The Nail, May, 2013

May, 2013 l The NAIL 1

2 The NAIL l May, 2013

The offi cial magazine ofHome Builders Association

of Middle Tennessee

PresidentJames Franks

Vice PresidentMichael Dillon

Secretary/TreasurerTrey Lewis

Executive Vice PresidentJohn Sheley

Editor and DesignerJim Argo

StaffConnie NicleyPat Newsome

THE NAIL is published monthly by theHome Builders Association of MiddleTennessee, a non-profi t trade associationdedicated to promoting the Americandream of homeownership to all residents ofMiddle Tennessee.

SUBMISSIONS: THE NAIL welcomesmanuscripts and photos related to theMiddle Tennessee housing industry forpublication. Editor reserves the right toedit due to content and space limitations.

POSTMASTER: Please send addresschanges to: HBAMT, 9007 OverlookBoulevard, Brentwood, TN 37027.Phone: (615) 377-1055.

THE

NAIL


FEATURES

6May is National Remodeling

Month!If you’ve been planning a remodeling job at your home this is the month to

fi nally get started!

82013 Fishing Tournaments

off to a fast startHBAMT’s top fi shermen got 2013’s

Piedmont Natural Gas fi shing tournaments off to a strong start at

Four Corners Marina.

DEPARTMENTS

4News & Information

13SPIKE Club Report

14May Calendar

14Chapters and Councils

ON THE COVER:May is National Home Remodeling Month. Learn more about tackling your next home

project on page six (6) of this issue.


Sales of newly built, single-family homes rose 1.5 percent to a seasonally adjusted annual rate of 417,000 units in March,

according to newly released fi gures from HUD and the U.S. Census Bureau.

“This is the second-best sales number we’ve seen since early 2010, and a good sign of the continued, gradual headway that our industry is making toward recovery as more buyers jump off the fence in time to take advantage of today’s low interest rates and prices,” said Rick Judson, chairman of the Na-tional Association of Home Builders (NAHB) and a home builder from Charlotte, N.C.

“The latest sales report is right in line with our forecast for continued, modest increases in home prices and sales through 2013,” said NAHB Chief Economist David Crowe. “At this point, we are about half-way back to what would be considered a ‘normal’ level of sales activity as challenges related to supplies of credit, building materials, lots and labor are slowing the pace at which builders can build and sell new homes.”

Regionally, new-home sales activity was mixed in March, with the Northeast and South posting double-digit increases and the Mid-west and West posting corresponding declines. Sales gained 20.6 percent in the Northeast and 19.4 percent in the South, while falling 12.1 percent in the Midwest and 20.9 percent in the West.

The inventory of new homes for sale held virtually unchanged at just 151,000 units in March, which amounts to a 4.4-month supply at the current sales pace.

New home sales rise 1.5 per-cent in March

NEWS&INFO

Stefan Peter-Contesse (standing) and Nathan Terry of E3 Innovate delivered a presentation titled “The Battle of the Sealed Crawlspace in the Southeast” at the Green Building Council’s April meeting. Special thanks to E3 Innovate for sponsoring the meeting.

Metro/Nashville Chapter President John Whitaker (left) welcomed Metro Planning Director Rick Bernhardt to the chapter’s April meeting at the HBAMT. Bernhardt discussed “Nashville Next,” an update of the 25-year plan for the growth and development of Nashville.

Secretary/Treasurer and Membership Commit-tee Chairman Trey Lewis (standing) wel-comes new members to the association during the latest orientation at the HBAMT offi ces.

This is the second-best sales number seen since 2010 and a good sign of the headway our industry is making toward recovery.


Buoyed by rising home prices through-out much of the nation, both sin-gle-family and multifamily housing

starts are expected to post double-digit gains over last year in 2013. However, headwinds continue to hold back even stronger growth as the housing recovery evolves, according to economists at NAHB’s Spring 2013 Con-struction Forecast Conference Webinar.

“The broadening housing expansion is evidenced by the NAHB/First American Im-proving Markets Index, which now lists 273 metros areas out of a universe of 361, or three-quarters of the metropolitan areas in the U.S.,” said NAHB Chief Economist David Crowe.

The recent surge is almost all due to im-provements in house prices across a broader number of markets, he added. Home price increases became more solid and consistent in 2012, and the latest data shows a nearly 6 percent annual rate of home price appreciation on a national basis.

Growth in the housing sector is rising at a much faster pace than the overall economy during this phase of the recovery, Crowe add-

ed. The residential fi xed investment compo-nent of GDP was up 17.5 percent in the fourth quarter of 2012 whereas total economic out-put only registered a 0.4 percent gain.

As demand for housing gradually picks up steam, supply chains for building materials, developed lots and skilled workers will take some time to re-establish themselves in the aftermath of the Great Recession.

Meanwhile, builders are feeling pinched by rising costs of key building components (pric-es of gypsum, softwood lumber and concrete are all above 90 percent of their housing boom peak), which is causing home construction costs to rise at a faster pace than appraised values, Crowe said.

Moreover, ongoing diffi culties in obtaining construction credit, overly restrictive mort-gage lending rules and uncertainty in Wash-ington regarding the future of housing fi nan-cial regulations and housing tax incentives, including the mortgage interest deduction and Low Income Housing Tax Credit, threaten to dampen consumer confi dence and future housing demand.

Setting the 2000 to 2003 period before the

housing boom as a time of normal residential building production, Crowe said that residen-tial remodeling has returned to previously normal levels of the early 2000s and that re-modeling activity is expected to register a 2.2 percent gain this year over 2012.

Meanwhile, NAHB’s Multifamily Pro-duction Index, a leading indicator for the multifamily market, has jumped 38 points in the past four years and now stands at 54. For the past three quarters, the index has been above the critical tipping point of 50, where a reading of 50 means that an equal number of builders view conditions in the multifamily market as good and bad.

Multifamily starts are expected to rise to 334,000 units in 2013, up 35 percent from last year’s 247,000 level, bringing production back to the baseline level that is needed to keep the supply in balance with demand. Mul-tifamily starts are anticipated to rise an addi-tional 5 percent next year to 349,000 units.

The single-family market, which must make up the most ground to return to its 2000-2003 level of normal production (1.3 million units), continues to make steady gains. NAHB is forecasting 672,000 single-family housing starts in 2013, up 23 percent from the 534,000 units recorded last year. Single-family pro-duction is expected to rise an additional 28 percent in 2014, (continued on page eleven)

Housing recovery continues but headwinds remain

Facing increasing costs for building mate-rials and rising concerns about the supply of developed lots and labor, builders reg-

istered less confi dence in the market for newly built, single-family homes in April, with a two-point drop to 42 on the National Association of Home Builders/Wells Fargo Housing Market Index (HMI), released today.

“Many builders are expressing frustration over being unable to respond to the rising de-mand for new homes due to diffi culties in obtaining construction credit, overly restric-tive mortgage lending rules and construction costs that are increasing at a faster pace than appraised values,” said Rick Judson, NAHB Chairman. “While sales conditions are general-ly improving, these challenges are holding back new building and job creation.”

“Supply chains for building materials, de-veloped lots and skilled workers will take some time to re-establish themselves following the recession, and in the meantime builders are feeling squeezed by higher costs and limited

availability issues,” explained NAHB Chief Economist David Crowe. “That said, builders’ outlook for the next six months has improved due to the low inventory of for-sale homes,

rock bottom mortgage rates and rising consum-er confi dence.”

Derived from a monthly survey that NAHB has been conducting for 25 years, the NAHB/Wells Fargo Housing Market Index gauges builder perceptions of current single-family

home sales and sales expectations for the next six months as “good,” “fair” or “poor.” The sur-vey also asks builders to rate traffi c of prospec-tive buyers as “high to very high,” “average” or “low to very low.” Scores for each component are then used to calculate a seasonally adjusted index where any number over 50 indicates that more builders view conditions as good than poor.

While the HMI component gauging current sales conditions declined two points to 45 and the component gauging buyer traffi c declined four points to 30 in April, the component gaug-ing sales expectations in the next six months posted a three-point gain to 53 – its highest lev-el since February of 2007.

Looking at three-month moving averages for regional HMI scores, the Northeast was un-changed at 38 in April while the Midwest reg-istered a two-point decline to 45, the South reg-istered a four-point decline to 42 and the West posted a three-point decline to 55.

Editor’s Note: The NAHB/Wells Fargo Hous-ing Market Index is strictly the product of NAHB Economics, and is not seen or infl uenced by any outside party prior to being released to the pub-lic. HMI tables can be found at nahb.org/hmi. More information on housing statistics is also available at housingeconomics.com. n

Rising costs put squeeze on builder confi dence in April


The home building industry celebrates National Remodeling Month in May, but remodeling is popular year-round, and the industry is growing every

year. According to HUD and the U.S. Census Bureau, home owner do-it-yourself (DIY) projects accounted for 37 percent of all home remodeling projects performed nationwide from 2010-2011. While most professional remodelers understand that home owners will do some of their own home repairs or small renovations, after repairing many a DIY gone awry they overwhelmingly believe that many jobs should be left to the pros.

The desire among home owners to tackle repair and remodeling projects has risen with the popularity of Pinterest and design blogs and the prevalence of home improvement stores. Before attempting to recreate the gor-geous bathroom from your Pinterest board in your own home, consider the following before sinking your resources into the project.

SafetyWithout the proper training and preparation, a DIYer can and has landed in the emer-gency room. Unfamiliarity with new tools and techniques can lead to life-threatening accidents. Follow product directions and safety procedures and always use proper safety equipment.

A good rule of thumb for any home owner is to avoid projects that require a license. Vet-eran remodelers advise against doing electrical or plumbing work on your own and avoid making structural changes to walls, roofs and fl oors. You run the risk of compromising the structural integrity of your home and having a large hole in your roof or fl oor. Leave this work in the hands of professionals with the proper training.

Even projects that appear simple like laying fl oor tile can result in you stubbing your toes every time you are in that room if improperly installed.

TimeDIYers often tackle larger projects than they can handle before the holidays so that visiting family can enjoy the updates. But when some-thing goes wrong, there is no one to hold to the deadline. Hiring a professional will ensure that you have a contract with a completion date and that the remodeler will bring in whatever help is necessary to get the job fi nished on time.

Even professional remodelers sometimes need extra time on projects when they fi nd surprises behind walls. Troubleshooting these

issues often takes more time and expertise than originally planned. If timing is a priority for your weekend warrior, call a professional remodeler to get your project completed.

CostPurchasing new tools is exciting but consider the price of all the specialty tools used for a one-time project when they are sitting un-touched in your garage for a few years.

Additionally, many of the products pur-chased for the DIY market, although desig-nated by a name brand, are not always the same quality available to contractors. It is also important to verify the terms of the product warranty. Many warranties become void by improper installation.

Robert Criner, GMR, CAPS, CGP of Criner Remodeling in Yorktown, Va. cautions all motivated DIYers, “Does it really pay to do the job twice when you can pay a professional to do it once?”

There are some home projects that profes-sional remodelers believe can be tackled by determined DIYers such as hanging pictures, interior painting, caulking, changing door knobs and cabinet pulls, and some aesthetic work (depending on skill level) such as install-ing crown molding. Just consider the safety risks, time and cost involved in a DIY project of any size.

Still think you can tackle a big remodeling project? Just remember, DIY projects should be fun and suit your skill level. If they’re not, then consider hiring a professional.

For information about hiring a remodeler, contact the Home Builders Association of Middle Tennessee (HBAMT) at (615) 377-1055, or go to www.hbamt.org. Search the Directory of Professional Remodelers (www.nahb.org/remodelerdirectory) to fi nd a pro-fessional remodeler in your area. Visit www.nahb.org/remodel for more information on remodeling. n

Weigh options before doing it yourself this May

Home owners considering planning to stay in their home should know about remodeling projects that increase the

home’s usefulness and make it better to live in. A 2012 National Association of Home Builders (NAHB) survey of remodelers found the fol-lowing fi ve most common remodeling jobs.

Housing market data reveals that small, smart remodels reward home owners with better return on investment and can help update and custom-ize a home. Review these top fi ve remodeling projects and begin planning to remodel during National Home Remodeling Month.

1.Remodel the bathroomPayback on remodeling a bathroom can reach 65 percent with new fi xtures, tile, toilet, vanity and lighting. Low fl ow toilets consumer less water and can decrease the monthly water bill.

2. Remodel the kitchenA minor kitchen remodel can improve the look and utility of the space without costing a bundle, and yields a 75 percent return. Consider replacing backsplashes, cabinet fronts, countertops, and fl ooring. Installing low-fl ow faucets and ener-gy-effi cient appliances can also reduce water and energy expenses in a heavily traffi cked room.

3. Replace windows and doorsUpdating windows can also return a solid

portion of the investment (73 percent for wood frames and 71 percent for vinyl). New, energy-effi cient doors and windows also help reduce energy leakage from the home and can bring down heating and cooling bills.

4. Repair property damageProperty damage is a common but unfortunate occurrence. Seize misfortune as an opportunity to customize and upgrade the home. If you are already going to be inconvenienced with major home repairs, take that time to plan and incorporate home remodeling that may have been put off in the past.

5. Whole house remodelingRepairs and replacements of old components and the desire for upgraded amenities were cited as the top reasons for customers to hire a remodeler. Evaluate the use of the entire home to see if it fi ts your needs. Home owners are repurposing spaces to fi t their families and making more effi cient use of their home’s square footage and equity, rather than moving to a new home and mortgage.

Smart remodeling projects for improving the home can make the home more comfortable for your lifestyle.

For more information about remodeling,visit www.nahb.org/remodel. n

Top 5 remodeling projects



HBAMT’s first Piedmont Natural Gas Fishing Tournament of the year was held April 23 at Four Corners Marina.

The return of the popular annual event drew over 40 fishermen to Percy Priest Lake to compete for the top score of the day.

Benchmark Construction’s Trey Bain and Nathan Vaughn started the year strong with a first place finish. Bain and Vaughn reeled in 14.66 lbs worth of catches.

Jim Ford and Mike Williams weighed in with 14.57 lbs worth of catches to earn second place honors for the Triton Stone boat. The duo also took home the “Big Fish” award for a catch tipping the scales at 6.80 lbs.

And John Bornstein and David Gnewikow reeled in 14.24 lbs worth of catches to secure third place honors.

Next stop: Tues, May 21 at Bull Creek Mari-na. Registration form on page thirteen. n

Top anglers cast away!Company Boat Fisherman Wt.

Benchmark Construction Trey Bain & Nathan Vaughn 14.66

Triton Stone Jim Ford & Mike Williams 14.57

McKenzie Construction John Bornstein & David Gnewikow 14.24

CPS Land, LLC Danny Hankins & Mark Snead 14.20

Greater Dickson Gas Jack Nichols & Michael Story 12.72

American Heating & Cooling Kevin Israel & Todd Spann 12.22

Chris Rogers Construction Chris Rogers & Zach Taylor 12.03

Piedmont Natural Gas Matt Brown & Tim Cunningham 11.72

Joe Haas Construction Joe Haas & Rusty Rust 11.13

Beacon Technology Karl Burr & Mylan Burr 11.06

Earhart, Inc. Bobby Colson & Jody Earhart 10.47

Piedmont Natural Gas Robert E. Lee & Shane Williams 8.24

Piedmont Natural Gas Gerald Griffin & Carl O’Neal 6.75

First Piedmont Natural Gas Fishing Tournament of 2013 held at Four Corners Marina.

Nathan Vaughn (left) and Trey Bain (right) took home first place honors for the Benchmark Construction boat.


Jim Ford (right) and Mike Williams (not shown) earned second place honors for the Triton Stone boat. Ford (at right with fish) and Williams also took home the “Big Fish” award for landing the biggest catch of the day.



Seventeen SPIKES (in bold) increased their recruitmentnumbers last month. What is a SPIKE? SPIKES recruit new members and help the association retain members. Here is the latest SPIKE report as of March 31, 2013.

Top 20 Big Spikes

Jim Ford 910Virgil Ray 817Bill King 776Mitzi Spann 638Jim Fischer 566Terry Cobb 563John Whitaker 329James Carbine 326Dan Stern 306Jennifer Earnest 300Bruce Hancock 297Kevin Hale 285Tonya Jones 271Reese Smith III 256Steve Moody 219David Crane 211Sonny Shackelford 210Michael Apple 185Cyril Evers 181Jackson Downey 173

Life Spikes

Davis Lamb 167Jim McLean 164Louise Stark 163Harry Johnson 146Steve Cates 140C.W. Bartlett 138Tim Ferguson 138Tonya Alexander 124Steve Hewlett 119Tom Kelley 115Carmen Butner 101Johnny Watson 101Bill Kottas 97Lee Santiago 95Dave McGowan 93Kim Dykes 89B.J. Hanson 88Sam Carbine 85Duane Vanhook 78Trey Lewis 76Randy Parker 75Jordan Clark 73Erin Richardson 72James Franks 70Jeff Slusher 70John Baugh 68Don Bruce 62Jim Ford, Jr. 62Hill McAlister 57Joe Morgan 54Gerald Bucy 53John Broderick 52Beth Sturm 50Wiggs Thompson 49Al Davis 47Sheila Rawlings 47Bernie Laine 46Greg Langley 46

Benny Sullivan 46Kim Nichols 45Bryan Edwards 44David Hughes 44Andrew Neuman 44Kay Russell 44Peggy Krebs 39Chuck Clarkson 36Lori Fisk-Conners 36Brad Butler 35Andy Wyatt 35Al Hacker 34David Lippe 34John Ganschow 33Ray Edwards 32Dan Strebel 32Steve Wheeley 30Alvin Basel 29Matt Burnett 25

Spikes

Christina Cunningham 17Jess Dillon 16Tracy Lomax 14Marty Maitland 12Frank Tyree 10Don Mahone 10Pam Smith 9Michael Dillon 8Don Alexander 7Kelvey Benward 7

(cont’d from page fi ve) to 858,000 units.

Fed to the RescueTaking a more bullish approach to the housing and economic recovery, Maury Harris, manag-ing director and chief economist for the Ameri-cas for UBS, expects housing starts to total 1.1 million units this year (700,000 single-family and 400,000 multifamily) and 1.35 million units (900,000 single-family and 450,000 multifami-ly) in 2014.

“My view is that monetary policy is more im-portant than fi scal policy,” Harris said, noting that the sequester will cut about $85 billion in spend-ing out of the economy this year while the Feder-al Reserve’s monetary expansion policy is pump-ing $85 billion into the economy every month.

“As the Fed buys securities and pumps reserves into the banking system, this is easing lending standards and that will help job growth,” he added.

Harris expects unemployment to fall to 7.5 percent at the end of this year and 6.7 percent at the end of 2014.

With job formation a critical variable affect-ing household formation, Harris expects 1.1 million new households to form this year and an average of 1.3 million new household forma-tions annually over the next three years.

During the housing downturn, new household formations plummeted to 500,000 annually. As

housing and the economy recover, there is a large pent-up demand for housing. Harris said that the household gap, which is the difference between po-tential and actual household formation, is about 2 percent of potential households or about 2 million.

“The bottom line: we’re reasonably optimis-

tic about the economy,” Harris said. “The public doesn’t suffi ciently appreciate all the good that the Fed is doing.”

Conditions Vary by StateNow that the boom and bust carnage is over, a ma-jor development on the housing front is that hous-ing markets are reconnecting to their underlying economies, according to Robert Denk, NAHB’s as-sistant vice president for forecasting and analysis.

“The housing market is now being driven by

local economic fundamentals,” said Denk. “En-ergy states and those driven by agricultural com-modities are seeing their housing markets turn around the fastest.”

California, Florida, Nevada and Arizona, which fell the farthest during the housing down-turn, bottoming out at 10 to 20 percent of normal production, are showing progress in making a comeback. Home prices in many of these markets are returning to normal and near-normal levels, thanks in part to foreclosure rates that have eased signifi cantly since hitting their peak in 2009.

“While these former bubble states still have a long way to go to get back to normal, they have been replaced by the industrial Midwest, which is facing weakness in manufacturing, as the laggard in the recovery,” said Denk.

Led by North Dakota, Texas, Oklahoma, Wyoming, Montana and Louisiana, the en-ergy producing states are the fi rst states pro-jected to return to normal production levels by the end of next year, Denk said. Iowa, a farm belt state supported by agricultural com-modities, is also approaching a faster return to normal conditions.

In another way of looking at the long road back to normal, by the end of 2014, the top 20 percent of states will be at or above 87 percent of normal production, compared to the bottom 20 percent, which will still be below 60 percent. n

SPIKE REPORT


1 2 3 4

5 6 7 8 9 10 11

12 13 14 15Remodelers Council

meeting

16 17 18

19 20Dickson County Chapter meeting

21Metro/Nashville,

Williamson County Chapters meeting

22 23 24 25

26 27 28 29 30 31 1

2 3 4 5 6 7 8

MAY CALENDAR

Sunday Monday Tuesday Wednesday Thursday Friday Saturday

CHAPTERS

CHEATHAM COUNTY CHAPTERChapter President - Roy Miles: 615/646-3303Cheatham County Chapter details are being planned.Next meeting: to be announced.Chapter RSVP Line: 615/377-9651, ext. 310

DICKSON COUNTY CHAPTERChapter President - Mark Denney: 615/446-2873.The Dickson County Chapter meets on the third Monday of the month, 12:00 p.m. at the Ponderosa Restaurant in Dickson.Next meeting: Monday, May 20.Topic: Chris Curcio, 2014 candidate for the 69th seat.Price: FREE, lunch dutch treat.Chapter RSVP Line: 615/377-9651, ext. 307

MAURY COUNTY CHAPTERMaury County Chapter details are currently being planned.Next meeting: to be announced.Chapter RSVP line: 615-377-9651, ext. 312; for callers outside the 615 area code, 1-800-571-9995, ext. 312

METRO/NASHVILLE CHAPTERChapter President - John Whitaker: 615/843-3300.The Metro/Nashville Chapter meets on the fourth Monday of the month, 11:30 a.m. at the HBAMT offi ces.Next meeting: Tuesday, May 21.Topic:”Restrictive Covenants and HOAs: The Non-Govern-mental Obstacles to Building,” with Steve A. Lund, attorney, Tune, Entrekin & White.Price*: to be announced.Chapter RSVP Line: 615/377-9651, ext. 304

ROBERTSON COUNTY CHAPTERNext meeting: to be announced.Robertson County RSVP line: 615-377-9651, ext. 313.

SUMNER COUNTY CHAPTERThe Sumner County Chapter meets on the fourth Tuesday of the month, 11:30 a.m. at the new Hendersonville Library.Next meeting: to be announced.Chapter RSVP Line: 615/377-9651, ext. 306

WILLIAMSON COUNTY CHAPTERChapter President - BJ Hanson: 615/884-4935.The Williamson County Chapter meets on the third Tuesday of the month, 11:30 a.m. at the HBAMT offi ces.Next meeting: Tuesday, May 21.Topic: “Restrictive Covenants and HOAs: The Non-Govern-mental Obstacles to Building,” with Steve A. Lund, attorney, Tune, Entrekin & White.Price*: to be announced.Chapter RSVP Line: 615/377-9651, ext. 305

WILSON COUNTY CHAPTERThe Wilson County Chapter meets on the second Thursday of the month, 11:30 a.m. at the Five Oaks Golf & Country Club in Lebanon.Next meeting: to be announced.Chapter RSVP Line: 615/377-9651, ext. 309

*Builders free pending sponsorship.

COUNCILS

CUSTOM BUILDERS COUNCILThe CBC meets on the second Tuesday of the month, 11:30

a.m. at the HBAMT offi ces.Next meeting: to be announced.Council RSVP Line: 615/377-9651, ext. 311

GREEN BUILDING COUNCILCouncil President - Erin Richardson: 615/883-8526.The Green Building Council meets on the fourth Wednesday of the month, 11:00 a.m.Next meeting: Wednesday, May 22, at Pella Window and Door,1150 Antioch Pike, Nashville, 37211.Price: free for Green Building Council members thanks to our annual sponsors Pella Window & Door; $20 for non-members with RSVP ($25 w/o).Council RSVP Line: 615/377-9651, ext. 308

HBAMT REMODELERS COUNCILCouncil President - Don Mahone.The HBAMT Remodelers Council meets on the third Wednesday of the month, 11:00 a.m. at varying locations.Next meeting: Wednesday, May 15.Location: to be announced.Price: free for RMC members with RSVP; $15 for non-members with RSVP ($20 w/o).Council RSVP Line: 615/377-9651, ext. 301

MIDDLE TENN SALES & MARKETING COUNCILCouncil President - Trey Lewis.The SMC meets on the fi rst Thursday of the month, 9:00 a.m. at the HBAMT offi ces.Next meeting: Thursday, June 6.Price: $15 for SMC members with RSVP ($20 w/o); $35 for nonmembers with RSVP ($40 w/o).Council RSVP Line: 615/377-9651, ext. 302.Mike Lyon event RSVP Line: 615/377-9651, ext. 303.

CHAPTERS & COUNCILS



Documents

The Nail, May, 2013