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Foley Represents Stone-Goff Partners in Extension of JSI Partnership | News | Press Releases

Foley Represents Stone-Goff Partners in Extension of JSI Partnership | News | Press Releases

Foley & Lardner LLP served as authorized adviser to Stone-Goff Partners, a business enterprise solutions-focused private equity expense organization, in its latest financial commitment in John Staurulakis, LLC (JSI), the main nationwide company of specialty consulting and engineering products and services to rural broadband telecommunications operators. Stone-Goff Companions II CF, LP, a new GP-led one-asset continuation fund, acquired a greater part curiosity in JSI from Stone-Goff Companions II, LP and affiliates.

Stone-Goff Companions is a personal equity business that invests in decrease middle current market know-how-driven support businesses. The firms that Stone-Goff invests in mix services choices with technologies and concentration on eye-catching, outlined conclusion-markets. Core verticals include organization, consulting, advertising, IT, human money, coaching, outsourced, and consumer providers.

JSI is a entire-assistance consulting firm that combines regulatory, economical and compliance advisory, fiber engineering, and managed solutions skills to provide an end-to-stop remedies system to rapidly-rising broadband operators nationwide. Its system has almost tripled in dimensions in excess of the previous 3 yrs as clients depend on the enterprise to support in deploying responsible, large-pace fiber networks that facilitate work-from-house, master-from-home, telehealth, and other connected providers.

The Foley group representing Stone-Goff Partners was led by Associates Beth Felder, Steve Meli, and Matt McBride, and integrated, among others, Partners Raj Tanden and Casey Knapp, Special Counsel Josh Watson, and Affiliate Paige Moscow.

About Foley & Lardner LLP

Foley & Lardner LLP is a preeminent legislation firm that stands at the nexus of the energy, well being care and lifestyle sciences, ground breaking technological innovation, and production sectors. We glance outside of the legislation to aim on the continuously evolving calls for struggling with our clients and act as dependable organization advisors to deliver creative, realistic, and productive options. Our 1,100 legal professionals throughout 25 places of work globally companion on the entire vary of engagements from corporate counsel to IP function and litigation help, providing our purchasers with a one-crew alternative to all their needs. For approximately two centuries, Foley has preserved its motivation to the best degree of innovative authorized products and services and to the stewardship of our folks, organization, clients, and the communities we serve.

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Warner Joins Young, Colleagues in Reintroducing Bill to Strengthen Innovative Higher Ed Financing Tool for Students – Press Releases

Warner Joins Young, Colleagues in Reintroducing Bill to Strengthen Innovative Higher Ed Financing Tool for Students – Press Releases

WASHINGTON –– Today, U.S. Sens. Mark Warner (D-VA), Todd Younger (R-IN), Marco Rubio (R-FL), and Chris Coons (D-DE) reintroduced the ISA Scholar Protection Act to guidance an revolutionary financing device for college students pursuing postsecondary instruction. The bipartisan monthly bill would defend college students by implementing strong consumer protections to Cash flow Share Agreements (ISAs).

ISAs provide opportunities for college students to style and design economic assist best suited to their requires centered on their upcoming cash flow and job success. Beneath an ISA, a scholar agrees to spend a percentage of their money in excess of a specified time time period in trade for tuition payments from nongovernmental resources. When the agreed timeframe finishes, the university student stops payments regardless of whether the first volume was compensated back again to the ISA funder. 

“Income-Share Agreements are a promising way to finance postsecondary instruction and an interesting alternate to personal scholar loans and Plus financial loans. ISAs are also proving to be uniquely responsive to the desires of college students who are ineligible for current federal college student aid courses,” reported Sen. Warner. “There are college students across the nation who are previously benefitting from ISAs and should have the safeguards and certainty the ISA College student Security Act of 2022 would supply.”

“One point we can all concur on is the value of a high quality and inexpensive training. As we facial area history-high inflation, numerous pupils and their households go on to encounter fiscal hardship and climbing university student personal loan debt,” reported Sen. Youthful. “With the correct safeguards, ISAs can be an revolutionary, debt-free financing possibility for students of all backgrounds. Our bipartisan invoice works to improve the framework for ISAs to enable colleges and occupation and complex schools prepare students for achievement in the workforce at no price to the taxpayer.”

“Everything is extra costly these days, specifically the price of a school degree. This typical perception monthly bill makes a financial debt-free financing solution for pupils,” claimed Sen. Rubio.

“With trillions of dollars in U.S. college student loan debt burdening the country’s workforce, Earnings Share Agreements are a helpful option for some college students who have to have financing for postsecondary schooling and instruction, primarily where federal pupil aid is not readily available. The ISA Pupil Security Act of 2022 will build lawful certainty for companies who acquire these impressive fiscal offerings while building guardrails to guard college students and workers as they prepare for the careers that employers are hunting to fill today and in the foreseeable future,” mentioned Sen. Coons.

This legislation is supported by Jobs for the Potential, the Make investments in Scholar Improvement Alliance, Student Freedom Initiative, the San Diego Workforce Partnership, FreeWorld, Better Long term Forward, Purdue College, and much more.

A complete checklist of endorsement quotations is offered listed here. 

The ISA Scholar Protection Act of 2022 would make on a previously released model of this laws by updating existing purchaser safety regulations to be certain they are applied thoroughly to ISAs and insert new protections to make certain ISAs are affordable and share danger. Exclusively, the invoice:

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  • Prohibits ISA providers from getting into into agreements with pupils that have to have payments greater than 20 percent of revenue.

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  • Exempts people today from making payments toward their ISA when their money falls below an affordability threshold.

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  • Sets a optimum amount of payments and limits payment obligation to the end of a fastened window.

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  • Sets a least quantity of voluntary payment aid pauses, all through which payment obligations could be suspended.

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  • Demands in depth disclosures to college students who are contemplating entering into an ISA, such as the amount of money financed, the payment calculation system, the number of payments envisioned, the size of the settlement, and how their payments less than the ISA would look at to payments under a similar financial loan.

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  • Offers powerful personal bankruptcy security for ISA recipients by omitting the increased “undue hardship” regular for discharge essential less than private financial loans.

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  • Helps prevent funders from accelerating an ISA in default.

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  • Makes sure that ISA obligations stop in the function of demise or full and long term incapacity.

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  • Applies federal consumer defense laws (e.g., Truthful Credit rating Reporting Act, Honest Debt Collection Methods Act, Army Lending Act, Servicemembers Civil Aid Act, Equal Credit score Possibility Act) to ISAs.

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  • Provides the Buyer Monetary Protection Bureau regulatory authority over ISAs.

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  • Clarifies the tax treatment method of ISA contributions for each funders and recipients.

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Entire text of the invoice is available here.  

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Democrats press Education secretary over plans to resume student loan payments

Democrats press Education secretary over plans to resume student loan payments

A group of Democrats sent a letter to Secretary of Education and learning Miguel CardonaMiguel CardonaOn The Revenue — Biden brings down hammer on Russian banks Democrats press Training secretary around options to resume student loan payments Yale Legislation School to cover least expensive-money students’ tuition: report Far more this week pressing for more information about how the administration strategies to resume federal scholar mortgage payments and make certain debtors get sufficient support.

Sen. Elizabeth WarrenElizabeth WarrenOn The Dollars — Biden brings down hammer on Russian banking institutions Democrats push Education secretary in excess of options to resume pupil personal loan payments Elon Musk shuts down Warren assert that he doesn’t shell out taxes Far more (D-Mass) and Reps. Lauren UnderwoodLauren UnderwoodOn The Income — Biden brings down hammer on Russian banking companies Democrats push Instruction secretary above ideas to resume student bank loan payments Lobbying earth A lot more (D-Sick.) and Colin Allred (D-Tex.) led their colleagues in a letter to Cardona on Wednesday, searching for “additional depth on the scheduled resumption of federal college student loan payments subsequent the expiration of the payment pause on May well 1, 2022.”

Federal college student personal loan payments were being very first paused in early 2020 beneath an moratorium set in area by the Trump administration as the coronavirus pandemic started to consider maintain in the U.S. The temporary keep, which also extends to curiosity accrual, has been lengthened quite a few situations under the past and present-day administrations.  

Biden previous prolonged the moratorium in December through May well amid mounting stress from users of his individual celebration, quite a few of whom have identified as on the White Dwelling to choose bolder action on student loans by approving popular forgiveness. 

The White House mentioned last 12 months it requested a memo from Cardona’s office environment detailing whether Biden, who named for at least $10,000 in university student financial loans to be canceled per borrower on the marketing campaign trail, has the capacity to unilaterally cancel college student financial loans across the board.

In their letter to Cardona this 7 days, the lawmakers wrote that, though they “appreciate the Biden administration’s actions to lengthen the payment pause,” they are anxious that “with a lot less than 70 times until the scheduled expiration, borrowers might deficiency clarity about the timeline involved with the resumption of payments.”

“Providing this depth is critical to ensure that debtors are adequately educated about the restart and that borrower hurt is minimized through the changeover,” they wrote.

Lawmakers claimed hundreds of thousands of borrowers “appear to be at chance of missing out on essential data about the payment restart,” just before citing estimates from the Federal government Accountability Business (GAO) saying approximately 50 {ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} federal college student mortgage debtors “are at amplified hazard of delinquency and in need to have of supplemental, focused engagement prior to and immediately after payments resume.”

Even though lawmakers reported the Schooling Office (ED) picked electronic mail as its most important conversation strategy for borrowers, they additional the workplace “was lacking valid electronic mail addresses for somewhere around 5.5 million debtors as of December 2021.”

“The contractor managing defaulted loans, furthermore, did not have email addresses for about 25 per cent of defaulted debtors, perhaps leaving these debtors in the darkish about options for acquiring out of default,” they wrote.

They also pointed out sizeable variations observed in federal student financial loan servicing in the past couple months that they mentioned “risk compounding borrowers’ absence of clarity all around the restart,” such as the introduced departures of 3 servicers from the federal pupil application due to the fact 2021.

Lawmakers are pressing the department information on timing for because of dates of college student loan payments when the most recent 1st payment is because of how long borrowers who really do not make payments pursuing the Could deadline have right until they become delinquent are billed late expenses and have adverse credit score experiences brought on, between other issues. 

Lawmakers are requesting answers by March 9.

The Hill has attained out to the Education Office for remark. 

Sens. Margaret Wooden Hassan (D-N.H.) and Tammy DuckworthLadda (Tammy) Tammy DuckworthDemocrats push Training secretary in excess of options to resume student financial loan payments Franken on Senate resignation: ‘They manufactured it impossible for me to get because of process’ Biden calls for Taliban to launch American hostage prior to legitimacy recognized Much more (D-Sick.) joined lawmakers in signing the letter, along with Reps. Dina TitusAlice (Dina) Costandina TitusDemocrats press Training secretary above plans to resume scholar loan payments Lieu, Mace connect with on NIH to stage out animal experiments The The united states COMPETES Act will enable corporations and workers make it in The united states Much more (D-Nev.), Monthly bill FosterGeorge (Monthly bill) William FosterDemocrats push Training secretary around programs to resume pupil loan payments DCCC expands list of susceptible House Democrats Each state’s populace heart, visualized More (D-Ill.) and Lucy McBathLucia (Lucy) Kay McBathDemocrats push Schooling secretary around ideas to resume scholar mortgage payments The Hill’s Morning Report – Globe poised for war Property races where by redistricting is pitting Democrats versus a single a different Additional (D-Ga.).

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Democrats press Biden for details on student loan plans before payments resume

Democrats press Biden for details on student loan plans before payments resume

WASHINGTON — Congressional Democrats are urging the Biden administration to offer extra aspects on its designs to restart federal scholar financial loan payments although boosting worries of likely chaos if the two-calendar year pause ends in May.

In a letter to administration officials, a team of lawmakers requested the Instruction Office to answer to a extensive checklist of questions that appear supposed to reveal the governing administration is unprepared to make certain debtors are appropriately notified ahead of payments resume on May 1.

The letter is the hottest indication of growing tension on President Joe Biden to difficulty a further extension of the payments pause. Federal scholar loan payments have been frozen considering the fact that March 2020.

“While we value the Biden Administration’s actions to extend the payment pause amid the COVID-19 pandemic, we are concerned that with fewer than 70 days right up until the scheduled expiration, debtors may deficiency clarity about the timelines related with the resumptions of payments,” the lawmakers wrote.

The letter, led by Sen. Elizabeth Warren of Massachusetts and Reps. Lauren Underwood of Illinois and Colin Allred of Texas, was signed by Sens. Maggie Hassan of New Hampshire, Tammy Duckworth of Illinois, and Reps. Lucy McBath of Georgia, Dina Titus of Nevada and Bill Foster of Illinois.

Even though progressives have been pushing Biden for weeks to increase the payment pause and deal with additional sweeping debt forgiveness, Thursday’s letter involved moderate customers of the occasion who are going through difficult re-election bids, suggesting vulnerable Democrats could possibly be experience tension to give additional monetary relief to constituents amid the ongoing Covid pandemic and as inflation concerns grip the region heading into the midterm elections.

The president’s get together generally loses congressional seats in midterm elections, and with such slender majorities in the Household and Senate, Democrats have been bracing for a hard November.

Some Democrats have argued that necessitating pupil personal loan payments to resume in May well could depress turnout of the Democratic base, specifically as Biden has been not able to deliver on legislative priorities, this kind of as his Create Back again Far better agenda and voting legal rights.

In the letter, lawmakers cited latest studies that display debtors say they are not organized to start off creating payments all over again in May perhaps, which includes a report from the Authorities Accountability Workplace that estimates approximately half of all federal university student mortgage debtors are at “increased threat of delinquency.”

Debtors haven’t experienced to make payments given that March 2020, when previous President Donald Trump signed into legislation the CARES Act, which paused payments by September 2020 and froze fascination accumulation for the approximately 42 million borrowers.

Trump later took government action to lengthen the deferral period of time through January 2021. Biden, on his initially day in office, signed an executive buy continuing the pause by means of Sept. 30. He issued a further extension in September, providing borrowers till Jan. 31 before they would have to resume making payments. In December, he once again prolonged the pause by means of May perhaps 1.

The moratorium doesn’t use to debtors with privately held financial loans.

Despite the fact that the White Dwelling hasn’t indicated no matter if Biden will situation a different extension, several advocates come to feel inspired by the simple fact that the administration hasn’t dominated it out completely, as was the scenario last fall, when the White Property explicitly mentioned it would not increase the pause past Jan. 31. Biden improved study course just after the omicron variant of the coronavirus hit.

Requested final thirty day period no matter if Biden was concerned about the prospective political value of restarting scholar personal loan payments so near to the elections, White House press secretary Jen Psaki reported the administration “will have to make a selection about what is subsequent.”

“We’ve naturally been apparent on what we’re planning for, but the president is heading to make these choices based on what we’re seeing in financial facts and what we sense is absolutely required at this time in the state,” she said.

Lauren Egan is a White House reporter for NBC Information centered in Washington.

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Press Release | Press Releases | Newsroom

02.10.22

The letter follows a report locating that non-public college student mortgage firms deliberately misrepresented students’ rights

WASHINGTON – U.S. Senate Vast majority Whip Dick Durbin (D-IL) and U.S. Senator Sherrod Brown (D-OH) right now led 6 colleagues in producing a letter to the Buyer Economic Defense Bureau (CFPB) to specific their fears, first elevated in a Pupil Borrower Defense Centre (SBPC) report, that non-public university student loan organizations and servicers are deliberately misrepresenting to debtors the probability of discharging “non-qualified” private college student loans in personal bankruptcy. Federal regulation stops “qualified” student loans—those federal and private financial loans employed to finance schooling at an establishment of better schooling that qualifies for federal pupil aid—from remaining discharged in personal bankruptcy except in cases of “undue hardship.” Non-certified private financial loans can be discharged without assembly the undue hardship load. The SBPC estimates that about $50 billion in non-skilled private university student mortgage financial debt held by 2.6 million borrowers could be eligible for individual bankruptcy discharge.

 

“These non-experienced personal loans, developed by lenders to deliver more profits, include immediate-to-purchaser financial loans and profession teaching financial loans used for unaccredited educational facilities that do not qualify for federal student help.  These faculties, numerous of which are for-earnings faculties, typically deliver deficient instruction gains and leave learners with very little other than large pupil credit card debt,” the Senators wrote. “The SBPC observed that private university student bank loan creditors took gain of the common perception that all personal scholar financial loans are non-dischargeable in individual bankruptcy and that lenders promoted their non-capable schooling financial loans underneath this wrong pretense… At the very same time, when these companies offered non-competent money owed to Wall Street investors, they explicitly disclosed that non-certified schooling loans were eligible for discharge in bankruptcy—telling buyers the truth although lying to debtors.”

 

“There is growing bipartisan consensus in Congress that student personal loan personal bankruptcy rules really should be overhauled to make them fairer and more workable for debtors who have no other solutions for reduction.  But, as we keep on to do the job on lasting changes to these rules, we will have to not allow companies to fraudulently stop debtors from in search of the little relief that is afforded underneath current regulation.  We urge the CFPB to critique the troubling results in the SBPC report and consider proper action,” the Senators concluded.

 

Also signing onto the letter had been U.S. Senators Sherrod Brown (D-OH), Sheldon Whitehouse (D-RI), Elizabeth Warren (D-MA), Maggie Hassan (D-NH), Alex Padilla (D-CA), Jack Reed (D-RI), Mazie Hirono (D-Hello), and Tina Smith (D-MN).

 

Last August, Durbin introduced the bipartisan Fresh Start By means of Personal bankruptcy Act to restore the potential for having difficulties borrowers to request a personal bankruptcy discharge for federal scholar loans following a waiting interval of ten years.

   

Discover a copy of the letter here and underneath:

 

February 10, 2022

 

Dear Director Chopra:

 

We create to request that you promptly investigate the findings of a troubling report unveiled by the Pupil Borrower Safety Middle (SBPC) that discovered that non-public scholar bank loan firms and servicers intentionally misrepresented to borrowers the risk of discharging specific personal college student financial loans in personal bankruptcy.[1]  We urge the Customer Economical Protection Bureau (CFPB) to look into these findings and choose proper motion to ensure non-public college student loan providers and servicers are complying with personal bankruptcy legislation.

 

In accordance to the SBPC, for a long time, personal college student creditors have intentionally perpetuated the phony narrative that all pupil loans, which includes all personal college student financial loans, are non-dischargeable in bankruptcy besides in situations where by borrowers meet up with a standard of “undue hardship.”[2]  In reality, these policies for dischargeability of non-public pupil loans only utilize to qualified instruction financial loans.  Skilled education financial loans are described in the Internal Earnings Code as financial loans taken out by an “eligible student” made use of to finance the charge of attendance at a recognized institution of increased training that qualifies for federal pupil assist.[3] 

 

Having said that, the SBPC report implies that non-public college student creditors have long peddled a variety of non-public university student financial loans that do not fulfill the definition of skilled instruction loans and are, therefore, frequently dischargeable in personal bankruptcy.  The SBPC estimates that approximately $50 billion in non-public pupil loan personal debt held by some 2.6 million debtors falls into this category.  These non-qualified private loans, designed by lenders to produce added income, include things like direct-to-shopper loans and job teaching loans utilized for unaccredited educational facilities that do not qualify for federal scholar aid.  These colleges, numerous of which are for-revenue colleges, often give deficient schooling benefits and depart pupils with little other than huge university student debt.

 

The SBPC identified that non-public scholar mortgage loan companies took benefit of the common belief that all non-public pupil financial loans are non-dischargeable in personal bankruptcy and that loan companies promoted their non-certified instruction financial loans below this bogus pretense.  The report located that creditors integrated deceptive language in their promissory notes, misrepresenting to students that they could not discharge their loans in bankruptcy.  At the same time, when these firms bought non-skilled money owed to Wall Road investors, they explicitly disclosed that non-qualified education and learning loans ended up suitable for discharge in bankruptcy—telling investors the truth whilst lying to borrowers.

 

Additionally, the SBPC report displays the extent to which loan companies went to collect on the debts that could have been lawfully discharged—relying on the complexity of the individual bankruptcy approach and abusive assortment techniques, such as letters, phones phone calls, and unfavorable reports manufactured to credit rating bureaus.  In some scenarios, loan companies pursued legal action to recuperate money owed that already have been discharged lawfully.  The SBPC report estimates that private pupil personal loan providers have gathered hundreds of tens of millions of dollars on loans in this manner. 

 

There is expanding bipartisan consensus in Congress that scholar personal loan individual bankruptcy legal guidelines really should be overhauled to make them fairer and more workable for borrowers who have no other selections for aid.  But, as we carry on to work on long lasting variations to these laws, we ought to not allow for providers to fraudulently avoid debtors from in search of the very little reduction that is afforded beneath recent legislation.  We urge the CFPB to evaluate the troubling conclusions in the SBPC report and just take appropriate action.

 

Thank you for your consideration.  We look ahead to your prompt response.

 

 

Sincerely,

 

-30-

 

 


[2] 11 U.S.C. § 523 (a)(8)

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MACKAY: Santa’s business tips | Coeur d’Alene Press

The holiday seasons are full of custom and are a time to get with family and good friends. But no make any difference if you are a mother or father or a baby, everyone acknowledges the large male in the purple go well with — Santa Claus.

Company can master a good deal from the “CEO of Christmas.”

Santa is full of holiday getaway spirit. He is usually the daily life of the occasion. He is jovial and normally in a superior mood. Santa is forever positive. If you consider positively, you will be more inclined to converse positively. Your beneficial words will spur you to constructive steps. If you get utilized to behaving in a favourable way, you will variety excellent behaviors. And your behavior will support determine the type of person you are. That will direct you to your future, what you will ultimately develop into as a individual. Optimistic contemplating has no negatives.

Santa’s appeal is unquestioned. In a perfect globe, a study course on temperament enhancement should be part of a business enterprise college curriculum. Why? Due to the fact no issue how superior our know-how results in being, private interaction normally seals the specials. Charm is what you convey out in other individuals due to the fact you are genuinely intrigued. It’s a daily life lesson, not just a business technique.

Santa has a great feeling of humor. He appreciates a great tale and has a jolly “ho, ho, ho.” He even laughs at his possess jokes mainly because he understands laughter is the most effective drugs. It would make people delighted and hyperlinks us alongside one another. Humor and laughter bolster our immune process, strengthen our energy by destroying boredom and hold pressure at bay. A fantastic perception of humor allows to overlook the unbecoming, understand the unconventional, tolerate the unpleasant, get over the sudden and outlast the unbearable.

Santa is a giver. He is energetic in each individual neighborhood simply because he is everywhere you go. We’ve all read the previous adage that you can not buy happiness. Perfectly, it turns out that is not precisely real. You basically can get joy — when you devote your dollars or your time on other individuals. A great way to experience satisfied is to enable other people by obtaining included in volunteer function that supports your local community. During this standard time for giving, organizations are clamoring for all varieties of enable. Sharing important time may well feel burdensome, but the benefits are immeasurable.

Santa is a great listener. When I see Santa in buying centers, he is patiently listening to children tell him the exact same present thoughts more than and about and more than. Santa is aware you can win much more pals with your ears than your mouth. Listening is a critical ability in everyone’s lifetime. Listening to is just one of the body’s five senses, but listening is an art. Getting a superior listener can make or crack a career. Your achievement could hinge on irrespective of whether you have mastered the skill of listening.

Santa is form. Kindness is a single of the strongest of all virtues. When you are good to other folks, you are finest to yourself. Kindness is the oil that will take the friction out of life. And the best portion of all, every person can be form — if they come to a decision to be. Kindness is not weakness. Very the reverse, kindness demonstrates a simple decency and respect that displays a willingness to get alongside even when you disagree.

Santa maintains excellent relationships with his consumers. Even when he cannot supply exactly what they buy, he attempts quite difficult to fulfill their wishes. It is not easy for his elves to make each and every product or fulfill every ask for, but he’ll never ever halt seeking. And he has been known to present alternatives to soften the blow. Superior salespeople know to do that too.

Santa treats absolutely everyone with dignity and regard. He is individual with crying toddlers and does his ideal to put frightened young children at relieve. Children really like Santa due to the fact he can make them really feel essential. A minutes-very long come upon reinforces their faith in the goodness of folks. In business, buyers are significantly the same. They like to know that they are vital and will be treated respectfully.

Santa always tells the truth. Sometimes Santa just can’t do what is requested of him, but he actually explains that there are some matters that even Santa are not able to do. Companies that are genuine with their buyers could disappoint briefly, but people today appreciate that honesty.

And eventually, Santa respects deadlines mainly because he is aware he need to satisfy his consumers by Dec. 25.

Mackay’s Ethical: Is your small business naughty or awesome? Study from Santa.

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Harvey Mackay is the author of the New York Occasions bestseller “Swim With the Sharks Devoid of Staying Eaten Alive.” He can be arrived at through his web page, www.harveymackay.com, by emailing harvey@mackay.com or by creating him at MackayMitchell Envelope Co., 2100 Elm St. SE, Minneapolis, MN 55414.