| Tuesday, October 23 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Greenbrier SD #47 | AR | Ref | *2,450 | 10 am C | Stephens | Friday Eldredge | 13-33 | --- | --- | --- | --- | BQ | Oct 16 |
| Arcadia | CA | GO Ref | *6,160 | 10 am P | Fieldman Rolapp | Stradling Yocca | 13-31 | --- | --- | AA+ | --- | BQ | Oct 5 |
| California | CA | GO Ref | *549,800 | 9 am P | Public Resources | Orrick Herrington | 13-32 | --- | A1 | A- | A- | --- | Oct 18 |
| Boulder Ctrl Area Imp Dt | CO | GO Ref | *7,810 | 12:30 pm E | Piper Jaffray | Kutak Rock | 13-23 | --- | Aa3 | AA- | AA- | --- | Oct 16 |
| P Milford | CT | GO | 23,390 | 12 pm E | Phoenix Advisors | Pullman & Comley | 13-32 | --- | Aa1 | --- | AA+ | --- | Oct 16 |
| Franklin Park Pk Dt | IL | GO Park | *940 | 11:30 am C | Springsted | Chapman & Cutler | 13 | --- | --- | --- | --- | BQ | Oct 1 |
| Baxter Springs | KS | GO | *1,820 | 11 am C | Ranson Financial | Gilmore & Bell | 13-22 | --- | --- | --- | --- | BQ | Oct 18 |
| Murray Elec Plant Bd | KY | Rev | 5,345 | 11 am E | J.J.B. Hilliard | Frost Brown | 13-32 | --- | A2 | --- | --- | BQ | Oct 18 |
| Shelby Co SD Fin Corp | KY | Sch Bldg Rev | *5,030 | 1 pm E | Ross Sinclaire | Steptoe & Johnson | 13-32 | --- | --- | --- | --- | BQ | Oct 19 |
| Wakefield (Town) | MA | GO Sch | *15,000 | 11 am E | FirstSouthwest | Edwards Wildman | 13-37 | --- | Aa2 | --- | --- | --- | Oct 16 |
| Worcester | MA | GO Muni Purp Loan | 72,133 | 11 am E | UniBank Fiscal Adv | Edwards Wildman | 13-37 | --- | Aa3 | A+ | AA- | --- | Oct 12 |
| Macomb County | MI | Tran Fund | *2,385 | 11 am E | Muni Fin Consultants | Axe & Ecklund | 13-19 | --- | --- | AAA | --- | --- | Oct 12 |
| East Grand Forks | MN | GO | 2,045 | 10 am C | Springsted | Dorsey & Whitney | 14-34 | --- | A1 | --- | --- | BQ | Sep 24 |
| Eden Prairie ISD #272 | MN | GO Sch Bldg Ref | *14,350 | 10 am C | Ehlers | Kennedy & Graven | 14-15 | --- | Aa1 | --- | --- | --- | Oct 4 |
| Mounds View ISD #621 | MN | GO Ref (Tax) | *30,035 | 11 am C | Springsted | Dorsey & Whitney | 15-24 | --- | --- | --- | --- | --- | Oct 1 |
| Polk County | MN | GO Ref | *1,035 | 10 am C | Public Fin Mgmt | Dorsey & Whitney | 14-18 | --- | --- | AA- | --- | BQ | Oct 15 |
| Holly Springs (Town) | NC | GO Ref | *11,360 | 11 am E | Davenport | Sanford Holshouser | 14-37 | --- | Aa2 | AA | --- | --- | Oct 18 |
| Holly Springs (Town) | NC | GO | 12,000 | 11 am E | Davenport | Sanford Holshouser | 14-33 | --- | Aa2 | AA | --- | --- | Oct 18 |
| Northfield | NJ | GO | 4,650 | 11 am E | Phoenix Advisors | Fleishman Daniels | 13-27 | --- | --- | --- | --- | BQ | Oct 15 |
| Cattaraugus-Little Vly Ctrl SD | NY | Sch Dist | 463 | 11 am E | Fiscal Adv & Mkt | Orrick Herrington | 13-17 | --- | --- | --- | --- | --- | Oct 17 |
| Sullivan | NY | Pub Imp | *2,384 | 11 am E | Fiscal Adv & Mkt | Orrick Herrington | 13-28 | --- | Aa3 | --- | --- | BQ | Oct 17 |
| Fremont | OH | Limited Tax | *760 | 11 am E | Sudsina & Assoc | Squire Sanders | 13-24 | --- | Aa3 | --- | --- | BQ | Oct 19 |
| Springfield Twp | PA | GO | *4,685 | 11:45 am E | Public Fin Mgmt | Dilworth Paxson | 14-32 | --- | --- | --- | --- | BQ | Oct 19 |
| Charleston Co SD | SC | GO | 62,060 | 11 am E | Public Fin Mgmt | Haynsworth Sinkler | 13-16 | --- | Aa1 | AA+ | --- | --- | Oct 16 |
| Williamsburg County | SC | GO Ref | *1,925 | 11 am E | Southwest Securities | McNair Law Firm | 13-20 | --- | --- | A | --- | BQ | Oct 18 |
| Euless | TX | GO Ref | *9,085 | 10 am C | FirstSouthwest | Fulbright & Jaworski | 13-27 | --- | Aa2 | --- | --- | --- | Oct 12 |
| Georgetown | TX | GO | *12,500 | 9:30 am C | Specialized Pub Fin | McCall Parkhurst | 14-37 | --- | --- | AA+ | --- | --- | Oct 17 |
| Greenhawe Wtr Cntr & Imp Dt #2 | TX | Unltd Tax | 1,500 | 11 am C | Southwest Securities | McCall Parkhurst | 13-32 | --- | Baa2 | --- | --- | BQ | Oct 17 |
| Rockwall County | TX | Unltd Tax | *23,740 | 10 am C | FirstSouthwest | Bracewell & Giuliani | 15-33 | --- | Aa2 | AA | --- | --- | Oct 11 |
| North Thurston Pub Schs | WA | GO Ref | *37,785 | 8:30 am P | D.A. Davidson | Pacifica Law Group | 12-25 | --- | Aa1 | --- | --- | --- | Oct 16 |
| Kiel | WI | GO Prom | 2,705 | 11 am C | Ehlers | Quarles & Brady | 13-22 | --- | --- | --- | --- | BQ | Oct 16 |
| Manitowoc Pub SD | WI | GO Prom | 1,035 | 9:30 am C | Robert W. Baird | Quarles & Brady | 21 | --- | Aa2 | --- | --- | BQ | Oct 16 |
| Milwaukee Area Tech Coll | WI | GO Prom | 1,500 | 10 am C | Robert W. Baird | Michael Best | 13-17 | --- | Aa1 | --- | --- | --- | Oct 18 |
| Oshkosh | WI | Water Sys Rev | *5,570 | 10 am C | Ehlers | Chapman & Cutler | 14-32 | --- | Aa3 | --- | --- | --- | Oct 18 |
| Oshkosh | WI | Swr Sys Rev | *6,460 | 10 am C | Ehlers | Chapman & Cutler | 13-32 | --- | Aa3 | --- | --- | --- | Oct 18 |
| Wednesday, October 24 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Fairfield-Suisun USD | CA | GO Ref | *52,990 | 8:35 am P | Govt Fin Strategies | Kronick Moskovitz | 13-28 | --- | Aa2 | --- | --- | --- | Oct 19 |
| Jeffersonville | IN | Bond Antic | 4,000 | 11 am E | Umbaugh | Ice Miller | 17 | --- | --- | --- | --- | --- | Oct 18 |
| Princeton | IN | Bond Antic | 1,480 | 1 pm E | Umbaugh | Ice Miller | 17 | --- | --- | --- | --- | BQ | Oct 22 |
| Metropolitan Council | MN | GO Ref | *24,590 | 10 am C | Springsted | Kennedy & Graven | 14-28 | --- | Aaa | AAA | --- | --- | Oct 1 |
| Metropolitan Council | MN | Grant Antic | *100,000 | 11 am C | Springsted | Kennedy & Graven | 14-16 | --- | Aaa | AAA | --- | --- | Oct 1 |
| Metropolitan Council | MN | GO Ref | *119,415 | 10 am C | Springsted | Kennedy & Graven | 16-28 | --- | Aaa | AAA | --- | --- | Oct 1 |
| Columbia | SC | GO | *6,425 | 11 am E | Merchant Capital | Haynsworth Sinkler | 13-22 | --- | Aa1 | AA | --- | --- | Oct 18 |
| P Virginia Pub Sch Auth | VA | Sch Fin | *61,780 | 11 am E | BB&T Cap Mkts | Sidley Austin | 13-41 | --- | Aa1 | AA+ | AA+ | --- | Oct 18 |
| King Co Rural Lib Dt | WA | GO Ref | *49,785 | 8:30 am P | SDM Advisors | Gottlieb Fisher | 21-24 | --- | --- | AA | --- | --- | Oct 16 |
| Little Chute Vlg | WI | GO Prom | *6,230 | 10 am C | Ehlers | Quarles & Brady | 13-22 | --- | --- | --- | --- | BQ | Oct 18 |
| Thursday, October 25 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Iowa BOR | IA | Bldg | 27,750 | 10 am C | Springsted | Ahlers & Cooney | 14-33 | --- | Aa1 | --- | --- | --- | Oct 9 |
| Winnebago County | IL | GO | *1,680 | 10:30 am C | Speer Financial | Foley & Lardner | 20-31 | --- | --- | --- | --- | --- | Oct 15 |
| Winnebago County | IL | GO | *4,300 | 10 am C | Speer Financial | Foley & Lardner | 20-31 | --- | --- | --- | --- | --- | Oct 15 |
| Kentucky Rural Wtr Fin | KY | Ref & Imp | *11,755 | 11:30 am E | Raymond James | MK | Rubin & Hays | 14-44 | --- | --- | A+ | --- | --- | Oct 17 |
| Wayne Co SD Fin Corp | KY | Ref | *575 | 11 am E | J.J.B. Hilliard | Steptoe & Johnson | 13-18 | --- | --- | --- | --- | BQ | Oct 19 |
| Wayne Co SD Fin Corp | KY | Sch Bldg Ref Rev | *7,045 | 11 am E | J.J.B. Hilliard | Steptoe & Johnson | 13-25 | --- | --- | --- | --- | BQ | Oct 19 |
| Longmeadow (Town) | MA | GO Muni Purp Loan | *7,100 | 11 am E | UniBank Fiscal Adv | Edwards Wildman | 14-22 | --- | --- | --- | --- | BQ | Oct 22 |
| Kalkaska Pub Schs | MI | Sch Imp | 650 | 1 pm E | Stauder Barch | Thrun Law Firm | 14-22 | --- | --- | --- | --- | BQ | Oct 16 |
| New Ulm ISD #88 | MN | GO Sch Bldg Ref | *2,110 | 10:30 am C | Springsted | Knutson Flynn | 14-16 | --- | --- | --- | --- | BQ | Oct 1 |
| Westmoreland Ctrl SD | NY | Sch Dist | 205 | 11 am E | Bernard P. Donegan | Timothy R. McGill | 13-17 | --- | --- | --- | --- | BQ | Oct 18 |
| Berkeley Co SD | SC | GO Ref | *37,370 | 11 am E | Southwest Securities | McNair Law Firm | 13-21 | --- | --- | AA | --- | --- | Oct 22 |
| Harris Co MUD #290 | TX | Unltd Tax | 6,425 | 11 am C | FirstSouthwest | Allen Boone | 14-37 | --- | --- | BBB | --- | BQ | Oct 17 |
| Oakmont Pub Util Dt | TX | Unltd Tax | 3,160 | 11 am C | RBC Capital Mkts | Coats Rose | 14-37 | --- | --- | BBB- | --- | BQ | Oct 17 |
| Salt Lake County | UT | GO Ref (Tax) | *38,215 | 9:30 am M | Zions Bank Pub Fin | Ballard Spahr | 13-21 | --- | Aaa | --- | --- | --- | Oct 19 |
| Port Washington | WI | GO | 1,030 | 10 am C | Wisconsin Pub Fin | Quarles & Brady | 13-27 | --- | --- | --- | --- | BQ | Oct 16 |
| Monday, October 29 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Cunningham | KS | GO | *665 | 11 am C | Ranson Financial | Gilmore & Bell | 13-27 | --- | --- | --- | --- | BQ | Oct 22 |
| Ewen Trout Creek Cons SD | MI | Ref | *4,590 | 1:30 pm E | Stauder Barch | Thrun Law Firm | 15-25 | --- | --- | --- | --- | BQ | Oct 18 |
| St Cloud | MN | GO Tax Increment Ref | *740 | 10 am C | Springsted | Dorsey & Whitney | 14-31 | --- | --- | --- | --- | BQ | Oct 1 |
| St Cloud | MN | GO Tax Increment Ref | *4,565 | 10 am C | Springsted | Dorsey & Whitney | 18-21 | --- | --- | --- | --- | BQ | Oct 1 |
| Washington County | TN | GO Sch | *1,850 | 11:30 am E | Raymond James | MK | Bass Berry | 14-20 | --- | --- | --- | --- | BQ | Today |
| Luxemburg-Casco SD | WI | GO Ref | *1,700 | 9:30 am C | Robert W. Baird | Quarles & Brady | 13-25 | --- | --- | --- | --- | BQ | Oct 19 |
| Tuesday, October 30 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Maui County | HI | GO | *70,115 | 11:30 am E | C.M. de Crinis | Hawkins Delafield | 13-32 | --- | Aa1 | AA+ | AA+ | --- | Today |
| Marshfield (Town) | MA | GO Muni Purp Loan | 35,647 | 11 am E | Eastern Bk Muni Fin | Edwards Wildman | 13-32 | --- | --- | --- | --- | --- | Oct 17 |
| Washington Suburban San Dt | MD | Pub Imp | 250,000 | 11 am E | Public Advisory | --- | --- | --- | --- | --- | --- | --- | Oct 18 |
| Farmington ISD #192 | MN | GO Sch Bldg Ref | 14,945 | 10 am C | Ehlers | Knutson Flynn | 16-20 | --- | --- | --- | --- | --- | Oct 12 |
| Beaver Co ISD #128 | OK | Trans Equipment | 400 | 6 pm C | Stephen L. Smith | Phillips Murrah | 14-17 | --- | --- | --- | --- | BQ | Oct 19 |
| Garvin Co ISD #72 | OK | Transp | 250 | 12:45 pm C | Stephen H. McDonald | State Atty General | 16-17 | --- | --- | --- | --- | BQ | Oct 17 |
| Pawnee Co ISD #1 | OK | Trans Equipment | 300 | 12 pm C | Stephen L. Smith | Phillips Murrah | 14 | --- | --- | --- | --- | BQ | Oct 19 |
| Corvallis | OR | Ref | *11,550 | 10 am P | Western Fin Group | Mersereau Shannon | 13-20 | --- | Aa3 | --- | --- | --- | Today |
| Virginia Hsg Dev Auth | VA | Rental Hsg | *10,700 | 11 am E | Municipal Official | Hunton & Williams | 14-42 | --- | Aa1 | AA+ | --- | --- | Today |
| San Juan County | WA | GO & Ref | *4,605 | --- | SDM Advisors | K&L Gates | --- | --- | --- | --- | --- | --- | Oct 18 |
| Cumberland | WI | GO Ref | 1,540 | 11 am C | Ehlers | Fryberger Buchanan | 13-23 | --- | --- | --- | --- | BQ | Oct 11 |
| Madison | WI | Swr Sys Rev | *9,500 | 10:30 am C | Springsted | Kutak Rock | 13-27 | --- | --- | --- | --- | --- | Oct 1 |
| Plymouth | WI | GO Corp Purp | *4,560 | 10 am C | Ehlers | Quarles & Brady | 13-23 | --- | --- | --- | --- | BQ | Oct 22 |
| Wednesday, October 31 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Poyen SD #1 | AR | Ref | *1,105 | 10 am C | Stephens | Friday Eldredge | 14-39 | --- | --- | --- | --- | BQ | Today |
| Freetown Lakeville Reg SD | MA | GO Ref | *2,545 | 11 am E | UniBank Fiscal Adv | Edwards Wildman | 14-23 | --- | --- | --- | --- | BQ | Oct 18 |
| Michigan | MI | GO Ref | *96,320 | 11 am E | Robert W. Baird | --- | --- | --- | --- | --- | --- | --- | Today |
| Mandan | ND | Ref Imp | *5,155 | 10 am C | Dougherty | Steven L. Vogelpohl | 14-28 | --- | --- | --- | --- | BQ | Oct 22 |
| Oneida CSD | NY | Sch Dist | 305 | 11 am E | Fiscal Adv & Mkt | Orrick Herrington | 13-17 | --- | --- | --- | --- | BQ | Oct 22 |
| Texas Co ISD #61 | OK | Bldg | 1,100 | 12 pm C | Stephen L. Smith | Phillips Murrah | 14-17 | --- | --- | --- | --- | BQ | Today |
| Thursday, November 1 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Northeastern Illinois Univ BOT | IL | Certs of Part | *28,465 | 10 am C | John S Vincent | Chapman & Cutler | 14-41 | --- | A2 | A- | --- | --- | Today |
| Old Tappan Borough | NJ | Gen Imp | 1,780 | 11 am E | --- | Rogut McCarthy | 13-23 | --- | Aa2 | --- | --- | --- | Oct 18 |
| Harris Montgomery Cos MUD #386 | TX | Unltd Tax | 23,260 | 12 pm C | RBC Capital Mkts | --- | --- | --- | --- | --- | --- | --- | Oct 19 |
| Monday, November 5 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Dubuque | IA | GO (Tax) | *1,050 | 11 am C | Piper Jaffray | Ahlers & Cooney | 15-22 | --- | Aa1 | --- | --- | --- | Oct 18 |
| Dubuque | IA | GO Urban Renewal | *2,420 | 11 am C | Piper Jaffray | Ahlers & Cooney | 15-32 | --- | Aa1 | --- | --- | --- | Oct 18 |
| Dubuque | IA | GO | *3,695 | 11 am C | Piper Jaffray | Ahlers & Cooney | 14-32 | --- | Aa1 | --- | --- | --- | Oct 18 |
| Dubuque | IA | GO Ref (Tax) | *7,340 | 11 am C | Piper Jaffray | Ahlers & Cooney | 13-21 | --- | Aa1 | --- | --- | --- | Oct 18 |
| Grand Forks | ND | Wtr Rev | *3,920 | 10 am C | Springsted | --- | 13-32 | --- | --- | --- | --- | --- | Oct 9 |
| Grand Forks | ND | Ref & Imp | *5,655 | 10 am C | Springsted | --- | 13-33 | --- | --- | --- | --- | --- | Oct 9 |
| Brown Deer Vlg | WI | GO Corp Purp | 1,365 | 10 am C | Robert W. Baird | Quarles & Brady | 13-32 | --- | --- | --- | --- | BQ | Oct 19 |
| Brown Deer Vlg | WI | GO Ref (Tax) | 5,480 | 10 am C | Robert W. Baird | Quarles & Brady | 13-28 | --- | --- | --- | --- | --- | Oct 19 |
| La Crosse County | WI | GO Prom | *2,150 | 10:30 am C | Springsted | --- | 13-17 | --- | --- | --- | --- | BQ | Oct 9 |
| Trempealeau Vlg | WI | Bond Antic | *2,900 | 11 am C | Ehlers | Quarles & Brady | 14 | --- | --- | --- | --- | BQ | Oct 19 |
| Thursday, November 8 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Nevada Comm SD | IA | GO Sch | *6,400 | 1:30 pm C | Piper Jaffray | Ahlers & Cooney | 13-32 | --- | --- | --- | --- | BQ | Oct 11 |
| Plainview-Elgin ISD #2899 | MN | GO Ref | *3,970 | 10 am C | Springsted | Knutson Flynn | 17-27 | --- | --- | --- | --- | BQ | Oct 16 |
| Denton Co Fresh Wtr Supp Dt #7 | TX | Unltd Tax | 5,250 | 11 am C | FirstSouthwest | --- | 16-37 | --- | --- | --- | --- | BQ | Today |
| Tuesday, November 13 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Rochester ISD #535 | MN | COPs | *17,410 | 10 am C | Springsted | --- | 14-29 | --- | --- | --- | --- | --- | Oct 22 |
| Lamar Co Wtr Supply Dt | TX | Wtr Sys Rev | 3,865 | 11 am C | Southwest Securities | --- | --- | --- | --- | --- | --- | BQ | Oct 19 |
| Monday, November 19 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Iowa Western Comm Coll | IA | New Jobs Training (Tax) | 1,770 | 9:30 am C | Piper Jaffray | Ahlers & Cooney | 13 | --- | Aa1 | --- | --- | --- | Oct 19 |
| St Peter ISD #508 | MN | GO Ref | *765 | 10 am C | Springsted | --- | 14-17 | --- | --- | --- | --- | BQ | Oct 22 |
| Oak Ridge North | TX | Tax & Rev Certs | 3,125 | 11 am C | GMS Group | --- | --- | --- | --- | --- | --- | --- | Oct 17 |
| Tuesday, November 27 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Madison | WI | Wtr Util Rev | *21,095 | 10 am C | Springsted | --- | 14-33 | --- | --- | --- | --- | --- | Oct 16 |
| Monday, December 3 | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Brainerd | MN | GO Imp | *1,150 | 10 am C | Springsted | --- | 14-23 | --- | --- | --- | --- | BQ | Oct 22 |
| Day to Day | |||||||||||||
| Issuer | St | Description | Amount ($000s) | Time of Sale | Financial Adviser | Legal Opinion | Maturing | Insurer | Mdy's | S & P | Fitch | Bank -Qual. | Latest Details |
| Florida BOE | FL | Lottery Rev | *115,000 | --- | Division of Bond Fin | --- | --- | --- | --- | --- | --- | --- | Oct 4 |
Competitive Bond Sales
October 23, 2012, 1:00 a.m. EDT 11 Min Read
