
December 2011
ESQC
Completes Work;
Beginning the End of an Era

Patrick
Bennett
Vice President of Environment, Energy and Infrastructure |
|
Late in October, the
Environmental Quality Service Council (EQSC) met for the final time this year and adopted
its final report as required by the legislature. The EQSC is a study committee of the
legislature, composed of state senators and representatives, along with lay people from
various walks of life. This group studies many issues of concern to the legislature,
including providing recommendations for change in policy. Further, the EQSC has served as
a checkpoint for reports made by the Indiana Department of Environmental Management
(IDEM). |
Traditionally, the chair of the EQSC
has alternated each year between the House and Senate committee dealing with environmental
affairs. Senator Beverly Gard has been the Senate designee for her caucus since its
inception. In October, Senator Gard announced her intention not to seek re-election
making this past EQSC her last as its leader.
My audience will hopefully indulge me
in a few words of thanks to Senator Gard. For many years, I have worked as a lobbyist
primarily in the area of environmental affairs. Senator Gard has been a public servant her
constituents are proud of, and her leadership has made Indiana a better place
especially for environmental policy. In fact, the EQSC became a standing committee of the
legislature because of her insistence. A fresh airing of complex environmental issues is
now available to Hoosiers like never before.
On a personal note, Senator Gard has
been kind and supportive to my family in the most difficult of times. Many know that my
first wife passed away from cancer in 2008. Senator Gard offered words of encouragement to
my wife and me in addition to prayer. Later, as life moved to more pleasant times, she was
equally kind encouraging me to grow as a person, father and professional. Thank you
Senator. You will be missed.
The EQSC was tasked with studying Great
Lakes issues, IDEM program funding and air emissions from the distillation of mint grown
in Indiana. In addition, the group undertook the study of Solid Waste Management Districts
(SWMD).
Through the course of five meetings,
the council developed recommendations, adopting a report in late October. Regarding mint
distillation, IDEM is encouraged to work with the farming community to minimize regulatory
reporting while achieving legal requirements. The only other issue to be reported on was
Solid Waste Management Districts. Accountability and educational programs are at the heart
of the recommendations for the districts. The recommendations are:
1) As an instrument of state
government, continuous evaluation of SWMD is beneficial to their management. Annual
reporting by SWMD that includes detailed financial and programmatic information should be
required. Reports should be filed with IDEM and the Legislative Council in a form provided
by IDEM. Also, the legislature should re-evaluate the continued existence of SWMD every 10
years.
2) IC 13-21-3 should be amended to
reflect the clear instruction of the general assembly to prohibit solid waste management
districts from requiring permits on waste management activities, including those
activities not subject to federal or state regulation.
3) A primary function of SWMD should be
to educate the public on matters of solid waste management and disposal, including
recycling opportunities. IC 13-21-3 should be amended to require the function of education
by SWMD and to provide a minimum, uniform level of education.
4) The issue of funding and
expenditures of SWMD is complex. Numerous sources of funding are available to SWMD. These
sources include property tax, COIT, CAGIT and LOIT, among many others. The disparity among
the sources from which to draw leads to inequity in a now regionalized waste disposal
system. Surcharges and fees imposed by SWMD inappropriately impact and influence the
marketplace and should be reviewed in additional studies conducted in a timely manner. The
scope of funding for SWMD should be streamlined in an effort to eliminate disparity among
districts.
5) Indiana counties may determine that
their participation in a SWMD is not in the best interest of a county. IC 13-21-3 should
be amended to reflect the option of a county to decline to form or participate with a
SWMD.
Materials from the EQSC meetings, including the final report, can be found on the web at: http://www.in.gov/legislative/interim/committee/eqsc.html.
Keystone
Pipeline is Good for Indiana
The following
article was contributed by Maureen Ferguson, Executive Director of the Indiana Petroleum
Council. Maureen may be reached at 317-639-2588 or fergusonm@api.org.
| Indiana and the
United State's economies are dependent upon reliable energy. Indiana has long been a
leader in the energy and transportation industries. Low-cost, reliable sources of energy
are critical to Indianas large and small businesses. Virtually every manufacturing
process uses petroleum products as lubricants, parts, molds or finished products. Across the state, companies are researching and developing new and
innovative energy processes and exciting technologies. Yet, we will continue to need new
sources of petroleum. World demand for oil is projected to |
|

Maureen Ferguson |
| grow
rapidly, with the largest increase coming from China, India and other developing nations.
The Energy Information Agency (EIA) predicts that the world will need an additional 64mmb
per day by 2030. |
The U.S. and Canada enjoy the largest
trading partnership across the longest peaceful border in the world. Sourcing more of our
energy from a friendly, democratic and North American neighbor will help reduce our
reliance on energy resources from less stable areas of the world.
Canada sends more than 99 percent of its oil
exports to the U.S. the bulk of which goes to Midwestern refineries for processing.
Oil from Canada is mainly transmitted to these refineries and other locations in the U.S.
through oil pipelines. The proposed Keystone XL Pipeline will join more than 20,000 miles
of pipeline that already crosses through the Ogallala Aquifer, more than 2,000 of which
are hazardous liquid pipelines. These pipelines have operated successfully for decades and
are the safest, most reliable way to transport crude oil.
The Keystone XL project has already
undergone more than 36 months of environmental scrutiny. The new pipeline will offer the
latest, most technologically-sound engineering, construction and monitoring.
Separately, the U.S. and Indiana need the new jobs that will be created if the Keystone
project is approved. The latest Canadian Energy Research Institute study projects that
employment in the U.S. (direct, indirect or induced) as a result of new oil sands
investments is expected to grow from 21,000 jobs in 2010 to 465,000 jobs in 2035. This
type of employment includes new and preserved jobs, and also consists of full- and
part-time jobs. For Indiana alone, this is projected to translate to $575 million and
8,000 jobs. For every one job created in Canada, two are created in the United States.
But the numbers about direct job creation
dont begin to tell the whole story. Employment at Caterpillar is a prime example of
the jobs and revenue created in Indiana by Canadian oil production. In addition to the
jobs created directly at Caterpillars facilities in Lafayette and Muncie to produce
oil in Canada, more than 70 Indiana companies supply components to the Caterpillar
facilities. Caterpillar reports more than 10,000 employees of Caterpillar, suppliers and
vendors located in Indiana benefit from its production.
Other countries are looking out for their
energy futures. The U.S. needs to as well.
Climate
Change: Impacts on Food Safety
The following
article was contributed by Susan Charles, a partner in Ice Miller LLP's Environmetal Law
Group. Susan may be reached at susan.charles@icemiller.com. Copyright
2011 Ice Miller LLP. All Rights Reserved.
The following
article appeared in the Summer 2011 issue of the American Bar Association's Natural
Resources and Environment publication.

Susan Charles |
|
Despite uncertainties in the rate and
geographic impacts of global climate change, several independent governmental studies
report that warming of the climate system is occurring and will continue. Climate change
will undoubtedly have effects on global agricultural production necessitating the
modification or adaptation of current agricultural practices. Two of the leading studies to reach this conclusion are the Fourth
Assessment Report (FAR) prepared by the Intergovernmental Panel on Climate Change (IPCC)
and an advisory report, Global Climate Change Impacts in the United States, produced under
the Federal Advisory Committee Act for the Subcommittee on Global Change Research and at
the request of the U.S. Government. |
| Global Climate Change
Impacts in the United States, Thomas R. Karl, Jerry M. Melilo, Thomas C. Peterson, David
M. Anderson (eds.), at 9, http://www.globalchange.gov/publications/reports (last
visited May 23, 2011). The IPCC is a scientific body that reviews and evaluates
scientific, technical and socio-economic information to analyze climate change. The IPCC
does not conduct any research and does not independently monitor climate-related data.
Rather, the role of the IPCC is generally understood as providing an assessment of current
knowledge on all aspects of climate change. At its first session, the IPCC was organized
into three "Working Groups." The Working Groups examine the scientific aspects
of the climate system and climate change (Working Group I), address vulnerabilities to,
impacts of and adaptations to climate change (Working Group II) and explore options for
mitigation of climate change (Working Group III). Three previous assessment reports were
produced in 1990, 1996 and 2001. The FAR is the fourth in this series of reports and
continues to assess scientific, technical and socio-economic information surrounding
climate change. The report is the largest and most comprehensive summary of climate change
to date and involves thousands of authors from dozens of countries. Climate Change
2007, Synthesis Report: Contribution of Working Groups I, II and III to the Fourth
Assessment Report of the Intergovernmental Panel on Climate Change, R.K. Pachauri, A.
Reisinger (eds.), at iii, http://www.ipcc.ch/publications_and_data/ar4/syr/en/contents.html
(last visited May 25, 2011). |
Anticipated impacts from
climate change include regional temperature shifts, increased frequency of heavy
precipitation, extended dry periods and extreme weather events. Most studies to evaluate
the impacts of climate change on agriculture predict that over the next century geographic
variations in climate change will produce both positive and negative impacts, depending on
a particular region's existing agricultural products and practices. Climate Change
2007: Contribution of Working Group II to the Fourth Assessment Report of the
Intergovernmental Panel on Climate Change, M.L. Parry, O.F. Canziani, J.P. Palutikof, P.J.
van der Linden, and C.E. Hanson (eds.), at 284, http://www.ipcc.ch/publications_and_data/ar4/wg2/en/contents.html
(last viewed May 25, 2011). These studies indicate that the potentially large
negative impacts in developing regions may be offset by some limited positive changes in
developed regions. The result, when aggregated, suggests that the overall impact on world
food production may be small, but it likely will affect global populations in
significantly different ways. For example, climate systems in developed regions are
anticipated to experience less severe shifts in temperature and precipitation than
developing regions, but those regions also have the technical capabilities and
socio-economic resources to adapt to climate change. In contrast, the most significant
changes in temperature and precipitation are expected to impact the poorest and most
vulnerable regions of the world, many of which lack the socio-political stability and
technological resources to adapt to these climatic shifts. As a result, already hungry
regions of the world are expected to be impacted negatively, and in some cases, severely.
This article examines current climate predictions and how climate shifts in various
regions may impact global agricultural production and food security. It concludes that
agricultural practices will need to be modified or adapted to correlate with anticipated
shifts in weather patterns if food security is to be maintained into the future. The
article concludes by discussing various adaptation efforts that could help to maintain
global food security in the face of evolving climate conditions.
Predicting Climate Change. Scientists use global climate models (GCMs) to
predict changes in climate. Climate models first simulate how the atmosphere, oceans, land
surface and ice interact and then project changes in temperature and precipitation over
large areas. To predict potential impacts from climate change, the most important drivers
for GCMs are the increasing concentrations of greenhouse gases (GHGs), including carbon
dioxide, methane, nitrous oxide and others in the atmosphere. Gerald R. North, Future
Climate of the Continental United States, 23 Choices (1st Quarter 2008), at 6, http://www.choicesmagazine.org/2008-1/theme/02.pdf (last visited May
25, 2011).
The results of climate change modeling and associated agricultural impacts typically are
presented and discussed in the context of large geographic regions. For example, local
mean temperatures are predicted to increase up to 1-3° Celsius (C) at "mid- to
high-latitudes." These temperature increases are predicted to result in a slight
increase in crop productivity based on estimates of how crop production typically
associated with that region responds to slight increases in temperature. In these regions,
land suitable for crop growth is predicted to expand, the length of the growing season
likely will increase and crop yields may rise as a result. Josef Schmidhuber &
Francesco N. Tubiello, Global Food Security Under Climate Change, 104 Proc.
Natl Acad. Sci. 19703, 19704 (2007), http://www.pnas.org/content/104/50
/19703.full.pdf (last visited May 25, 2011). In drier areas, by contrast, models
predict lower soil moisture levels and a resulting decrease in land suitable for crop
growth. At lower latitudes, especially seasonally dry and tropical regions, crop
productivity is projected to decrease even as a result of local temperature increases as
small as 1 - 2° C.
In the United States, expectations are that temperatures will be 3.0° C (5.40°
Fahrenheit (F)) warmer plus or minus 1.50° C (2.70° F). There are likely to be more heat
waves with more mid-latitude drying in the summer and an increased risk of prolonged
droughts. Shifts in precipitation patterns likely will vary. Current predictions are that
mid-latitude storms will track north, meaning the eastern United States likely will
experience increased precipitation. In contrast, the Southwest is likely to be much drier
as storm tracks move north. Most models also suggest that the current multi-year swings of
wet and dry periods will become more pronounced.
The predicted changes in climate and agricultural production will impact food security in
different ways. The Food and Agriculture Organization defines food security as a situation
that exists "when all people, at all times, have physical, social and economic access
to sufficient, safe and nutritious food that meets their dietary needs and food
preferences for an active and healthy life." United Nations Food and Agriculture
Organization, Climate Change and Food Security: A Framework Document 2008, at 3, http://www.fao.org/forestry/15538-079b31d45081fe9c3dbc6ff34de4807e4.pdf
(last visited May 25, 2011). Climate change will affect all four dimensions of food
security: availability, accessibility, utilization and stability.
Potential Impacts of Climate Change on Food Availability. Climate change
is expected to impact the production and availability of food in several complex ways. The
more obvious impact, the effect of changing weather patterns on the volume and quality of
food produced, will affect different populations differently based primarily on location.
In Africa, agricultural production, including access to food, is projected to be
"severely compromised" by climate variability and change. Current conditions in
Africa include semi-arid regions that make existing agricultural production challenging.
Climate change likely will reduce the length of the growing season and force large areas
of marginal agriculture out of production. Projected reductions in yield in some countries
could be as much as 50 percent by 2020, and crop net revenues could fall by as much as 90
percent by 2100. Small-scale farmers, who are responsible for the largest portion of
agricultural production in Africa, are expected to be affected the most. It is not
difficult to see that this would adversely affect food security on that continent.
In Asia, glacier melt in the Himalayas is projected to increase flooding and affect water
resources within the next two to three decades. This is expected to be followed by
decreased river flows as the glaciers recede. As a result, crop yields are projected to
increase up to 20 percent in East and South-East Asia but may decrease up to 30 percent in
Central and South Asia by the mid-21st century. Taken together and considering the
influence of rapid population growth and urbanization in this geographic region, the risk
of hunger is projected to remain very high.
For the United States, recent studies estimate that overall crop yield changes should be
positive, though regional differences will exist. See John M. Antle, Climate
Change and Agriculture: Economic Aspects, 23 Choices (1st Quarter 2008), at 9, http://www.choicesmagazine.org/2008-1/theme/03.pdf (last visited May
25, 2011). The Northeast, South and Southwest are expected to experience the smallest
increases in crop yields, with more significant increases experienced in the upper Midwest
and coastal Northwest. Like other developed regions of the world, the overall production
and availability of food within the United States is expected to remain fairly stable.
Potential Impacts of Climate Change on Food Access. Food access involves
the ability of individuals to acquire sufficient amounts of appropriate foods to meet
caloric and nutritional requirements. In other words, food access examines whether foods
that are capable of meeting an individual's nutritional needs are affordable. Here, again,
location will prove crucial.
Most food is not produced at individual households, but is acquired through purchase or
trade. As such, food prices are critical to consumers' food security. While the overall
volume of available food is expected to remain consistent, developing countries are
expected to experience a decrease in production. This shift is significant because food
production is the primary source of livelihood for 36 percent of the world's total
workforce. In the heavily populated countries of Asia and the Pacific, this number rises
to 40 to 50 percent, and in sub-Saharan Africa, two-thirds of the working population
currently make their living from agriculture. If predictions that climate change will
adversely affect agricultural production in the low-income developing countries of Asia
and Africa are correct, the livelihoods of large numbers of the rural poor will be put at
risk and their vulnerability to food insecurity increased.
Potential Impacts of Climate Change on Food Stability. To be food secure,
a population, household or individual needs consistent access to adequate food supplies.
The concept of food stability refers to the availability of and access to food. Climate
variability is an important factor in a stable food supply. For example, the predicted
increase in frequency and severity of extreme events such as floods and droughts can
create significant fluctuations in crop yields and local food supplies. In addition,
agricultural laborers and others who depend on agricultural wages in a region where
extreme weather events are increasing would be at a higher risk of losing their income
and, in turn, their ability to purchase food.
If predictions of increased climate fluctuation in semi-arid and sub-humid areas are
accurate, food production in these regions may be significantly reduced. While certain
regions of the United States and other developed countries have demonstrated an ability to
adapt to climate variability, most of the areas with predicted increases in climate
fluctuation, which are in developing areas of the world, do not currently have the
technology, experience or infrastructure to adapt quickly to extreme weather events. Thus,
the poorest regions with the highest levels of chronic undernourishment will be exposed to
the highest degree of instability in food production.
Potential Impacts of Climate Change on Food Utilization. The ability to
convert food into usable human energy addresses a population's access to clean water,
proper sanitation and appropriate health care. This highlights the importance of non-food
inputs in food security. It is not enough that someone is getting what appears to be an
adequate quantity of food if that person is unable to make use of the food because he or
she is consistently ill from a lack of sanitation infrastructure or adequate health care
opportunities.
Both acute and chronic illness have been associated with climate variability and climate
change. Looking specifically at health impacts associated with drought, studies have
identified increased mortality, malnutrition, infectious disease and respiratory disease.
Areas of drought often incur a reduction in overall food consumption, which can lead to
malnutrition. Malnutrition increases the risk both of acquiring an infectious disease and
of dying from it. Though not detailed here, the FAR also associates increased incidence of
winds, storms, floods and rising temperatures with negative, often severe, impacts on
human health.
The Need for Agricultural Practices Adapt to Climate Change. There are
generally two broad approaches for managing the impacts of climate change
mitigation and adaptation. Mitigation involves reducing net GHG emissions. In terms of
food security, adaptation involves learning to produce food under changing climate
conditions. Significantly, even if atmospheric concentrations of GHGs could be stabilized
(the first step in a mitigation solution), the impact of climate change on agricultural
production would not stabilize for some period of time after GHG levels come to
equilibrium. See Steven K. Rose & Bruce A. McCarl, Greenhouse Gas Emissions,
Stabilization and the Inevitability of Adaption: Challenges for U.S. Agriculture, 23
Choices (1st Quarter 2008), at 16, http://www.choicesmagazine.org/2008-1/theme/05.pdf. Adaptation
will therefore be critical if agriculture is to respond successfully to global climate
change.
The FAR defines adaptation as "the actions of adjusting practices, processes and
capital in response to the actuality or threat of climate change, as well as changes in
the decision environment, such as social and institutional structures and altered
technical options." Adaptation generally is divided into two categories: autonomous
adaptation and planned adaptation. Autonomous adaptation involves an individual farmer's
response to climate change based on his or her existing knowledge, available technology
and other resources. In contrast, planned adaptation refers to institutional (e.g.,
governmental) or policy actions that establish or strengthen conditions that will allow
for effective adaptation (e.g., subsidy programs and investment in research and
development).
Adaptation is nothing new to agriculture and is easily demonstrated by the successful
production of crops across varied climates within the United States. For example, current
agricultural practices acknowledge and depend on the fact that citrus crops in Florida
would not fare well if planted in the Midwestern Corn Belt and vice versa. These types of
production differences clearly illustrate the ability to adapt agricultural production to
various climate conditions. Appropriate local research and technological developments
could allow farmers to adapt to changing climate conditions.
Specific actions that could help agriculture adapt to climate change include shifts in
management practices, implementation of water conservation measures, and adoption of
technological improvements. Changes in management practices could include changing the
variety and/or species of crops to those more appropriate to changing temperatures and/or
to those with increased resistance to heat shock and drought. Farmers also could diversify
their businesses to include other farming activities, such as raising livestock. Other
examples include altering fertilizer rates to maintain grain or fruit quality consistent
with changing climate conditions and altering the timing or location of cropping
activities. In areas of increased precipitation, changes in water management practices may
be necessary to prevent waterlogging, erosion and nutrient leaching.
Adaptation also should include the implementation of water conservation measures including
the implementation of technologies to harvest water and to conserve soil
moisture (e.g., crop residue retention). Other technological developments could allow
farmers to improve the effectiveness of pest, disease and weed management practices
through the use of integrated pest and pathogen management. Technological advances also
permit the use of varieties and species of crops that are more resistant to pests and
diseases and allow farmers to use seasonal climate forecasting models to reduce production
risks. If widely adopted, these autonomous adaptations, singly or in combination, have the
potential to begin to offset negative climate change impacts and, of equal importance,
have the potential to take advantage of positive impacts of climate change.
Depending upon the severity of climate change impacts, autonomous adaptations may not be
sufficient or efficient enough to counteract negative effects of climate change. In these
cases, broader strategic measures may be needed. The FAR notes that effective planning and
capacity building for adaptation to climate change could include widespread education
efforts, research and development options and the development of large-scale governmental
policies for responding to climate change. Specifically, if the agricultural industry does
not respond to the threat of climate change, it will be important to educate farmers
through implementation of climate monitoring and effective communication of the results.
Monitoring could include impacts to pests, diseases and other factors directly impacted by
changes to climate. The best means to communicate this information to the agricultural
community include extension/training/outreach at the county-level, industry marketing
efforts or other localized training.
In addition, to adapt effectively, the agricultural sector may need more governmental and
private research to develop improved and innovative agricultural inputs and production
practices. Governments should consider developing or improving infrastructure (e.g.,
enhanced irrigation and efficient water use technologies) and implementing regulations to
insure appropriate transport and storage infrastructure. Government also could promote
efficient management of markets (for seed, fertilizer, labor, etc.) and offer necessary
financial services, including insurance.
Conclusions and Implications. Climate change will impact food security in
important and comprehensive ways. In terms of ensuring an adequate global food supply,
current research indicates that aggregate food production will remain relatively
consistent but regional differences will impose significant, and in some cases severe,
consequences. The need for the agricultural sector to adapt is clear, and the poorest and
most vulnerable populations are likely to need the greatest amount of assistance to adapt
effectively.
Current predictions are that changes in temperature and precipitation in regions with many
of the industrialized countries (such as the United States) will be less severe and will
have less of an impact on agricultural practices than regions such as sub-Saharan Africa
or Asia. For most industrialized countries, some adjustments in crop selection and
management may be necessary; but with appropriate forecasting and capital investments, the
agricultural industry should not undergo significant shifts. Similarly, developments in
agricultural technology should effectively anticipate needed adaptations of crops,
livestock, machinery and related capital equipment.
In contrast, agricultural production in developing countries is expected to be less able
to adapt to climate change due to limited financial and technical resources, and an
inadequate infrastructure and organized governmental response to natural disasters. The
absence of needed resources would be amplified by the anticipated greater impact that
climate change is expected to have in these countries. Poor communities tend to have more
limited adaptive capacities, and are more dependent on climate-sensitive resources, such
as local water and food supplies. The existence of climate change reinforces the already
compelling case that can be made for public sector investment in agricultural research and
outreach, for investment in physical infrastructure, and for strengthening institutions
that support agriculture and agricultural development.
This publication is intended for general information purposes only and does not and is
not intended to constitute legal advice. The reader should consult with legal counsel to
determine how laws or decisions discussed herein apply to the reader's specific
circumstances.
IMA
Meeting Calendar
2012 IMA Briefing & Reception
Jan. 17, 2012
JW Marriott Hotel, Downtown Indianapolis
OSHA Recordkeeping Course
Jan. 25, 2012
Online Webinar
10-Hour OSHA Voluntary Compliance Course
March 12-13, 2012
IMA Conference Center, Indianapolis
30-Hour OSHA Voluntary Compliance
Course
March 12-15, 2012
IMA Conference Center, Indianapolis
10-Hour OSHA Voluntary Compliance
Course
May 2-3, 2012
Fort Wayne
10-Hour OSHA Voluntary Compliance Course
June 4-5, 2012
IMA Conference Center, Indianapolis
30-Hour OSHA Voluntary Compliance Course
June 4-7, 2012
IMA Conference Center, Indianapolis
10-Hour OSHA Voluntary Compliance Course
August 7-8, 2012
IMA Conference Center, Indianapolis
10-Hour OSHA Voluntary Compliance
Course
Sept. 10-11, 2012
IMA Conference Center, Indianapolis
30-Hour OSHA Voluntary Compliance Course
Sept. 10-13, 2012
IMA Conference Center, Indianapolis
10-Hour OSHA Voluntary Compliance Course
Nov. 12-13, 2012
IMA Conference Center, Indianapolis
30-Hour OSHA Voluntary Compliance Course
Nov. 12-15, 2012
IMA Conference Center, Indianapolis
10-Hour OSHA Voluntary Compliance Course
Dec. 11-12, 2012
IMA Conference Center, Indianapolis
To register for any IMA conference, click
the link and register online; or contact IMA at 317-632-2474, ext. 237 or 800-462-7762,
ext. 237. Additional information is available by contacting Angie Glass at the above
numbers or at aglass@imaweb.com.
Environment & Energy Forum
is published quarterly by the
Indiana Manufacturers Association,
One American Square,
Suite 2400, Box 82012 , Indianapolis , IN 46282
Phone: 317-632-2474 Toll
Free: 800-462-7762 Fax:
317-231-2320
IMA Web Site: www.imaweb.com
Editorial Layout: Charlene Hickey, chickey@imaweb.com |