Connecticut FPAC Newsletter - October 18, 2024.
In This Issue:
We are only two months out from August’s devastating storms, flooding, and mudslides in southern and western Connecticut. Many of our producers, neighbors, and friends are still grappling with what can be a very long road to recovery.
Disaster Recovery Resources
FSA, along with other federal and state agencies held a local listening session to help those affected by the devastating storm – you can watch a recording of that session here. FEMA has designated three of our counties as Primary Natural Disaster areas and has recently opened up a disaster recovery center (DRC) in Southbury, located at the Southbury Town Hall at 501 Main Street South. The Southbury DRC is open Monday to Friday from 8 a.m. to 6 p.m., Saturdays from 8 a.m. to 4 p.m. and Sundays from 10 a.m. to 2 p.m. If you or anyone you know has been affected by the storm and needs assistance please reach out. FSA CT has also opened Emergency Loans to help agricultural producers who may be suffering. Additional disaster relief resources can also be found on the CT Department of Agriculture website.
As always, in time of incredible stress, please remember there are resources to help those in need of additional mental health support. Below are two free and confidential resources if you, someone you love, or your neighbor need support.
- The Suicide and Crisis Lifeline is a national network that provides 24/7, free and confidential support for people in distress and prevention and crisis resources for you or your loved ones. The service can be reached by calling or texting 988 or chatting at https://988lifeline.org/chat/.
- The State of Connecticut offers the AgriStress Helpline, which provides crisis support and mental health resources for CT farmers and farm families. You can call or text 833.897.2474 for free and confidential 24/7 crisis support or visit https://www.ctfarmstressrelief.com/ online for more information on how to get help now and to access tons of mental health and farmer stress resources.
Additional Distressed Borrower Assistance Announced
Since President Biden signed the Inflation Reduction Act (IRA) into law in August 2022, the USDA has provided approximately $2.4 billion in assistance to more than 43,900 distressed borrowers. And just last week, the USDA announced an additional $250 million in assistance, helping more than 4,600 producers across the country. This includes approximately $235 million in assistance for an estimated 4,485 delinquent direct and guaranteed borrowers who have not received prior IRA assistance. More information is included in the articles below.
County Committees
I have had the absolute privilege of meeting and working with some of CT’s county committees these past few months. The care and consideration that your elected committee members give to the issues at hand, and their neighbors and fellow producers is remarkable. I can say that without a doubt, that the work done by our county committee members is essential to making FSA programs work best for our state and our producers. County Committees are vitally important to the day-to-day functioning of FSA and allow grassroots input and location administration of federal farm programs.
As we roll up on County Committee elections in November, I want to acknowledge the work our county committee members do and use this opportunity to say thank you for stepping up and using your position and wealth of knowledge to help make FSA programs work for CT. You are providing an invaluable service to producers and to the Farm Service Agency. I hope everyone who is eligible to vote, takes the time to do so, as County Committee election ballots will be sent out starting November 4th.
For more information on the county committee system and to find out if you LAA is up for election this year please follow this link and click “Find My LAA” or contact your local FSA office.
I wish you all good weather, a bountiful harvest, and a Happy Halloween.
Stay Safe,
Emily J. Cole, PhD
State Executive Director
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This Presidential disaster declaration allows the United States Department of Agriculture (USDA) Farm Service Agency (FSA) to extend much-needed emergency credit to producers recovering from natural disasters through emergency loans. Emergency loans can be used to meet various recovery needs including the replacement of essential items such as equipment or livestock, reorganization of a farming operation, or to refinance certain debts. FSA will review the loans based on the extent of losses, security available, and repayment ability.
Impacted Area: Connecticut
Triggering Disaster: Severe Storm, Flooding, Landslides, and Mudslides
Application Deadline: 05/20/2024
Primary Counties Eligible: Fairfield, Litchfield and New Haven
Contiguous Counties Also Eligible:
Connecticut: Hartford, Middlesex
New York: Westchester, Putnam, Dutchess
Massachusetts: Hampden, Berkshire
More Resources
On farmers.gov, the Disaster Assistance Discovery Tool, Disaster Assistance-at-a-Glance fact sheet, and Loan Assistance Tool can help you determine program or loan options. To file a Notice of Loss or to ask questions about available programs, contact your local USDA Service Center.
FEMA offers different assistance programs for individual citizens, public groups including government agencies and private nonprofit organizations. To find the FEMA help you need following a disaster event, visit fema.gov/assistance.
 Applications accepted from Sept. 30 to Nov. 29
The U.S. Department of Agriculture (USDA) today announced $58 million available for assistance to dairy producers through the Organic Dairy Marketing Assistance Program (ODMAP) 2024. ODMAP 2024 helps mitigate market volatility, higher input and transportation costs, and unstable feed supply and prices that have created unique hardships in the organic dairy industry. Specifically, through ODMAP 2024, USDA’s Farm Service Agency (FSA) is assisting organic dairy operations with projected marketing costs in 2024 calculated using their marketing costs in 2023. FSA will begin accepting ODMAP 2024 applications on Sept. 30. Eligible producers include certified organic dairy operations that produce milk from cows, goats, and sheep.
ODMAP 2024 Program Improvements
Dairy producers who participate in ODMAP 2024 will benefit from improvements to provisions outlined in the program. Specifically, ODMAP 2024 provides for an increase in the payment rate to $1.68 per hundredweight compared to the previous $1.10 per cwt. Additionally, the production cap has increased to nine million pounds compared to the previous five million pounds.
How ODMAP 2024 Works
FSA is providing financial assistance for a producer’s projected marketing costs in 2024 based on their 2023 costs. ODMAP 2024 provides a one-time cost-share payment based on marketing costs on pounds of organic milk marketed in the 2023 calendar year or estimated 2024 marketing costs for organic dairy operations that have increased milk production.
ODMAP 2024 provides financial assistance that immediately supports certified organic dairy operations during 2024 keeping organic dairy operations sustainable until markets return to more normal conditions.
How to Apply
FSA is accepting applications from Sept. 30 to Nov. 29. To apply, producers should contact FSA at their local USDA Service Center. To complete the ODMAP 2024 application, producers must certify to pounds of 2023 milk production, show documentation of their organic certification, and submit a completed application form.
Organic dairy operations are required to provide their USDA certification of organic status confirming operation as an organic dairy in 2024 and 2023 along with the certification of 2023 milk production or estimated 2024 milk production in hundredweight.
ODMAP 2024 complements other assistance available to dairy producers, including Dairy Margin Coverage (DMC), with more than $36 million in benefits paid for the 2024 program year to date. Learn more on the FSA Dairy Programs webpage.
More Information
To learn more about USDA programs, producers can contact their local USDA Service Center. Producers can also prepare maps for acreage reporting as well as manage farm loans and other programs by logging into their farmers.gov account. If you don’t have an account, sign up today.
FSA helps America’s farmers, ranchers and forest landowners invest in, improve, protect and expand their agricultural operations through the delivery of agricultural programs for all Americans. FSA implements agricultural policy, administers credit and loan programs, and manages conservation, commodity, disaster recovery and marketing programs through a national network of state and county offices and locally elected county committees. For more information, visit fsa.usda.gov.
USDA touches the lives of all Americans each day in so many positive ways. In the Biden-Harris administration, USDA is transforming America’s food system with a greater focus on more resilient local and regional food production, fairer markets for all producers, ensuring access to safe, healthy and nutritious food in all communities, building new markets and streams of income for farmers and producers using climate smart food and forestry practices, making historic investments in infrastructure and clean energy capabilities in rural America, and committing to equity across the Department by removing systemic barriers and building a workforce more representative of America. To learn more, visit usda.gov.
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The U.S. Department of Agriculture (USDA) announced an additional $250 million in automatic payments for distressed direct and guaranteed farm loan borrowers under Section 22006 of the Inflation Reduction Act. This significant step continues USDA's commitment to keeping farmers and ranchers financially viable and support for agricultural communities.
Over the past two years, USDA acted swiftly to assist borrowers in retaining their land and continuing their agricultural operations. Since President Biden signed the Inflation Reduction Act into law in August 2022, the USDA has provided approximately $2.4 billion in assistance to more than 43,900 distressed borrowers.
Building on this momentum, USDA is announcing an estimated additional $250 million in assistance to approximately 4,650 distressed direct and guaranteed farm loan borrowers. This includes approximately $235 million in assistance for an estimated 4,485 delinquent direct and guaranteed borrowers who have not received prior IRA 22006 assistance, and approximately $15 million in assistance for an estimated 165 direct and guaranteed borrowers with Shared Appreciation Agreements.
Distressed FSA borrowers with loans secured by real estate must sign a Shared Appreciation Agreement when they accept loan servicing actions that write down a portion of their direct or guaranteed debt. FSA is required to recapture a portion of that write-down if the property value of the real estate security increases when the agreement matures. Borrowers are required to either repay this amount or have it converted into an interest-accruing repayment agreement. As loan servicing actions that were paused due to the COVID-19 pandemic resume, such as Shared Appreciation Agreement recaptures, this added debt burden could severely impact borrowers who are already struggling.
How Payments Will Be Made
For direct borrower delinquency assistance, FSA will make an automatic payment in the amount of any outstanding delinquencies, as of Sept. 30, 2024, on qualifying direct borrower loans that are one or more days delinquent, as of that date, provided those borrowers have not received prior Section 22006 assistance that was applied to reduce a direct FSA loan balance (excluding assistance for Disaster Set-Asides and Emergency Loans).
For guaranteed borrower delinquency payments, FSA will mail via check an automatic payment in the amount of any outstanding delinquencies, as of Sept. 30, 2024, on qualifying guaranteed loans that are 30 or more days delinquent, as of that date, provided those borrowers have not received prior Section 22006 guaranteed loan assistance. Guaranteed loan borrowers are not considered to be in monetary default until 30 days past due. This assistance will be in the form of a United States Department of the Treasury check that is jointly payable to the borrower and the lender.
For borrowers receiving assistance on their Shared Appreciation Agreements, a payment will be made to resolve outstanding amortized repayment agreements and recapture amounts owed to FSA which have matured as of Sept. 30, 2024. Borrowers whose Shared Appreciation Agreements have not matured as of Sept. 30, 2024, will be contacted by FSA and provided an opportunity to request that FSA calculate a partial recapture and Shared Appreciation Agreement assistance offer.
Shared Appreciation Agreement assistance amounts will be calculated as follows:
- For borrowers whose Shared Appreciation Agreement had previously matured and the receivable owed was converted into a Shared Appreciation Payment Agreement prior to Sept. 30, 2024, Shared Appreciation Agreement assistance will be equal to the total amount of outstanding principal and interest owed on the payment agreement of Sept. 30, 2024.
- For Shared Appreciation Agreements that have reached their maturity date, but FSA has not yet calculated recapture due, FSA will complete required appraisals and calculate the recapture due as of the date of the Shared Appreciation Agreement maturity. Shared Appreciation Agreement assistance will be equal to the amount of calculated recapture.
- For Shared Appreciation Agreements that have not yet matured, FSA will be in contact with borrowers and will provide the option to request Shared Appreciation Agreement payment assistance. Borrowers must consent to FSA completing an appraisal on real estate security prior to March 31, 2025. FSA will calculate the amount of recapture that would be due as if the Shared Appreciation Agreement matured as of Sept. 30, 2024, and the borrower may accept that payment as a partial payment towards the receivable due at final maturity. Borrowers may still owe additional recapture at final Shared Appreciation Agreement maturity.
As with previous rounds of Section 22006 of the Inflation Reduction Act assistance, direct and guaranteed borrowers receiving assistance under any category above will receive a letter from FSA explaining the payment they received. Guaranteed borrowers will receive instructions to make an appointment with their lender to process the payment and apply it to their qualifying guaranteed loan accounts. FSA will provide a letter to guaranteed lenders with instructions for providing updated status reports.
Any distressed direct and guaranteed borrowers who qualify for these forms of assistance and are currently in bankruptcy will be addressed using the same case-by-case review process announced in October 2022 for complex cases.
Impact of Section 22006 of the Inflation Reduction Act Assistance
USDA conducted an Economic Impact Analysis on the $2.2 billion in payments previously provided to distressed Farm Loan Program borrowers through Section 22006 of the Inflation Reduction Act. Key findings show these payments will:
- Generate or support nearly 49,000 jobs.
- Increase household income by $2.471 billion.
- Contribute $3.556 billion to the United States gross domestic product.
- Increase gross revenues from total sales of final goods and services by $5.663 billion.
While the economic impacts of these payments will diminish over time as the economy returns to a steady state, the one-time payments are expected to strengthen local economies and potentially improve resilience and growth prospects. View the additional estimated economic impacts in this fact sheet.
Since fiscal year 2021, USDA foreclosures have significantly decreased, with only 12 farm foreclosures initiated directly by FSA, compared to a 10-year average of 51 annually. Chapter 12 farm bankruptcies have dropped from an average of 493 annually to 139 in 2023. Inflation Reduction Act assistance has brought 1,904 farmers facing foreclosure current and prevented the initiation of foreclosures for 3,970 farmers. Around 82% of direct loan borrowers who received assistance remain current on their loans.
Additional Farm Loan Programs Improvements
FSA recently announced significant changes to Farm Loan Programs through the Enhancing Program Access and Delivery for Farm Loans rule. These policy changes are designed to expand opportunities for borrowers to increase profitability and be better prepared to make strategic investments in the enhancement or expansion of their agricultural operations.
FSA also has a significant initiative underway to streamline and automate the Farm Loan Program customer-facing business process. FSA has made several impactful improvements including:
- The Loan Assistance Tool that provides customers with an interactive online, step-by-step guide to identifying the direct loan products that may be a fit for their business needs and to understanding the application process.
- The Online Loan Application, an interactive, guided application that is paperless and provides helpful features including an electronic signature option, the ability to attach supporting documents such as tax returns, complete a balance sheet and build a farm operating plan.
- An online direct loan repayment feature that relieves borrowers from the necessity of calling, mailing, or visiting a local USDA Service Center to pay a loan installment.
- A simplified direct loan paper application, reduced from 29 pages to 13 pages.
- A new educational hub with farm loan resources and videos.
- The Distressed Borrowers Assistance Network, a national initiative aimed at providing personalized support to financially distressed farmers and ranchers. The network connects borrowers with individualized assistance to help them regain financial stability.
USDA encourages producers to reach out to their local FSA farm loan staff to ensure they fully understand the wide range of loan and servicing options available to assist with starting, expanding, or maintaining their agricultural operation. To conduct business with FSA, producers should contact their local USDA Service Center.
 Are you a military veteran interested in farming? USDA offers resources to help you:
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Fund Your Operation: USDA’s Farm Service Agency offers a variety of funding opportunities to help agricultural producers finance their businesses. Certain funds are targeted for veterans and beginning farmers and ranchers.
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Conserve Natural Resources: USDA’s Natural Resources Conservation Service offers conservation programs and expert one-on-one technical assistance to strengthen agricultural operations now and into the future. Veterans may be eligible for a cost share of up to 90 percent and advance payments of up to 50 percent to cover certain conservation practices.
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Manage Risks: USDA is here to help you prepare for and recover from the unexpected. Veterans who are beginning farmers may be eligible for reduced premiums, application fee waivers, increased insurance coverage, and other incentives for multiple USDA programs that support risk management.
USDA wants to ensure that veterans transitioning to agriculture have the resources needed to succeed. To conduct business, please contact your local USDA Service Center. If you’re a new farmer, you can also reach out to your state Beginning Farmer and Rancher Coordinator.
 A dairy cow can produce up to 140 pounds of manure in a day, which is more than 50,000 pounds a year. So it’s important that producers manage it efficiently. Manure can have negative impacts on water quality, but when applied in the right amounts on land, it can protect water resources and improve soil health. Manure contains nutrients that crops use just like the nutrients in store-bought fertilizers.
USDA’s Natural Resources Conservation Service can help you manage manure using techniques such as composting. Composting manure helps reduce colorful odors and fly problems, and when dry; its light-weight makes it easy to transport and an easy spread.
NRCS also works with producers to store manure properly, which can reduce the risk of pollution into our nation’s rivers, ponds and lakes -- for example, Mystic River, Thames River, Connecticut River, Housatonic River, and Quinnipiac River are just a few of the rivers that flow into the Long Island Sound.
For more information, contact your Connecticut County USDA Service Center at visit nrcs.usda.gov.
In order to claim a Farm Service Agency (FSA) payment on behalf of a deceased producer, all program conditions for the payment must have been met before the applicable producer’s date of death.
If a producer earned a FSA payment prior to his or her death, the following is the order of precedence for the representatives of the producer:
- Administrator or executor of the estate
- The surviving spouse
- Surviving sons and daughters, including adopted children
- Surviving father and mother
- Surviving brothers and sisters
- Heirs of the deceased person who would be entitled to payment according to the State law
For FSA to release the payment, the legal representative of the deceased producer must file a form FSA-325 to claim the payment for themselves or an estate. The county office will verify that the application, contract, loan agreement, or other similar form requesting payment issuance, was signed by the applicable deadline by the deceased or a person legally authorized to act on their behalf at that time of application.
If the application, contract or loan agreement form was signed by someone other than the deceased participant, FSA will determine whether the person submitting the form has the legal authority to submit the form.
Payments will be issued to the respective representative’s name using the deceased program participant’s tax identification number. Payments made to representatives are subject to offset regulations for debts owed by the deceased.
FSA is not responsible for advising persons in obtaining legal advice on how to obtain program benefits that may be due to a participant who has died, disappeared or who has been declared incompetent.
 In this Ask the Expert, Toni Williams answers questions about how Farm Storage Facility Loans (FSFLs) provide low-interest financing to help producers build or upgrade commodity storage facilities. Toni is the Agricultural Program Manager for FSFLs at the Farm Service Agency (FSA).
Toni has worked for FSA for more than 32 years and is responsible for providing national policy and guidance for Farm Storage Facility Loans.
What are Farm Storage Facility Loans?
Farm Storage Facility Loans provide low-interest financing for eligible producers to build or upgrade facilities to store commodities.
The FSFL program was created in May 2000 to address an existing grain shortage. Historically, FSFLs benefitted grain farmers, but a change in the 2008 Farm Bill extended the program to fruit and vegetable producers for cold storage. An additional change extended the program to washing and packing sheds, where fresh produce is washed, sorted, graded, labeled, boxed up, and stored before it heads to market. Since May 2000, FSA has made more than 40,000 loans for on-farm storage.
Eligible facility types include grain bins, hay barns, bulk tanks, and facilities for cold storage. Drying and handling and storage equipment including storage and handling trucks are also eligible. Eligible facilities and equipment may be new or used, permanently affixed or portable.
To read the full blog visit farmers.gov/blog/ask-the-expert-qa-on-farm-storage-facility-loans-with-toni-williams.
 The Farm Service Agency (FSA) administers two programs that have specific safety net benefits for producers of honeybees and honey. The Noninsured Crop Disaster Assistance Program (NAP) and the Emergency Assistance for Livestock, Honeybees and Farm-Raised Fish Program (ELAP) assist producers when disasters impact honey production or damage or destroy colonies, hives or honeybee feed.
NAP is designed to reduce financial losses when natural disasters result in lower yields or crop losses, including honey. NAP coverage is equivalent to catastrophic insurance, meaning it covers up to 50 percent of a producer’s normal yield (must have at least a 50 percent loss) at 55 percent of the average market price. The 2018 Farm Bill reinstates higher levels of coverage, from 50 to 65 percent of expected production in 5 percent increments, at 100 percent of the average market price. Producers of organics and crops marketed directly to consumers also may exercise the “buy-up” option to obtain NAP coverage of 100 percent of the average market price at the coverage levels of between 50 and 65 percent of expected production.
The NAP service fee is the lesser of $325 per crop or $825 per producer per administrative county, not to exceed a total of $1,950 for a producer with farming interests in multiple counties.
You must apply for NAP coverage by December 31st prior to the year for which you’re seeking coverage.
ELAP covers colony losses, honeybee hive losses (the physical structure) and honeybee feed losses in instances where the colony, hive or feed has been destroyed by a natural disaster or, in the case of colony losses, because of Colony Collapse Disorder. Colony losses must be in excess of normal mortality.
Both the NAP and ELAP programs require you to report the number of colonies you have in production to FSA by Jan. 2, 2025. You must notify FSA within 30 calendar days of changes in the total number of colonies or when honeybees are moved to another county.
For both programs, you must notify FSA within 15 calendar days of when a loss occurs or from when the loss is apparent. To learn more about programs for honey and honeybee producers, contact your local USDA Service Center.
In the minds of many, a freshly tilled field is picturesque – cleaned and ordered for the next planting. But we’ve learned from studying soil that heavy tillage isn’t good. When soil is heavily tilled, the stalks and leaves remaining from the previous crop are chopped, disturbing the top several inches of soil. This “fluffing” action allows for better seed placement according to some, but soil scientists say not tilling leads to healthier, more drought-resistant soil.
USDA’s Natural Resources Conservation Service and other groups recommend producers to not till and leave the stalks and leaves, called residue, in place. By not tilling, soil organic matter is enhanced, increasing water infiltration and reducing erosion. No-till is a conservation practice that leaves the crop residue undisturbed from harvest.
Any tillage causes a flush of organic matter decomposition, resulting in loss of soil carbon. Tillage also breaks up soil aggregates, which are important for water infiltration, providing oxygen to plant roots, and reducing erosion.
Healthy soils cycle water and nutrients more efficiently. And they function better, enabling them to buffer against extreme drought and flooding. Plus, they reduce soil loss into waterways, which can cause problems for water quality.
Good management of field residue can increase efficiency of irrigation and control erosion. No-till can be used for many crops in almost any soil and can save producers labor costs and fuel. It’s a sound investment for the environment and the farm.
For more information, contact your Connecticut County USDA Service Center at visit nrcs.usda.gov. You can also watch the NRCS video on no-till.
 Cover crops are planted because of their excellent benefits, including improving the health and function of soil. This leads to better nutrient cycling, improved water infiltration and more consistent yields over time. Cover crops also suppress weeds, prevent erosion, control diseases and pests as well as help pollinators.
Farmers not familiar with how mixtures of cover crops work together might ask, “Why would I want to plant a cover crop that uses up all my water?” But using diverse annual cropping rotations and cover crop combinations increases soil organic matter. And for each 1 percent in organic matter, there is a 25 percent increase in water holding capacity and up to 30 pounds an acre more of available nitrogen.
While cover crops use some water in the soil profile to grow, they simultaneously improve the soil structure by building soil aggregates, providing armor for the soil surface, and recharging the water in the soil profile though increased infiltration.
Common cover crops in Connecticut include winter rye, wheat, or triticale and multispecies like rye and oats, clover and tillage radish (all depending on the resource concern).
For more information, contact your Connecticut County USDA Service Center at visit nrcs.usda.gov. You can also watch this NRCS video on cover crops.
If you’re a new farmer or rancher, can help you get started or grow your operation through a variety of programs and services, from farm loans to crop insurance, and conservation programs to disaster assistance. We offer dedicated help to beginning farmers and ranchers. USDA considers anyone who has operated a farm or ranch for less than ten years to be a beginning farmer or rancher.
The first step is to find your local USDA Service Center by visiting farmers.gov/service-center-locator. Call your local Farm Service Agency (FSA) office to make an appointment to establish a farm number. You can establish a farm number for any land being used for agricultural purposes that is over 0.01 acre.
You’ll need to bring the following to your appointment:
- Proof of identify (driver’s license, social security card, IRS Employer Identification Number (EIN))
- Proof of Ownership (copy of recorded deed or recorded land contract)
- Lease agreements
- Entity Identification Status (articles of incorporation, trust and estate documents, or partnership agreement)
FSA staff will work with you one-on-one to review your documents and register your farm with FSA. Registering your farm allows you to apply for FSA and other USDA programs.
After your farm is registered, you can meet with FSA and Natural Resources Conservation Service (NRCS) staff to discuss your business and conservation goals. FSA and NRCS staff can help you determine program eligibility and walk you through the application process.
Depending on your operation, you may want to consider crop insurance. The USDA’s Risk Management Agency provides crop insurance to help you manage risks on your farm. There are many types of insurance products available for a wide variety of production practices, including organic and sustainable agriculture.
More Information
Connecticut State NRCS Office
344 Merrow Road, Suite A
Tolland, CT 06084-3917
Phone: 860-871-4011
Connecticut State FSA Office
344 Merrow Road, Suite B
Tolland, CT 06084-3917
Phone: 860-871-4090
Fax: 855-934-2463
State Executive Director:
Emily J. Cole, PhD
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Connecticut FSA State Website
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State Office Staff:
Nathan Wilson, District Director
Jule Dybdahl, Administrative Officer
Rebecca Palmer, Program Specialist
A.J. Bellagamba, Program Specialist
Claire Vaterlaus-Staby, Outreach Coordinator
Keith Durao, Administrative Specialist
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State Committee Chair:
Mary Concklin
State Committee Members:
Amy Chesmer
Shawn Joseph
Will O’Meara
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