2006-07-27 Work SessionITEMS FOR DISCUSSION
PACKET REVIEW
ASSEMBLY WORK SESSION
July 27, 2006 - 7:30 p.m.
Borough Conference Room
AGENDA
CITIZENS' COMMENTS (limited to three minutes per speaker)
1. Kodiak Branding and Marketing Committee Presentation
2. Area Wide /Non -area Wide Road Powers
3. Solarium Intermediate Care Facility
4. Credit Card Payments for Property Tax
PUBLIC HEARING
State of Alaska Alcoholic Beverage Control Board NE W A iquor License Application for Kodiak Lodge at Larsen
Bay, Lot 12 Marina View Drive,Larsen Bay, AK. (Applicant: Kodiak Lodge at Larsen Bay, Ltd.)
UNFINISHED BUSINESS
Resolution No. FY2007 -01 Authorizing the Paving of Roads in the Woodland Acres Paving Assessment District.
CONTRACTS
Kodiak Island Borough and City of Kodiak Animal Control Agreement.
ORDINANCES FOR INTRODUCTION
Ordinance No. FY2007 -04 Submitting to the Qualified Voters the Question of Establishing the Spruce Cape
Streetlights Service Area to Provide, Construction, Operation, and Maintenance of Streetlights in the Spruce
Cape Subdivision as reflected on the Attached Map.
Ordinance No. FY2007 -05 Authorizing the Borough to Issue General Obligation Bonds in the Principal Amount
of Not to Exceed $8,000,000 to Finance Planning, Design, and Construction of a New Swimming Pool and
Related Capital Improvements and to Submit the Question of the Issuance of Such Bonds to the Qualified Voters
of the Borough at the October 3, 2006 Regular Borough Election.
OTHER ITEMS
Appointment to the Personnel Advisory Board.
EXECUTIVE SESSION
Borough Manager's Evaluation.
MANAGER'S COMMENTS ON LEAVE
Ranney Aug 10 -12 (AML)
CLERK'S COMMENTS Selby Aug 10 -12 (AML)
Branson Sept 7 -15
MAYOR'S COMMENTS Oct 25-Jan 17 (Sabbatical)
ASSEMBLYMEMBER COMMENTS
27 7:30 a
7:30 p.m.
31 7:00 p.m.
3 1:30 p.m.
7:30 p.m.
5 9:00 a.m.
7 5:30 p.m.
11
1 CALENDAR
July 2006
Assembly Work Session - CR
City Council Regular Meeting - AC
School District Board Regular Meeting - AC
August 2006
Local Emergency Planning Committee Meeting - AC
Assembly Regular Meeting - AC
Facilities Use Discussion — KFRC CR
Gravel Task Force - CR
Cancelled City Council Work Session
9 7:30 p.m. Planning and Zoning Commission Work Session - CR
10 7:30 a.m. Assembly Work Session - CR
Cancelled City Council Regular Meeting
14 7:00 p.m. School District Board Work Session - SD /CR
16 7:30 p.m. Planning and Zoning Commission Regular Meeting - AC
17 7:30 p.m. Assembly Regular Meeting - AC
7:30 p.m. City Council Work Session - SD /CR
24 7:30 p.m. City Council Regular Meeting - AC
28 7:00 p.m. School District Board Regular Meeting - AC
31 7:30 p Assembly Work Session - CR
September 2006
4 Holiday Borough Offices Closed in Observance of the Labor Day Holiday
5:30 p.m. Gravel Task Force - CR
7 1:30 p.m. Local Emergency Planning Committee Meeting - AC
7:30 p.m. Assembly Regular Meeting - AC
7:00 p.m. School District Board Work Session - SD /CR
7:30 p.m. City Council Work Session - SD /CR
13 7:30 p.m. Planning and Zoning Commission Work Session - CR
14 7:3 a Assembly Work Session - CR
Cancelled City Council Regular Meeting
20 7:30 p.m. Planning and Zoning Commission Regular Meeting - AC
21 7:30 p.m. Assembly Regular Meeting - AC
25 7:00 p.m. School District Board Regular Meeting - AC
•
28 7:30 a.m. Assembly Work Session - CR
7:30 p.m. City Council Regular Meeting - AC
AC - Assembly Chambers
CR - Conference Room
SD /CR - School District Conference Room
AC /CR - Assembly Chambers Conference Room
C /CR - City Conference Room
D /CR - Hospital Doctors= Conference Room
H /PL - Hospital Physicians Library
KFRC- Kodiak Fisheries Research Center
BFH - Bayside Fire Hall
HC - Hospital Cafeteria
WBFH - Womens Bay Fire Hall
H /BR - Hospital Board Room
MHGR - Mental Health Group Room
H /DL - Hospital Doctors= Lounge
KHS - Kodiak High School
KODIAK ISLAND BOROUGH
WORK SESSION MEETING
Work Session Meeting of: 7/92-7 / c201?1
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9074867606 kodiak chamber ofcom 03:16:07 p.m. 07-20-2006 1 /1
KODIAK
_ = CHAMBER
OF COMMERCE
100 L. Marne Way, Suite 300, Kodiak Alaska 99615 • (907) 486 -5557 • FAX: (907) 486.7605
www.kudiak.org • Email: chamber(i4kodiak.urg
July 20, 2006
Rick Gifford, Borough Manager
Kodiak Island Borough
710 Mill Bay Road
Kodiak, AK 99615
Dear Rick,
KODIAK ISLAND BOROUGH
CLERICS OFFICE
COPIED TO: ✓
ASSEMBLY 'MAYOR
MANAGER / OTHER
Please consider this letter a request to make a presentation on the "Star of
Kodiak — Kodiak Branding and Marketing Committee" (a sub - committee of
the Kodiak Chamber of Commerce Comprehensive Economic
Development Strategy Committee) to the Kodiak Island Borough Assembly
work session on July 27, 2006.
The Kodiak Branding and Marketing Committee (KBMC) is in the process
of submitting a funding proposal to the Alaska Fisheries Marketing Board.
The criteria, as set out in their July RFP, requires a one - to-one cash match
and the KBMC is seeking funding from the Kodiak Island Borough to meet
their specifications.
If you require any additional Information, please do not hesitate to contact
me.
Thank you,
Debora King
Dedicated to Kodiak's Economic Future
Background
What is the Star of Kodiak?
[SCI W
in
J U L 2 4 2006
BOROUGH CLERK'S OFFICE
The Star of Kodiak is a community -based Quality Assurance Program for wild seafood products
originating from the Kodiak Region. Currently, the Kodiak Branding and Marketing Committee
(KBMC) is concentrating on marketing and promoting independent producers of value -added
salmon products.
The Kodiak Branding and Marketing Committee is a sub - committee of the Kodiak Chamber of
Commerce Comprehensive Economic Development Strategy Committee. It was formed in 2002
in response to plummeting salmon prices and the accompanying slump in the local economy.
Modeled after the Copper River salmon success, the program seeks to improve quality through
a certification program that is tied to the region, i.e. a piece of fish bearing the "Star of Kodiak"
sticker means that it is top quality AND that it is authentic Kodiak seafood.
Current Activities
Last year a quality assurance program was developed and introduced with limited success to
potential members. This year we are working with Chris Sannito, Wild Source, Inc. and Chuck
Crappo from FITC to revamp the program to make it more "user- friendly" without sacrificing
quality standards.
Many opportunities to promote the Star of Kodiak were utilized last year. Dave Kaplan, through
his film production company incorporated the Star of Kodiak into a number of film festival
venues in Sweden, Florida and Minnesota. We recently participated in the ASMI sponsored
cook -off in Anchorage as well as the local Taste of Kedia k -off held in early Jules The First
Salmon of the Season Celebration held at the Comfort Inn was co- sponsored y tTie Star of
Kodiak.
The KBMC is working on updating our website to make it more user - friendly, and informative.
Plans are underway to develop promotional and training materials for use by local vendors and
restaurants.
Future Activities
Plans to further enhance the Star of Kodiak program include:
• entering into agreements with local processor(s) to produce and inventory high quality
selected salmon products
• developing proactive marketing strategies and promotional packages to support sales
• developing additional marketing materials for local, regional, and national promotional
events
• Promotion through Alaska Travel Industry — Taste of Alaska media events, food shows, film
festivals
• Underwriting of Alaska Fisheries Report broadcast on state -wide public radio
• Educational outreach — presentations to culinary institutions, high -end restaurants on the
differences in salmon species and the difference between wild and farmed salmon
Proposed Budget
Item Description Budget
1. Production
• Samples — high end finished product
• Cold Storage /shipping
2. Market Development
• Restaurateur Workshops
• Marketing Materials incl. Design /printing
Request for Funding:
Kodiak Island Borough
Alaska Fisheries Marketing Board
$5,000
$2,000
$1,500
$10,000
3. Promotion
• Alaska Travel Industry — Taste of Alaska $4,000
• Alaska Fisheries Report — underwriting $5,000
• Promotional Events — 5 trips $20,000
• Educational Outreach $6,000
4. Project Management/Communications $36,500
5. Project Administration - Kodiak Chamber of Commerce $10,000
$100,000
STAR OF
KODIAK
Wild Alaska
Salmon
Nutrition Facts
Serving Size 100g (3.5 oz)
.rueura.a. Serving
Ca lodes 146 Calories from Fat 55
% Daily Paiute
Total Fat 6g 9%
Saturated Fat 1.5g 7%
Carbohydrates Omg 0%
Cholesterol 45mg 15%
Sodium 46mg 2%
Protein 22g
Vitamin A 2% • Vitamin C 2%
Calcium 4% • Iran 4%
. Percent Daily values are based on a 2,00D
calone diet Your daily values may be nigher
or lower depending on your calorie needs
Source' USDA Release 10, July 2003
STAR OF KODIAK Kodiak —the name evokes magnificent wildlife,
untamed expanses, and remarkably productive
waters. Powerful North Pacific currents sweep Alaska's vast coastline to converge in the bountiful waters
surrounding Kodiak Island. Each summer, great schools of salmon follow these currents from their dee
Pacific wintering grounds to Kodiak's eight hundred pristine rivers. The rugged men and women who fi5
these runs select only the finest and most robust fish for Star of Kodiak' wild salmon. They take pride
in carefully handling each fish to meet today's rigorous market standards for quality. Star of Kodiak salmon
offer a rare opportunity for a flavorful, healthy salmon fillet at an excellent value.
If you're looking for a salmon that
can do it all, look no further than
Star of KodiakTM Coho Salmon.
This wild, natural fish works well
in the full range of retail and food -
service applications, due to its size,
consistent color and relatively high
fat content. Combined with the
quality measures now employed by
Kodiak fishermen and processors,
these natural attributes make Star of
Kodiak cohos one of Alaska's most
versatile salmon.
With abundant natural harvests
and unsurpassed product quality,
Star of KodiakT"' Pink Salmon is one
of the best new discoveries on the
seafood market today. Its delicate
flavor and light pink color makes
it the perfect solution for markets
where mild fish is preferred. Unlike
larger salmon species, pink salmon
provide uniform fillet thickness and
natural portion sizing that works
beautifully anywhere, from upscale
restaurant preparations to home
cooked meals.
CO 2004 United Salmon Association,
Kodiak Chapter. Printed in USA.
Coho PRODUCT FORM: Fresh or frozen; fillets and fillet portions, pin bone -in or
Salmon pinbone - out, skin on or skinless. Available IQF and vacuum packed.
Oncorhynchus SIZE: Fillets average 2 to 3 pounds.
kisutch MEAT COLOR: Orange - red.
FLAVOR: Rich and flavorful.
COOKEDTEXWRE: Firm and moist.
OMEGA - 3: Contains 1g of omega -3 fatty acids per 100g. These oils have been
shown to be beneficial in the prevention of heart disease and other ailments.
SEASONALITY: Fresh: August through mid - September. Frozen: Year - round.
Pink PRODUCT FORM: Fresh or frozen fillets, pin bone -in or pin bone -out,
Salmon skin on or skinless. Available IQF and vacuum packed.
Oncorhynchus SIZE: Fillets average 12 ounces
gorbuscha MEAT COLOR: Rosy pink.
FLAVOR: Clean and delicate.
COOKED TEXTURE: Tender, with a fine flake.
OMEGA - 3: Contains 1g of omega -3 fatly acids perl%g. These oils have been
shown to be beneficial in the prevention of heart disease and other ailments.
SEASONALITY: Fresh: July through mid - August. Frozen: Year-round.
Contact us for more information about Star of Kodiak Wild Alaska Salmon:
United Salmon Association, Kodiak Chapter
P.O. Box 762, Kodiak, AK 99615
Tel: (907) 486 -6899 Fax: (907) 486 -7058 Email: usalmon @ptialaska.net
Nutrition Facts
Serving Size 100g (3.5 oz)
Amount Per aemna
Galories116 Calories from Fat 30
x Dale vamee
Total Fat 3.5g 5%
Saturated Fat 0.5g 3%
Carbohydrates Omg 0%
Cholesterol 17%
Sodium 67mg 3%
Protein 20g
Vitamin A 2% • Vitamin C'
Calcium'
Iron 4%
•
`contains less man 2% of this nutrient.
`'Percent Daily values are based one 2,000
talon diet. Your daily values maybe higher
lower depending on your calorie needs.
Source USDA, Release 16, Jul 2003.
STAR OF
KODIAK
Wild Alaska
Salmon
July 10, 2006
Kodiak Island Borough
Attention: Jerome Selby, Mayor
710 Mill Bay Road
Kodiak, AK 99615
Dear Mayor Selby:
Your organization has been so generous to the community in the past. We hope you will consider this
community need for your future plans.
A solarium — can you imagine the joy and peace the residents at our local Intermediate Care Unit would
experience basking in the sun any time of year. The solarium would be built onto the present building,
and would face the ocean next to a busy street where residents would be able to enjoy television, listen to
music, and watch activities on the ocean such as fishing boats, ships, and ferries, or even traffic along the
street. Over the past five years, I have secured technical drawings and permission and raised $32,484.
We need to raise approximately $75,000 to bring this private, much needed project to fruition. We have a
perfect spot at the hospital that will not hinder any future expansion and will only enhance the lives of
residents for many years to come.
The Intermediate Care Unit at the hospital has room for 19 patients who are currently eating in a dining
room with no window access. These same patients are crowded into a very small space to watch
television and do other activities. The residence rooms are mostly for two patients and have been filled
with a waiting list for several years.
If you are able to give to this private community project, an account has been set up at First National
Bank or checks may be made out to the Solarium Fund and sent to our address If you know of others
who may be interested in donating to this project, please pass this information onto them. If you know of
any grants or organizations I should contact or if you have any questions, please contact me at 907 -486-
4183. Thank you for your support.
Sincerely
,9 4
ren D. Halter, D.O.
Solarium Intermediate Care Facility
c/o Loren D. Halter, D.O.
104 Center Street, Suite 100
Kodiak, Alaska 99615
KODIAK ISLAND BOROUGH
CLERK'S OFFICE
COP D TO:
ASSEMBLY V MAYOR V
MANAGER_____PHE'R
ll JUL 1 2 2006 D
BOROUGH CLERK'S OFFICE
July 24, 2006
Kodiak Island Borough Assembly
710 Mill Bay Road
Kodiak, AK 99615
Dear Assembly Members:
Jackie Herter for Loren D. Halter, D.O.
Solarium Intermediate Care Facility
c/o Loren D. Halter, D.O.
104 Center Street, Suite 100
Kodiak, Alaska 99615 RECEgyE
JUL 2 4 2006
BOROUGH CLERK'S OFFICE
Thank you for allowing this project to be discussed on your Thursday, July 27th agenda. A copy of the
January 23, 2006, Kodiak Daily Mirror article is attached for further information. The Kodiak Hospital
Auxiliary has applied for a Rasmuson Foundation Tier 1 Grant for $25,000 and matching funds from you
might help with their approval as well as move the project further along and more quickly. We have
attached a copy of the grant application cover sheet and narrative to provide more details. The
Foundation is waiting for us to reapply with additional data.
According to Marya Nault, Betty Springhill's daughter, it was in approximately 1990 that her mother
started talking about a solarium to bring more quality of life to the ICF residents. Everyone associated
with this project has donated their time, materials, and costs with Dr. Halter bearing the largest portion,
and his continual discussions with all whom he comes into contact has kept it alive. In 2005, we lost
some momentum when a benefactor's estate decided not to contribute a large amount, but our enthusiasm
has been buoyed by the Lion's Club and all the individuals who have answered our individual letters by
contributing funds since.
We hope to have a written estimate from Mr. Knowles in time for your Thursday meeting. The costs
have increased so significantly in the past two years it has been difficult to state any figures with certainty
for very long When I first became involved, the cost was $50,000 and now ifs more like $150,000. The
Ardinger family is willing to contribute the indoor /outdoor carpeting and possibly we can have people
donate furniture with plaques and the name of their loved one on each item. The beauty of the project is
it will not interfere with any master plans and has had positive response from Don Rush, CEO and Bud
Cassidy, Borough Engineer.
If you are aware of any grants that would be applicable to such a project, please let us know and we will
do what it takes to apply. We are not experts at any of this process, but are willing to do what it takes to
bring a bit of sunshine into the lives of those people who are living out the rest of their time in a dreary
and almost windowless environment.
Solarium project hopes to come to Tight this spring
By KRISTEN INBODY
Mirror Writer
The 19 residents in the Inter-
mediate Care Unit at Providence
Kodiak Island Medical Center
spend their days in a world with-
out sunshine, Dr. Loren Halter
said.
They eat in a windowless din-
ing room, crowd into a small area
to watch television and double -up
in their rooms since the waiting
list is so long to get into the facil-
ity at the hospital.
"They don't see anything," Hal -
tPr said. "Give them some room."
its spring Halter would like
ee a solarium built in the hos-
pital, a plan that has been more
than a decade in the works. •
The solarium would give pa-
tients more room for music or
watching television and, for those
Solarium
Continued from Page 1
The patients all require 24 -hour
care they can't get at home. Sev-
eral have Alzheimer's disease;
many are elderly.
"These people are not candi-
dates to go any place," he said.
"They are here until they die."
One Ouzinkie woman lived
there 25 years.
It's too cold for the patients to
go outside, Halter said.
The fundraising campaign needs
another $45,000 .toward its
$75,000 goal.
The Kodiak Lions Club pledged
■ To contribute to the
solarium fund, send
checks to:
Solarium Intermediate
Care Fund
c/o Loren D. Halter, ^I
P.O. Box 2991
Kodiak, AK 99615
Funds also may be de-'
posited at ` First National
Bank into the solarium ac-
count, No, 7027- 7397.
still able to walk, a place to get
some exercise.
"They'd have a place to eat
where they could see the sunshine,
where they could see the traffic
and watch the ocean," he said.
> See SOLARIUM, Page 12
$25,000 for the project. Other
community groups, memorials and
individual contributions also con-
tributed several thousand for the
project.
Halter hopes to see work on the
solarium begin in May. It will be
built on an empty 23 -by- 27 foot
slab of concrete already at the hos-
pital.
Ken Knowles is slated to build
it.
"We're trying to do it on a bare
budget," he said..
The solarium was the dream of
SOLARIUM SITE — A proposed solarium for the ' hospital's
Intermediate Care Unit would be built this spring at an adjoin:
ing section of the building, shown here. Organizers hope tci
raise $45,000 this spring to fund the addition.
(Photo courtesy of Loren Halteri
hospital advisory board member
Betty Springfield, who died in 1997.
Halter said he has lived in Ko-
diak for 27 years and the project
so far has been "talk, talk, talk."
He's worked on the project for
two years, much of it spent in a
lengthy, frustrating process to get
borough approval to add to the
hospital, which the borough owns.
"We want to get it going," he
said.
Mirror writer Kristen Inbody
may be reached via e-mail at
kinbody @ kodiakdail ymirror. con.
RASt USON
FOUN1 AT'1ON
Legal name of organization
Address of organization
City
Fax number
Kodiak
Date of incorporation
Not available, began 1975
Organizational status IRS 501(c)(3)
X - new copy
Mission of organization
To communicate and support the ongoing needs of the Kodiak Island
Borough's hospital and the communities it serves.
Name of Chief Executive Officer Title
Lynda Ross, Board President
CEO telephone number CEO email address
907- 486 -6428
Kodiak Hospital Auxiliary
1915 E.Rexanof Drive
State
AK
Web -site address
Contact for this application Contact title
Loren D. Halter, D.O.
Application is Tier 1 Request Tier 2 Letter of Inquiry
X
Project budget
$ 100,000
Signature of authorized o ial (Board Chair or CEO)
:40
Typed N me
Lynda Ross
Fioancfat" ° Summa
r .;
Operating Revenue
Operating Expenses
Zip Code
Federal Tax 0 #
92- 0069141
Other (explain)
of letter on request
Contact telephone number Contact email address
907- 486 -4183 NPMC @ alaska.com
Amount requested
$ 25, 000
Date
r
MAY 1 5 2006
99615
Title
Board President
rCtUrretit Fiscal Year
Specific purpose for which funds are requested
Build a 23' x 27' solarium onto present Intermedicate Care Facility
at Kodiak's hospital to provide window and daylight access for 19
patients and their visitors while they dine, watch television, or
participate in other activities.
lLsstcomplete.fiscal, ear'(actual) f
Narrative
Brief history of organization: Kodiak Hospital Auxiliary has been in existence since 1975.
There are approximately 20 active members.
Services provided: The mission of the Kodiak Hospital Auxiliary is to develop and maintain
educational and other support programs to preserve and enhance our mission to communicate
and support the ongoing identified needs of the Kodiak Island Borough's hospital and the
communities it serves. The services we currently provide include presentations and speakers for
our member meetings, social events for our members and the community, appreciation events for
Kodiak Island Borough's hospital staff, annual scholarship award to two college students,
donations for extras needed at PKIMC, and fund- raising events to help pay for our activities.
The extras we provide to PKIMC include: aprons for residents at the Care Center wing of
PKIMC, birthday gifts for Care Center patients, flowers for dinner tables in the Care Center,
disposable cameras for new parents in the PKIMC maternity ward, subscriptions to children's
magazines for the PKIMC waiting room, big screen television for the Care Center, new furniture
for the PKIMC waiting room, and specialty pediatric equipment for PKIMC Physical Therapy
Department.
Geographical area served: The city and borough of Kodiak are located on Kodiak Island an
area 3,588 square miles along with six Native villages who also have residents in the Care
Center and who use the services of PKIMC.
Number of beneficiaries: The current Island population is approximately 15,000 people. Over
the life of the building, the benefit would cover generations to come.
Description of project: A solarium — can you imagine the joy and peace the residents at our
local PKIMC Intermediate Care Unit would experience basking in the sun any time of year. The
solarium would be built onto the present building, and would face the ocean next to a busy street
where residents would be able to enjoy television, listen to music, and watch activities on the
ocean such as fishing boats, ships, and ferries, or even traffic along the street. The structure
would be 23' by 27' and would be heated. Pictures and technical drawings to follow.
Identify need for project: The Intermediate Care Unit at the Kodiak Island hospital is the only
full -time 24 -hour intermediate care unit here in Kodiak. It has room for 19 patients who are
currently eating in a dining room with no window access. These same patients are crowded into
a very small space to watch television and do other activities. The residence rooms are mostly
for two patients and have been filled with a waiting list for several years.
Current status: On April 21, 2006 we met with Bud Cassidy, Kodiak Island Borough Engineer,
Stan Thompson, Director of Maintenance for Providence Kodiak Island Medical Center, and
Ken Knowles, general contractor viewing the two possible sites at the hospital. Mr. Cassidy will
research code compliance. The structure would be 24 feet by 16 feet, free - standing and not
attached to the hospital so it will not hinder any future expansion at the hospital.
Kodiak Hospital Auxiliary
Narrative
Page 2
Timeline for implementation: Based on funds collected, we would like to begin construction
as soon as possible with a three -month completion time frame.
Project total cost: $90- 100,000
Itemized list of specific project items and costs: Technical drawings, more specific
construction information, and an actual construction bid will be provided shortly by Mr. Ken
Knowles, a Kodiak general contractor.
The amount requested from Rasmuson Foundation: The amount we are requesting is the
maximum under the Tier 1 application of $25,000.
Sources and amounts of any project funds raised to date or pending and how the
organization anticipates raising the balance: The Kodiak Lions Club has generously pledged
$25,000, Kodiak Area Native Association has donated $1500, and local memorials have been
given to date for a total of $32,000. We have done two solicitations by mail funded by Dr. Loren
Halter to 80 organizations /individuals and plan to continue solicitations by mail. Dr. Loren
Halter, spouse of our Board Secretary, has done much personal campaigning over the past four
years and will continue to do so as he interacts with the community daily.
Credit card fees
Total Prop tax 70%
2003 34512.67 24,158.87
2004 33364.45 23,355.12
2005 45881.70 32,117.19
2006 56489.84 39,542.89
In October 2004 our credit card fee was 2.9%
As of September 2005 our credit card fee is 1.1%