OW-INCOME HOME ENERGY ASSISTANCE PROGRAM (LIHEAP) 2026 PROGRAM BEGINS October 1, 2025
LOW-INCOME HOME ENERGY ASSISTANCE PROGRAM (LIHEAP) 2026 PROGRAM BEGINS October 1, 2025
Income Home Energy Assistance Program (LIHEAP) season began October 1, 2025 and will June 30, 2026. Residents who pay their own heating costs, and meet the following income be eligible to receive financial assistance with their winter heating bill. Residents with conditions may also be eligible to receive cooling assistance: apply?
The Low-Income Home Energy Assistance Program (LIHEAP) season began October 1, 2025 and will continue until June 30, 2026. Residents who pay their own heating costs, and meet the following income guidelines, may be eligible to receive financial assistance with their winter heating bill. Residents with medical conditions may also be eligible to receive cooling assistance:
DOWNTOWNER
Phone: (609) 396-1511 Website: communitynews.org
MANAGING
Sara
SENIOR ACCOUNT EXECUTIVE
Community
Phone: (609) 396-1511
MONTHLY INCOME GUIDELINES
MONTHLY INCOME GUIDELINES
Federal
How can I apply?
https://dcaid.dca.nj.gov/en-US/
1. Online - https://dcaid.dca.nj.gov/en-US/
640 S. Broad St, Trenton NJ, 08611. Appointments are not required at this time. email at: housing@mercercounty.org
2. In person at 640 S. Broad St, Trenton NJ, 08611. Appointments are not required at this time.
3. Contact us via email at: housing@mercercounty.org
appointment with Mercer County LIHEAP by calling the appointment hotline at 609 -337-0933. call 609-989-6858 or email housing@mercercounty.org
County Commissioners
The Low-Income Home Energy Assistance Program (LIHEAP) season began October 1, 2025 and will continue until June 30, 2026. Residents who pay their own heating costs, and meet the following income guidelines, may be eligible to receive financial assistance with their winter heating bill. Residents with medical conditions may also be eligible to receive cooling assistance:
Jennifer Steffen (Ext. 113)
ACCOUNT EXECUTIVE
Christine Storie (Ext. 115)
ACCOUNT EXECUTIVE
Gina Carillo (Ext. 112)
CO-PUBLISHER Jamie Griswold CO-PUBLISHER Tom Valeri
3,000 copies of the Trenton Downtowner are bulk distributed in Trenton 12 times a year.
TO ADVERTISE call (609) 396-1511, ext. 110 or e-mail advertise@communitynews.org
A proud member of:
4. Schedule an appointment with Mercer County LIHEAP by calling the appointment hotline at 609 You may also call 609-989-6858 or email housing@mercercounty.org
*Federal income limits are subject to change during the program year.
How can I apply?
1. Online - https://dcaid.dca.nj.gov/en-US/
Additional information can be obtained by visiting our website: https://www.mercercounty.org/departments/housing-community-development/housing-and-community development-programs
Additional information can be obtained by visiting our website: https://www.mercercounty.org/departments/housing-community-development/housing development-programs
Board of County Commissioners
2. In person at 640 S. Broad St, Trenton NJ, 08611. Appointments are not required at this time.
Edward Pattik Housing Director
3. By email housing@mercercounty.org
Daniel Benson, County Executive
Daniel Benson, County Executive
4. Schedule an appointment with Mercer County LIHEAP by calling the appointment hotline at 609-337-0933. You may also call 609-989-6858 or email housing@mercercounty.org.
Additional information can be obtained by visiting our website: https://www.mercercounty.org/departments/housing-communitydevelopment/housing-and-community-development-programs
RWJUH Hamilton December Healthy Living / Community Education Programs
BREAST CANCER SUPPORT GROUP
Tuesday, Dec. 2; 6:00 p.m. - 7:30 p.m.
Presented by our oncology nurse navigator and certified oncology social worker at The Cancer Center at RWJUH Hamilton, this support group welcomes those who have received a breast cancer diagnosis in all phases of their journey, and offers participants an opportunity to share personal experiences, helpful resources, and methods of coping with feelings of anxiety and distress. Please call 609.584.2836 to confirm attendance.
COLON HEALTH LECTURE AND TAKE HOME SCREENING KITS
Wednesday, Dec. 3; 1:30 p.m. - 2:30 p.m.
Learn about colon health, ways to help mitigate your risk and receive a colon cancer screening test kit to take at home and mail back.
ANGELS AMONG US: GETTING CLEAR GUIDANCE
Wednesday, Dec. 3; 6:00 p.m. - 8:00 p.m.
Join us for a discussion about guardian angels and how we can connect with and receive guidance from them. Fee $15
THE
POWER OF FOOD: NUTRITION STRATEGIES FOR DIABETES
Monday, Dec. 8; 11:00 a.m. - 12:00 p.m.
Tuesday, Dec. 23; 6:00 p.m. - 7:00 p.m.
Join our monthly series to learn how to manage and control your diabetes through dietary choices. Learn the basics of diabetes and how nutrition affects blood sugar levels. Gain practical tips for meal planning and preparation to control your diabetes.
TALK SAVES LIVES: AN INTRODUCTION TO SUICIDE PREVENTION
Monday, Dec. 8; 1:00 p.m. - 2:30 p.m.
This suicide prevention education program will review the latest data on suicide in the U.S., current research on factors that contribute to suicidal thoughts, prevention strategies, and ways to seek or offer support during times of crisis. Participants must be 18 years or older.
WII GAMES
Monday, Dec. 8, 4:00 p.m.- 5:00 p.m.
Tuesday, Dec. 16; 10:00 a.m. - 11:00 a.m.
Join RWJ Rehabilitation at RWJUH Hamilton, for this fun hour of Wii games and learn about safe mechanics. Mastering body movement is the key to safe living.
LETTING GO OF CLUTTER
Tuesday, Dec. 9; 1:30 p.m. - 2:30 p.m.
This support group explores how our emotional ties to our “stuff” can create clutter and affect our mood. A caregiver specialist will conduct these interactive groups on crucial topics and facilitate a supportive group experience.
HOLIDAY CARD MAKING
Wednesday, Dec. 10; 1:30 p.m. - 3:30 p.m.
Enjoy a sense of community as we make festive holiday cards. All materials will be provided
SACRED BREATHWORK
Wednesday, Dec. 10; 6:00 p.m. - 7:15 p.m.
Sacred Breathwork can help release negative patterns and fears that keep us stuck. Join us for this powerful
work. Please bring a yoga mat, low beach chair, blankets or anything else that will make you comfortable. Chairs will also be available. Fee $15
DON’T BET YOUR FUTURE
Thursday, Dec. 11; 5:30 p.m. - 6:30 p.m.
Gambling is a widespread activity with complex societal impacts. While many view it as a harmless pastime, for some, the risks can lead to severe financial distress, mental health issues, and damaged relationships. Our presentation will explore the powerful social factors behind gambling, the dangers of addiction, and the importance of responsible play.
GLOBAL GROOVES: BOLLYWOOD BEATS
Saturday, Dec. 13; 11:00 a.m. - 12:00 p.m.
Get ready to move and groove with the vibrant energy of Bollywood dance! Feel the beat, unleash your inner star, and experience the joy and energy of India’s most exciting dance style. No experience needed. Bring your enthusiasm and let the music move you!
PREDIABETES CONNECT GROUP
Tuesday, Dec. 16; 11:30 a.m. - 12:30 p.m.
Diagnosed with prediabetes? This group is for you to connect with others affected. Share and explore ways to improve lifestyle changes.
DINNER WITH A DOCTOR: THE HIDDEN CONNECTION BETWEEN ORAL HEALTH AND RESTFUL SLEEP
Tuesday, Dec. 16; 5:30 p.m. - 6:30 p.m.
If you or someone you love snores, wakes up exhausted, or struggles with
daytime sleepiness, you will not want to miss this talk. Join Sean Bradley, DMD, Oral and Maxillofacial Surgeon, and his team as they explain how the airway, jaw, and oral structures play a key role in sleep apnea, and how today’s oral sleep appliances can help you breathe easier, sleep deeper, and feel more energized.
MINDFULNESS MEDITATION FOR BEGINNERS
Wednesday, Dec. 17; 1:00 p.m. - 2:00 p.m.
Learn how to help heal your body and relax your busy mind.
TEEN AND CHILD SERIES: SOCIAL MEDIA SAFETY
Wednesday, Dec. 17; 6:00 p.m. - 7:30 p.m.
Technology is a big part of kids’ lives, and this workshop will give them tools to use it wisely. Students will learn how to protect their privacy, recognize unsafe or unkind online behavior, and understand the difference between positive and negative digital choices. The workshop will also encourage them to think before they click and to use social media in healthy, responsible ways.
STROKE SUPPORT GROUP
Tuesday, Dec. 23; 4:00 p.m. - 5:00 p.m.
Sarrol,Speech-Language Pathologist, & Allyson Panikowski-Berry, Occupational Therapist. Survivors and care partners at any stage of recovery are encouraged to attend.
HEART-HEALTHY NUTRITION
Monday, Dec. 29; 1:00 p.m. - 2:00 p.m.
Join our bimonthly nutrition education class. Learn about making dietary choices that support cardiovascular health. Discuss the principles of heart-healthy nutrition. Gain tips for meal planning and preparation. Explore heart-healthy recipes.
CREATIVE ARTS: JUNK JOURNALING
Tuesday, Dec. 30; 2:30 p.m. - 4:00pm
Junk journaling is a stress reducing activity that allows individuals to express themselves through creativity. This unique way of journaling involves repurposing old items and transforming them into beautiful and personal works of art. Grab some “junk” and get crafty while working on your mental health and wellness.
SCAN THE QR CODE TO JOIN OUR MAILING LIST
*All programs require registration and are held at the RWJ Fitness & Wellness Center, 3100 Quakerbridge Rd., Hamilton, NJ, unless otherwise noted.
YOGA CLASSES
Better Health is a free program for VIP’s
A SOCIAL HOUR ESPECIALLY FOR SENIORS
TAI CHI CLASSES
Tuesday, Dec. 2 and 16; 10:00 a.m. - 11:00 a.m.
Join us for this gentle yoga class using traditional postures and breathing techniques. Pose modifications will be offered so that you can confidently participate.
MEDITATION CLASSES
Tuesday, Dec. 2 and 16; 11:15 a.m. - 11:45 a.m.
Join us for a meditation class that will focus on reducing stress and achieving inner peace. Learn how easy it is to practice meditation whenever you need it most. Beginners welcome.
CHAIR YOGA
Tuesday, Dec. 2 and 16; 12:00 p.m. - 12:45 p.m.
Using a chair for seated poses and also for balancing poses, this class is perfect for those who may not have moved their bodies for a while, are recovering from an injury, or have mobility/balancing difficulties. A great place to start practicing yoga to help boost your flexibility, find inner peace, unwind and stretch.
Wednesday, Dec. 3, 10, 17; 10 a.m. - 11 a.m.
Topics created for you by you. Every week is new and something different. Join us on all the dates, two, or even one. It’s your choice. New members are always welcome.
GENTLE JAZZ CLASS
Wednesday, Dec. 3 &17; 12:00 p.m. to 1:00 p.m.
Join us for a fun gentle jazz class led by one of our Better Health Members, a former Dance Instructor, Norma Barber.
COOKIE DECORATING
Tuesday, Dec. 9; 10:00 a.m. - 11:00 a.m.
Join us as a local baker guides us through decorating her already baked from scratch cookies. All supplies included.
Thursday, Dec. 11; 1:00 p.m. - 2:00 p.m.
Tai Chi is recommended for seniors because it improves balance, strengthens muscles in the legs, and increases flexibility and stability in the ankles. It can also help reduce falls and back pain.
CREATE YOUR PERSONAL HOLIDAY WREATH
Monday, Dec. 15; 10:00 a.m. - 12:00 p.m.
Join us as we spread winter joy through art and innovation. Create a beautiful holiday wreath to take home and enjoy. This fun and hands-on class will help you tap into your inner creativity as you spend time enjoying music, friends, and crafting. All supplies included.
A place for survivors and caregivers to build a community. The group will share personal experiences, feelings, recovery strategies, and firsthand information on managing life after stroke. Join the RWJ Rehab team, Ashley Scan QR code to view, learn more & register on-line for the programs listed above.
HOLIDAY CELEBRATION
TO BECOME A BETTER HEALTH MEMBER FOR FREE SCAN THIS QR CODE
Thursday, Dec. 18; 12:00 p.m. - 3:00 p.m.
Happy holidays! Whether you come alone to meet new people or to catch up with old friends, join our Better Health Program family for an enjoyable holiday party and to reflect on a year well spent. There will be delicious food, festive dancing, and a special singer. Looking forward to celebrating the holiday season with you!
WHAT WE KEEP
Friday, Dec. 19; 10:00 a.m. - 12:00 p.m.
What keepsakes have you held onto and why? What do they say about your story? What do they represent in your life? Now is the time to bring these cherished items out of the shadows and into the light. Join us as we guide you in reinventing your treasures, turning them into meaningful symbols of the present. Through reflection, storytelling, and creative exercises (art and writing), we’ll help you uncover the deep significance of what you’ve kept and show you how to integrate your memento in a way that inspires and transforms. Supplies included.
around town
City nonprofits receive grant funding
Isles receives FEED NJ Grant to expand urban agriculture and community food access
Isles Inc., the Trenton-based community development and environmental organization, has been awarded $358,191 through the New Jersey Economic Development Authority’s (NJEDA) Food Equity and Economic Development in New Jersey (FEED NJ) Pilot Program. The grant will enable Isles to significantly expand its network of raised bed vegetable and fruit gardens while launching innovative community engagement programming in Trenton’s East and West food desert communities.
The FEED NJ award, announced by the NJEDA on November 14, was part of more than $20.6 million in grants to 50 organizations statewide working to strengthen food security in New Jersey’s most underserved communities. Isles’ project will combine urban agriculture expansion with community-building activities, including weekly Dinner-and-a-
Movie nights featuring fresh harvests from the gardens, complete with free transportation service to ensure accessibility for all residents.
“By expanding our urban agriculture network and creating welcoming spaces where neighbors can come together to grow and share their own fruit and vegetables, we’re not just addressing food insecurity — we’re building stronger, more connected communities where everyone has access to the nutrition and social connections they deserve,” said Sean Jackson, CEO of Isles.
The project builds on Isles’ decades of experience in urban agriculture and community development, expanding the organization’s existing raised bed garden network throughout Trenton’s designated food desert communities. The enhanced garden network will provide residents with increased access to fresh, nutritious produce while offering handson opportunities to learn about growing food and sustainable gardening practices.
“This is a chance to build our network of families and invite them to take advan-
tage of our garden opportunities across the City,” said Otha Caldwell, director of food and gardens for Isles.
“Gardeners are a critical part of Isles’ work and we’re eager to continue building this valuable resource in the community,” said Jason Allen, Isles managing director of community planning and development.
“What makes this initiative particularly powerful is how it weaves together food access, community engagement, and cultural connection,” said Laura Fenster Rothschild, COO of Isles. “The Dinnerand-a-Movie nights will transform the harvest from our community gardens into shared meals and experiences that bring neighbors together. By providing free transportation, we’re ensuring that mobility is never a barrier to participation, making these programs truly accessible to everyone in our community.”
Kelsey Theater
Trenton’s East and West neighborhoods are among the 14 Primary Focus Food Desert Communities identified by the NJEDA, areas characterized by limited access to affordable, healthy food options. These communities are home to residents who face significant barriers to food security, making programs like Isles’ garden expansion critically important to improving public health and quality of life.
More information: www.isles.org
I Am Trenton Awards $110,000 in 2025 Citywide Grants
TheI Am Trenton Community Foundation (IAT) has announced a total of $110,000 awarded to 18 innovative projects across the city through its 2025 Citywide Grants program. These projects uplift community voices and promote diversity, equity, and inclusion through arts, education, mentorship, public safety, cultural preservation, and healing.
Isles received a grant to help expand urban agriculture programs.
This year’s awards bring I Am Trenton closer to reaching its $1 million milestone in total grants distributed since its founding in 2007. The foundation expects to meet this goal in 2026, marking a significant moment for community-driven philanthropy in Trenton.
“Trenton’s greatest strength has always been its people — the dreamers, the doers, the neighbors who care enough to make a difference,” said Marelyn Rivera, co-president of IAT Community Foundation. “Each of these projects is a reflection of that spirit — bold, creative, and rooted in love for this city. When we invest in one another, we don’t just improve Trenton — we transform it.”
“Our grantees represent what happens when neighbors step up to shape the community they want to see,” added Michelle Ruess, co-president of IAT Community Foundation. “From youth programs to arts, health, and storytelling, their work is helping Trenton thrive in ways that are meaningful and lasting.”
This year’s grant recipients, listed below, were celebrated at a community check ceremony on November 12.
Casa Cultura – Community Arts & Latino Oral History Project: Promoting artistic expression and cultural preservation through a rotating artist residency and documentary film capturing the stories of Latino residents, fostering empathy, connection, and shared identity.
East Trenton Collaborative (FS: UrbanPromise Trenton) – Slow the Curve! Mulberry Street: Improving traffic safety for drivers, cyclists, and pedestrians through community-driven street design to ensure safe and equitable transportation access.
See GRANTS, page 6
FREE UPCOMING HEALTH EDUCATION EVENTS
Register by calling 609.394.4153 or register online at capitalhealth.org/events and be sure to include your email address. Zoom meeting details will be provided via email 2 – 3 days before the program date. Registration ends 24 hours before the program date.
Finding Calm in a Chaotic World
Wednesday, December 10, 2025 | 6 p.m.
Location: Zoom Meeting
DR. KRISTINA MCGUIRE, a licensed clinical psychologist from Capital Health Behavioral Health Specialists, will discuss strategies to cope with feelings of anger, grief, fear and helplessness related to the sociopolitical environment. Learn how to manage anxiety, set limits, and improve social connections. This discussion will focus on your mental health and not on specific political issues.
Healthy Eating
After the Holidays
Thursday, January 8, 2026 | 6 p.m.
Location: Zoom Meeting
Get back on track after the holidays with DR. KASHIF ANWAR and registered dietitian EMILY SANTORA from Capital Health Metabolic and Weight Loss Center. They’ll share tips for creating healthy eating habits that last, including mindfulness, exercise, and healthy nutrition.
Emiija’s Hope Center – Project Hope: Empowering Trenton youth and families with mentorship, wraparound care, and access to resources that promote inclusion and positive role models.
First Presbyterian Church of Trenton – 4Keys Yoga: Offering free public yoga and meditation in Downtown Trenton to support healing, self-care, and community wellness.
Guatemalan Civic Association of Mercer County – Celebrating Motherhood Citywide! Honoring mothers through a festive citywide gathering with food, music, dancing, and resources to build community connection.
Richard Hutchinson (FS: Isles) – Made In Trenton: A Youth Legacy Project: Launching young entrepre-
neurs (ages 15–21) to create their own brands, build wealth, and cultivate lasting community pride.
Kellie C. Murphy – Candlelight Events Jazz & More: Expanding access to live jazz beyond bars through free and family-friendly events that celebrate culture, creativity, and music education.
Latin American Legal Defense and Education Fund (LALDEF) – Tackling Transportation Access: Providing transportation for Trenton High School students in the FUTURO program to visit colleges, reducing barriers to higher education access.
Men For H.O.P.E. – Youth Leaders in Training: Supporting peer mentors who teach carpentry, leadership, and goal-setting to younger participants, creating cycles of empowerment.
Neighborhood Improvement Asso-
ciation – Trifecta for Truth: Leading a free intergenerational trip to Washington, D.C., focused on Black history, education, and community connection.
Old Barracks Association – Spanish Translations for Museum Events, Programs, and Marketing: Hiring a Spanish translator to expand access and inclusion in Trenton’s historic programming.
Play Soccer Nonprofit International – Play Soccer Trenton 2026 World Cup Festival: A large-scale community festival combining soccer, culture, and health education for 2,500+ participants ahead of the 2026 World Cup.
Puerto Rican Community Center –Family Care Kits: Providing essential care kits with hygiene, bedding, and food supplies to promote dignity and wellbeing for Trenton families.
The Dads Foundation – Fathers for Trans Futures: A Weekend of Healing, Storytelling & Solidarity: Uplifting Black and Brown fathers of transgender and nonbinary youth through a weekend of dialogue, film, and healing-centered workshops.
Trenton Community A-Team – Little Homes, Big Pride: A hands-on art initiative inviting children to design and paint birdhouses, promoting creativity,
EVENTS
INBOX
pride, and neighborhood unity.
Trenton Pride Center – Mental Health Mutual Aid: Launching a program to connect LGBTQ residents to affirming mental health providers, ensuring access to care and community support.
Trenton Sk8s (Jaclyn Duncan) – Trenton Sk8s: Hosting free skate events, classes, and workshops that celebrate movement, inclusion, and healthy fun for skaters of all ages.
Visionary Philanthropy Group Inc. – Girls Who Code: Empowering 15 Trenton girls with free, high-quality coding education and entrepreneurial skillbuilding to bridge the digital divide.
For more information, visit ww.iamtrenton.org
Henry J. Austin Health Center receives Health Equity Fund grant
Henry J. Austin Health Center (HJAHC) has been selected as one of 10 community health centers nationwide to receive funding from Direct Relief’s Fund for Health Equity, supported by Sanofi. The $200,000 grant, part of a $2 million investment through Sanofi’s “Breathe Easier” campaign, will help HJAHC expand prevention, education, and treatment programs focused on improving respiratory health in historically underserved communities.
The funding will enable HJAHC to enhance services addressing chronic respiratory diseases such as asthma, respiratory syncytial virus (RSV), and chronic obstructive pulmonary disease (COPD). It will also support initiatives that strengthen community outreach, provide education on environmental triggers, and expand access to care for both children and adults affected by these conditions.
“This grant reflects our shared commitment to ensuring our patients have access to care that supports both their physical health and the conditions that shape it,” said HJAHC CEO Charles L. Davis, II. “We are honored to partner with Direct Relief and Sanofi to strengthen our programs and continue building a healthier, more equitable community.”
Funding will support new and ongoing efforts to improve patient access, strengthen community partnerships, and measure the impact of health equity initiatives. Direct Relief and Sanofi’s “Breathe Easier” campaign supports organizations across the United States working to ensure that all individuals, regardless of background or income, have access to the care and resources needed to live healthier lives.
21 Locks Brewing
Foundation Academies builds for the future with new Grand Street campus
Foundation Academies has started construction on a new high school campus at 350 Grand Street, the site of a former factory in Trenton.
Foundation Academies (FA) CEO Sheria McRae grew up in Trenton, graduated from Howard University, and returned to her hometown as an educator with her family. Foundation Academies’ expansion, she says, makes a clear statement to Trenton’s youth: We see you. We invest in you. And we believe in your future.
“We are creating a campus where talent is discovered, nurtured, and shared — because Trenton is not a place to leave, but a place to lead,” McRae said in a press statement following the groundbreaking.
This historic site, once home to the Horsman Doll Factory, was a cornerstone of Trenton’s manufacturing legacy. At its peak, the factory employed more than 1,000 workers and symbolized the city’s spirit of creativity and innovation. Though the building has been vacant since the 1960s, next August it will reopen with new life — welcoming nearly 500 high school students who will both honor the city’s past and build its future.
The project has won support from community leaders who see FA’s transformation of the site as a symbol of Tren-
Construction
ton’s resilience. Councilwoman Jenna Figueroa Kettenburg, who represents the neighborhood including the FA Collegiate campus, calls the project “a powerful turning point.”
“As both a councilwoman and a neighbor, I chose to support this project be-
cause I see the bigger picture,” she said. “This is about transforming a longneglected property into something that uplifts the entire area. It’s about creating a place that reflects the promise of our young people. And it’s about proving, once again, that investment and innovation belong right here in our neighborhoods.”
The new campus features more than twice the educational space as the current high school at 22 Grand Street.
Opening a third campus also creates opportunities for scholars from kindergarten through grade 12, with the middle school moving into 22 Grand Street and elementary school expanding to all three floors at 363 West State Streeet.
Anthony J. Destribats
Bernard A. Campbell, Jr.
Raymond C. Staub
David P. Schroth
Kimberly A. Greenberg
Anthony J. Destribats
Adam Lipps
Bernard A. Campbell, Jr.
Jay G. Destribats (1969-2015)
Raymond C. Staub
David P. Schroth
Kimberly A. Greenberg John Ferner
FA’s new high school campus will feature a modern, fully equipped library and makerspace, a diverse set of STEM labs, some traditional and some experimental, a College & Career Center featuring virtual reality workforce training, a fitness facility, a stage and lighting booth for per-
formances, a sound-proofed music room with instrument storage, and a dance and movement studio. Many of these spaces will be available for use by the community, as well.
Through the College & Career Center, FA will be the first school to partner with the state of New Jersey to provide Pre-Employment Transition Services to students with special needs. Daniela Rivera, FA’s senior director of workforce & public funding, says Pre-Employment Transition Services go beyond typical career guidance by giving students direct, hands-on experiences, such as exploring different careers, building workplace skills, and learning in real-world settings.
“This is about unlocking doors and building brighter futures for every scholar we serve,” Rivera said. “Integrating pre-employment training services into the academic journey ensures that our scholars don’t just earn a diploma, they graduate ready for college, career, and life.”
Campus construction is financed through a public bond held by Friends of Foundation Academies (FOFA), a separate 501(c)3 nonprofit that fundraises in support of the school and scholars. FOFA also recently launched the Building Futures Fund capital campaign to equip those spaces and ensure teachers and scholars have the resources they need. They have currently raised 65 percent of the $3 million capital campaign goal.
Foundation Academies is a public charter school providing free quality education to more than 1,200 students kindergarten through Grade 12. It opened in 2007 with 86 scholars in a borrowed building and has grown into Mercer County’s largest charter network.
“By creating safe, beautiful spaces for our children to learn and grow, we’re not just renovating an industrial site,” McRae notes. “We’re building futures.”
Learn more at www.foundationacademies.org.
INSURANCE SERVICES
BETH FELTUS EMPLOYEE BENEFITS SPECIALIST
Holiday happenings light up the city
’Tis the season in the Capital City. With the holiday season approaching, Trenton’s Christmas tree has arrived at City Hall in preparation for its lighting and Christmas parade.
The Norway Spruce tree from Pun’kin Hollow Farms in Stockton stands at 43 feet tall and 20 feet wide. Decorated with more than 19,000 LED lights and topped with a 48-inch LED shimmering cool white 8-point star, the 35-year-old Christmas tree will shine bright enough to guide Santa straight to Trenton.
This year’s tree-lighting event starts with a parade traveling through all four wards, spreading Christmas cheer with carolers and music, holiday-themed floats, and gifts from Mr. and Mrs. Claus for any child who is outside during the parade. The parade starts from City Hall on Friday, December 5, at 3 p.m.
The festivities continue at City Hall starting at 5 p.m., with musical and dance performances, a word from the Mayor and City officials, and a warming station with hot chocolate and cookies.
Once the parade reaches City Hall, Santa and Mrs. Claus will get off their sleigh and light the tree with the Mayor and City officials. The gifts under the tree will then be given out to the children of the community. After all gifts are distributed, families will be able to take pictures with Santa in City Hall’s atrium. For more information about upcoming events and programs, visit www.trentonnj.org/rec.
New Jersey Capital Philharmonic
The Trenton orchestra invites conductor Ruth Ochs to lead its New Year’s Eve concert. The program includes works by Enescu, Leroy Anderson, Enrique Granados, Gabriela Ortiz, Johann Strauss Jr., Bizet, and Saint-Saens. Arrive early for a pre-concert organ recital by Ian Fraser at 7:10 p.m. $10 to $60. Trenton War Memorial, 1 Memorial Drive. Wednesday, December 31, 8 p.m. capitalphilharmonic.org.
Orchestra of St. Peter by the Sea
The orchestra led by Father Alphonse from St. Peter’s Church in Point Pleasant Beach, New Jersey, performs “Sounds of Christmas,” a benefit concert for the Mount Carmel Guild of Trenton. Proceeds support the nonprofit’s mission to provide critical services such as food assistance and healthcare to those in need. $45. Immaculate Conception Church, 540 Chestnut Avenue. Thursday, December
The Trenton-based choral group presents its seasonal concert, “Winter Songs XIX: Cold Air ... Warm Hearts.” The program features the music of Ralph Vaughan Williams, Robert Shaw, Joseph Martin, and others, performed in partnership with the Trenton Children’s Chorus under the direction of Desiree Melegrito. $20 to $25. Sacred Heart Church, 343 South Broad Street. Sunday, December 7, 4 p.m. www.capitalsingers.org
Passage Theatre
The Trenton community theater and the Trenton Film Society have announced a brand-new Holly Folly Film Festival, a four-day celebration for adults and children. Audiences enjoy a curated lineup of classic and contemporary holiday films for all ages, alongside a variety of fun activities. Refreshments available. Screenings include “The Preacher’s Wife,” rated PG, Thursday, December 4, 7:30 p.m. “National Lampoon’s Christmas Vacation,” rated PG-13, Friday, December 5, 5 and 7:30 p.m.; “It’s a Wonderful Life,” rated PG, Saturday, December 6, 5:30 p.m.; and “The Polar Express,” rated G, Sunday, December 7, 1:30 and 4 p.m. Mill Hill Playhouse, 205 East Front Street. $10 per screening. passagetheatre.org
Mill Hill Holiday House and Window Tour
The Old Mill Hill Society hosts the 2025 Mill Hill Holiday House Tour Mill Hill residents share both indoor décor and outdoor hospitality, giving visitors the chance to view beautiful decorations, relax, mingle, and enjoy refreshments. The tour goes on, rain or shine.
The House Tour, started more than 55 years ago, is Mill Hill’s signature event and a Trenton holiday tradition. More than a dozen homes in the neighborhood will display special decorations, with owners sharing cheerful conversation indoors, and on stoops and sidewalks. Children under 12 may attend at no cost. With a variety of architectural styles, sizes and ages, Mill Hill’s 19th century streetscape is one of the most interesting between New York and Philadelphia. The tour is organized by the Old Mill Hill Society. Proceeds help finance grants to assist property owners with maintaining the national historic landmark standards. $20, available online or at Artworks, 19 Everett Alley, Trenton. Saturday, December 6, noon to 5 p.m. trentonmillhill. org/events
The City of Trenton kicks off the holidays with a parade carrying Santa and Mrs. Claus through all four wards followed by a tree lighting ceremony at City Hall on Friday, December 5.
Artworks Trenton
The 10×10 Red Dot Fundraising Exhibition is a chance for the novice to test the waters of original art, experienced artists to help Artworks fund continued programming, and an opportunity for the collector to build their art collection.
More than 100 Trenton area artists create art on a 10”x10” canvas. The works are dynamic, diverse, and all created specifically for Artworks. Experienced and novice artists create works in oil, acrylic, mixed media, photography, pastel, watercolor and more. All works sell for $100, with a 50/50 split on proceeds with the artist. Artworks Trenton, 19 Everett Alley, Trenton. Opening reception Saturday, December 13, 6 to 9 p.m. On view through Saturday, January 10. www.artworkstrenton.org.
Patriots Week
The annual series of events commemorating the Trenton region’s role in the American Revolution runs from Friday, December 26, through Wednesday, December 31. The schedule is as follows.
Friday, december 26
Trenton Battlefield walking tour
This 10-block interpretive walk brings to life the two battles of Trenton. Broad and Warren Streets are once again “Queen” and “King” Streets as Washington’s shivering troops approach from two directions to strike and defeat the German regiments. The tour includes stops at the historic Trenton Battle Monument and the Assunpink Creek in Mill Hill Park. Veteran tour guide Ralph Siegel leads the tour, which starts with a one-hour discus-
sion and Q&A at the Capital Center 2nd floor food court, 50 East State Street. 9 a.m. to noon. Free.
NJ State House Tours. Visit the home of the New Jersey State Legislature. Join a guided tour of the General Assembly and Senate chambers and discover the storied history of New Jersey’s State House. Advanced reservations required by calling 609-847-3150.145 West State Street. 10 and 11 a.m. and 1 and 2 p.m. Free. Also December 29 and 30.
The Stars of 1776. Explore the night sky as it would have been seen in 1776 by George Washington and his troops, then stay for special Planetarium shows. Tickets required. New Jersey State Museum Planetarium, 205 West State Street. Noon, 1, and 2 p.m. Also December 27, 28, 30, and 31.
Colonial Churches of Trenton walking tour & Revolutionary Tea Party
The tour starts at 1 p.m. at Trenton Free Public Library. At 2 p.m., join certified tea specialists Deborah and Michael Raab for a special presentation on some of the history and rituals connected to the subject of colonial-era tea parties in the Colonies. A tea tasting is included. 120 Academy Street. 1 to 3 p.m. Free.
Colonial Ball. Mingle with the soldiers of the Battle of Trenton and learn their favorite dance steps while enjoying live music from the Colonial era! Period dress is neither discouraged nor required. Tickets required. Old Barracks Museum, 100 Barrack Street. 7 to 10 p.m.
Saturday, december 27
Quakers: Choose a Side! The Reli-
See HOLIDAYS, page 12
When joint surgery affects more than just you, closer is better. Do it right. Here.
When you need relief from joint pain, you want nothing less than the highest level of orthopedic care. At RWJBarnabas Health, you’ll find board-certified surgeons using the latest treatments and technology, including robot-assisted joint replacement and other minimally invasive procedures, with physical therapy right on site. Visit rwjbh.org/ortho to learn more.
gious Society of Friends (Quakers) believed in the renunciation of war. This tenet was sorely tested with the onset of the American Revolution. How did the Trenton Quakers feel about Philemon Dickinson, a slave-owning Quaker who fought in the Battle of Trenton as a general in the Colonial army? How did they react when the British Dragoons took over their meetinghouse as a barrack? Did they continue to meet during the War? Learn more from lecturer Fred Millner, Ph.D. at the Trenton Meetinghouse, probably the oldest surviving house of worship in Trenton. Refreshments and conversation afterwards at the Meetinghouse. Trenton Meeting of Friends, 142 East Hanover Street. 10 a.m. Free. Battle of Trenton Reenactment/ First Battle. Immerse yourself in history while reenactors fight through the first battle of Trenton. The battle takes place along Warren and Broad Streets between the Trenton Battle Monument, Warren and Broad streets. 11 a.m. Free.
The Trouble with Trenton puppet show. An interactive, historical look at amazing American history presented by marionettes and rod puppets — with lots of help from the audience. The show includes live music, important props, and plenty of “revolting” action. Warren Street Plaza, Warren and Hanover streets. Noon and 2 p.m. Free.
Trenton 1775: A Colonial Town Caught in the Revolution walking tour. In 1775 Trenton was a young community of only 500 souls. The Continental and British armies each brought 1500 fighting men to town, overwhelming Trenton’s small spaces, limited accommodations, and modest supplies of food, water, and wood. Attorney Marc A. McKithen will lead visitors on a walking tour of colonial Trenton, introducing the people who lived here in 1776, their amusements, loyalties, and fears. Tour starts and ends in the historic Trenton Friends Meetinghouse. Refreshments and conversations at the end of the tour. Trenton Friends Meetinghouse, 142 East Hanover Street. Noon to 1:30 p.m. Free.
Hogmanay! A Scottish Celebration of the New Year! Welcome to the Scottish celebration of the New Year — celebrated in honor of William Trent, founder of Trenton, who immigrated from Scotland. Bagpipers start off the program while visitors learn an authentic Colonial recipe for shortbread while enjoying hot cider and other treats. End your visit by lighting your wishes for 2026. 1719 William Trent House, 15 Market Street. 2 p.m. Free.
The annual Patriots Week events include reenactments of Revolutionary War battles, a Colonial Ball, a puppet show, and more.
Battle of Trenton Reenactment/ Second Battle. The second battle takes place between State Street and Mill Hill Park beginning with a short commemorative ceremony at the 1st Presbyterian Church, 120 East State Street. The majority of the reenactment takes place in Mill Hill Park, Front and Broad streets. 3 p.m. Free.
Assunpink Firewalk & Reading of Thomas Paine’s The American Crisis. Enjoy live traditional music, warm drinks and cookies on the park’s Iron Bridge, followed by the dramatic lighting of 13 torches along the banks of the historic Assunpink Creek and a dramatic reading of Thomas Paine’s “The American Crisis.” Mill Hill Park, corner of Front and Broad streets. 4 to 6:30 p.m. Free.
Revolutionary Pub Crawl. This year’s Pub Crawl starts at The Lobby Club and moves on to other stops including Station Tapas & Bar, McManimon’s Monument Pub, Coopers Riverview, and 1911 Smoke House Barbeque. Revolu-
tionary/Colonial garb optional and welcomed! No fee, just pay for your own food and drink as you go. Don’t forget to tip your servers & bartenders! This year’s Patriots’ password is: “Anais’s Short Beer.” Ages 21+. The Lobby Club, 17 East Front Street. 5:30 p.m.
Sunday, december 28
Tavern Talk. History-curious beer enthusiasts are invited to join friends and strangers in discussing the ideals, opinions and motivations of local citizens as the war for independence uproots their lives. Reenactors representing colonists from various walks of life help you imagine that you are quaffing a brew in a colonial tavern, as neighbors and friends debate around you. It’s a defining moment for the American colonies. Which side will you take? $10 entry fee, beer purchase separate. Advance tickets required. First Presbyterian Church, 120 East State Street. 12 to 2 p.m.
Author Talk: The Delaware Crossings. Author Larry Kidder speaks on his
most recent book exploring the many crossings of the Delaware River by General George Washington and his Continental forces. 1719 William Trent House Visitor Center, 15 Market Street. 3 p.m. Free.
monday, december 29
Author Talk: Winning the 10 Crucial Days. Join author David Price online as he discusses his book “Winning The Ten Crucial Days: The Keys to Victory in George Washington’s Legendary Winter Campaign”. Pre-registration is required. Noon to 1 p.m. Free.
Songs and Stories of the Revolution. Dressed in Colonial garb, storyteller and musician Matthew Dodd performs stories and songs, taking his audience back to Colonial New Jersey during the American Revolution. Trenton Free Public Library, Reading Room, 120 Academy Street. 2 to 3 p.m. Free.
tueSday, december 30
Civil War Flag Gallery unveiling. Join flag historian Dr. David Martin and the Museum’s Curator of Cultural History Nicholas Ciotola for the history of five new Civil War regimental flags being unveiled in the NJ State Museum exhibition, The Civil War Flag Collection of New Jersey. NJ State Museum, 205 West State Street. 10 to 11 a.m. Free.
Hidden History Tour. Stop in for a tour and learn how this site was pivotal to the Battle of Trenton. Find out what happened to the cannons under the poplars, discover catacombs under the church and visit the grave of David Brearley, founder of the Electoral College and signer of the Constitution. St. Michael’s Episcopal Church, 140 North Warren Street. 1 to 2:30 p.m. Free.
Make A Quill Pen & Write like John Hancock (children’s workshop). Create your own piece of history. Fashion a quill pen and see if you can sign your name as well as John Hancock! Everyone gets a feather for their cap. St Michael’s Episcopal Church, 140 North Warren Street. 2:30 p.m. Free.
WedneSday, december 31
Annual Inter-Faith Peace Vigil. Join the Trenton Friends Meeting for their annual peace vigil. There will be a brief introduction to Quaker ways and then silence. Various faith-leaders speak on “Peace on earth,” then everyone is invited to speak if led to do so. Following a sing-along, visitors are invited to share a meal. Trenton Friends Meetinghouse, 142 East Hanover Street. 4 p.m. Free.
For more information and ticket/registration links, visit patriotsweek.com/ events
WEDNESDAY DECEMBER 3
Live Band Jam, Cooper’s Riverview, 50 Riverview Plaza. 609-393-7300. www.coopersnj.com. PA, full backline with drums, amps, and house band to sit in with. Sign-up for musicians starts a�er 6:30 p.m. 7 p.m.
Unveiling of a New Jersey Black Heritage Trail Marker, William Trent House, 15 Market Street.. www.williamtrenthouse.org. The Trent House Associa�on is honored to be a site on the New Jersey Black Heritage Trail and invites all to a�end the unveiling of the site marker. The program is free; confirm a�endance by emailing scarneytrenthouse@outlook.com. 3 p.m.
THURSDAY DECEMBER 4
Holly Folly Film Fes�val, Passage Theater, Mill Hill Playhouse, 205 East Front Street.. www.passagetheatre.org. Screening of “The Preacher’s Wife,” rated PG. $10. 7:30 p.m.
FRIDAY DECEMBER 5
Holly Folly Film Fes�val, Passage Theater, Mill Hill Playhouse, 205 East Front Street.. www.passagetheatre.org. Screening of “Na�onal Lampoon’s Christmas Vaca�on,” rated PG-13. $10. 5 and 7:30 p.m.
‘Twas the Night Before Christmas, Kelsey Theater, Mercer Community College, 1200 Old Trenton Road, West Windsor, 609-570-3333. www. kelseyatmccc.org. Clement Moore’s beloved poem brought to life on stage for all ages. $16 adults, $14 children. 7 p.m.
Christmas Parade & Tree Ligh�ng, City of Trenton www.trentonnj.org/rec. Parade travels through all four wards, spreading Christmas cheer with carolers and music, holiday-themed floats, and gi�s from Mr. and Mrs. Claus for any child who is outside during the parade. Tree ligh�ng, gi� distribu�on, and photos with Santa once parade reaches City Hall. 3 p.m.
dECEMBEr HEadLInErS
SATURDAY DECEMBER 6
Holly Folly Film Fes�val, Passage Theater, Mill Hill Playhouse, 205 East Front Street.. www.passagetheatre.org. Screening of “It’s a Wonderful Life,” rated PG. $10. 5:30 p.m.
The Discoteks Dance Party, Cooper’s Riverview, 50 Riverview Plaza. 609-393-7300. www.coopersnj. com. With DJ John Rossi. Tickets via EventBrite, $19 and up. 7 p.m.
Heroes Holiday Giving Dinner 2025 Fire Department, 244 Perry Street.. Walk-up friendly and open to all. To volunteer or donate, contact Capt. Torrey Sykes at 609-696-3950. 10 a.m. to 2 p.m.
Winter Meteor Showers Talk, New Jersey State Museum Planetarium, 205 West State Street.. www.statemuseum.nj.gov. Learn about the Geminid and Quadran�d meteor showers, including when, where, and how to look for them. Presenter Michael Pedowitz, Planetarium Technician, also talks about other small objects in the Solar System, such as comets and asteroids, which are deeply connected with both meteor showers and the history of our planet. Register. 4:15 p.m.
SUNDAY DECEMBER 7
‘Twas the Night Before Christmas, Holly Folly Film Fes�val, Passage Theater, Mill Hill Playhouse, 205 East Front Street.. www.passagetheatre. org. Screening of “The Polar Express,” rated G. $10. 1:30 and 4 p.m.
East Jersey Bound: Sco�sh Immigrants in the 1680s, William Trent House, 15 Market Street.. �nyurl.com/TalkDec7. Talk by Derrick Johnston of the University of Glasgow in Scotland on Scot�sh immigrants who came to the American colony of East Jersey in the 1680s. Via Zoom. Reg-
ister. Free; dona�ons accepted. 10:30 a.m. to noon.
WEDNESDAY DECEMBER 10
Live Band Jam, Cooper’s Riverview, 50 Riverview Plaza. 609-393-7300. www.coopersnj.com. PA, full backline with drums, amps, and house band to sit in with. Sign-up for musicians starts a�er 6:30 p.m. 7 p.m.
10x10 Red Dot Art Sale, Artworks Trenton, 19 Evere� Alley. www.artworkstrenton.org. Opening recep�on and start of sales for annual fundraiser in which area ar�sts create works on 10x10” canvas. All works priced at $100. Sales support Artworks and the Trenton arts community. In person and virtual exhibit with sales con�nuing through January 10, 2026. 6 to 9 p.m. The Geology of Trenton Walks!, State Museum, 205 West State Street. gmtma.org/trail-happenings. Pierre Lacombe, re�red hydrogeologist with 34 years of experience with the U.S. Geological Survey, leads a walk showing the pivotal role geology and geography played in Trenton’s history. From the Stone Age to the Industrial Revolu�on and more, the rocks of Trenton enabled the city to make nearly everything. Learn more about those rocks and what they’ve been used to make, including the Falls of the Delaware, the State Capitol, the Pe�y’s Run Archeological Excava�on, Thomas Edison State University, the Old Barracks, and the Masonic Temple. 1.1-mile walk. 9:30 a.m.
SUNDAY DECEMBER 14
Chanukah begins at sunset Trenton Makes Jazz Series: Jerry Compere City Museum at Ellarslie, Cadwalader Park. 609-9891191. www.ellarslie.org. Doors open at 5:30 p.m. Register. Free; dona�ons welcome. 6 p.m.
FRIDAY DECEMBER 19
The Soul Cruisers, Cooper’s Riverview, 50 Riverview Plaza. 609-393-7300. www.coopersnj.com. Holiday party and dinner show. With DJ John Rossi. Tickets via EventBrite, $19 and up. 7 p.m.
SATURDAY DECEMBER 20
Science Under the Stars: An Astronomer’s View on Climate: Milankovitch Cycles, New Jersey State Museum, 205 West State Street. www.statemuseum.nj.gov. Over the last 800,000 years glacial ice caps miles deep advanced and retreated across North America at least eight �mes. These cyclic changes in Earth climate are connected to small cyclic varia�ons in Earth’s orbit. Hear about how astronomy and climate science are connected, and how New Jersey rocks have something to say about these cycles. 4:15 p.m.
FRIDAY DECEMBER 26
The Shot of Southern, Cooper’s Riverview, 50 Riverview Plaza. 609-393-7300. www.coopersnj. com. Nashville experience holiday show. Tickets via EventBrite, $19 and up. 7 p.m.
WEDNESDAY DECEMBER 31
New Year’s Eve Concert, Capital Philharmonic of New Jersey, Patriots Theater at the War Memorial, 1 Memorial Drive. www.capitalphilharmonic.org. Ruth Ochs conducts works by works by Enescu, Leroy Anderson, Enrique Granados, Gabriela Or�z, Johann Strauss Jr. Bizet, and Saint-Saens. Pre-concert organ recital by Ian Fraser at 7:10 p.m. $10 to $60. 8 p.m.
CLASSIFIED
VACATION RENTAL
Fort Myers Beach, Fl. Dates are still available 1 br condo on beach. Call for details @ 609-577-8244.
HELP WANTED
Work From Home Quick Question...If you could earn an extra $5,000+ per month in as little as 60 days, would you want to know how? Listen to a 3-Minute Recorded Message. Call: (518) 841-1126, Then call Elaine at (640) 202-0791 for a Zoom invite. (Serious Inquiries Only!) Code:CP
FOR SALE
Carpentry Tools? Various carpentry tools for sale. Corded saws, sanders, routers, planers, misc hand tools. Lightly used/like new. Contact John Stanley @609-356-3533.
Antiques for Sale Antiques large and small. Jigsaw puzzles 500 pieces & 1000 pieces. Cash - 609-737-7156
SERVICES
F,D, Mason Contractor, Over 30 years of experience. Brick, Block, Stone, Concrete. No job too large or small. Fully Insured and Licensed. Free Estimates 908-385-5701 Lic#13VH05475900.
Are you single? Try us first! We are an enjoyable alternative to online dating. Sweet Beginnings Matchmaker, 215-539-2894, www. sweetbeginnings.info.
LEGAL SERVICES Wills, Power of Attorney, Real Estate, Federal and NJ Taxes, Education Law. House calls available. Bruce Cooke, Esq. 609-799-4674, 609-721-4358.
Guitar, Ukulele and Drum lessons for all. Call Jane 609 510-1400. $25.00 per lesson.
MUSICAL INSTRUMENTS
I Buy Guitars All Musical Instruments in Any Condition: Call Rob at 609-577-3337.
Cash paid for World War II Military Items. Helmets, swords, medals, etc. Call: 609-6582996, E-mail: lenny1944x@gmail.com
Cash paid for SELMER SAXOPHONES and other vintage models.609-658-2996 or e-mail lenny1944x@gmail.com
HAPPY HEROES used books looking to buy old Mysteries, Science Fiction, kids series books ( old Hardy boys-Nancy Drew-etc WITH DUSTJACKETS in good shape), Dell Mapbacks - PULP magazines , old role playing stuff, good conditioned pre 1975 paperbacks old COLLIER’S magazine. Call 609-619-3480 or email happyheroes@gmail.com .
Celebrate the Season with Ease
Enjoy every moment your way — a Holiday Lifestyle Loan can take care of the rest.
¹ Annual Percentage Rate (APR) effective as of October 1, 2022. Subject to credit approval. Financing available up to 60 months. Rates as low as 7.24% for 36 months, 8.24% for 48 months, and 9.24% for 60 months. Rates are based on credit worthiness. Payment amount is determined by APR and term. The loan payment is $30.99 per $1,000 borrowed at 7.24% for 36 months. The loan payment is $24.53 per $1,000 borrowed at 8.24% for 48 months. The loan payment is $20.88 per $1,000 borrowed at 9.24% for 60 months. Rates subject to change at any time.
2 Each lifestyle loan closed during this promotional period will make no payments for 90 days. Accepting the terms of “no payment for 90 days offer” will extend the maturity of your loan for at least 90 days but less than 110 days. If accepting the delayed first payment, you will not be eligible for any other skipping/delaying your payment during this calendar year. Interest will accrue during this period. Loan amounts of up to $25,000 are available. Processing fee of $35 will apply. All loans are subject to credit approval.
