work from your office and make construction site visits – in my opinion § 9(c) compels them (“must”) to use telephone/video conferencing for “meetings” unless that would cause “significant disruption” to their practice. Anyone working in the office must “follow appropriate safety protocols,” including social distancing (6’)."
Meet the AIA Kansas Area Presidents!
Welcome to the new AIA leadership!
Below are the AIA Kansas Area Presidents for 2020. To learn more about the components and see their upcoming events, visit their pages on our website linked below!
Garric Baker, AIA
President, AIA Flint Hills
Garric received his Master's of Architecture from Kansas State University in 2013. His diverse project experience includes emphasis on new projects as well as renovation/restoration. He has provided design services on community-based projects, such as the Brett Bolton Memorial Pavilion in Manhattan’s CiCo Park, the USD 487 Master Plan and Community Garden project for Herington, and the Johnny Kaw Statue Plaza in Manhattan's City Park.
Lauren Fitzpatrick, Assoc AIA
President, AIA Topeka
Lauren wanted to become an architect from a young age. She loves discovering what people want and then providing a better quality of life by designing a space to meet their needs. Lauren joined SDG in 2015 and has rapidly expanded her knowledge of every phase of the design and construction process. She was an integral team member for the FHLBank corporate office as well as the Blitt Gallery at Washburn University’s Mulvane Art Museum.
Allison Le, AIA
President, AIA Wichita
Allison shows strong determination in everything she does, whether it’s running a marathon or focusing on a project. Her passion for work is evident, especially when it comes to designing schools and knowing the impact of an ideal learning environment has on children. When she’s not at work, Allison can be found curled up with her two pups, cheering on the Saints!
Docking tour, committee hearing highlight building's uncertain future
Bills offer several options for the Docking building
Several architects joined the Friends of Historic Preservation (FOHP) for their Day at the Capitol on Wednesday, March 4. As part of the event, FOHP and AIA Kansas members attended a presentation on the Docking Building and took part in a tour of the facility.
The presentation provided insight into the benefit that the rehabilitation could have for the city of Topeka and continuation of downtown revitalization. Participants also commented that the history and grandeur of the building alone are enough to justify preserving the structure. Click here to read a letter from the Downtown Topeka about their position.
Legislators have a wide range of opinions on what to do with the Docking Building. On February 25th, a bill was introduced in the House to raze the building. In an article published in the Topeka-Capital Journal, Representative Claeys (R-Salina) provided some insight into his proposed bill, stating that he was pursuing this option because of costs. However, this does not account for the benefits of preserving and adapting the building, nor does it take into consideration associated long term costs of maintaining separate buildings or accommodating other entities that could be addressed with Docking renovations.
A separate new bill, SB 487, was later introduced on March 6 and received a hearing in the Senate Ways and Means committee on March 16th. It was the only Docking bill to receive a hearing before all committee meetings were canceled due to COVID-19 concerns. SB 487 proposes construction of a new KDHE lab on parking lot #4 of the Capitol Complex It would also issue bonds to maintain the first three floors of the Docking Building and construct three new floors. This bill would eliminate the viability of the plans for rehabilitation and reuse within the Docking Building report because it provides an alternative to the plans for targeted preservation of Docking as well as the plans to include the KDHE lab within the Docking Building.
AIA Kansas will continue to monitor this issue closely and provide further updates when the legislature returns to continue the session. If this is of interest to you, please contact your legislator to share your views.
Planning Committee hard at work preparing for AIA Kansas Annual Conference
"Milestones: The Through Lines" to explore key moments in careers, projects
The AIA Kansas Annual Conference will take place Oct. 27-29 at the Hilton Garden Inn in Manhattan, KS. This year’s theme is “Milestones: The Through Lines,” and the planning committee is hard at work putting together an exciting lineup of presentations and events!
The conference will look at the different lines running through a career, a project, an office, and practice in general. On each line there are milestones marking significant moments such as finishing architecture school, getting that first job, getting licensed, finalizing schematic design, exceeding ADA requirements, having all the project data come together, exceeding a building performance goal, the last piece of steel, the firm transitioning leadership, or the moment facilities management takes over. All of these are constantly happening or will happen. How can we explore these milestones, learn from each other and others and break through them with confidence and clarity onto the next milestone?
Want to participate? Submit a presentation or tour idea by clicking the buttons below!
Recap: Grassroots 2020
Attendees share knowledge, network
AIA Kansas leadership attended Grassroots 2020 in New Orleans. Grassroots offers training and education for leaders of the AIA. This year’s agenda emphasized component and community leadership with workshops designed to help component officers become more effective chapter and civic leaders.
Michael Grogan (AIA, LEED AP, NCARB), an assistant professor at Kansas State University and the AIA Kansas President-Elect, served as one of the AIA Kansas representatives at the Grassroots conference this year. He appreciated the tours, presentations, panels, and opportunity to prepare for his upcoming role in AIA Kansas. One of the panels dealt with resiliency in places affected by natural disaster and how architects can assist in developing solutions that improve resiliency. "As the AIA Kansas President-Elect, I was pleased to attend the annual AIA Grassroots Conference," Grogan said.
Meet the New AIA Kansas President
Welcome to the new AIA leadership!
Malcolm Watkins, the 2020 AIA Kansas president, has been interested in building things for as long as he can remember.
He grew up on a farm and had seven uncles who worked in and talked a lot about construction. So, it is not surprising that by the time he was 7 years old, he was telling people he wanted to be an architect. His interest in the field continued to grow during grade school as he spent many hours creating designs on graph paper and building Lego models.
Through his early college years, Watkins spent summers working for a concrete construction company. He went on to graduate from Kansas State University with a Masters degree in Architecture and is now a vice president with SJCF Architecture in Wichita.
He most enjoys working on public projects such as schools or recreation centers because he finds it immensely satisfying to see how the finished results benefit the entire community. His favorite project to date was the central branch YMCA in Wichita (completed in 2014). He has also enjoyed working on a cutting-edge high school for Junction City. He explains that student needs have changed considerably in the past decade and school systems are seeking creative ways to address those changes when planning new structures. Integration of technology is a high priority as are flexible spaces that allow for individual and cooperative learning, maker areas, and traditional lectures.
As AIA Kansas president, Watkins will continue to focus on advocacy and building community within the profession and on improving the visibility of and enhancing the reputation of the profession in the eyes of all Kansans. He will, of course, attend the national convention to vote and offer a Midwest perspective.
When not working or representing AIA Kansas, Watkins, an Eagle Scout, enjoys spending time with his family and looks forward to pursuing scouting activities with his two sons.
Will Robarge of TreanorHL appointed to AIA Disaster Assistance Committee
Congratulations to Will on his appointment!
Will Robarge, AIA, of TreanorHL in Lawrence, has been appointed by AIA President Jane Frederick to serve on the AIA Disaster Assistance Committee for 2020.
The AIA Disaster Assistance Program supports a nationwide network of architects who help communities prepare for, respond to, and recover from disasters. It provides training, support, and resources for architects through local, state, and national AIA chapters.
The Disaster Assistance Committee and AIA National have sustained the program providing guidance, recommendations, toolkits, and training to members, AIA chapters, and other built environment professionals.
Will Robarge, AIA
As a result, architects’ disaster response processes, protocol, and training are institutionalized to strengthen chapter preparedness, foster mutual-aid relationships with jurisdictions and the larger disaster-response community, and, most importantly, equip members with the knowledge and skills needed to be of service before and after a disaster.Specifically, the program’s work has led to establishing Disaster Assistance programs in more than 25 states, Good Samaritan liability coverage in 29 states, and architects in 34 states and territories trained in AIA’s Safety Assessment Program. Disaster and resilience education is regularly hosted at the AIA National Convention, on AIA’s online education platform, AIAU, and throughout the country through AIA chapter offices.
More information about the AIA Disaster Assistance Program can be downloaded here.
AIA Advocacy Day a Success!
Architects join large crowds at the Capitol, meet with legislators
2020 Advocacy Summit attendees joined large crowds of advocates at the Capitol on January 30th. Attendees heard from several presenters and had the opportunity to meet with their legislators.
During the Summit, Marta Zaniewski, Assistant Vice President, NCARB's Council Relations Department, shared information about licensing and reasonable regulations. While she was presenting, a bill regarding licensing was introduced (HB 2506). Click here to read the bill, and here is a bill brief.
Secretary of Commerce, David Toland, shared critical information with attendees regarding the current Kansas economic climate and what his office is doing to recruit and retain businesses. Click here to review the PowerPoint presentation.
The event concluded with a School Safety panel discussion. Senator Molly Baumgardner (District 37), Susan McMahan and John Cavart from the Kansas Department of Education, Terri Moses, Wichita Public Schools, and Malcolm Watkins, AIA Kansas President, served as panelists. Grant Thome, AIA Kansas, asked the panel questions about school safety, funding for school security, weather disasters, and overall trends related to school safety and security.
Thank you to Stevens & Brand for their sponsorship in making this event a success!
Jane Frederick, AIA President
Meet the New AIA President
Welcome to the new AIA leadership!
Jane Frederick, the 96th AIA president, anticipates a dynamic future for architecture and challenges her colleagues to do likewise. "Don't ask what will happen. Be what happens!" she says.
She was inspired to become an architect by an encouraging high school art teacher; her father, an aerospace engineer; and while working with her mother, an interior decorator. She went on to earn her Bachelor of Architecture degree from Auburn University.
In 1989, she and her husband, Michael, started Frederick + Frederick Architects. The award-winning firm, based in Beaufort, South Carolina, specializes in custom residential architecture. Frederick is a Fellow of the American Institute of Architects and also holds LEED AP certification. She particularly enjoys working on renovation projects, noting that it is an extremely satisfying way to contribute to a more sustainable society.
Frederick has previously served in many leadership roles for AIA and views herself as one person in the continuum that is AIA. The organization is dedicated to supporting its 95,000 members with solid resources to assist them in their careers and in civic engagement.
During her watch, AIA will continue to focus on climate change through its 2030 Commitment to the goal of Net Zero (no carbon emissions) for all buildings by 2030. Commercial and residential buildings account for approximately 40% of carbon emissions in the United States, a fact the general public is unaware of, she explains.
AIA "put a stake in the ground" last year and committed resources to doubling the number of firms participating in the 2030 Commitment by year-end, says Frederick. To help achieve that, AIA will launch an ambitious media campaign (from March until November) aimed at educating members and their clients about the importance of supporting the Commitment. AIA is also conducting research and collecting data to help its members in their work with clients.
Frederick points out that architects will continue to have a huge impact on our world as they bring beauty, comfort, safety, and sustainability to our daily lives. For this reason, she encourages young people who want to make a difference to consider the profession, particularly if they are curious, have good communication skills, and are interested in learning technical skills.
Next Month: Meet AIA Kansas President: Malcolm Watkins, AIA
Darius Mathis, AIAS
University of KS
Austin Willis, AIAS
Kansas State Univeristy
Kansas Architectural Foundation Scholarships Announced
Recipients announced at the 2019 annual meeting
The Kansas Architectural Foundation (KAF) has announced the recipients for this year's scholarship awards.
Austin Willis, AIAS, is a fourth-year architecture student at Kansas State University. He is passionate about uniting form and function to create architectural spaces that work for the people using them. Willis has known that he wanted to be an architect since childhood and hopes to lead his own firm eventually.
Darius Mathis, AIAS, is an architectural student at the University of Kansas. He is passionate about the deep connection between architecture and every aspect of community life, and he hopes to help encourage diversity within the profession.
Each year, the KAF provides two $1,000 scholarship grants to honor outstanding full-time architectural students at KU and K-State. These scholarships are funded in part by thegenerous donations from AIA Kansas members.
Congratulations to this year's recipients!
Annual Meeting Inspires, Educates Attendees
KDI's Chelina Odbert featured as the keynote speaker
AIA Kansas hosted its annual meeting on November 21 at Studio 804 in Lawrence. Attendees heard from keynote speaker Chelina Odbert, who discussed the social impact that architectural design can have on local communities.
As the co-founder and Executive Director of Kounkuey Design Initiative (KDI), Odbert is passionate about the potential for low-cost, high-impact design interventions to improve the quality of life in low-income communities.
Attendees also learned more about a variety of student architect efforts, such as the University of Kansas's mobile classroom, the Kaw Pavilion, and Kansas State University's Net Positive Studio. These cutting-edge, inspirational projects demonstrate the benefits that thoughtful design can produce.
Special thanks to Build Smart and Prosoco for sponsoring the event!
Dave Schaecher, AIA/NCARB
AIA KS Disaster Assistance Program Welcomes New Leadership
Dave Schaecher, AIA/NCARB, to serve as program coordinator
AIA Kansas is pleased to welcome David Schaecher, AIA/NCARB, on board as the new AIA Kansas State Disaster Coordinator. Schaecher will be filling the position held by Ava Christie, who guided the program with dedication and passion for several years and served on the AIA National Disaster Assistance Committee during that time.
The AIA maintains the AIA Disaster Coordinator Network to empower staff and members in all states to prepare for, respond to, and recover from disasters.
On October 22, Schaecher and Christie attended the first ever Disaster Assistance Bootcamp at the AIA National Headquarters in Washington, D.C. for State Disaster Coordinators and AIA component staff. The program brought together over 60 State Disaster Coordinators, along with staff from more than 40 states and territories, for an interactive experience to share ideas and suggestions. Attendees learned new strategies for engaging members and partners in state disaster programs and heard first-hand lessons learned from recent disasters.
AIA Kansas continues to offer the Safety Assessment Program (SAP) & Kansas Assessment Training (KAT) program during the fall and spring of each year. Schaecher looks forward to seeking out new ways to sustain member engagement between disasters and training sessions, as well as continuing to develop impactful relationships with industry allies and state decision makers.
Keep an eye out for more information to come on the spring SAP and KAT training!
Malcolm Watkins, AIA
2020 AIA Kansas President
Malcolm Watkins Addresses KASB Conference
AIA Kansas President-elect gives presentation on school safety
Malcolm Watkins, the AIA Kansas President-elect, gave a presentation on school facility planning and safety at the Kansas Association of School Boards annual conference on December 7.
School safety planning involves not only physical items such as metal detectors and shelters, but also the implementation of strategies to promote transparency, community connectivity and the well-being of students and staff, according to Watkins and his co-presenter, David Wilde, COO of Geary County USD 475.
Watkins and Wilde shared the latest information on approaches to school safety and how they are promoting schools that can be viewed as homes of opportunity. Check out the PowerPoint presentation here!