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12/20/2006 - STAFF REPORTS - 2.D.
A�?ALM SA4 iy 4 N M 0RRoeK�''S rCA<lFOR��P^ Cit-v Council Staff Report DATE: December 20, 2006 CONSENT CALENDAR SUBJECT: TREASURER'S INVESTMENT REPORT AS OF OCTOBER 31, 2006 FROM: Craig A. Graves, City Treasurer BY: Department of Finance and Treasury SUMMARY Attached is the Treasurers Investment Report as of October 31, 2006_ The report includes the face value and coupon rate (if applicable) of the investments and the source for the market value estimate. Also included is information on the investments of Bond Issue reserve funds, and on loan repayment programs managed by a bank. RECOMMENDATION: Receive and File Treasurer's Investment Report as of October 31, 2006 STAFF ANALYSIS: The attached monthly Treasurers Investment Report is for the period ending October 31, 2006. The report includes the face value and coupon rate (if applicable) of the investments and the source for the market value estimate. Also included is information on the investments of Bond Issue reserve funds, and on loan repayment programs managed by a bank. The investments, in type, maturity and as a percentage of the total portfolio, are in compliance with the existing City Council-approved investment policy with one exception: the FICO notes ($500,000, 4116/18, 9.8%) exceed the 5 year limitation on maturities (Detail of Investments, Long Term Investments, Mortgage Pass Thru's). The investment in question was purchased prior to the adoption of the 5-year limitation. Since it appears to represent no additional risk either because of credit-worthiness or liquidity, earlier councils decided to allow it to be retained in the investment pool because the yield is higher than attainable under current market conditions. We recommend that this exception to the policy be continued. State law requires this report to be submitted within 30 days of the end of the quarter. Because WI of the City's bank accounts may not be completely reconciled, there may be minor adjustments to the cash on hand in the checking account and to the valuation of the bond issue's money market investments. All other amounts are actual. Item 2 . D . City Council Staff Report December 20, 2006— Page 2 Treasurers Investment Report as of October 31, 2006 The weighted average maturity (WAM) of the portfolio is 467 days. The maximum WAM allowed by the Investment Policy is 1095 days. The current portfolio and expected revenue cash flow will be sufficient to meet budgeted expenditure requirements for the next six months and the foreseeable future thereafter. FISCAL IMPACT: None Crri . GravA, City Treasurer P achments: Treasurer's Investment Report rrcas.ep CITY OF PALM SPRINGS 11/30/2006 TREASURER'S MONTHLY REPORT SUMMARY OF INVESTMENTS OCTOBER 31, 2006 On Call De osiu5 Adjnated Basis Category Total Percentage Checking Account S 880,526 State Pool 24,290,000 S 25,170.526 37.44% Short Ter:Investmcnus (1yes, 9r ICss) Tuile Deposits 1,500,000 U.S,Gov't Agencies 41500,000 S.Treasury Note 1,979,974 8.979,974 13.367. Medium Tcrin Invmurnems (I year to 3 ears) Corporate Notes 1,985.760 Morrgage Pass-Thrus 3.627.939 U.S Gov'i Agweim 17,735,575 23,347,274 3473% Long Term Idvesvnen[s (3 years to 5 Years) Corporate Notes 986.120 Mortgage Pass-Thrus 3,741,187 U S Gov't Agencies 4,998,594 9,779,901 14.47 Total Invcsred Cash S 67,223,675 100.GU. "Some mvesmicnrs once prior to the implcmcamuou of the cuGent Investment Policy exceed die 5 year limit. °"p TREASURER'S NIGNTHLl'REPORT a3nm6 DETAIL,OF INVEM,TENTS OCTOBER 31,2006 irlt aWln�l [m-n�w11 rnnr(;r[ Pm VJi R.a RTJrE SgF�i1s mA61un1] C:•I El>±. C<mITu l.Lda Wl, Fm; Rfmhx Ya:r CD-b. "d Grrcn: S 1:!x ,-un le at ryeu S.s2s s _W.i6 O 'mlA�i>p]mei SUNrILll7 3!L4r.COi rand Ix "A 3J M lY'�A]-A)5 S 1d19,1y qen a I']: 31 arA00 LUF x3•iSO,DO 3G ILL'6 Fs 7- f I scc<Yz1 rItt»,u rvaLlRsn Rlnrtaf 3arf I!lylW 4.8.g aL l CUWM 4.9r4 LOV.DYI lr0]Am Wzilldlm Mural l.lO,oO tl'aJn�nVu.1"mil I.M,-01 4.8aq .L4{ [JHl,g3 4.9!% I,rap.CA lC0]M] W _Lq Rlur:rl l.D"O.DA 1S'a]IIr_an iflrarl^u�kll,bar3 irmll _W.M 5.Uf£ AAA Wr' .w r,01% W[W Sp],LCV Wall-�.:o Aflnul YA,Om ].Xp.WI VS G,l Alm- Sa 11u F3ra1 U.,l .R..b IDoxo ].004 N.A IWILl ].MY 0 0 6Vt'Wm:m Lr 593,]S3 Fc:N Hv'u lJl' 4 I.Do.m ]fag N!A @Vlw 1pY I,U O.DO WI,[61 6NYWa:r_Tr 99',3"V FUNYarc Lci ExaL L0.0.00] 1.6''£ NIA 0.`WW 3.y-Y I,CCO,Do Nc1I] Gl W' I-aTr 591,Dt Rieral Faro Cra 3arl I.MO' 3.914 NY VIII!.W 3.9JR I'O].CA S91,di5 HNYWstm Tr 9]p,936 RLL-y}�"mnna Asmenllm I:.M'O] i.9:§ N-A .nrt]�IIS 3.:05 1-WM] SFi,6'8 UNYWI.Tr 9f•,IS]Tal y3fure loan prnt _`D'.'W [T6% 11 fnl-W [i6£ SDlrW 9Y!,i'A ➢N]'SV'.-.....Tr 591,C65 d.3'U,pl] L S rr3 Nu 0.5 Tr n ,Ncl_lLfayTrml XV.DO JAM M.-A a IKV ]dv4 05.891 40,185 E}91Yarr_Tr iAf,6`.0 H.5 Ta¢ bol- 915.' 3E2Y N;A pV[UR i 761 9Lg68 Y1]]. plYWn-la Tr 919,&= H.5 iressap Bom :YS,IY] 4.33Y N!A 16131.Vi ;21%3cg JS8.50 g95]M pNY 1V:rvmR 65,V5 1 W W4 MNIuu T<m11m'aeus I I frn bal:r�£! C., G E¢-3'e�e Ca I,D V.Dtl J.004 Mf OUJI!A 4.31£ M.619 SS.SFil 91T IV,-..Tr �a[,19] n'rT.Fuxn Corryol L0.4CA ].b£ Mf WNltb ]T14 A3.Rp 9..5m 9NYIV'v Tr W613, 561,]Ol Rlortxrre Ear�TM1w ru4n113±w:Lttr Rloo±att C¢rynmo L,Wv,MI I01A ,}"A C4VIaVs 1134 M.U92 Cc 61t,g31 EVY lYmrr_-Tr 893,84 Fn':N laarcl6 Mo1uAC al _.. 40.01 JM£ .}!A O�131aA1 C56`F I]S,Ssll W.93] ,Tr ISI,DA Fv NHuoe lmu Alnn^3reGa w bVM J-VY N!, Mla]l egig 511,➢]! S1,6i[ p.}T 1'•s<m Tr i?Ifl TN'nl]lure lan Almr=xe Cc t-cr ],DV,DV S.CO£ N!x )MIL9 3.06% ]3i 5f8 32.i5I ➢NY11.xm Tr 139c51 L.J mf lfu�6ean Vrnri-Cmp Ii:¢ ea0,0.tl 4.0% MIA 5.15.4 2b T13 RJ nI I-;Cm Ran_�:CO� Il_4 ,. 4.M% Hm 1V.8 13Sd BNY'N-. ]r L]J,0K FJ nIH-- av3'nnrColEnlrn 3X: N{ tiHN 3.0 5 614.957 NY Tr<T£ 3T63m 31[•IRT IEWWc,.Tr ]Qjw Fed:N Hmrfnm 3Gnnye Copl.reu.n e;0.'O] C.5]F Nµ W➢LV9 o17p 9I3.ET2 W 149 0.l'Y Wol:rx it .119.313 6R,919 H.S Cas•I Txeul Sxs11 F�uN Hm lm dsf I.p:U,VO c,cOi 6!A IIn" S.W£ I,CW,OSI 9W., D] ➢NY%Q-Tr "1-50) fv:a113-arc)�,0:a1T I.DO,DA 310£ I'm IL3ROi SIV% 9A,0.5: HNY W'r_uru 59],C63 Fd a1]:rntr^"pvlk :O.U]1 4.30£ WA OIMM i.W£ SDICO] Sra,31• 9NY W-.7, {9.,TNr�lbre[cao Bum f,DA.M 1.04% NIA C ,.0 o.pl¢ LMI,rO] A8:16 63Y Wm:.0 S93,Cffi TN ral}annml3r nea= x�awoo f,f o) 3.25% NIA rllCSV3 rt5£ I.M. 03 9:9439 EYYWYI:mTF 593,p53 &J'N lfo-Loan Hors LCW CO] <.p2^n NIA Cu90.V5 :cng F r3c]I] OlY A'srluTr 9:3.T5] nknl IF-'Wm Hark 2,r01CO3 o.Ni NIA Cn'131➢, Sc04 1,9an,39.a F: ]Hmr Lmo Hil SpI,O]] ['SS V'A OII1S'II3 J.164 g0,D.0 2V].301 HNTYYVe,< Tr 3,DP_.W F:1.I Hmrinan 1M],DV cr0'z .}" 99J.SH pN]'Iicpun Tr 19v 505 T O.L6 e,W£ 1co OXI TI5,913 BNl'W«.m lr i9c,F:.'ml H.- Fxal 3.Lm..VO 1125 N'.l AlV.v\U 5.3Li ]CO�CO] 6J fa:ral r. lm 9mN D Ij a ACO£ ry';A Ip3T.t0 S.W% "e 03 9a3,T50 HN1'Km'—TF SA,C'3 FW-A 1r1 Cr r�-ak w9i4T BN}lYmlemrr ]f?O18[.OV,[A ].SSY 1R.1 1p1'L9.L'S 3.8f% I,W2CM Y!9.ry] E}ry Wrcrvla it 9]],1e8 FL'y]"re L�.jl Ovh LOAM] i.W$ N S.Wp I,p'V,IXr] Nek ml 161 M71% :mTr 919,t]5 I4 JIMNS 1L➢S.IIS 5 Vl4 LDV,DA FN nllfoor Ccm Bah I,COOA] s.2]% NIR OJIO.II3 J:3Y X-C." ].CO•,Iy JIN]'1Vc Tr I,IA,16 RJ-N UI fnoo]rnae_e Co11r1+.ran Ilol. 3.W Vr S83,iv] ➢N]'1S'cazs Tr 931dT3 fi p'['15�➢3 `Rr£ 939,:E0 9Ya,1_•y H1ll ncxpTr StiP.813 F.� l Hmr Wan 3a} ].MI.p:U Mal .}'1,1 OSU'Dl _.YJY 1 C0],M] Da9.a]r 3Ni Knl.m Yr S9r,p53 F.�.al Hmr WOFM 1.pU,Dtl \]0Y NA pAD" 5 T]% 1.[O'.CO] I,%9;7tl 3 We I:m Lr 1.pw Vi ]i,i33,5!0 r r.p TREASURER'S MONTHLY REPORT 11r300ca DETAIL OF INVESTMENTS OCTOBER 31, 2006 Coupon 1'�eIJ 4-ps+ (m:mu unlr7 Pnor Qv P,W.I. R,rc Rains M11r�r In Cmo Bmis C—gnrr Tr.l M1� "Valuc Scure \far¢I Value long R m➢nu:mem• I3¢are ro5 ears) Co�'uxm kola GnlJmm SaL Grua,rrc i.cwo t o 0]S ,SAJ MIMI 5.37„ 586,R0 990,810 RNY fVea.:rn Tr 0 9h,IL9 feJ pal Bzmaal M1f.rt ,Ac„ llol 2,"!D],W] 1,0% nfA 01*1130 a 91 R, 7y;9 IW-rA Naiv l M1lnngarz A i.e,� ],fL3,pp3 4 A-- WA 0MULp E 468 7'9317 BKR W'ul m Tr 7714,641 69.el Cvtiral Hour Loan M1rortgage C< SLp L6 T l.1 B.�Wulrm Tr T69,691 .pnann f,AS,O'i] a50`r WA 05ADWAI10 5.135 W3.W3 gsu.ml 6YYW mTr i1 IN Facml vnme Luau M1[un�ayx Cclpomlinn :.l<p,On a 50%. WA lw. .lg 5.79 0 4I3,p_+i FNcral Ilse W Bank ib,nb a 75%M% WA 1A251Id ;ggq 615 ji l ➢VYWcw.Tr fi MIN Faleml R.v-c Lam nlns�+e Co nn pg➢,r fi23,4.a= 615,113 BAY Weum Tr 6:],86?T .m E_mx WA paA!!11 537- 135m Ili.5:6 HN'1'l4'<sl—Tr 137,427 137 H.S.Coy'[Ag—cJ Sevnlia F -ral F-n CTNir Rank i,V?n,pl] A 15: MA I I8.1N U5 a F. ral flume Lom N.Y I•M1�•uQ 9i9,3ia RVY fVnl•rn97Y._V 00 4 A% VIA llm.09 4 30- Tr --95 I6 5 Faisal Hom ]nm Bank I lw M.cw 4 YJ WA 13ill1.w A 30: a0 m 395.03 ➢VY ly lum Tr ,95,615 Farcral llox Lum B3Amni I,CO3.w- 9W.80] ➢.l'Y WV 11 oTr 9Id lb I,CVO,Crll Eli? WA pN3]!]0 a 35�. ],00].00? 93T-0l BnY Wcslcm Tr 9Ta.Ra FNcral![rc paall W(F I,CW.m 9.O3R NIA O8�]E!]I C.cporalion[FiCO1 Iq,CW 9..p8 NIA WL'LIIB gwx 103.N3 LCCn313 KA .B s Tr I,CO3.75D im,aiR nmmmeank :o3.i5o a,99s,i9g rTnla lnnaiN ca.n Q,I92.m S i3 T]D.41] TREASURER'S MONTHLY REPORT treasrep MISCELLANEOUS AND TRUST ACCOUNTS I IIJ012GG6 OCTOBER 31, 2006 Yield Adjusted Par Value Coupon Raung Maturity to Maturity Cast Basis Category Total Total Invested Cash $ 67,223,675 $ 67,223,675 $ 67,223,675 Miscellaneous Accnunis Pciry Cash 2,925 NIA NIA open none 2,925 Revolving Fund- Bank of America 4,653 NIA NIA open none 4.653 Trust &Agency- Bank of America 1,369 201 NIA NIA open none 1,369,201 Downpayment Assistance(Housine Fund)- Nash mgton Mutual 33.482 variable NIA open 040% 33,482 Workers Compensation- Bank of America 5,005 NIA NIA open none 5.D05 1,415,264, Deposits Held In Trust Time Deposits (FDIC Insured) Downey 5&L(Cat Cyn Country Cub) 65,045 4.40% NIA 2/11/2007 4.40% 65,045 Downey 5&L(Donovan Bequest) 13,465 4.217. NIA IG1812006 4.21 e 13,465 Downey S&L(Palmer Cable Vq 5,019 4 40% NIA 1/18/2007 4.40% 5,019 Guaranty Bank(Coyote Springs Apt) 18,032 4.67% NIA 6/24/2007 4.67% 18,032 1G1,561 Total Cash Depostted $ 68,740,502 TREASURER'S MONTHLY REPORT W..p BOND ISSUE RESERVE, DEBT SERVICE&RELATED FUNDS 11nmv6 OCTOBER 31, 2006 Coopan Yield ,1tllu+md Im+mo poly] Prmr Qv P.Vabu Rue R 1-9 Rhoom, ro hfa[only Cn,1 Bvil C.,.,Tme1 R7arkc[Va[oe Souae hfazEu Va`ae 199[M') IM4 C.nurn Ce¢er Ail Gov mm:ol&Apcocy Pour Pnvalc 7 911,]63 .a nb[e AAA 4 83% 7.931,763 T,9]]T61 BUY 14'co-m Tr Sp 272 AIG m.eelmMAnul.L 128W3 136, AAA II.01Rs 5369,r 1280.673 1,280,673 BN Wcem Tr 1,28].M .41G 1,290.M 668% AAA ilmial 6.68E 12%,cm 1,290.0W BN IVurrmh 1,2w,000 NIBI.A 1n1rllnnfl Apucmenl 3.-9 .402 5 58% AAA 11A71135 5 58I 3,3W 4W 1.-B .4G2 MY Vle,lem]'r 1,360,402 ]3.802,838 ]S9Lll5 Airporz C k 1119 '.119 1,119 MT% cWun Tr 985 AL115hen Term Iovup'fry Aova1 [,]8fi 270 eanabk AiA open 4 89% 1 386,270 I,]Sfi 270 HW%VeY.,m Tr 1,301,788 1991ro[Scncs n HoLLsmg L.397,389 A2,1 Gorznuo.nl&AE,.Pen(1'rivale 4,139 va W% AAA open 4 80% 4,139 4.139 BN 3Vurzm Tr 4,123 A1G Lu,e mon A@aemrnl =mja) 5 22% AAA OH.W111 5 22, 468,M 4fi8, 6a BW 1Vulem fr 468,16 4;2,244 154.W&rul A&B ARf Gove=wm&Ancluy Pour Pnr•_le 3,264,761 v .ble AAA ofeo 4 88 a 3,2M.761 3,2M,761 HNT WIMIm Tr ],252,747 NfB1A LoYEVhl!+m Agacmml [,651 456 5.17% AAA 09431134 5 175 1,651,456 1,C 1,956 OW 154Y.em Tr [,651,456 4,916,217 1996 JAilople Capital F_:ktics Pa m Aal Gmxmmem&Agency Pori Pii we 1,024 vzriab'e AAA open 4.88% 1'0 4 1.024 BNY 1Ye,lem Tr 556,9fi2 AVBAC lit..,,A ercemcc. 1229,689 6403 AA 04mm 640%, 1'72%689 [,729,689 BNY Waicm Tr 1.729,689 0]I3 1998 AiN..lu GAIOI A1G b,v Vv :m Agr -Relcrvc 561721 530% AAA 011171128 570a 561,22[ 561221 BWwcvcrn Tr 561221 AMf Govemmen[&Agency Pour Pnvnle 277.589 'arable AAA o4eo a 88% 2n,589 2T7,589 ➢NY R'e¢cm Tr Z5,fi69 830.810 TREASURER'S MONTHLY REPORT BOND ISSUE RESERVE, DEBT SERVICE & RELATED FUNDS 1113006 OCTOBER 31, 2006 Cnaynn Y➢d Adj�wd Imcmo only} Pnor Qv Par 4zluc liam R=ncg Mammy to Mammy Co,1 Oasc C.¢"Tmal hfarl�t Vzlnc Source hlafstt Va_tix 1 Y 0 Ainna PPC AIG lmesmcm A,a. Rrsene 8A,T28 S.TD„ AAA 01MU29 5 7055 849,728 m'nfl ➢N %Vcrem Tr 849,728 AIM G.io:nlA,A,,,,Penr Pm_e 4ti,440 r.ble AAA o r 5 08%% 434,4zD Pz� 434,440 BNY 1Vc,,m Tr 366]]5 8A,168 ]598 Molupla Cpvzl lVazmwamr AAS Go.cmiu+et&A,cnry Pn¢r Pnrarc 303?55 ramble AAA open 409% 100,755 303,455 RW IVcW.Tr 348.611 300,75a 1998 1ssc•sm Dona 155 Ad AMf Goremmcm&Aeeney Pnnf Pnwm, 303,623 rnnable "A uP-n 4.88% 303,623 }00,62] D}Y N`cs!cm Tr '_92,503 '-93,623 20M Assn, m Di,uia l0]1158 ALN GOYemmcn[&ASCU l'oru Pn aie 1 1.1 2 .uiab'e AAA oP'o 4.88R ]]3 TOl 173,702 ONY 1V,,.Tr 173 063 [73,]W 2W2 P.A '&mcwa Cash 3 3 3 BN 14.um Tr 3 NM UG.e .-n[&A@euy font Parma 35,245 ramble AAA open a 88% 35.245 35 245 RNY 1 36,470 35 248 Z00`-Assxsmrnl Disc [61 AAS Gnrxruium&A, .,Peer Pmazc 4[0"185 raruble AAA vprn 4 B8% 410,m 410,185 0NW Wmeni Tr 409,2i0 410,78) 2008 A...s Di-nc[[fit GIs 0 0 0 BNl'VVes.. rr 54,328 AMt G.11. m&Ageney Pnrrr Prna¢ 345,436 +.viable AAA oP o 4 88'.4 345,=36 345,436 BN 1Ve,N.Tr 2a9,93I 343,416 2015 A•sa•mci¢P 1ss ic[164 AAS Gp mnnL&AgcnU Punt Pnram 580,353 .'Wb AAA open 4 08% 58D,363 3F1.363 RNY R4stem Tr 578,220 5F3,363 Tma9 5 26582,29[ 5 26,592.291 S 19.854.010 treasrep TREASURER'S MONTHLY REPORT 1v30I06 CALCULATION OF INVESTMENT LIMITATIONS OCTOBER 31, 2006 AIlowable Percentages By Maturity: Minimum Maximum Current Mo. 1 day to 365 days $8,000,000 NIA $34,150,500 1 year to 3 years 0.00% 50.00% 34.73% 3 years to 5 years 0.00% 30.00% 13.73% over 5 years NIA NIA 0.74% By Type of Investment: Bankers Acceptance - in total NIA 40.00% 0.00% Bankers Acceptance - single bank NIA 20.00% 0.00% Commercial Paper NIA 15.00% 0.00% Certificates of Deposit NIA 30.00% 3.72% Corporate Notes NIA 20.00% 4.42% Money Market Mutual Funds NIA 10.00% 0.00% Mortgage Pass Thra's NIA 10.00% 10.96% U.S. Government Agencies NIA 50.00% 40.51% U.S. Treasury Notes/Bonds NIA NIA 2.95°% r'Iw11doll of Wa111va6 A,Mnoncy Mwwc Fnrtmu Nn n( Ory,v C COv D'L_ OOrt �lYs 39,021 30022 39021 SSU,52G 39,= 19.021 ]I w0.000 3v 115 19021 94 94000 nW 19115 30021 94 94000WD 19101 39021 112 71000,000 39,om 19Uzi -19 0 39120 99,OJ 99 go DID 000 10133 i90]I 101 IOI,000000 9a 240 39 031 219 219 coo ON 39367 39,0'_1 JA6 1J60W,cC0 191A1 39,021 JW 1tl00W 000 30.111 19021 Im 595O3I'd 19263 39021 .42 1".57125D 39396 39031 363 181.91885o 39476 19 Uzi 451 45'_7361On 39 Ed' 99 n.1 521 .'11399290 39 600 19 021 579 504 940 090 19661 39021 WO 11.,569715 30 602 39 O'_I 071 36,03 1096 39 A45 39,02I A"_A 166 576 to 39,904 NIC.1 SA1 230 O1A 101 39753 190.1 712 C5809391.1 39 9G5 99 021 911 355 13A 152 40,051 39041 1036 458(0991"_ 59,114 30021 393 393 ON NO 39.111 39021 123 wCoo,000 39177 3902I 156 1.2Y WC No 39500 39021 N5 05000 NO 39 SI(. 39 O31 S(y 527 NO w 39 600 J9021 SHA SIR OOn n0C 39612 10031 WI 1119 AIM 115 39654 19021 633 316500000 39 668 39 0:1 Wl 641,000 000 19696 19021 675 675000 No 19aa 39031 727 5H 2"coo 19,160 39021 nY 7290W NO 30960 39021 7W 916000 CCo 39 781 19 031 766 766 000 00 39M 390:1 933 833 No 0.'D 39,91E 39031 897 CW 33d,160 39919 39021 916 916 M coo 19093 39021 VP 992 coo nn0 40 SSA 39 0.11 1 537 1,515 666.0 40179 39021 1,158 810 C69.315 10 w 30021 I N9 018;12,313 an 2f0 39021 1100 OUR W6211 40,299 39,021 1"_]A 1"_41 52A nqn 40 476 J'1 C.1 I 455 903 952 41A 40661 19021 1641 221983 A'_i 40135 99 M_1 I IIJ I 114 000000 10,142 39021 1121 560.500 NO i011, 39 OIL 1M 112Y OCC NO 40211 39031 I21n 1'_100nnnn0 40739 IQ(at 1758 1759 WO 000 13,196 3902I 4135 -U81,62995D 31402718 163 Tm1 Imenmull w C',1 1-1;.J 635 WAM'11 Dry, 467 14