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ALABAMA APPLESEED
Alabama Appleseed called on the legal profession at the State Bar’s annual meeting to lead the advocacy for a new Alabama constitution. State Bar
President Mark White, in opening Appleseed’s panel presentation on constitutional reform in Point Clear on July 16, said there is no more important responsibility
for lawyers today than to bring the constitutional foundation of the state into the 21 st century.
Mr. White read the Lawyers Oath and asked if lawyers knew what they were supporting when they
swore “to uphold the Constitution of the State of Alabama?” He quoted a number of provisions, including
the absolute prohibition on the use of tax dollars for any building of roads, sewers or bridges –
absent a constitutional amendment.
Appleseed’s Executive Director John Pickens said that a goal of Appleseed’s Constitutional Reform
Project is to engage the state’s entire legal community in a “historic engagement” of advocacy leading
to a new fundamental law.
Appleseed’s project director for constitutional reform, Craig Baab, commended the State Bar for its
continuing leadership in calling for a constitutional convention. Lawyers are best trained to cut through
all of the constitution’s verbiage to help educate the public about our constitution’s lack of transparency,
clarity, accountability and basic democracy.
Prof. Bryan Fair, who moderated the panel of experts, said that our 18 th century constitution, now over 800 pages and some 830 amendments long, was
written to consolidate power in a few wealthy hands at the expense of most Alabamians He circulated to the audience pocket –size copies of the U.S.
Constitution and the telephone-book size Alabama Constitution.
Fair, an African-American, said that not only was the 1901 constitution drafted to disenfranchise
people who looked like him, but that there were no black delegates, and no black person was
even allowed to speak.
Appleseed Board member Lisa Borden stressed the constitution’s language explicitly denying
“any right to education” while protecting the “right to hunt and fish.” The issue too often is discussed
in the context of raising taxes, instead of removing the current inequitable structure
which ties the hands of school administrators and teachers. Thus, Perry County can only allocate
$730 per student, but Homewood can allocate $8,300.
Robert Huffaker, a former member of the Alabama Citizens’ Commission for Constitutional
Professor Bryan Fair Introducing Panel
Reform, stressed the need for home rule. “Local folks ought to decide” how to run their own lives,
schools, businesses and government. He said that over 500 constitutional amendments deal with purely local matters, such as disposing of dead farm
animals in Limestone County. If citizens could run their own local affairs the legislature would be freed to do a better job of managing state affairs.
Appleseed’s Craig Baab
ALABAMAAPPLESEED
August 2009 www.alabamaappleseed.org
State Bar President Mark White.
August 2009 www.alabamaappleseed.org
A Historic Engagement for Alabama’s Lawyers
Appleseed Challenges Bar to Lead Effort for a Real Constitution
Jim Williams, the head of the Public Affairs Research Council of Alabama, told the overflow crowd of
150 that the constitution’s complete lack of uniform standards makes it difficult to fairly govern all Alabamians.
He said there some 35,000 local laws adopted by the legislature but those laws are not
readily available to all citizens.
The strongest statement of the need for a better constitution was Prof. Fair’s, who said that his compelling
interest in working for reform is to create a better community for his daughter and all of our
children.
Appleseed is coordinating the pro bono services of lawyers throughout the state to work on constitutional
reform. To join our advocacy team please immediately contact Craig Baab at
craig.baab@alabamaappleseed.org or (334) 263-0086.

Alabama Appleseed
Board of Directors
Cassandra W. Adams
Cumberland Community Mediation Center
Birmingham
Lisa W. Borden
Baker, Donelson, Bearman, Caldwell & Berkowitz,
P.C.
Birmingham
Brannon J. Buck
Badham & Buck, L.L.C.
Birmingham
Henry A. Callaway, III
Hand Arendall, LLC
Mobile
Richard P. Carmody
Adams & Reese, L.L.P.
Birmingham
David Davis
DavisDenny Advertising, Inc.
Birmingham
A. Jerome Dees
Jones School of Law
Montgomery
Patricia C. Diak
Haskell, Slaughter, Young & Rediker, LLC
Birmingham
Bryan K. Fair
University of Alabama School of Law
Tuscaloosa
Samuel H. Franklin
Lightfoot, Franklin & White, L.L.C.
Birmingham
A.H. “Nick” Gaede, Jr.
Vice-President & General Counsel BE&K. Inc.
Birmingham
Kesa M. Johnston
Oliver Kitchens, P.C.
Roanoke
Joe Alan Joseph
Burr & Forman L.L.P.
Birmingham
Mark LaGory
University of Alabama at Birmingham
Birmingham
Kimberly B. Martin
Bradley Arant Rose & White, L.L.C.
Huntsville
Derrick A. Mills
Marsh Rickard & Bryan, P.C.
Birmingham
Stephen C. Olen
Cunningham, Bounds, Crowder, Brown &
Breedlove
Mobile
Jerry F. Perkins, Jr.
Vulcan Materials Company
Birmingham
Robert D. Segall
Copeland Franco Screws & Gill, P.A.
Montgomery
Roman A. Shaul
Beasley, Allen, Crow, Methvin, Portis & Miles P.C.
Montgomery
David L. Silverstein, Board Chair
Bayer Properties, L.L.C.
Birmingham
www.alabamaappleseed.org
EXECUTIVE DIRECTOR’S COLUMN
Taking Myself Too Seriously
On more than one occasion I have been accused of being too serious – taking myself
too seriously – being a bit stern looking – or on occasion being unapproachable.
Hogwash!! People just don’t know me. So, even though we of Appleseed were engaged
in some very serious activities at the recent State Bar meeting at Point Clear John Pickens
(as the front page article of this newsletter shows), I had occasion to lighten up some
in the two days that I manned our promotional table. I thought you might get a kick out of seeing this whimsical
side of me.
For two days I viewed from afar the caricature artist, Deano, sketch kid after kid and adult after adult at his
corner of the promotional vendor area. He was doing these sketches free, courtesy of the State Bar. I noticed
everyone having a great time seeing for the first time their own caricature. So, when I saw there was
a lull in his business, I stepped over and asked him if he would draw my caricature. He readily obliged and
asked me if I had any hobbies or activities that I particularly liked. I told him I was
with Alabama Appleseed and asked him if he could sketch something with an apple
theme. Well, his artistic imagination fired up. I don’t know where he came up with
the curious-looking worm in the apple – perhaps it represents the unexpected surprise
that comes with almost each advocacy project we undertake. The bag of Appleseeds
– oh, yes, the seeds of justice that we sow!
Laughing heartily from my caricature likely put me in a whimsical mood as I sat at
our promotional booth and told people about Appleseed as they came by. During
this time I had noticed that the Bar had also arranged to have the Geico Gecko
roam around the conference area, cutting up with everyone and everyone making a big fuss over him/her.
My main response to the Gecko was to stroll over twice to the Geico booth to try and get for my grandchildren
a couple of stuffed animal Geico Geckos that I had seen all the kids with. But, I was too late and they
were out. But, then late in the day when the Geico Gecko was strolling by our booth, I unexpectedly
jumped up and asked for a picture – a perfect photo opp for Mr. Appleseed with the Gecko. So, here it is,
but please, like some have said, don’t tell me there is some resemblance between the Gecko and me.
Enough of sublime silliness and back to
seriousness. As you can see from reading
the articles in this newsletter, we at Appleseed
are about some serious business
– from advocating for a new state constitution
- to trying to eliminate payday lending
– to working hard to support comprehensive
health care and immigration reform
– to helping low-wealth, rural Alabamians
unravel generations of heirs to
get clear title to their real property. These
are important matters that are detrimentally
and unfairly affecting many Alabamians who lack privileges many of us enjoy, often go unrepresented
when things go wrong, and not infrequently have little or no voice to effectuate positive change. So, as the
summer draws to a close, we at Appleseed are back to sowing seeds of justice in order to make Alabama
a better place for all to live and work, and, yes, at times to play.
Founders Advisory Board:
Gov. Albert P. Brewer (Ret.) - Birmingham
John L. Carroll - Birmingham
Gregory S. Cusimano - Gadsden
J. Mason Davis - Birmingham
Judge John H. England - Tuscaloosa
Dudly C. Reynolds - Birmingham
Justice Janie L. Shores (Ret.) - Montrose
Chief Justice C.C. Torbert (Ret.) - Opelika
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ALABAMA APPLESEED BRIEFS
Our work this year has focused on documenting the plight of consumers in Alabama trapped by payday loan debt, recording abuses of the payday
lending industry, and researching viable alternatives to payday loans – specifically, as shown by the FDIC pilot, products and services that traditional
lending institutions may develop and market as part of their CRA activities.
Most any alternative to payday lending is preferable than these 400% interest short-term loans that trap customers in a cycle of high-cost debt.
The need for resources in low-wealth communities is very real. Hardworking and self-respecting people should not have to do without, plead for
help from their families, churches or charities, or turn to desperate
means of making ends meet. But rather than eliminate or
even alleviate these needs, payday lending only heightens
them, making desperate people more desperate. We support
policies that help create safe affordable resources for people
living paycheck to paycheck. A 36% annual interest rate cap
forces lenders to offer products that are more affordable, or give borrowers a reasonable amount of time to pay them off. The cap is the only policy
solution that has stopped predatory payday lending in 15 states plus DC, and prevented payday lenders from targeting military families.
This fall, on September 24th , Alabama Appleseed has developed and will host a High Cost Credit Summit in Montgomery, which will feature renowned
reform experts from the Consumer Federation of America and the Center for Responsible Lending, as well as state advocates from various
states who have developed successful reform campaigns in their states, and representatives from myriad social and legal networks who support
reform. The summit’s target audience includes key law and policy makers from Alabama who will be instrumental in obtaining necessary reform
measures to protect Alabama consumers. We are thankful to our friends at Alabama Arise, AARP/Alabama and the Alabama Poverty Project for
their contributions in planning and marketing this event.
SAVE THE DATE
SEPTEMBER 24TH
High Cost Credit Summit
Alabama Department of Archives and History
624 Washington Ave., Montgomery
Registration begins at 8:30
Program: 9:00 – 4:00
ATTENDANCE IS FREE
Featured speakers include:
Jean Ann Fox, Consumer Federation of America
Uriah King, Center for Responsible Lending
Hank Klein, AARP/Arkansas volunteer
Sue Berkowitz, S.C. Appleseed Legal Justice Ctr.
Rep. Patricia Todd, Alabama Legislature, Dist. 54
John Olsen, FDIC
Michael Milner, Federal Reserve
Coming this Fall: High Cost Credit Summit
In July, the Center for Responsible Lending (CRL), a nonprofit, nonpartisan research
and policy organization in Durham, NC, released a report entitled “Phantom Demand”.
This unprecedented report shows that the high demand that the payday lending
industry claims for their short-term 400%+ APR loans is not real; but, rather, a
sizeable majority of payday lending volume is generated by payday debt itself – borrowers
needing to open a new loan shortly after repaying a previous loan because
repayment left them with inadequate funds for other needs. In short, the industry’s
requirement of full repayment of the loan plus a sizable fee typically in two weeks
time, virtually guarantees that the customer will have another shortfall before their
next payday and have to come right back to re-borrow; thus explaining the $27 billion
dollar annual loan volume. Not bad for an industry that began in the 1990’s!
“Phantom Demand” documents for the first time the extent of rapid re-borrowing of
payday loans. A full three quarters of loan volume of the payday lending industry is
generated by borrowers who, after meeting the short-term due date of the loan, must
re-borrow before their next pay period. While repeat borrowing of what is marketed
as a short-term, small dollar loan has long been documented, this report verifies for
the first time how quickly most payday lending customers must turn around and reborrow
after paying off their previous loan. Among the over 80 percent of payday borrowers
who conduct multiple transactions: half open new loans at their first opportunity
(immediately or after a 24-hour or more waiting period in states where one is re-
quired); 87% within two weeks (generally before their next payday); and only 6 percent of repeat payday loans are taken out 30 days or more since
the previous loan was paid off.
Finally, there is documentation that refutes the industries claims that their products are simply “emergency loans” designed to get a borrower
through a troubled time - an unexpected expense - and back on their feet again. This report shows that most payday borrowers are not able to
clear a monthly billing cycle without borrowing again. This “churning” accounts for 76 percent of total loan volume, and for $20 billion of the industry's
$27 billion in annual loan originations. The 59 million churned loans per year by the national payday lending industry cost borrowers $3.5 billion
in fees.
To read this report in its entirety, please visit our website.
Payday Loan Demand: Real or “Phantom?”
www.alabamaappleseed.org
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Health Insurance Coverage Project Provides
Voice for Uninsured Alabamians
Our Health Insurance Coverage Project is on the move, and over the past few months we have
worked to advocate around the state and in Washington, D.C. for comprehensive healthcare reform.
Initially, this project’s sole focus was on state-level efforts to expand health insurance coverage to the
thousands of uninsured Alabamians. However, as healthcare reform has become a top national priority
for the Obama Administration and Congress, as well as the most likely way to increase coverage
for Alabamians, we have transformed our state-level program into an initiative to promote the passage
of national healthcare reform. Because of the complexity of the national reform discussion, we have
sought to help inform Alabamians through hosting public events on health reform and through publications
and interviews with news media. We have also maintained contact with Alabama’s delegation in
Congress, urging them to support comprehensive reform that will bring quality and affordable health
care to all Alabamians. Our core message on healthcare reform has been that “A healthy Alabama is
a prosperous Alabama.”
In early April, along with Alabama Arise, we hosted a rally at the Alabama State House as a part of
Atlanta attorney and health advocate Kathie McClure’s nationwide Purple Bus Tour supporting healthcare
reform (www.votehealthcare.org). In May, we worked to promote and participated in a healthcare summit in Dothan held by Congressman Bobby
Bright of Alabama’s 2 nd District. The well-attended summit featured speakers representing a wide range of interests in the healthcare debate including
government, non-profit and private enterprise. On July 2 nd , again with Alabama Arise, we planned and hosted a healthcare town hall meeting with 5 th
District Congressman Parker Griffith at the U.S. Space & Rocket Center in Huntsville. In true town hall form, the meeting was a spirited and engaging
event attended by more than 200 people eager to ask questions of and express their concerns to Congressman Griffith. Origionally scheduled for an
hour, the neeting actually stretched to nearly two and a half hours as Griffith and his constituents
continued their reform conversations face-to-face well after the formal presentation
ended. Also in July, we attended and participated in a healthcare forum hosted and moderated
by 7 th District Congressman Artur Davis at the Alys Stephens Center in Birmingham. At
this forum, attended by over 400 people, a diverse panel of Alabama experts from the healthcare
sector, large and small business interests and nonprofit and consumer advocacy agencies
fielded questions from the Congressman and the audience. Much of the evening’s discussion
focused on some of the more difficult and controversial aspects of proposed health
reform legislation such as financing health reform and the inclusion of a “public option” to
compete with private insurance companies. Each of these events was a success because
each engaged Alabamians in the healthcare reform conversation and demonstrated participants’
genuine interest in and general support for meaningful change.
Throughout the summer, we have also provided radio interviews, emailed weekly updates and
published Op-Ed articles in papers around the state, helping to de-mystify health reform and
Appleseed’s John Pickens at Statehouse Rally
keep Alabamians informed about the effort’s progress.
All of these events and activities have provided our health coverage initiative with unique and important
opportunities to represent Alabamians and advocate for meaningful healthcare reform. As the reform
debate becomes more focused in the coming weeks, we look forward to continuing to serve as a voice for
Alabama’s uninsured.
What You Can Do to Help Promote Healthcare Reform
Recently in Washington, D.C., we met individually with a number of Alabama’s Congressmen and their staffs.
From these meetings we learned that our Representatives and Senators are hearing almost exclusively from
constituents who oppose healthcare reform. It seems that many of these callers are not well-informed about
the true reform proposals and are reacting to scare messaging alleging “socialized medicine” and
“government rationing.” We do not believe that these voices are representative of Alabamian’s opinions on
reform efforts. However, while at the Capitol, we were told many times by Congressmen and their staffs that
it is critical in the coming weeks for them to hear from their constituents who support comprehensive healthcare
reform. Please call your Congressmen today to voice your support. To find up-to-date contact information
for Alabama’s Representatives and Senators in Congress, you may visit:
http://www.congressmerge.com/onlinedb/index.htm.
www.alabamaappleseed.org
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Immigration Policy Project on the Move
We are pleased to announce that Alabama Appleseed’s Immigration Policy project will continue thanks to a
generous grant made by the Four Freedoms Fund. This grant will support Shay Farley, Legal Director and
Zayne Smith, Immigration Policy Fellow, as we continue our advocacy efforts for the immigrant population of
Alabama and work to support the national movement for Comprehensive Immigration Reform, expand our outreach
and engage the Latino community throughout Alabama.
This year has been a busy year for Congress with the onset of a new president and the promise of a new direction for America. We have seen a few examples
of these promises in the form of Healthcare reform, clean energy and the nomination of our first Latina Supreme Court nominee. Perhaps one of the most controversial
and daunting pieces of legislation slated for debate late this year (or early next year) is Comprehensive Immigration Reform (CIR). Sen. Charles
Schumer (D-NY), Chairman of the Senate Immigration Subcommittee has announced that a comprehensive immigration bill will be presented to Congress by
Labor Day of this year.
In addition to a comprehensive bill, the White House has made multiple immigration related policy announcements in July. These include the launch of a revamped
287(g) program to more accurately reflect new ICE policies; federal contractors and subcontracts are now required to use E-Verify; and they rescinded
the ineffective No-Match rule requiring the Social Security Administration to notify employers that employees' social security numbers did not match. While this
move by the White House is a step in the right direction, this is only the tip of the iceberg when it comes to immigration reform.
In order for Alabama Appleseed to become an active leader in the national debate here in Alabama, we have joined Reform Immigration For America, a national
campaign consisting of hundreds of organizations and individuals from across the United States that support and advocate for immigrant rights. Shay
attended the launch of this campaign at a conference in Washington, D.C. where 36 states were represented and over 700 people participated. She was able to
meet with various Alabama Congressmen and their staffs, attend workshops and strategy sessions, and participated in a national town hall meeting that discussed
immigration reform.
Through our work and success of the “Welcoming Alabama” billboard campaign earlier this year, we were invited to join the Welcoming America Campaign.
This is a nation wide movement designed to create a welcoming atmosphere for new immigrants in communities across America through the use of positive
media campaigns, education of the non-immigrant communities, and the continued welcoming campaigns in various states. Recently, Shay attended a development
and strategy session in Denver, CO. to lay the groundwork and direction of this campaign.
Finally, due to our hard work and dedication to the immigrant community in Alabama, we were asked to help lead in building the capacity of immigrant groups
throughout the South by serving as a member of the Steering Committee of the South East Immigrants Rights Network (SEIRN). SEIRN represents many
groups and organizations that are primarily devoted to serving the immigrant population throughout the South East. While each organization maintains its own
identity and governance, a common vision is shared. That vision is for organizations and the immigrant population which they serve to collaborate together to
develop unified campaigns for change and strategies to shift the politics of the region in a positive direction.
$30 Million in Heir Property Found in Calhoun County
Appleseed Attends Uniform Law Commission National
Appleseed’s team of pro bono lawyers and law students have identified over 700 parcels of
land in Calhoun County that appear to be heir property with a tax assessed value of over $30
million. The team has similar studies underway in other counties to obtain a clearer picture of how much land in Alabama is heir property, and how the
owners can better access the value of their land. The result could be helping lower-income Alabamians use the value of their property now tied up in
legal knots.
Heir property – land conveyed from one generation to the next without a valid will – often is owned by many family members who frequently do not live
on the land and can’t afford to improve it. Similar work undertaken at Auburn University found that over $45 million of heir property in Macon County is
overwhelmingly owned by families living at or below the poverty level. The ability of those families to access the locked up wealth in their land could
help improve their economic lives.
Pro bono counsel leading this effort are Gray Borden of Lightfoot, Franklin & White, and Mel McElroy of Maynard Cooper & Gale. Law student interns
Laura Cade, Jackie Dulock and Dan Bruno worked directly with the Calhoun County revenue Commissioner in gathering and evaluating the data upon
which these results are based.
Craig Baab, Appleseed’s Heir Property Project Director, attended the July 13 plenary session of the Uniform Law Commission in Santa Fe, NM. The
commission undertook the first full review of a draft model state law that would help lower-wealth families retain their heir property and protect it from
abusive takings. The committee that prepared the draft is chaired by one of Alabama’s commissioners, Bob McCurley, head of the Alabama Law Institute.
Baab is an Official Observer to the work of the committee, and will advocate adoption of the resulting model law throughout the country.
Appleseed’s Heir Property Project is funded by the Mary Reynolds Babcock Foundation and the Kellogg Foundation.
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John Pickens, Odessa Woolfolk, Bill Smith
Appleseed’s Nick Gaede Commemorating 10th Anniversary
www.alabamaappleseed.org
2009 BREWER~TORBERT AWARD LUNCHEON
Honoree
Ms. Odessa Woolfolk
10th Anniversary Celebration of Alabama Appleseed
Odessa Woolfolk Addresses Luncheon Gathering
Appleseed Chair David Silverstein Addressing Luncheon Gathering
Cathy Crenshaw, Odessa Woolfolk, Marsha Folsom
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&

ALABAMA APPLESEED
April 30 th LUNCHEON SPONSORS
Alabama Appleseed’s Board of Directors wishes to extend our sincerest thanks to the following sponsors of this luncheon honoring
Odessa Woolfolk. In support of Alabama Appleseed, the event sponsors have pledged and donated $102,720. We are most
grateful for this support and for this expression of gratitude to Odessa Woolfolk for her untiring commitment to public service.
Platinum Sponsors - $10,000
Harbert Management Corporation Vulcan Materials Company
Cathy Crenshaw
Royal Cup Coffee
Silver Sponsors - $5,000
Bronze Sponsors - $2,500
Southern Poverty Law Center
White Arnold & Dowd
AT&T/Alabama Baker Donelson Bradley Arant Boult Cummings
Alabama Power Foundation
Bainbridge Mims Rogers & Smith
Bayer Properties
BBVA Compass
Birmingham Civil Rights Institute
Brasfield & Gorrie
Gov. Albert P. Brewer
Cowin Equipment Company
Cumberland School of Law
Energen/Alabama Gas Corporation
H. Brandt Ayers
Marian & Craig Baab
Birmingham News
Birmingham-Southern College
Lisa Borden
Delores Boyd
Brannon Buck
W. J. Cabaniss
Henry Callaway
Clarus Consulting Group
Chief Justice Sue Bell Cobb
Bob Corley
Greg Cusimano
Davenport, Lavette & Cleckler
David Davis
Patricia Diak
Shay Farley
Marsha Folsom
Frohsin & Barger
Edgar C. Gentle, III
Pewter Sponsors - $1,000
Mr. & Mrs. Nick Gaede
Mr. & Mrs. Mike Goodrich
Hand Arendall
Hare Wynn Newell & Newton
Haskell Slaughter Young & Rediker
Jefferson Cty. Committee/Econ. Development
Jemison Investment Co., Inc.
Joe Joseph
Magic City Bar Association
McWane Foundation
Individual Level Sponsors - $250
Ethel Hall
Majella Hamilton
Victor Hanson, III
Anna Holmes
Nicholas Holmes, Jr.
J. Gorman Houston
Walter Howlett, Jr.
K.L. Jackson
Kay & Ray Jacoby
Jones & Berry
Barbara Larson
Susan Livingston
W. Joseph Leuschke
Kim Martin
Rodney Max
Mayer Electric Supply Co.
Sue & Mickey McInnish
Julian McPhillips
Hugh J. Morgan, Jr.
Morris Haynes & Hornsby
Mobile County
Pro Assurance
Redden Mills & Clark
Robins & Morton
Spotswood, Sansom & Sansbury
Thompson Foundation
Judge & Mrs. Scott Vowell
UA School of Law
Whatley Drake & Kallas
Wayne Morse, Jr.
Robert E. Parsons
Jerry Perkins, Jr.
Donna & John Pickens
Cathy Randall
Mr. & Mrs. Dudley Reynolds
Bobby Segall
Roman Shaul
Janie L. Shores
Bobbie & Don Siegal
Herb Sklenar
Janice Smart
Carol Ann Smith, PC
Alyce Spruell
Belle Stoddard
Stone Granade & Crosby
James Terrell
UAB Administration
Wm. Michael Warren
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Post Office Box 4864
Montgomery, Alabama 36103-4864
ALABAMA APPLESEED
Post Office Box 4864
Montgomery, Alabama 36103-4864
ALABAMA APPLESEED STAFF:
Shay Farley, J.D.
Legal Director
For the latest news and updates, please join Alabama Appleseed’s Facebook
group page at http://www.facebook.com/s.php?q=alabamaappleseed, or visit
our website at www.alabamaappleseed.org.
Craig Baab, J.D.
Senior Fellow/Policy &
Development
Zayne Smith, J.D.
Immigration Policy Fellow
non-profit
U.S. poStAge
pAid
MontgoMerY, AL
perMit no. 210
Vaughan Branch, J.D.
Healthcare Policy Fellow
PAID
MONTGOMERY, AL
PERMIT NO. 210