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HomeMy WebLinkAbout08/28/2012AGENDA August 28, 2012 r�111 I I �I 1 1111 • Individuals with disabilities are encouraged to participate in all public meetings sponsored by the City (?f neat Ridge, Call Heather Geyer, Public Information Officer at 303-235-2816 at least one week in advance qfa meeting ifyou are interested in participating and need inclusion assistance, t I # B. Roll Call C. Approval of the Minutes: June 26, 2012 D. Officers Reports 1. Presentation & Acceptance of Audit M1113ME= 'in the City Council Ridge, Colorado. N •1 101*1 pril 24 2012 3. 7 " "910 PR O a r s i w a n mi ut itten. Motion carried 5-0. 4. OFFICERS RXPORT83 wt . . . . . . . . . . . There were no office reports. 5. PUBLIC FORUM No members of the public wished to address the Commission at this time. G. NEW BUSINESS A. Status of Single Family Home Sales and Rehab Housing Authority Minutes - I — June 26, 2012 Betty Maybin reported that the Nelson Street property is under contract for $164,500. The Moore Street property is under contract for $179,900. Closings are scheduled to take place in July. 0 N Sally Payne reported that there is good progress on the Yarrow Street property. Henry Wehrdt has estimated completion by the end of July. Notices were sent to tenants of the three remaining properties advising them of a moving date of July 27. Two of the three tenants have already found other places to live. Construction on these properties should be able to start in September. yet received a response. Cheryl Cornerstone Realty to look into,, Betty Maybin distributed information on possibI I e rehab properties on Chase, Marshall and Garrison Streets. Cornerstone.R lty sent a letter to the owner of the Chase Street property indicating by the , Authority but has not Update on Fruitdale School Ms. Payne distributce another house on Chase Street for *$LATERPAU'LUarchitects should complete their tda c Bui AI by fall. They will provide an ld e t to code. ace tions in the fall that would "k yRl, ing work , I- I , Id al 10w, i, and potential ►k at the li The Mthority gave direction to staff to R K is grant. In c S al ml n deadline to the State Review Board le Build"" r National Historic designation, The Board ton and make a decision at its September meeting as to RWo the National Park Service which is the entity that building at 1420 Ogden. SLATTERPAUL served as architect for this project. She reviewed copies of a power point presentation regarding the restoration process of this historic building Housing Authority Minutes - 2 — June 26, 2012 There was no unfinished business to come before the Authority. Sally Payne reminded Authority members to RSVP to Kathy Field regarding their attendance at meetings. Several members indicated they would be unable was moved by Joe 1 tt and seconded 24 1h meeting to July 31' • Gayle Miller reported on her att information to Kathy Field who �, 111111VIOREFOM 3M --nd the July 24' meeting. It anderveen to move the July ,HRO Conference. She will bring for Authority members. am Recording Secretary Housing Authority Minutes -3— June 26, 2012 FINANCIAL STATEMENTS December 31, 2011 um FINANCIAL SECTION Boar of i ► i a Whe INDEPENDENT AUDITORS' R PORT We have audited the accompanying basic financial statements of the Wheat` Ridge Housing Authority as of and for the year ended December 31, 2011. These financial statements are the.r"i lqnsibility of the Wheat Ridge Housing Authority's management. Our responsibility is to express an opinion khese fl- facial statements based on our audit. We conducted our audit in accordance with auditing standards 1 and the standards applicable to financial audits contained rrr Comptroller General of the United States. Those standards regl reasonable assurance about whether the financial stat are examining, on a test basis, evidence supporting the am tai t ad also includes assessing the accounting principles used 10 d sgiri ". evaluating the overall financial statement pre,eaatation. We `leliev opinion. ierally accepted in the United States of Arnerica rav rhment Auditing Standards, issued by the � that we plan and perform the audit to obtain e t f�inaterial misstatement. An audit includes isclp ores in the financial statements. An audit knt estimates made by management, as well as that our audit provides a reasonable basis for our In our opinion, the financial statements ref6tl to alt t, rresent fairly, in all material respects, the financial position of the Wheat Ridge Housing Authohl a ,ofD terxrber 31, 2011, and the changes in financial position and cash flows for the year then ended in con hnity with cour principles generally accepted in the United States of America. In accordance with Governrnenf k clr`ting S' ndards, we have also issued our report dated February 10, 2012, on our consideration of the Wheat Ridge 11p, using Authority's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, grant agreements and other matters. The purpose of that report is to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards and should be considered in assessing the results of our audit.. 1 A WHEAT RIDGE HOUSING AUTHORITY SIAIF,MENI OF NET ASSETS December 31, 2011 ASSETS Current Assets Cash Loans Receivable Property Held for Resale LIABILITIES Current Liabilities Accounts Payable Retainage Payable Accrued Liabilities TOTAL LIABILITIES NET ASSETS Unrestricted TOTAL NET ASSETS TOTAL LIABILITIES AND N S 585,501 7,619 1,340,017 3,455 15,073 629 19,157 1,913.980 1,913,980 1,933,137 The accompanying notes are an integral part of the financial statements. WHEAT RIDGE HOUSING AUTHORITY SIAILMENT OF REVENUES. EXPLNff,�j AND CHANGES IN NET ASSETS Year Ended December 31, 201 OPERATING REVENUES Rental OPERATING EXPENSES Selling Costs General and Administrative Repairs and Maintenance Utilities Management Fees City Reimbursement Unrealized Loss on Property Held for Resale IV I At, VMKA I I INIJ LAKIN NET OPERATING LOSS NONOPERATING REVENUES Interest Income NET LOSS BEFORE CAPITA CAPITAL CONTRIBUTIONS Grants C14ANGE IN NET ASSETS NET ASSETS, Beginning NET ASSETS, Ending 44,028 1.049 6,603 5.371 3,915 1.931 6,522 36,229 61 (17,592) 3,703 (13,889) 9K000 886,111 1,027,869 S 1,,913 980 The accompanying notes are an integral part of the financial statements, WHEAT RIDGE HOUSING AUTHORITY 5IAIEMLN1QLLA51iJ1QML� Increase (Decrease) in Cash Year Ended December 31, 2011 CASH FLOWS FROM OPERATING ACTIVITIES Cash Received from Tenants Purchase and Rehabilitiation of Investment Property Cash Payments to Vendors and Suppliers Net Cash Used by Operating Activities CASH FLOWS FROM NONCAPITAL FINANCING ACTIVITIES Loan Repayments from Homeowners CASH FLOWS FROM CAPITAL AND RELATED FINANCING ACTIVITIES Grants Received CASH FLOWS FROM INVESTING ACTIVITIES Interest Income Received NET DECREASE IN CASH CASH, Beginning CASH, Ending RECONCILIATION OF NET OPERATING LOSS TO NET CASH USED BY OPERATING ACTIVITIES Net Operating Loss Adjustments to Reconcile Net Operating Loss to Net Cash Used by Operating Activities Changes in Assets and Liabilities Related to 0 Property Held for Resale Accounts Payable Retainage Payable Accrued Liabilities Net Cash Used by Operating The accompanying notes are an integral part of the financial statements, S 44,028 (1.361,173) (29,006) (1,346. 327 900,000 3,703 (442,121) 1,027,622 S 585 (17,592) (1.340,017) (4,244) 15,073 629 0 WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 201 The financial statements of the Wheat Ridge Housing Authority (the "Authority") have been prepared in conformity with generally accepted accounting principles (GAAP) as applicable to governmental entities. The Governmental Accounting Standards Board (GASB) is the accepted standard-setting body for establishing governmental accounting and financial reporting principles. Following is a summary of the more significant policies. Reporting Entity The financial reporting entity consists of the Authority, organizations for which the Authority is financially accountable, and organizations that raise and hold economic resources for the direct benefit of the Authority. All funds, organizations, institutions, agencies, departments and offices that are not legally separate are part of the Authority. Legifly separate organizations for which the Authority is financially accountable are considered pertf the reporting entity. Financial accountability exists if the Authority appoints a,,, ing majo&, of the organization's governing board and is able to impose its will on the organization, or if the ifganization provides benefits to, or imposes financial burdens, on the Authority 4�6, Based on the application of this criteria the within its reporting entity. not include additional organizations Measurement Focus, Statement Presentation The Authority uses an.,e`wcrprie fund to ac count for its operations. Enterprise funds are used to account for operations tht.e liiiitli and operated in a manner similar to private business enterprises, where th,,�,', tle governing body is that costs of providing goods or services to the general public tin a contra iiing leis be financed or recovered primarily through user charges. The financial si to eats reported using the economic resources measurementfiocw and the accrual basis of d6eounlink. Revenues are recorded when earned and expenses are recorded when the liability is incurf regardless of the timing of related cash flows. Grants and similar items are recognized as revenue as soon as all eligibility requirements imposed by the providerhave been met. Enterprise funds distinguish operating revenues and expenses from nonoperating items. Operating revenues and expenses generally result from providing services and producing and delivering goods in connection with the fund's principal ongoing operations. Operating expenses include the cost of sales and services, administrative expenses, and depreciation on capital assets. All revenues and expenses not meeting this definition are reported as nonoperating revenues and expenses. When both restricted and unrestricted resources are available for use, it is the Authority's practice to use restricted resources first, then unrestricted resources as they are needed. Property Held For Resale Property held forresale includes the acquisition and rehabilitation costs of investment property, and is reported at the lower of cost or market value. 1WRIMM&NIMMING NOTES TO FINANCIAL STATEMENTS December 31, 201 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) The Authority is exposed to various risks of loss related to torts; theft of, damage to, and destruction of assets; errors and omissions; and natural disasters, The Authority carries commercial insurance for these risks of loss. Budgetary Information A budget is adopted for the Authority as a manage Therefore, budgetary information is not presented devise, but is not legally required. al statements. CASH AND INVESTMENTS L9= The Colorado Public Deposit Protectioii, Act , requires local government entities to deposit cash in eligible public depot JtQries. Ehijbility is determined by State regulations, Amounts on deposit in excess of feeii ) durance '1�pvcls must be collateralized by eligible collateral as determined by the PDPk, PAPA allows "he financial institution to create a single collateral pool for all public funds he foo "I's"VtOx, be maintained by another institution, or held in trust for all uninsured public d t tt as a soup. The market value of the collateral must be at least equal to 102% of the s "' At December 31, 201 the Authority had bank deposits of $305,828 ctiTiater securities held by the financial institution's agent but not in the Authority's Investments The Authority is required to comply with State statutes which specify investment instruments meeting defined rating, maturity, and concentration risk criteria in which local governments may invest, which include the following. State statutes do not address custodial risk. 12 WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 2011 NOTE 4: LOANS RECEIVABLE During 2002, the Authority approved a loan, totaling ,$10,250, "t `-4 a homeowner with closing costs related to a condominium purchase. The,, oan requires mmil , lily payments of $50, including interest at 3.5% per annum, through September, "This loan is secured by the condominium unit. During 2011, the homeowner paid principal i loan totaling $327, leaving an outstanding balance of $7,619 at December 31, 20l,,j 00V= During 2011, the Autbddt y obtained tederAgrants of $900,000 to purchase and rehabilitate seven My residential properties. At le," 2011, nine properties, including rehabilitation costs, were held for resale llbWln is" a riz zmary of transactions for the property held for resale for the year ended December 31, 2 Balance Balance 12/31/10 Additions Deletions 12/31/11 Acquisition and Rehllitation Costs of Investment property 1,376,246 36,229 $ 1,340,017 At December 31, 2011, management determined that the carrying value of property held for resale exceeded the estimated market value. Accordingly, the carrying value was reduced by $36,229, Cooperation Agreement The Authority has entered into an agreement with the City of Wheat Ridge for contracted services. Under the terms of this agreement, the City will provide legal, planning and engineering services, etc., as deemed necessary by the Authority. Under the terms of this agreement, the City Manager or his designee will act as the Executive Director of the Authority, VA WHEAT RIDGE HOUSING AUTHORITY NOTES TO FINANCIAL STATEMENTS December 31, 2011 COMMITMENTS AND CONTINGENCIES (Continued) Claims and Judgements Community Development Block Grant Under the Program Income Reuse Plan appr( Authority has agreed to return any remaini Development Block Grant, including rental ing, County once the Program Income Reuse Plan tg: Note 5). Tabor Amendment Colorado voters passed an several limitations, includi) state and local governnn't t management believes the`< the tlthority and Jefferson County, the ram nib. related to the Community proceeds',' d interest income, to Jefferson ed or the related project is completed (See '5tafe Constitution, Article X, Section 20, which has ;pending abilities, and other specific requirements of is complex and subject to judicial interpretation, but from the provisions of the Amendment, M COMPLIANCE i Board of Commissioners Wheat Ridge Housing Authority Wheat Ridge, Colorado We have audited the basic financial statements of the of the Wheat Ridge"flousing Authority as of and for the year 17,0 ended December 31, 201 and have issued our report thereon datedf & 2012. We conducted our audit in accordance with auditing standards generally accepted in the United of Ahibbi,ca and the standards applicable to financial audits contained in Government Auditing Standard v b� , issue by the Co " troller General of the United trip States. Internal Control Over Financial Reporting In planning and performing our audit, we considered I financial reporting as a basis for designing our auditing financial statements, but not for the purpose, o, f exprt Housing Authority's internal control rel effectiveness of the Wheat Ridge Houstrt ut it 's aeat Ridge" Housing Authority's internal control over d N 211 um% the purpose of expressing our opinion on the an opinion on the effectiveness of the Wheat Ridge �. Accordingly, we do not express an opinion on the al control over financial reporting. A deficiency in internal control oil yhen tt design or operation of a control does not allow management or employees, in the normal course of pcf',"formifilf"their assigned functions, to prevent, or detect and correct, misstatements on a timely, b "A' iN. A materW weakness is a deficiency, or combination of deficiencies, in internal control such that there is a r6A.Apnable possibility that a material misstatement of the Wheat Ridge Housing 7 , Authority's financial statements Wit, qtbe prevented, or detected and corrected, on a timely basis. Our consideration of the Wheat Ridge Housing Authority's internal control over financial reporting was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control over financial reporting that might be deficiencies, significant deficiencies or material weaknesses. We did not identify any deficiencies in internal control over financial reporting that we consider to be material weaknesses, as defined above. This report is intended solely for the information and use of the Board of Commissioners, management, federal awarding agencies and pass-through entities and is not intended to be and should not be used by anyone other than these specified parties. February 10, 2012 IM Board of Commissioners Wheat Ridge Housing Authority Wheat Ridge, Colorado Compliance We have audited the Wheat Ridge Housing Authority's comp described in the U.S. Office of Management and Budget (OMB) have a direct and material effect on each of its major federal pr Wheat Ridge Housing Authority's major federal programs are it of the accompanying schedule of findings and questioned c( regulations, contracts and grants applicable to each of',it,&-major Ridge Housing Authority's management. Our respon Authority's compliance based on our audit. Tl!�� We conducted our audit of compliance in) of America; the standards applicable to Comptroller General of the United States; Profit Organizations. Those standdiNdi'ArI reasonable assurance about whether non could have a direct and mate fl,il,effect on basis, evidence about the Wheat 1,","O eHoi �,Pc other procedures as we considere d uppess basis for our opinion. Our audit do i io compliance with those requirements'. th t'I*&Iypcs of compliance requirements -133 " liance Supplement that could r the year- ended December 31, 201 The n the summary of auditors' results section npliance with the requirements of laws, grams is the responsibility of the Wheat i an opinion on the Wheat Ridge Housing corddiace with auditing standards generally accepted in the United States ancial,' audits contained in Government Auditing Standards, issued by the t Tar A -133, A udits ofStates, Local Governments, and Non- 6KOI 'Circular A -133 require that we plan and perform the audit to obtain , opliaft , ce with the types of compliance requirements referred to above that ajoi federal program occurred. An audit includes examining, on a test ,4'hg Authority's compliance with those requirements and performing such ,ry in the circumstances. We believe that our audit provides a reasonable provide a legal determination of the Wheat Ridge Housing Authority's In our opinion, the Wheat Ridge Housing Authority complied, in all material respects, with the compliance requirements referred to above that could have a direct and material effect on each of its major federal programs for the year ended December 31, 201 Our consideration of the Wheat Ridge Housing Authority's internal control over compliance was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control over compliance that might be deficiencies, significant deficiencies or material weaknesses. We did not identify any deficiencies in internal control over compliance that we consider to be material weaknesses, as defined above. This report is intended solely for the information and use of the Board of Commissioners, management, federal awarding agencies and pass-through entities and is not intended to be and should not be used by anyone other than these specified parties. M WHEAT RIDGE HOUSING AUTHORITY Year Ended December 31, 2011 Summary of Auditors' Results Financial Statements Type of auditors' report issued: unqualified Internal control over financial reporting: • Material weaknesses identified? • Significant deficiencies identified that are not considered to be material weaknesses? Noncompliance material to financial statements noted? Federal Awards Internal control over major programs: • Material weaknesses identified? Significant deficiencies identified that are not considered to be material weaknesses? Type of auditors' report issued on compliance for Any audit findings disclosed that are required to be reported in accordance with Section 5 I0(a) of OMB Circular Identification of major 14.218 Community Dollar threshold used to di, between type A and type B Anditee qualified as low-risk auditee? yes x 110 yes x none reported yes x no ,yp, x no yes x none reported yes x no yes x no Financial Statement Findings The audit of the financial statements did not disclose significant deficiencies in internal control that would be considered material weaknesses, and did not disclose fraud, illegal acts, violations ofprovisions of contracts and grant agreements, or abuse that were material to those financial statements. Federal Awards Findings and Questioned Costs The audit of federal awards did not disclose significant deficiencies in internal control that would be considered material weaknesses, and did not disclose instances of noncompliance or abuse that were material to those federal awards. a Board of i i Wheat } i R idge, I I We have audited the basic financial statements of the Wheat Ridge Housing.uthority as of and for the year ended December 31, 2011, and have issued our report thereon dated February; 2012, which contained an unqualified opinion on those financial statements. Our audit was conducted for the ptiilai�se of forming an opinion on the Wheat Ridge Housing Authority's financial statements as a whole. We conducted our audit in accordance with auditing standards der Government Auditing Standards, issued by the Comptroller Genei* of Management and Budget Circular A -133, Audits of"States, Loe' Those standards and OMB Circular A -133 require that we plan and about whether the financial statements are free of mat�t1 ttttsta basis, evidence supporting the amounts and disclosures its the man the accounting principles used and significant estimates trade b financial statement presentation. We belt, fief our audg'"provid ,rally accepted id the United States of America, afihe United States, and the provisions of Office t Goveriunents, and Non - Profit 01ganizations. yet fit,,, the audit to obtain reasonable assurance emit. An audit includes examining, on a test ial statements. An audit also includes assessing management, as well as evaluating the overall . s a reasonable basis for our opinion. The accompanying schedule of expenditu &,Ii tf`draii awards is presented for purposes of additional analysis as required by OMB Circular A-1 a :not a squired part of the financial statements. Such information is the responsibility of managemep and was tl t;; ved tf o n and relates directly to the underlying accounting and other records used to prepare the facial statlents The information has been subjected to the auditing procedures applied in the audit of financial A temerii and certain additional procedures, including comparing; and reconciling such information directly to the unlyxn accounting and other records used to prepare the financial statements or to the financial statements themsely; and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the schedule of expenditures of federal awards is fairly stated in all material respects in relation to the financial statements as a whole. WHEAT RIDGE HOUSING AUTHORITY SCHEDULE OF EXPENDITURES OF FEDERAL, ANAKQ-� Year Ended December 31, 201 CFDA Federal Grantor/Pass-through Grantor/Program Title Number Expenditures U.S. Department of Housing and Urban Development Passed through Jefferson County Community Development Block Grant 14.218 S 944,028 TOTAL FEDERAL FINANCIAL ASSISTANCE S 9 4.028 See the accompanying Independent Auditors' Report. E WHEAT RIDGE HOUSING AUTHORITY NOTES TO SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS December 31, 2011 The accompanying schedule of expenditures of federal awards is presented in accordance with the requirements of OMB Circular A-133, Audits of States, Local Governments, and Non - Profit Organizations, using the accrual basis of accounting. Therefore, some amounts presented in this schedule may differ from amounts presented in the financial statements. 11M February 10, 2012 Board of Commissioners Wheat Ridge Housing Authority Wheat Ridge, Colorado We have audited the financial statements of the Wheat Ridge Hou'ing Authority as of and for the year ended " December 31, 20111, and have issued our report thereon dated Febra' Y10,2011 4 fessional standards require that we provide you with the following information related to our,Odit Our Responsibility under Generally Accepted Auditing As stated in our engagement letter, our responsibility, _q-4 by professional standards, is to express an opinion about whether the financial statements prepared by m4nagoment your oversight are fairly presented, in all, material respects, in conformity with accounting principl generally accepted in the United States of America. Our audit of the financial statements does not f&fievbryou or n"ement of your responsibilities. Because an audit is designed to provider Otiii b 64f`fiu't absolute, assurance and because we did not perform a detailed examination of all risk that material misstatements or noncompliance may exist and not be detected by us. In addition, an audifis not signed to detect immaterial misstatements or violations of laws natefial effect on the financial statements. or regulations that do not hAv direct ano As part of our audit, we considdivd the internal control and material compliance of the Authority. Such considerations were solely for the pittXose of determining our audit procedures and not to provide any assurance concerning such internal, control or compliance. We are responsible for cominunicating significant matters related tothe audit that are, in our professional judgment, relevant to your responsibilities in overseeing the financial reporting process. However, we are not required to design procedures specifically to identify such matters. Also, in accordance with OMB Circular A-133, we examined, on a test basis, evidence about the Authority's compliance with specific requirements applicable to major federal financial assistance programs for the purpose of expressing an opinion on the Authority's compliance with those requirements. Issues Discussed Prior to Retention of Independent Auditors We generally discuss a variety of matters, including the application of accounting principles and auditing standards, with management each year prior to retention as the Authority's auditors. However, these discussions occurred in the normal course of our professional relationship and the responses were not a condition to our retention. Significant Accounting Policies Accounting Estimates Accounting estimates are an integral part of the financial statements prepared by management and are based on management's current judgments. Certain accounting estimates are particularly sensitive because of their significance to the financial statements and because of the possibility that future events affecting them may differ significantly from management's current judgments. We evaluated the key factors and assumptions used to develop the significant estimates in determining that they are reasonable in relation to the financial statements taken as a whole. Significant Audit Adjustments Professional standards require us to accumulate all known and fit, process, other than those that are trivial, and communicate thpth to standards define a significant audit adjustment as a propose rprr judgment, may not have been detected except through our auditin "'j),; 9 indicate matters that could have a significant effect on the A t orit y 's " financial statements to be materially misstated). In out. t anent, individually or in the aggregate, indicate matters that Cou ta reporting process. Disagreements with Management sstatr i icuts identified during the audit propri�(t;°°fevel of management. Those of the financial statements that, in our res. An audit adjustment may or may not ial reporting process (that is, cause future of the adjustments we proposed, either icant effect on the Authority's financial For purposes of this letter, profesvioj define a disagreement with management as a matter, whether or not resolved to our satisfaction, coned rixing a l tt ancial accounting, reporting, or auditing matter that could be significant to the financial stilements or th y, auditors' report. We are pleased to report that no such disagreements arose during the course of our' Consultations with Other Indepeo" Accountants In some cases, management may decide to consult with other accountants about auditing and accounting matters, similar to obtaining a "second opinion" on certain situations. If a consultation involves the application of an accounting principle to the Authority's financial statements or a determination of the type of auditors' opinion that may be expressed on those statements, our professional standards require the consulting accountant to check with us to determine that the consultant has all the relevant facts. To our knowledge, there were no such consultations with other accountants. Difficulties Encountered in Performing the Audit We encountered no difficulties dealing with management during the audit process. We have requested certain representations from management that are included in the management representation letter. N Conclusion We would like to thank Dick Matthews, Sally Payne and Kathy Field for their assistance during the audit process. This report is intended solely for the infon and use of the Board of Commissioners and management of the Wheat Ridge Housing Authority and is not intended to be and should not be used by anyone other than these specified parties. Very truly yours,