SUBSCRIBE to Capitol Fax      Advertise Here      Mobile Version     Exclusive Subscriber Content     Updated Posts    Contact
CapitolFax.com
To subscribe to Capitol Fax, click here.
A huge hole

Monday, Jun 2, 2014

* My weekly syndicated newspaper column

On the bright side, I suppose you could argue that last week’s budget passed by the General Assembly will lead to the largest tax cut in Illinois history come January, when the 2011 income tax increase partially expires on schedule.

But that’s about the only bright side. And, really, pretty much nobody expects that some sort of tax hike will be avoided after the election, no matter who wins come November.

The new Fiscal Year 2015 budget proposal had to be based on the partial expiration of the tax hike on January 1st, when it will drop from 5 percent to 3.75 percent. House Democrats claim they couldn’t find enough votes to permanently extend the tax hike.

But this new budget will blow close to a $6 billion hole in the following year’s budget, according to my own back of the envelope analysis that top Senate Democrats said looked accurate to them.

I based what follows on what what I know about how the budget was crafted. But whatever the final number ends up being, it’s crystal clear that whoever wins the governor’s race will face a monstrous challenge after he’s sworn in next January.

Borrowing $660 million from special state funds, as this new budget does, is a one-off affair. The money is being put into the state’s spending base and will have to somehow be replaced the following year. A two-year repayment plan means another $330 million will also have to be found in the next budget, for a total hole of about a billion dollars.

Using about $500 million in one-time revenue increases from this fiscal year to pay forward some bills in next fiscal year means that same $500 million will have to be found again in when the next budget is crafted.

Not funding employee salary and health insurance benefit cost increases kicks another $380 million down the road. So, now we’re at $1.9 billion.

And then, of course, there’s the approximately $3.6 billion in full-year revenue lost after the income tax hike partially expires. That puts the hole at around $5.7 billion.

Also, Rep. Greg Harris, who chairs a House appropriations committee, told reporters last week that the new budget could create as much as a “couple of billion” dollars in past-due bills in the coming fiscal year. If that’s accurate, then the FY16 hole becomes much, much worse, plus there’s all that new debt owed to providers which will eventually have to be paid back.

Not to mention that some state agencies have been given lump sum operating appropriations. Gov. Pat Quinn could conceivably try to avoid cuts before the election by putting off decisions until after the election. Doing so, of course, would blow a big hole in the second half of the coming fiscal year, which begins July 1st.

And that brings us to Bruce Rauner, the Republican nominee for governor.

Gov. Quinn’s campaign has been pushing Rauner hard lately to divulge his “secret” plan to balance the budget. The reason for that is they may have him caught in a trick bag of his own making.

Rauner has hinted more than once that he’d like to taper off the income tax hike over a period of time. But he can’t do that now because last week’s legislative inaction means that most of the 2011 tax hike will automatically disappear on schedule this coming January 1st.

Because of that legislative failure, if Rauner follows what was widely believed to be his original plan, the Republican would actually have to raise taxes in order to lower them again.

Needless to say, don’t bet on that ever surfacing as his plan now.

So, he’s gonna have to come up with a new idea. And that won’t be easy, because as I explained above this “kick the can budget” has planted a multibillion dollar nuclear time bomb that is so massive Rauner won’t possibly be able to simply cut his way out of it.

The other option is to do what he’s doing now: Refuse to answer any questions about his secret plan. But after promising for a year and a half to deliver one, he’s going to find himself dogged on the campaign trail from now on if he tries to stay mum.

Either way, though, it’s Quinn who has the most problems. He’ll have to deal with a big budgetary hole during the campaign while attempting to convince voters to reelect him so that he can try once again to raise their taxes. I wouldn’t want to be in his shoes.

We’ll have more on the budgetary fiasco later today.

- Posted by Rich Miller        


31 Comments
  1. - Anon - Monday, Jun 2, 14 @ 9:25 am:

    They’ve definitely got Rauner in a pickle. Any “plan” detailed enough to be realistic would be painful- any budget next year will be.

    I say he either stays mum on it all, or releases some vague guidelines.

    Either way it’s not going to hurt him much.


  2. - Soccermom - Monday, Jun 2, 14 @ 9:27 am:

    Rich, I agree that the failure to pass the tax increase extension was short-sighted and stupid. But the General Assembly could address at least a fraction of this problem by shutting down a good number of special funds and putting those dollars into grf. I know each of those funds represents a successful lobbying effort by a well-funded special interest group, but the result is just insane.

    It’s like someone saying they don’t have money to pay the utility bill because they would have to dip into their special savings account for macadamia nuts…


  3. - DuPage - Monday, Jun 2, 14 @ 9:35 am:

    Does the budget figure in pensions at the SB1 rate, or the present rate? If it is figured at the lower rate, then get thrown out by the court, will that also be in next years budget?


  4. - Cassiopeia - Monday, Jun 2, 14 @ 9:43 am:

    Rauner is in the driver’s seat for the next 156 days. Quinn can only react to the Rauner attacks and try to find some ways to attack back, but Quinn cannot make a credible case that makes him look either competent nor a responsible steward of the state’s finances.


  5. - wordslinger - Monday, Jun 2, 14 @ 9:48 am:

    –And, really, pretty much nobody expects that some sort of tax hike will be avoided after the election, no matter who wins come November.–

    If Quinn loses, I can’t see him signing a lame-duck tax proposal. The people will have spoken.

    If Rauner wins, he’ll have to have a plan for the remainder of this fiscal come January.


  6. - Apacolypse Now - Monday, Jun 2, 14 @ 9:52 am:

    Why should Rauner propose a budget, when the Democrats can’t get their act together. Rauner sits back and waits until he is Governor and presents his budget plan to Cullerton and Madigan.


  7. - The Prince - Monday, Jun 2, 14 @ 9:54 am:

    If Quinn loses, what does he have to lose by signing a lame-duck tax proposal?


  8. - Walker - Monday, Jun 2, 14 @ 10:01 am:

    Soccermom: The “macadamia nut” maneuver?
    LOL


  9. - wordslinger - Monday, Jun 2, 14 @ 10:02 am:

    –Why should Rauner propose a budget, when the Democrats can’t get their act together.–

    Because he has promised he would for more than a year.

    –If Quinn loses, what does he have to lose by signing a lame-duck tax proposal?–

    The pleasure of sticking it to Rauner.


  10. - A guy... - Monday, Jun 2, 14 @ 10:04 am:

    It’s high stakes “Tug O War” and as usual, the taxpayers are the rope.


  11. - JoJo - Monday, Jun 2, 14 @ 10:08 am:

    == Why should Rauner propose a budget ==

    Because that is how it works now.

    Any Republican candidate for governor is going to have to propose a full budget during campaign season if he is challenging the status quo.

    Republican candidates complaining about problems without offering tangible solutions means they have no credibility.

    It’s just that simple.


  12. - ZC - Monday, Jun 2, 14 @ 10:10 am:

    And let’s not forget, looming over all of this is still the constitutional challenge to the pension reform. What if it’s struck down in its entirety? And when on Earth will we find out? That uncertainty further scrambles any long-term budgetary planning for IL.

    And that part is not directly Quinn’s fault, nor the Democrats’ (except maybe they could have opted for the constitutional convention option when they had a chance). We don’t just have a budgetary problem (though we certainly do). We have two extremely unhelpful provisions in the state Constitution handcuffing our options - that ironclad-seeming pension clause and the ironclad ban on a progressive tax.


  13. - Grandson of Man - Monday, Jun 2, 14 @ 10:13 am:

    “Why should Rauner propose a budget, when the Democrats can’t get their act together.”

    Why should voters elect someone based on nothing?

    We constantly complain about our politicians, often for very justified reasons, but what does it also say about us if elect someone who won’t tell us what he intends to do in regards to our most pressing problems–our finances and budgets?


  14. - OneMan - Monday, Jun 2, 14 @ 10:34 am:

    As always, ask question #1…

    Will a given action increase the chance of someone getting elected or re-elected?

    Then decide the action based on that…

    As much as it would be ‘nice’ to see the Rauner budget as it were, not sure how him saying anything on it gets him elected.


  15. - RNUG - Monday, Jun 2, 14 @ 10:43 am:

    - DuPage - Monday, Jun 2, 14 @ 9:35 am:

    It’s my understanding the FY15 budget figures the State pension fund payments at the current (95 ramp) rate and does not rely on any SB-1 savings.


  16. - downstate hack - Monday, Jun 2, 14 @ 10:49 am:

    “Why should voters elect someone based on nothing?”

    They elected Blago!!! (Twice)


  17. - Linus - Monday, Jun 2, 14 @ 10:59 am:

    –If Quinn loses, what does he have to lose by signing a lame-duck tax proposal?–

    If Quinn loses, it’s hard to imagine he even gets a chance to sign such a bill. Even with a few lame ducks’ support, would the G.A. approve a tax measure after an election seen as a referendum vote against taxes? Returning legislators would be too spooked to do it.


  18. - The Prince - Monday, Jun 2, 14 @ 11:05 am:

    It passed last time. There has been no ideological shift in the General Assembly since 2010 and there is never going to be. “Spooked” is not in their vocabulary; you may hear “how sorry they are to have to do it.” Sticking it to Rauner for some reason is the only plausible answer and that’s iffy at best.


  19. - Anonymous - Monday, Jun 2, 14 @ 11:07 am:

    “Why should voters elect someone based on nothing?

    We constantly complain about our politicians, often for very justified reasons, but what does it also say about us if elect someone who won’t tell us what he intends to do in regards to our most pressing problems–our finances and budgets?”

    Because we’ve seen the alternative option fail to deal with those problems many times over already.


  20. - Louis G. Atsaves - Monday, Jun 2, 14 @ 11:09 am:

    “Why should voters elect someone based on nothing?”

    This means you are opposed to reelecting the Democratic majority that currently runs the two branches of government?

    The lame “it is all the fault of Rauner and the Republicans” argument and the “where is your plan” counterattack really doesn’t work very well here when the controlling Democrats did not require a single Republican vote to fix the problem including having the Governor sign the provisions into law.

    As a Republican, I expect Rauner and my party to offer a sound fiscal plan for the future of Illinois. As an Illinois resident and voter, I expected the controlling Democratic party to stop kicking the can down the road and making things worse, and offer a sound fiscal plan for the future of Illinois.

    Are my expectations misguided?


  21. - Linus - Monday, Jun 2, 14 @ 11:15 am:

    -“Spooked” is not in their vocabulary-

    Have you talked with any of the numerous froshie Dems who’ve been elected after the 2011 income-tax increase? Or taken a look at the stridency of their successful, anti-tax campaign pledges and statements?


  22. - Archimedes - Monday, Jun 2, 14 @ 11:25 am:

    The 2015 budget has no “savings” from SB1. The 2016 budget has $1.2 billion cost reduction due to SB1.

    Just add that amount to what Rich has said, if the ISC rules the law to be unconstitutional.


  23. - The Prince - Monday, Jun 2, 14 @ 11:26 am:

    Louis: Your expectations are misguided. I would like to see the same thing, but I have seen this movie before.


  24. - Anon - Monday, Jun 2, 14 @ 11:27 am:

    == what does it also say about us if we elect someone who won’t tell us what he intends to do in regards to our most pressing problems–our finances and budgets? ==

    People don’t want to hear the bad news. They’d rather believe that core services can be funded, overdue bills paid while taxes are cut — a belief Rauner won’t do anything to disturb prior to the election. After the election, they may not like hearing that core services will be decimated and some new tax will be raised, but they will have no one to blame but themselves.


  25. - Arizona Bob - Monday, Jun 2, 14 @ 11:45 am:

    How ironic that amongst a record number of advisory questions on the ballot and the spectre of a “millioinaires tax” and a “graduated income tax” out constitutional ammendment out there, NO ONE proposed the REAL constitutional change that needs to be made; limtitation on that clause that pensions may not be “dimished or impaired”. Simple changes such as excluding those 3% annual increases to pensions, retiree health care subsidies and limiting those portions of pensions that are protected from being “diminished or impaired” by defining “earned pension benefits that may not be diminshed or impaired” be limited to time served and not limited through perpetuity.

    By that I mean accrued pension benefits should not be “diminshed or impaired” for a what a teacher has earned up to a date of benefit change, but benefits going forward could be limited by statute or contractual agreement.

    Using a system similar to that of Social Security where income while drawing a pension could reduce pension payments would also make sense.

    Those folks like the Superintendent in SD 162 (Blondean Davis) in Matteson who I believe is getting a fat pension from CPS while making a ridiculously high salary for the suburban district would be a case in point for future “retirees”.

    Taking back pension benefits ex post facto should still be prohibited, though IMHO.


  26. - Grandson of Man - Monday, Jun 2, 14 @ 11:48 am:

    “The lame “it is all the fault of Rauner and the Republicans” argument and the “where is your plan” counterattack really doesn’t work very well here when the controlling Democrats did not require a single Republican vote to fix the problem including having the Governor sign the provisions into law.”

    Who would be screaming if the Democrats passed the income tax increase extension on their own? Who would be calling them dictators for passing the bill without a single Republican vote?

    “As a Republican, I expect Rauner and my party to offer a sound fiscal plan for the future of Illinois. As an Illinois resident and voter, I expected the controlling Democratic party to stop kicking the can down the road and making things worse, and offer a sound fiscal plan for the future of Illinois.”

    The can was kicked down the road because voters and politicians refused to extend the income tax increase. Isn’t that what Republican voters want, that the income tax increase is not extended?

    What are the Republican plans? I hope some will give detail to them, so we can evaluate them.


  27. - Walter Mitty - Monday, Jun 2, 14 @ 12:22 pm:

    Enough with the straw man… The super majority could have passed the tax permanent. They have a super majority. They chose to not with the idea of sticking it to Rauner if he should win. He will have to have a plan, the Super Majority stuck it to him and the tax payers….Yay! Anything about the applicant for the job is just folly. The folks in the current positions let us all down…again.


  28. - Anon - Monday, Jun 2, 14 @ 12:32 pm:

    == What are the Republican plans? I hope some will give detail to them, so we can evaluate them. ==

    Don’t hold your breath. Rauner has been campaigning for 15 months and has been successful without providing any specifics. I have no doubt the Tribbies will endorse him even if he doesn’t reveal his secret plan until after the election.


  29. - Louis G. Atsaves - Monday, Jun 2, 14 @ 1:36 pm:

    Grandson: “The can was kicked down the road because voters and politicians refused to extend the income tax increase. Isn’t that what Republican voters want, that the income tax increase is not extended?”

    Apparently that is also what a whole bunch of Democratic voters wanted. Not just Republicans.


  30. - Budget Watcher - Monday, Jun 2, 14 @ 2:31 pm:

    I think it’s fair to assume that if you’re a state employee or a teacher or someone reliant upon social services you can count on some serious pain from a Rauner plan that has to cut $6B.


  31. - Archimedes - Monday, Jun 2, 14 @ 4:39 pm:

    Arizona Bob,

    If only earned pension benefits are protected, we are in the same boat as we are now. The pension benefits already earned is the $97 billion unfunded liability, and $5 billion of the $6.5 billion cost.
    The cost of benefits earned currently during the year is only about $1.5 billion.
    That’s why SB1 reduced already earned benefits - no cost savings if any reduction is limited to future benefits.


Sorry, comments for this post are now closed.


* Where the social service money goes may surprise you
* It's just a bill
* Audit: IL Lottery violated State Finance Act
* Question of the day
* Butler implies that both Rauner and AFSCME not being "truthful"
* Budget impasse apparently taking toll on higher ed enrollment
* Today's number: 50 percent
* Fantasy Sports: Game of Skill
* *** LIVE *** Session Coverage
* Poll finds huge support for gun dealer licensing
* It's all one thing
* Bourne signs on to Manar plan
* Supremes to Blagojevich: Nope
* A picture is worth a thousand words
* Today's quotable
* HDems looking at another school funding avenue
* Two speeches, two messages
* Fantasy Sports Is Internet Gaming
* More crazy talk in Springfield
* SUBSCRIBERS ONLY - Supplement to today's edition
* Rauner: "No way Hillary Clinton is getting elected"
* Standoff over stopgap
* SUBSCRIBERS ONLY - Today's edition of Capitol Fax (use all CAPS in password)
* *** UPDATED x1 *** State GOP delegates soundly reject gay marriage platform change
* Yesterday's blog posts

Support CapitolFax.com
Visit our advertisers...

...............

...............

...............

...............

...............

...............

...............

...............


Search This Blog...

Search the 98th General Assembly By Bill Number
(example: HB0001)

Search the 98th General Assembly By Keyword

  
* Sony Xperia E5 name and design confirmed on social media, specs up in the air
* Multi-Angle Movie Maker GroupClip Launches on iOS
* Spotify levels the field with Apple Music-like family subscription
* Tim Cook concedes iPhone ‘prices are high’ in India, but isn’t looking to lower Apple’s quality bar
* Review: Ultimate Ears' UE Roll 2 Features Louder Sound and Longer Range
* iOS 9.3.3 jailbroken in record time and you can have it in 10 years
* Sony Xperia XA Ultra in UK for pre-orders via third parties

* Ventura pleased starters worked deep in DH
* Nobody's more impactful than combo of Sale-Quintana
* Indians 5, White Sox 1: Dingers doom Erik Johnson
* Johnson allows 3 HRs as Sox drop nightcap
* Dominant Sale eyes 10th win as White Sox face Tribe
* White Sox hang on, edge Tribe in opener
* White Sox 7, Indians 6: Sweating out a win in Game 1

...............


Main Menu
Home
Illinois
YouTube
Pundit rankings
Obama
Subscriber Content
Durbin
Burris
Blagojevich Trial
Advertising
Updated Posts
Polls

Archives
May 2016
April 2016
March 2016
February 2016
January 2016
December 2015
November 2015
October 2015
September 2015
August 2015
July 2015
June 2015
May 2015
April 2015
March 2015
February 2015
January 2015
December 2014
November 2014
October 2014
September 2014
August 2014
July 2014
June 2014
May 2014
April 2014
March 2014
February 2014
January 2014
December 2013
November 2013
October 2013
September 2013
August 2013
July 2013
June 2013
May 2013
April 2013
March 2013
February 2013
January 2013
December 2012
November 2012
October 2012
September 2012
August 2012
July 2012
June 2012
May 2012
April 2012
March 2012
February 2012
January 2012
December 2011
November 2011
October 2011
September 2011
August 2011
July 2011
June 2011
May 2011
April 2011
March 2011
February 2011
January 2011
December 2010
November 2010
October 2010
September 2010
August 2010
July 2010
June 2010
May 2010
April 2010
March 2010
February 2010
January 2010
December 2009
November 2009
October 2009
September 2009
August 2009
July 2009
June 2009
May 2009
April 2009
March 2009
February 2009
January 2009
December 2008
November 2008
October 2008
September 2008
August 2008
July 2008
June 2008
May 2008
April 2008
March 2008
February 2008
January 2008
December 2007
November 2007
October 2007
September 2007
August 2007
July 2007
June 2007
May 2007
April 2007
March 2007
February 2007
January 2007
December 2006
November 2006
October 2006
September 2006
August 2006
July 2006
June 2006
May 2006
April 2006
March 2006
February 2006
January 2006
December 2005
April 2005
March 2005
February 2005
January 2005
December 2004
November 2004
October 2004

Blog*Spot Archives
November 2005
October 2005
September 2005
August 2005
July 2005
June 2005
May 2005

Syndication

RSS Feed 2.0
Comments RSS 2.0
WordPress

Loading


* Our views: Don't let Madigan keep the status qu.....
* Unmployment and Education - Alton Daily News..
* Miller: More crazy talk in Sprinfield - The Her.....


* Lawyers contribute to congressional campaign of judge's son
* Updating Illinois IDs won't cost require more state money
* Northern Illinois man accused of possessing pipe bombs
* State election board questions automatic voter registration
* High court rejects request to reconsider Blagojevich case
* Prosecutors: Peterson offered $10,000 for prosecutor's death
* Inmate: Drew Peterson admitted to killing missing wife
* 3 men from Illinois killed, 1 injured in Kankakee crash
* Budget stalemate erodes interest in some Illinois colleges
* Rauner: Still time to achieve 'grand compromise'

* Republicans doubtful Illinois State Fairgrounds foundation bill will pass
* GOP leaders: No tax hike with no reforms
* State election board questions automatic voter registration
* Feeding sites to still serve needy children in Springfield
* U.S. Supreme Court rejects request to reconsider Blagojevich case
* Rauner says there's still time for 'grand compromise'
* Updating photo IDs won’t require extra state spending
* Budget stalemate erodes interest in some Illinois colleges
* Illinois Republican Party takes stance on marriage
* As state searches for revenue, is gambling expansion back in mix?

* Polsky gives $35 million to expand University of Chicago entrepreneurship center
* Tribune investor seeks to revive print with 'machine vision'
* Three Chicago law firms beat average, grow revenue
* City reaches new pension deal with laborers
* Here's what CEOs think of candidates' health care ideas


* 10 wounded in Monday shootings across Chicago
* Two injured in South Shore shooting
* Woman shot, seriously wounded in Englewood
* Heyward eyes return vs. Cards; plus front office, Victorino notes
* Man shot in South Shore
* Grichuk homer in 9th sends Cubs to third straight loss
* Family asks for FBI investigation of 2013 CPD shooting
* Dear Abby: ‘Nervy’ fundraising by dying co-worker
* Georgia Nicols horoscopes for May 24, 2016
* Nonverbal, disabled man missing from Chatham


* At least 7 wounded in shootings citywide
* Facebook drops news outlet input in 'trending topics' review
* Cubs want more chirping from their bats
* Greek authorities begin evacuation of Idomeni refugee camp
* On the Air
* Cubs' flaws show again in loss to Cardinals as skid reaches three
* White Sox back where they started after splitting doubleheader with Indians
* China's scary lesson to the world: Censoring the Internet works
* Fed's view on interest rates is faulty - and scary
* Oracle sued Google over a hamburger, Java trial jury told


* Republicans doubtful Illinois State Fairgrounds foundation bill will pass
* Kathleen Parker: Election disaffection
* GOP leaders: No tax hike with no reforms
* State election board questions automatic voter registration
* Feeding sites to still serve needy children in Springfield
* U.S. Supreme Court rejects request to reconsider Blagojevich case
* Rauner says there's still time for 'grand compromise'
* Janet S. Stover: New OT regs could hit social service providers hard
* Updating photo IDs won’t require extra state spending
* Budget stalemate erodes interest in some Illinois colleges


* Centennial, Rantoul baseball fall in regular season
* Rantoul, M-S softball win in regional action
* Clinton, Prairie Central, Danville baseball advance
* Students give input on future high schools
* Illini basketball to host N.C. State in Challenge
* PODCAST: News Gazette Sports Page 05-23-16
* Airplane Crash Drill
* PODCAST: Little League - First Federal v Bacon & Van Buskirk 05-23-16
* Softball: Six teams vying to advance Tuesday
* Satisfaction not yet guaranteed for Chargers soccer


* Greek police evacuate hundreds from Idomeni refugee camp
* Greek authorities begin evacuation of Idomeni refugee camp
* South Korea: Overseas North Korean restaurant workers flee
* Obama pushes for better rights in Vietnam after arms deal
* No injuries in Naperville apartment fire

* House lawmakers overcome hurdle on key tra...
* Rodney Davis talks funding with Bloomingto...
* The agency that fought Illiana gets a new ...
* Rep. Dold takes educational cruise down Ch...
* Lawmakers decry high turnover rate of VA h...
* CBD Oil, and politics
* Simon considering state Senate bid
* Killer Congressman Tom MacArthur trying to...
* Shutdown? State may not notice
* Rep. Bob Dold

* Dick Durbin Responds to Speculation He'll ......

* Letter: Kirk's leadership encourages suppo......

* “The Driver’s Side” – News From The Motorist’s Perspective
* Disposing of a loved one’s life
* Emanuel likely to have to ‘take the stand’ in lawsuit filed by pair of Chgo cops
* Emanuel likely to have to ‘take the stand’ in lawsuit filed by pair of cops
* Roseland Theater and the future of the neighborhood
* Making work more complicated and costl
* Making work more complicated and costly
* Gridlock
* Emanuel Unveils Proposal For Tackling Laborers Pension Fund
* Study: Chicago City Council Less Of A 'Rubber Stamp' For Emanuel


* Emergency Management Officials, National Weather Service Encourage Winter Preparedness - November is Winter Weather Preparedness Month in Illinois
* Keep Your Family Safe This Winter - November through February are leading months for carbon monoxide related incidents
* Governor Takes Bill Action
* Illinois Department of Labor Director Hugo Chaviano Awards Governor’s Award for Contributions in Health and Safety to the Illinois Refining Division of Marathon Petroleum Company LP
* State Regulator Elected Treasurer of Interstate Medical Licensure Compact




Hosted by MCS -- CapitolFax.com Privacy Policy -- SUBSCRIBE to Capitol Fax -- Advertise Here -- Mobile Version -- Contact Rich Miller