64 SUMMER ST - BUILDING INSPECTION (2) The Commonwealth of Massachusetts lrfbPEC"NNA ED
° Board of Building Regulations and Standards CITY 0 SER110ES
Massachusetts State Building Code,780 CMR ''ae
Building Permit Application To Construct, Repair,Renovate Or Demolish a RNt dSEP 2fy A ": 01 ,
One-or Two-Family Dwelling
This Section For Official Use Only
Building Permit Number: Dat A'_pppllii,`e,,d,':
Building Official(Print Name) Signature o Dat
SECTION 1: SITE INFORMATION
1.1 Proy Address: 1.2 Assessors Map& Parcel Numbers
Co:-1pert �VmME�S� r�
Lla Is this an accepted street?yes-,,- no Map Number Parcel Number
1.3 Zoning Information: 1.4 Property Dimensions:
�. Zoning District Proposed Use Lot Area(sq ft) Frontage(ft)
1 1.5 Building Setbacks(ft)
Front Yazd Side Yards Rear Yard
Required Provided Required Provided ' Required Provided
1.6 Water Supply:(M.G.L c.40,§54) 1.7 Flood Zone Information: 1.8 Sewage Disposal System:
Public❑ Private❑ Zone: _ Outside Flood Zone? Municipal❑ On site disposal system ❑
Check if yes❑
SECTION 2: PROPERTY OWNERSHIP'
2.1 Owner'of Record:
Name(Print) City,State,ZIP
CDA Summer- s' 00,9-74q -0302 A9
No.and Street Telephone Email Ad ess
SECTION 3:DESCRIPTION OF PROPOSED WORK'(check all that apply)
New Construction❑ Existing Building❑ Owner-Occupied ❑ 1 Repairs(s) W- Alteration(s) ❑ Addition ❑
Demolition ❑ Accessory Bldg. ❑ Number of Units Other ❑ Specify:
Brief Description of Proposed Work':
—VeAAr
�,sov .c 4vo r re +, wl zx� PT clot Hte a4penn,eJer r LYums eve
-aam SA Xlrs
SECTION 4: ESTIMATED CONSTRUC ION COSTS
Item Estimated Costs: Official Use Only
Labor and Materials
I.Building $ DO 1. Building Permit Fee:$ Indicate how fee is determined:
2.Electrical $ ❑Standard City/Town Application Fee
❑Total Project Cost'(Item 6)x multiplier x
3.Plumbing $ 2. Other Fees: $
4.Mechanical (HVAC) $ List:
5.Mechanical (Fire $
Suppression) Total All Fees:$
/ 0- Check No. Check Amount: Cash Amount:
6.Total Project Cost: $f ❑Paid in Full ❑Outstanding Balance Due:
y AA;(
1W
I -
SECTION 5: CONSTRUCTION SERVICES
5.1 Construction Supervisor License(CSL) 10p�s2 / a7 /(o
d'QS�-m �m.�w�y NA;11��Va1x xLicense Number Expiration Date
Name of CSL Holder
9)
List CSL Type(see below) S
�'otr oh\\� �
No.and Street Type Description
nI� U Unrestricted(Buildings up to 35,000 cu.ft.
1l toy�p\Pone�� -V 1, 0 R Restricted 1&2 Family Dwelling
City/Town,State,ZIP M Mason
ry
RC Roofing Covering
WS Window and Siding
n ( ^ SF Solid Fuel Burning Appliances
KV )
�kI//eSl_r,,inpr I Insulation
'telephone Enlail address F I D Demolition
5.2 Registered Home Improvement Contractor(HIC)
/S3 �2Z 1
�\ o Q .. ' , ��v�slty e'l� Lt
Q� ® ,�� , 30
HIC Registration Number Expiration Date
H1\l�emorS RegistrantNeale
No \S.I& P \Ow Dteb Wf•to
mail address
e&a 7$21-1o51.277gZ
City/Town,State,ZIP Tele hone
SECTION 6:WORKERS'COMPENSATION INSURANCE AFFIDAVIT(M.G.L.c. 152.§ 25C(6))
Workers Compensation Insurance affidavit must be completed and submitted with this application. Failure to provide
this affidavit will result in the denial of the Issuance of the building permit.
Signed Affidavit Attached? Yes ..........G%� No...........❑
SECTION 7a: OWNER AUTHORIZATION TO BE COMPLETED WHEN
OWNER'S AGENT OR CONTRACTOR APPLIES FOR BUILDING PERMIT
1,as Owner of the subject property,hereby authorize 0 " )NA V-Vti C
to act on my behalf,in all matters relative to work authorized by this building permit application.
-Da
mernie- jaizzto 9-Q),a--19
Print Owner's Name(Electronic Signature) Date
SECTION 7b:OWNEW OR AUTHORIZED AGENT DECLARATION
By entering my name below,I hereby attest under the pains and penalties of perjury that all of the information
contained in this application is true and accurate to the best of my knowledge and understanding.
Print Owner's or Authorized Agent's Name(Electronic Signature) Date
NOTES:
I. An Owner who obtains a building permit to do his/her own work;or an owner who hires an unregistered contractor
(not registered in the Home Improvement Contractor(HIC)Program),will not have access to the arbitration
program or guaranty fund under M.G.L.c. 142A.Other important information on the HIC Program can be found at
www.mass.gov/oca Information on the Construction Supervisor License can be found at www.mass.gov/dos
2. When substantial work is planned,provide the information below:
Total floor area(sq.ft.) (including garage,finished basement/attics,decks or porch)
Gross living area(sq. ft.) Habitable room count
Number of fireplaces Number of bedrooms
Number of bathrooms Number of half/baths
Type of heating system Number of decks/porches
Type of cooling system Enclosed Open
3. "Total Project Square Footage"may be substituted for"Total Project Cost'
CITY OF S.U.F.Nl, T%L-kSS.A cHLSE=
BI;II.D ,PIG DEPART.\MSIT
• 130 WASH ,NGTON STREET,3� FLOOR
TEL (978) 745-9595
FAX(978) 740-9946
KI1tBERLHY DRISCOLL
MAYOR THomm ST.PIERRB
DIRECTOR OF PLBLIC PROPERTY/Bunni IG CONMSSIONER
Construction
ct on Debris Disposal Affidavit
(required for all demolition and renovation work)
In accordance with the sixth edition of the State Building Code, 780 CMR section 111.5
Debris, and the provisions of MGL c 40, S 54;
Building Permit# is issued with the condition that the debris resulting from
this work shall be disposed of in a properly licensed waste disposal facility as defined by MGL c
111, S 150A.
The debris will be transported by:
Int y\Y\k
(name of hauler)
The debris will be disposed of in :
(name of facility)
nth
(acVxss of facility)
signature of permit applicant
dale
dcbriutT.doc
The Commonwealth of Massachusetts
Department of Industrial Accidents
Office of Investigations
I Congress Street, Suite 100
u,p
Boston,MA 02114-2017
www mass.gov/dia
Workers' Compensation Insurance Affidavit: Builders/Contractors/Electricians/Plumbers
Applicant Information Please Print Legibly
Name (Business/Organization/Individual): Presto Painting and Construction
Address:8 Yorkshire road
City/State/Zip: Marblehead, Ma Phone #: 781-631-2742
Are you an employer? Check the appropriate box: Type of project(required):
I.0 I am a employer with 8 4. ❑ I am a general contractor and I 6. ❑New construction
employees (full and/or part-time).* have hired the sub-contractors
2.❑ 1 am a sole proprietor or partner- listed on the attached sheet. 7. ❑ Remodeling
ship and have no employees These sub-contractors have g, ❑ Demolition
working for me in any capacity. employees and have workers' 9. ❑ Building addition
[No workers' comp. insurance comp. insurance
required.] 5. ❑ We are a corporation and its 10.❑ Electrical repairs or additions
3.❑ I am a homeowner doing all work officers have exercised their I L[J Plumbing repairs or additions
myself. o workers' com right of exemption per MGL
y �` p• 12.RM Roof repairs
insurance required.] t c. 152, §1(4),and we have no
employees. [No workers' 13.0 Other
comp. insurance required.]
*Any applicant that checks box#I must also fill out the section below showing their workers'compensation policy information.
t Homeowners who submit this affidavit indicating they we doing all work and then hire outside contractors must submit a new affidavit indicating such.
Contractors that check this box must attached an additional sheet showing the name of the sub-contractors and state whether or not those entities have
employees. If the sub-contractors have employees,they must provide their workers'comp.policy number.
I am an employer that is providing workers'compensation insurance for my employees. Below is the policy and job site
information.
Insurance Company Name:Travelers Insurance
Policy#or Self-ins. Lic. #:56875379 Expiration Date:3-15-15
Job Site Address: 63 Summer Street City/State/Zip:Salem, Ma 01970
Attach a copy of the workers' compensation policy declaration page(showing the policy number and expiration date).
Failure to secure coverage as required under Section 25A of MGL c. 152 can lead to the imposition of criminal penalties of a
fine up to$1,500.00 and/or one-year imprisonment, as well as civil penalties in the form of a STOP WORK ORDER and a fine
of up to$250.00 a day against the violator. Be advised that a copy of this statement may be forwarded to the Office of
Investigations of the DIA for insurance coverage verification.
I do hereby certify under h and penalties o e ' that the information provided above is true and correct
9-22-14
Signature: Date'
V
Phone#: 7816312742
Official use only. Do not write in this area,to be completed by city or town official.
City or Town: Permit/License#
Issuing Authority(circle one):
1. Board of Health 2. Building Department 3.City/Town Clerk 4.Electrical Inspector 5. Plumbing Inspector
6.Other
Contact Person: Phone#:
• '•^e••���^ of auA cvis o: uocvD API I-ALuL d/UUZ YB:K Server
CERTIFICATE OF LIABILITY INSURANCE DATErMAvoomrYI
T IFICATE 13 ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.
THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(SI,AUTHORIZED REPRESENTATIVE
IMPORTANT:If the ceHlficato holder Is an ADDITIONAL INSURED,the WIDOW must be endorsed. If SUBROGATION IS WAIVED,subject to the
arms and conditions of the pal",certain Pollcles may require and endorsement. A statement on this cert(Roate does not confer rights to the
cerlifleale holder In fieu of such endorsemen s.
PRODUCER CONTACT
NAME:
EASTERN'INS CROUP LLC PHONE PAX
233 WE51•CENTRAL STRiwf (AIC:N0.Exj; (A)C.No):
NATICK,MA 01760 E-MAIL
ADDRESS:
22MLW
INSURE R(S)AFFORDING COVERAGE NAICa
INSURED INSURER A: 7kA4pyISRSINT)EMNM MNtPANYQTANfMR7A
PRESTO PAINTING S CONSI'RUCT3ON NC. INSURER B:
INSURER C:
S YORKSHIRE ROAD INSURERD: � •�-
MARBLEHEAD,MA 01945 INSURER E:
INSURER F:
COVERAGES CERTFICATE NUMBER: REVISION NUMBER:
THS Y THAT OR NAHyC I;ACT HAVE BEEN THE INSURED NAMES mow FOR THE POLICY PERAWN TEA NOTYATHITANOND ANYADWB THEE FRO erl COCRUIEDNonrDN EANY CSUJECT OR OTHER DDCLWENT W RESPECT Tomm Tins CERTmATE MAY aE ISSUED OR MAY PERTAIN.THE NSMPAHCE
AFFORDED BY THE POLICIES DESCRWEDNEttED!D lAIaUECT TO ALL
PAN CLAIMS. THE TEAMS,"CLUSIQNS AND CONDITIONS OF SUCH POLICIES.LW MS SHOYM MAY KAYE SEEN REDUCED BY
BYSR AOD SUB POLICYEFFOATE POLCTEXPOATE
LTR TYPE OF INSURANCE L R POLICY NUMBER fLa1'DOXYYY) (MMw'YYYY) LEAKS
GENERAL LIABILITY AOHOCCURRENr-E S
Cm"AMERCIAL GENERAL L 1A31_RY
CLAIPASrAADS MOCCUR, ARAC.ETORENTED I$
REMISES f,Es mmuai.m)
ED EXP(Afty ms pomml Is
GERL AGGREGATE LIMIT APPLIES PER ER.SCNAL R AOV W'JRY ['S
71 POuCY ElPRa ECT❑:OC ENEPAL AGGREGATE Is
RODUCTS-COMPIDPAGG 'S
AUTOMOBILE LIABILITY
ANY.AUTO 'O)dBINED SINGLE $
LIMIT(Ea acmdem)
!EDUEAL)TOS 30011Y KIJRY S
SCHEDULE AUTOS (Pat amm) {
MIRED AUTOS 30DiLY MuUPY ¢§
NCNd:WNED AUTOS fPer swiderv.)
PROP EPTY DA MAGE "$
(PW axidem)
V
FEACH DCCURP.ENCE GGGEGATEUCTIBLE ENTION S Is
A WORKERS COMPENSA71ON Ate) WC STATUTORY GTX H�
EMPLOYER'SUABILITY YM il8-i3R7c3iDad D:Uti2D16 U3'Ii�2D15 x U)An3
F
O ? ;VMFTROWPARTNER'EkECIJfI'JF a WA E L.EACH ACCIDENT
FF'OER'MFMP,EP E%CLUDEOT
IM-wooty n NH) E.L.DISEASE-EA EMPLOYEE § 50G,000
It�ft 6acalbe.'.
OCSCR."ON OF OPERATIONS Wm E.L.DISEASE POLICY LMIT I S 50D 00O
DESCRIPTION OF OPERATCNSILOCAITONSA•ENICLESIRESTRICTIOKWSPECIAL ITEMS
THIS REPLACM ANY PRTOR CEHTIFICATTi I$SI)FDTY.)THIi LTRIMCATEROLDBR.APTFA TQ WORKERS Cr1MPMvIFRAGE
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POUCIES BE CANCELLED
BEFORE THE EXPIRATION DATE THEREOF.NOTICE WILL BE DELIVERED
IN ACCORDANCE WITH THE POLICY PROVISIONS.
AUTHORIZED REPRESENT VE A
ACORD 25(2D10f05) The ACORD name and logo are registered marks of ACORD i' -2010 IDORD CORPORATION.All rig--All
ACOI o® CERTIFICATE OF LIABILITY INSURANCE °"'�`M�°12/2 014°14
`� 6/
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(les) must be endorsed. If SUBROGATION IS WAIVED, subject to
the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the
certificate holder In lieu of such endorsement(s).
PRODUCER CONTACT Select Dept eXt 66807
Eastern Insurance Group LLC ift-�E.T;Iectwork@easterninsurance.com
(508)651-7700 FAX No;(T81)586-8244
233 West Central Street EMAIL selectwork@easterninsurance.com
ADDRES :
INSURER$ AFFORDING COVERAGE NAIC#
Natick MA 01760 INSURERAXain Street America Assurance 29939
INSURED INSURERB Safety Indemnity Insurance Co 33618
PRESTO PAINTING & CONSTRUCTION CO. INSURER C:National Grange Mutual 14788
8 YORKSHIRE RD INSURER D:
INSURER E
MARBLEHEAD MA 01945-1028 INSURER F:
COVERAGES CERTIFICATE NUMBER CL13122425453 REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED, NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR
LTR POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE POLICY NUMBER MMIDD/VYYY) (MMIDD/YYYYI LIMITS
GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000
X COMMERCIAL GENERAL LIABILITY TRERTEu—
PREMISES Ea occurrence $ 500,000
A CLAIMS-MADE ®OCCUR 4PO89800 11/15/2013 1/15/2014
MED EXP(Any one person) $ 10,000
PERSONAL B ADV INJURY $ 1,000,000
GENERAL AGGREGATE $ 2,000,000
GEN'L AGGREGATE LIMIT APPLIES PER. PRODUCTS-COMP/OP AGG $ 2,000,000
K POLICY 71 PFQT
RO- LOC $
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT
Ea.trident 11000.000
EIx
ANY AUTO BODILY INJURY(Per person) $
ALL OS R SCHEDULED BODILY INJURY Per accident $
AUTOS AUTOS ( )
HIRED AUTOS X NON-OWNED 203010 /5/2014 /5/2015 PROPERTY
DAMAGE $
AUTOS Per accident
Undennsured motorist BI split $
X UMBRELLA LIAR X OCCUR EACH OCCURRENCE $ 2,000,000
C EXCESS LIAB CIAIMSMADE AGGREGATE $ 2,000,000
OED I X I RE FU089800 11/15/2013 11/15/2014 $
WORKERS COMPENSATION WC STATU- OTH-
AND EMPLOYERTUABILITY Y/NYLIM
ANY PROPRIETORIPARTNER/EXECUTIVE
OFFICER/MEMBER EXCLUDED? ❑ N/A E.L.EACH ACCIDENT $
(Mandatory In NH) E L DISEASE-EA EMPLOYE $
If yes,describe under
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $
DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (Attach ACORD 101,Additional Remarks Schedule,if more apace is required)
Painting, Carpentry
CERTIFICATE HOLDER CANCELLATION
(97 8)740-9846 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
City of Salem ACCORDANCE WITH THE POLICY PROVISIONS.
Inspectional Services
120 Washington Street AUTHORIZED REPRESENTATIVE
Salem, MA 01970
John Koegel/CMH2
ACORD 25(2010/05) 01988-2010 ACORD CORPORATION. All rights reserved.
INSn25 rmannsl m Th.AC%nin nnmc and Innn nrn roniefnrui m.,k.of Annon
,. ���.� Vhe��UH/LOp(RKY)��o�Pl��✓`rC�PM��i'
Office of Consumer AffMrs&Business Regulation
k„j+OME IMPROVEMENT CONTRACTOR
egistradon: 153422 Type:
expiration:. 1
O 113 0/2 201 4 Pnvate Corporatir
PRESTO PAINTING AND CONSTRUCTION COMPANY
IOANNIS MAKRIS '
8 YORKSHIRE ROAD
MARBLEHEAD,MA 01945 - Undersecretary
Massachusetts-Department of Public Safety
Board Of Building Regulations and Standards
Construction Supen Sur Specialh.
License: 4
CSSL- -`` tII "
IOANMS MAfM t.
8 Yorkshire Road_
L&
Marblehead MA b19410P
!"i-4——61r6Cgc, 'r w 0
Commissioner Expiration
ofmnolo
PRESTO
6CARPENTRV . PAINTING ROOFING
586 Rear Hale Street (PO BOX 140) 111C#153421
Prides Crossing,Ma 01965-0140 CSSL#100452
(978)356-5419—(866)PRESTO-7 www.PrestoCPR.com
PROPOSAL SUBMITTED TO: WORK TO BE PERFORMED AT:
Domenic Pizzo 64 Summer Street
64 Summer Street Salem
Salem, Ma DATE OF PROPOSAL:
(978)744-0302 (978)317-5423cell July 15, 2014
Having visited and examined the site of the proposed project and being familiar with the
conditions relating to the construction, including the availability of the materials and labor,
Presto Painting Company hereby proposes to furnish all materials, labor, equipment and
supervision required and to complete the work in accordance with this contract document.
CARPENTRY:
1. At the front side—support the 2nd floor porch.
Jack up the 2"d floor porch & roof to be level.
2. Tear down the I'floor front porch& dispose.
3. Dig up four new footings, four feet deep with 10-inch diameter, sonic tube and re-bar.
4. Frame,to build a new I"floor porch at the same dimensions-
Frame with 2x10 Pressure treated wood, double framed around perimeter and with beams every 16-inches,
support with galvanized joist hangers. Build stairs with four(4)2x12 double stringers.
5. Attach porch to house- install ice&water shield, lead flashing and secure porch to house with log screws.
6. Apply ice& water shield on frame prior to installing new floor.
7. Install new floor boards.
8. Install new railing.
COST with 514x6AZEKfloor& Panorama railing: $14,110.00 f"/
—`OPTIONS: "�
1. Install six(6) new round composite structural columns.
2. Save one old column and install on 2"d floor. COST. $3,000.00
Certainteed Panorama PVC Composite Railing system.
Features: Convenient universal rails for top& bottom rails topped with decorative cap. Concealed
external rail to post and a patent pending bracket for seamless appearance on flat, stair, column & 45°
applications. Classic style with architectural details. Corrosion-resistant stainless steel hardware.
OTHER COMMENTS.
EPA<Environmental Protection Agency> certified for Renovator, Repair& Paint(RRP).
OSHA<Occupational Safety& Health Administration>certified.
Project will be performed under the state requirements & requirements of EPA.
BBB(Better Business Bureau) accredited business with an A+ rating.
Care will be taken during the progress of the work; greenery, walkways and all other surfaces needed will be covered
with suitable drop cloths to prevent from any damage or harm occurring during the workday.
Work area will receive a complete inspection at the end of each workday and will be swept and cleaned daily as found.
All surfaces will be prepared and finished in a manner that meets professional standards.
Presto may withdraw this proposal if not accepted within ninety (90)days.
All materials are guaranteed to be as specified.
Presto Painting&Construction will obtain any and all necessary construction related permits, if needed, any owner
who secure their own construction permits or deal with unregistered contractors shall be excluded from access
to the Guarantee Fund.
No work shall begin prior to acceptance of proposal. No verbal agreement is accepted
INSURANCES:
FULL PROPERTY AND LIABILITY INSURANCE IS THE RESPONSIBILITY OF PRESTO
PAINTING& CONSTRUCTION INSURED UNDER NATIONAL GRANGE
MUTUAL INSURANCE policy#MP089800 expiration 11/15/14
FULL WORKERS COMPENSATION COVERAGE INSURED UNDER TRAVELERS
INSURANCE COMPANY policy#WC5B875379 expiration 03/15/15
(Insurance certificates are available upon request)
PAYMENT SCHEDULE:
Payments are to be made as follows:
One half upon beginning of work and balance including any extras in full when work are complete.
ACCEPTANCE OF PROPOSAL:
The above prices, specifications and conditions are satisfactory and are hereby accepted. You are authorized to do the
work as specified. Payments will be ode as outlined above.
i
Authorized Signature i
—" Presto Painti g&Construction
Ioannis Makris
Signature ,7
Domenic Pizzo
r 64 summer street, Salem
Date of Acceptance Z Ln r
"HIGHEST QUALITY AND CLEANLINESS--YOUR PRODUCT OUR BUSINESS"