MAY 2016

SAFETY Resources, seminars and more to keep you & your jobsite safe p. 12

HOUSING STARTS Your resource for locally relevant economic data p. 13

EDUCATION Changes to the housing industry effects more than just builders p.15

EVENTS Stay Current with our Current Events p. 10

SOUTHWEST MONTANA BUILDING INDUSTRY ASSOCIATION 1716 West Main Street, Suite 8-G, Bozeman, MT 59715 (406) 585-8181 www.swmbia.org

Thanks to Cavallini

Construction

& The Paint Factory,

Playhouses on Parade

is proud to donate to

Tiny Tails K-9 Pet Rescue

of Manhattan!

Easton Concrete First Interstate Bank *Harvey’s Plumbing & Heating, Inc. *Hometown Heating & Cooling, Inc. Impact Drafting & Design, Inc. Sincere thanks to all the SWMBIA members for your continued business and support. We look forward to working with you in the future! Keller Supply Kitchen & Bath Showcase Little Stinkers Septic Service Montana Paint, Inc. State Farm Insurance – Brad Dawes TJ Electric, Inc. Wiening Landscape, Inc.

*Indicates Issues Fund Contributors

RENEWING MEMBERS BUILDERS: Big Sky Build Bridger Peak Homes *Clair W. Daines, Inc. Keith Fraser Construction Rosa-Johnson Development, LLC *S X S Land & Development, LLC Specializing in sporting properties in the west. Teton Heritage Builders, Inc. The Highlands/The Knolls at Hillcrest

ASSOCIATES: *Al’s Big Sky Water Conditioning Bank of Bozeman Boise Cascade BMDD Cashman Nursery DADCO Concrete Foundations Inc.

Thank you to all our General Contractors for a great 2015. We look forward to working with more SWMBIA Members on your custom home foundations. (406) 388-7531

3 DO BUSINESS WITH A MEMBER

CONTENTS NEWSLETTER MAY 2016

4 PRESIDENT’S LETTER Chairman Brian Popiel shares his thoughts on current association happenings and relevant industry issues.

5 SPIKE CLUB The true champions of NAHB! Check out our current member spike ranking and see how you stack up with your

fellow members!

5 MEMBERSHIP UPDATES View new members.

12 EDUCATION Information about upcoming education opportunities

12 GRIP SAFETY Get the latest on safety from MBIA Safety Specialists!

P. 11, 13

13 HOUSING STARTS See what is happening here in Bozeman!

We want YOU on the radio! Each Monday, SWMBIA is on KMMS 1450AM from

7:30am-8am. This is a great opportunity to briefly share your business and services, your thoughts on issues

facing the industry and much, much more. Call the Office at 585-8181 to be on the radio!

Mitch Simkins August 16, 1958 - April 21, 2016

Our deepest condolences to the family and friends of Mitch. He will be missed.

Parade of Homes Builders to date: Bridger Peak Construction

Constructive Solutions, Inc. CT Construction

Fishcamp Custom LLC Higher Standard Homes

Keith Fraser Construction (2 entries) Kirchhoff Construction

Norton Ranch Home Pioneer Crossing

Trimbach Builders LLC ZM Construction

September 10, 11, 16, 17, 18, 2016 The Best of What’s New!

4 DO BUSINESS WITH A MEMBER

PRESIDENT’S LETTER

UPDATE

All About the Remodeling Industry

Measuring the Industry Tracking the remodeling market has changed significantly since the Census Bureau discontinued a primary data source for measuring remodeling expenditures in 2007. The discontinued Resident ial Improvements program provided i n f o r m a t i o n s e p a r a t e l y f o r owner-occupied units and rental units. Within these two categories expenditures were shown separately for major improvements versus maintenance and repairs. Of these four categories, owner-occupied improvements typically accounted for a little more than half of all expenditures, which is now derived f r om the Census Bureau ’s Construction Spending program. NAHB has adopted this other data source as the basis for a remodeling forecast, while lobbying the Census Bureau for a replacement program to provide a fuller accounting of the remodeling industry. As a result, NAHB remodeling forecasts now cover roughly half of all expenditures

previously tracked by the Census Bureau. How is the remodeling market outlook? Americans spent $116 billion on improvements to owner-occupied units in 2013, down from a peak of $146 billion in 2006. NAHB’s remodeling forecast expects these expenditures to increase gradually as the broader housing market recovers. Beyond general recovery in the housing market, key factors driving increases in remodeling expenditures will include: the aging housing stock, needed aging in place remodeling work, and increasing interest in improving home efficiency and green remodeling. Who remodels? According to the 2009 HUD/Census A m er i c a n H ou s i ng Su r v e y , households under the age of 35 account for 11 percent of the money spent by home owners on professional remodeling jobs. Home owners between the ages of 35 and 44 account for 22 percent, home owners between the ages of 45 and 54 for 24 percent, home owners be-

tween the age of 55 and 64 for 23 percent, and homeowners 65 or older for 20 percent. What are the most popular remodeling jobs? According to NAHB surveys, the top jobs ordered by popularity are: Bathroom remodeling Kitchen remodeling Windows/doors replacement Handyman services Room additions Whole house remodeling Decks Insurance repair Roofing Finished basements Siding Enclosed/added porch Who are remodelers? According to NAHB’s latest member census, a typical residential remodeler has an average of 6 employees and does a little more than half a million of remodeling per year. Seven percent are female, and 54 percent have completed college or have an advanced degree.

BRIAN POPIEL ARETE BUILDERS/ RESOURCE SITE SERVICES

MAY IS NATIONAL REMODELING MONTH!

DO BUSINESS WITH A MEMBER 5

SPIKES By recruiting, involving and retaining members, SPIKES strengthen and build our Association.

Statesmen (500-1000) Tim Dean 533 Spikes

Super Spike (250-500) Eugene Graf IV 257 Spikes

Royal Spike (150-249) Byron Anderson 212 Spikes John Miller 211 Spikes Dennis Cattin 184 Spikes Clair W. Daines 181 Spikes David Andreassi 160 Spikes Jim Syth 158 Spikes Anders Lewendal 152 Spikes

Red Spike (100-149) Kevin Click 137 Spikes Bill Fiedler 124 Spikes Greg Vidmar 119 Spikes Rob Evans 114 Spikes Eric Roset 113 Spikes Beth Zeman 104 Spikes Eugene Graf III 103 Spikes Richard Smith 103 Spikes David Graham 103 Spikes

Green Spike (50-99) Chuck Graden 96 Spikes J.D. Engle 92 Spikes Nathan Albrecht 92 Spikes Loren Olsen 77 Spikes Frank Armknecht 64 Spikes Guy Graham 59 Spikes Steve Armknecht 57 Spikes Ken Vidar 51 Spikes

Life Spike (25-49) Adrian Vaughn 49 Spikes Jon Moullet 48 Spikes Keith Fraser 44 Spikes Sally Hickey 40 Spikes Ron Hinds 37 Spikes Dean Derby 28 Spikes Mike Thompson 25 Spikes

Blue Spikes (6-24) Ken Eiden 16 Spikes Leif Sundeen 15 Spikes Jeri Norris 11 Spikes Darryl Seymour 10 Spikes Tim Rote 8 Spikes Erica Renslow 8 Spikes Brian Popiel 8 Spikes

NEW MEMBERS

BUILDERS: Blueridge Homes Richard Carvalho Carolyn Campbell 1627 West Main Suite 335 Bozeman MT 59715 (406) 580-7906 blueridge@montana.com www.blueridgehomesinc.com Davidson Custom Builders Ben Davidson 541 N. Bozeman Ave. Bozeman, MT 59715 (406) 539-1548 davidsoncustombuild-ers@yahoo.com www.davidsoncustombuilders.com ASSOCIATES: Billion Auto Group/JC Billion Nissan Dave Waddell 380 Automotive Drive Bozeman, MT 59718 (406) 577-1282 dwaddell@billionautogroup.com www.billionautogroup.com Billion Auto Group of Bozeman represents Buick, Chrysler, Dodge, Jeep, GMC, Ram and Nissan products with certified parts and service across all lines. We also have a large inventory of previously owned vehicles. We have three certified fleet consultants for GMC, Ram and Nissan commercial vehicles with expertise to ensure that you are matched with the appropriate vehicles and programs to deliver the highest value to your company. We are distributors of Adrian Steel products to meet all of your up fit needs. Our fleet service department has “next bay” availability, which means your vehicle will be looked at by the next available technician to keep your downtime to a mini-mum. Our honest and transparent approach to commercial vehicle sales makes the buying process simple and easy, and it demonstrates our commit-ment to our commercial customers. Don’t hesitate to call Dave Waddell at (406) 577-1282, Terry O’Reilly at (406) 577-1280 or Bob Galiger at (406) 582-5559. Dave’s Lock & Key James Hanna 210 N. 7

th Avenue

Bozeman, MT 59715 (406) 586-5187 james@daveslockandkey.com www.daveslockandkey.com Dave’s Lock & Key has been providing professional locksmithing ser-vices to residences and businesses in Gallatin County from the same location since 1956. We provide standard locks, access control, door closers, exit devices and much more. With over 35 years combined experience, the lock-smiths at Dave’s can help you with almost any hardware or security need.

Continued on next page...

SWMBIA’s Luke Howard & Membership Chairman Leif Sundeen (Kenyon Noble) share

the many benefits of membership at our recent Member Benefits Orientation.

6 DO BUSINESS WITH A MEMBER

Fireplace Center of Bozeman, Inc. Paul Koelzer 112 Laura Louise Lane, Ste 4 Bozeman, MT 59718-9251 (406) 522-9160 paul@fireplacectr.com Sponsored by Craig Kirchhoff Gallatin Valley Concrete, Inc. Jared Schroeder 71 Broken Horn Drive Bozeman, MT 59718 (406) 624-0673 gallatinvalleyconcrete@gmail.com Sponsored by Kirchhoff Construction, Inc. Specializing in custom, spec and commercial founda-tion and excavation around the Gallatin Valley. Montana Gutter Solutions, LLC Joshua Skattum 2138 East River Road Livingston, MT 59047 (406) 222-0846 info@guttermontana.biz

Sunrise Heating & Cooling LLC Travis L. Jordan PO Box 6519 Bozeman, MT 59771 (406) 587-3310 travis@sunriseheatingandcooling.com http://www.sunriseheat.com/index.asp AFFILIATES: Security Title Company Michael Aragon 600 South 19

th Avenue

Bozeman, MT 59718 (406) 580-5113 maragon@sectitle.com www.sectitle.com Sponsored by Beth Zeman

NEW MEMBERS, Continued...

Find us on Facebook!

DO BUSINESS WITH A MEMBER 7

DO BUSINESS WITH A MEMBER 8

PLAYHOUSES ON PARADE

RAFFLE WINNERS:

―Child’s Rustic Cabin Playhouse‖ by Cavallini Construction won by Lance Johnson of Bozeman ―Powder Hound Chalet‖ dog house by The Paint Factory won by Travis Kamp of Bozeman ―Rustic Cabin for the Family Dog‖ by Cavallini

Construction won by Christina Adams of Belgrade

WE ARE VERY HAPPY TO DONATE TO:

DO BUSINESS WITH A MEMBER 13

Regulation: 24.3 Percent of the Average New Home Price BY PAUL EMRATH A new NAHB study shows that, on average, regulations imposed by government at all levels account for 24.3 percent of the final price of a new single-family home built for sale. Three-fifths of this—14.6 percent of the final house price—is due to a higher price for a finished lot resulting from regulations imposed during the lot’s development. The other two-fifths—9.7 percent of the house price—is the result of costs incurred by the builder after purchasing the finished lot. NAHB’s previous 2011 estimates were fairly similar, showing that regulation on average accounted for a quarter of a home’s price. However, the price of new homes increased substantially in the interim. Applying percentages from NAHB’s studies to Census data on new home prices produces an estimate that regulatory costs in an average home built for sale went from $65,224 to $84,671—a 29.8 percent increase during the roughly five-year span between NAHB’s 2011 and 2016 estimates. In comparison, during that time, disposable income per capita in the U.S. increased by 14.4 percent. In other words, the cost of regulation in the price of a

new home is rising more than twice as fast as the average American’s ability to pay for it. The above estimates are based largely on questions included in the survey for the March 2016 NAHB/Wells Fargo Housing Market Index, combined with long-run assumptions about average construction times, interest rates, profit margins, etc. The survey questionnaire and an appendix describing each additional assumption and the data on which it’s based can be found in the full study. The full study also contains substantial additional detail on the different types of regulatory costs and where and how they impact the development-construction process. Learn more at http://www.eyeonhousing.org

DO BUSINESS WITH A MEMBER 10

EDUCATION 12

GRIP SAFETY

MBIA

Sean Lawler & Mike Rocchio GRIP Safety Specialists

Call Sean or Mike at (406) 442-4479 or visit www.montanabia.com for

more information.

Nationally recognized as a

top safety program!

June 15th Forklift Certification

Registration is required! To register,

please call Sean (406) 4479 or Mike (406) 459-1308

Also available by request:

Forklift Operator, Excavation/Trenching, Competent Person Scaffolding Certification,

Powder Actuated Tools, Aerial Lift Certification, Hazard Communication (SDS), Back & Lifting

Safety, Defensive Driving, Skid Steer Certification, and Electrical Safety

ECONOMICS 13

HOUSING STARTS

Winter Newsletter is here!

If you can’t find the Building Division’s most recent newsletter at www.bozeman.net, never fear, SWMBIA always shares the information at www.swmbia.org and to our FaceBook page. Of course, you can also give us a call and we’ll try to round up the info you are looking for.

www.bozeman.net

14 MEMBERS OF THE MONTH

MEMBERS OF THE MONTH HOME EXPO COMMITTEES

Department at Kenyon Noble Lumber &

Hardware in Bozeman, and his graphic art

skills and design creativity help SWMBIA

promote the Home Expo to prospective

exhibitors and attendees. Bridger and his wife

have 4 children, and Bridger’s hometown is Wolf

Point, Montana. SWMBIA is very grateful to

Bridger and to Kenyon Noble Lumber &

Hardware for their generous support of

SWMBIA!!!

Beth Zeman, Expo Committee Chairperson, has been committed to improving the Expo since 2008. We think her dedication is evident from the continued success of the Expo. Beth is Escrow Officer at Security Title Company in Livingston where she lives with her husband and two sons. Her ―we can do it‖ attitude and creative solutions have been instrumental in the growth and popularity of the Home Expo. Beth’s contributions to SWMBIA include being a past Board member and a past Affiliate of the Year recipient. Sincere thanks to Beth for her enthusiasm and her commitment to SWMBIA!!

Allan Hathaway played a crucial role in the smooth operation of the Home Expo this year. Move in and move out are an important part of the Home Expo experience for the exhibitors, and when it is well organized, everyone benefits. Thanks to Allan, all the move in and move out activities were handled without major problems or difficulties. Allan is the owner of A. S. Hathaway Construction, and he has been building quality homes in the area for over 20 years. In addition to Allan’s valuable assistance, we were fortunate to have his daughters, Holly and Hannah, helping with numerous Expo tasks as well. A BIG thanks to the Hathaways!!!

Katy Reasoner is a valuable Home Expo Committee member as well as a Mortgage Loan Processor at Opportunity Bank of Montana. She spent two years at a title company prior to starting with Opportunity Bank. A native of Montana, Katy has lived all over the United States. She and her two children are happy to be back in Montana enjoying everything it has to offer. They enjoy camping, hiking, fishing and cross country skiing.

Home Expo Committee Chair: Beth Zeman, SecurityTitle Co. Committee: Allan Hathaway, A.S. Hathaway

Construction, Inc. Gil Silva, American Land Title Co. Katy Reasoner, Opportunity Bank Bridger Nelson, Kenyon Noble Lumber &

Hardware

Playhouses on Parade Committee Chair: Gina Marshall, US Bank Committee: Mike Hennessy, First Interstate Bank Crystal Fiedler, Distinctive Lighting Blake Silha, US Bank

Members of the month continued on Page 19

Bridger Nelson is an invaluable member of the

SWMBIA Expo Committee!! He is responsible for all

of the beautiful Home Expo promotional material,

advertising, brochures, posters, magazine design

and map. Bridger is in the marketing/advertising

15 Economic Indicators

Ample Ammunition There exists concern among many that should another recession come soon, the government will have few, if any, tools to bring the economy back towards growth and prosperity because interest rates are already near rock bottom. As a result, it is feared that our economy could quite possibly remain in the doldrums for some time. Fortunately,

this is simply not true. There remain numerous tools at the disposal of the Fed and of the Congress. Below are some ideas that are surely being considered should more intervention become necessary. Tobegin, the central bank could once again ramp up its purchases of Treasuries and mortgage-backed securities (MBS) through another round of quantitative easing. But rather than sticking to just Treasuries and MBS,this time the Fed could buy a much broader range of assets, including high-yield bonds, stocks, and even real estate to get asset prices up and markets out of the doldrums. Another step the Fed could take is to push interest rates into negative territory, meaning it would start charging, yes charging, banks to keep money on deposit rather than paying them the current rate of 0.5%. While this seems preposterous, at present central banks in Denmark, Japan, Sweden and Switzerland, along with the European Central Bank are doing precisely this. The aim would be to encourage banks to lend by penalizing them to hold cash. In a similar vein, the Fed could alternatively pay banks to lend money to borrowers. This policy is less harmful than using negative interest rates, as it does not reduce bank profits nor does it encourage banks to charge their depositors to keep deposits on hand to recoup the money paid to the Fed. Paying banks is akin to using a carrot, lower rates; a stick.

In addition to the above, the Fed could also promise to keep mortgage rates at or below a certain level for an extended period of time with the explicit aim being to boost lending activity by enabling more people to qualify for a mortgage. This would boost home sales and residential construction activity. Another way to boost spending and inflation is for the government to announce a tax cut and issue bonds to finance it. But, rather than selling the bonds to private investors (which takes money out of circulation), the Fed would buy the bonds. This ―Helicopter money‖ (HM) named in honor of Milton Friedman and which fuses fiscal and monetary policy, is as close as you can get to raining cash from the clear blue sky like manna down on households. While HM is not to be rushed into, in a deep recession or global crisis, it might well make sense. And, if it were coordinated by a group of rich countries, all the better. Lastly, the Congress could surprise us and use fiscal policy and pass structural reforms. Fiscal policy such as large tax cuts or spending on large infrastructure projects would give private sector firms more confidence about future demand and thus make a recovery more likely. Structural reforms could include tax reform and increased deregulation. In short, the government is far from being out of policies that could be employed to jump-start the economy in the event of a recession in the near future. While some policies will undoubtedly work better than others, the key will be to implement a number of them at once.

Elliot Eisenberg, Ph.D. is President of GraphsandLaughs, LLC and can be

reached at Elliot@graphsandlaughs.net. His daily 70 word economics

and policy blog can be seen at www.econ70.com.

Elliot Eisenberg

16 ASSOCIATION

DO BUSINESS WITH A MEMBER 17

I spent a morning with a couple of guys from the City of Bozeman’s Stormwater Department. I talked to them about their enforcement policies, because I know that there have been some questions about this. Here’s what I have for you: If all you do is put up a straw-swaddle around your site and maintain one point of entry and exit, they are generally going to leave you alone. Those straw-swaddles shouldn’t take long to put up, and then it’s just a matter of maintaining them (again, should be pretty easy). If I’m not mistaken, they are sold at Kenyon-Noble and a few other

vendors around town. The biggest thing that they are looking for is mud in the roads (obviously, the muddier your road is, the more you’re going to see them). They will talk to you if you’re not conforming and give you a week to fix it. Some other stuff to keep in mind: throwing gravel bags down around drainage points (again, keeping these maintained is easy and will really help keep the city off of your back). As a result of them looking for mud on the streets, the mud may not be yours, but they are going to drive down that street and take a look at all of the jobsites, so working with the crews around you to get your BMPs functioning will make everyone’s day better. Also, consider contacting the developer and seeing if they have a stormwater plan on record. Finally, if you haven’t already, go to the trainings that they put on. These trainings will help you understand what they are looking for and how to keep your job from slowing down. This stormwater stuff is coming down from DEQ and the EPA, so it’s not going away. The swaddles are the minimum, and will be enough to get left alone from the city. Luke Howard Government Affairs Director Southwest Montana Building Industry Association Office: (406) 585-8181 Fax: (406) 585-7530 Cell: (406) 209-1918

Apex Group, Inc. 12 Big Sky Insulations 13 First Security Bank 18 First West Insurance 8 Knife River 8 Little Stinkers Septic & Portable Toilets 11, 16 Precision Fence 7 Redpoint LLC 18 Sack Law Firm 2 Simkins Hallin Lumber Company 15 Stockman Bank 20 TMC, Inc. Sand & Gravel 9 Tractor & Equipment Co. “The Cat Rental Store” 6

QUESTIONS ABOUT THIS PUBLICATION?

(406) 585-8181 ♦ www.swmbia.org

EXECUTIVE COMMITTEE 2016

Chairperson / President Brian Popiel, Arete Bldrs/Resource Site Svcs First Vice Chair Andy Rowe, Alpenglow Custom Builders Second Vice Chair Darryl Seymour, Montana Title & Escrow Associate Vice Chair Mike Thompson, Kenyon Noble Lumber Treasurer Tylene Vitt, Rudd & Company Past Chairman Nathan Albrecht, Pro Builders

2016

BOARD OF DIRECTORS BUILDER BOARD MEMBERS 2 Year Term 2017 Dan Barnes 2 Year Term 2017 Andrew Mazzella 2 Year Term 2017 Craig Kirchhoff 2 Year Term 2016 Rob Evans 2 Year Term 2016 David Graham 2 Year Term 2016 Bryan Morrison ASSOCIATE BOARD MEMBERS 2 Year Term 2016 Ryan Ballenger 2 Year Term 2017 Crystal Fiedler 2 Year Term 2017 Clint Field LIFE DIRECTORS Gene Graf, Clair Daines, Tim Dean, Jim Syth, Frank Armknecht, Richard Smith, Byron Anderson

STATE DIRECTORS 2016 ELECTED Brian Popiel, Clint Field, Darryl Seymour, Mike Thompson, Crystal Fiedler, ALTERNATES Rob Evans, Ryan Ballenger, Dan Barnes, Bill Fiedler LIFE DIRECTORS Frank Armknecht, Tim Dean, Gene Graf, Richard Smith, Byron Anderson

NATIONAL DIRECTORS 2016 ELECTED Brian Popiel, Mike Thompson ALTERNATE Nathan Albrecht, Clint Field LIFE DIRECTORS Tim Dean, Frank Armknecht, Jim Syth, Richard Smith, Byron Anderson SENIOR LIFE DIRETORS Clair Daines, Gene Graf

COMMITTEE CHAIRS 2016 Golf Tournament Committee Chair Adrian Vaughn Government Affairs Committee Chair David Graham Government Affairs C.I.T.F. Eugene Graf IV Green Building Committee Chair Anders Lewendal Home Expo Committee Chair Beth Zeman Parade of Homes Committee Chair Darryl Seymour Membership Committee Chairs Leif Sundeen, Brett Baragar Playhouses on Parade Gina Marshall

ADVERTISER’S INDEX

Luke Howard Government Affairs

18 DO BUSINESS WITH A MEMBER

Members of the Month Continued from Page 14

serves on the SWMBIA board of directors. She was chair of the Playhouses on Parade Committee for 2 years and still serves on the committee. She is also currently on the Membership Committee and has organized the kid’s activities at the SWMBIA summer picnic the last two years. Crystal is always very active in the Home Expo and the Parade of Homes, in addition to hosting the annual SWMBIA Halloween costume party. Crystal was born and raised in the Gallatin Valley and has been involved in the building industry most of her life.

Playhouses on Parade Committee Chair Gina Marshall has been with US Bank since 2002, winning several regional awards, including Top Customer Service Award and 2010 Sales Manager of the Year. She graduated from Lewis-Clark State College in Lewiston, Idaho.

Home Expo Committee member, Gil Silva, a Brazilian transplant to Bozeman, began his employment at American Land Title Company over nine years ago, manning the front desk. Armed with good humor and determination, Silva worked his way up to become a Title Officer. In 2013 he was awarded SWMBIA Affiliate of the Year. Gil is a certified soccer referee, but when snow flies, he will be in the mountains with his snowboard. Gil looks forward to continuing to learn and participate in area events held by SWMBIA.

Mike Hennessey serves on the Playhouses on Parade Committee. He is the Regional Mortgage Sales Manager for First Interstate Bank. Mike grew up in Montana and attended college on baseball and basketball scholarships. He even got the taste of professional baseball in the Cincinnati Reds minor league system. With over 23 years in mortgage lending, Mike truly enjoys assisting people with homeownership. He enjoys the outdoors, hiking, fishing and hunting.

As both owner and sales manager of Distinctive Lighting, Crystal Fiedler has been active in SWMBIA for a number of years. She currently

Blake Silha is mortgage sales manager for US Bank. He was active this year with the Playhouses on Parade move in to the Gallatin Valley Mall and also with the move to the MSU Fieldhouse for the Home Expo. He also helped with the Playhouse ticket distribution.

Southwest Montana Building Industry Association

1716 West Main Street Suite 8-G Bozeman MT 59715

www.swmbia.org

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