COMMISSION WORKSHOP

PRESENT: City Commission: Also Present: CALL TO ORDER DUNEDIN, FLORIDA MINUTES OF THE CITY COMMISSION WORKSHOP NOVEMBER 4, 2025 9:00 A.M. Mayor Maureen "Moe" Freaney, Vice Mayor Jeff Gow, Commissioners Tom Dugard, Steven Sandbergen, and Robert Walker City Manager Jennifer Bramley, City Attorney Jennifer Cowan, Deputy City Clerk Michelle Wells, Deputy City Manager Jorge Quintas , Human Resource/Risk Management Director Theresa E. Smalling, Ph.D., Utilities Operational Division Manager Janice Bennett, Utilities and Engineering Director Clayton Watkins, Communications Director Sue Burness, Public Works Director Sue Bartlett, Engineer II Alejandro Gonzalez, Wastewater Plant Manager Brian Antonian, Community Center Special Events Program Coordinator Jorie Peterson and approximately three people in the audience . Mayor Freaney called the November 4, 2025 Workshop to order at 9:00 a.m. PLEDGE OF ALLEGIANCE City Attorney Cowan led the Pledge of Allegiance. 1. PRESENT ATIO NS - None CITIZEN INPUT Mayor Freaney advised now was the time for anyone in the audience to speak on a topic that is not already on the agenda. Seeing and hearing no one wishing to speak, she moved to the next agenda item. WORKSHOP ITEMS 2.a. Discussion of the City's Risk Management Program Staff Presentation Human Resource/Risk Management Director Smalling introduced the agenda item, noting at a budget workshop there were questions about the City's Insurance and Risk Management Program. She has invited consultants from the Gehring Group , the City's Risk Strategies , and part of the Brown & Brown team , the City 's current broker of record and the Risk Management Consultant. She made the following comments: Having a consultant firm on the Risk Management side is very valuable to the department and to the City because with HR and Risk Management being a small department, there are two members of staff who work on the Risk Management side of the house. As was seen last year, especially with the storms, besides the day-to-day Workers ' Compensation insurance claims, there are several complicated insurance and risk management issues; even with all her years of experience , she does not have the comfort level of risk management experience. That is why the City does have a consulting firm. The Gehring Group has been with the City since about 2007 , and they have proven themselves again. In attendance today were Ray Carter, Senior Consultant, who is the day-to-day Risk Management Consultant and assists with the more serious insurance claims; the third-party administrator of Workers' Compensation and Liability claims; and the City Attorney's Office and the City Manager. Also in attendance was Rommi Mitchell , Senior Consultant and Risk Services Team Lead, who assists with annual renewals and navigates the contracts and insurance language. Rommi Mitchell referred to the PowerPoint presentation (Attachment B) and provided additional information and comments. 25-1

Workshop Minutes November 4, 2025 Dedicated Team - Graphic - Page 2 Dunedin City Commission Gehring Group establishes a team for each of their clients, who are at the disposal of Dr. Smalling and her team for any service matter. Her job as Senior Consultant and P&C Team Lead is to make sure they are properly and adequately either procuring insurance or assisting Mr . Carter in their process with Risk transfer . She described some details of her job . She explained she also oversees the Account Executive assigned to the City and provided some details of that position . The Gehring Group has also had a longstanding relationship with the Florida Municipal Insurance Trust (FMIT), one of the large government trusts that provides Property & Casualty and Workers ' Compensation Insurance to government entities in the state. Ms. Mitchell noted the good relationship Gehring Group has with the lead who administers the trust and access to their underwriters and senior leadership. Ms. Mitchell referred to the graphic depicting the Risk Management Service Team and elaborated on their various responsibilities . Ray Carter , ARM Senior Risk Management Consultant , briefly noted his education and professional background including coming to the Gehring Group in 2015 with his first client being Dunedin; this is his 11 th year . He advised: The priority with any program is to ensure it is predictable in terms of cost, and that it is stable over time; this is also an indication the program is running smoothly in looking at the Actuarial Report. In terms of controlling those elements, they methodically place insurance based upon the past losses seen and , working with controlling outside forces, to transfer the risk away from the City because of all the vendor partners the City depends upon to provide the services within the community. Also, it means keeping all the employees safe , which is the safety piece with training, annual inspections , and talking with employees and building a culture of safety . He thereafter continued with the presentation . Risk Management Consulting - Page 3 • Insurance Requirements - Contractual Risk Transfer In terms of controlling those elements, they methodically place insurance based upon the past losses seen and , working with controlling outside forces, to transfer the risk away from the City because of all the vendor partners the City depends upon to provide the services within the community . • Property & Casualty Program There are two costs , including the Premiums looking for a Return on Investment. The insurance is to protect against catastrophic loss . He cited the recent Water issue and a fire , as well as the storms last year . This brings in resources the City might not have otherwise had at its disposal and can bring them in quickly. Mr. Carter discussed the process after a storm in protecting a building from further loss, meeting their duty to the policy as well as the duty of the City to make sure of getting a building back as quickly as possible to the condition before the event. • Workers' Compensation Program The City's greatest resource is its people. They ensure taking them home the same way they were when they came to work. The safety program is critical , as well as the culture of safety . • Safety & Loss Control • Statutory Compliance There is a host of statutes applicable to any insurance program or self-insured program. 25-2

Workshop Minutes November 4, 2025 Dunedin City Commission State Statute 768.28 is the liability piece, which limits the exposure financially the City may have short of a claims bill that has to be sponsored by a local Legislature Representative. Mr. Carter cited a number of statutes and briefly described those. All the statutory compliance issues must be maintained, and those claims must be managed. This is where they lean on the third-party adjuster; by the contract, they transfer the risk away from the City to the current CPA of Record that they are responsible for reporting to the State. Gehring manages them; however, it is their responsibility to follow the statutes. • Claims Advocacy Gehring ensures, through their quarterly claim review meetings, that they are doing what needs to be done and have an action plan for the claims. Ms . Mitchell continued the presentation: Insurance Placement - Page 4 Core Coverages - Detail List Ms. Mitchell elaborated on core coverages the City has, which probably make up the majority of the premium in the budget. Ancillary Coverages - Detail List Ms. Mitchell elaborated on the items listed, all of which are placed outside Florida Municipal Insurance Trust. The City is self-insured on the Liability side. Mr. Carter continued: Program History - Page 5 2025/2026 • Annual Premium: $2,852,347 PR TIV = ~$281M Payrolls = ~$23M • Renewal: -$289,271 (-9 .2%) 19% below market average • Noteworthy Change(s) Experience Mod down 8 points to 0.66 This includes the payroll, which generally increases over time and claims history. The 0.66 means the City is 34% better than the average or expected for an entity of its size and make up in merit. There is a savings involving a quarterly assessment paid to the State to be a qualified self-insured entity. If average, the City would be paying in full. This equates to tremendous savings for the City. FY20-FY25 • Program Design Self-Insured Liability NS Sublimit Implemented 2024 • Policy Stats Property: 174% Loss Ratio Over the period of FY20 - FY25, the City received a return on its investment for the premium. The fire was the biggest; however, other claims were within those five years as well. 25-3

Workshop Minutes November 4, 2025 WC : EMod down 22 points overall • Market Conditions Peaks (2022-2023) : PR , Cyber Prof Liability/Auto trend (+12-25% since 2020/2022) Ms . Mitchell provided information regarding : Dunedin City Commission The program design changes , which is tied into the Market conditions. This included the results of Hurricane Ian , which upset the market and changed the approach to underwriting insurance . This led to high increases in the property insurance market. Also, there was a survey of all City assets from park benches to the largest buildings to consider what was appropriate for coverage . Detailed information in terms of the basis for the premium , including the potential maximum loss that was determined to be fairly low and the $100 Million not needed. That was lowered to $50 Million to be more in line with the predictions, and models updated after 2023. Peaks and trends in the market help to make the determinations . Property & Casualty Program - Core Coverages - Detail Table - Page 6 Insurance Carrier Coverage Line Coverage Type Deductible Coverage Limits Annual Premium 1. Premium shown is estimated (off cycle anniversary dates) Property & Casualty Program - Ancillary Coverages - Page 7 Insurance Carrier Coverage Line Coverage Type Deductible Coverage Limits Annual Premium 1. Premium shown is estimated (off cycle anniversary dates) 2. Policy procured by the City and paid via Dunedin CGA Risk Management Strategy - Page 8 • Market Bid (2026/2027) - PR, Auto, XS WC, Prof. Liab., Cyber, Crime Mr . Carter explained that this past year, there has been a tremendous amount of pressure from the Governor's Office to the insurers to really look at their book of business and give some relief where they can possibly initiate that discussion . It has been , by all means , successful. This has been a quiet year. Where the insurers do make their money is the investment in the premium they have maintained ; with litt le payouts, they have probably had a fairly good return on their investment. 25-4

Workshop Minutes November 4, 2025 Dunedin City Commission He thinks there might be an opportunity for the market to even soften as long as we can get through the balance of this year. This will be important come March, when budgetary projections have to be set for the next year. • Helene/Milton Supplemental Claims - Marina • Program Analytics • Special Projects & Initiatives • Regulatory Guidance & Outlook Commission questions, comments, and concerns were addressed to include: Mr. Carter addressed the question of how the experience modification is calculated and the criteria which is calculated by the State of Florida; he explained the reports and information provided to the State, which puts it into a 3-year period. That results in the State Assessment Fee, which is annually broken into quarters for payment; Dunedin's fee is reduced by 34% as mentioned. Ms . Mitchell provided information on the $100 Million in maximum insured value as to assessment in the reduction to $50 Million. Mr. Carter provided additional information regarding current discussions by FEMA for the future in relation to public entities on the coast and possibly eliminating Category G, which is generally Parks assets, and explained regarding tools and options available to address that possibility. Mr. Carter advised the modeling parameters change over time; it is a very complex method used by the underwriters and by their firm as well. Mr. Carter addressed the question of the City's particular experience of losses for the past two years and what the City has had to underwrite, being partially self-insured and in reference to Attachment A regarding Table 1-1 Estimated Outstanding Losses As of September 30, 2025 - Estimated Outstanding Losses. That is a snapshot in time when they closed the books on FY25, all claims currently open, not closed as a liability that at some point will have to be paid, closed , or denied. It was clarified that those numbers are a projection. In reference to Attachment A, Page 6: Comparison to Previous Study The projected ultimate limited losses of $724,872 for 2025/26 compared to $612,717 for 2024/25. This is an 18.3% change. Changes of this magnitude are common for small programs. It is not a material deviation . Mr. Carter explained that it is based on the previous Page 5, Table 1-2 Projected Ultimate Limited Losses 2025/26, which is the current fiscal year and based on history and expectations. "Ultimate limited losses" is the maximum number without any discount for interest that might be earned on money set aside for a claim that might be paid, for example, five years from now. Significant discussion ensued in explanation. The concern was expressed that the City is adequately covered and whether the experience matches up to the liabilities that possibly will be faced in the future. Mr. Carter addressed the concern and explained the process involved in having a program that is stable with the funds available when it becomes due and predictable; the Actuarial Report gives some level of comfort that it is predictable over time and stable over time, which is critical. Discussion ensued and Ms . Mitchell provided an additional detailed explanation regarding Table 1-1 and Table 1-2. In response to the comment from Commissioner Dugard, Mr . Carter commented they could request the Actuary to give expected cash flow in the coming year, although they have never asked for that. Ms. Mitchell referred to Attachment A - Page 3, which she thought might address the concern : 25-5

Workshop Minutes November 4, 2025 Comparison to Previous Study Dunedin City Commission The estimated outstanding losses of $1 ,333,202 as of September 30 , 2025, compared to $1,345,360 as of September 30, 2024 (dated July 19, 2024). This is a -0 .9% change . It is not a material deviation . In reference to Page 5 of the presentation , each position has a classification number; that is a State number. There are things the City can do in relation to those numbers as Mr. Carter explained , including the right Personal Protection Equipment (PPE) for the right job ; appropriate training to do the job in a safe manner ; and making sure the employee is using the PPE. He emphasized the importance of building the culture of safety within the organization. He noted being at 0.66 in the Experience Mod is a tremendous number. Discussion ensued regarding safety, including Dr. Smalling providing an example of creating the culture of safety, addressing the whole person as well as empowering the employee in those terms. Ms . Mitchell noted anything under 0.75 indicates the program is working very effectively. It was clarified that Risk Strategies was acquired by Brown & Brown recently and that Mr. Carter and Ms. Mitchell are the direct contacts for Dr . Smalling . Gehring Group has maintained the same staff and in fact has grown, but they have never changed their approach to service . Brown & Brown is very familiar with Gehring Group , being a Florida-based company. Ms. Mitchell provided additional comments regarding the Gehring Group being unique and the relationship with Brown & Brown. Florida Municipal Insurance Trust (FMIT) is allowed to be established under the statutes, which does provide for some self-insured entities within interlocal arrangements. The market will not write this amount of coverage for these entities that own this many assets or have this much exposure on a daily basis . FMIT was built on that premise, taking what was allowed under statute and providing for an interlocal type of agreement , and it was made to be a sort of master agreement and plan to which government entities that enjoy sovereign immunity under FL Statutes Ch . 768 participate. Ms . Mitchell provided information regarding FMIT in terms of the Florida League of Cities and the Gehring Group access being an agent of record ; the one or two other brokers allowed do not have that type of access . Ms. Mitchell advised they can provide a schedule of values to the Commission. Discussion ensued regarding coverages, items, and structures covered and not covered including items in the open such as benches, flag poles , and so forth . In terms of Business Income Loss, it is like a deductible with 72 hours of a loss to report and claim a loss . It was noted these were claims for the Golf Club and the Marina . Discussion ensued regarding the two storms being separated between policy periods, allowing Dunedin to receive the full benefits. Discussion ensued with explanations regarding excess flood and underlying flood and ancillary policies/coverage. The Commission will be provided with the information as requested. The biggest driver for liability claims the City currently has probably been slips and falls . The biggest driver for Workers ' Compensation injuries is probably Fire and then as would be expected: backs, knees, ank~s, etc . Dr . Smalling acknowledged the City does still have a Safety Committee and provided the details of the make up of the committee and the various awards considered . Also, for the liability issues , there is a process in relation to Risk/Loss. Mayor Freaney requested , if possible , an information sheet of all coverages , exposures , and how there is a $3.5 Million Self-Insurance Fund mandatory minimum and comparison to the coverage. Dr. Smalling provided some background information on the policy regarding the amount of self-insurance. 25-6

Workshop Minutes November 4, 2025 Public Input Dunedin City Commission Mayor Freaney opened the item to public input. Hearing and seeing no one wishing to speak, Mayor Freaney closed the public input. BREAK approx. 10:48 A.M. - 11 :00 A.M. 2.b. North Douglas and Baywood Shores update Staff Presentation Utilities & Engineering Director Watkins referred to the PowerPoint attached to the agenda item and provided a brief overview. In December 2024, a public meeting was held with the City's consultant providing different solutions to help alleviate what was referred to as clear sky or tidal flooding on the streets of North Douglas and San Mateo. North Douglas Ave - Proposal • Solution C • Isolate Local Drainage System with tide-valve and block surface flow Map of the area with legend for Drainage Features and Conveyance Features Mr. Watkins reviewed details included in the proposal of how to block some of the flow of the tidal ditches that run along the pond at the north side of Douglas, along with installation of backflow or tidal valves in the 18" pipes that collect the water. Consultant provided construction plan view - Pages 4-5. City of Dunedin North Douglas Ave Drainage Improvements Mr. Watkins advised this project will go out to bid on Friday with a closing date of December 9, 2025; they are anticipating to bring that to the Commission for approval in December or the first meeting in January with 60 days to complete the work. North Douglas Maintenance Efforts - Photo Page 6 • Public Services purchased three Duoseal manhole covers for the three junction boxes along Douglas Ave • One manhole lid was installed by Public Services on September 30 th . • The two remaining manhole covers will be installed as part of the North Douglas Construction project. • Public Services staff inspects and maintains the existing tide valves on Douglas Ave on a quarterly maintenance schedule. Public Works Director Bartlett advised : The tidal valves in the 18" pipes along Douglas are to allow stormwater to flow the way it should and allowing stormwater to still discharge, but they stop the tidal influence coming back to the side inlets. The manhole lids mentioned are for the three areas of the 60" in the center, and the plan is to only close the road once for the remaining two as part of this project. The lid installed by Public Works seems to be working well so that there is less water on the roadway from the tidal influence . There were several options presented; this is one which staff proceeded with that was determined to be feasible and affordable. There are other options to consider, which will be addressed in the adaptability plan and coming back to the Commission for the costs and the impact in terms of what changes and if it will help in that area. 25-7

Workshop Minutes November 4, 2025 Dunedin City Commission At North Douglas , there are signs about flooding/water on the roadway that Public Works can put down when there is water on the roadway, as that condition still exists; they want to give as much notice as possible and also monitor the tides for both Baywood Shores, North Douglas, and other areas in the City where tidal influence will cause a backup of saltwater into the streets. Baywood Shores Ma intenance Efforts - Map/Photos - Pages 7 - 8 Baywood Shores Tide Valve Installation/Replacement • Ten tide valves were installed last year in the Baywood Shores Neighborhood • They are maintained and inspected on a quarterly basis • Staff is ready to respond to any resident concerns as needed • Please contact Public Services at 727-298-3232 Ms. Bartlett explained: Maintenance is more frequent than quarterly due to more issues in this area with debris, not the valves . The residents in those areas are very quick to let staff know when it is not functioning correctly. Staff tries to get ahead of the issues by monitoring the tides if a storm is coming; however, things can happen during a storm. In the Baywood Shore areas , it was found with the system and old and different-sized pipes, it is a continued struggle with the sealing of the valves ; therefore, a more frequent regimen was developed to make sure there is no leakage around the tidal valves and working with various materials seems to have been successful for several months . Commission questions, comments, and concerns were addressed to include : The work that was done in-house by Public Works was to their capability ; the additional work is part of the construction plan . Mr. Watkins explained rega rding the berm in relation to the tidal flow and the structures and piping that will collect the rainfall and flow into the creek . Regarding Bayshore , the work has been completed at this time, as there has not been anything else identified the City can do that will make a difference. There might be more options within the study to consider. Shown in the presentation is basically the scope of the contract; there are some other details and items which Mr. Watkins noted . In terms of the option being explored of raising the road, that is great for tidal flooding ; however, that raises the road at or above some of the adjacent homes . Flood waters would flow straight down driveways into houses ; therefo re, that was not deemed to be an option . Regarding the question of historic sunny day flooding and what can be expected in the future with this mitigation, Mr . Watkins explained it depends ; it is only going to stop flows below 2.5. He thinks if higher tidal events are seen, then obviously the percentage expectation will be lower . Ms. Bartlett added the barriers put in place have already seen an impact with less water on the road reported; however, how long that will last depends on the height of those tides; she would not want to speculate on a percentage. Concern was expressed that the public should understand that in terms of historic flooding , this is not an absolute solution ; however, it will probably work much better than what they have had. There should not be the illusion that this solves the problem one hundred percent. The water from the pipes is staged in the 60 " pipe and in the ditches and the 18 " pipe eventually to the Cedar Creek as the main tributary . Mr . Watkins provided some technical details regarding water levels. 25-8

Workshop Minutes November 4, 2025 Dunedin City Commission It is correct that this diminishes the amount of water even when it does exceed the 2.5; it just does not completely keep the street dry. In terms of the timing for the berm, the City is waiting for the Southwest Florida Water Management District (SWFWMD) permit approval. No questions or comments are anticipated; therefore, the project was already put out to bid. Ms. Bartlett related some history of the area drainage and the improvements done in the past, noting there was much focus on the freshwater drainage and flooding upstream; there might have been some tidal issues as well. Mr. Watkins noted there was information historically of the significant increase of tidal elevation over time. There was a request for the chart showing those tidal changes, which City Manager Bramley advised will be included in a follow-up of the meeting to the Commission. Public Input Mayor Freaney opened the item to public input. Jeanette Cornell of 1858 Douglas Avenue commented: Many of the questions she had have been answered. Many residents brought up at the meeting the replacement of the 36" CMP with the 36" RCP on the Trail side, specifically the ditch that is part of Pinellas County; they brought up water standing behind their yards because the drainpipe is completely clogged; it never drains and it is getting worse . She suggested partnering with the County to do that work . Residents would like an answer on that. The work that was previously done in terms of the valves has improved the amount of water coming up the street. Residents have charts for the tides and she uses 2.7 as a guide, and when it is going to be 2.8 she knows there will be water on the street. Public Works Director Bartlett advised staff has worked with Pinellas County on cleaning the area mentioned; she will contact them again to make them aware this is happening, and the expectation is that it is maintained promptly. The County has not committed any resources to this construction proposal; it is in their plans to make this recommendation. David Kelly of 1871 Pasadena Drive commented: Common sense tells him the pond that is supposed to collect freshwater from rain is saltwater , which means it must be coming in from Cedar Creek. Looking on the west side of Cedar Creek on the other side of the bridge, there are seawalls and the water can go quite high there . He has been in his house for 38 years, and when it comes through under the bridge, that creek seems to get wider every year. What is happening is there is a big mound in the middle of the creek and over the years , that water has to go someplace and it spreads out and is going into the pond and the ditches and not taking the complete path it is supposed to be taking. They have been getting worse flooding since that pond was put in, although he knows there was a reason. Just cleaning up Cedar Creek might be of help. Richard Cornell of 1858 Douglas Avenue commented: He is happy with the stoppage of anything coming through on Douglas . His house backs up to the Pinellas Trail. If there is going to be a 36" that's replaced and heading to the south from the north with water, is there any type of check valve that is going to stop any of that, including what has been stopped with the check valves elsewhere? If not, then he would have to say what is past his house going south is an area that the City did work on Beltrees months ago, using a backhoe to pull soil out of that area; it was dug out up to his house or the house after at some point before he moved there . For everything past his house to Mira Vista, there is nothing dug out, so for water that comes up during any storm , it is resistant to go to Mira Vista because it is not dug out equally. His feeling is it is coming in the backyards 25-9

Workshop Minutes November 4, 2025 Dunedin City Commission of those such as himself because the resistance is for it to go to Mira Vista up inside the Pinellas Trail. There is no resistance to come into his backyard or anyone else that is not south of that area. Hearing and see ing no one else wishing to speak , Mayor Freaney closed the public input. Response to Public Input Mr. Watkins commented he thought most of the water rising and so forth has more to do with tide elevations. He clarified the replacement of the 36 " pipe is not part of this project due to the elevation of the pipe being above 2.5, which would not restrict anything differen t from this , and the permitting would take longer to get through Pinellas County. Staff wanted to make sure the bulk of the problem is taken care of before working on that area. That is also a Pinellas County asset , so the City will have to work with the County on that. Mr . Watkins discussed with the resident regarding other valve locations and water coming up through backyards and explained what he thought was happening was Pinellas County has done work only on part of the ditch and not the entire ditch . City Manager Bramley noted the City needs to follow up with Pinellas County as well on that issue . Commission Comments The Mayor and Commiss ioners expressed appreciation for the update and the work that has been done and noted there will still be more in the future . 2.c. Pinellas County Regional Resource Facility (RRF) Overview Staff Presentation Ut ilities and Engineer ing Director Watkins referred to the PowerPo int presentation , Attachment A to the agenda item , and prov ided additional comments and information . Previously , the Commission author ized the City Manager and delegated staff to go through negotiations with Pinellas County for the Regional Resource Facility (RRF) . The RRF will provide a long-term , regional solution for wastewater biosolids management with the intent of addressing pending FDEP and EPA regulations and water quality concerns . The facility will have some benefits including reusable and marketable products such as renewable energy, fert ilizers , and compost. The City of Dunedin produces biosolids in liquid form that is picked up da ily and taken to the Hernando County area and sp read over a field at a cattle farm for fertilizer. For several decades , FDEP has th reatened to eliminate land application as a disposal method for the biosolids with EPA -discussed regulations . Products that Contain PFAS (Per-and Polyfluoroalkyl Substance or Forever Chemicals) - Graphic - Page 6 The PFAS are in most everyday products . Mr. Watkins noted the U.S. has for the most part eliminated the use in products ; however, that does not include products purchased from other countries . • The project is currently in Phase II. • Phase 2 is expected to continue until Quarter 4 of 2026 • Phase 2 consists of creation of the Design-Criteria Package , Legislative and/or Funding Assistance, lnterlocal Agreements , Permitting , and Procurement • Phase 3 is expected to start in Quarter 4 of 2026 until Quarter 1 of 2029. • Phase 3 consists of the Design & Construction Phase • Phase 4 is the Operation of the facility 25-10

Workshop Minutes November 4, 2025 Dunedin City Commission Regional Resource Recovery Facility Tentative Project Schedule - Table - Page 8 Phase 1: Preliminary Engineering Phase 2: Design-Criteria Package Phase 3: Construction Pinellas County has provided preliminary cost per residence based on the possible treatment types - Table - Page 9 The cost would be added to the City's Wastewater bills. The table lists the Regional Partners and the "Treatment Train" with estimated costs. Mr. Watkins advised this could provide an economic effect to the City, and there is a long process. The idea is this is not beneficial to the City, and they would not go along with joining the facility. Commission questions, comments, and concerns were addressed to include: Mr. Watkins clarified the City would continue with the negotiations; however, if it is found there are other ways to take care of the biosolids or if there is a more beneficial economic option, the City would back out. Other options will depend on the future regulations. Utilities Operational Division Manager Bennett explained: Dunedin does not have as many options as some other cities. Dunedin has limited site and accessibility with its size. Currently the City creates a Class B sludge that is partially treated by removing a significant amount of the pathogens; it does not remove all. Land disposal of Class B sludge has been up for question throughout her entire career; about every five years, the DEP keeps tightening the regulations to try to get this product more regulated and less going into the environment. Initially it was metals; nutrients are now considered a problem. The most recent increase in regulations was 2021 on the land disposal sites where there are nutrient loading reports required of haulers, and the owners must present those to the DEP; regulations continue to be higher. The DEP wants the City to have Class AA sludge with all the pathogens inactivated or destroyed; it can be sold as something like a commercial fertilizer. That is what the County is proposing; they already have that at their facility at the South Cross Bayou Plant, which has been in operation for 30 or 40 years, so they are looking at major overhauls. When the County began considering rehabbing the facility one more time, they suggested looking at a regional solution that not only meets the County needs; they relocated this project onto the solid waste complex and opened it potentially to regional partners. To date, the County has considered what it would take to solve this problem for the entire county, and that is what they are asking. The County is at a point where they have to make some hard decisions including funding and are looking for any State or Federal money, as it is an expensive project. Obviously, the County is more eligible for State and Federal funding with regional partners; it helps everyone if it is spread out. The County is asking the City what they are going to do: participate, partner, or go it alone. Her opinion is the City is not in a good place to go it alone since they are not that big, and it is a long way to go from where the City is now. Currently with a Class B liquid sludge, the City has the capacity to probably de-water and reduce the transportation costs. She does not know that the City has the land or the ability to go to something like an anerobic digestion; that is a very complicated process that the City has not taken on to date. If it is not done well, that process is a disaster. 25-11

Workshop Minutes November 4, 2025 Dunedin City Comm ission City Manager Bramley noted the Commission has authorized her and City staff to negotiate. She sent an email to County Administrator Burton, saying essentially they have been authorized to negotiate , and ultima tely it is up to the City Commission via the interlocal agreement. If it comes to the point of going out , staff will come to the City Commission for permission and approval first of being out. The framework of being out would be having found an alternative more cost-effective for the City and so forth . Also , staff will provide the Comm iss ion with updates going through this long-term negotiation with the County ; as they reach their benchmarks , staff will understand more where the City stands . Ultimately , it will be an interlocal agreement before the City Commission. It was clarified that the table for example costs under 1A is per resident per month . Regarding entering the interlocal agreement , Ms . Bennett explained the County will have to seek funding for this very expensive project and they will have to know at what capacity it will be built. At some point , the County needs to know firmly the input to design and fund properly. City Manager Bramley explained the interlocal agreement gives the City a seat at the table for the process . Essentially , the County is looking at the design prospect for the facility ; it is a County initiative and they are looking to the City as partners . Really , it is financially the capacity the City would take up and how much it will cost. Ms. Bennett adv ised this project has been underway since 2022, and the City has been participating in meetings providing data , helping with the decision-mak ing, and reviewing the consultant products and so forth to this point. Attachment C, Prel iminary Engineering Report Reg ional Resource Recovery Facility, includes an Executive Summary with explanations of all the Treatment Trains (beginning on page 35) . In response to questions regarding the PFAS, City Attorney Cowan provided general information regarding litigation and class action suits , which the City will be part of; these actions began prior to Bryant Miller Olive be ing the City Attorney . It was pointed out that the cost to citizens indicated by the information provided would be in the range of $840,000 to $1 .5 Million annually; that is on top of what the City has already done for Water/Wastewater. Mayor Freaney advised she just received a text from the representative liaison with Tampa Bay Regional Planning Council stating these PFAS have not been banned in the U.S. She commented there are lawsuits , potential settlements , etc., yet those are still allowed to come in. City Attorney Cowan commented it is more of a political question , and if outlawed she would say that it would come through Congress through a law or direction to the agency , probably the EPA as far as rules . Ms . Bennett noted these chemicals are ub iqu itous in the environment in a wide range of products and substances . If there was never another ounce of it brought into the country, it is still in the environment and is going to find its way into wastewater and water resources . Discussion ensued, including how this relates to increased costs to the City . In response to the question of the cost differential in working with the City of Oldsmar , Ms. Bennett advised she asked and has not received an answer ; however , that city has a very large industrial base with almost one-third of their wastewater customers being industrial ; it was twice as much for the average residential customer in Oldsmar. She noted the calculations presented today are fairly high-level. It was reiterated that for several decades , FDEP has threatened to eliminate land application as a disposal method for bioso lids , and recently with EPA-discussed regulations . Ms . Bennett clarified it would be the EPA setting regulations ; however , they are not currently regulated on biosolids . Her understanding is the County is dealing with biosolids as currently regulated to create a Class AA biosolid product because that is the safest and least restrictive to either market or get rid of; they have been doing that at their current facility and want to continue to do so at a new facility they are opening to the region and if and when PFAS 25-12

Workshop Minutes November 4, 2025 Dunedin City Commission regulation comes in. They can add in what is needed to comply rather than trying to address the PFAS now because the regulations and goals are not known. She explained the process Dunedin has been applying that is legal and fully in compliance with the regulations and monitored . Concern was expressed for the significant number of unknowns involved. Mayor Freaney advised regarding an additional text from the representative liaison with Tampa Bay Regional Planning Council, stating states are banning PFAS; 15 states have enacted laws limiting or regulating PFAS in consumer products, and similar bills have been proposed in 6 other states. Florida is not one of them. Comment was made by Commissioner Walker regarding Dunedin only having so much land and already incurring transportation costs to move the sludge much farther away; while the cost is a concern, how could the City afford not to do this? He noted the Commission is being asked to provide consensus direction on the negotiation aspect. He noted the parallel path in terms of lobbying Federal and State elected officials on this issue in terms of some measure of regulation. Public Input Mayor Freaney opened the item to public input. Hearing and seeing no one wishing to speak, Mayor Freaney closed the public input. Commission Comments/Direction The Mayor and Commissioners made final comments resulting in support of directing the City Manager and City staff to continue negotiations regarding the Pinellas County Regional Resource Facility (RRF), including their concerns regarding this issue in terms of the environment and cost to the citizens of Dunedin financially and their health and safety. 3. INFORMATIONAL ITEMS Commissioner Sandbergen commented regarding the lights at Pioneer Park and suggested consideration of extending all the way to Virginia and Main Street where they split, making that almost one continuous park and the area more appealing at night. Vice Mayor Gow advised the Marching Band received a Superior rating at their Music Performance Assessment. He noted the upcoming Celtic Festival on November 22 nd . Commissioner Dugard thanked City staff and his colleagues for the upcoming Social Connection Survey to be released to the community. The survey is an opportunity to learn about the citizenry relative to some of the challenges they face, especially with the mature population in the City which younger populations do not generally face. Mayor Freaney commented on the course of the Blue Jays over the past month to the 7th game of the World Series. She expressed pride in her colleagues, the City Manager, and City staff, as well as citizens and visitors to the City, many of them from Canada, who expressed how happy they were about the watch parties and that they happened to be in town at the time. She noted the approach of the 50 th year of Blue Jays Spring Training in Dunedin next year. Even with the loss, there was much that brought everyone together; it was a great season. She also related the great experiences she and Commissioner Sandbergen had in Toronto. City Manager Bramley concurred, commending City staff for everything they took on in relation to the Blue Jays and seeing the entire community coming together. She could not be more proud of the organization as a whole and the entire community. Also, thanks to the City Commission. Discussion ensued regarding the staff already working on plans for the 50 th Anniversary of the Blue Jays Spring Training in Dunedin, noting the economic importance to the City and anticipating an increase in visitors from Canada next year. 25-13

Workshop Minutes November 4, 2025 Dunedin City Commission City Manager Bramley Summary- Follow Up to the November 4, 2025, Workshop Schedule of values to the City Commission in regard to insurance . No more than a two-page report regarding the $3.5 Million Risk Fund Reserve level in terms of how the number was determined . Safety Committee communicating with Department Directors and the City Attorney in regard to some of the insurance claims . Frequency of the 2.5 foot plus tide at North Douglas and Baywood Shore and along the coast. Contact the County regarding the 36 " CMP clogs (will be done by Public Works). Ditch behind houses on the west side of Douglas that does not extend south to Mira Vista; follow up with the County regarding maintenance . Strategies regarding PFAS moving forward and the elimination and how the City can be active in that strategy. Operation Twinkle , the official name of the park lighting and consideration of an extension. ADJOURN MEETING The Workshop adjourned at 12:31 p.m. NOTE: The meeting was completely recorded, and the recording is in the official file. Acting City Clerk Maureen "Moe" Freaney Mayor 25-14

1. PRESENTATIONS 2. WORKSHOP ITEMS 2.a Discussion of the City's Risk Management Program 2.b North Douglas and Baywood Shores Update 2.c Pinellas County Regional Resource Recovery Facility (RRRF) Overview. 3. INFORMATIONAL ITEMS NOTICE OF PUBLIC MEETING COMMISSION WORKSHOP DUNEDIN CITY HALL, 737 LOUDEN AVE NOVEMBER 4, 2025 9:00 AM AGENDA CALL TO ORDER PLEDGE OF ALLEGIANCE CITIZEN INPUT Commission to view a presentation by the City's Risk Management Consultant, and ask any questions regarding the City's Risk Management Program. EXHIBIT: A. Actuarial Dunedin 043025 Final 081625.pdf EXHIBIT: B. 2025-11-04 - Dunedin - GG Risk Services Presentation.pdf EXHIBIT: C. 2025-11-04 - Dunedin - P&C Program Summary 25-26.pdf Commission to receive updates regarding ongoing maintenance and staff efforts related to tidal and stormwater concerns in the North Douglas and Baywood Shores neighborhoods. EXHIBIT: SUPPLEMENT: A. Workshop Presentation.pdf Commission to receive an overview of the proposed Pinellas County Regional Resource Recovery Facility (RRRF). EXHIBIT: A. RRRF Presentation.pdf EXHIBIT: B. Tentative Project Schedule.pdf EXHIBIT: C. Pinellas County Preliminary Engineering Report (PER) - RRRF, (May 2025, Signed & Sealed 05-30-25).pdf ADJOURN MEETING Dunedin Public Participation & Decorum Rules Note: Please put cell phones and pagers on silent or vibrate during the meeting. This meeting is televised; therefore, you may appear on TV at any time. 1

Public Appearance: CITIZEN INPUT is for comments from members of the audience regarding items not listed on the agenda for this meeting (please give name and address and limit all comments to a maximum of three minutes). AS FOR ITEMS ON THE AGENDA individual speakers are limited to a maximum of three minutes. Representatives of groups consisting of 5 or more individuals who are present during the meeting may speak on behalf of the group for up to 10 minutes at the Chair's discretion. To do so, the individuals must have waived their time to the representative by providing their name and address on the back of the comment card. Public Hearings: During public hearings the Chair will open the agenda item to the public for comment. If you wish to comment come to the microphone at the podium and give your name and address for the record. Make all comments and queries to or through the Chair. This meeting is for agenda items only. Other issues should be presented to the City Manager or City Clerk for discussion at a future Commission meeting. Appeals: Per Florida Statute 286.0105 - If a person decides to appeal any decision made by the board, agency, or commission with respect to any matter considered at such meeting or hearing, he or she will need a record of the proceedings, and that, for such purpose, he or she may need to ensure that a verbatim record of the proceedings is made, which record includes the testimony and evidence upon which the appeal is to be based. Disability Provisions: It is the policy of the City of Dunedin not to discriminate against disabled persons in employment or the provisions of services. If you have a disability that requires accommodation, please notify the ADA Coordinator 48 hours prior to the scheduled meeting at (727) 298-3042. COPIES OF THIS AND ALL COMMISSION AGENDAS ARE AVAILABLE TO THE PUBLIC AT THE OFFICE OF THE CITY CLERK, 737 LOUDEN AVENUE, ON THE MONDAY PRIOR TO THE MEETING DATE. COPIES ARE ALSO AVAILABLE ON THE CITY’S WEBSITE AT WWW.DUNEDINGOV.COM. 2

>> MAYOR >> MAYOR FREANEY: >> MORNING, >> MORNING, EVERYONE, >> MORNING, EVERYONE, AND >> MORNING, EVERYONE, AND WELCOME >> MORNING, EVERYONE, AND WELCOME TO >> MORNING, EVERYONE, AND WELCOME TO THE EVERYONE, AND WELCOME TO THE NOVEMBER 4th, 2025, CITY NOVEMBER 4th, 2025, CITY COMMISSION WORKSHOP. COMMISSION WORKSHOP. CALLING THE MEETING TO ORDER. CALLING THE MEETING TO ORDER. AND I WILL START BY HAVING THE AND I WILL START BY HAVING THE PLEDGE OF ALLEGIANCE LED BY JEN, PLEDGE OF ALLEGIANCE LED BY JEN, OUR CITY ATTORNEY. OUR CITY ATTORNEY. [PLEDGE OF ALLEGIANCE] [PLEDGE OF ALLEGIANCE] >> AND NOW WE'RE GOING TO SING >> AND NOW WE'RE GOING TO SING >> AND NOW WE'RE GOING TO SING THE >> AND NOW WE'RE GOING TO SING THE TWO >> AND NOW WE'RE GOING TO SING THE TWO ANTHEMS, >> AND NOW WE'RE GOING TO SING THE TWO ANTHEMS, UNITED >> AND NOW WE'RE GOING TO SING THE TWO ANTHEMS, UNITED STATES THE TWO ANTHEMS, UNITED STATES AND CANADA. AND CANADA. NO. NO. [LAUGHTER] [LAUGHTER] WOW. WOW. WE HAVEN'T MET FOR TWO WEEKS, WE HAVEN'T MET FOR TWO WEEKS, AND IN TWO WEEKS ALL WE'VE DONE AND IN TWO WEEKS ALL WE'VE DONE IS IS IS TORONTO BLUE JAYS. IS TORONTO BLUE JAYS. ANYBODY HERE AT THE WATCH PARTY? ANYBODY HERE AT THE WATCH PARTY? THE OTHER NIGHT? THE OTHER NIGHT? YEAH. YEAH. ANYBODY CRY? ANYBODY CRY? [LAUGHTER] [LAUGHTER] I DID. I DID. OH, THAT WAS TOUGH. OH, THAT WAS TOUGH. THAT WAS TOUGH, BUT WE LOVE OUR THAT WAS TOUGH, BUT WE LOVE OUR BLUE JAYS. BLUE JAYS. OKAY. OKAY. WE'RE GOING TO GO AHEAD AND, WE WE'RE GOING TO GO AHEAD AND, WE HAVE NO PRESENTATIONS. HAVE NO PRESENTATIONS. SO WE'RE GOING TO DO CITIZEN SO WE'RE GOING TO DO CITIZEN INPUT, SO DOES ANYONE IN THE INPUT, SO DOES ANYONE IN THE AUDIENCE HAVE ANYTHING THAT IS AUDIENCE HAVE ANYTHING THAT IS NOT ON THE AGENDA THEY WISH TO NOT ON THE AGENDA THEY WISH TO COME FORWARD AND TALK ABOUT. COME FORWARD AND TALK ABOUT. OKAY, SEEING NO ONE, I'LL CLOSE OKAY, SEEING NO ONE, I'LL CLOSE CITIZEN INPUT. CITIZEN INPUT. WE'LL GO TO WORKSHOP ITEMS, AND WE'LL GO TO WORKSHOP ITEMS, AND LET ME SEE, CAN I GET MORE LET ME SEE, CAN I GET MORE FASCINATING THAN GOING FROM FASCINATING THAN GOING FROM BASKETBALL TO 61-PAGE AUDIT BASKETBALL TO 61-PAGE AUDIT REPORTS ON RISK MANAGEMENT REPORTS ON RISK MANAGEMENT PROGRAMS, YOU KNOW? PROGRAMS, YOU KNOW? BUT THAT'S THE JOB, GUYS, THAT'S BUT THAT'S THE JOB, GUYS, THAT'S THE JOB. THE JOB. WE'RE GOING TO TURN IT OVER TO WE'RE GOING TO TURN IT OVER TO THERESA Y GUESS TO START THIS THERESA Y GUESS TO START THIS OFF. OFF. >> GOOD MORNING, MAYOR, VICE >> GOOD MORNING, MAYOR, VICE >> GOOD MORNING, MAYOR, VICE MAYOR, >> GOOD MORNING, MAYOR, VICE MAYOR, COMMISSION. MAYOR, COMMISSION. THERESA SMALLING, DIRECTOR OF HR THERESA SMALLING, DIRECTOR OF HR AND RISK MANAGEMENT AND THE AND RISK MANAGEMENT AND THE CITY'S RISK MANAGER. CITY'S RISK MANAGER. YOU MAY REMEMBER AT OUR BUDGET YOU MAY REMEMBER AT OUR BUDGET WORKSHOP THERE WERE QUESTIONS WORKSHOP THERE WERE QUESTIONS ABOUT THE CITY'S INSURANCE AND ABOUT THE CITY'S INSURANCE AND RISK MANAGEMENT PROGRAM, SO WIH RISK MANAGEMENT PROGRAM, SO WIH CITY DIRECTION, I HAVE INVITED CITY DIRECTION, I HAVE INVITED OUR CONSULTANTS FROM THE GEHRING OUR CONSULTANTS FROM THE GEHRING GROUP, WHICH IS A RISK GROUP, WHICH IS A RISK STRATEGIES COMPANY AND NOW ALSO STRATEGIES COMPANY AND NOW ALSO PART OF THE BROWN AND BROWN PART OF THE BROWN AND BROWN TEAM. TEAM. THEY ARE THE CITY'S CURRENT THEY ARE THE CITY'S CURRENT BROKER OF RECORD AND ALSO SERVES BROKER OF RECORD AND ALSO SERVES AS OUR RISK MANAGEMENT AS OUR RISK MANAGEMENT CONSULTANT. CONSULTANT. BEFORE I TURN IT OVER TO THEM, I BEFORE I TURN IT OVER TO THEM, I JUST WANTED TO MAKE A FEW JUST WANTED TO MAKE A FEW COMMENTS. COMMENTS. THE RISK MANAGEMENT SIDE IS VERY THE RISK MANAGEMENT SIDE IS VERY VALUABLE TO OUR DEPARTMENT, AND VALUABLE TO OUR DEPARTMENT, AND TO THE CITY BECAUSE WE ARE HR, TO THE CITY BECAUSE WE ARE HR, AND RISK MANAGEMENT IS A SMALL AND RISK MANAGEMENT IS A SMALL DEPARTMENT. DEPARTMENT. WE HAVE TWO MEMBERS OF STAFF WE HAVE TWO MEMBERS OF STAFF THAT ACTUALLY WORK ON THE RISK THAT ACTUALLY WORK ON THE RISK MANAGEMENT SIDE OF THE HOUSE. MANAGEMENT SIDE OF THE HOUSE. AND AS WE HAVE SEEN LAST YEAR AND AS WE HAVE SEEN LAST YEAR ESPECIALLY WITH OUR STORMS, ESPECIALLY WITH OUR STORMS, THERE ARE BESIDES THE DAY-TO-DAY THERE ARE BESIDES THE DAY-TO-DAY WORKERS COMP INSURANCE CLAIMS, WORKERS COMP INSURANCE CLAIMS, THERE ARE A NUMBER OF THERE ARE A NUMBER OF MANAGEMENT ISSUES THAT I AS EVEN MANAGEMENT ISSUES THAT I AS EVEN WITH ALL MY YEARS OF EXPERIENCE WITH ALL MY YEARS OF EXPERIENCE DO NOT HAVE THE COMFORT LEVEL OF DO NOT HAVE THE COMFORT LEVEL OF RISK MANAGEMENT EXPERIENCE. RISK MANAGEMENT EXPERIENCE. SO THAT IS WHY THE CITY DOES SO THAT IS WHY THE CITY DOES HAVE CONSULTING FIRM AND AND THE HAVE CONSULTING FIRM AND AND THE GEHRING GROUP WHICH HAS BEEN GEHRING GROUP WHICH HAS BEEN WITH US I THINK SINCE 2007ISH, WITH US I THINK SINCE 2007ISH, THEY HAVE PROVEN THEMSELVES OVER THEY HAVE PROVEN THEMSELVES OVER AND OVER WITH US TODAY IS RAY AND OVER WITH US TODAY IS RAY CARTER. CARTER. HE IS THE, OUR SENIOR HE IS THE, OUR SENIOR CONSULTANT. CONSULTANT. HE IS OUR DAY-TO-DAY RISK HE IS OUR DAY-TO-DAY RISK MANAGEMENT CONSULTANT, AND HE IS MANAGEMENT CONSULTANT, AND HE IS A FORMER RISK MANAGEMENT FOR A FORMER RISK MANAGEMENT FOR MANATEE COUNTY, SO HE HELPS WITH MANATEE COUNTY, SO HE HELPS WITH THE MORE SERIOUS ISSUES, THE MORE SERIOUS ISSUES, CLAIMS,. CLAIMS,. HE WORKS WITH THE THIRD PARTY HE WORKS WITH THE THIRD PARTY ADMINISTRATOR THAT HELPS WITH ADMINISTRATOR THAT HELPS WITH WORKERS' COMP AND LIABILITY WORKERS' COMP AND LIABILITY CLAIMS AS WELL AS THE CITY -- CLAIMS AS WELL AS THE CITY -- CITY ATTORNEY'S OFFICE AND ALSO CITY ATTORNEY'S OFFICE AND ALSO CITY MANAGER. CITY MANAGER. SO I ALSO WANT TO INTRODUCE RAMI SO I ALSO WANT TO INTRODUCE RAMI WHO IS OUR SENIOR CONSULTANT. WHO IS OUR SENIOR CONSULTANT. SHE HELPS WITH THE ANNUAL SHE HELPS WITH THE ANNUAL RENEWALS. RENEWALS. SHE HELPS, HELPING ME TO SHE HELPS, HELPING ME TO NAVIGATE CONTRACT, THE INSURANCE NAVIGATE CONTRACT, THE INSURANCE LANGUAGE IN SOME OF THE LANGUAGE IN SOME OF THE CONTRACTS THAT THE CITY HAS, AND CONTRACTS THAT THE CITY HAS, AND THEY ARE A WELT OF INFORMATION. THEY ARE A WELT OF INFORMATION. SO WITHOUT FURTHER ADO, I'M SO WITHOUT FURTHER ADO, I'M GOING TO GO AHEAD AND TURN IT GOING TO GO AHEAD AND TURN IT OVER TO THEM. OVER TO THEM. THEY HAVE A BRIEF PRESENTATION, THEY HAVE A BRIEF PRESENTATION, AND THEN THEY'LL TAKE ANY AND THEN THEY'LL TAKE ANY QUESTIONS. QUESTIONS. >> SORRY, JUST TRYING TO GET THE >> SORRY, JUST TRYING TO GET THE >> SORRY, JUST TRYING TO GET THE SLIDES >> SORRY, JUST TRYING TO GET THE SLIDES HERE >> SORRY, JUST TRYING TO GET THE SLIDES HERE RIGHT. SLIDES HERE RIGHT. SO I'LL GO AHEAD AND START OUT SO I'LL GO AHEAD AND START OUT BECAUSE I THINK WE HAVE TO LEAVE BECAUSE I THINK WE HAVE TO LEAVE MOAB HEAR OF IT TO -- MORE OF IT MOAB HEAR OF IT TO -- MORE OF IT TO RAY TO TALK AROUND SOME OF TO RAY TO TALK AROUND SOME OF THE RISK MANAGEMENT STRATEGY AND THE RISK MANAGEMENT STRATEGY AND THE CONSULTING PIECE. THE CONSULTING PIECE. SO I'M GOING TO TACKLE A FEW OF SO I'M GOING TO TACKLE A FEW OF THESE TEAM MEMBERS WHO ARE THESE TEAM MEMBERS WHO ARE DEDICATED TO THE CITY, GEHRING DEDICATED TO THE CITY, GEHRING GROUP BASICALLY ESTABLISHES A GROUP BASICALLY ESTABLISHES A TEAM FOR EACH ONE OF OUR TEAM FOR EACH ONE OF OUR CLIENTS, AND THESE INDIVIDUALS CLIENTS, AND THESE INDIVIDUALS ARE AT THERESA AND HER TEAM'S ARE AT THERESA AND HER TEAM'S DISPOSAL FOR ANY, YOU KNOW, DISPOSAL FOR ANY, YOU KNOW, SERVICE MATTER. SERVICE MATTER. AS THE RISK SERVICES CONSULTANT, AS THE RISK SERVICES CONSULTANT, TO THE CITY, ESSENTIALLY MY JOB TO THE CITY, ESSENTIALLY MY JOB IS TO HELP MAKE SURE THAT WE ARE IS TO HELP MAKE SURE THAT WE ARE PROPERLY AND ADEQUATELY EITHER PROPERLY AND ADEQUATELY EITHER PROCURING INSURANCE OR ASSISTING PROCURING INSURANCE OR ASSISTING RAY IN THEIR PROCESS WITH RISK RAY IN THEIR PROCESS WITH RISK TRANSFER. TRANSFER. SO WHAT THAT MEANS IS YOU KNOW SO WHAT THAT MEANS IS YOU KNOW MYSELF AS RAMI THE CONSULTANT I MYSELF AS RAMI THE CONSULTANT I LOOK AT ALL OF THE COVERAGE THAT LOOK AT ALL OF THE COVERAGE THAT THE CITY HAS TODAY. THE CITY HAS TODAY. WE DETERMINE BASED ON YOU KNOW WE DETERMINE BASED ON YOU KNOW FORWARD THINKING, POTENTIAL NEW FORWARD THINKING, POTENTIAL NEW ADDITIONS TO THE CITY IN TERMS ADDITIONS TO THE CITY IN TERMS OF OPERATIONS OR OFFERINGS TO OF OPERATIONS OR OFFERINGS TO THE PUBLIC, AND DETERMINE YOU THE PUBLIC, AND DETERMINE YOU KNOW WHAT POTENTIAL COVERAGE MAY KNOW WHAT POTENTIAL COVERAGE MAY SOME OF THE RISK THAT MAY BE SOME OF THE RISK THAT MAY BE ASSOCIATED WITH THOSE ASSOCIATED WITH THOSE ACTIVITIES. ACTIVITIES. MY JOB IS TO OVERSEE THE ACCOUNT MY JOB IS TO OVERSEE THE ACCOUNT EXECUTIVE THAT'S ASSIGNED TO THE EXECUTIVE THAT'S ASSIGNED TO THE CITY AS WELL, AND THAT ACCOUNT CITY AS WELL, AND THAT ACCOUNT EXECUTIVE IS ESSENTIALLY THE EXECUTIVE IS ESSENTIALLY THE INDIVIDUAL THAT THUREESE RAW AND INDIVIDUAL THAT THUREESE RAW AND SHERRY WORK WITH -- THERESA AND SHERRY WORK WITH -- THERESA AND SHERRY WORK WITH IN AGGREGATING SHERRY WORK WITH IN AGGREGATING WHATEVER DATA IS NEEDED TO WHATEVER DATA IS NEEDED TO PROCURE, RENEW, OR MARKET PROCURE, RENEW, OR MARKET PROGRAMS. PROGRAMS. SO ANGELA ALSO ASSISTS WITH SO ANGELA ALSO ASSISTS WITH THINGS LIKE GENERATING THINGS LIKE GENERATING CERTIFICATES OF INSURANCE FOR CERTIFICATES OF INSURANCE FOR THE CITY AS NEEDED, SOMETIMES THE CITY AS NEEDED, SOMETIMES THE COUNTY ASKS FOR THEM IF YOU THE COUNTY ASKS FOR THEM IF YOU HAVE ANY INTERLOCALS IF YOU'RE HAVE ANY INTERLOCALS IF YOU'RE SHARING THINGS, AS WELL AS OTHER SHARING THINGS, AS WELL AS OTHER VENDORS POTENTIALLY. VENDORS POTENTIALLY. SHE ALSO WORKS WITH THE CITY TO SHE ALSO WORKS WITH THE CITY TO PROCESS ENDORSEMENTS, SO ANY PROCESS ENDORSEMENTS, SO ANY CHANGES TO THE POLICY, WHETHER CHANGES TO THE POLICY, WHETHER YOU NEED TO ADD ASSETS, REMOVE YOU NEED TO ADD ASSETS, REMOVE ASSETS, CHANGE, YOU KNOW, MAYBE ASSETS, CHANGE, YOU KNOW, MAYBE A POTENTIAL VALUATION OF AN A POTENTIAL VALUATION OF AN ASSET. ASSET. AND THEN SHE DOES ALSO ASSIST AND THEN SHE DOES ALSO ASSIST WITH BILLING AND INVOICING, OUR WITH BILLING AND INVOICING, OUR OFFICE DOES BILL AND INVOICE THE OFFICE DOES BILL AND INVOICE THE MAJORITY OF THE ANCILLARY MAJORITY OF THE ANCILLARY POLICIES THAT ARE PLACED OUTSIDE POLICIES THAT ARE PLACED OUTSIDE OF THE FLORIDA MUNICIPAL OF THE FLORIDA MUNICIPAL INSURANCE TRUST. INSURANCE TRUST. AND JUST TO TOUCH ON THAT, AND JUST TO TOUCH ON THAT, GEHRING GROUP HAS HAD A GEHRING GROUP HAS HAD A LONG-STANDING RELATIONSHIP AS LONG-STANDING RELATIONSHIP AS WELL WITH THE FLORIDA MUNICIPAL WELL WITH THE FLORIDA MUNICIPAL INSURANCE TRUST. INSURANCE TRUST. IT'S ONE OF THE LARGE GOVERNMENT IT'S ONE OF THE LARGE GOVERNMENT TRUSTS THAT DOES PROVIDE TRUSTS THAT DOES PROVIDE PROPERTY CASUALTY AND WORKERS PROPERTY CASUALTY AND WORKERS COMPENSATION INSURANCE TO COMPENSATION INSURANCE TO GOVERNMENT ENTITIES IN THE GOVERNMENT ENTITIES IN THE STATE. STATE. GEHRING GROUP DOES HAVE A GEHRING GROUP DOES HAVE A PRETTY, WE ENJOY A PRETTY GOOD PRETTY, WE ENJOY A PRETTY GOOD RELATIONSHIP WITH THE LEAGUE WHO RELATIONSHIP WITH THE LEAGUE WHO ADMINISTERS THE TRUST, AND WE ADMINISTERS THE TRUST, AND WE HAVE ACCESS TO THEIR HAVE ACCESS TO THEIR UNDERWRITERS AND ALSO WITH SOME UNDERWRITERS AND ALSO WITH SOME OF THEIR SENIOR LEADERSHIP IN OF THEIR SENIOR LEADERSHIP IN TERMS OF DEVELOPING AND THINKING TERMS OF DEVELOPING AND THINKING ABOUT WHAT PROGRAMS MAY BE ABOUT WHAT PROGRAMS MAY BE BENEFICIAL TO OUR MUTUAL CLIENT BENEFICIAL TO OUR MUTUAL CLIENT BASE GEHRING GROUP MOSTLY SERVES BASE GEHRING GROUP MOSTLY SERVES THE PUBLIC SECTOR, AND ON THE THE PUBLIC SECTOR, AND ON THE RISK SIDE I THINK WE'RE ALMOST RISK SIDE I THINK WE'RE ALMOST 100% PUBLIC SECTOR. 100% PUBLIC SECTOR. SO THIS IS OUR WHEELHOUSE. SO THIS IS OUR WHEELHOUSE. IN ADDITION TO MYSELF AND IN ADDITION TO MYSELF AND ANGELA, WE DO ALSO HAVE VALERIE ANGELA, WE DO ALSO HAVE VALERIE ENZINGER. ENZINGER. SHE IS AVAILABLE TO ASSIST WITH SHE IS AVAILABLE TO ASSIST WITH INDIVIDUAL CLAIMS. INDIVIDUAL CLAIMS. SO CLAIMS THAT MAY NEED TO BE SO CLAIMS THAT MAY NEED TO BE REPORTED TO THE EXCESS CARRIER REPORTED TO THE EXCESS CARRIER OR ONE OF THE OTHER CARRIERS OR ONE OF THE OTHER CARRIERS BASED UPON SOMETHING THAT MAY BASED UPON SOMETHING THAT MAY SURFACE THIRD PARTY LIABILITY, SURFACE THIRD PARTY LIABILITY, ET CETERA. ET CETERA. SO THOSE ARE KIND OF THE I LIKE SO THOSE ARE KIND OF THE I LIKE TO CALL IT WE'RE MORE LIKE THE TO CALL IT WE'RE MORE LIKE THE SERVICE TEAM AROUND THE SERVICE TEAM AROUND THE INSURANCE POLICIES, SOME OF WHAT INSURANCE POLICIES, SOME OF WHAT I DO ALSO EXTENDS TO RISK I DO ALSO EXTENDS TO RISK MANAGEMENT, BUT I'M GOING TO MANAGEMENT, BUT I'M GOING TO HAND IT OVER TO RAY TO TALK A HAND IT OVER TO RAY TO TALK A LITTLE BIT ABOUT WHAT HE DOES AS LITTLE BIT ABOUT WHAT HE DOES AS THERESA MENTIONED AS KIND OF THERESA MENTIONED AS KIND OF THAT DAY-TO-DAY POINT OF CONTACT THAT DAY-TO-DAY POINT OF CONTACT FOR HER TEAM AT THE CITY. FOR HER TEAM AT THE CITY. >> THANK YOU, RAMI FOR THAT AND >> THANK YOU, RAMI FOR THAT AND >> THANK YOU, RAMI FOR THAT AND I'LL >> THANK YOU, RAMI FOR THAT AND I'LL JUST >> THANK YOU, RAMI FOR THAT AND I'LL JUST TO >> THANK YOU, RAMI FOR THAT AND I'LL JUST TO FURTHER >> THANK YOU, RAMI FOR THAT AND I'LL JUST TO FURTHER TO I'LL JUST TO FURTHER TO THERESA'S INTRODUCTION FOR ME, THERESA'S INTRODUCTION FOR ME, I'M A STATISTICS AND MATHEMATICS I'M A STATISTICS AND MATHEMATICS MAJOR FROM THE UNIVERSITY OF MAJOR FROM THE UNIVERSITY OF FLORIDA, AND PRIOR TO COMING FLORIDA, AND PRIOR TO COMING HERE, I WAS AT MANATEE COUNTY, HERE, I WAS AT MANATEE COUNTY, WORKED UNDER THE COUNTY ATTORNEY WORKED UNDER THE COUNTY ATTORNEY THERE FOR THREE YEARS AS HIS THERE FOR THREE YEARS AS HIS MANATEE COUNTY'S DEDICATED RISK MANATEE COUNTY'S DEDICATED RISK MANAGER PRIOR TO THAT. MANAGER PRIOR TO THAT. I WAS 10 YEARS IN COLLIER COUNTY I WAS 10 YEARS IN COLLIER COUNTY AS MANAGER OF RISK FINANCE UNDER AS MANAGER OF RISK FINANCE UNDER MY MENTOR THERE, AND IN 2015, I MY MENTOR THERE, AND IN 2015, I CAME TO THE GEHRING GROUP, AND CAME TO THE GEHRING GROUP, AND MY FIRST CLIENT WAS RIGHT HERE MY FIRST CLIENT WAS RIGHT HERE IN DUNEDIN, SO I'VE BEEN ON THIS IN DUNEDIN, SO I'VE BEEN ON THIS ACCOUNT NOW IN MY 11th YEAR, ACCOUNT NOW IN MY 11th YEAR, AND I THINK WHEN I TALK ABOUT AND I THINK WHEN I TALK ABOUT RISK MANAGEMENT, WE'LL TALK A RISK MANAGEMENT, WE'LL TALK A LITTLE BIT ABOUT, YOU KNOW, LITTLE BIT ABOUT, YOU KNOW, SELF-INSURANCE, WHAT DOES IT SELF-INSURANCE, WHAT DOES IT MEAN, OUR SELF-INSURED PROGRAM MEAN, OUR SELF-INSURED PROGRAM THAT WE HAVE, IT ALL STARTS AND THAT WE HAVE, IT ALL STARTS AND ENDS WITH THE DOLLARS, SO BEING, ENDS WITH THE DOLLARS, SO BEING, I WON'T SAY I'M A STATISTICIAN I WON'T SAY I'M A STATISTICIAN BUT THAT'S KIND OF WHAT I LIKE BUT THAT'S KIND OF WHAT I LIKE TO DO, IN THE FIRST PRIORITY TO DO, IN THE FIRST PRIORITY WITH ANY PROGRAM IS TO ENSURE WITH ANY PROGRAM IS TO ENSURE THAT IT IS PREDICTABLE AS FAR AS THAT IT IS PREDICTABLE AS FAR AS THE COST, IT IS STABLE OVER THE COST, IT IS STABLE OVER TIME, WE LIKE IT TO BE STABLE TIME, WE LIKE IT TO BE STABLE NOT UP AND DOWN SWINGS THAT NOT UP AND DOWN SWINGS THAT MAKES IT EASY TO BUDGET, MAKES MAKES IT EASY TO BUDGET, MAKES IT EASY TO PROJECT, AND IT ALSO IT EASY TO PROJECT, AND IT ALSO IS AN INDICATION THAT THE IS AN INDICATION THAT THE PROGRAM IS RUNNING SMOOTHLY WHEN PROGRAM IS RUNNING SMOOTHLY WHEN YOU LOOK AT THE ACTUARIAL YOU LOOK AT THE ACTUARIAL REPORT. REPORT. YOU MIGHT'VE WONDERED WHY IN THE YOU MIGHT'VE WONDERED WHY IN THE WORLD DO WE PUT THAT IN THE WORLD DO WE PUT THAT IN THE REPORT TO TALK ABOUT. REPORT TO TALK ABOUT. IT'S NOT REALLY TO TALK ABOUT IT'S NOT REALLY TO TALK ABOUT BUT IT'S TO SHOW THAT THIS BUT IT'S TO SHOW THAT THIS PROGRAM IS STABLE, IT IS PROGRAM IS STABLE, IT IS PREDICTABLE, AND IT HAS BEEN PREDICTABLE, AND IT HAS BEEN THAT WAY FOR SUBSTANTIAL AMOUNT THAT WAY FOR SUBSTANTIAL AMOUNT OF TIME. OF TIME. SO THEN WE TALK A LITTLE BIT SO THEN WE TALK A LITTLE BIT ABOUT WELL, HOW DO WE DO THAT,% ABOUT WELL, HOW DO WE DO THAT,% HOW DO WE CONTROL THAT? HOW DO WE CONTROL THAT? WELL, WE METHODICALLY PLACE WELL, WE METHODICALLY PLACE INSURANCE BASED UPON THE PAST INSURANCE BASED UPON THE PAST LOSSES THAT WE SEE, BUT WE ALSO LOSSES THAT WE SEE, BUT WE ALSO WORK WITH CONTROLLING OUTSIDE WORK WITH CONTROLLING OUTSIDE FORCES, CONTRACTUAL RISK FORCES, CONTRACTUAL RISK TRANSFER, HOW DO WE GET THE TRANSFER, HOW DO WE GET THE TRANSFER THE RISK AWAY FROM THE TRANSFER THE RISK AWAY FROM THE CITY BECAUSE OF ALL THE VENDOR CITY BECAUSE OF ALL THE VENDOR PARTNERS WE DEPEND ON TO PROVIDE PARTNERS WE DEPEND ON TO PROVIDE THE SERVICES WITHIN THE THE SERVICES WITHIN THE COMMUNITY HERE. COMMUNITY HERE. BUT WE ALSO WANT TO MAKE SURE WE BUT WE ALSO WANT TO MAKE SURE WE KEEP OUR EMPLOYEES SAFE, THE KEEP OUR EMPLOYEES SAFE, THE SAFETY PIECE, THE TRAINING, THE SAFETY PIECE, THE TRAINING, THE SAFETY TRAINING, THE INSPECTIONS SAFETY TRAINING, THE INSPECTIONS ANNUALLY WE COME OUT AND GO TALK ANNUALLY WE COME OUT AND GO TALK WITH THE PEOPLE. WITH THE PEOPLE. YOU MAY HAVE SEEN ME, SOME OF YOU MAY HAVE SEEN ME, SOME OF YOU HAVE BEEN AWHILE, SEEN US YOU HAVE BEEN AWHILE, SEEN US WHEN WE COME AROUND, WE'RE NOT WHEN WE COME AROUND, WE'RE NOT LOOKING DIRECTLY FOR, YOU KNOW, LOOKING DIRECTLY FOR, YOU KNOW, OBVIOUS THINGS, BUT WE'RE HERE OBVIOUS THINGS, BUT WE'RE HERE TO TALK WITH THE PEOPLE TO BUILD TO TALK WITH THE PEOPLE TO BUILD THE CULTURE OF SAFETY. THE CULTURE OF SAFETY. AND THAT'S REALLY KIND OF WHAT AND THAT'S REALLY KIND OF WHAT WE DO WHEN WE COME OUT AND SPEAK WE DO WHEN WE COME OUT AND SPEAK TO THEM. TO THEM. OTHER THINGS THAT WE DO, WE OTHER THINGS THAT WE DO, WE TALKED ABOUT THE INSURANCE TALKED ABOUT THE INSURANCE REQUIREMENTS CONTRACTUAL RISK REQUIREMENTS CONTRACTUAL RISK TRANSFER. TRANSFER. THE PROPERTY AND CASUALTY WE THE PROPERTY AND CASUALTY WE TALK ABOUT THAT AS A PROGRAM TALK ABOUT THAT AS A PROGRAM REALLY YOU'VE GOT TWO COSTS WHEN REALLY YOU'VE GOT TWO COSTS WHEN IT COMES TO RISK MANAGEMENT IT COMES TO RISK MANAGEMENT PROGRAM. PROGRAM. THE PREMIUMS THAT WE PAY, RIGHT, THE PREMIUMS THAT WE PAY, RIGHT, AND WE LOOK TO GET A RETURN ON AND WE LOOK TO GET A RETURN ON INVESTMENT UBAN ROI ON THOSE INVESTMENT UBAN ROI ON THOSE PREMIUMS. PREMIUMS. SOMETIMES THEY COME BACK. SOMETIMES THEY COME BACK. BUT INSURANCE IS MEANT TO BUT INSURANCE IS MEANT TO PROTECT AGAINST CATASTROPHIC PROTECT AGAINST CATASTROPHIC LOSS. LOSS. IT'S NOT GOING TO BE SOMETHING IT'S NOT GOING TO BE SOMETHING THAT'S GOING TO PAY BACK IN TIME THAT'S GOING TO PAY BACK IN TIME BUT THINK ABOUT WHAT WE'VE DONE BUT THINK ABOUT WHAT WE'VE DONE HERE. HERE. WE HAD A WATER PLANT. WE HAD A WATER PLANT. WE HAD A FIRE, IMMEDIATELY WE HAD A FIRE, IMMEDIATELY ALMOST ABOUT THE TIME WE TOOK CO ALMOST ABOUT THE TIME WE TOOK CO ON THE BUILDING, $9 MILLION ON THE BUILDING, $9 MILLION CLAIM. CLAIM. INSURANCE PAYS OUT WHEN YOU LOOK INSURANCE PAYS OUT WHEN YOU LOOK AT THE PREMIUM WE PAID THAT AT THE PREMIUM WE PAID THAT PROBABLY PAID FOR THREE OR FOUR PROBABLY PAID FOR THREE OR FOUR YEARS OF PREMIUMS SO IT'S MEANT YEARS OF PREMIUMS SO IT'S MEANT WHAT IT WAS TO DO. WHAT IT WAS TO DO. IT GOT THE WATER BACK BECAUSE WE IT GOT THE WATER BACK BECAUSE WE HAVE PROBABLY THE BEST WATER IN HAVE PROBABLY THE BEST WATER IN THE AREA HERE. THE AREA HERE. ASK COCA-COLA THEY'LL TELL YOU ASK COCA-COLA THEY'LL TELL YOU THAT. THAT. BUT THE OTHER PIECE IS WE'VE HAD BUT THE OTHER PIECE IS WE'VE HAD A FEW STORMS THAT COME BY HERE. A FEW STORMS THAT COME BY HERE. WE'VE GOT SOME REPAIRS THAT ARE WE'VE GOT SOME REPAIRS THAT ARE OCCURRING RIGHT NOW DOWN AT THE OCCURRING RIGHT NOW DOWN AT THE MARINA, DOWN AT THE BOATHOUSE. MARINA, DOWN AT THE BOATHOUSE. AT THE HISTORIC CHAPEL THERE. AT THE HISTORIC CHAPEL THERE. THAT WAS PUT BACK, THAT WAS A THAT WAS PUT BACK, THAT WAS A TURN KEY PROGRAM IF I REMEMBER TURN KEY PROGRAM IF I REMEMBER RIGHT. RIGHT. AND THAT'S WHAT INSURANCE DOES. AND THAT'S WHAT INSURANCE DOES. IT REALLY BRINGS IN RESOURCES IT REALLY BRINGS IN RESOURCES THAT YOU MAY NOT HAVE OTHERWISE THAT YOU MAY NOT HAVE OTHERWISE HAD AT YOUR DISPOSAL. HAD AT YOUR DISPOSAL. SO IT'S REALLY IMPORTANT NOT SO IT'S REALLY IMPORTANT NOT ONLY TO LOOK AT THE ROI PREMIUM ONLY TO LOOK AT THE ROI PREMIUM VERSUS PAYOUT, BUT THE RESOURCES VERSUS PAYOUT, BUT THE RESOURCES THAT THEY CAN BRING TO BEAR THAT THEY CAN BRING TO BEAR QUICKLY IN THE EVENT OF A QUICKLY IN THE EVENT OF A CATASTROPHIC LOSS, AND I THINK CATASTROPHIC LOSS, AND I THINK THE QUICKLY PART IS IMPORTANT. THE QUICKLY PART IS IMPORTANT. IMMEDIATELY FOLLOWING A STORM IMMEDIATELY FOLLOWING A STORM THERE ARE TWO THINGS THAT WE DO. THERE ARE TWO THINGS THAT WE DO. THE FIRST ONE IS PRIMARY. THE FIRST ONE IS PRIMARY. WE CLOSE THE ENVELOPE OF THE WE CLOSE THE ENVELOPE OF THE BUILDING WE PROTECT IT FROM BUILDING WE PROTECT IT FROM FURTHER LOSS. FURTHER LOSS. THAT MEETS OUR DUTY TO THE THAT MEETS OUR DUTY TO THE POLICY, BUT IT ALSO MEETS YOUR POLICY, BUT IT ALSO MEETS YOUR DUTY TO MAKE SURE THAT WE GET DUTY TO MAKE SURE THAT WE GET THAT BUILDING BACK AS QUICK AS THAT BUILDING BACK AS QUICK AS POSSIBLE TO THE CONDITION IT WAS POSSIBLE TO THE CONDITION IT WAS BEFORE THE EVENT. BEFORE THE EVENT. SO I TALKED A LITTLE BIT ABOUT SO I TALKED A LITTLE BIT ABOUT SAFETY. SAFETY. TALKED A LITTLE BIT ABOUT TALKED A LITTLE BIT ABOUT PROPERTY AND CASUALTY, WORKERS PROPERTY AND CASUALTY, WORKERS COMP PROGRAM, WE TALKED ABOUT COMP PROGRAM, WE TALKED ABOUT THAT ONLY THAT OUR GREATEST THAT ONLY THAT OUR GREATEST RESOURCE IS OUR PEOPLE. RESOURCE IS OUR PEOPLE. AND WE ENSURE THAT WE TAKE THEM AND WE ENSURE THAT WE TAKE THEM HOME THE SAME WAY THAT THEY CAME HOME THE SAME WAY THAT THEY CAME TO WORK. TO WORK. IT'S SO CRITICAL, THE SAFETY IT'S SO CRITICAL, THE SAFETY PROGRAM, AND THAT BEGINS AND PROGRAM, AND THAT BEGINS AND ENDS WITH THE CULTURE FROM THE ENDS WITH THE CULTURE FROM THE VERY TOP OF THE ORGANIZATION, VERY TOP OF THE ORGANIZATION, FROM THE CITY MANAGER'S OFFICE FROM THE CITY MANAGER'S OFFICE ALL THE WAY DOWN TO THE ALL THE WAY DOWN TO THE PART-TIME OR VOLUNTEER PERSONS PART-TIME OR VOLUNTEER PERSONS THAT'S HELPING AT YOUR SPECIAL THAT'S HELPING AT YOUR SPECIAL EVENTS LIKE THE WATCH PARTY OUT EVENTS LIKE THE WATCH PARTY OUT AT THE FIELD, RIGHT? AT THE FIELD, RIGHT? THEY'RE ALL COVERED UNDER WORK THEY'RE ALL COVERED UNDER WORK COMP BUT THEY ALL HAVE TO HAVE COMP BUT THEY ALL HAVE TO HAVE THAT SAFETY CULTURE THAT SAYS THAT SAFETY CULTURE THAT SAYS YOU KNOW WHAT? YOU KNOW WHAT? I AM MY OWN RISK MANAGER AND I AM MY OWN RISK MANAGER AND WHEN YOU HAVE 300 OF THEM OUT WHEN YOU HAVE 300 OF THEM OUT THERE, THAT'S WHAT THEY ARE, THERE, THAT'S WHAT THEY ARE, THEY'RE THEIR OWN RISK MANAGERS THEY'RE THEIR OWN RISK MANAGERS TO PROTECT NOT ONLY THEMSELVES TO PROTECT NOT ONLY THEMSELVES BUT YOU AND THEIR FAMILIES TO BUT YOU AND THEIR FAMILIES TO MAKE SURE THEY GET HOME. MAKE SURE THEY GET HOME. STATUTORY COMPLIANCE, THERE'S A STATUTORY COMPLIANCE, THERE'S A HOST OF STATUTES THAT ARE HOST OF STATUTES THAT ARE APPLICABLE TO ANY INSURANCE APPLICABLE TO ANY INSURANCE PROGRAM OR SELF-INSURED PROGRAM PROGRAM OR SELF-INSURED PROGRAM THAT YOU WOULD HAVE, THE CITY OF THAT YOU WOULD HAVE, THE CITY OF DUNEDIN, YOU HAVE SEVEN 6828, DUNEDIN, YOU HAVE SEVEN 6828, WHICH IS YOUR LIABILITY PIECE. WHICH IS YOUR LIABILITY PIECE. WE CAN TALK ABOUT THAT A LITTLE WE CAN TALK ABOUT THAT A LITTLE BIT. BIT. IT LIMITS THE EXPOSURE IT LIMITS THE EXPOSURE FINANCIALLY THAT THE CITY MAY FINANCIALLY THAT THE CITY MAY HAVE, SHORT OF A CLAIMS BILL HAVE, SHORT OF A CLAIMS BILL THAT HAS TO BE SPONSORED BITE A THAT HAS TO BE SPONSORED BIT