Latest news with #HousingandEconomicDevelopmentCommittee
Yahoo
2 days ago
- Business
- Yahoo
Bills to help mobile park residents protect homes advance but funding remains an obstacle for some
(Photo by Getty Images) Building off of a law passed last year, the Maine Legislature has advanced a number of bills that aim to support mobile home park residents in purchasing their parks. The Senate voted in favor of two of these bills on Thursday. Others have already passed both chambers but still need to be funded. 'As legislators, we consistently hear that one of the top issues on the minds of Maine people is access to safe, affordable housing,' Sen. Chip Curry (D-Belfast), co-chair of the Housing and Economic Development Committee, said during a press conference following Thursday's votes. 'That's why our committee has been focused on two deeply connected challenges: how to build more housing in Maine, and just as urgently, how to protect the affordable housing we still have. It has become very clear to us that a critical component of this mission is protecting the residents of mobile home parks.' The upper chamber voted 25-7 on Thursday to pass LD 1145 — after much discussion and a motion to table the measure failed. This bill would give a group of mobile home owners or a mobile home owners' association the right of first refusal to purchase a mobile home park if the owner intends to sell. 'This bill is about giving Mainers a fighting chance, a chance to protect their homes, a chance to protect their communities,' Sen. Tim Nangle (D-Cumberland) said on the floor. Nangle's father bought a mobile home park in Massachusetts and ran it as a community, with the philosophy 'pay what you can and communicate,' Nangle said. Since his father died, he and his siblings have tried to keep that spirit alive, however they started getting calls from out-of-state private equity firms recently interested in purchasing. But Massachusetts has a right of first refusal law, so the park residents were afforded the time to purchase the park themselves. Last session, lawmakers passed a law that requires mobile home park owners to notify residents of their intent to sell and give them at least 60 days to make an offer. 'But it really didn't go far enough,' Nangle said. 'Right now, even if residents organize, raise the money and match or even exceed the offer, they can still be turned away with no explanation. The bill says, if you can match the offer, you have the right to pay.' The version passed by the Senate was amended to include an emergency preamble, which was the version also passed by the majority of the Housing and Economic Development Committee. If enacted as an emergency, which will require the support of two-thirds of the Legislature, the bill would take effect immediately. Having the bill take effect sooner would be beneficial for the newly created Friendly Village Cooperative, said cooperative president Dawn Beaulieu, a 30-year resident of the park. Residents formed the cooperative after being notified in March that the park was for sale. '[We] have since made a counteroffer to purchase the park,' Beaulieu said during the Thursday press conference. 'As of today, we are still waiting for a response to that offer. Our livelihoods should not be in the hands of an out-of-state conglomerate that sees us not as a community, but as an investment. The legislation being considered here in Augusta will help us put our fate in our own hands.' Whether other related bills become law will likely be a matter of funding priorities. Both chambers already backed LD 255, which would allocate $3 million in one-time funding to create the manufactured and mobile home park preservation and assistance program to help preserve parks as affordable housing and support residents in purchasing their parks. However, it now sits on the appropriations table, where bills with fiscal notes that are backed by the full Legislature are placed to vie for remaining funds after the budget is set. To save affordable housing, states promote resident-owned mobile home parks Though, the bill could still be funded in the two-year budget addition, which lawmakers have yet to set with less than two weeks remaining until their expected end date. That's also the case for LD 554, which aims to encourage resident-owned communities through tax deductions. Another bill, LD 1768, which would amend the real estate transfer tax in an effort to protect mobile home parks, has also been backed by both chambers. But it would result in a decrease to state revenue and need a one-time appropriation so it may also land on the table. On Wednesday, the Senate also passed LD 1016, which would establish the assistance program fund but also a fee to help with ongoing funding. The fee would be paid by certain park buyers equal to $10,000 for each lot in the community. 'I want to be very clear, I have no intention to de-incentivize the purchase of these parks by everyone,' said Sen. Cameron Reny (D-Lincoln), the bill sponsor. 'There are exceptions to this fee to state and municipal housing authorities, for resident owner cooperatives and for smaller businesses and individuals with net worths of less than $50 million.' However, Sen. Rick Bennett (R-Oxford), who supported the minority committee report recommending against the bill's passage, said he finds some of the carveouts troubling, specifically the one based on net worth. 'It is treating people unfairly based on an arbitrary amount of money that that person or entity owns,' Bennett said. 'I believe this is unconstitutional for that reason, although it's very well intentioned.' SUPPORT: YOU MAKE OUR WORK POSSIBLE
Yahoo
14-05-2025
- Business
- Yahoo
Maine lawmakers consider bill to stop mobile home park sales for three months
May 14—State lawmakers are considering a three-month moratorium on the sale of mobile home parks, a move that would disrupt at least two pending sales in Maine. Supporters say a pause on mobile home sales would allow lawmakers to evaluate a handful of mobile home-related bills, while also giving the residents of Friendly Village in Gorham a fair shot at purchasing their park. But opponents argue the stoppage would infringe on the rights of private property owners, and one would-be seller said it could sink a sale that is critical to both him and his tenants. Proposed by Sen. Chip Curry, D-Belfast, the bill would bar the sale of any mobile home park in Maine until Oct. 31. Because the bill is proposed as an emergency bill, it would go into effect immediately after passage, although it would require two-thirds majorities in both chambers. Some supporters suggested adding an exemption for residents trying to purchase their parks, as well as an extension of the moratorium through the end of the year. Curry told the Housing and Economic Development Committee that he updated the bill's language after hearing for months that the state is losing affordable housing to private equity investors looking to profit "and I would argue exploitatively" from low-income Mainers. Curry proposed the moratorium "to give us time to catch up on the regulatory environment so we can best protect our most vulnerable members of the community," he said. BILLS ON THE TABLE Mobile home parks in Maine and across the county are increasingly being purchased by out-of-state investors who then raise the monthly lot rents, in some cases by two or three times, according to national data. An estimated one-fifth of Maine's 468 licensed parks are now owned by out-of-state investors. Following passage of a 2023 "opportunity to purchase law," several communities, including those in Brunswick, Bangor and Monmouth, have formed cooperatives to purchase their parks. But more than twice as many have failed, even with offers just above those of the competition. Lawmakers are currently considering several bills to protect mobile homeowners, including one that would give residents the "right of first refusal" to purchase their park when it goes up for sale. Another would attach a hefty per-lot fee to the purchase of a community (on top of the purchase price) to be paid to MaineHousing to replenish a statewide program designed to help residents buy their parks. Resident-owned co-ops and affordable housing groups would be exempt from the fee. Another bill would eliminate the real estate transfer tax on sales of mobile home parks to resident buyers. The committee tabled two similar bills Tuesday that aim to prevent sudden and dramatic lot-rent increases. Rep. Cheryl Golek, D-Harpswell, who proposed one of the rent control bills, asked that committee members consider a freeze on mobile home rents if they decide to push her bill to next session. "These are people's lives that we're talking about," she said. "This is not a political, divided issue. We have hundreds and hundreds of people begging us ... to do something to protect them." A TALE OF TWO PARKS Dawn Beaulieu, a resident of Friendly Village for almost 30 years, said residents plan to submit an offer Monday — one that is higher than the $22 million offer from Crown Communities, the prospective buyer. But many sellers don't want to give up a sure sale in favor of an offer from residents who may struggle to pull the money together. "(The moratorium) would give us the amount of time we need to put a good faith motion forward with financing, to show them that they're still going to get what they're looking for," Beaulieu said. Nora Gosselin, director of resident acquisitions at the Cooperative Development Institute, said she's watched the Legislature this session approach the "complicated issue of mobile home park preservation with huge creativity and thoughtfulness." The institute assists residents who are trying to buy their parks. The bill, she said, would weave together the committee's work with Friendly Village's "Herculean" organizing efforts to buy the park. "A moratorium on large park transactions will allow the protections crafted by this committee ... to kick into effect in time to benefit the almost 300 households at Friendly Village," she said. But Michael Oneglia, the owner of two parks in Belfast, said the bill could kill a deal that he has spent tens of thousands of dollars and more than 10 months trying to close. Oneglia is under contract to sell Seacoast Village, a 22-lot park, and Hyland Estates, a 68-lot park, and is set to close in the coming weeks. Residents were not interested in purchasing the parks, he said, so he proceeded with a private sale. But if the moratorium goes into effect, "I will absolutely lose my buyer," he told the committee. "I have a personal situation where I need to sell and this will really screw things up for me and my tenants." If the deal falls through, Oneglia said, he would have to cut back the parks' services to just the essentials, dramatically lowering the standard of living for his tenants, who will pay the same amount of money while he recovers from the financial hit. "I just can't believe we're even at a point where we're talking about a moratorium of the sale of a private piece of property," he said. "It seems un-American and it's completely inappropriate." 'MORE HARM THAN GOOD' Others who opposed the moratorium bill, including many park owners like Oneglia, said a moratorium could devalue their properties and risks being an unconstitutional taking of property. Tina Marie Smith, vice president of State Manufactured Homes in Scarborough, said the bill was "created with unsubstantiated hysteria" and that it and the provisions being considered in the other bills threaten the future of their industry. She asked that legislators not paint all park owners with the same brush and consider families like hers who have owned the same park for generations. "You're systematically trying to remove what we all thought would be a generational legacy," she said. "I consider all of the legislation that has been unleashed upon us to be extremely one-sided." Sandra Hinkley, president of the Manufactured Housing Association of Maine and the owner of Maple Hill Estates, a 110-lot park in Mechanic Falls, said a moratorium would be "nothing short of imprisonment" for community owners in Maine. That bill, along with the other mobile home-related bills being considered, would punish people who have provided affordable housing in the state for decades, "threatening our property rights, devaluing our businesses and setting a precedent that the state can choose when and how we sell our businesses and to whom," she said. Hinkley suggested that if legislators are concerned about losing affordable housing, they work with MaineHousing to provide funding for park owners looking to expand. "(The moratorium) will do more harm than good and does not address the real objective, which is to create more housing," she said. Copy the Story Link We believe it's important to offer commenting on certain stories as a benefit to our readers. At its best, our comments sections can be a productive platform for readers to engage with our journalism, offer thoughts on coverage and issues, and drive conversation in a respectful, solutions-based way. It's a form of open discourse that can be useful to our community, public officials, journalists and others. We do not enable comments on everything — exceptions include most crime stories, and coverage involving personal tragedy or sensitive issues that invite personal attacks instead of thoughtful discussion. You can read more here about our commenting policy and terms of use. More information is also found on our FAQs. Show less
Yahoo
25-04-2025
- Business
- Yahoo
Mainers call on lawmakers to protect renters, boost housing production
Apr. 25—Mainers involved in every aspect of the housing market, from struggling renters and affordable housing advocates to landlords and developers, all urged lawmakers Friday to pass a slate of bills to address the state's critical shortage of dwellings. Proposals before lawmakers range from eviction-prevention programs to easing regulations to encourage more home construction. "We are in crisis and we need action that works," said Rep. Ambureen Rana, D-Bangor. In a daylong hearing, the Legislature's Housing and Economic Development Committee heard testimony Friday on eight bills designed to boost housing construction by reducing barriers, while also protecting housing access for the state's lowest-income residents. HOUSING AFFORDABILITY Last fall, Emily Barney was struggling. She had gotten behind on rent and tanked her credit score by using her credit card to pay bills. She had to pick and choose which payments to make "almost like financial triage," the Frankfort resident told lawmakers. Then she found the eviction-prevention program, a statewide pilot program that has provided funding to keep more than 800 families in their homes. The program "came through in a big way," Barney said. She and her daughter are once again housing secure. "I have been able to pay off my credit cards and pay my bills and slowly work on my credit score," she said in written testimony. "I have been able to save money to pay on future rent and I am able to sleep better at night, not worrying that I will wake up to my car being repossessed. I am able to keep our situation stable for us both." Barney testified in support of a bill presented by Rana, LD 1522, that would set up a $25 million fund to keep the program going. Rana called it one of the "most immediate and effective tools we have to stabilize Maine families." By helping people who are facing eviction, the program reduces the strain on shelters, health care systems, schools and the courts, and has already shown success, she said. When the program launched in November, more than 1,400 families signed up within the first month. Administrators quickly had to set up a waitlist. In total, more than 2,200 people have applied for assistance. Of those, 841 have received the subsidy, according to data from MaineHousing. Statewide, families on average have received $746 per month on top of an additional payment of $4,695 in back rent. A similar bill, LD 1287, proposed by Senate President Mattie Daughtry, D-Brunswick, would provide rental assistance as a way to bolster the state's workforce amid an ongoing labor shortage. The $1.9 million housing stability fund would provide up to $300 per month in rental assistance, again paid to the landlord, for people making 30% or less of the area's median income. Families would be limited to $3,000 in assistance in total. Sen. Jill Duson, D-Portland, who presented the bill on Daughtry's behalf, said the two issues — the workforce and housing — are deeply intertwined. "If folks don't have stable housing, it's difficult for them to maintain stable employment," she said. Both bills were widely supported by affordable housing advocates, as well as low-income and immigrant families. Heather Cameron, director of programs at ProsperityME, a nonprofit offering financial education for immigrant and refugee families, said in written testimony that stable housing allows families to continue contributing to their communities. "We must endeavor to change our perception of short-term support as a burden and view it as an investment in the future of Maine," she said. SAVING COSTS OR DISCOURAGING DEVELOPMENT? One bill designed to tackle one side of the problem — housing affordability — was instead criticized for discouraging development. Proposed by Sen. Donna Bailey, D-Saco, An Act Enabling Municipalities to Protect Tenants and Stabilize Rents provides a template for municipalities that choose to enact a rent control ordinance. For towns that adopt an ordinance meeting the criteria in the bill, a violation of the ordinance would be classified as an "unfair trade practice," a designation that would allow the municipality to ask the Office of the Maine Attorney General for help with enforcement. But the bill received near-unanimous disapproval during the hearing, largely from landlords who criticized what they said was an unreasonably strict model of rent control. Daniel Bernier, representing a handful of landlord associations across the state, said the proposal, which also would eliminate no-cause evictions or lease renewal refusals, would deter people from investing in or even building new rental properties in cities that choose to adopt the ordinance. Additionally, it would trigger a rush of rent increases as landlords hurry to raise rents before the new rules go into effect, he said. The bill would limit annual rent increases to 5% or the annual change in the consumer price index, whichever is less. HOUSING PRODUCTION Several bills were based on recommendations in a January report by HR&A Advisors, which included more than 40 suggestions for how Maine can tackle its housing crisis. The report, the third in a series, was intended to serve as a roadmap for lawmakers as they draft and consider new housing bills. A bill proposed by Sen. Rick Bennett, R-Oxford, would establish a working group to study "factory-made housing." Multiunit modular housing — an assembly-line, factory-style of construction — is becoming an increasingly attractive method of building for some developers thanks to lower building costs and faster turnaround times. "It's essential that we both lower the cost of housing and boost its production," Bennett said. Another proposal taken from the HR&A report would create a working group to study the regulatory barriers to construction. Similarly, a bill proposed by Rep. Traci Gere, D-Kennebunkport, would reduce municipal lot size minimums to 5,000 square feet in designated growth areas connected to public water and sewer service. Many communities have 1-acre lot minimums, so reducing the size would allow for denser development. The bill, LD 1247, would also limit local ordinances relating to lot coverage, road frontage and setbacks. "Our regulations prevent the creation of livable, walkable, affordable starter home neighborhoods," Gere said, calling the bill a commonsense step. "We must change the rules so that builders and developers can build the housing we need," she said. Copy the Story Link
Yahoo
18-03-2025
- Politics
- Yahoo
Maine homeless advocates, emergency shelters call for more state funding
Mar. 18—AUGUSTA — Advocates for the homeless and emergency shelter providers asked lawmakers for an increase in state funding Tuesday, saying shelters are struggling to meet demand and that without additional resources homelessness will worsen. A bill before the Legislature is proposing a $5 million annual increase to the state's Emergency Shelter and Housing Assistance Program, which is used to help cover operating expenses and services at 40 emergency shelters around the state. The program has been flat-funded in the state's general fund budget at $2.5 million since 2016, according to the bill's sponsor, Sen. Rachel Talbot Ross, D-Portland. "This bill is a practical, fiscally responsible step to prevent shelter closures and ensure that Maine's emergency response system remains functional," Talbot Ross told the Housing and Economic Development Committee during a public hearing. The program is just one piece of how shelters pay for their operating costs, contributing about $7 of the average per-night cost of operating a shelter bed in Maine, which is $102 per night, according to a recent study from MaineHousing. The remainder of shelter funding typically comes from fundraising, grants and municipal aid, according to Talbot Ross. Shelter providers as well as MaineHousing, an independent, quasi-governmental agency that works to address housing needs, testified in support of the bill, LD 698, on Tuesday, saying the increase in funding is needed to sustain operations amid rising costs and a persistent housing crisis. The $5 million increase would bring state funding to $19 of the $102 per bed nightly cost. But Gov. Janet Mills' administration has also warned that this is expected to be a tight budget year, and while no one testified against the bill Tuesday, the Governor's Office of Policy Innovation and the Future said in written testimony that the administration has been unable to identify sufficient revenues to fund the bill's proposal. While funding for the program has not increased in the state's baseline budget since 2016, the office wrote that the administration and Legislature have in recent years provided $15 million in one-time funding, authorized emergency funds for warming shelters and last year made $10 million available to ensure the continued viability of five low-barrier shelters. "We understand, however, that the 35 non-low-barrier shelters in the ESHAP network which did not benefit from last year's investment continue to struggle — as do their peers in states across the country — with highly limited budgets, rising costs and increasing needs," the office wrote. "We are committed to working with the Legislature, shelter providers, MaineHousing, and local and federal government agencies to identify a more sustainable financial path for the Maine's emergency shelters," it added. In addition to funding in the baseline budget, the program also gets federal support from Maine's HOME Fund, which is funded with a dedicated portion of the real estate transfer tax. Shelter providers and several formerly homeless Mainers testified that the increase in state funding is critical. Katie Spencer White, president and CEO of the Mid-Maine Homeless Shelter in Waterville, said emergency shelters are facing an "existential crisis" without new funding. She said her board recently approved a loan for $200,000 to help the shelter meet operating costs. "If we don't take out that loan, we will close," Spencer White said. "If we close, people will die. We've reversed 30 overdoses since Jan. 1... What we do matters and not just to the people of Waterville." Shelter operators said Tuesday that in addition to the funding from the state program, they also seek funding from municipalities, local businesses and churches and other philanthropic donors, and grant funding, but it can be difficult to cobble together enough. Some shelters utilize the state's General Assistance program to help pay for shelter nights, but Spencer White said her shelter and many shelters in smaller communities around Maine do not, in part because the program also requires a municipal reimbursement that can be burdensome for the communities the shelters are based in. Many people staying at shelters also don't qualify for General Assistance for reasons including, for example, if they have income from a disability or Social Security, Spencer White said. Karen Gonya, a board member at Homeless Services of Aroostook, which operates the only homeless shelter north of Bangor, said the organization served 216 adults and 18 children last year in its shelter programs, and helped 90 people with its warming shelter. "We are struggling right now to meet payroll," Gonya said. "We are limiting expenses, from basics like turning down heat to the more drastic step of cutting staff hours. But without more reliable funding, we are worried about the future of our shelter. It would be such a tremendous disservice to our region... to not have a homeless shelter." Lisa Franklin, a Portland resident who was formerly homeless for a year after leaving an abusive relationship, told the committee that it was her stay at the former Oxford Street Shelter that allowed her to access critical medical and social services and rebuild her life. "People of all ages, races and genders experience homelessness for a variety of reasons," Franklin said. "As the rate of homelessness continues to rise across our state, it is imperative that our homeless shelters remain open and funded." Copy the Story Link We believe it's important to offer commenting on certain stories as a benefit to our readers. At its best, our comments sections can be a productive platform for readers to engage with our journalism, offer thoughts on coverage and issues, and drive conversation in a respectful, solutions-based way. It's a form of open discourse that can be useful to our community, public officials, journalists and others. We do not enable comments on everything — exceptions include most crime stories, and coverage involving personal tragedy or sensitive issues that invite personal attacks instead of thoughtful discussion. You can read more here about our commenting policy and terms of use. More information is also found on our FAQs. Show less
Yahoo
18-03-2025
- Politics
- Yahoo
Maine homeless advocates, emergency shelters call for more state funding
Mar. 18—AUGUSTA — Advocates for the homeless and emergency shelter providers asked lawmakers for an increase in state funding Tuesday, saying shelters are struggling to meet demand and that without additional resources homelessness will worsen. A bill before the Legislature is proposing a $5 million annual increase to the state's Emergency Shelter and Housing Assistance Program, which is used to help cover operating expenses and services at 40 emergency shelters around the state. The program has been flat-funded in the state's general fund budget at $2.5 million since 2016, according to the bill's sponsor, Sen. Rachel Talbot Ross, D-Portland. "This bill is a practical, fiscally responsible step to prevent shelter closures and ensure that Maine's emergency response system remains functional," Talbot Ross told the Housing and Economic Development Committee during a public hearing. The program is just one piece of how shelters pay for their operating costs, contributing about $7 of the average per-night cost of operating a shelter bed in Maine, which is $102 per night, according to a recent study from MaineHousing. The remainder of shelter funding typically comes from fundraising, grants and municipal aid, according to Talbot Ross. Shelter providers as well as MaineHousing, an independent, quasi-governmental agency that works to address housing needs, testified in support of the bill, LD 698, on Tuesday, saying the increase in funding is needed to sustain operations amid rising costs and a persistent housing crisis. The $5 million increase would bring state funding to $19 of the $102 per bed nightly cost. But Gov. Janet Mills' administration has also warned that this is expected to be a tight budget year, and while no one testified against the bill Tuesday, the Governor's Office of Policy Innovation and the Future said in written testimony that the administration has been unable to identify sufficient revenues to fund the bill's proposal. While funding for the program has not increased in the state's baseline budget since 2016, the office wrote that the administration and Legislature have in recent years provided $15 million in one-time funding, authorized emergency funds for warming shelters and last year made $10 million available to ensure the continued viability of five low-barrier shelters. "We understand, however, that the 35 non-low-barrier shelters in the ESHAP network which did not benefit from last year's investment continue to struggle — as do their peers in states across the country — with highly limited budgets, rising costs and increasing needs," the office wrote. "We are committed to working with the Legislature, shelter providers, MaineHousing, and local and federal government agencies to identify a more sustainable financial path for the Maine's emergency shelters," it added. In addition to funding in the baseline budget, the program also gets federal support from Maine's HOME Fund, which is funded with a dedicated portion of the real estate transfer tax. Shelter providers and several formerly homeless Mainers testified that the increase in state funding is critical. Katie Spencer White, president and CEO of the Mid-Maine Homeless Shelter in Waterville, said emergency shelters are facing an "existential crisis" without new funding. She said her board recently approved a loan for $200,000 to help the shelter meet operating costs. "If we don't take out that loan, we will close," Spencer White said. "If we close, people will die. We've reversed 30 overdoses since Jan. 1... What we do matters and not just to the people of Waterville." Shelter operators said Tuesday that in addition to the funding from the state program, they also seek funding from municipalities, local businesses and churches and other philanthropic donors, and grant funding, but it can be difficult to cobble together enough. Some shelters utilize the state's General Assistance program to help pay for shelter nights, but Spencer White said her shelter and many shelters in smaller communities around Maine do not, in part because the program also requires a municipal reimbursement that can be burdensome for the communities the shelters are based in. Many people staying at shelters also don't qualify for General Assistance for reasons including, for example, if they have income from a disability or Social Security, Spencer White said. Karen Gonya, a board member at Homeless Services of Aroostook, which operates the only homeless shelter north of Bangor, said the organization served 216 adults and 18 children last year in its shelter programs, and helped 90 people with its warming shelter. "We are struggling right now to meet payroll," Gonya said. "We are limiting expenses, from basics like turning down heat to the more drastic step of cutting staff hours. But without more reliable funding, we are worried about the future of our shelter. It would be such a tremendous disservice to our region... to not have a homeless shelter." Lisa Franklin, a Portland resident who was formerly homeless for a year after leaving an abusive relationship, told the committee that it was her stay at the former Oxford Street Shelter that allowed her to access critical medical and social services and rebuild her life. "People of all ages, races and genders experience homelessness for a variety of reasons," Franklin said. "As the rate of homelessness continues to rise across our state, it is imperative that our homeless shelters remain open and funded." Copy the Story Link We believe it's important to offer commenting on certain stories as a benefit to our readers. At its best, our comments sections can be a productive platform for readers to engage with our journalism, offer thoughts on coverage and issues, and drive conversation in a respectful, solutions-based way. It's a form of open discourse that can be useful to our community, public officials, journalists and others. We do not enable comments on everything — exceptions include most crime stories, and coverage involving personal tragedy or sensitive issues that invite personal attacks instead of thoughtful discussion. You can read more here about our commenting policy and terms of use. More information is also found on our FAQs. Show less
