All Around Oklahomaokfarmbureau.org/assets/publications/OKFBfa08_21-30.pdf · Spradling, right,...

amount, and would be rated at the standardadditional equipment rate.

“Any premium amount showing on thepolicy declaration page will only be for theamount over $4,000,” he added.

Gaughan said Farm Bureau has over 3,200policies in force with flatbeds listed as

additional equipment.All members of the

statewide Farm BureauInsurance agency force

Editor’s Note: The unsolicited letter atright was sent to Oklahoma Farm BureauExecutive Director Matt Wilson Aug. 18. The letter’s author is the Minority Leader ofthe Oklahoma House of RepresentativesDanny Morgan, who represents district 32.

have been notified of the change and will bereviewing their members’ policies to makeadjustments for those that qualify for theallowance.

Policyholders also can contact their agentfor information.

“Insureds should list the flatbeds asadditional equipment if they are not alreadylisted,” Gaughan said.

Toolboxes, feeders, hoists, bale spikes orother additional accessories that have beenadded to flatbeds need to be listed separately

and are not included in thepremium exemption.

18 • Oklahoma Country • Fall 2008

Oklahoma Farm Bureau Insurance nowoffers a money-saving break on pickupsand trucks by exempting the premium

for the first $4,000 of coverage for flatbedsthat are listed as additional equipment.

“The change is for both new business andexisting policies,” said Jeff Gaughan, vicepresident of underwriting for thelargest Oklahoma-basedproperty and casualtyinsurancecompany. “It willbe a nice break.”

Gaughan said hebelieves OklahomaFarm BureauInsurance is theonly company in thestate to offer this policy feature.

“The first $4,000 of coverage on theflatbed will be provided at no premiumcharge,” he explained. “The premium chargewill only apply to any amount in excess of that

Flatbed owners get insurance premium break

Representative lauds Claimsresponse to storm damages

All AroundOklahoma

Oklahoma Farm Bureau Insurance clients whohave flatbeds on their tucks now receive a

money-saving break on their policies. The first$4,000 on those vehicles listed as additional

equipment is excluded and will be provided at no premiumcharge. The change came as a result of delegates to theOklahoma Farm Bureau convention asking the insurancecompany to exclude flatbeds as additional equipment ontrucks and pickups.

Danny Morgan

Matt,

I want to share with you the pleasant surprise I received when I filed a

claim with Farm Bureau. I have been insured by Farm Bureau for several

years and had hoped to never need your services due to a loss. Great thought,

but I was not that lucky.In May, a hail storm occurred in Prague, Oklahoma, that damaged the roof

of my home as well as several of my rental houses that you insure. My wife

and I made the dreaded call to my agent, who after our conversation directed

us on the claims department. I say “dreaded” because I have made this type

of call to other insurance companies and it was never pleasant.

Your claims representative, Felecia Echelle, was very prompt in her action

on our claims. She was very professional in her dealings with us. She was

patient in answering our questions and made several follow up calls to us as

we provided more information to her about our properties.

We were also working on a claim for my mother’s home which was also

damaged due to the storm. It has been what I dreaded, delays and no call

backs. I even had to get a manager involved to finally get the assistance that

I needed.We could not have had a more pleasant experience settling our loss.

Please thank everyone involved at Farm Bureau for the professionalism and

caring that they showed to us.

Sincerely,Danny Morgan

Oklahoma Country • Fall 2008 • 19

Oklahoma Farm Bureau President MikeSpradling, right, told Rep. Mary Fallin, left,

and Dan Boren, second from left, and OklahomaSecretary of Agriculture Terry Peach that federaltruck weight regulations create “an impossibleroadblock” for Oklahoma farmers trying to gettheir products to markets in surrounding states.Under federal regulations, farm vehicles weighingmore than 10,000 pounds can be deemedcommercial carriers once they cross state lines,subjecting farmers to heavy fines and penalties.Current rules can require farmers to obtain a

commercial license and be subjected to drug andalcohol testing and other regulations required oflong haul and large semi rig operators. Fallinand Boren held the forum because they want tochange the rules with a law raising the limit to26,001 pounds, the amount allowed for farmvehicles to travel within Oklahoma. State officialstold the federal lawmakers the change would notnegatively affect the safety of state roads andbridges. Spradling said some states, like Texas,seem eager to enforce the current regulations,which put farmers in violation for driving a

pickup and small trailer into other states. Fallinand Boren have introduced federal legislation tochange the law. A similar bill has beenintroduced in the Senate by Oklahoma’s JimInhofe and Tom Coburn. Fallin and Boren told thethrong attending the forum at the state CapitolAug. 21 that it likely is too late to get Congress topass their legislation this session, but that itcould be attached to the highway funding bill in2009.

SPEAKING OUT


for Food Business Entrepreneurs, a one dayclass offered by the Robert M. Kerr Food &Agricultural Products Center at OklahomaState University.

“A client and friend of mine who ownshotels in Edmond and Guthrie attended anOklahoma Restaurant Association meetingand inquired about how I should go aboutselling my salsa to consumers on a muchlarger scale,” Sporn said. “He was referred toChuck Willoughby at the FAPC, and word inthe local food industry was that if we wantedto get our product on the shelves, Chuck wasthe man to talk to.”

At Basic Training, the Sporn's learnedabout business planning, marketing,good manufacturing practices and

many other topics. The first step after BasicTraining for Sporn was to work on thebusiness plan.

Chuck Willoughby, business and marketingrelations manager, reviewed her plan andprovided feedback.

“Dee’s plan was very well written andorganized,” Willoughby said. “One thing sheemphasized in the plan was that her salsa notonly was award winning but also was notcooked. Fresh refrigerated salsas have notsaturated the market like shelf stable ones –this gives her a little stronger point of differ-entiation; consumers perceive the fresh salsasas higher quality than those on the shelf.”

After reviewing the plan, Willoughby and ateam of FAPC specialists helped her withmarket research and market strategy,nutrition analysis, label review and co-packer identification.

“Prior to the workshop, we made inquiriesto other non-profitconsulting businessorganizations – noneof which gave usguidance on

Running a gourmet salsa company is adream come true for Dee Sporn ofEdmond. Consequently, the name of her

company is DreamCatcher Farm GourmetSalsa LLC.

Sporn’s inspiration for making arefrigerated salsa came to fruition during heryears spent at the lake. She wanted to snackon fresh vegetables when it was hot outside;however, she thought the refrigerated salsaswere too watery and bland, so she decided tomake her own salsa.

“This is a dream come true for me becausethis will give me the opportunity to spend myretirement doing something I really enjoy …spending time with my husband and makingand selling fresh salsa together,” Sporn said.“So far, everyone who tries it likes it. Everyday, it is such a joy to receive complimentsand positive reactions from our customers.

Sporn has experimented with variousrecipes during the years and with the help ofher family, has captured just the rightcombination of ingredients to create award-winning gourmet salsas.

Sporn and her family have competed inmany competitions since 1999 and have takenfirst place in at least one category every time.Her latest achievement was the first placewinner of the 2008 International Scovie Award(Fresh Habanero Category), the mostprestigious award given at the Annual FieryFoods Show in Albuquerque, N.M.

Soon after winning the award, Sporn andher husband, Jerrie, enrolled in Basic Training

FAPC basic traininggraduate catches dream

preparing a business plan, nor did they evertell us of the possibility and benefits ofpartnering with a co-packer… the mostvaluable information we’ve obtained to date,”Sporn said. “We have a wonderful co-packerright here in Oklahoma City who does anexcellent job of preparing the recipe andhelped finalize the ingredient information forthe labels, which FAPC was very kind toprepare the nutrition analysis needed to makethis possible.”

Soon after finding the right co-packer,Sporn and her family began marketing hersalsa at Farmers’ Markets and consumershows. They are currently participating in theEdmond Farmers’ Market and are applying toparticipant in local craft shows in the fall.

“Our current schedules allow us to beflexible enough to have a hands-on approachto protect and learn about our product in theconsumer market, so we’d like to establish apresence and a consumer base in farmers’markets, festivals and eventually a tradeinterest at food shows,” Sporn said.

To transport the products to the farmers’markets and as part of Sporn’s productdisplay, she converted an ice unit to a

refrigerated unit. The “rolling refrigerator” iscomplete with colorful peppers and vegetablesto match the products. Sporn said the boothaccessories help to spark the curiosity of anyspicy food lover.

It is important for entrepreneurs to takeadvantage of the many resources when startinga new business, such as the FAPC, co-packers,supply companies and funding sources.

“We’re very thankful to the CitizenPottawatomie Development Corp. in Shawnee,Okla., who came to the rescue to help with aportion of our ‘start-up’ capital because it hasdefinitely been more financially demandingthan we could have ever anticipated,” Sporn said.

Like many of the entrepreneurs FAPCworks with, Sporn and her family have thatpersistence, never give-up attitude,Willoughby said.

“Dee’s creativity and savvy business senseare commendable and her enthusiasm iscontagious,” he said. “Working with Dee andfolks like her inspire us to live out our mission – to add value to Oklahoma!”

Dee Sporn is pictured withher marketing display forher gourmet salsa at anOklahoma farmers’ market.


AUGUST AREA MEETINGSOklahoma Farm Bureau members took the

opportunity to help their organizationbegin its annual policy development processby attending the August Area meetings heldthroughout the state. From Vinita to Ardmoreand from Guymon to McAlester to points inbetween, about 700 county Farm Bureauleaders attended the 12 meetings hosted byOFB state directors in their districts.ThePublic Policy team of Ericka McPherson,TylerNorvell, Marla Peek and Lori Petersonpictured at the top of the page answeredquestions posed by members and distributedinformation from the 2008 PolicyDevelopment Book during the meetings.County leaders listened to the informationpresented and also raised issues they believethe organization should include in the policydevelopment process. In the center photo onthe left, Garvin County President DaleSchauer and his wife, Sherry, listen as someof the pending issues are discussed. In thecenter right photo, Pushmataha County VicePresident Kenneth Blan took the microphoneto speak on an issue he felt should beaddressed by Farm Bureau. Mayes CountySecretary/Treasurer Jerry Koelch, bottom leftphoto, listens intently to a concern raisedprior to the meeting he attended in Vinita.Muskogee County President Jon Leeds,bottom right photo, gave a report on YF&Ractivities across the state. Leeds and his wife,Natalie, serve as chairmen of the state YF&R Committee.


Benefits added to the FB Card

Oklahoma Farm Bureau members willnotice some significant additions tothe list of products and services

included in the Farm Bureau Card program.The most recognizable addition is Sears.One of America’s oldest and most trusted

retail giants has joined the Farm BureauCard fold with the Sears CommercialCustomer Advantage Program.

The Sears program offers OFB membersthe opportunity to save between 5 and 35percent on products used nearly everyday intheir home.

Members can save on items such askitchen and laundry appliances, exerciseequipment, grills, mowers and lawn andgarden tractors, televisions, water softeners,filtration systems, garage door openers,storage and much more.

The Sears program also offers FarmBureau members the opportunity purchasegift cards for Sears, K-Mart and Lands Endat discounted prices. The gift cards areoffered to Farm Bureau members at a fivepercent discount, meaning a $100 gift cardwill cost the purchaser only $95.

The new program is not available at Searsretail stores or at Sears.com. It is availableonly through Sears Commercial.

Farm Bureau members can view theentire line of products offered through thenew program by visiting commercial.sears.com/catalog/catalog_index.html.

A complete list of all products available islisted at that site. By clicking on a particularitem, its list of specifications will be broughtup for further inspection.

When a FB member decides on aparticular product or has questions, SearsConsultant Sherry Wells is ready to assist.She can be contacted at 918-289-1614 or byemail at [email protected].

Members simply provide Wells with theaccount number and their OFB membershipnumber, the Sears number of the articlethey’re interested in, and she will providethe discounted price usually within onebusiness day.

“The discount is based on the suggestedprice,” said Wells. “It will be a minimum of 5percent and can go up to 35 percent. It couldbe more on some things. Sometimesdiscontinued items are reduced even more.”

Wells will take down the member’sinformation, preferred payment method andsend an order confirmation and warrantycard after the selection is made. Themember can either pick up the item at theSears warehouse in Oklahoma City or Tulsaor make arrangements for delivery with Wells.

For members who live in the rural areasand must use dial-up to connect withthe Internet, there’s now a high-speed

solution. Oklahoma Farm Bureau has


Farm Bureau’s Safety Services hit theOklahoma roads with a new fire safety

house to kickoff the 2008-2009 school year.The new trailer replaces the first rolling firesafety house that Safety put into service in1999, which after about 500,000 miles and500,000 children being educated on homefire dangers was retired from active duty butremains in reserve. The new 38-foot trailerwas purchased and converted from its barestate to a teaching fire safety house bySafety Services with just a bit of help from afew vendors. A smoke generator wasinstalled to simulate the blinding conditionsthat occur when a home is burning toinstruct youngsters on the best way to exittheir homes in case they are engulfed inflames. A working fireplace in the livingroom, a fully equipped kitchen and masterbedroom were installed and are used toteach youngsters about the dangers indifferent rooms of their homes. The newtrailer is equipped with a ramp door in therear to allow easy access for those withspecial needs. To book the fire safety trailerfor your school or community, contact SafetyServices at 405-523-2300.

A NEW MODEL

enlisted Agristar on the FB Card program.Agristar uses advanced business-grade

satellite technology to deliver high-speedaccess. No matter where you live inOklahoma, broadband is available. Theservice is more than broadband. Subscribershave access to premium ag information at noextra charge.

A business-grade satellite system andprofessional installation is only $249. Thatprice is $150 less than Agristar’s traditionalcharge. A monthly service fee is applicable,and varies in price depending upon thedownload and upload speed preferences ofthe member.

To order or learn more, contact Agristarat 888-777-0440.

Farmers, ranchers and contractorsinterested in mid-mount front endloaders will save $150 through Farm

Bureau’s agreement with KD Loaders.The company offers loaders to fit from 30

to 160 horsepower two and four-wheel drivetractors. The loaders offer the proper fit,brute strength and best value in theindustry. The loaders are available in eithergreen or black.

To check prices or purchase, contact KDLoaders at 325-641-0420 or visit the web siteat kdloaders.com.

Another new addition to the FarmBureau Card family is Chappell Supplyand Equipment.

The firm is a leading supplier of powerwashers, selling one of the last American-made industry leaders in the Mi-T-M brand.Farm Bureau members can purchase any ofthe power washers – from the smallest to thelargest – at a 10 percent discount.

Chappell also is offering the 10 percentdiscount on its entire line of poly tanks aswell as suction and hydraulic hoses.

To check prices or make a purchase,contact Chappell at 405-495-1722 or toll freeat 800-525-4970. Members also can visit thecompany’s web site at chappellsupply.com.


Oklahoma Farm Bureau’s 67thconvention will attract nearly 1,000delegates and guests to Oklahoma

City’s Cox Convention Center Nov. 14-16.The Friday, Saturday and Sunday version of

the annual meeting will take care of thebusiness of the state’s largest voluntary farmorganization as well as set policy to help moldthe future of the state and nation.

Three state directors plus the delegates forthe American Farm Bureau Federation annualmeeting in January also will be selected.

Top state awards to counties and individualmembers also will be presented during theannual meeting and competitions, such as theDiscussion Meet, will be held.

At the early September press time, theschedule was:

The opening session begins at 1:30 p.m.Friday. Syndicated columnist Trent Loos andAmerican Farm Bureau Vice President BarryBashue are scheduled. U.S. AgricultureSecretary Ed Schafer also has been invited.

Breakout sessions follow at 3:15 p.m. andrepeat at 4:15 p.m. Oklahoma StateUniversity’s Darrell Peel has been invited tolead a session on agri-terrorism while AFBF’sJim Sartwell has been asked to lead a sessionon the farm commodity outlook.

The annual awards and recognitionprogram is slated for 7:30 p.m. It will featurepresentation of awards like the Secretary ofthe Year, Distinguished Service and FarmFamily of the Year as well as the YF&RAchievement Award along with other topcounty and individual awards.

An ice cream social to raise funds for the

Oklahoma Farm Bureau Legal Foundation is scheduled immediately following the awards program.

OFB Expo, the official trade show of theconvention, is back again. It will host a varietyof vendors from across the state promotingagricultural businesses and associations, alongwith other vendors. The trade show will satisfythe interest of all participants.

The Nov. 15 morning general sessionfeatures the annual policyholders meetingfollowed immediately by a general session. Thegeneral session will focus on setting policy for2009. Delegates also will select delegates tothe AFBF annual meeting.

Various YF&R and Farm Bureau Women’sfunctions begin after the general sessionadjourns at noon. When it reconvenes at 2:15p.m., results of caucuses in districts one, fourand seven for state directors will beannounced. Delegates will finish a resolutionssession before the general session adjourns.

A reception for Ag Fund donors isscheduled at 6:15 p.m.

The annual banquet begins at 7:30 p.m. andwill be followed by a performance by theConnie Smith.

Sunday activities begin with breakfast forcounty presidents, FBW chairmen and leadersin the legislative arena.

The Vespers and Memorial Session beginsat 9:15 a.m. Dallas evangelist Jon Randles hasbeen invited to speak. Inspirational music anda memorial ceremony for Farm Bureaumembers will be a part of the morning’ssession, which is schedule to conclude theannual meeting by 11:30.

Annual conventionis set for Nov. 14-16

NOTICE OFANNUAL MEETING

To all county Farm Bureaus of the Oklahoma Farm Bureau.

Oklahoma Farm Bureau will convene in annual session Fri-

-

This is the annual meeting of

This meeting will continue until

Board of Directors

NOTICE OFANNUAL MEETING

OF OKLAHOMAFARM BUREAU

MUTUALINSURANCE CO.

annual meeting of the Policy---

---

Board of Directors

®


U.S. Representative Frank Lucas

Mayor Mick Cornett

Joint Privacy Notice

AG SECURITY INSURANCE COMPANY

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I prefer that you do not disclose nonpublic personal financial information about me to

about our transactions or experiences with you for

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Clip & mail this form to:OFBMIC, c/o Opt-Out Notice

P.O.B. 53332 • Oklahoma City, OK 73152-3332*Name: ________________________________

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our within this Joint Privacy Noticeunderstand that thosewords includeOklahomaFarm

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disclosuresof informationwillbemade toyourFarm

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Please indicate on the Opt-Out Notice form if you

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OPT-OUT NOTICE


Families from 14 counties have beennominated by their county Farm Bureausfor consideration as the 2008 Oklahoma

Farm Bureau Farm Family of the Year.The winning family will be announced

during the Awards and Recognition Programof the 67th annual meeting of Oklahoma FarmBureau in Oklahoma City in November.

The winner will receive an expense-paidtrip to the 2009 American Farm Bureau Fed-eration annual meeting in San Antonio, Tex.,use of a new Dodge pickup, and other prizes.

The annual Oklahoma Farm Bureaucontest honors the farm family who bestrepresents farming and ranching and thespirit of Oklahoma agriculture.

Farm families nominated, listed in countyalphabetical order, are:

• Russell and Dianna Yell of Adair County.

Four county Farm Bureaus submittednominations for consideration as the2008 YF&R Achievement Award.

The award honors the state’s top young farm family.

The winner will be announced during theAwards and Recognition Program of the 67thannual meeting of Oklahoma Farm Bureau inOklahoma City in November.

The winner receives an expense-paid tripto the 2009 American Farm BureauFederation convention in San Antonio, Tex.The Oklahoma winner also receives a year’suse of a Dodge pickup, the use of a Kubotatractor, $500 worth of Syngentia cropprotection products and other awards.

The nominees, listed in county alphabeticalorder, are:

• Jack and Jodi Simmons of Adair County.The Simmons own and operate 1,369 acreswhere they have 100 acres of hay and run 240head of cattle in addition to operating a liquidfeed business.

• Charlie and Amber Coblentz of MayesCounty. The couple has a diversified operationcovering 6,000 acres with cattle, horse hay and

Contest attracts14 farm families

Four vie forAchievement Award

Their dairy operation was established in 1963,starting with 60 acres and growing to today’s800-plus acres with a 24-cow milking parlor.They have a 200-head dairy herd, and raisetheir own sorghum and hay for their cattle.

• Scott and Laura Cormack of AlfalfaCounty. They have a large operation, with1,600 acres of pasture and 1,600 acres ofcropland, where corn, milo and soybeans aregrown. A 300- to 400-head cow herd ismaintained along with hundreds of stockersbeing pastured during the winter months.

• Gary and Kimberly Adams of ChoctawCounty. They have a 1,500-acre operationwhere corn, wheat and soybeans are grown.They also have a cattle herd and hayingoperation.

• Allan and Janna Barrington ofComanche County. Their operation includes1,000 acres of wheat and 1,000 acres of nativepasture where they graze their 150-headregistered Angus cattle herd. An additional 80acres is leased for haying and grazing.

• Bryan and Staci Hunter of CusterCounty. They farm more than 3,000 acres. Themajority of the land is in pasture for a largecattle herd. Wheat and alfalfa comprise about450 acres of the operation.

• Harvey and Ruth Moeller of KiowaCounty. The well-established operation hasseen cattle, hogs and chickens raised, but nowfocuses on cattle, hay and pasture. They alsoown and operate a flower shop.

• Allen and Susan Brewer of LeFloreCounty. Their operation consists of four large poultry houses where they produce some 570,000 broilers each year. They alsohave a small cattle herd and sell poultry litterand hay.

• Charles and Jan Pearson of MuskogeeCounty. The 1,500-acre bottom land farmproduces corn, soybeans and wheat. Popcornalso has been a frequent crop recently, withsome of the soybeans being food-grade andgoing to Japan.

• Scot and Carol Dvorak of Noble County.They have about 4,000 acres where they raisewheat, corn, alfalfa and prairie hay as well as alarge cattle herd and stocker operation. Theyalso have a niche market for fed steers forcustomers seeking farm-raised beef.

• Albert and Louise Rutledge of PayneCounty. Their registered Angus operationtraces its roots to 1959. They run 35 to 40

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registered mother cows and sell about 10 test-station bulls annually.

• Joey and Monica Morrow of PontotocCounty. They run cows on 800 acres of pastureand plant wheat on 200 acres of grazing,haying and grain. They also bale 100 acres ofgrass and have a custom haying operation.

• Steve and Tracy Shepherd of SeminoleCounty. They have a small cow-calf operationon 278 acres. They have about 50 head of cattleand raise and show registered Angus heifers.

• Jack and Sandra Berry of StephensCounty. They own 160 acres and lease another720 where they have about 120 head of regis-tered Angus, Maine-Anjou and Maine cattle.They produce seed stock heifers and bulls.

• William and Carolyn Fesler ofWashington County. After retiring from afamily medical practice in 2006, the familynow has meat goats and a calf and stockeroperation. They own and lease 690 acres withan 85-head cow herd and 300-head goat herd.


Two county Farm Bureaus havesubmitted nominations for the YF&RExcellence in Agriculture Award which

will be presented at the 67th annual

800.375.4471

Exit 153 & I-35

Just 10 minutes north of Edmondwww.vanceautogroup.com

Visit our booth at Cox Convention Center

November 14, 15 and 16th

Two nominated for YF&R award

How much waterdo we really need?

row crops as well as a seed sales firm andagricultural application business serving morethan 100 customers.

• Mason Bolay of Noble County. Therecent college graduate operates 422 acreswith wheat, milo and corn being the primecrops. He also has a cow-calf herd and haulingservice and is in his second year as avocational agriculture teacher at Thomas.

• Chad Selman of Tulsa County. Heoperates 2,000 acres with cattle, pecans andhay being the primary enterprises. Chad alsomanages a custom pecan company andoperates a roping stock cattle business for his father.

convention in Oklahoma City in November.The award recognizes successful young

people 35 or younger who are involved infarming but whose primary occupations arenot farming or owning an agriculturalbusiness. The award is based on theirinvolvement in agriculture and participationin Oklahoma Farm Bureau and othercommunity organizations.

The winner receives a four-wheeler ATV plus a trip to the AFBF convention in SanAntonio, Tex., to represent Oklahoma in thenational contest.

Jason and Mandi Robedeau of Red Rockwere nominated by Noble County FarmBureau. He works as a UPS driver in PoncaCity and she is an administrative assistant inthe school of hotel and restaurantmanagement at Oklahoma State University.They own a herd of commercial cattle withplans to expand, and have created their ownfarm fresh beef business in the last two years.

Scott Stephen Story of Stillwater wasnominated by Payne County Farm Bureau. He

is a biological science technician with theUSDA Agriculture Research Service, where hehelps conduct research on barley to findgenetically superior varieties. He and his wife,Amanda, have 20 head of Brangus influencecows on leased land in McCurtain County.

The risk ofdehydration ismuch more

prominent duringsummer heat. Buthow much water dowe really need?

“We have alwaysheard we shoulddrink eight ouncesof water eight times per day. Most of us haveaccepted that we need that amount. The truthof the matter is that there is nothing found in

All Around Oklahomaokfarmbureau.org/assets/publications/OKFBfa08_21-30.pdf · Spradling, right,...

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