March Member Exchange

Member Exchange March 2023

RI Rebounds Ventilation Program

The Rhode Island Rebounds Ventilation Initiative is a $2 million program aimed at improving the indoor air quality of Rhode Island’s small businesses and reducing the spread of COVID-19.

Businesses may receive up to $10,000 in reimbursement for projects including:

• Installing higher-grade air filters

• Installing/repairing central HVAC systems

• Adding indoor air purifiers, windows, fans

• Conducting an indoor airflow and quality assessment

Businesses that are interested in participating in the Ventilation Initiative must meet several requirements, including the following:

• Be a Rhode Island based business

• Have less than $1 million in annual gross revenues

• Demonstrate a negative economic impact from the COVID-19 pandemic

• Receive no more than $10,000 from Take It Outside and the Ventilation Initiative

• Receive no more than $20,000 in total from the fours RI Rebounds small business programs (Ventilation, Take It Outside, Small Business Direct Grant, and Technical Assistance)

Don’t settle for generic Accounting & Reporting. Your restaurant’s metrics are not the same as a landscaping company. Yet, your accountant is likely providing you with the same generic reporting processed from bookkeeping software. There is a better way — a much better way. With RAS1 you have all of your bookkeeping along with customized financial reporting in your hands on a timely and accurate basis every week allowing you to stay profitable and gain control of your prime cost and operating expenses.

Pioneers for the business you love. There are many reasons why there is a number 1 in our name. In 1989, RAS1 started first in Nantucket providing bookkeeping and accounting solutions to high volume, seasonal restaurants. Over 30 years later, we are still truly the number one accounting solution for restaurants, delivering weekly processing of bookkeeping and financial reporting to a much expanded restaurant client base with longevity to customers and membership with the MRA.

Can your current Restaurant Accounting Service truthfully say that?

Arthur G. Chaprales, Founder & CEO

George A. Leonovich, Co-Founder & COO

“RAS1 has been nothing short of fantastic for the past 15 years. Before them, I had an entire corporate accounting department with a CFO and many bookkeepers. Now I simply have RAS1 with Arthur as my CFO and the RAS1 team replacing the huge overhead of an accounting department. Most importantly, I have reliable weekly bookkeeping and reporting and monthly financial statements that are fine-tuned and dialed in to all my restaurant holdings. I only wish I discovered my alternative accounting solution and moved over to RAS1 15 years sooner.”

Anthony Athanas, Jr. Owner, Anthony’s Pier 4 Restaurant Group

“14 years ago, our legendary Boston Restaurant CPA, Mr. Saul Garlick, recommended RAS1 as an alternative to our then in-house accounting department. Thank you Saul for that recommendation and thank you RAS1 for continuing to provide the optimum of bookkeeping and financial reporting standards.”

Rob Gregory, Owner Redbones, Somerville

“ For the past 19 years, I could always count on RAS1 to guide me through the financial challenges that go hand and hand with operating a very busy restaurant. The daily, weekly and monthly financial information I receive has made my life less stressful and my restaurant more profitable.”

Alan Delaney, Owner Skipper Chowder House

“In the restaurant business, you can get in trouble really fast. That’s the beauty of receiving accurate bookkeeping resulting in critical weekly and monthly reports. RAS1 lets you know where you are and where you should be like a road map, making sure percentages are in line at all times. I couldn’t even imagine what it would be like to operate my busy restaurant without the RAS1 road map and team approach which I have had for over 25 years.”

Gerry Manning, Owner Captain Parker’s Restaurant

(left)

(right)

March 13, 2023

NEWPORT, R.I. __ Five local organizations – the Dr. Martin Luther King, Jr. Community Center, Bike Newport, FabNewport, Conexión Latina and Women’s Resource Center – recently participated in a pilot project to gain BRAVE Space certification. “B.R.A.V.E.” – an acronym for Belonging, Respect, Acceptance, Validity and Equity – certification indicates spaces the LGBTQIA+ community will feel safe, welcome, and validated.

Thanks to COVID relief funding from the Rhode Island Department of Health, the project started as a collaborative pilot between the MLK Community Center and the Newport Health Equity Zone LGBTQ+ Health Working Group (HEZ) to create a Safe Zone certification applicable to non-healthcare organizations, building upon the Blue Cross Blue Shield of Rhode Island Safe Zone concept for healthcare agencies (https://www. newportri.com/story/news/local/2021/11/03/lgbtq-safe-zones-newport-certified-through-blue-cross-program/6179899001/).

To gain BRAVE certification, participating organizations must examine both client and employee relations and policies and learn how to create a truly safe and welcoming environment for the LGBTQIA+ community, all through an intersectional lens. “Intersectionality” here means the ways that systems of inequalities based on gender identity, race, ethnicity, sexual orientation, disability, class and other forms of discrimination “intersect” to create unique dynamics and effects (Center for Intersectional Justice).

“At the MLK Community Center, we are committed to creating an environment where all persons affiliated with the Center, particularly those of us who are people of color, within the LGBTQIA+ community and/or with disabilities, are truly seen and treated with the utmost consideration, respect, and compassion,” said Heather Hole Strout, Executive Director of the MLK Community Center.

The list of 11 criteria were settled upon with the help of the HEZ LGBTQIA+ Working Group and four focus groups consisting of locals who identify with the LGBTQIA+ community. The criteria range from genderless signage for restrooms to creating inclusive hiring policies that embrace cultural and gender diversity.

While there are very concrete criteria to becoming a BRAVE Space, some criteria may already be in place, and some may take some time to implement. The goal of the project is to make significant changes in each organization’s culture and creates parameters to work toward more equitable policies and procedures in the future.

“Conexión Latina Newport is very excited to be a designated BRAVE space and publicly announce that designation. The training and organizational changes we have undergone through this process have enabled and inspired us to pay specific attention to pertinent details that we have not always been aware of, or paid enough attention to,” said Rebekah Gomez, Executive Director of Conexión Latina.

“We will be kicking off our LGBTQIA+ inclusion efforts by hosting a Domestic Violence Prevention Campaign workshop specifically tailored to LGBTQ youth ages 13-17 years old, and the unique issues that they face. It will be Conexión Latina’s first specifically focused event for the community, and I consider it to be an important step in our BRAVE Space work,” she said.

“The Women’s Resource Center becoming a BRAVE Space isn’t the end, but a start to ensuring that we are creating inclusive spaces and services that every individual feels safe and empowered to access,” said Jessica Walsh, Executive Director of the Women’s Resource Center.

“The BRAVE Space workshops have informed the team on how to increase inclusiveness, which enhances our ability to serve all students with equity,” said Steve Heath, Executive Director of FabNewport.

“The BRAVE Space training and certification was an exceptional experience for the Bike Newport team, and we are grateful to be part of the inaugural group,” said Bari Freeman, Executive Director of Bike Newport.

Futures Start Great Futures Start HERE HERE..

Great

W H A T W E O F F E R

A d u l t S w i m

A t h l e t i c P r o g r a m s

B e f o r e a n d A f t e r S c h o o l C h i l d c a r e

D r o p - i n C l i n i c s

R e n t a l s

S u m m e r D a y C a m p

H O W T O G E T I N V O L V E D

M a k e a G i f t

w w w . b g c n e w p o r t . o r g / d o n a t e n o w

F o l l o w u s o n s o c i a l m e d i a

F a c e b o o k - @ b g c n e w p o r t

I n s t a g r a m - @ b g c n e w p o r t r i

L i n k e d I n - B o y s & G i r l s C l u b s o f N e w p o r t C o

Y o u T u b e - @ b g c n e w p o r t

S u b s c r i b e t o o u r n e w s l e t t e r

w w w b g c n e w p o r t o r g / n e w s l e t t e r

Q U E S T I O N S ?

V i s i t o u r w e b s i t e : w w w b g c n e w p o r t o r g

C a l l : 4 0 1 - 8 4 7 - 6 9 2 7

L O C A T I O N S :

95 Church St Newport, RI

Now more than ever, employees want access to additional financial benefits and wellness programs within the workplace. As the cost of higher education continues to rise─ a top financial goal for families─ so does the financial stress of paying for it. By o ffering your employees a solution to something that weighs heavy on their minds, it shows that their needs are at the top of your mind.

Top 5 reasons to offer CollegeBound Saver within the workplace:

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Employers can easily add CollegeBound Saver to their employees benefit packages at any time. Once added, employees can make automatic contributions through payroll direct deposit. Visit our Employer Resources site for tools and resources.

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Adding CollegeBound Saver to your benefits package is hassle-free, with no extra costs, contracts, or

Did you know that only 7% of employers offer a 529 plan, yet 49% of workers say they are interested in it as a benefit? *

Schedule a meeting with your dedicated plan representative:

Melissa Bailey

Institutional

Relationship Manager

Read our latest white paper:

SUPERVISES

PotterLeagueforAnimals PositionDescription

JOB PURPOSE.

The Finance Director is responsible for the financial affairs of the Potter League The Finance Director is responsible for information technology systems including all computers and office equipment. Coordinates at the strategic and tactical levels with all other functions in the Potter League.

ACCOUNTABILITIES

▪ Oversees all bookkeeping functions and is responsible for the Potter League’s accounting practices, the maintenance of its fiscal records, the preparation of financial reports, and financial analyses for the guidance of management and the Finance Committee

▪ Develops and coordinates fiscal planning process with the Chief Executive Officer, Chief Mission Officer, and Finance Committee. Oversees budget development. Prepares long-range budgets and fiscal reports and manages the annual audit.

▪ Works with the Chief Philanthropy Officer to analyze program budgets, create funding and grant proposals and track spending of funds from gifts and grants received.

▪

Supervises bookkeeper

▪ Serves as a member of the organization’s Senior Leadership Team.

▪ Administers employee payroll, personnel files, and benefits program. Acts in an impartial role to assist the Chief Mission Officer with counseling, terminations and exit interview process as needed.

▪ Serves as the point of contact for all of the Potter League’s insurance needs and leads annual insurance renewal process and analysis.

▪ Maintains IT functions, working with both appropriate staff and outsourced service providers.

▪ Responsible for the achievement of department goals and financial objectives.

▪ Demonstrates initiative and a flexible work schedule to meet the demands of executive management while working enthusiastically and cooperatively with all departments and key management staff to assure that the goals of each department are met.

▪ Adheres to all Code of Conduct standards.

▪ Other duties as requested.

SUCCESS FACTORS

PotterLeagueforAnimals PIN Clinic

PositionDescription

CLASSIFICATION Full Time, hourly, exempt REPORTS TO Chief Mission Officer

SUPERVISES

JOB PURPOSE

Client Care Manager, Clinical Manager

DATE March 2023

The Practice Manager is responsible for the efficient and smooth daily operation of the Pets In Need clinic’s patient care, staff care, and administrative functions while ensuring quality pet care that is in accordance with the Potter League’s mission, vision, and value. The Practice Manager is charged with ensuring effective business operations that lead to the achievement of financial goals and good fiscal health.

ACCOUNTABILITIES

• Displays a positive attitude and acts as a motivating force for all staff members

• In conjunction with the Client Care Manager and Clinical Manager, hires , trains, supervises, evaluates, directs, and guides the performance of the Pets In Need clinic team

• Provides compassionate care to clients and patients

• Fulfills the functions of all clinic positions, where qualified to do so, as necessary to cover lunch breaks, illness, vacations, and times of reduced staffing levels.

• Demonstrate strong internal and external client service skills, navigating conversations with tact an d Diplomacy to cultivate bonds within a culture of respect.

• Know clinic procedures and follow guiding principles in making decisions and approaching challenges.

• Look for cues of client financial concerns and be well versed in available payment suppo rt options. Work to remove financial stigma by addressing the financial conversation openly and supportively.

• Works independently and with other team members/departments as necessary to resolve any issues that arise each day including, but not limited to, equipment breakdowns, HVAC and plumbing concerns, and utility issues such as the loss of internet and power

• Generates daily, weekly, monthly, and annual financial and data reports, as necessary, and analyzes the data to assess clinic performance and determine strategies for reaching goals

• Works with the Chief Mission Officer to establish and manage the annual PIN clinic budget

• Ensures the safe physical and emotional handling of all animals in the PIN clinic’s care

• Assists in maintaining healthy, safe, sanitary, pleasant, and clean facilities

• Perform all duties in accordance with Potter League policies and procedures Follows all safety guidelines to ensure a safe work environment in compliance with OSHA regulations

• Adheres to all Code of Conduct standards

• Other duties as requested

OUR WORLD IS CHANGING.

LEAD IT.

Film Screening & Panel Discussion

Wednesday, April 19, 2023

5-9 p.m., Bazarsky Lecture Hall, O’Hare Academic Building

An award-winning documentary that chronicles the story of visionary leader Ray Anderson and his publicly traded company, Interface, as they embarked on a high-stakes journey to become a 100-percent sustainable enterprise. Ray’s heroic leadership serves as an inspiration for organizations at any stage and the film tells a powerful story about what it means to build a business around restoring the earth and just why we must reimagine capitalism to heal our world. The film Beyond Zero not only inspires viewers to care, it also supports the Mercy Critical Concern of Earth, and serves as a call to action for business leaders from all industries to accelerate their sustainability efforts.

The trailer is available for viewing at beyondzerofilm.com.

–

Impact Partners have a special opportunity to make the film and its associated curriculum available to business educators across the state at no cost. To learn more, please reach out to Lisa Milich, Board Member, Conscious Capitalism Boston and Salve Regina University Alumna, Leadership Dynamics and Practice Masters Program p: (401) 787-3937 e: lisa@lisamilich.com

Race changing technology.

Official Clothing Vendor

FMLA’S MILITARY FAMILY

from the foreign deployment of the employee’s covered family member with t

Tuesday, March 28, 2023 11:00 am – 12:00 pm

The webinar is free of charge, although registration is required. TO REGISTER, PLEASE CLICK HERE OR GO TO http://ow.ly/4fii50MLOSM the webinar’s start, you will be

Please contact Lana Glovach at 401 -528-4575 or Lana.Glovach@sba.gov with any questions you may have about this webinar.

Disaster Field Operations Center East

Under this declaration, the SBA’s and terms are set by the SBA and are based on each applicant’s financial condition. These Electronic Loan Application (ELA) via the SBA’s secure Disaster loan information and application forms may also be obtained by calling the SBA’s Customer

. Loan applications can be downloaded from the SBA’s website at

U.S. SMALL BUSINESS ADMINISTRATION FACT SHEET – ECONOMIC INJURY DISASTER LOANS

(SBA DISASTER DECLARATION DUE TO DESIGNATION BY THE SECRETARY OF AGRICULTURE)

RHODE ISLAND Declaration 17591

(Disaster: RI-00025)

Incident: DROUGHT

occurring: August 9, 2022 and continuing in the Rhode Island counties of: Bristol, Newport, Providence, and Washington; the contiguous Rhode Island County of: Kent; the contiguous Connecticut counties of: New London and Windham; the contiguous Massachusetts counties of: Bristol, Norfolk, and Worcester; and the contiguous New York county of: Suffolk

Application Filing Deadline: April 17, 2023

Disaster Loan Assistance Available:

Economic Injury Disaster Loans (EIDLs) – Working capital loans to help small businesses, small agricultural cooperatives, and small businesses engaged in aquaculture, and most private, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.

Credit Requirements:

• Credit History – Applicants must have a credit history acceptable to SBA.

• Repayment – Applicants must show the ability to repay the loan

• Collateral – Collateral is required for all EIDL loans over $25,000. SBA takes real estate as collateral when it is available. SBA will not decline a loan for lack of collateral, but SBA will require the borrower to pledge collateral that is available.

Interest Rates:

The interest rate is determined by formulas set by law and is fixed for the life of the loan. The maximum interest rate for this program is 3.040 percent.

Loan Terms:

The law authorizes loan terms up to a maximum of 30 years. SBA will determine an appropriate installment payment based on the financial condition of each borrower, which in turn will determine the loan term.

Loan Amount Limit:

The law limits EIDLs to $2,000,000 for alleviating economic injury caused by the disaster. The actual amount of each loan is limited to the economic injury determined by SBA, less business interruption insurance and other recoveries up to the administrative lending limit. SBA also considers potential contributions that are available from the business and/or its owner(s) or affiliates. If a business is a major source of employment, SBA has the authority to waive the $2,000,000 statutory limit.

Loan Eligibility Restrictions:

• The applicant business must be located in the declared disaster area

• Only uninsured or otherwise uncompensated disaster losses are eligible.

• The economic injury must have been the direct result of the declared disaster.

• Nurseries are only eligible for economic injury caused by declared drought disasters.

• By law, agricultural enterprises such as farmers and ranchers are not eligible for any type of SBA assistance.

• Applicants who have not complied with the terms of previous SBA loans are not eligible. This includes borrowers who did not maintain flood and/or hazard insurance on previous SBA loans.

• Loan assistance is available only to the extent the business and its owners cannot meet necessary financial obligations due to the disaster. This determination is made by SBA.

Over the past few months, a company named Elite Sports Promos has been contacting businesses in our community claiming they are working in association with Middletown High School Athletics. Representatives from this company are attempting to sell advertisements which they falsely claim will be displayed during upcoming athletic events and at MHS athletic facilities. Elite Sports Promos further claim that all funds they raise will be given to MHS athletics. Please be aware that Elite Sports Promos has absolutely no affiliation with Middletown High School Athletics or the Town of Middletown. Any such claims by this company are untrue. Elite Sports Promos has attempted to defraud businesses in several other states in a similar manner and have an “F” rating with the Better Business Bureau. Any business who has been contacted by Elite Sports Promotions and purchased advertisements from this company should contact their local police department. Please pass on this information to any local businesses which may be impacted.

Any business who wishes to contribute to Middletown High School Athletics can do so by contacting Middletown Athletic Boosters or go their website at middletownathleticboosters.org or contact Middletown High School directly.

858 West Main Road

Middletown, RI 02842

FOR IMMEDIATE RELEASE

Contact: Courtney Hunter

401.846.8930 ext.: 1218

chunter@peoplescu.com

PEOPLE’S CREDIT UNION BEGINS MAJOR RENOVATIONS OF MIDDLETOWN HEADQUARTERS’ BRANCH

MIDDLETOWN, RI (March 8, 2023 ): People’s Credit Union has begun major renovations to their branch at 858 West Main Road in Middletown. The welcoming and innovative redesign, expected to be completed in July, is focused on providing an even higher level of personal member service as well as a number of self-service technology upgrades. Although the branch lobby will be closed during the renovations, the five-lane drive-up and drive-up ATM will be open. Expanded branch hours at the Credit Union’s Newport and Portsmouth locations are also available.

For the redesign, People’s engaged PW Campbell, a leading financial services design firm based in Pittsburgh, PA. The actual construction is being performed by area contractors and subcontractors.

The new branch design can be seen at:

https://www.peoplescu.com/wp-content/uploads/2023/01/2022_Lobby-Sign-with-Renderings_v11.pdf

“The latest proven technologies and industry best practices were incorporated into the branch redesign,” stated Jane McDurman, Vice President of Retail Administration, People’s Credit Union. “By having PW Campbell partner with knowledgeable and skilled area contractors, we are confident that the renovated branch will meet, and hopefully exceed our members’ expectations,“ she added.

“As technology creates better ways for us to serve our members and for our members to serve themselves, People’s Credit Union is committed to making those investments,” offered Sean Daly, President and Chief Executive Officer, People’s Credit Union . “The new Middletown branch redesign will provide members these options , along with the exceptional personal attention that the Credit Union has always been known for,” Daly further stated.

Drive-up Hours for the Middletown branch with expanded lobby hours at the Newport and Portsmouth branches are:

Monday-Thursday: 7:30am – 5:00pm 7:30am – 5:00pm 8:30am – 4:30pm

Specializing in

Tents Rentals

Sailcloth Navi-Trac Frame

Hybrid Century Navi-Trac Clear

Century Fiesta Frame

Marquee (Tent Lighting)

Tables Chairs

Glassware China

Flatware Bars

Linens

Dance Floors

PRESS RELEASE

March 8, 2023

Peter S. Berton Founding Executive Director

(401) 239-9713 petersberton@gmail.com

NEWPORT, RI –

On Tuesdays March 21 and 28, 2023 the Professional Choristers of The Choir School of Newport County welcome new prospective students ages 8-14 (boys with unchanged voices) for an unauditioned OPEN REHEARSAL, 4:15 to 5:45 pm held at Seaman’s Church Institute, 18 Market Square, Newport. Sign up at www.choirschoolri.org or call 401 239 9713.

There is no application charge. Try it for a rehearsal and see if it’s for you! The Choir School was founded in 2014 to form lives of character and service through the joy and discipline of intergenerational choral music. Choristers are paid for their work, and have the opportunity to sing in the community, attend a summer camp, and travel (South American tour, two weeks in August 2024 is planned). Recent performance highlights are Messiah at the Mansion (Rosecliff, 2021 and 2022), Newport Folk Festival 2021 and 2022, and annual concerts of Remembrance that raise money for humanitarian aid in the US and abroad. To publish for further information: www.choirschoolri.org

Event Details

EVENT: CHOIR SCHOOL OF NEWPORT COUNTY OPEN REHEARSALS

DATE: Tuesdays, March 21 and 28, 2023 from 4:15 to 5:45 p.m.

LOCATION: Seaman’s Church Institute, 18 Market Square, Newport

WHO: The Professional Choristers of The Choir School of Newport County

WHAT IT IS: a chance to try out the group with new music for our Spring Concert

ADMISSION: no admission charge or audition. Please call ahead or fill out online form to reserve a spot.

CONTACT: 401-239-9713 Peter S. Berton, Founding Executive Director

To publish for further information: www.choirschoolri.org

RIBA continues to offer a variety of educational offerings for Members & Employees! Also, all RI Residential Contractors are eligible to take the classes noted below for FREE subject to enrollment in the Contractor Development Program.*

April 5 | 8am-10:30am

Marketing Your Business

2 ½ credit hours – taught by Bob Salvas

This course is designed to help you understand marketing and branding for your construction business.

April 6 | 8am-10am

The Art of Pricing

No credit hours for this class – taught by Allan Langer

HOW TO ELIMINATE STICKER SHOCK- Are your prospects always surprised by your price? Do you struggle when you have to present it? If so, this class is a must-attend. Join best-selling author and pricing expert, Allan Langer, as he takes a deep dive into the psychology of pricing and how to get your prospects to expect the price you’re giving, and to say YES almost every time.

April 11 | 8am-10:30am

Flooring Systems

2 ½ credit hours – taught by Bill Walker (IN-PERSON CLASS)

This course will teach the design and framing of residential flooring systems.

April 12 | 8am-10:30am

Unintended Consequences

2 ½ credit hours – taught by Jon Ericson

Why are we making houses airtight? This course will help builders understand the house as a system. We will discuss how

air sealing affects indoor air quality, HVAC systems, the need for balanced ventilation, avoiding bulk water leaks, and long-term durability of the structure. The benefits of airtight construction will be clearly explained alongside ways to avoid the unintended consequences of building airtight!

April 14 | 8am-10:30am

Foundations and Floor Codes

2 ½ credit hours – taught by Larry Desormier

A detailed look into Chapters 4 and 5 of the Rhode Island One and Two Family Dwelling Code for foundations and floor construction.

April 19 | 8am-10:30am

Residential Blueprint Reading

2 ½ credit hours – taught by Luis Rivera

Join us and get an introduction to residential blueprint reading, construction documents/ calculations, and project specifications. Learn to read the legend, details, specifications, effectively use a scale ruler and find the different trade sections of blueprints and drawings.

April 20 | 8am–10:30am

Start & Grow Your Construction Business

2 ½ credit hours- taught by David Lucier

If you are looking to start or re-start your business, this class is for you. It covers all aspects of successful business ownership.

April 21 | 8am–10:30am

Understanding QuickBooks Online

2 ½ credit hours — taught by Melissa Johnson

After taking this course you’ll better understand ‘QuickBooks Online’ and walk away with some tips on good bookkeeping practices. (Note: this is a beginner level class; a more advanced class will be held in May).

April 25 | 8am–10:30am

Home Modifications for the Aging Population

2 ½ credit hours- taught by Linda Bohmbach Learn about the many modifications- big and small- that can be made to enable the aging population to stay in their homes. These modifications and more will be addressed in this class.

April 26 | 8am-10:30am

Residential Estimating

2 ½ credit hours – taught by Luis Rivera

This course covers basic construction math and how it is used to estimate the labor and material costs of a residential construction project. (Note: this is a beginner level class; a more advanced class will be held in May)

* The Contractor Development Program is sponsored by Real Jobs, DLT and the Residential Workforce Partnership.

Contact Margarita Robledo for course offerings taught in Spanish at 401-374-1044. All classes will be taught via ZOOM unless otherwise indicated

All classes are approved by the RICRLB for continuing education credits, unless otherwise indicated.

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