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Home My WebLink AboutJ-4 Resolution: Dental InsuranceCity of ~Vl idmi ~ard ~ens 1515-200 NW 167~' Street Miami Gardens, Florida 33169 Aaenda Cover Paae Date: November 14, 2007 Mayor Shirley Gibson Vice Mayor Barbara Watson Councilman Melvin L. Bratton Councilman Aaron Campbell Jr. Councilwoman Sharon Pritchett Councilman Oscar Braynon II Councilman Andre Williams Fiscal Impact: No ^ Yes X Public hearing ^ Quasi-Judicial ^ (If yes, explain in Staff Summary) Ordinance ^ Resolution X Funding Source: Various Departments 1st Reading ^ 2nd Reading ^ ContracUP.O. Requirement: Yes X No^ Advertising requirement: Yes No Sponsor Name/Department: RFP/RFQ/Bid # 05-06015- Renewal Group Dental Danny Crew, City Manager Insurance -Blue Cross/Blue Shield Title A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF MIAMI GARDENS, FLORIDA, AUTHORIZING A RENEWAL OF THE CITY'S AGREEMENT WITH BLUE CROSS BLUE SHIELD OF FLORIDA FOR GROUP DENTAL INSURANCE; PROVIDING FOR THE ADOPTION OF REPRESENTATIONS; PROVIDING AN EFFECTIVE DATE. Staff Summarv The City Council authorized the City Manager to negotiate and execute agreements for medical, dental and vision coverage for employees and council members and life insurance for employees on October 11, 2006. Group Dental Insurance was awarded to Blue Cross Blue Shield of Florida. Funding for health, dental and life insurance is allocated in various departments for a total of $6,462,211.00. Analysis: The City's agent of record McKinley Financial Services, Inc. reviewed the City's renewal rates from each carrier providing group dental insurance. In the best interest of the City, they are recommending acceptance of renewing with the existing carrier, Blue Cross Blue Shield of Florida with no increase for the DMO Plan and 5% increase for PPO Plan. Renewal notices attached as Exhibit "A" Recommendation: J-4) CONSENT AGENDA RESOLUTION BLUE CROSS BLUE SHIELD OF FLORIDA (DENTAL INSURANCE) We recommend that the City Council approve the attached resolution authorizing the City Manager to renewal the group dental insurance with Blue Cross Blue Shield of Florida. RESOLUTION No. 2007- A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF MIAMI GARDENS, FLORIDA, AUTHORIZING A RENEWAL OF THE CITY'S AGREEMENT WITH BLUE CROSS BLUE SHIELD OF FLORIDA FOR GROUP DENTAL INSURANCE; PROVIDING FOR THE ADOPTION OF REPRESENTATIONS; PROVIDING AN EFFECTIVE DATE. 1 WHEREAS, on October 11, 2006, the City Council authorized the City Manager 2 to negotiate and execute an Agreement with Blue Cross Blue Shield of Florida for group 3 dental insurance, and 4 WHEREAS, the original contract had a renewal provision in it that provided for an 5 additional one year term, but it also provided for a change in the rate, if necessary, and g WHEREAS, Blue Cross Blue Shield has agreed to renew the existing contract 7 with no increase in the rate that the City is currently paying for the DMO plan, but with a 8 5% increase for the PPO plan, and g WHEREAS, the City Council would like to authorize the City Manager to take any 10 and all steps necessary to renew the existing Agreement with Blue Cross Blue Shield of 11 Florida, 12 NOW THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY 13 OF MIAMI GARDENS, FLORIDA, AS FOLLOWS: 14 Section 1. ADOPTION OF REPRESENTATIONS: The foregoing Whereas 15 paragraphs are hereby ratified and confirmed as being true, and the same are hereby 16 made a specific part of this Resolution. 17 Section 2. AUTHORIZATION: The City Council of the City of Miami Gardens 18 hereby authorizes the City Manager to take any and all steps necessary to renew that Page 1 Ft_Lauderdale_268984_1 19 certain Agreement with Blue Cross Blue Shield of Florida for group dental insurance, 20 with no increase in the rate for the DMO plan and with a 5% increase in the PPO plan. 21 Section 3. EFFECTIVE DATE: This Resolution shall take effect immediately 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 upon its final passage. PASSED AND ADOPTED BY THE CITY COUNCIL OF THE CITY OF MIAMI GARDENS AT ITS REGULAR MEETING HELD ON NOVEMBER _, 2007. SHIRLEY GIBSON, MAYOR ATTEST: RONETTA TAYLOR, CMC, CITY CLERK Prepared by SONJA KNIGHTON DICKENS, ESQ. City Attorney SKD:jIa SPONSORED BY: MOVED BY: VOTE: Mayor Shirley Gibson (Yes) (No) Vice Mayor Barbara Watson (Yes) (No) Councilman Oscar Braynon, II (Yes) (No) Councilman Melvin L. Bratton (Yes) (No) Councilman Aaron Campbell (Yes) (No) Councilman Andre Williams (Yes) (No) Councilwoman Sharon Pritchett (Yes) (No) Page 2 Ft_La uderd ale_268984_1 M~~INI.EY FINANCIAL SERV~~ES, INC. 5~}5 North Andre~~~s A~Jenue, ~urt Lauclerd~ile, Ftur-~~a 333a~-3? 15 95q-938-?6b5; Fst~: 974-936•?69~; e-n~~~il: mfsinFc~~~mckinleyinsur~nce cunt Web Sicc: a~~~~~v.n~cl:inicyinsurance.cnm Qctoher 12, 2007 City of Mia~i rardens Taren Kinglee Human Resources Direcror 1515 167w Street IVLi.arni Gardens, FL 331b9 Dear Ms T{inglee: McKinley Financial Services, Inc, is pleased to continue to bave City of Miami Gardens as our valued clie ew s from each ofth earrie s that~p ov d your Healtb, a.nd Welfare reviawed your ren benefits. Based on conversafions ~with y~u we understand the impartance af making recommendations that l~ave muiunal financial imPact to the City's budget, the least disruption and tl~e greatest positive effect an yo~r employees and their families. Taking rhis into consideration, we are aot makang aay carrier change recommendation. Nor aze yv~ ~alcing any benefit change recommendations, In the hest interest of the City, we present the following: JYIe„ d~cal Avmed is the medical insurance carrier. Avmed's initial renewal was 13.67% increase of your current benefiis. AvMed also offered 2 alternatives. The asce~p~tas~cWeItheuesE de alternatives wot~ld resu.lt in benefit reduction witl~ very little saving . q that AvMed offer a more reasonab~e renewal. B~sed on these factors: 1) the Gity tenure urith AvMed is less than one year at the fime fhe renewal was released, 2} the~cl~aims~~ history is not a complete snapshot of the City's performance 3) AvMed truly Czty as a client and 4) AvMed's retationship with McKinley, AvMed returned with a sin~le digit renewal of 9.32%. T~is is a little below the State average of 10 -12 percent renewal increases. Acceptance of the 9•3Z% renewal increase allows the City and its employees to canti.nue to enjoy the same rich benefits with no change5. ~ t,~ tr~Ek2VIC~ IS UUR SPECIALTYr~ De'ital is aur r~ental carrier. BGBS presented their same two Blue Cross & Blue Shield (BCBS} ' y plans with no increase ta the DMO a en wa 8is~5% increase vn tl1 O PO Ptasi.~ough negotiations with BCBS, the revi ~sinir 20/20 Eyecare Plan is your visio» carrier. This benefit is still in the initiat 2 year ra e guarantee from the inceptian af the plan and thus, tllere is no increase in cost to the vision for benefit year 2008. Basic Life arrd SrippleoietttRl Insrcrurece Hartfnrd is your basic hfe and supplement insurance carrier. '1'his benefit also had a 2 yeaz rate guarantee upan ~ception. There is n4 increase to the rate for benefit year 2008. Flexible Sperrdirt~ Accoitnts (Heulil: & Dener:de~rt BCBS is the administrator far tlus benefit. The contract cast for benefit year 2008 v'nIl rema.in $6.00 per emplayee per month, no increase. 1t~c,8'ilile~- Services and F'ees McKinley Pinan~3a1 SeM~~S~ ~c. is your agent of record. McKiniey's services include an array of hands on assistence to the City and its employees. We value our rela~onship with the Ciiy and as our stand ~od ees that you are aca 5 oml d ta receiy'Fn,~.vide the service io the City and its emp y The City does not have any additiana3 expendiiure from McKinley as yaur agent of record. ~ur fees are based an a par g.~enefit f lan ye~ w~ receive from the carriers' rates, This remains true for the 200 P In cinsing, the benefit package you have is very rich and comgrehensive, This is a testament ta your efforts and commitin~ of hat you] are da' g~~etro k forwara ta Gardens. MeKinley is proud to be p -~x agency af choice. Floa~..da C~~.nbi~~d I~ife August 15, 2407 City of Miami ~ardens Atm: Taren Kangtee 1515 NW 16'7~' St, Bldg- S - 200 Miami, FL 33169 RE: Grovp Number: 27g20 Ronewal Bffective Date: ]anuarv 1. 20t~8 ~eaz Benefits Adminish~ator: Dental Services Adminishntor P.O. Box 769569 Roswell, GA 3007b-8223 hie d of Ftoridn, In~n and our BlueDental Care P-~SenesEPl~an es Part of yo lsenefit p ckaga forslour amployees during this past year.. We are pleased to inform yau that yous B1ueDental Care P-Series Plan rates~i?icrease on your anniversary datc, 'The rates wil[ be guaraateed for at least another year. Dgnt~+l Plen• P5220 EmpIoyee Only 514.64 Esnployee + Qne $25.11 Family $37.22 Caverege for subscribers and their depeadents are nutomat~caliy renewed upon eaoh sauual open enrolLnent period nnless a writtan request for termina6an is subtnittod to FGI.. Tn addition to our printed BlueDental Csre P-Series Perticipating Pravider Direccory, you can viaw our most cunent Provider nirectory anliue by logging onto wwa.bcbsfl.com. Cliclc an "Provider Directory" in tha wolcome paragraph, then under "Chaose a Prodvct" scrall down and click on "Denta!- $IueDenSal Care Prepaid P-Series." Shonld you or your employees have any questions aboui yo~r B1ueDentat Care P-Sorits Plan, ploase caniacc our ~ Member Services Depaztmeni. Member service associates are available Mondny through Friday 8:00 a.m. to 6:00 p m. tatl free at 1-B77-325-3979. ~ We appreciatc your business and look forward to continuing to serve your dent~-1 needs. ~ Sincerely, I Florida Combined Life I cc: McICiiiley Financiat Services, Inc, i Agent No. 1244Q2FCL I 545 N Andrews Ave. ; Fort Laudcrdale, FL 33301 i Phona: (30S) 438-2585 M B1ueCcoss B1ueShield ~ `~`~'J of Flari~da b Y s i FloAda Combined L11e und its Parant, Htue Ccoaa and 8tua Shletd ut Flotide, . ~ are Independent llcenesos ot tha 9tuo Craos and Blun ShleW Associafion Revised 11/19/03 SG FLC~RIDA COMBINED LIFE INSURANCE CC~MPANY Detttrtl Divisio-i Gollier Building 5011 Gate Parkway Bvilding 2, Suite 400 jacksonvitle, FL• 32256 904/828-7800 FAX: 904/828-7844 Octaber 12, 2007 Taren KingLee City ofi Miami Gardens t 515 NW 167tn Street, Bldg 5-20p Miami Gardens, FL 33169 RE: Group Palicy Number. 16-E0374-00 Renewai Date: Jan«ary 1, 2Q08 Dear Ms. KingLee: Thank you far aa~ for 9ou4ogro p Dentaldinsuran er be efitsmpWe va[ue y~oueas a~customer aind Shield of Flori , Y appreciate your business. Yaur Group Dentai Insurance Plan is about to renew. We have compieted o~ar annual review of your coverage with FCL, taking into account a vari~ty of factors that affect rate development. After careful c~nsideration and anafysis, we have estabfished your renewa! rates for fhe next plan year. Your current and renewal rates ere shawn below The renewai rates will take effect on your renewal date and are guaranteed for fhe foilowing 12 months, subject to the terms and conditions of your group contract. Current Rates New Rates $ 33 40 ~ 35 a7 Employee 63.89 $ 67 08 Emplayee + 1 Dependent ~ 1 Q3.64 $ t 08 82 Employee + 2 or Mare Dep ~ We look forward to continuing our relationship weil into the future Should you have any questions regarding this letter please contact your local Bfue Cross and Blue Shield sales representative or telephone our office at 1-800-477-3738 ext. 87818 Sincerely, Amy Cain Group Dental Underwriting cc: McKinley Financial, AOR f ~F i 5 ~ b O .`C! ~ ~ ~ C ~ ~ R n ~O ~O h ti 0 l~ ~ R ~ ~ N~ R 4 b ~ ~ ti ~n +~o n e n ! ~ R N ~ ~ ~ ~ ° ~-i -3 -~3 ~--3 -3 ° ° ° m m m ~sf 3 ~ ~ E ~-3 ° m tri ~ 3 8 B n R ~~] sC~ . . ~ ~ n ~~~~ vv v ~ n vror~ " 0 0 ~` a~ e n . ~~ba~ ~ ~~ ~ ~ 0 ~ ~~ r + ~ vo n oa a o o C7 a o ~, m o ~ o ~ ~ ~ h ."', ,".. ~ .., cc~ °e ° P.°f~0 °+ k°R°O - b , ° o ~ ° o ~ o ~ ,~ 'T~ .ti .t p' ? ~ 1 .~ ,~ b o ~ H G C. ~ 'C ~. C W ~ ~ ~~ ~ n a~ ~ 3 ~= ~ y `` ~ ~ ~ n F ; ; ° ~ ~ ~ G C C ~ 3 ~ ~ = . ~ . , ^y ~v r-~ ~ b 3 ~- ~ ~ W N ~ ~6+Jf 69 pp ."' ~ ~I ch .P .A O~ Q~ • ~ ( •_• ia ~w ~ 0~o J -~ O W . ~ ~ N ~ W ~ N u w tn cn ~ ~ wi bn „ ,, a00N W W W A tr.v~~ W ~ ~ O , ~ V' ~ ~ N ~ N ~ ~ A a J ~ W IO~ ~ ~ ~ ~ 00 N~~ N -~ O .~+ W N ~ a~ 's'~ ~ ; w ~ t~l fYf O~ ~ ~ A IJ= tn ~ O .. ~ w ~p ~ J w ~D W ~ ~ N ~. ~, w J~ 69 J~,.~ ~ I~.~~ i.W+ "'~ 0~0 f/1 N~- O W Vi ~+ ~ ~ V1 `~ ~ [/~ ~ N UI ~ ~ ~ l a J ~ \ i+ O ~ o o i~. ~~ ~ ~ L o~ N ~ W ~ I~ ~ 1 ln ,p t~ ~~„ ~1 O O ~ oo J ° _ .~ 0~°~111~ ~°(D~l~ _ X~~~°1~~C~ ~ ~!$y O'~ ~9~~~ ~~~`~~'~S Current Period (Cur} = January 07 to Jone 07 CEient Service Representative - Blnnca Hcrnandez Phm~e Nunsbcr - 3US..G71.5-~37 x=Cr17U Medical Director- Edwin Rodriguez MD Pl~une Numbcr-95J-AG=.2SZU ~7G233 7!~ ~ H~ A ~-r H P L A N S Emptayees by Contract Type as a Percent af Totai Percent of ~ Employee only {{ Empioyee + spouse iti Employee + chitd tV Empfoyee + children v Empioyee + spouse + child(ren) Curren4 Average # Total Empfoyees Current Current 100 75 $% 6 4.5% t ti 8.3% g 4 5% g B.8% ______.--- 132 lus Dependents by Contract Type as a Percent of Total Emptoyees p Average # Percent of Members Total • Cu-" rrent- Current 100 52.4% ~ Employee onfy t3 6 8% il Employee + spouse 22 11 5% ip Employee + chifd 20 10.5% iV Empioyee + chiidren ~ 18.8% v Employee + spause + child{ren) _ _ ~ 9 - Average Contract Size 1.45 Current .n^°' ~.w~r ~~ ~ •c ~,~,~ ~-- =-- I~ 1~~ 6.8°/. 71.5% IV .::-.>:;.;::::: ~D.S% V 18 8% Page 2 of 6 Empiayer Graup Reporting RvMed NeafEh Pians Confidentia! Percent Employees 6y Age Band Age 7ota! Female Cur BOB Male Cur B~B Rn Cur BOB <21 0 8°!0 0 7% 0 0% Q.7% 0 8% 0.7% 21-30 32.8% 14 9% 19 9°/a 15 8% 12 9% 19 0% 16 6% 24 5% 31-40 32.?% 24 3% 16 Q% 24 1% 6% B B% 29 3% 29 11 5°!0 29.8% . 41-50 20.3% 51-64 13,5% 28 1% 4 5°l0 27 9% 9 0% 28. 3% 2 8% 65+ 0.0% 2.5% 0.0% 2.2% . 0.0% The fabie shows the per~entage af inernhers by age range The vatue is bold it ercent of inembers to lhe hook-of- the absolute difference batween yaur p business is greater than or equal to 1 5°h in the curtent repoAing period Percent of Empioyees by "Age Band" by Gender Female Employees Employees <zt 2i-30 37-00 41 •50 67-64 fi6+ 32 8% 32 7% These charts compare curtent reponing period's'Age Bands' & Gender as a percent of toial employee membership Page 3 of 6 Employer Group Reporting AvMed Health Plans Confidenfiai rn~~ r,(~~t3~e^'~s;'~. ~,'r~ ~ ~r~~- ~ . . ~ . i ~ ~ke, ~~~e.~~.~.c- tis - ~ ~ ' ~,.+ ,~`~~~~ ~ ~_L.. -.. . .. ~ tn this seco'n s atushwi hin~the AvMed Netwo k bAdd t onalfy, a~li tyof youagroup's Tap 10~Health Care Participat Providers ranked by tota} amount paid is provided. This list shows where your members requinng heaith care are getting the care they need Paid Medical Claims on a Per {Utember Per iVfonth (PtUiPM) basis. Current Reporting Period Submitted Amount Total PaEd Paid °/e of Total Paid % 6f Submfried Service pmount AIlownd DyOs 51 ~ q ~q $73 2t 562 &8 48 8°/a 52 3% % 59 93 S5 34 54 64 3 6% 46 8 Emergency $67 56 516.77 516 71 13 0% 24 7°Jo HOSPilel 57 59 53 13 53 D4 2 4°/a 40 1% Olher Outpatienl 5131 14 315 to S1A 93 ~S Z ~ PCP 518 48 58 85 58 02 o 43.4% Spectaiists 9 ~ ~4 s ~ 4 31 1% Tolal 413 3 ~ 1 1 ~ S 28 50 0 a 100 5119 74 573 21 562 68 48 B°/ 52 3% OfUgS 59 93 55 34 54 64 3 6% 48 8% Emergency 567 56 516 77 S16 71 13 0% 24 7°h Hosprial S4 78 51 33 51 29 1 0°~ 27 0°/u Olher Outpatlent 5131 14 515 10 514 83 ~ S~o ao o°~ P~P 5~3 27 gg p6 SS 30 $ cielists 2 S ' 94 7% 30 4% Tatai ~4D0 2 t 34 S1 5721 65 SO OD SD 00 50 OD 0 0% p 0% QNgs 9D 00 50.00 50 00 p 0°l0 0 0% Emergency SO 00 50 00 o Do,o 0 0°h ~psP~~~ SD 00 51 75 1 4% 62 5% Other S2 BO $1 80 50 00 p pa~ o o°k Outpatient SO DO 50 00 52 72 /e 2 1° 52 2% PCP 55 21 52 79 57 52 52,38 ~ 1.9/0 50.1°h Speclaifsts 54.75 • 58 BS 5.3% 53.7% Totai 5'12 76 57 16 The tehies ebove Ilst paid medical costs on a pmpm besfs Costs are grouped by Major service typas The "Total" block contains all gerv~oes The "Par' &"Nonpat" separate charges by provider partfclpaUon status CapltaGon costs are not included in this paid repori. page 4 of 6 Employer Group Repo~ting AvMed Healfh Pians Confidential Current Pertod Partlolpatfng Nan-Partlcipaling Current Period 7op 10 Hospitals Ranked on Paid Amount °/a of 7otal Running Rank Provider Name Pafd Hosp TotaE 0 Drugs ^ Emergency ^ Hospital o Other ^ Dutpatient o PCP ^ Speeialists The pie charts iflustrate the percentage af services by "Major Service Type".. Additional detail is provided by shawing services by parficipation status. 1 Memorial Hospitai-West 56.5°k 56 5% This table ranks the Top ~o Hospisais by totai pa~d 2 Memorlal Hospitai Miramar 26 1°~ 82 6°k , amount In the current period A column 3 Jaokson North MediCal Cenlel' 91 9 ~o g 3'~0 dispiays the amount as a 4 Westside Regional Medical Center g ~% 1 pp 0% percentage of lotai paid hagp~~~ claims 7he las~ 5 cotumn Is a running total at the percentege paid of 6 total paid Paid amounis ~ renecl taci~iy claims only 8 9 10 Page 5 of 6 Employer Group Reporting AvMed Heaith Ptans Confidentiai 7his section provides a summary view of your group's cost and utilization information Key utilization measures are stated in per 1000 ratias in order to annualize the data for comparison with the book of business Monthly key financiai measures are aiso shown Key Utilization 3tatistics Curr g~g InpatientAdmissions/1,~00 Members 84 ~7 Days of Inpalient Gare/1,00d Members 179 273 Average Length of Stay 2 ~3 41 295 ERlUC Claims/1,Q00 Members 358 Number Scripts/1000 Members 9 g70 g,973 Number Scriptslt00Q Employees ~4,346 20,088 Key Measures 6y Manth Dollar Amounts in Thousands Current Jan Feb Nlar Apr May Jun ~~~ Premium 556 $61 ~62 564 525 569 ~37 S23 Medical 51B 517 ~12 ~12 $20 $12 St1 S10 $9 Rx Capiiation' 191 207 Z~iz MM ifi5 182 184 This table lisls the monthly premfum. claims (mediaal, phartnaey, & capilation). and membership The premium CRx•i atiofn dol ars membership are posted ~ real•time monihs The medical otaims are posted when lhey are paid {paid monlh) ' P are esUmated as provider coniracts change Ihroughout ihe year ,..~mber basis. This seciion describes your group's Pharmacy costs on a per emp~~y~~ ~~ ~~ r~• Prescription Drug Summary Current paid per Member per Month ($PMPM) $~z ~ Paid per Employee per Month (~PEPM) $~~ 19 Copay % of Totai Allowed 14.0°!0 q~erage Monthiy CoPay per Claimant $~5 7s Generic Scripts / 10Q0 Members 5,289 Brand Scripts / 1Q00 Members 4,554 Generic Paid as % of Total B 8% Brand Paid as % of Total 91 0% Page 6 of 6 Empfoyer Group Reporting AvMed Fiealth Plans Confidentiel Page 1 of 2 Taren Kinglee From: Doretta Green [dgreen.mckinieyins@gmail.com] Sent: Monday, September 17, 2007 1:11 PM ~o; Taren Kinglee Subject: Re: Renewa{ Rates The L,ife and Vision Rates are not to change, they were under a 2 yr i~ate guarantee fram what I understand. I am waiting for confirmation from the carriei•s on these. I will follow baclc up with BCBS to see if they have released the Spending account rates. On 9/17/07, Taren ~inglee <tlcin~lee~miami~ardens-fl.~ov> wrote: Doretta, I just reafized that when you came by last week I was not present with renewal rates far Hartford, McKinley, 20/20 EyeCare ar BlueCross (flexible spending). Please advise ; Taren Kinglee Human Resources/Risk Director City of Miami Gardens 1515 N.W. 167 Street, Building 5-200 Miami Gardens, Florida 33169 ` 305-622-8030 305-622-8265 Fax '. The City of Miami Gardens is a public enlity subject to Chapier 1 f9 of fhe Florida Statufes concerning public records. Email messages are ca g 5 and kept as arpublrc reco d, subject to disclosure. A!1 E-mails sent and ~: received are caputred by our serv Canfidential Notice: This Emai! communicafio en f s named above..t !f you a~ernat fhe intended re~ ~'preln~~ ° informahon for the use of the designated rec~p f 1 are hereby not~ed fhaf you~hc~ve !n ~of it~o~ifs ~an ents Is~prohrbtedr If you have received ~hisr~ommunication dissemination, disttibufion pY 9 in error, please notify the sender immediatel.y by replying to fhrs message and delefing it from your compu er. Thank you 9/17/2067