Mothers, Daughters and Money ConferenceDeb Neiman volunteered with several other members of the Financial Planning Association of Massachusetts at the Mothers, Daughters and Money Conference held at Simmons College on September 24, 2005. The conference, a free financial literacy seminar designed to help women of all ages develop their money management skills, was
management skills. Workshops will address a range of topics from money basics to asset management and estate planning.
Debt elimination, home-buying, college saving, long-term care and retirement planning will also be included.
***Please note that the seminar is open to the first 150 registrants***
To register and for more information, please contact Toni Wiley at (617) 599-8708 or at ToniBWiley@aol.com.
6th Annual Statewide Affirmative Market Program (AMP) Meeting
Date and time: Tuesday September 27, 9am-12pm
Location: Great Hall, State House
Come meet representatives from state entities, minority and women-owned businesses and non-profits, and prime vendors on
statewide contracts at the Statewide “Meet The Vendor” Event For Developing Minority/Women Business Enterprise Partner-
sclaimer: Only events specifically labeled as sponsored by The Caucus of Women Legislators have the endorsement of the organization. This calendar is a compi-
lation of some CWL-sponsored events as well as other non-sponsored related topic events.
2005, Issue 7
The Caucus of Women Legislators was pleased to wel-
come to the State House Victoria Budson, founding Executive
Director of the Women and Public Policy Program (WAPPP) of Har-
vard University’s John F. Kennedy School of Government.
WAPPP emphasizes women’s role within
the public policy process as initiators of
policy agenda, decision-makers through-
out the drafting process, and as citizens
affected by the outcome. WAPPP con-
ducts research, develops curriculum, and
publishes materials focused on women
and public policy.
On August 4, Budson told attendees
about From Harvard Square to the Oval
Office: A Political Campaign Practicum, an
initiative of the Women and Public Policy
Program that provides a select group of
Kennedy School students with the training
and support they need to ascend in the
electoral process at the national, state
and local levels.
Another program Budson talked about is Women and
Security Executive Training Program, which advocates for the full
participation of all stakeholders, especially women, in formal and
informal peace processes around the world.
Budson addressed the value of having women in elected
office because of the perspective they bring to the table. She
encouraged young women to get involved in their communities,
write to their legislators about issues of importance to them, and
consider running for office.
“It was informative and inspiring to learn about the re-
sources available to women who are interested in entering poli-
tics, as well as the work being done not only in our country but
world-wide to ensure women’s voices are critical components to
the political decision-making process,” said Jen Clem, Intern to
Representative Ellen Story.
Many WAPPP events are open to the public. For more
information and a calendar of events, please visit,
Harvard's Women and Public Policy
Program Comes to the State House
The Metropolitan Area Planning Council (MAPC) is the
regional planning agency representing 101 cities and towns in
the metropolitan Boston area. On August 9, 2005 the Caucus of
Women Legislators hosted “A Chat with MAPC.” Holly St. Clair,
Manager of the Metro Data Center; Joel Barrera, Project Director;
and Benjamin Meshoulam, Assistant Project Director at MAPC
provided two dozen State House aides and interns with an over-
view of MAPC. Barrera and Meshoulam worked as legislative
staff members prior to joining MAPC.
Thirty members of the Caucus of Women Legislators, or
60%, represent communities which are in the MAPC region.
State House legislative staff members are encouraged to
contact MAPC when seeking data and information regarding top-
ics such as land use, smart growth, zoning, the environment, and
housing. “We have a wealth of information that we are happy to
provide to legislative offices,” said St. Clair. “Just give us a call
and let us know what you are looking for.”
Created by an act of the Legislature in 1963, MAPC
serves as an independent public body of the Commonwealth
within which state and local officials can address issues of re-
gional importance. As one of 14 members of the Metropolitan
Planning Organization (MPO), MAPC has oversight responsibility
for the region's federally funded transportation program.
MAPC works with its 101 cities and towns through eight
designated subregions. Each subregion has members appointed
by chief elected officials and planning boards. The Council sup-
ports the subregions by providing planning information, organiza-
tional experience and technical expertise to foster project devel-
opment and intermunicipal collaboration.
The MAPC region consists of 22 cities and 79 towns in
the greater Boston area. The population of the region is
3,066,394 (based on the 2000 census). The total land area of
the region is 1,422 square miles stretching west from Boston to
include most of the towns inside the I-495 boundary.
(Continued on next page)
Metropolitan Area Planning Council Speaks with Staffers
CHATS HOSTED BY THE CAUCUS
Pictured above (left to right): Benjamin Meshoulam, Holly St. Clair,
and Joel Barrera. 8/9
Caucus Executive Director
Erica Mattison with Victoria
Caucus of Women Legislators
MAPC promotes coop-
eration and advocates for sus-
tainable growth through a variety
of activities, including its Legisla-
tive and Economic Development
Committees, participation in alli-
ances and state commissions,
expertise in land use, transporta-
tion, municipal services and other
arenas, the MetroFuture project,
Metro Mayors Coalition, and
other groups it organizes around
issues of mutual concern.
MAPC’s Legislative Committee
promotes the agency’s priority
legislation and issues, such as
their recommendations for the
way the Commonwealth disposes
of surplus state property.
To learn more about
MAPC, visit www.mapc.org.
(Information from www.mapc.org
was used in this article.)
(Continued from previous page)
CHATS HOSTED BY THE CAUCUS
2, the Caucus of Women
Legislators hosted an
event for State House
staffers, where they
State's Geographic Infor-
mation System (GIS).
Dan Neville of the State
Library of Massachu-
setts and Paul Nutting,
MassGIS' Education Out-
spoke about GIS and
how legislative offices
can put it to use.
created as an act by the
Legislature and is organ-
ized under the Executive
Office of Environmental
Affairs. The enabling
legislation created the
of Geographic and Envi-
better known as Mass-
MassGIS has the
responsibility to “collect,
consolidate, store and
provide geographic and
tion in order to improve
stewardship of natural
resources and the envi-
ronment, promote eco-
nomic development and
guide land-use plan-
ning, risk assess-
response and pollu-
all levels of govern-
ment and assisting
recently supplied Dan
Neville at the State Li-
brary of Massachusetts
with a full set of data
which allows him to con-
duct projects for Mem-
bers, staff and commit-
tees located in the State
GIS can deal
with almost any topic,
for example: legislative
100-200 feet around
water bodies; and the
pinpointing of the resi-
dences and workplaces
of sex-offenders and
analyzing their proximity
to schools and parks.
GIS can map where
birds infected with triple
E or west Nile virus were
found; the boundaries of
habitats; parsing out
census information; and
distribution of govern-
ment services by town,
legislative district, or
Ellie Spring of Rep. Gale Candaras’
office views a GIS map.
Dan Neville (left) and Paul Nutting (right) present to State
House staffers. 8/2
Staffers Gather for GIS Info Session
GIS data is a series of
discrete map layers, each tied
to its own database of informa-
tion. When these layers are
overlaid and the databases
analyzed, one can see how they
Annual GIS Day will be
held in Great Hall on November
16 from 10am-2pm. At GIS
Day, dozens of agencies and
schools demonstrate their GIS
MassGIS has a web-
site, with online mapping capa-
bility, which can be visited at
2005, Issue 7
MA Cultural Council Shares Its Culture
The Women’s Bar Association of Massachusetts Meets with Caucus
CHATS HOSTED BY THE CAUCUS
On Thursday August 18, the Caucus hosted a chat with Mary Kelley, Executive Director of the Massa-
chusetts Cultural Council. Aides and interns gathered to learn about the work of the Council. Here is
some basic information about the Council:
● The Massachusetts Cultural Council promotes excellence, access, education and diversity in the
arts, humanities and interpretive sciences, in order to improve the quality of life for all Massa-
chusetts residents and contribute to the economic vitality of our communities.
75% of local cultural councils in MA are chaired by women.
MCC distributed $9.3 million in grants during the 2005 fiscal year. Grants are available to appli-
cants in four categories: non-profit organizations; schools; municipalities; and individual artists.
The MCC's budget for fiscal year 2005 is $9.3 million, including $8.3 million from the state of Massachusetts and grants
from the National Endowment for the Arts, the Wallace-Readers Digest Funds and others sources.
With support from MCC, communities, organizations, and individual artists from Boston to the Berkshires have contributed
to the economic vitality of Massachusetts. For example, Boston Cyberarts 2003 generated a regional economic impact of
over $2.5 million and created over 32 full-time equivalent jobs, including several in the hospitality and professional ser-
To learn about the many programs and services provided by the Massachusetts Cultural Council, visit www.massculturalcouncil.org.
Mary Kelley speaks with Korynn
Schooley of Representative Wolf’s
Much like the Caucus of Women Legislators, the Women’s Bar
Association of Massachusetts was founded in the 1970s, during a time
when many other women’s groups formed hoping to usher in the passage
of an Equal Rights Amendment (ERA). Decades later, however, that
amendment is still not part of the US Constitution. The ERA has been
ratified by 35 of the necessary 38 states. When three more states vote
yes, the ERA might become the 28th Amendment.
The Women's Bar Association of Massachusetts was founded
by a group of activist women lawyers
in 1978, when no other bar associa-
tion in the state was speaking out on
issues affecting women and women
lawyers, such as the need for more
women in the judiciary.
On August 24, the Caucus
of Women Legislators hosted a Chat
with the Women’s Bar Association of
Massachusetts. Kate Cook, Legisla-
tive Policy Committee Co-Chair, and
Korri Piper, Membership Development
Associate provided two dozen legisla-
tors, aides, and interns with informa-
tion about the WBA and its legislative
The WBA is guided by its
mission statement: "The WBA is com-
mitted to the full and equal participa-
tion of women in the legal profession
and in a just society." The WBA has ap-
proximately 1300 members and over 20
committees such as Western Massachu-
setts, Law Students, and Women of
In addition, the WBA formed the Women's Bar Foundation
(WBF), which provides legal services to indigent and low-income persons
through an array of pro-bono services. To date, the WBF has served over
a thousand indigent and low-income battered, homeless, and incarcer-
ated women, as well as the elderly.
There are volunteer opportunities through the WBA and the
WBF for lawyers and non-lawyers through programs such as the Elder
Law Project and the Women’s Lunch
P l a c e
( o n
t h e
w e b
provides services for poor and homeless
women and their children.
translators for Spanish and Russian are
sought for the Elder Law Project.
“I was especially interested to
hear about volunteer opportunities within
the WBA for non-lawyers.
committees offer plenty of options for
involvement,” said event attendee Liz
Caputo, Legislative and Budget Analyst to
Senator Bob Antonioni.
One of the WBA's oldest and
strongest Committees, the Legislative
Policy Committee works to protect and
promote the interests of women through
the state legislative process.
many legislative priorities for the 2005
Continued on page 10
From left to right: Representative Alice Peisch (D-Wellesley) poses
with Kate Cook, Korri Piper, and Caucus Executive Director Erica
Caucus of Women Legislators
Coinsurance: the percentage of the cost of a service that you must pay. Your insurance pays the rest. For example, with Medicare, you
must pay 20% coinsurance for most Medicare-covered services.
Co-payment: A fixed payment the patient pays (usually in the $5 to $25 range) each time he or she visits a health plan clinician or re-
ceives a covered service.
Deductible: More typical in traditional health insurance, a fixed amount the patient must pay each year before the insurer will begin
covering the cost of care.
Drug formulary: a list of prescription medicines that are approved for coverage by a health insurance plan
Fee-for-service: The traditional method of paying for medical services. A doctor charges a fee for each service provided, and the insurer
pays all or part of that fee. Sometimes the patient pays a co-payment for each visit to the doctor.
Health Maintenance Organization (HMO): An organization that provides health care in return for pre-set monthly payments. Most HMOs
provide care through a network of doctors, hospitals and other medical professionals that their members must use in order to be cov-
ered for that care. To assure coverage, an HMO patient generally must get a referral from his or her primary care doctor before seeing a
Out-of-pocket maximum: Some plans have a limit on the amount of money you may be required to pay for your care. After you have hit
this limit, in most cases all of your future charges will be paid for by the plan. For Prescription Advantage, and most other plans, you do
have to keep paying the monthly premium even after you have hit the out-of-pocket maximum.
Open enrollment: a time period during which a health plan allows new members to join, usually held once a year
Point-of-Service (POS) plan: A type of HMO coverage that allows members to choose to receive services either from participating HMO
providers, or from providers outside the HMO's network. In-network care is more fully covered; for out-of-network care, members pay
deductibles and a percentage of the cost of care, much like traditional health insurance coverage.
Preferred Provider Organization (PPO): A network of doctors and hospitals that provides care at a lower cost than through traditional
insurance. PPO members get better benefits (more coverage) when they use the PPO's network, and pay higher out-of-pocket costs
when they receive care outside the PPO network.
Community health center (CHC): a local health care clinic that provides a wide range of outpatient health care services for its patients,
and is licensed by the Department of Public Health. CHCs usually offer medical, dental, social, and mental health services.
Primary care physician (PCP): A physician, usually an internist, pediatrician or family physician, devoted to general medical care of pa-
tients. Most HMOs require members to choose a primary care physician, who is then expected to provide or authorize all care for that
patient. Your PCP may refer you to specialists if necessary.
(see www.mass.gov/eohhs for catalog)
Children's Medical Security Plan (CMSP): health insurance for Massachusetts children and teenagers who are uninsured and not eligible
for MassHealth. Offers primary and preventive care. Cost depends on family size and income. Run by Office of Medicaid.
FPL / federal poverty level: set each spring by the federal government, the fpl is used to determine eligibility for MassHealth and other
programs. The fpl varies by family size. For 2005, 100% of fpl for a family of 4 is $19,350.
Healthy Start: state program that covers pregnant women not eligible for MassHealth
Insurance Partnership: program to assist small businesses covering workers below 200% of the poverty level . Run by Medicaid.
Long-term unemployed: Someone who has not had significant work for a year or more. MassHealth Essential is available to long-term
unemployed below 100% of poverty.
MassHealth / Medicaid: Medicaid is a federal-state health insurance program for low-income people and the disabled. States set up
their own programs that comply with federal rules, and the federal government pays between 50-80% of the cost. In Massachusetts, our
Medicaid program is called MassHealth, and the federal reimbursement rate is 50%. There are a number of MassHealth programs, each
with its own eligibility rules and benefits. People applying don’t have to know what they are eligible for – the computer system (MA21)
puts people in the best program they are eligible for. Run by Office of Medicaid (formerly DMA).
Some of the MassHealth programs are:
Standard – low income kids, the disabled and parents
Health Care Glossary
2005, Issue 7
Health Care Glossary
CommonHealth – disabled kids and adults with more income than Standard
Essential – covers long-term unemployed adults below poverty line
Limited – only covers emergency services for those whose immigration status precludes eligibility from other MassHealth programs.
MBR: MassHealth Benefit Request – form used to apply for MassHealth. Patients can also apply using an online tool at hospitals and
health centers using a computer system called the virtual gateway.
Medical Security Plan: program that provides subsidized health insurance for people getting unemployment insurance. Run by Division
of Unemployment Assistance.
Medicare: a national health insurance program for people 65 and older and younger people with disabilities, that helps pay for medical
care and hospital costs. To be eligible, you must be a U.S. citizen or legal resident, and either you or your spouse must have worked at
least 10 years in a Medicare-covered job.
Part A: Hospital insurance that helps pay for inpatient hospital stays, care in a skilled nursing facility, hospice care, and some
home health care.
Part B: Medical insurance that helps pay for doctors' services, outpatient hospital care, and other medical services that are not
covered by Part A
Part D: The new Medicare prescription drug program available to all Medicare beneficiaries beginning January 1, 2006.
Medicare Supplemental Insurance: Many people buy extra insurance since Medicare does not pay for everything. This extra insurance
supplements, or fills in the gaps of, Medicare. The insurance is sometimes called medigap, and there are different versions sold in Mas-
Prescription Advantage: insurance plan that covers seniors and the disabled for prescription drugs. Run by Department of Elder Affairs.
Uncompensated Care Pool: Also called the free care pool, it pays for hospital care for un- or underinsured people whose income is under
200% of the federal poverty level ($18,624 for a single individual). People whose incomes fall between 200% and 400% of the federal
poverty level may be eligible for partial free care. Run by Division of Health Care Finance and Policy (DHCFP).
Pathways to Public Health Insurance Coverage for Massachusetts Residents
The Center for Health Policy and Research (CHPR) at the University of Massachusetts Medical School and the Massachusetts Medicaid
Policy Institute (MMPI) have collaborated to create a publication to describe these programs and educate the health care community
and other important stakeholders about public health insurance coverage in Massachusetts. The publication highlights coverage op-
tions and health care resources available to low-income individuals and families, elderly, and residents with disabilities throughout Mas-
The EOHHS "Virtual Gateway" Screening and Referral tool is a short online survey for consumers and providers to determine potential
eligibility for select EOHHS programs. The screening survey compares your answers with the program rules. For each program, you will
see if it looks like you or a member of your household will qualify. If not, you will see the reason why it looks like the household will not
qualify. You will also see the next steps to apply for each program. http://vgportal1.hhs.state.ma.us
Access to Health Care in Massachusetts: A Catalog of Health Care Programs for Uninsured and Underinsured Individuals is produced by
The Division of Health Care Finance and Policy (DHCFP). This catalog was written to help providers, hospitals, community health centers,
outreach workers, and others refer individuals to appropriate health care programs. It contains comprehensive information on 86 fed-
eral, state, and local health care programs that provide direct services and are available to uninsured and underinsured residents of
Health Care For All Helpline
Health Care For All’s Helpline is a resource that is free and available to everyone. The goal is to answer questions about healthcare in
Massachusetts. This is a resource to help with everything from general insurance questions to specific information you need about a
personal health issue. Use the Helpline Online for simple questions about co-payments, rules, directions, to see if you are eligible for a
program, and for suggestions about what insurance you might be able to get. Use the Helpline Telephone Service for more complicated
questions about whether you are eligible for a health insurance program or if you need help dealing with your insurance company. When
you call, leave a message, and a Helpline staff member will call you back. Call 1-800-272-4232. www.hcfama.org/helpline
$$ Short on cash? Check out your local library for great reads! $$
Women & Money
Author: Dee Lee
“If you are looking to brush up on financial terms and get
some useful advice for how to deal with debt, savings, in-
surance, estate planning, and investing, you will get a lot
out of this book!”
100 Ways to Motivate Others
Authors: Steve Chandler and Scott Richardson
“Most people have worked for a company or organization
where they felt underappreciated. But why? This book sug-
gests easy methods for how employers can transform
themselves from bosses to leaders. The inclusion of
quotes from respected women and men inspires reflection
about how one can apply these concepts to everyday life,
whether they manage interns, volunteers, or employees.”
Cult of Power: Sex Discrimination in
Corporate America and What Can Be
Done About It
Author: Martha Burk
“Cult of Power assesses big business and ‘old boys’ clubs’
in America. Martha Burk, Chair of the National Council of
Women’s Organizations, expresses her dismay in the lack
of willingness of certain companies and clubs to end their
discriminating policies. She writes about how she took on
the "men only" policy of the Augusta National Golf Club in
2002-2003. This is an extremely interesting account of the
events surrounding that controversy, making readers think
about the connection between power in the board room
and inclusion on the golf course. This is a must read for
women and men.”
These book recommendations are brought to you by Erica
Mattison and the Caucus interns.
WE WANT TO HEAR FROM YOU!
WOMEN’S BAR ASSOCIATION
Continued from page 7
A sampling of the WBA's legislative priorities include:
Opposition to Acts Relative to Responsible Parenting (S841,
S855, S994, H6834, H919). We oppose these bills because they
usurp and override the current court practice of using the "best
interest of the child" standard when determining child custody.
Support of An Act to Provide Timely Access to Emergency
Contraception (S1319; H1643).
Support of An Act Relative to Equitable Coverage in Annuity
Policies (SD1831, HD993) and An Act Prohibiting Discrimination in
Insurance Policies (SD1959) which would end insurance and an-
nuity pricing and practices which violate our state ERA and would
prohibit discriminatory practices on the basis of race, color, relig-
ion, sex, marital status or national origin.
For a full listing of WBA committees and initiatives, visit
September is Ovarian Cancer Awareness month.
As part of a national campaign to “Spread Teal Across
America,” OvarianCancerAwareness.org, a coalition of
ovarian cancer awareness organizations in Massachu-
setts, is working with state legislators in an effort at the
State House spear-headed by Public Health Committee
Chairman Peter Koutoujian, to increase awareness of ovar-
Large bows on the Grand Staircase and
smaller individual bows on office doors will be displayed
throughout the month.
This year alone, an estimated 22,220 new cases
will be diagnosed and more than 16,210 lives will be
claimed by this potentially deadly disease. The early symp-
toms of ovarian cancer often go undetected or are con-
fused with other diseases. It is the deadliest form of gyne-
cological cancer having a mortality rate of nearly 50%
within five years of diagnosis. Recent research suggests
that together the three symptoms of swollen abdomen, a
bloated feeling and urinary urgency may be associated
with ovarian cancer.
(Continued on page 12)
Caucus of Women Legislators
Women in MA Legislature
This year the Caucus has been working on expanding and updating its
records of women in the Massachusetts Legislature.
The chart below shows the number of women who have served in the Legislature during
each session from 1981 to today.
The History Page
Do you have any information about the history of women in the Massachusetts Legislature? If so, please contact the Caucus!
Thank you and best wishes to
historian Jim Horrigan who will be
moving on to other projects after
having delighted legislators, State
House staffers, and members of the
public with his entertaining Gallery
of Governors Tours since
August 12, 1993.
2005, Issue 7
is an annual campaign sponsored by
four ovarian cancer activist groups in
Massachusetts. The Massachusetts
Division of the National Ovarian Cancer
Coalition (NOCC), the Ovarian Cancer
Education Awareness Network at the
Massachusetts General Hospital
(OCEAN), The Massachusetts General
Hospital Cancer Center, and the M.
Patricia Cronin Foundation to Fight
Ovarian Cancer, Inc., have come to-
gether for the fourth consecutive year
to pool their resources to increase
awareness of ovarian cancer. The four
organizations have complimentary mis-
sions; all believe in the importance of
The goal of this campaign is to
educate people about ovarian cancer
and to encourage women to learn the
facts about the disease, which, if de-
tected at its earliest stage, has a five-
year survival rate of over 90%. The
campaign’s website provides informa-
tion, promotes awareness of ovarian
cancer, and provides links to each
sponsoring organization’s website. For
m o r e
i n f o r m a t i o n ,
v i s i t
(Continued from page 10)
O v a r i a n C a n c e r A w a r e n e s s
Thank you to Amy Gilman, Katie Nielson, and Tabitha Hernandez who interned for the Caucus this
summer! With fall approaching, the Caucus seeks college juniors, seniors, and graduate students to in-
tern in our office. Internships are part-time and unpaid (sorry!). Please contact the Caucus if you or
someone you know is interested in learning more. It is a great opportunity to interact with legislative
offices and learn about state government and a variety of issues. Applications are due on Monday September 12.
At right: Financial Education Liaison Leanne Martin and Director of Financial Education Nina Selvaggio, both of the
State Treasurer’s Office, with Dee Lee, Certified Financial Planner, and Erica Mattison, Executive Director of the
Caucus of Women Legislators. 8/26
Continued from page 2
6. Learn about investing and then do it!
⇒ “The more you learn about the stock market, the less scary it will seem to you,” says Lee. She encourages women to read the
business section of the newspaper as well as business/financial magazines. “It is especially important for women to be knowl-
edgeable about money because they live longer than men, seven years on average,” says Lee.
7. Adequately insure yourself!
⇒ If you do not have dependents, you probably do not need a lot of life insurance. You should have disability insurance, how-
ever, says Lee. Disability insurance insures your income if you can no longer work.
8. Don’t forget estate planning!
⇒ Make sure you arrange for durable power of attorney, which means that you name someone to act on your behalf if you are
unable. Also, prepare a health directive (healthcare proxy), which details what you want to happen to you regarding medical
treatment, in the event that you are able to choose the treatment yourself at a later date.
9. And remember…
⇒ “The more you have, the more you need to protect it,” says Lee.
10. Lastly, go to a Money Conference!
⇒ For more information on the free money conferences sponsored by State Treasurer Cahill, visit
www.themoneyconference.com. Space is limited and advance registration is required.
To obtain more information about Dee Lee, financial website recommendations,
and free financial worksheets, visit www.deelee.net.
The next event in the Financial Literacy Brown Bag Series will take place on No-
vember 4 and will focus on planning for retirement. ING Retirement Advisor Bob Andreola
will serve as the speaker. The event will take place from noon-1pm in the House Members’
Lounge and those interested in attending are asked to sign up in advance with Nina Selvag-
gio at firstname.lastname@example.org or 617-367-6900.
$$$ MORE MONEY ADVICE $$$co-sponsored by the U.S. Department of Labor Women’s Bureau and United Way of Massachusetts Bay.