Colorado Springs Business Journal September 15, 2017 by Colorado Springs Business Journal

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VOLUME 28, NUMBER 24 | Sept. 15 - Sept. 21, 2017 | 2.00 $

ROGUE ROBOTS

The health care economy:

Shutterstock

Colorado Springs 11,000

10%

Health care employees

Uninsured in El Paso County

$56,408 Average annual salary for health care workers

Medical device manufacturers and life science companies

27,000

Medical innovation and technology employees

$82,000

Data Innovation Learn how one small local tech company used big data for outsized results in the fight against pancreatic cancer.

page 14

1,720 : 1 people per primary care physician in El Paso County

1,020 : 1 people per dentist in El Paso County

Average annual salary for medical innovation company employees

390 : 1

122,000

people per mental health provider in El Paso County

Direct and indirect jobs in medical innovation and technology

(Source: countyhealthrankings.org, Robert Wood Johnson Foundation)

(Source: Colorado Springs Chamber of Commerce & EDC)

INSIDE

Hazlehurst: Amazon potential........3 Education and innovation...............4 YP: Tony Karr (left)..........................6 Marijuana costs.............................10 Pueblo Business News................ 25 Energy Economics....................... 33

EDITORIAL: ECONOMICS MAKE CASE TO CLOSE DRAKE

56525 10751

Celebrate the healthiest companies in Colorado Springs â&#x20AC;&#x201D; the firms changing attitudes at altitude.

6035 LIFESTYLE

2 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

CSBJ.com Poll Do you think the governors’ health plan addresses concerns about affordability in the health insurance market?

Nope. It falls short, just like every federal plan so far.

It’s a start. States will have to get it done since the Feds can’t. I don’t know yet. I need more

information.

Hard to say. It’s a lot of responsibility for the states to take on.

45% 23% 19% 13%

Go to CSBJ.com to vote on next week's poll:

Should Colorado Springs Utilities move up the timeline to close Drake?

See past results at csbj.com/democracy-archives

Managing Growth This icon will appear alongside stories covering regional growth in 2017. csbj.com/2017/01/06/2017-time-toplan-for-growth/

CSBJ OPINION 719-634-5905 Editor & COO Amy G. Sweet........................................ amy.sweet@csbj.com Managing Editor

Bryan Grossman......................... bryan.grossman@csbj.com

EDITORIAL Staff Reporters Audrey Jensen............................... audrey.jensen@csbj.com Helen Robinson............................. helen.robinson@csbj.com Bob Stephens................................... bob.stephens@csbj.com Researcher Cristina Jaramillo................... cristina.jaramillo@csbj.com Copy Editor Mary Jo Meade....................................... maryjo@csindy.com

ADVERTISING Advertising Director

Jeff Moore................................................jeff.moore@csbj.com Account Executives

Markets demand Drake closure The issue: Martin Drake Power Plant is outdated and its polluting coal contributes to global warming. The more competitive cost of natural gas and renewables makes them better ways to produce electricity. What we think: It’s time to close Drake and invest in a mix of natural gas and renewable energy to plan for future electrical power needs.

Tammy Fogall................................. tammy.fogall@csmng.com Royce Gomez...................................... royce.gomez@csbj.com

ART AND PRODUCTION Art Director

Melissa Edwards....................... melissa.edwards@csbj.com Digital Marketing & IT Manager

Ryan Hannigan................................ ryan.hannigan@csbj.com Graphic Designer

Rowdy Tompkins.........................rowdy.tompkins@csbj.com

SUBSCRIPTIONS Circulation Coordinator

Tim Kranz................................................... tim.kranz@csbj.com Subscription Sales

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COLORADO PUBLISHING HOUSE Chairman of the Board

John Weiss Executive Editor Ralph Routon..................................... ralph.routon@csbj.com Subscriptions are $89.00 for 53 issues and include monthly supplements, and the Book of Lists. Serving The City of Colorado Springs and El Paso County The Colorado Springs Business Journal (ISSN 1062-810X)(013-838) is published weekly, with two additional issues each year, by:

Publication Corporation of Colorado Springs dba Colorado Publishing Company (719) 634-5905, Fax: (719) 577-4107 235 S. Nevada Ave., Colorado Springs, Colorado 80903-1246. PERIODICAL postage paid at Colorado Springs, Colorado 80910-9651. POSTMASTER: Send address corrections to: Colorado Springs Business Journal 235 S. Nevada Ave. Colorado Springs, CO 80903 The entire contents of this publication are copyrighted by Colorado Publishing Company. Reproduction or use of content in any manner is prohibited without prior written consent.

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Tell us what you think: Send us an email at editorial@csbj.com.

n eight months, Colorado Springs Utilities could build a new gas-fired power plant. In two years, it would start to see a return on its investment. So why did CSU’s board of directors pick 2035 as the closing date for Drake Power Plant? It’s a short-sighted decision for a city-owned utility that prides itself on thinking for the long term, as it did with the Southern Delivery System to secure future water resources. Drake has its challenges: Its footprint is constrained; there’s no way to plan for peak times and down times; burning coal means investing more money to mitigate pollution from sulfur dioxide and nitrogen dioxide — and nothing CSU does offsets the coal plant’s carbon footprint. Drake’s business model does not match economic reality. Costs for providing renewable energy have dropped and are competitive with fossil fuels, according to sources from Lawrence Livermore National Laboratory and Lazard, a financial advisory firm. They forecast that in a decade it will be cheaper to retrofit a plant for wind and solar than it will be to continue to burn fossil fuels. As alternative energies drop in price, it make sense

to invest more money in new technologies and less in maintaining an outdated means of producing electricity. A new plant won’t demand the capital outlay and maintenance costs associated with downtown’s aging coal-fired plant. Drake is 80 years old, and experts say it is far past its prime and no longer a money-maker for Utilities. And that’s where a new natural gas plant could play a huge role. Unlike coal or nuclear energy, natural gas plants have the ability to ramp up during peak times and ramp down when there’s less demand — making way for utilities to add more renewables to its mix. The problem: Drake’s aging infrastructure and limited space don’t allow for much — if any — innovation. Some experts claim CSU clings to coal because it makes money from Drake, making investing in natural gas seem like a losing proposition. Others say the board is slow to move because the Springs enjoys some of the cheapest electricity in Colorado — and that’s a major benefit to businesses. But Drake inhibits investment in the city’s downtown core. It’s an eyesore, its plume of smoke visible from most of the city and from the summit of Pikes Peak. Cities can’t thrive without a vibrant, robust core — and Drake is keeping the downtown business corridor from fully realizing its growth potential. It’s time to embrace diverse energy production — build a natural gas plant that can be retrofitted in a decade to use wind or solar as well as natural gas. Wind and solar can provide energy during low load times, while natural gas could handle peak load periods. The city’s pollution problem is vastly reduced; its downtown has new room to build apartments, businesses, technology groups and laboratories — creating an engine for the rest of Colorado Springs that can stand as a bulwark against future economic downturns. Colorado Springs Utilities: Don’t wait until 2035 or even 2025. Invest in the future now. CSBJ n

SHARE YOUR OPINION Guest commentaries: Have a topic you’d like to

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write about? Send us no more than 750 words. And feel free to send us an email before you start to write to gauge our interest. Contact us at editorial@csbj.com or 719-634-5905.

Send letters to the Colorado Springs Business Journal, 235 S. Nevada Ave., Colorado Springs, Colo. 80903, or email letters to editorial@csbj.com.

Give us your feedback: Join the conversation, add a comment or pose a question on anything we publish on our website. Just scroll to the bottom of the story at csbj.com and start typing away in the Post a Comment box.

Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

OPINION: HAZLEHURST

The Springs should act now for Denver’s Amazon bid

ccording to a recent analysis by The New York Times, Denver is the logical location for Amazon’s new headquarters. The Mile High City checks all the boxes — a metro area of more than 1 million with a diverse population, an international airport, superb public transportation, a vibrant tech sector and nearby recreation opportuni- HAZLEHURST ties. Perhaps most significantly, it’s the kind of place that Amazon employees would like. In sharp contrast to the debacle a few years ago, when the Denver metro area submitted two separate bids in efforts to attract Boeing, all the players are lining up to submit a single unified proposal. Amazon has made it very clear that the successful city will pay dearly for the privilege. How much? Wisconsin landed the 13,000-employee Foxconn deal with an offer of $3 billion over a multi-year period. What will Colorado have to pay for 50,000 high-level jobs with an average annual salary of $100,000? We’ll see. If Denver succeeds, what’s in it for us? Will we just be passive spectators, with little or no say in the process? Or should we be proactive and figure out how to minimize costs and maximize benefits? The benefits are obvious enough. A massive corporate headquarters in Denver would have spillover effects, spurring residential, commercial and industrial development in the Pikes Peak region. For those benefits to be maximized, we need specific commitments in the bid package to make it a unified Front Range proposal.

John

Consider: Depending upon the terms of the bid, state transportation resources for the indefinite future might be focused on the Denver MSA. That might further delay work on the I-25 bottleneck, whether or not El Paso County voters agree to put up a few million bucks for the project. Absent I-25 widening, the Amazon spin-off effect will be far less significant. For the same reason, the state, Denver, Colorado Springs, Fort Collins and Pueblo need to make meaningful commitments to Front Range passenger rail. If both projects are included in the bid package, it’ll benefit all the players. But unless we get to work now, the bid package will be entirely Denver-centric. Promised transportation improvements will focus on DIA, I-70 and light rail. It may hurt our feelings, but Denver-area power players think of us as we used to think of Pueblo. We’re seen as a quirky, politically bizarre and often self-destructive city that doesn’t really matter. We paid no attention to Pueblo until we had to, thanks to the Southern Delivery System. Similarly, Denver won’t pay any attention to our particular needs until we make it clear that they can’t just blow us off, and expect us to be part of the Amazon amen chorus. And even though Denver Mayor Michael Hancock and his allies might deny it, buyer’s remorse might set in a few years hence. According to Amazon’s projections, the new headquarters will have 50,000 employees in 20 years. Such projections assume that the Amazon of 2037 will be like today’s unstoppable behemoth, only much more

so. That’s certainly possible, but a lot can change in 20 years. In 1997 daily newspapers ruled the advertising world; Facebook didn’t exist; Lehman Brothers was a financial powerhouse; and Fortune had for the second straight year named Enron as America’s most innovative company. Look at the business landscape of Colorado Springs in the 1980s and 1990s. Dominant companies included Intel, MCI, Digital Equipment, Hewlett-Packard, Brown Disc and Apple. The world changed, the companies merged, folded or left town and Colorado Springs lost 20,000 high-tech manufacturing jobs. Amazon’s new headquarters won’t replace the Seattle location, but will only serve to complement it. The new location will simply extend the company’s command-and-control operations, ramping up to more than 100,000 white-collar workers in two locations. That’s four times as many as the 26,000 who labor at the Pentagon. Mature American corporations love to build headquarters. Think of the Pan Am Building, the Chrysler Building, the Sears Tower, the Woolworth Building, Apple’s $5 billion “spaceship” and even our once-elegant Holly Sugar Building. To Jeff Bezos’ credit, Amazon’s plans seem far more modest — no 150-story Bezos Building, no monument to Amazon’s present grandeur. Yet if Amazon comes to Colorado it may change our lives beyond imagining — and maybe we can snag some of those $100K jobs. Jeff, any openings for elderly journalists? CSBJ

If Denver succeeds, what’s in it for us?

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Colorado Springs Business Journal

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nnovation has long been a buzzword in business. But even before businesses are formed, local higher education institutions are finding new ways to make sure graduates have the skills the Colorado Springs business community needs — both to guarantee a properly trained workforce and to retain graduates in the local business community. “We’re all in this together,” said UCCS Chancellor Venkat Reddy. “We need to work together to make graduates stronger, make them better employees, better entrepreneurs and great leaders.” And UCCS is creating new programs to make sure the university is working closely with businesses. One is a co-op program where students alternate between a year of studies and a year working at local businesses. “The company will know the student is a keeper,” Reddy said. “It might take six or seven years for the — Venkat student to finish their degree, but they walk out debt-free because they worked full-time at the company. The company benefits because they get educated employees who are already thinking from that company’s perspective.” Reddy is currently in discussions with local companies to find student placements and said it could be live as soon as next fall. “It needs to be set up right, because if it fails, nobody will want to touch it,” he said. UCCS is also working with local health care organizations like UCHealth, Centura and Kaiser Permanente to address the severe nursing shortage. Solutions include increasing scholarships and working directly with Pikes Peak Community College, where many health care students get their first instruction before transferring to a fouryear school, he said. “We’re talking with Memorial

Hospital about hiring students and supporting them while they finish their education,” he said.

CODERS NEEDED In addition to health services, Reddy said the local workforce is demanding more trained engineers and those with business degrees. Tom Christensen has been a physics instructor at UCCS for more than a quarter century and is the director of UCCSTeach, a university program started in 2010. It is designed to better prepare future secondary science and math teachers. Due to a shortage of qualified science, technology, engineering and math instructors, UCCS encourages those who have already worked in those fields to consider education careers. The univerisity has adapted the program to put more emphasis on engineering, thanks to a larger, national conversation regarding the Reddy shortage of qualified engineers in the U.S., Christensen said. About 54 students have graduated and become teachers through the accelerated program, which can have candidates in front of a class within a year. This year’s program has a total of 128 students enrolled and, through the College of Engineering, the university added a Bachelor of Science in Engineering Education degree last fall, which will put additional emphasis on creating engineering educators to meet demand. Christensen said one track yet still needed at UCCS is in coding and computer science, especially considering the city’s emphasis on its cybersecurity industry. “It’s possible that could happen soon,” he said. “I think we’ll see developments in that area.”

“We need to work together to make graduates stronger, make them better employees, better entrepreneurs and great leaders.”

See Education page 29

Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

Manufacturers prepare to battle rogue robots ROBOT NATION

By Helen Robinson

ogue robots aren’t the stuff of science fiction anymore — they’re a real risk, and one that Colorado Springs manufacturers must face as the industry becomes more connected. Many manufacturers are underestimating the damage hackers can do to — and through — connected robotic systems, according to Shawn Murray, cybersecurity engineer and chief academic officer with Springsbased Murray Security Services & Consulting. Cybersecurity needs to be front-andcenter as manufacturers upgrade to more automation and robotics, he said. “Depending on how old the organization is, traditional manufacturing is not considering the aspects related to cyber — Shawn attacks,” he said. “What if I was to break into your system and steal a portion of your code or ... encrypt your entire system? Now you can’t even do production, because I’ve locked you out of your own environment. “It’s not until something like that happens, that you’re going to start getting people worried about this kind of thing. Some are doing it correctly, but I would say there are many that are not.” Murray said leadership at many manufacturing companies is several generations deep, and a productivity- and business-oriented focus tends to win out over any focus on critical security systems associated with robotics or the manufacturing process. “The attitude [is] ‘Well that’s ridiculous, that couldn’t happen to me. Nobody can hack this system because it’s a different code that’s used,’” he said. “Well, if it’s attached to your business network, a skilled actor or a state actor — say the Chinese, the Iranians, Russians — they’re going to be able to figure it out,” he said. “There’s a lot of risk out there.”

By 2019, about 2.6 million industrial robots will be operating in factories worldwide, according to the International Federation of Robotics, with robots playing a key role in “industry 4.0,” characterized by automation trends and smart factories. The IFR expects the annual supply of industrial robots to North America to increase an average of 5-10 percent each year between 2016 and 2019. A recent report from enterprise data security company Trend Micro and Polytechnic University of Milan looked at how malevolent hackers can compromise industrial robots — either as an act Murray of sabotage, or in ransomware schemes. “Rogue Robots: Testing the Limits of an Industrial Robot’s Security” found the increased complexity and interconnectedness of industrial robots has opened a “broader attack surface” for hackers. “Industrial robots — originally conceived to be isolated — have evolved and are now exposed to corporate networks and the internet,” the report says. “In industrial devices, the impact of a single, simple software vulnerability can already have serious consequences. Depending on the actual setup and security posture of the targeted smart factory, attackers could trigger attacks that could amount to massive financial damage to the company in question or at worst, even affect critical goods.” According to the report, cybersecurity is becoming especially urgent as more industrial robots are connected to computer networks and designed to work alongside humans.

“There’s a lot of risk out there.”

See Robots page 32

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6 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

YOUNG PROFESSIONAL

Karr takes the reins at Lewis-Palmer

By Audrey Jensen

ony Karr, the new principal for LewisPalmer High School, is not a new face in School District 38. Karr was dean of students at Palmer Ridge High School from 2012-14, followed by three years there as assistant principal before taking the top job at Lewis-Palmer. This academic year, Karr, at 36 years old, is responsible for leading the 1,050-student school. He says he is honored to be the principal for the current freshmen — the class of 2021 — who will be the school’s 100th graduating class. Karr, who lives with his family in Colorado Springs, said that working at the smaller high school helped him prepare to take on a larger role at Lewis-Palmer. “This is a school district that provides an amazing opportunity regardless of what school you’re at,” Karr said. “My roots are at Palmer Ridge … but there’s something to be said about a school district’s flagship high school and that’s what this is. I think their traditions and everything that gets honored at Lewis-Palmer High School is very important, and I’m very privileged to be a part of that.” Karr, who used to teach technology, industrial and construction technology and STEM in Douglas and Eagle county school districts, said he hopes Colorado will continue to expand education options to help more students pursue multiple avenues to graduation, such as earning college credits through Pikes Peak Community College. Karr spoke with the Business Journal about being the new principal at LPHS and shared his thoughts on the future of education. Why did you decide to go into education? I was a hands-on kid. I grew up working in the family apple orchard [in La Crescent, Minn.], and during college worked framing houses, so I had always known that I was that kind of learner. [I knew I] really needed to be hands-on, bringing the real-world practical experiences to my life. … I got into education based off a drive of wanting to give back and have been really blessed and fortunate to have a lot of quality people influencing me and helping me. … I had a need, a desire, a passion to give that back to the community. I played three sports in high school and was driven for success through playing sports, and the

coaches that I had were all teacher coaches. So the influence they had on me and the impact they were able to have in the classroom and on the athletic playing field was definitely something I wanted to model. What options are available for students who don’t want to pursue college? We’re currently utilizing Career Start, which is a program through Pikes Peak Community College for students in their junior and senior years of high school to work on an associate’s degree or a certification in a specific area. We’ll definitely be looking at opportunities to expand concurrent and dual enrollment options for students … and looking to expand career and technical education pathways. So this freshman class will need to hit graduation competencies in math and English, and we will be expanding the opportunity for students to do that. How can schools help fill trade skills gaps, like construction? I really see that there’s a pendulum coming back for the need to develop and train people to fill those jobs, and Colorado is kind of in a job crisis where employers are recognizing that they’re not able to fill all the positions that are needed. To the state’s credit, having an emphasis [on graduation] — not just on kids hitting graduation requirements based off of an SAT or ACT cutoff score but also an opportunity through an advanced career certification. They recognize that as a very valuable pathway, and kids should have the opportunity to pursue that pathway. So I’m very hopeful that we will have a large number of students pursuing those types of pathways to reach their graduation competencies. What advice would you give to other young professionals? I would say listen and take advantage of the mentoring and the people that have come before you and have experience in the roles that you’re taking on, and learn from those experiences and listen to them, work with them, learn from them. Take advantage of opportunities to grow — take on new challenges. There’s always an opportunity to learn something new. Maybe muddle through it a little bit, but you’ll grow in the long run because of it. CSBJ n

Photo by Audrey Jensen

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

THE LIST: PHYSICAL REHABILITATION CENTERS From The Book of Lists & Power Pages Ranked by Total No. of Local Employees Physical Rehabilitation Centers Ranked by Total No. of Local Employees Name Address

Website Email Phone

No. Locations El Paso County

Person in Charge, Title

Owner, City and State

Year Est. Locally

healthsouthcoloradosprings.com carley.hyman@healthsouth.com 719-630-8000

Total Staff/ FT/ PT 140 95 45

HealthSouth Rehabilitation Hospital of Colorado Springs 325 Parkside Dr. Colorado Springs, CO 80910 Orthopedic Rehabilitation Associates PC 3605 Austin Bluffs Pkwy. Colorado Springs, CO 80918

Stephen Schaefer, CEO

Healthsouth Corporation Birmingham, AL

1991

oraclinic.com alinta@oraclinic.com 719-265-6601

46 35 11

Daniel P. Fogarty, MPT, Owner

Action Potential Physical Therapy 1612 E. Pikes Peak Ave. Colorado Springs, CO 80909

actionpotentialpt.com briargate@prnpt.com 719-630-3193

40 38 N/A

Child Development Center of Colorado Springs Inc. 3090 N. Academy Blvd. Colorado Springs, CO 80917

cdcrehab.com info@cdcrehab.com 719-574-8300

37 32 5

Spectrum Rehabilitation Inc. 810 Arcturus Dr. Colorado Springs, CO 80905

spectrumrehab.net aknutson@spectrumrehab.net 719-444-0381

25 25 N/A

Joint Effort Physical Therapy LLC 2835 Dublin Blvd. Colorado Springs, CO 80918

jointeffortrehab.com north@jointeffortrehab.com 719-533-1318

22 11 11

Kevin Hyland, Owner

Pikes Peak Therapeutic Riding Center 13620 Halleluiah Tr. Elbert, CO 80106

pptrc.org pptrc@pptrc.org 719-495-3908

16 7 9

Shannon Mitchell, Executive Elbert, CO Director

1981

Developmental Pediatrics Inc. 2210 Lelaray St. Colorado Springs, CO 80909

developmentalpediatricsco.com 15 office@developmentalpediatricsco.com 11 719-475-0477 4

Lily M. Frasch, President

Lily M. Frasch, President Colorado Springs, CO

1987

Colorado Hand Center 2925 Professional Pl., Ste. 201 Colorado Springs, CO 80904

coloradohandcenter.com N/A 719-260-4767

10 10 N/A

Dee Thomas, Practice Administrator

N/A

Village Physical Therapy 5825 Delmonico Dr., Ste. 300 Colorado Springs, CO 80919

villagept.co appt@villagept.co 719-577-4104

7 4 3

Michele Childs, Owner

Michele Childs, Owner Colorado Springs, CO

1983

Rank

1 Orthopedic Rehabilitation Associates created the NeuroRehab Project to focus primarily on individuals with balance and mobility problems.

David Gerstel, owner of Spectrum Rehabilitation Inc., founded The Gerstel Cancer Foundation to raise money for cancer rehabilitation and research.

To purchase your own Book of Lists or the full Physical Rehabilitation Centers List, call Cristina Jaramillo at 719-634-5905

Donâ&#x20AC;&#x2122;t miss The List Sept. 22: Professional Associations/ Chambers of Commerce Sept. 29: Colleges, Universities and Trade Schools Oct. 6: Museums and Art Galleries

Richard C. Ansell, DPT 2002 (Owner), Daniel P. Fogarty, MPT, (Owner) Colorado Springs, CO Phil A. Plante, PT, DSc, MTC, Phil A. Plante, PT, DSc, MTC, 1997 CMPT, COMT, FAAOMPT, CMPT, COMT, FAAOMPT, Owner, Physical Therapist, Owner, Physical Therapist, Sport Scientist Sport Scientist Colorado Springs Tami Lamphere, Director, OT Colorado Springs, CO 1987 & SLP Department Head, Banba Swicker-Lipton, Director, PT Department Head Aaron Knutson, Director of Spectrum Rehabilitation Inc. 2005 Operations David Gerstel, Owner Colorado Springs, CO Kevin Hyland, Owner Colorado Springs, CO

1999

NR- not ranked, indicates that the information necessary for ranking was not provided. N/A- not available. In cases of a tie, number of full-time employees is used as a secondary ranking. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/corrections to cristina.jaramillo@csbj.com.

Oct. 13: Startup Resources

This is the top listing of Physical Rehabilitiation Centers that responded to questionnaires, notices and telephone inquiries.

Business Resources 101

Grow your business and create more wealth Want to increase your business bottom line? The Business Journal can give you valuable resources to increase your customer base and improve profits using the newspaper, our Book of Lists and The Transcript, our legal paper.

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8 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

SMALL BUSINESS

Online rental startup builds community By Audrey Jensen

ow when your neighbor wants to borrow a lawnmower or your circular saw, you can point them to a website where they can rent the item for the day — and also list their own household goods and appliances to rent around the nation. That’s the concept behind Lend Me Your Gear, an online company founded by Colorado Springs entrepreneur Glenn Carlson and his wife Laura Peterson. The two are bringing rental opportunities — from luggage to kitchen mixers — to one online location. Carlson spent a year learning how to create a user-friendly website and the company will have a mobile app available next month. Lend Me Your Gear started as a luggage rental site, but grew organically when users listed other items, Carlson said. He created the website because the online rental market is too difficult and dispersed to navigate. “The problem is, it just gets so fragmented that you have to go to all these different places if you’re interested in using something like that,” Carlson said. “I don’t ever want to say we want to be the Amazon of anything, but we want to be that consolidated marketplace where, if you need to borrow something temporarily or if there’s something you want to try before you buy, this is a good place to start.” At lendmeyourgear.com, users sign up to be lenders or renters, but lenders must make their way through an identity verification system before leasing items on the website. Renters have to provide their contact and credit card information and make a deposit beforehand. Lenders range from people wanting to rent their personal items for a price or businesses wanting people to try out their products. Specialty Auto Tool Rental from Chicago and Fantasyland Costume Company from Portland are two businesses currently on the site. The website has more than 2,000 listings and 200 users who rent or lend gear in 14 states, according to Carlson. The most popular items on the website are lawn mowers, rototillers, pressure washers, tile saws and household items such as KitchenAid mixers, Carlson said. “I think of lot of people were just wanting to try [a product] before they went out and bought one,” Carlson said. “For $10 you can just go a block over and grab one from your neighbor for the day, return it when you’re done and be on your way.” Carlson believes that most of the site’s transactions will continue to be local pickup and delivery between people in the same area. “When I started, it was bringing back a little sense of community where you could go ask a neighbor to

“

Lend Me Your Gear Number of Employees: 3 Contact: lendmeyourgear.com; lmyg@lendmeyourgear.com

Photo by Audrey Jensen

Glenn Carlson and Laura Peterson operate Lend Me Your Gear, an online rental shop where neighbors can rent items from each other.

borrow something,” he said. “People don’t really do that anymore, and I think everybody’s so afraid of the liability. Everybody kind of came back inside. When I was a kid, everybody was outside — you barbecued with your neighbors, played with neighbor kids … so I could see this as a way of connecting communities.” According to Peterson, who also owns a massage therapy company in Colorado Springs, Lend Me Your Gear can act as a business partner for fledgling companies or people looking to make some extra cash. “I think Lend me Your Gear is a great business partner for people that don’t have the knowledge and the web presence they might want,” Peterson said. “For other places that are doing rentals … that’s a really good partnership just because they already have the inventory, but they might not have the ecommerce functionality.” Daily rental rates on the site are around 10 to 20 percent of the retail price, but can vary for some items.

Lend Me Your Gear takes 10 percent commission on a transaction, while the other 90 percent goes to the lender. If the company continues to grow, Carlson hopes to create jobs in the future. Right now he said he’s pursuing venture capital so his company can expand. He hopes to have 15 employees to start with, if his business can find a venture capital partner. He credits the booming economy for his success so far. “The economy is good and … right now it’s the time to put your head down and really work hard and take advantage of when things are good to prepare for when things are going bad, because they will,” Carlson said. “You just have to push in all directions — don’t get caught up worrying about if this is the perfect strategy. … Just work hard, stay consistent [and] be persistent.” CSBJ

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10 Sept. 15 - Sept. 21, 2017

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UCCS ECONOMIC FORUM SNAPSHOT

The health effects of the legalization of marijuana (Editor’s Note: This is the latest in a series of articles about marijuana use in Colorado.) ne of the first things to consider when evaluating public health impacts is how widespread or prevalent a health issue is. Marijuana use has always been on the radar in terms of health and safety, but legalization has magnified that conversation as more than half of U.S. states have legalized medical marijuana and eight states plus the District of Columbia have B A I L E Y legalized retail sales of marijuana. In 2015, 22.2 million Americans had used marijuana in the past month, or roughly 8 percent of the U.S. population. In the state of Colorado in 2015, surveys show past-month use between 13 percent and 17 percent, which is significantly higher than the U.S. rate. In terms of youth across the U.S., 36 percent of high school seniors say they had used marijuana in the prior year, 23 percent had used in the past month and 6.5 percent used daily or nearly daily. By 2016 in Colorado, there were more legal, medical and retail marijuana dispensaries (940 total) than there were McDonald’s restaurants (202) and Starbucks shops(322). The prevalence makes understanding the health impacts particularly important. Yet it is inherently difficult to tease out health impacts for two reasons. One, the illegality of marijuana up until relatively recently has made data collection challenging. Two, there is

Tatiana

possible reverse causation in many of the studies that have shown negative impacts, especially on mental health: Does marijuana use increase mental health disorders or are people predisposed to mental health disorders more likely to regularly use marijuana? The aim in this article is not to promote or reject theories, but only to present relevant health information, especially as it relates to recreational use. Marijuana use for chemotherapy patients, seizure-related disorders and as a substitute for opioid pain killers is generally accepted by the medical profession and is a somewhat separate issue. Nonetheless, the prevalence of use makes it particularly important to disseminate the reliable information we do have, and the legal status of recreational marijuana in our state provides a need to do so. To begin, brain imaging shows that marijuana primarily affects the hippocampus, a brain area responsible for memory formation, and the amygdala, responsible for emotions, survival instinct, memory and reward system receptors. We know long-term users of marijuana have reduced volumes in both of these regions of the brain and there is less activity in those regions even 28 days without using marijuana. We also know that the hippocampus and amygdala undergo prominent developmental changes throughout childhood and adolescence, which likely explains why early users of marijuana show more significant and negative outcomes than those who begin using in adulthood. A large, longitudinal

In 2015, 22.2 million Americans had used marijuana in the past month.

Na#onal Average THC Potency, Cannabis Samples 14.0% 11.1%

12.0%

7.2% 6.1% 5.0%

6.0% 4.0% 4.0%

9.9%

12.1%

10.4%

8.8% 8.1%

7.2%

4.6% 5.3%

4.9%

4.5%

8.0%

12.0% 12.3%

9.8%

9.6%

10.0% 8.0%

2.0% 0.0%

14 20 13 20 12 20 11 20 10 20 09 20 08 20 07 20 06 20 05 20 04 20 03 20 02 20 01 20

00 20

99 19

98 19

97 19

96 19

95 19

study in New Zealand found that persistent marijuana use during adolescence was associated with a loss of six to eight IQ points by mid-adulthood, and this was equally true for adults who had quit using, as well as those who continued using. Again, these results are not conclusive, because the lower IQ may be caused by other factors inherent to young people who choose to use marijuana. It is notable that individuals who began using marijuana heavily in adulthood did not appear to have any loss in IQ. Given the brain impacts, one area that merits greater attention is the possible correlation between the increased potency of tetrahydrocannabinol, or THC, and youth suicides (see graphs). Given the effects of marijuana particularly on the adolescent brain, the psychotropic properties of THC and the self-reported increase in suicide ideation, the alarming increase in youth suicides might be linked to increases in THC potency. Correlation is not necessarily causation, but the possibility of association certainly calls for further study. For both adolescents and adults, some research suggests marijuana use increases the chances of developing psychotic disorders including schizophrenia when an individual has a genetic predisposition for the disorder. Although research continues on this topic, it is evident that for individuals who carry a specific gene, there is a seven-fold increased risk of developing psychosis, or loss of reality, when they use marijuana. A user also has to carry a specific gene in order to be at increased risk that marijuana use will trigger or worsen schizophrenia. About 1 percent of the population has schizophrenia and even fewer carry that specific gene. However, there are two important points to consider. One, for all users, in high enough doses, marijuana causes psychosis, and there is mounting evidence that psychosis itself is harmful to the brain and can increase the probability of triggering a psychotic disorder. Another point to consider is that the U.S. already has a high prevalence of mental health disorders and at the same time, a low availability of providers to treat mental illness. The circulatory system is also impacted by marijuana use because an individual’s heart rate is elevated for up to three hours after smoking. The increased potency in edibles magnifies this effect. There are numerous studies that show the risk of a heart attack during the first hour after smoking marijuana is almost five times the usual risk. Most healthy individuals can easily withstand an increase in their heart rate — although edibles in particular can cause a heart rate to double. This increase in beats per minute is too taxing on the

Source: University of Mississippi under contract with the NaDonal InsDtute on Drug Abuse (NIDA/NIH)

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Sept. 15 - Sept. 21, 2017

Youth Suicide Rates per 100,000 (Ages 10-19) Shaded area represents Colorado legaliza2on period

102% Youth suicide rate per 100,000

circulatory system of some individuals who have either diagnosed or undiagnosed heart conditions. In terms of marijuana possibly being a “gateway drug,” studies are inconclusive. It is true that marijuana causes cross-sensitization, meaning that the effects of other drugs (including alcohol) are heightened when the brain has already been exposed to marijuana. This would suggest that marijuana is a gateway drug; however, reverse causation may again explain this phenomenon. Marijuana users may be predisposed to taking drugs, and marijuana may simply be the easiest drug in terms of access and cost. There are longitudinal studies that have shown less optimal life outcomes for regular marijuana users, such as lower educational attainment, lower income, lower life satisfaction and increased prevalence of anxiety and depressive disorders. It is possible that the above-mentioned impacts on the brain do provide a plausible biological explanation. It is also possible that at least some of the less optimal life outcomes are due to the downstream effects of (particularly early) use of marijuana and its impact on school performance, high school completion and in some cases, even incarceration related to marijuana possession and use. Perhaps the unfavorable, long-term impacts are partially due to the biological impacts, but also due to the social outcomes associated with early use, which young adults can carry with them throughout adulthood (e.g. absence of a high school diploma). In either case, there are associated longterm social and economic costs. In the short term, it is also important — and easier — to assess health care costs. A comprehensive, retrospect analysis was done of Colorado hospital admissions and emergency department (ED) visits with marijuana-related billing codes and calls to regional poison control (RPC) centers. Results show an increase in hospitalizations: From 2000 to 2015, hospitalization rates with marijuana-related billing codes increased from

Colorado Springs Business Journal

55%

10 44% 5

El Paso County

Colorado

2005-2009 Source: Centers for Disease Control and Preven@on

274 to 593 per 100,000 admissions (up 116 percent). The prevalence of mental illness among ED visits with marijuana-related codes was five-fold higher than the prevalence of mental illness without marijuana-related codes comparing the same two time periods. In 2014, the first year of commercially available recreational marijuana, calls to RPCs increased 79.7 percent. If I take off my public health hat and step back from these negative health repercussions, I do acknowledge that not unlike alcohol, limited and responsible adult use of marijuana does not appear to be that different than responsible drinking. The negative impacts of both substances are very dose dependent. The question remains: Can we successfully regulate use and potency

2010-2014

U.S. 2015

and also reduce or eliminate childhood and adolescent use given the deleterious impacts on the developing brains? Is it wise to readily expose our communities to even more sources of costly health problems and increased safety issues? Since our state has already gone down the path of legalization, what is certain is the need for a holistic analysis that not only focuses on economic benefits, but one that also incorporates and quantifies the associated health and safety costs of increased access to and use of marijuana. Tatiana Bailey is the director of the UCCS Economic Forum. She can be reached at tbailey6@uccs.edu. For a complete listing of references, please go to: uccseconomicforum.com/ publications_media.shtml.

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12 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

KUDOS

BUSINESS BRIEFS

Compiled by Bob Stephens

Submit items for Kudos, Business Briefs or People on the Move to editorial@csbj.com.

BLUE MOON GOODNESS EXPANDS Blue Moon Goodness, the company Kelly Strong started in 2010, continues to expand. Strong said her three varieties of soups are now being carried in hundreds of stores nationally, and about 130 Safeway stores, where they are also being featured on the main soup aisle rather than the stores’ end caps as they were in 2016. Strong said Blue Moon Goodness — which is also carried in Whole Foods, Natural Grocers and Kroger (parent company of King Soopers and City Market) — is working with distributors to sell her tomato fennel, Moroccan vegetable and vegan green chile soups in Pennsylvania, New Jersey, New York, Connecticut and Canada.

WALMART GIVES TO CATHOLIC CHARITIES To celebrate September’s Hunger Awareness Month, the Walmart Foundation presented a $75,000 check to Catholic Charities. The money will be used to purchase a refrigerated truck to pick up food donations for Marian House Soup Kitchen, which served more than 216,000 meals last year, said Andy Barton, CEO of Catholic Charities.

GIRLS SCOUTS HONOR SIX WOMEN The Girl Scouts of Colorado announced their “Women of Distinction” award winners, selected by a committee of their peers and chosen based on their contributions to the community, both professionally and personally. They are examples of corporate, civic and philanthropic leadership and serve as role models for female leaders of tomorrow, according to the Girl Scouts. Honorees are Rebecca Jewett, executive director, Palmer Land Trust; Noreen Landis-Tyson, president and CEO, CPCD… giving children a head start; Donna Nelson, Spirit of the Springs program coordinator, city of Colorado Springs; Susan Loo Pattee, CEO and founder, Colorado Springs

KEYNOTE SPEAKERS:

Erik Davidson & Michael Serio, Economists for Wells Fargo

Friday, September 29, 2017 1:30 p.m. - 4:30 p.m.

Materials Development LLC; Beth Hall Roalstad, executive director, Homeward Pikes Peak; and Brenda Smith, co-owner, Garden of the Gods Collection. Girl Scouts of Colorado will publicly honor these inductees Sept. 21 at the Thin Mint Dinner at The Antlers hotel.

CHP IN ‘BUILD HEALTH CHALLENGE’ Community Health Partnership, a coalition of more than 25 provider organizations in southern Colorado, has been selected to participate in the BUILD Health Challenge, a national program that puts multi-sector community partnerships at the foundation of improving health for everyone. The Colorado Springs-specific project, Project Detour, will focus on helping women interrupt patterns of addiction and incarceration. Colorado Springs, through CHP, is one of 19 communities selected to participate. BUILD provides funding, capacity building support and access to a national peer-learning network. CHP’s BUILD team is comprised of El Paso County Public Health, Penrose-St. Francis Health Services, UC Health-Memorial Hospital, El Paso County Fourth Judicial District, Peak Vista Community Health Centers, AspenPointe and Front Range Emergency Specialists. These organizations will work together, with guidance from BUILD advisers, to identify and implement innovative solutions to community challenges. Matching funds from Penrose-St. Francis Health Services combined with BUILD’s $125,000 two-year grant will extend the partnership’s capacity to help Project Detour.

SIERRA COMPLETIONS OPENS HANGAR Sierra Completions, a division of global aerospace company Sierra Nevada Corporation, celebrated the opening of its new 90,000-square foot hangar at the Colorado Springs airport Sept. 11. The state-of-the-art facility is capable of housing many types of aircraft, including up to three B-737s.

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Creekside Storage has acquired Colorado Springs franchise Zippy Shell. Under Creekside Storage’s direction, the company will expand the Zippy Shell brand beyond its Denver and Boulder locations into Colorado Springs to reach a broader customer base and enhance consumers’ experiences with Zippy Shell’s easy-to-use portable self-storage concept.

BESTWAY DISPOSAL EXPANDS Bestway Disposal, the Colorado Springs-based waste management and single stream recycling company, has expanded its Transfer Station at 543 Air Lane, located east of the main entrance to Peterson Air Force Base. In addition to collecting solid waste, the Transfer Station also offers a dropoff location for household recyclable items including newspapers, junk mail, glass bottles and jars, plastics (types 1-7), aluminum cans, steel cans, paperboard and cardboard boxes.

SPRINGS INSTITUTE GETS EPA GRANT The National Space Science & Technology Institute in Colorado Springs has been awarded a grant of $91,000 from the Environmental Protection Agency, the EPA announced Sept. 12. The institute will use EPA grant funds to implement a mobile lab program to introduce middle school students to issues associated with Colorado water supplies, including how humans affect hydrology, how hydrology systems fit into the global picture, and how to think critically about water issues on multiple scales. The program will be developed and executed during the 2017-18 and 2018-19 school years at Jack Swigert Aerospace Academy in Colorado Springs, Lake County Middle School in Leadville, Lamar Middle School in Lamar, Cortez Middle School in Cortez and Ortega Middle School in Alamosa.

21st Annual UCCS Economic Forum - 2017 AGENDA

1:00 p.m. - 1:30 p.m. Registration 1:30 p.m. - 1:45 p.m. Opening Remarks

Welcome: Master of Ceremonies, Samuel Elliott, Co-founder of Tejon Technologies & UCCS College of Business Graduate Venkat Reddy, Ph.D., Chancellor, UCCS John Suthers, Mayor of Colorado Springs - by video

The Antlers Hotel 4 S. Cascade Avenue Colorado Springs, CO Platinum Level Sponsors:

CREEKSIDE STORAGE BUYS ZIPPY

1:45 p.m. - 2:45 p.m. Keynote Address: National and International Outlook

Erik Davidson, Chief Investment Officer, Wells Fargo Michael Serio, Regional Chief Investment Officer, Wells Fargo

2:45 p.m. - 3:55 p.m. Economic Conditions and Outlook for the Pikes Peak Region Tatiana Bailey, Ph.D., College of Business and Administration, UCCS 3:55 p.m. - 4:30 p.m. Audience question and answer session with economists Community Updates: One minute briefings by community leaders throughout the program

Media Sponsors:

4:30 p.m.

Networking happy hour, The Antlers Hotel foyer

Join us as the Forum presents its annual analyses of the national and regional economies. In addition, community leaders will deliver one-minute updates throughout the program.

Colorado Springs Business Journal

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

Submit items for On the Horizon to events@csbj.com.

Networking Events

Regional Events

Tuesday, Sept. 19

Friday, Sept. 15

Tuesday, Sept. 19

SBDC: Digital Marketing

HBA: All Members Cup

Woodland Park: After Hours

Join the Pikes Peak Small Business Development Center to learn how to use Facebook for your business, 9 a.m.-noon, Ent Credit Union, 7350 Campus Drive. Go to pikespeaksbdc.org to register.

The Housing & Building Association of Colorado Springs hosts its annual golf tournament, 8 a.m. start, Pine Creek Golf Course, 9850 Divot Trail. Go to cshba.org to register.

PPLD: Investing

Tuesday, Sept. 19

Join the Woodland Park Chamber of Commerce for business after hours networking, 5:30-7 p.m., Pikes Peak Regional Hospital, 16420 W. Highway 24. Go to woodlandparkchamber.org to register.

Learn how to invest money wisely, sponsored by the Pikes Peak Library District, 6-7:30 p.m. Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Wednesday, Sept. 20 SBDC: Business Plan Create a business plan in a single day with the Pikes Peak Small Business Development Center, 9 a.m.noon, El Paso County Citizens Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc.org to register.

SBDC: Leading Edge The Pikes Peak Small Business Development Center hosts a free session on its nine-week leading edge program, 5-6 p.m., El Paso County Citizens Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc.org to register.

PPLD: Job Interviews Learn how to ace the next job interview, 4-6 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

BBB: Basics The Better Business Bureau of Southern Colorado teaches the basics of accreditation for businesses, 9:30-11 a.m., 25 N Wahsatch Ave. Go to bbb. org/southerncolorado to register.

Thursday, Sept. 21

Women’s Chamber: Lunch Join the Southern Colorado Women’s Chamber of Commerce for its monthly luncheon, 11:30 a.m.-1 p.m. Garden of the Gods Collection, 3320 Mesa Road. Go to scwcc.com to register.

Thursday, Sept. 21 Chamber: Connect The Colorado Springs Chamber & EDC hosts its bimonthly networking lunch, 11:30 a.m.-1 p.m., Jack Quinn’s Irish Pub, 21 S. Tejon St. Go to coloradospringschamberedc.com to register.

Chamber: After Hours The Colorado Springs Chamber & EDC hosts its after hours networking event, 5-7 p.m., First Tee of Pikes Peak, 525 N. Academy Blvd. Go to coloradospringschamberedc.com to register.

CSBJ: COS CEO Join the Colorado Springs Business Journal and hotelier Perry Sanders as he talks about his plans for the future, 4:30-6:30 p.m., The Mining Exchange hotel, 8 S. Nevada Ave. Go to csbj.com/ events to register.

Friday, Sept. 22 Chamber: State of the City

Choose the right legal structure for your business, 11:30 a.m.-1 p.m., El Paso County Citizens Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc. org to register.

Join Mayor John Suthers and the Colorado Springs Chamber of Commerce & EDC as they discuss the state of Colorado Springs, 11:30-1:30 p.m., The Broadmoor Hall B, 1 Lake Ave. Go to coloradospringschamberedc.com to register.

SCORE: Startup Basics

Tuesday, Sept. 26

SBDC: Legal Structure

Learn how to start a business with the Service Corps of Retired Executives, the first in a six-part series, 6 p.m., Catalyst Campus, 550 E. Pikes Peak Ave. Go to coloradosprings.score.org to register.

PPLD: SEO for Business The Pikes Peak Library District teaches a class about SEO and marketing, 6-7 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Saturday, Sept. 23 PPLD: Facebook Learn about the options for advertising on Facebook, 11 a.m.-12:30 p.m., 1175 Chapel Hills Drive. Go to ppld. org to register.

MAC: Hail and Farewell The Military Affairs Council hosts a hail and farewell for military personnel, 5-7 p.m., Doubletree Hilton, 1775 E. Cheyenne Mountain Blvd. Go to coloradospringschamberedc. com to register.

Wednesday, Sept. 27 Rising Professionals: Coffee with a Commissioner The Colorado Springs Rising Professionals speak with Commissioner Peggy Littleton, 7:30-9 a.m., Day Moon Coffee Co., 6058 Hollow Tree Court. Go to csrp.org to register.

Tri-Lakes: After Hours The Tri-Lakes Chamber of Commerce holds its after hours networking mixer, 5:30-7 p.m., Tri-Lakes Center for the Arts, 304 Highway 105. Go to trilakeschamber.com to register.

Sept. 15 - Sept. 21, 2017

Gear Up Your Grey Matter at PPLD

Thursday, Sept. 21 Pueblo: QuickBooks Learn to use QuickBooks in your business,1 p.m., SBDC Downtown Studio Classroom, 121 W. City Center Drive, Suite 220. Go to pueblochamber. org for more information.

Pueblo: After Hours Join the Pueblo Chamber of Commerce for monthly after hours networking, 5 p.m., Sangre de Cristo Arts and Conference Center, 210 N. Santa Fe Ave. Go to pueblochamber.org to register.

Tri-Lakes: Breakfast The Tri-Lakes Chamber of Commerce holds its monthly member breakfast, 7:30-9 a.m., 166 Second St. Go to trilakeschamber.com to register.

Saturday, Sept. 23 Tri-Lakes: Bines and Brews Join the Tri-Lakes Chamber of Commerce for its Bines and Brews Beer Festival, 1-5 p.m., Limbach Park, Second and Front Street. Go to trilakeschamber. com to register.

Monday, Sept. 25 Pueblo: BBB Basics The Better Business Bureau of Southern Colorado teaches the basics of accreditation, 9:30-11 a.m.,121 W. City Center Dr., Ste 205 in Pueblo. Go to bbb.org/southerncolorado to register.

Wednesday, Sept. 27 Pueblo: QuickBooks II Learn more advanced use of QuickBooks, 1 p.m. SBDC Downtown Studio Classroom, 302 N. Santa Fe Ave. Go to pueblochamber.org for more information.

Thursday, Sept. 28 Woodland Park: Roundtable The Woodland Park Chamber of Commerce holds its business roundtable, 7:30-9 a.m., 210 E Midland Ave. Go to woodlandparkchamber.com to register.

Keep your mind healthy with a wide variety of resources at 14 libraries throughout El Paso County and online at ppld.org.

14 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

Focus

HEALTH CARE QUARTERLY

Shutterstock

ISSAC unearths big data answers in cancer study By Helen Robinson

ometimes great discoveries come from not knowing where to look. ISSAC Corp., a Springs-based advanced data analytics and system-of-systems engineering firm, recently made its first foray into big data analysis for the medical world — and ended up in the famed British Journal of Cancer. ISSAC’s analysis revealed important new findings in how pancreatic cancer patients react to clinical trials. The work was part of a collaborative data analytics effort with the Mayo Clinic and the Translational Genomic Research Institute. The results of the research, “Clinical study of genomic drivers in pancreatic ductal adenocarcinoma,” were published in the British Journal of Cancer last month. ISSAC chief scientific officer Ray Deiotte is listed as the study’s second author, and ISSAC appears after the Mayo Clinic in the list of institutions. — Michael “The beauty about the way we analyze data is we look at information a little differently than the traditional processes for advanced data analytics — we really focus on letting all the data tell us the story. We do that through artificial intelligence and machine reasoning capabilities we have built into our platform,” said ISSAC CEO Tim Jones, who is also credited as an author on the paper. Over two years, ISSAC spent about 350 hours analyzing data from two historical pancreatic cancer clinical trials using V R, its end-to-end analytics solution named after the Norse goddess of wisdom and knowledge. “Out of this emerged some interesting data relationships that we couldn’t interpret because we’re not

bioinformaticists or biologists, so as we were identifying relationships and patterns within the data, we were feeding those back to Dr. [Daniel] Von Hoff [of TGen] and Dr. Michael Barrett at Mayo,” Jones said. The data had previously been analyzed using more traditional data analytics techniques, but ISSAC’s analysis uncovered new causalities, correlations and identifiers that hadn’t been seen before. “The very initial response [from researchers] was, ‘Why are you looking at that piece of the data? We don’t believe there’s anything there,’” Jones recalled. “And the answer from us, ‘We don’t know any better.’ “One of the things that we truly believe is that human bias can negatively affect the way data is analyzed, because we’re experts at what we’re experts at. By having that bias, we automatically disregard data points because of what we’ve seen and what we’ve known for the last 20-30 years.” Jones said with V R, ISSAC is able Ames to remove human bias from the analysis process to avoid influencing or disregarding information contained in big data. Merriam-Webster defines big data as “an accumulation of data that is too large and complex for processing by traditional database management tools.” Michael Ames puts it this way: “When your computational problem exceeds your computational capacity to solve it, then you have a big data problem.” Ames is associate director of Health Data Compass, an enterprise h ealth data warehouse headquarteredat the University of Colorado Anschutz Medical Campus and jointly sponsored by U niversity of Colorado School of Medicine, CU Medicine, UCHealth and Children’s Hospital Colorado.

“The answers will be in the data.”

“We’re at the point,” he said, “where the amount of medical data available is 10 or 100 or 1,000 times beyond … the ability of a doctor to comprehend, and beyond the ability of a researcher to look at and draw reasonable conclusions” without turning to technology to unearth hidden patterns and correlations. “So we’re applying big data technologies against all of this data with the goal of finding out, in this massive volume of data, or in this whirlwind of high velocity data: What is the thing that matters?” Ames said. Removing human bias is part of an important transition in how big data is analyzed, Ames said. “What is changing is a dramatic and rapid embracing of machine-learning techniques in order to develop predictive models that are proving, in many cases, to be more accurate than what the experts might have hypothesized on their own — and can often reveal unexpected patterns and relationships in the data,” he said. Machine learning feeds the data into advanced computational algorithms, en masse, without giving the computer a hypothesis. “Through massive and iterative computational processes, without that hypothesis in place, [the machine learning system] goes and finds those relationships … within the data that we would never have been likely to imagine,” Ames said. In the case of the pancreatic cancer study, V R revealed new correlations within genomic data, as well as among other human factors such as gender, height, weight and lifestyle, which the researchers believe affect how patients reacted to clinical trials. Based on these discoveries, the Mayo Clinic and TGen are already identifying new avenues for clinical trials and possible novel treatments for pancreatic cancer patients. Considered particularly aggressive, pancreatic cancer is the fourth leading cause of cancer deaths

Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

NEXT WEEK

URBAN LAND DEVELOPMENT in the United States. Patients often die shortly after diagnosis, because the cancer usually isn’t discovered until it has metastasized. The success of this study is steering ISSAC toward more work with health organizations, including new projects with the Mayo Clinic, the Gates Foundation and TGen. Founded in 2007, ISSAC started with Department of Defense work and has evolved over the years to work in energy, intelligence and cybersecurity. “We’ve always known our analytics tool could have significant impact in the medical world and health world,” Jones said. “We knew there were avenues there ... but our first opportunity was this effort with Mayo and TGen. We’re very excited about it. We’re passionate about continuing down that road.” Collaboration among organizations is critical in successful big data analysis for medicine. “It’s necessary,” Ames said. “Any one hospital’s view of a patient is a slice of Swiss cheese because people only go to hospitals at certain times for certain conditions.” A patient’s total care is likely shared between multiple hospital systems, a system of primary care providers and local clinics, as well as research studies and online pharmacies. “To get a complete picture of an individual’s health care requires the inte-

gration of data from across many, many sources,” Ames said. “And then to gather enough data about individuals to be able to draw meaningful conclusions about how we can improve the health of populations as a whole, requires the contribution of many, many individuals’ data. “So the objectives of big data analytics and health care literally cannot be accomplished without the collaboration of multiple institutions locally, regionally, nationally — and that is absolutely happening in Colorado.” The work at the University of Colorado Anschutz Medical Campus embraces the idea that “the answers will be in the data,” Ames said. “This institution, along with our partner hospitals in UCHealth and Children’s Hospital Colorado, have embraced this notion and are investing heavily to drive breakthrough medical advances in this space, by applying great technology and science to this massive onslaught of data,” he said. “As we speak to our colleagues across the state we’re all beginning to speak the same language and coalescing around strategies for the use of big data to drive breakthrough medical advances. “So this is a culture where this kind of work is happening, where innovation is occurring, where the job market is ripe for people who have these skills.” CSBJ n

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16 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

City hires local construction firms for 2C By Bob Stephens

hen Springs residents voted in favor of increasing sales tax for road improvements, local construction companies reaped some of the benefits — and so did people looking for work in the field. Funded by 2C, a new tax hike approved in 2015, and the Pikes Peak Rural Transportation Authority, road construction is popping up all over Colorado Springs, but there’s more going on than traffic jams and detours. For eight local companies, the 2C tax hike — expected to bring in $50 million annually — equals more revenue and more work. The city hired AA Construction Co., Blue Ridge Construction, CMS of Colorado Springs, DRX Enterprises, Even Preisser and Trax Construction to provide pre-overlay concrete work for the 2016 and 2017 2C projects. Martin Marietta Materials, an international construction firm with a local presence, and Schmidt Construction were awarded the paving contracts. Nicole Spindler, interim procurement services manager for the city, said jobs are awarded to companies either through bids or requests for proposals. For the 2C projects, the city sent out RFPs. “On RFPs, we ask for their technical approach, their management approach, past performance, price and in the 2C projects we asked for the location of their business,” Spindler said. “We asked if they’d done previous work with the city.” A committee of at least five people independently examines the proposals and scores them. “If it’s a streets project, we might have five people from the street department,” Spindler said. “If it’s a trails project, we might have somebody from the Friends of Ute Valley Park on the committee, kind of an outsider looking in. We don’t necessarily decide who gets the

job just on price. We look at all criteria and score on who brings the best value. Sometimes you just go for best price like on curb and gutter work and other simpler projects. On 2C projects, we went for best value.” The city advertises jobs on bidnetdirect.com and businesses nationwide can get email alerts from the site when a job is posted. Most contracts go to local businesses, according to Spindler. Of the 390 contracts issued by the city in 2015, 250 [64 percent] went to local businesses, 95 went to in-state companies and 45 were out-of-state. In 2016, there were 433 city contracts, with 247 local [57 percent], 114 in-state and 72 out-of-state. Purchasing orders went to local companies 55 percent of the time in 2016 and 58 percent in 2015. “If it’s an IT-type project where you can work remotely, we’ll get more interest from out of state,” Spindler said. “Construction, though, has to move people here to do the job and that involves higher costs.” — Nicole

the time. Working for the city, we don’t have funds like a private company has so we’re always asking what can you do to help us get back to budget.”

HIRING IS DIFFICULT Schmidt Construction, which has about 250 employees, hired maybe two dozen more due to 2C projects, said project manager Austin Maher. He expects to hire more in 2018 because of 2C — but said finding workers is not always easy. “People in the younger generation aren’t as apt to take hard labor jobs like we have,” he said. Sharilyn Travis, who oversees Blue Ridge Construction’s 30 employees, understands the difficulty, and has hired an extra crew of five workers for her role in turning tax dollars into drivable roads. “There’s a shortage of workers, but that’s a problem for everyone in town,” Travis said. “That’s been the Spindler case since 2C because it brought so much work to Colorado Springs. We’re all competing for the same workers out there, and there aren’t new people coming into this business.” Schmidt does about 25 percent of its business on city projects, Maher said. And more than 90 percent of Blue Ridge’s jobs during the past two decades have been with the city, said Tara Mahoney, Tara Mahoney, principal stockholder in Blue Ridge Construction. “I think they’re fair, and we like the relationship,” she said. “All projects with the city have to be bonded — which is like insurance — so it’s good for both sides. They’re pretty strict and keep us to tight deadlines. We bill them monthly and the city’s required to pay within 10 days, so they’re good to do business with.” CSBJ

“We’re always trying to take care of our citizens and their tax dollars.”

FRUGAL WITH FUNDS In a recent press release, the city said 2C work is on time and under its budget of $49.1 million. Pre-overlay concrete work is 17.5 percent under budget, while the paving operations are 13.9 percent under budget. All funds left over from 2017 projects will be rolled into 2C construction for future years. Spindler is one of the watchdogs on those contracts. “In procurement, we’re always trying to take care of our citizens and their tax dollars,” she said. “We’re always trying to find a place to cut costs to protect taxpayer dollars. In RFPs, if we see something that doesn’t look right, we’ll ask them to change the price. RFPs can be negotiable, and probably are 75 percent of

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

18 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

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The Colorado Springs Business Journal would like to thank the 6035 Lifestyles Committee for its support of the program. Committee members help plan the event and also judge the nominations for winners.

Thank you to: Melissa Edwards Tammy Fogall Amy G. Sweet Lauren Hug

Nominees for healthiest companies in Colorado Springs

Jeff Moore Heather McPeak Marjorie Noleen Chasen Slade Amnet Bryan Construction Buffalo Lodge Bicycle Resort Colorado Springs Orthopaedic Group Conspire! El Paso County Ent Credit Union Fountain Sanitation District Frontline Floor Coatings HDR Inc. Johnson & Johnson Kaiser Permanente Navakai Penrose-St. Francis Health Services Pikes Peak Community College Security Service Federal Credit Union Stockman Kast Ryan + Co. Terracon YMCA of the Pikes Peak Region

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

Photo by Bryan Grossman

Kaltenbacher leads wellness charge at SKR By Bryan Grossman

hen it comes to fitness, Judy Kaltenbacher doesn’t just go through the motions. Kaltenbacher, this year’s winner of the Business Journal’s 6035 Lifestyle: Healthiest Executive award, acts as a motivator and mentor — both professionally and personally — to her co-workers. When not climbing mountains on her bike, Kaltenbacher is tax partner in charge at Stockman Kast Ryan + Co. She spoke with the Business Journal this week about keeping herself and her staff physically and mentally ready for anything that comes their way. What do you do at SKR? I am the tax partner in charge. That means I’m in charge of our tax department, which is two-thirds of our practice. I also do the client-service piece too — work with individuals, businesses, corporations, partnerships, trusts, estates — the whole gamut of tax work. How long have you worked here? I’ve been with Stockman Kast for 32 years, and that includes my time with Deloitte & Touche for 10 years before they merged with Stockman Kast in 1995. Are you from Colorado? I was born in Rhode Island but moved here when I was about 9 months old. My dad was in the military, and he was stationed at Ent Air Force Base, where the Olympic Training Center is now. I graduated from Palmer High School and then I moved to Texas with my parents five days after graduation. What then? I was tired of school and didn’t want to go to a fouryear college, so I got a fashion merchandising degree in Dallas. Then I decided I didn’t want to do that for the rest of my life and started at a junior college where my parents lived. They said I should go back to Colorado Springs. They knew I wasn’t very happy. I came to UCCS and started on my bachelor’s degree but didn’t want to be a bookkeeper for the rest of my life.

I didn’t want to go to school for four more years, but I ended up going back for six. It didn’t work out like I originally planned. What inspired you to live a healthy lifestyle? When I moved to Texas, I proceeded to not do anything, and I put on 20 pounds, easily. I was not happy with that, so I started running. I ran for years until my knees started to bother me, and then I picked up biking. That was the turning point — when I began exercising for health reasons and to be fit. I noticed (and still notice) that if I’m exercising on a regular basis, I have so much more energy, I’m more alert, all those things. … There are days I’m too tired and I don’t feel like it — a lot of my life I don’t feel like going out. But I know, no matter how tired I am, I’m going to feel better afterwards. Why do you think you were nominated for healthiest executive? I think it’s weird being nominated for just being who I am. I am very much into health and fitness now, but back in the old days, you just played sports. I went to a parochial school and we played volleyball, basketball, softball. I played soccer from junior high through high school. Sports were a part of my life, but because they were enjoyable.

and participants got points. And there were challenge exercises — sit-ups, pushups, planks — something each week. That started in January and went through March. … I also think it’s cool the firm has gotten a membership at the 365 [Grand] Club [fitness centers]. I can see out my window at the end of the day where staff will go work out. It energizes me when I see them going to workout. What else do you do to help others stay fit? I do tax manager coaching, and part of our coaching session is walking around Monument Valley Park while we’re talking. Standing desks are also an initiative I got involved with. We have one person already doing it and we’re finding out if others want to. I’m one of them. How do you balance everything? Balance has become really important for me over the years and part of our culture here is being flexible so people can work from home when they need to. I hear from our staff that they appreciate the flexibility. It’s really about getting the job done. That doesn’t need to be in the office, and it doesn’t have to be from 8 to 5. Yes, we’re a client-service organization and have to have that coverage from 8 to 5, but we can work as a team to do that.

I solve more problems on my mountain bike than I do sitting at my desk.

Did fun stuff become a chore? Running became work. It was the hardest thing to start to do. But holy cow — the endorphins! But I get the same benefits now from mountain biking. I do it to build endurance and for the aerobic factor, but mountain biking is a lot more fun than running — it’s the little challenges like making it up rocks, or jumping off rocks. It’s easier for me to get on my bike and go than making myself run. How do you get others active at work? I guess it’s by example. We had a health challenge here during last tax season. It wasn’t my idea, but I participated 100 percent. It was about drinking enough water and doing a certain amount of exercise each day

Do you set personal fitness goals? No. I will say I push myself to do longer rides. Part of my personality is challenging myself. I like competitiveness … and mountain biking can be very self-motivating. But getting out with others helps push me as well. I covet mountain biking time because it’s my time to de-stress. Raising four children and running a tax department are huge stressors in my life. If anything kills me, it will be stress. It won’t be lack of eating well, lack of exercise or not getting enough sleep. It will be the stress. All these things help to manage that stress. … But I solve more problems on my mountain bike than I do sitting at my desk. It’s awesome. It’s my other office — and it’s all mine. CSBJ n

20 Sept. 15 - Sept. 21, 2017

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Colorado Springs Business Journal

Frontline Floor Coatings leads fitness by example

llison Jencson and her husband Barry believe in leading by example — and that includes their health and wellness efforts. The two own Frontline Floor Coatings, a business that specializes in coating tile and concrete floors to keep them looking fresh and new. The company also can repair tile and grout in floors. For example, the company is responsible for the shiny floors at Kirkpatrick Bank on Cascade Avenue. Jencson said she believes in modeling healthy behavior for employees, and that includes giving them time for themselves. “We practice taekwondo regularly,” she said. “We try to always make sure we are making healthy choices when we eat out and we let our employees know that they need to take time for themselves.” The company is small, but looking to grow, she said. Currently, they are seeking two more employees for the

store, which is located at 3427 N. Prospect St. in Colorado Springs. “What’d I really like to do is hire an office manager and a sales manager,” she said. “My goal is to take a less hands-on approach to the business and spend time mentoring other husband-wife teams who are involved in the trades.” That mentoring is also part of the company’s approach to health and wellness, she said. But it doesn’t stop there. “We cheer each other on,” she said. “We want to know what people are doing on the weekend and we want to share our weekend outdoor adventures, things like hiking and camping. We highly encourage our employees to get outdoors and enjoy our beautiful city and state.” It’s just baked into the company’s philosophy, Jencson said. “We want to have our employees live long and fulfilling lives,” she said. n

Photo by Amy G. Sweet

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

Navakai brings unique elements to wellness program

ot only does Navakai lead the way with its creative, client-focused culture and environment, the IT consulting company is also setting trends with its wellness program. Navakai, a Colorado Springs-based business, started its homegrown program in 2012 after deciding an insurance-provided corporate wellness program didn’t fit its culture. Navakai employees and the company’s clients can participate in several programs to improve mental and physical health, which includes the Navakai running club, chair massages, smoothie days, rooftop classes that range from yoga to hiphop, and corporate wellness challenges with other companies. Navakai’s wellness program has contributed to the company’s culture, co-founder Davin Neubacher said. “I think we already have been building this culture over the years and the wellness program was just, like, an outward sign of our inward culture; it was a visible display of what’s behind the scenes,” Neubacher said. “We wanted some really fun, unique, different things in our program that these off-the-shelf canned programs did not offer — plus they’re kind of impersonal. We’re a small enough company where we wanted to

customize it and kind of do it ourselves.” This is the first year Navakai has started doing yoga, tai chi and hip-hop classes that employees and clients can attend together, Neubacher said. On average, about 12 of Navakai’s clients join staff for a weekly run downtown every Wednesday at 5 p.m. Navakai’s office dog, Kona, comes along. “That really is not as much for wellness as it is to connect our techs to the people they’re supporting every day,” Neubacher said. “You’ve exercised with someone before, right? You bond quick. … For us that’s kind of the drive behind it, but the byproduct is, of course, wellness.” If employees meet the monthly step challenge, they can earn a $25 Amazon gift card every month. Each employee has to reach the daily goal of exercising at least 10,000 steps. Fitness bracelets like Fitbit and Garmin are provided by the company once the employee has stayed in the wellness program for 60 days. Through the phone app Walker Tracker, Navakai employees can convert whatever workout they do into steps to keep track of their points. Additionally, every desk in the office is a stand-up desk, and the employees fight to use the company’s desk-elliptical, desk-treadmill and the stationary

Photo by Audrey Jensen

Jim Richards, Amber Robinson, Davin Neubacher, office dog Kona and Adrianne LeBlanc participate in the weekly Navakai run.

bike, which can be used while at a desk. Clients who bike can also receive a Navakai kit, which includes a bicycle shirt and shorts. Neubacher added that ProCycling, a bicycle shop in Colorado Springs that sells bikes and provides multiple services for cyclists, sponsors Navakai’s wellness program so all employees and their families receive discounts at the shop. In addition to staying active, Navakai encourages employees to improve their diets, nutrition and mental health. Neubacher said other small business-

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es should look into creating their own wellness program. Businesses interested in creating their own plan can access Navakai’s wellness program on its website, navakai.com, Neubacher said. “We share everything, full transparency, with clients and with staff … there’s no real hidden secrets about our company and there’s no secret sauce,” Neubacher said. “People ask, ‘Oh, how do you guys have all this and do all this?’ It kind of just happens, it’s not premeditated.” CSBJ n

22 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

Stockman Kast Ryan accounting for wellness A t certified public accounting firm Stockman Kast Ryan + Co., encouraging staff wellness is all about freedom and choices. “More than anything else, we try to create a supportive atmosphere and give people the flexibility to be able to participate in whatever activities appeal to them,” said Managing Partner Trinity Bradley-Anderson. “We’ve got hikers, we’ve got mountain bike riders… skiers, snowboarders — there are so many different things people can do and Colorado Springs is such a great place for an active outdoor lifestyle.” Bradley-Anderson said health and wellness have been part of the SKR + Co. culture for many years, and the company reaps the rewards of having relaxed, focused, productive staff. “It’s something that’s driven by our employees and what they are wanting for their lives and for their health,” she said.

Photo by Helen Robinson

“Responding to what they’re asking for and helping them find that space is the key.” This year the firm added 365 Grand Club membership to its benefits, giving busy staff access to pools and three fitness centers just a short walk from the office. SKR + Co.’s health care package includes a digital wellness app for building healthier habits, an app that gives staff access to a network of physicians, and a pedometer that links to a financial incentive to earn up to $1,095 each year to offset out-of-pocket medical expenses. The firm sponsors several SKR + Co. athletic teams and takes the company on outings to local sporting events. Its social committee sponsors activities like Office Olympics, Nerf Gun Battle and blood drives. SKR + Co. partners lead by example, participating in wellness events, encouraging staff to keep manageable hours and take time off, and maintaining their own healthy work-life balance.

Bradley-Anderson stays active with yoga and rollerblading, as well as hiking with her two Rottweilers. During the past tax season, SKR + Co. ran a health challenge: Employees tracked their workouts and water intake and had to meet a weekly health goal. They tracked progress through a point system and the three employees with the most health points won a gift card for indoor rock climbing. For mental and emotional well-being, the firm offered mindful meditation seminars during tax season to reduce stress levels, improve concentration and boost immune systems. The firm also provides a comprehensive health package with wellness resources. “It’s about the whole person,” Bradley-Anderson said. “Wellness as a general state of being enhances your life everywhere. The fact that it’s important to them and they embrace it each in their individual way is really what makes us unique.” CSBJ n

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

YMCA promotes health for employees, community

ots of companies talk about promoting health and wellness among their employees but the YMCA of the Pikes Peak Region walks that mission seven days a week. Perhaps more importantly, the nonprofit organization wants to help the entire region become more fit. “It’s in our strategic plan that the YMCA will be the leader in sustainable and transformational health and well-being in our community,” said Boyd Williams, president and CEO of YMCA of the Pikes Peak Region. “That’s a pretty bold statement. Before we do it, we have to do it with ourselves. Everybody’s at different health levels, but we want people to get active.” Williams said all eight YMCA branches in the area provide drug-free and smoke-free environments for the organization’s 1,380 employees. Those workers are encouraged to choose their favorite form of exercise and utilize YMCA facilities — even during work hours. “We encourage our full-time staff to work out, and you’ll never be criticized if you’re working out in the middle of the day as long as you’re getting the work done,” Williams said. “I believe in trusting my staff, and I want to encourage a healthy lifestyle for them and their families. It starts with culture, and it starts at the top with myself. I reinforce it as often as I can with the staff that they need to take care of themselves before they can go out and take care of others.” In the last year, Williams said he added Chief Medical Officer Gloria Winters to the staff, along with Chief Health Care Strategist Charlotte Waters. “We’re the only YMCA in the country that

has a chief health care strategist and a chief medical officer,” Williams said. “We try to use our chief medical officer, Gloria, in leading the way for our employees to prevent sickness and lead a healthier lifestyle.” Apparently it’s working. “We have a pretty healthy workforce,” Williams said. “Our worker’s [compensation] insurance — which is part of wellness — had a mod factor of 1.66 about 10 years ago. The average in our industry is 1. We were 66 percent over, so those are dollars. We’re at .56 right now, so we’re 44 percent under the average and that’s over $100,000 in savings a year that can go right back into our mission work. And we expect to be about .42 this year, which is off the charts. That’s especially satisfying since six years ago we had 650 staff; this year we’re 1,380 staff, so our exposure has increased, but our wellness has improved.” Williams, who oversees a $30 million budget (nearly double the $16 million from six years ago) said the wellness program is here to stay. “We’ll cut other things, but two things I feel very strongly about as the leader of this organization and feel we’ll never cut are staff development and training, and wellness,” he said. “We have a wellness program where they’re incentivized and can get points or dollars to use for fitness-related gear or it goes into their checking accounts. “The program challenges you with other team members across the association if you’re synched up on the app. We’ve seen progress. The branch executives encourage it and reinforce it with all of their employees.” CSBJ n

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24 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

Penrose-St. Francis leads from the top

Photo by Bryan Grossman

t’s often said true leaders never ask those within their purview to do anything they wouldn’t do themselves. So when Penrose-St. Francis Health Services was voted healthiest Super-Heavyweight employer, it made sense to take a look at the top. Named Healthiest CEO in the Business Journal’s inaugural 6035 contest in 2014, CEO Margaret Sabin exemplifies the healthful lifestyle. And that inspiration has led to plenty of perspiration coming from one of the biggest employers in Colorado Springs. “Good health is good business for Penrose-St. Francis

Health Services, and we believe that all companies should be motivated to create structures of support for their employees to access various ways of getting and staying healthy,” Sabin said. “[But] it’s not just good for business; it’s the right thing to do for our associates and for our community.” For example, the CEO herself teaches a free Saturday morning bootcamp class offered to all associates and the community at large. The health care system also provides its employees with a Wellness Center, which offers group fitness classes, hiking, cycling and running groups, yoga classes

and nutrition and fitness counseling. Additionally, the organization has a formal 16-week program to train employees for half-marathons and a quarterly fitness awards recognition called FITspiration for employees. The FITspiration award recognizes individuals for their ability to inspire, motivate and support themselves and their peers as they move toward better health. Sabin said the impact of maintaining a healthy workforce goes beyond fewer sick days. “It not only makes sense from a business perspective by decreasing health care costs and increasing productivity, it is simply the right thing to do,” she said. “And with a mission of keeping the community healthy, Penrose-St. Francis should be an institution that exudes health. “All of us in the health care profession have an obligation to lead by example if we are to impact the downward spiral of health in America,” Sabin said, adding wellness is ingrained in the system’s culture. Penrose-St. Francis also focuses on mental health through its Employee Assistance Program offered through its umbrella company, Centura Health. Profile EAP is a full-service program headquartered in Colorado Springs. The EAP was started in 1982 by Penrose-St. Francis Health Services. In addition, Penrose-St. Francis partners with other organizations in the community to broaden its impact. The YMCA and Colorado Springs School District 11 both have partnerships with the health care system to create healthier kids and families in the Pikes Peak region. Sabin said, at the end of the day, healthier employees mean healthier neighborhoods. “Implementing health-focused resources and programs for our workforce is one of the many ways that we, as an employer, strive to make a difference in our community,” she said. CSBJ n

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2017 Fastest Growing Companies Awards The Mining Exchange Oct. 19 • 6-8PM $35

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FESTIVAL CREATOR & PRODUCER

2017 Festival Sponsors

Bee Vradenburg Foundation • Ent KRCC • KCME • Pikes Peak Arts Council Peak Radar • The Gazette • AARP Pikes Peak Community Foundation Colorado Springs Pioneers Museum El Paso County • Colorado Springs Utilities Colorado Technical University • Nor’wood Renewal by Anderson • Winslow BMW CIVA • Industrious • The Mural Project Gooseberry's Toddler Town Meininger • Red Herring Productions Flux Capacitor • Copy Experts Data102 • Pikes Peak Brewery

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

Pueblo Business News

Latino Chamber: Focused on business By Audrey Jensen

t the Latino Chamber of Commerce in Pueblo, Steven Trujillo lives by a simple philosophy— his first priority is his members’ needs. Trujillo became the CEO and president of the Latino Chamber in 2015 and has worked to grow membership and build partnerships with Pueblo firms to support the business community, the city and its economy. The chamber is open to all businesses and provides networking, events and other resources for its members. Trujillo, who has a master’s degree in business administration from Colorado State University-Pueblo, started working as the group’s membership coordinator in 2010. The group has more than 530 members, Trujillo said, and 64 percent are small businesses — restaurants, insurance agents, rental halls, shops — which he defined as companies with 35 or fewer employees. “I think that’s obviously reflective of the community,” he said. “When you look at the downtown area where we are, the majority of it is small business. “It’s no secret that the backbone of the economy and certainly a community’s economy is their business community — especially their small businesses. So I take very seriously the role that our small businesses play not only in Pueblo, but in southern Colorado.” The chamber is working to bring more

diversity to its membership and add bigefits they have available to them. ger corporations. “Steven said, ‘That’s great and excit“It’s an opportunity for [large busiing, and we appreciate that, but what nesses] to engage with our small busican we give back to our members? What ness community, because they still are kind of deal can we negotiate and come in need of certain products and services up with [in] our team so that members that our small businesses might be able can advertise now?’” to support them with,” Trujillo said. Segura added that a businesses-first This year, the chamber has partnered mindset is what Trujillo and the Latino with several organiChamber have alzations to provide ways had. more resources for “[Trujillo’s] foits members. cus isn’t just about Chris Segura, diggrowing the Latino ital marketing conChamber and imsultant for Comcast proving the chamSpotlight, said that ber,” Segura said. their business has “He wants to do been given great — Steven Trujillo those things so he networking opporhas the ability and tunities in the five resources to help years since it joined the Latino Chamber. Pueblo and help small businesses. It This year, Comcast Spotlight started doesn’t even stop in Pueblo … he’s aloffering discounted pricing for chamways going to conferences and talking ber members looking to improve their to chambers and Latino chambers marketing through TV commercials. around the country.” Through this new program, called Trujillo said his goal has always been the Latino Chamber Community to diversify the benefits that the Latino Connection, members receive a 15 Chamber offers its members, and he’s percent discount on commercial rates proud that he has been able to form from Comcast Spotlight. “This program itself and where Steven has helped … it’s a really good example of it being more about the local businesses and how do we help the local business community,” Segura said. “Yes, we were excited about advertising the Latino Chamber [to] make current members more aware of what programs and ben-

“It’s no secret that the backbone of the economy is their business community.”

partnerships with businesses such as Comcast Spotlight, Colorado PTAC and Pueblo County. The Latino Chamber is also looking to offer resources to its members who want to learn Spanish or English. “For us as a chamber, we have to look to our membership in that same sense and say ‘OK, what’s next for our association to now support our members in the direction in which they’re going?’” Trujillo said. “I don’t like to say, ‘Here’s what we’re going to do next,’ it’s more what is our business going to do next and how can we support [it]?” In addition to its partnerships, the Latino Chamber collaborates with the Greater Pueblo Chamber on projects to benefit the city of Pueblo, both chambers’ members and other business organizations. “We’re very proud to support [the Greater Pueblo Chamber] and what they do, because they play a very critical role in Pueblo here as well,” Trujillo said. “We’re very thankful for the relationship. ... Communities need that synergy to move forward.” See Latino page 28

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Steven Trujillo hopes to continue to expand the Latino Chamber by focusing on its members.

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26 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

PUEBLO BUSINESS NEWS

Veterans program creates government job opportunities By Bob Stephens

arrin Tangeman thought he was prepared to transition from being an Army major to a civilian. But finding a job proved difficult, even for a 22-year military veteran with two master’s degrees. “It was very frustrating, and it put a lot of pressure and stress on my family,” said Tangeman, who has a wife and two daughters. “I went through more

than 100 job applications in the seven months prior to my retirement.” The Pueblo native retired in February 2015 after finishing his military service at Fort Carson. He was hired as district manager for Pueblo West Metro District in August 2015. “I had prepared myself by getting two master’s in public administration and public policy,” he said. “And as a Special Forces officer, I had worked with local governments overseas in Africa, the Middle East and Europe on public

policy and community engagement. But people are looking for real-world experience they can understand.” Tangeman said it’s difficult to get a job in local government without local government experience on a resumé. But now he’s making those jobs easier to get for military veterans transitioning to civilian life. Tangeman started the Veterans Local Government Management Fellowship, which is part of the Department of Defense Career Skills Program. VLGMF,

which is funded by the DoD, offers a 16to 20-week program to help transitioning service members with management training and hands-on experience in a local government environment. The 11th fellowship went to Eddie Medina, who is working for the Pueblo County Board of Commissioners. Pueblo County was the first county in Colorado to partner with Tangeman’s organization. Medina, 44, is a Bronze Star recipient with a background in logistics. “This is a program for veterans but also for local governments, to show them how military skills translate to civilian life,” Tangeman said. “Governments get a highly capable and responsible project manager for 16 to 20 weeks and it allows the veteran to build their resumé.” Pueblo County Commissioner Garrison Ortiz heard of the program and took it to other leaders in Pueblo County. Commissioners voted unanimously to be part of the program. “There is no expense to the county, and the county gets to see if it’s a good fit with the fellow,” Ortiz said. “It’s a mutually beneficial arrangement.” Medina said he heard of the veterans fellowship when Tangeman spoke to soldiers at Fort Carson.

“This program gives the opportunity to get skilled people with leadership and management experience.” — Darrin Tangeman “I was glad to hear about this program,” Medina said. “I jumped right in.” Medina, who started working with Pueblo County on Aug. 14, said the program could help many veterans transition to civilian life. “I can tell you from personal experience how this has helped me understand how local government works,” he said. “It’s given me, just in a short time, a better understanding of how I can be useful in the workplace and how I can use the skills I learned in the military to benefit another employer.” Medina, who lives in Fountain, is based at Fort Carson. He’s set to retire March 1 and might pursue full-time employment with Pueblo County. “I could become an employee by the time my transitional leave starts in January,” Medina said. “I have to convince them to hire me, but this is absolutely on-the-job training.” Ortiz said that Medina will be subject to the usual hiring process with the county’s human resources department following his fellowship. “This is a great program,” Ortiz said, “and it’s been a really good arrangement for Eddie and the county.” See Veterans page 28

Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

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23rd Annual Loaf ‘N Jug Chile & Frijoles Festival in the Downtown Pueblo Historic District, Friday 3 pm-12 am, Saturday 10 am-12 am & Sunday 10 am-6 pm

Greater Pueblo Chamber Member of the Week

Rick Nieves

ENT Federal Credit Union Chamber ambassadors positively represent their business or company while also serving our community; ambassadors like Rick make Pueblo a better place to live, visit, and conduct business! You could be the next Greater Pueblo Chamber Ambassador of the Month! If you are interested in becoming a Greater Pueblo Chamber Ambassador, please contact Ava at (719) 542-1704.

Angelus Chapel Mortuaries “When you lose somebody you love, call someone you can trust,” those are the words Vice President Yanera McCulley-Sedilla wants people to remember when they need the services Angelus Chapel provides. Yanera is a part of the McCulley family that has owned and operated Angelus Chapel since 1967. Yanera’s father, Charles, had been in the funeral business since he was eight. Charles and his wife, Petra, purchased what was previously known as Jones Mortuary and began their legacy in Pueblo. Not originally Pueblo natives, Charles and Petra arrived in town, drank the water, ate the green chile, and fell in love with their new home. Angelus recently celebrated their

50th year of serving the Pueblo community and 26th year of serving the Colorado Springs community in 2017. With two locations, Angelus is family owned and operated and works to support clients before and after services, offering a variety of services including: grief support, chapel services, pre-planning, and cremation and burial services. Angelus Chapel never oversells services and welcomes all budgets, big or small. The McCulley family and their team truly care about helping families through the difﬁcult process of losing a loved one; their dedication to the Pueblo community is illustrated by more than 50 years of caring and service. 1101 E. Evans Ave. Pueblo, CO 81004 (719) 544-4368 www.angeluspueblo.com

Would you like to see your business or organization be featured as our Member of the Week? Contact Destiny at destinyc@pueblochamber.net for more information.

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Are you a member of the Greater Pueblo Chamber of Commerce?

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Joining the Greater Pueblo Chamber of Commerce is not only an investment in your business or organization, it’s an investment in the Pueblo Community! Your support strengthens our initiatives that make Pueblo a better place

to live, visit and conduct business! The Greater Pueblo Chamber is the largest business network in Southern Colorado and serves more than 1,000 organizations. Call and ﬁnd out how you can join today!

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Entry-Gate Volunteers Needed from Pueblo Businesses! Volunteering at the Chile & Frijoles Festival is a great way to promote your business to the community. Contact Ava at avad@pueblochamber.net for details.

28 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

PUEBLO BUSINESS NEWS

Veterans: Easing the transition From page 26

SPRINGS FELLOW GETS JOB Lt. Col. John Trylch was excited to have the first fellowship in Colorado Springs city government. “It was very beneficial to me,” Trylch said. “It validated that the skills I had were translatable to municipal government.” Trylch, who has worked at the Pentagon, had a background in international relations and policy. Through the veterans fellowship, he worked with the Colorado Springs City Council for six weeks before retiring from the Army in July. “It was a big confidence boost for me that this is what I wanted to do,” Trylch said. “And I needed to build a network of professional contacts who could help me with skills or tips.” Thanks to the experience, he was hired as the city of Fountain’s community engagement manager. Fountain City Manager Scott Trainor hired Trylch and was in on the ground floor of the fellowship program. “I had a discussion with Scott Trainor about the big pool of military veterans in our area,” Tangeman said. “I was

having trouble with my transition at the time and we mapped out the program.” In Colorado, the group has an intergovernmental agreement with three counties (El Paso, Pueblo and Jefferson) and six cities (Colorado Springs, Fountain, Manitou Springs, Aurora, Wheat Ridge and Lakewood). Woodland Park will be added in January, Tangeman said. He said the program also has an IGA with Overland Park, Kan., and he hopes to expand into San Antonio and Albuquerque. “It’s absolutely been a life-changing transition for me,” Trylch said. “The military was all I knew; I enlisted at 18. I didn’t know how I was going to make that leap into civilian life. [VLGMF] has served as a great bridge, a great tool, for me.” Tangeman suggested the program could grow quickly, especially as employers seek more workers as Baby Boomers continue to retire. “A lot of government managers are retiring; it’s the Silver Tsunami,” Tangeman said. “This program gives the opportunity to get skilled people with leadership and management experience. It’s a phenomenal opportunity for local governments to tap into a high-quality talent pool.” CSBJ n

Latino: Providing a voice From page 25

CHAMBER HISTORY The chamber was formed in 1979 by a group of business leaders in Pueblo who recognized that Latino businesses needed a voice in the community. “The business community was obviously a different place … there was a need that wasn’t being met, specifically with our Latino population — with our business owners, with those who wanted to pursue loans, that wanted to purchase equipment and open their operation,” he said. Businesses do not have to be Latino to become a member of the Latino Chamber, Trujillo said.

“I think collectively their vision, and by coming together laid our foundation to really say we wanted to be a support system — we want to make sure we’re here to help one another,” he said. “Over the years that vision has grown and that foundation has solidified making sure that values are held to and that we do support business.” More than 1 million people in Colorado are Latino or Hispanic, Trujillo said. Businesses should know how to meet and market to those customers. “We have to understand that these are individuals in our community … they have purchasing power, so if you’re a business it’s important to know who’s your customer,” Trujillo said. CSBJ n

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

Education: Innovations create tomorrow’s workforce From page 4

RETAINING TALENT Only 12 percent of Colorado College’s Class of 2020 will be Colorado residents, according to Megan Nicklaus, director for the Colorado College Career Center. So the college looks at workforce development and talent retention a bit differently. “We’re really working with students to develop problem-solvers and critical thinkers,” Nicklaus said. “Those core skills allow students to contribute to the business community, and we connect with area employers in a variety of industries to understand what needs are.” The college, which operates on an 18-day block system, also provides half-blocks, where students get exposure to different industries. One half-block course meant to respond to workforce needs is the college’s Computer Language as Language class, which aims to create computer literate individuals who can act as a bridge between technical teams and those they serve. As for keeping talent in the Springs, Nicklaus said the college doesn’t have any formal strategies and expects much of the student body to disperse upon graduation. But in the four years she has worked at Colorado College, Nicklaus said she’s seen a change. “More students have a desire at graduation to stay in Colorado Springs. That was not the case four years ago,” she said.

THE NEXT STEP Those who graduate from Regis University’s Rueckert-Hartman College for Health Professions at its Colorado Springs campus already have a leg-up, thanks to the region’s defense presence. “As we know, we have a great need for mental health professionals in this community,” said Patti Diffee,

clinical administrative coordinator within the college’s Division of Counseling and Family Therapy, “and specifically because of our large military population.” Diffee, a Regis graduate, said the college reached out to veterans, active duty members and their spouses to learn about “how to meet the real-world needs of military service members and families” and that the Colorado Springs campus is focused on family therapy based on their responses. Many graduates from the program go on to work for local behavioral health organizations, such as Cedar Springs Hospital and AspenPointe, but also have the training to adapt to many behavioral health fields, she said. Part of their community efforts is increased collaboration among local colleges and universities. “We have seen a really concerted effort to collaborate with local institutions of higher education,” Diffee said. “We’ve presented to Colorado College; we’ve collaborated with UCCS. None of them offer emergent family therapy as a degree. That’s what sets us apart and makes us unique and allows us to collaborate — we’re not competing. We can make a bigger impact as a group.” The next step should be a formal cohort allowing colleges and universities, including institutions in Pueblo, to come together and discuss workforce needs, programming gaps and how to work together to fill those.

THE QUAD One answer to the collaboration question is the Quad Innovation Partnership. Following a few years of summer programs, the partnership is about to launch its first academic year piloting model. A collaboration between Colorado College, Pikes Peak Community College, UCCS and the Air Force Academy, The Quad was created partly to keep more

local graduates in Colorado Springs. The Quad’s focus is on innovation and entrepreneurship, and it challenges participants to solve problems. Jacob Eichengreen, executive director of Quad Innovation Partnership, said part of the mission is making sure those about to graduate or those who recently graduated are “market-ready.” The Quad works closely with the business community, Eichengreen said, to develop opportunities for students to be innovative while simultaneously doing work that’s important to business. “Here’s a hypothetical example: Let’s say a business has a warehousing need, and it’s running into an issue in its supply chain,” he said. “We offer that challenge to the students, who look at the inventory system and identify bottlenecks. If they can eliminate the need for another warehouse, that’s a massive impact for someone to have right outside of school.” The program’s structure allows it to be agile, Eichengreen said, adding it leverages the collective expertise of the faculty at each involved institution. “Staff support keeps students on track,” he said. “And we can identify a faculty member with the most relevance to the field from a collective set of faculty, which is really exciting. And we get agility from the four schools because we’re able to build in conjunction with what businesses need. With the depth of our four partners, there is an expert on just about everything somewhere in the system.” Eichengreen said he’s heard comparisons to business incubators or accelerators around the country, but few have access to such a variety of expertise in higher education, and the point of the Quad isn’t necessarily to create a company that will sell one day. “We’re a leadership accelerator,” he said. “We have far more individuals who have the right pieces to create a startup company, but they’re not ready to make that leap.” CSBJ n

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30 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

UCCS BUSINESS RESEARCH CORNER

Rely on employee expertise to fix business processes Problem: We are constantly trying to improve our business processes and operations, but we are overwhelmed by the amount of data and complexity of our processes. We are convinced that our customers would benefit if we could improve our processes. Where do we start?

ompanies that tackle process improvements do not have to hire a bunch of statistical experts to perform complex analyses. In fact, accomplishing substantive improvements in any organization can happen using a few simple techniques that take advantage of employee expertise and experience. Robert Leitnaker, Sanders and Hild in B L O C K “The Power of Statistical Thinking” define a process as: “a structured set of interrelated operations, activities, and tasks that produces a set of specific outputs through the application of skills, methods, and practices specified by organizational protocol.” Process management aligns business activity with customer values. It also uses employee knowledge of the current process to assess opportunities to improve. Applying elementary process management techniques can help with the selection of processes to improve, and strategies for doing so. Employees must understand their effect and contribution to the company’s process outcomes and success. Employees should be helped to understand the

important relationships between operations, activities and tasks. One such tool for identifying these causal relations and factors that affect the outcome of the business processes is the Cause and Effect Diagram.

CAUSE-EFFECT DIAGRAM The diagram (also known as a “Fishbone Diagram,” for obvious reasons) is an easy way to organize and assess a specific process with experienced and involved employees. It provides a tool to organize factors af-

fecting the process and identify potential sources of variation. The identified process factors are referred to as the Six Ms: Measurement factors, Manpower (labor), Materials, Mother Nature (the environment), Methods and Machines. In addition to identifying factors that influence the process, those factors can be classified as controllable, uncontrolled (noise) and factors that should be held constant. Employees who participate in defining the causes and effects of processes may find a solution that improves

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

outcomes and efficiency; but there are other benefits to participating in this activity. Focusing on a process and examining effects with employees opens the potential to build commitment to improving it and enhancing customer experience. As the factor relationships are explored and improved, another common benefit is improved overall organizational effectiveness. For example, the Minnesota Department of Health not only uses Cause and Effect Diagrams, it shares its experience and use through the creation of an online tutorial with examples of how it has used this technique to identify root causes of problems and improve processes. For more information and details, visit health.state.mn.us/divs/opi/qi/toolbox/fishbone.html.

ACTIONS Here are three actions leaders can take to implement these simple process improvement techniques: 1. Seek input — identify a business process challenge to employees. Ask them to examine the problem/issue and to complete a Cause and Effect Diagram. 2. Evaluate the inputs — ask employees to bring completed Cause and Effect Diagrams to a common session and create a master diagram. Discuss and make changes based on group input. Build consensus and commitment to take action to improve the process. 3. Implement a systematic approach — whether you are trying to solve a problem, improve the business process (or both), a systematic approach will help you achieve desired results. One of the most common (and simple) approaches is implementing a Plan-Do-Check-Act cycle. The figure below demonstrates the cycle flow: The Plan-Do-Check-Act cycle is an effective tool for the improvement of processes throughout the company. Determining variation that affects the process may lead to additional insights and improvements. These simple techniques are a great introduction to process improvement and improving customer satisfaction. Robert Block, PhD, is the associate dean for the College of Business at UCCS, and an associate professor of business analysis. His research activities, in addition to statistical analysis, include STEM education. His current work oversees a $1.2 million grant from the National Science Foundation, recruiting STEM professionals to a second career as teachers by awarding $15,000 scholarships to pay for their teacher licenses. For more information, contact OPED@uccs.edu.

Send business questions to OPED@uccs.edu The Legal Aid Foundation of Colorado salutes the following individuals and law firms from El Paso County who contributed to legal aid this year. The El Paso County Campaign for Justice raised over $100,000 to provide civil legal services for low-income individuals and families. Law firms in bold gave at the Leadership Level of at least $450 per lawyer.

$2,500 and above Bryan Cave Hogan Lovells Holland & Hart David M Johnson Johnson Kush W Bruce & Carolyn Kopper Lewis Roca Rothgerber Christie Brent Rychener Sherman & Howard Sparks Willson Borges Brandt & Johnson

$1,000 - $2,499 Paula & Ted Bills Black & Graham Kent H Borges & Stephanie B DiCenzo Joe A Cannon LLC Keith Cross Lisa M Dailey Larry R & Barbara Gaddis Edward A Gleason Phillip A & Meg Kendall Joseph Lambert Melat Pressman & Higbie David C Mize Retherford Mullen & Moore Walter H Sargent Erin Sokol

$500 - $999 Cook Varriano Joyce & Richard K Eitel

Tad S & Melissa Foster Melanie D Guldman Paul H & Judy A Haller Heuser & Heuser Scott W Johnson James W Kin Steve & Ellen Koerner Patric J LeHouillier Lewis Kuhn Swan Linden Kominek PC James L & Kathy Merrill Mika & Associates G David & Suzanne Miller Peter J Obernesser Tim J & Kristi Schutz Sears & Associates Daniel M & Jennifer Winograd

$250 - $499 William B & Jennifer Bain Michael A Berniger Diane K Bross PC Donald E Campbell David C Conley Gary F Dailey Donley Law PC Henry B Eastland James L & Deborah English Deanne M Cain Fischlein Erhard Fitzsimmons PC Jane B Fredman LLC C Lee Goodbar Jr William & Janice Hornbostel

Patrick A & Kara Hrbacek Paul W Hurcomb & Diane C Boldt Thomas M James Stanley C Kent Bruce A Kolbezen Stephen J & Cheryl Lebel Robert J Mack Newman McAllister Chester H Morgan II J Stephen & Nancy Mullen David D & Sandy Parrish Steven T & Debi Pelican Pikes Peak Paralegals David Lee Shakes Vaughan & DeMuro Lin Billings Vela M Jill Whitley Consuelo Williams Law Firm Susan K Wood-Ellis Henry D Worley & Sharon Tarr Worley

$100 - $249 Deborah R Adams Peter W Booth Jill M Brady Christopher M & Jenavie Brandt Robert D & Mary R Briggle G Scott Briggs Catherine MK Brown Buell & Ezell Timothy R Bussey William H Cogswell Wilton W Cogswell III

Richard F Currey Raymond M Deeny Geoffrey H & Becky deWolfe Doherty Law Firm Kelly & Cindy Dude Bliss Ann Eckland Debra L Eiland PC Michael Flynn Feeney Leo L Finkelstein Lindsay E Fischer Peter A Goldstein Kent Gray Eric & Mary Faith Hall Jon R Hertzog Sharon A Higgins William J Hybl Kenneth P Keene J Patrick & Patricia Kelly Richard J Kennedy Connie H King Larry Martin C David McDermott McDivitt Law Firm The Moller Law Group Ryan Morey Howard Morrison Kenneth P Myers Gregory M O’Boyle John G Otto Cynthia M Pring Vincent N Rahaman Dean Reinhardt Mark J Rue

Special Thanks to the 2016-17 El Paso County Campaign Committee: Dave Johnson (Co-Chair), Brent Rychener (Co-Chair), Erin Sokol (Co-Chair), Kent Borges, Larry Gaddis, Ed Gleason, Carl Graham, Phil Kendall, and Jill Whitley.

www.LegalAidFoundation.org

Stephanie Shannon Carey Wall Stark John R Stefonik Dan D Stuart Joan E Teslow Christopher B Tremaroli Lewis Turner Matthew B & Julia Wills Robert M & Bari L Willson Winston Law Firm Frederic M Wise

Up to $99 Anonymous Doyle & Velda Baker Michael & Rebecca Bromley Sherry & Glenn Butcher Gordon R & Suzanne M Denison Laura N Findorff Debra L Fortenberry Leif Garrison Joan A Goldsmith Jon Gorski E David Griffith Kenneth A & Sandy Jaray Frances R Johnson Wendy Kisicki Patricia L Martin Davide C Migliaccio Michael W Moran PC John W Suthers Manuel M Weiss

32 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

Robots: A different kind of cyber threat From page 5

NEVER GIVE UP. NEVER QUIT. Keynote Speaker

TRAVIS MILLS

United States Army Staff Sergeant (Ret.) and recalibrated warrior

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Industrial robots must follow three fundamental laws: accurately “read” from the physical world through sensors and perform actions through motors and tools; refuse to execute self-damaging control logic; and most importantly, never harm humans. Safety is a real concern, according to Murray. “Some robots humans aren’t allowed to be around — you have safety areas around them, and you’re not allowed to break those barriers,” he said. “What if the specification on that [robotic] arm is changed, and it comes outside that barrier?” While many Springs manufacturers don’t currently rely on connected robots, that’s changing. Tony Feltman, president and owner of Spire Manufacturing Solutions, said more and more local manufacturers will move to greater automation and more robotics to stay competitive during the next three to four years. Colorado Springs — along with the rest of the United States — “skipped a few generations of new introduction of manufacturing technology” due to a period of offshoring, he said. “We as the United States and/or Colorado Springs didn’t keep up with technology, and now it’s a big leap,” he said. “Now you really don’t have a choice if you want to stay competitive:

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you either retire, sell your business or integrate the technology.” Once manufacturers connect those industrial robots to the internet to enable real-time monitoring, diagnostics and other efficiencies, cybersecurity becomes critical, Feltman said.

CYBERSECURITY AS STRATEGY Cybersecurity must be part of every manufacturer’s strategy for updating production with industrial robots, Murray said. “Part of the strategy should be to

have a senior cyber engineer baking it in. That’s one of the things we preach: Design the security into the solution that you’re developing, so that you’re not having to do it after a breach when you’ve spent a whole bunch of money trying to recover from a hack or malware,” he said. “Invest it now instead of later, because the cost of doing it later is going to also include the loss of business, the loss of reputation, the loss of production. All of those will add up, and you have to do it anyway.” Murray shared the basics for protecting manufacturing and robotics systems and networks, including: • Don’t connect a robotic network to the internet unless it’s really necessary. • Segment the production network from the business network, and use defense-in-depth strategies to protect them. • Make sure rogue systems or robots can be isolated from others on the production line remotely. • Create identification and dual-factor authentication procedures for production systems, robots and the networks they operate on. • Make sure the operating system includes malware protection unique to the computing environment. • Ensure only authorized and documented changes can be made to the production environment, including software changes, hardware changes and configuration changes. CSBJ n

8/9/17 9:12 AM

Join us for TEDxUCCS - Curiosity UCCS Campus, Berger Hall • Thursday, October 5, 2017

This year we invite dreamers and thinkers to join us in the conversation about Curiosity. Join us for TEDxUCCS on October 5th and dive into the inquisitive nature and learn more about Curiosity. Media Partner:

For conﬁrmed speakers visit: www.TEDxUCCS.com/presenters

Additional speakers are added daily, check our website for the latest updates. For more information about this event visit www.TEDxUCCS.com This half day TEDx event is organized by the El Pomar Institute for Innovation and Commercialization (EPIIC).

For tickets visit www.TEDxUCCS.com

Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

OPINION: SWEET

New supply changes energy conversation • Wind and solar energy are now as cheaply produced as oil and gas. And experts say the cost curve for renewables will continue to trend downward during the next decade, making it cheaper to retrofit power plants to handle solar and wind energy than to continue burning coal or natural gas. • Back in 2012, the United States started exporting more petroleum than it was importing. The U.S. is now the largest single-country producer of oil in the world — Saudi Arabia is second. • Policies to encourage renewable energy don’t actually address the underlying problems of pollution or climate change — they only prevent growing the carbon footprint, but do nothing to stop existing polluters. • Colorado is responsible for just 1 percent of the carbon dioxide releases in the environment in the United States.

hose are just a few of the lessons learned last weekend as part of the Bighorn Leadership Energy Conference held by Engaged Public, a statewide organization geared toward creating productive conversations around major issues. Held in the Springs over one weekend a month from September through December, the group’s goal is to S W E E T create a reasonable dialogue about challenges in the energy sector in Colorado — one where people from different backgrounds can discuss issues without rancor. It’s the first time the group has addressed energy issues, and there are plans for another forum in the Spring.

Amy G.

APARTMENT ASSOCIATION OF SOUTHERN COLORADO

PROTECT

EDUCATE

NETWORK

About 30 people met at Garden of the Gods Collection last weekend, with representatives from the Public Utilities Commission, rural electric cooperatives around the state and the oil and gas industry; policymakers from state government; attorneys; politicians; advocates for clean air and water; and advocates for the energy industries. The group also included people interested in learning more about the challenges facing Colorado as the nation tackles air pollution, the downside of hydraulic fracturing, carbon dioxide sequestration and capture and a host of other energy issues. Along the way, the group heard from state regulators — the ones who organized task forces in 2008 and 2012 to create regulations for oil and gas exploration in more heavily populated areas — a scientist from Lawrence Livermore Laboratory and from professors at the University of Colorado Boulder who run an “MBA for energy officials” program. The news from the energy sector? It’s a pretty exciting time to be part of it. “A decade ago, we were talking about peak oil, about supply constraint,” said Dr. Julio Friedmann, senior fellow at Lawrence Livermore National Laboratory and a former principal deputy assistant secretary at the Office of Fossil Fuel at the Department of Energy. “The world has changed. We have double the amount of oil and gas we need past 2050. We’re now living in a demand-constrained world.” And while demand for electricity has leveled off in the United States and many of the developed economies in Europe, it’s just starting to rise in places like India and Africa, he said. Those areas will increasingly demand more energy. “The important thing is that energy use and expansion correlates strongly with economic development,”

Friedmann said. “It allows you to stop carrying wood for fuel and start developing an economy.” But there’s much scientists and economists don’t know about the demand equation: How many new cars will fill the streets of Chinese cities? Will Chinese people move from the city and rural areas to create suburbs like America’s (increasing the need for more cars and more gas)? Those things are hard to determine using economic models. But one thing is certain: Increased supply equals less interest in pursuing fuel efficiency and energy controls, which makes it more difficult to reduce pollution. “There’s just not that kind of emphasis any longer,” Friedmann said. “That’s where policy needs to meet technology.” And for some participants, all the talk about carbon sequestration tends to mask other problems. While Colorado’s carbon footprint is small, that doesn’t mean other sorts of pollution aren’t a problem. The conversation around energy needs to include more talk about air quality issues that stem from burning fossil fuels. The major takeaway from the weekend: The energy sector is complex, and every source comes with its own problems. Fossil fuels create air- and water-quality problems and worsen global warming; renewables produce cleaner energy but create pollution as part of their supply chains and manufacturing processes. The solution could be a mix: Using solar and wind energy during low demand and then switching to natural gas (which, unlike coal or nuclear energy, can be ramped up to meet demand and then tamped off when demand is low) for peak demand periods. CSBJ

The Annual AASC

Chili Cook-off SEPTEMBER 22, 2017 C.S. CITY AUDITORIUM - 221 E. KIOWA ST., 80903

CHILI COOK-OFF 1:00PM-4:00PM

-Do you like chili? -Interested in meeting property managers? -Ready to expand your network?

If so please join us for this fun annual event!

$20 - ATTENDEE TICKET TO CHILI COOK-OFF Call today at 719.264.9195 to find out more!

Go to www.aaschq.org to register today 545 E. Pikes Peak Ave., Suite 105 | Colorado Springs, CO 80903 | P: 719-264-9195 | F: 719-264-9198

34 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

OTHER VOICES

Investing in wellness pays off

I 

f you’re an executive ready to slash your employee health care costs, implementing a corporate health and wellness program is one of the best ways to achieve the goal. For every $1 spent on a corporate wellness plan, there’s a $6 return on investment, according to the National Council on Strength and Fitness. Not only that, but having a program is highly likely to make you and your employIVERSON ees downright happy. Corporate wellness programs have been shown to increase morale, energy and productivity in the workplace, while decreasing sick leave, doctors’ visits, and absenteeism (being physically at work, but mentally checked out), and reducing health insurance costs. Wellness affects your bottom line. If your employees are present, productive and healthy, so is your company. So, it’s a win-win for both businesses and employees. Often executives try out a program personally before signing on for the company — this gives them genuine enthusiasm for and belief in the program before they roll it out for their employees. Such a process typically involves a three-month commitment (to instill new habits), which includes coaching, personalized eating and fitness plan, evaluation of progress, occasional food and fitness logs to measure results and/or make adjustments, and monthly body composition tests. Once an executive starts to see the benefits personally, they usually want to pass that down to their team, as they recognize the synergy it will create for employees. The U.S. Chamber of Commerce’s “Winning with Wellness” report shows solid evidence that wellness programs result in health care savings. According to the report: • 60 percent of respondents said workplace wellness programs reduced their organizations’ health care costs. • Inpatient costs reduced by 68 percent of total cost reduction.

Tracy



                  





Transform the community $1 at a time

hilanthropy isn’t about writing a single check to a nonprofit. Philanthropy is about creating change. Yes, one gift makes a difference. Good questions to consider are: How S TA F FO R D many people does that gift affect? How will the organization use the money? Will it help support other like-minded organizations? Will it better the community as whole? One significant donation can reverberate throughout an entire community, bringing about transformations, enhancing entire systems and elevating communities. If you want to maximize your giving, consider the bigger picture. What are the economic and social benefits of having this organization in your community? Let’s take Children’s Hospital Colorado as an example. The new hospital is set to open in Colorado Springs in 2019. Investing in the new hospital dedicated to children is not only an investment in pediatric health care, but also an investment in the Colorado Springs community as a whole.

Jenny



 

• Use of health care services decreased, reducing employer costs. • Employees showed “clinically meaningful” and long-lasting improvements in their weight, smoking status and physical activity. To motivate employees, it’s helpful to make a fun and competitive game of it and use fitness trackers. This ensures that employees can accurately track their activity and achieve personal goals. I recommend that employers distribute monthly or quarterly prizes or bonuses for employees who meet or exceed their health and activity goals. And sleep. Proper amounts of sleep are vital to increasing one’s health, as our bodies recover physically and mentally while we sleep. When you’re ready to have someone launch your corporate health and wellness program, here are some best practices your company should follow. Fitness is multi-faceted, so there’s much more to it than merely losing weight. For instance, stepping on a scale before and after three months is not a reliable measurement of health. Make sure the consultant/company has a certified metabolic analytics practitioner. Find out whether the program includes thorough tracking, ongoing coaching, specific ways for each individual to measure his or her progress, including quarterly reassessments and body composition tests, as well as individualized workout plans and dietary guidelines. In order to gain measurable return-on-investment for your company, the program will need to be structured so as to be accountable to your goals. Finally, before signing on the dotted line, ask for references. Talk to an executive from a business that’s worked with the company, to know they will deliver on their promises. Tracy Iverson, strength and wellness coach at Conspire, has nearly 20 years’ experience in the health and wellness industry, including fitness training, executive coaching, nutrition, lifestyle and corporate wellness. He can be reached at tiverson@ conspire2hire.com.

Financial benefits: Even before opening, the new Children’s Hospital Colorado has benefited the Colorado Springs community. The construction of the hospital has added about 1,400 jobs in Colorado Springs. Eighty-five percent of construction wages are spent locally. The hospital will continue to have a positive economic impact after it opens, adding an estimated $147 million to the Colorado Springs economy every year. So, instead of dollars from our region flowing into the Denver metro area, the money will directly benefit the Springs community. Social benefits: Having a local pediatric hospital will help patients and families in Colorado Springs receive care closer to home and have better health outcomes. Children won’t have to miss as many school days and parents won’t have to miss as many work days, increasing their earnings and decreasing their dependence on social programs. With more time together, a family is less likely to experience as much stress or behavioral issues. Beyond patients and families directly impacted by Children’s Colorado, the new hospital will help the larger Colorado Springs community. A comprehensive, state-of-the-art children’s hospital gives a competitive

edge to Colorado Springs. It puts our city on the map as an attractive place for growth, drawing potential companies and employees. The new Children’s Colorado will also enhance health care education within the region by providing specialized pediatric clinical training opportunities for UCCS. The cherry on top: Children’s Colorado in Colorado Springs partners with the organizations you may already support: veterans services, YMCA of the Pikes Peak Region, Pikes Peak Therapeutic Riding Center, and other groups. Giving to Children’s Colorado not only supports the hospital, but also these partner organizations. So when you think about your philanthropy, consider it a three-step journey: considering how much to give, deciding how to give and which organization is right for you and seeing the impact. Writing a check is only the first step to thinking about philanthropy. Think of philanthropy as an opportunity to create the change you want to see — and the potential ripple effect it will have on your community. Jenny Stafford is director for the Children’s Hospital Foundation. She can be reached at jstafford@childrenscoloradofoundation.org.

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Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

BUSINESS LEADS Incorporations Filed with the Secretary of State when an individual or business incorporates. ENTITY NO

CORPORATION NAME

TYPE

FILING

AGENT

AGENT ADDRESS

AGENT CITY

STATE

20171661888 20171666980 20171675007 20171650627 20171666892 20171660255 20171532609 20171579530 20171603351 20171613870 20171617872 20171632172 20171650424 20171660242 20171660243 20171660244 20171660247 20171660258 20171660259 20171660260 20171660264 20171660268 20171660269 20171660272 20171660273 20171660274 20171660276 20171660302 20171660324 20171660536 20171660578 20171660599 20171660648 20171660661 20171660763 20171661233 20171661285 20171661314 20171661578 20171661610 20171661615 20171661686 20171661796 20171661849 20171661850 20171661874 20171661897 20171661933 20171661950 20171661966 20171661986 20171662011 20171662030 20171662050 20171662433 20171662518 20171662630 20171662719 20171662754 20171662934 20171662972 20171663056 20171663087 20171663195 20171663329 20171663422 20171663445 20171664106 20171664107 20171664108 20171664110 20171664112 20171664113 20171664115 20171664116 20171664228 20171664512 20171664611 20171664712 20171664780 20171664972 20171665015 20171665050 20171665302 20171665507 20171665773 20171665782 20171665933 20171665934 20171666084 20171666133 20171666182 20171666494 20171666500 20171666512 20171666541 20171666556 20171666618 20171666883 20171667031 20171667455 20171667710

Mountain Fence LLC GARNISH INC Bad Boy Attachments llc CoButterfly LLC Front Range Credit Counseling LLC Blue Mountain Gutters Matsu Motorcycles LLC J & T Cleaning, LLC Helping a Growing Heart Inc. COSMO Ops, LLC The Chinese Language Institute, LLC Briargate Pet Sitting LLP Springs Organic Spa Cajun Spirit Consulting, LLC Gibbs glass, LLC Rustic Nomads, LLC Djwindows, LLC FractionalPM, LLC Homes With Tanja, Inc. WPF Global, LLC AICH Holdings, LLC Epic Pontzer Ventures, LLC SM Heating and Air, LLC U.S. FOCTHAI TECHNOLOGY CO., LTD Line Opener, LLC Kellogg Trucking, LLC Palazzo Property Investing, LLC Thomas Consulting, LLC Colin Cruz Ministries, Inc. MLG Global Trading LLC Cordy Fitzgerald, LLC Flow State CBD, LLC Best Auto Repair Inc. Makimoo Inc. Grand Mesa Logistics, LLC Contrarian LLC From The Boat, Inc. Talmich Plumbing & Heating LLC CH Enterprises, Inc. Sunshine Global Health Synergy, LLC Tom & Cheryl Talmich Live Pure LLC GATHORA LLC Torres Handyman Services LLC Whisky Pilot LLC Golden Aspens, LLC CASTLE GROUP CAPITAL INC SQUADRA, LLC AZALEA HORSESHOEING LLC STREETCAR8 LLC INNOVATIVE AERIAL PRODUCTS LLC MIRCHI’S LLC CHAMBREY A JOHNSON, LLC ETROGERS CONSULTING LLC SoCo CPA, PLLC Lincoln St. Barbers Incorporated Betensh LLC COVASAH, LLC Book of Matthew Krystyn Jones LLC RATZLAFF APPRAISALS INC KPS Nutrition Consulting, LLC Springs Nutrition and Wellness, LLC Strange Marketing West Maui Properties KShores 350, LLC Mint & Porter Design Co. LLC Bold Property Investments, Inc. ASI EH, LLC Consistent, LLC Western Shipping United, LLC Mile High Wings- Bowles Crossing, LLC Realtor Advance, LLC Liatris, LLC Laughing Magpie, LLC Whampus Used Books, LLC WSHW, LLC JSK Enterprises LLC Fourth Estate Publications, LLC Cruzin Contributions Colorado Development and Investment LLC Holloway Transfer Marksheffel Equities LLC Heart & SPPirit, LLC Integrity Investigations LLC Mile High Plastics And Packaging, LLC Viramontes Construction, LLC REBEL UNICORN CRAFTS LLC Abby Domier Counseling Services, LLC Living Well Online LLC Applied Engineering and Geology, Inc. Betty’s Beads Sita Properties, LLC Gleam Colorado LLC Hen Pen, LLC JBC Group’s Cannabis Cultivation Enterprise CrossFire Transportation, Inc. View Homes Incorporated Pikes Peak Horizons Incorporated DRAGON KING INC Breakthrough Colorado B&Q Residential Construction, LLC Style Dots LLC Drive Springs LLC

DLLC DPC DLLC DLLC DLLC DLLC DLLC DLLC DNC DLLC DLLC DLLP DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DNC DLLC DLLC DLLC DPC DPC DLLC DLLC DPC DLLC DPC DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DNC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC FLLC FPC FPC DPC DPC DPC DLLC DLLC DLLC

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Michael Hagan SMRITI KUMARESAN jeff karshner Mihaela Cioranu Christopher Callahan benjamin evans Jeremy Matsumoto Jenny Hughes Chris Baker David Stevenson Richard Fried Barbara Bonatti Sabrina Bastien CHENGCHENG CHI Colin Cruz Morgan Garrison Christopher Mabry LING HAN Thomas Talmich Hayden Gregory Cheryl Talmich Steven Torres Kathleen Hobbs Bradach Fitzwater Jason Crampton Liyan Healey David Neville Debbie Laney Krystyn Jones JUSTIN RATZLAFF Kelly Smith Kelly Smith Eric Strange Sheridan West Angelina Pecoraro John Krider Timothy Hoiles Joseph Scovill Kip Petersen Victor Holoway Danny Mientka Rebecca Powe Corbin Cowan Abby Domier Joy Hearten-Johnson Dane Frank Elizabeth Kiley Dharmesh Jivan Stephen Prewitt Melanie Marsden Richard Monson Doug Little Wendy Murr MING KUN WANG Rogelio Amezcua Denise DeCosta Tonya Betterson

7910 Forest Road 9605 PROMINENT POINT 4070 bradley rd 2585 Lyncrest drive 5545 wagon master dr 223 university dr 1078 Scarlet Oak Dr. 5923 Corinth Dr 13115 Canyons Edge Drive 17476 Pond View Pl. 5516 Mountain Garland Drive 7452 Falconer Way 11 s 16th street 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 South Tejon Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 1260 Windemaker Ln. 40 Rangley Dr 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 3650 Jeannine Drive 5030 Boardwalk Drive 121 S. Tejon Street, Suite 900 2 N Cascade Ave., Suite 590 121 S. Tejon Street, Suite 900 9150 Bellcove Cir 631 N. Weber 3730 Sinton Rd 9150 Bellcove Cir 1155 KELLY JOHNSON BLVD 3015 Teardrop Cir. 1155 Kelly Johnson Blvd, Suite 111 8128 Mockorange Heights 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1231 N Franklin St 2727 Cascade Ave Ste 145 2444 Great Sky Rd 430 North Tejon 6809 Space Village Ave 632 Silver Oak Grove 204 CROWN HIGH COURT 819 Dunston Street 819 Dunston Street 4815 Ardley Dr. 3255 ELECTRA DR 227 Youngstown St 121 South Tejon Street, Suite 900 9475 Briar Village Pt, Ste 220 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 415 Mesa Vista Ct 1483 Woolsey Heights 1710 Briargate Blvd, Ste 169 13395 Voyager Parkway 7219Tilden St. 90 S Cascade Ave Suite 1500 5405 Broadmoor Bluffs Drive 1367 Portland Gold Drive 13301 Crane Canyon Loop POB 60801 1155 KELLY JOHNSON BLVD 7547 Quiet Pond Place 2466 BLAZEK LOOP 14 N. 12th Street 421 Ravenview Ct 1506 N Academy Blvd 6055 Mach 1 Drive 4531 Ridgeglen Road 121 South Tejon Street 5255 Bluestem Drive 1710 Jet Stream 2612 Beacon Street 1929 N NORWOOD AVE 1670 PAONIA STREET 1384 Sandalwood Dr. 5864 Huerfano Dr. 1410 Cumberland St

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36 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

EXECUTIVE HOMES

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The Bobbi Price Team

Bobbi Price 719-499-9451 Jade Baker 719-201-6749 Stephanie Hawthorne 719-210-0480 $31,000,000 IN CLOSED SALES IN 2016

8476 Cypress Wood Drive – Banning Lewis Ranch - $339,000

4409 Argyll Circle – Bridlewood - $450,000

Brand new rancher under construction. 2713 sq. ft. 4 bedroom, 3 bath rancher with slab granite counters throughout. Stainless steel appliances. Hardwood & upgraded carpeting. Gas log fireplace. Maple cabinets with crown molding. Open great room floor plan. Great family neighborhood with pool, tennis, playground, community center, & parks. 8 minutes to Powers Corridor or Falcon Town Center. HOAs are $119 per month & include trash. MLS# 5128313

Professionally remodeled 6 bedroom, 3 ½ bath traditional 2-story. Everything is brand new to include stainless steel appliances, granite counters throughout, doors, windows, hardware, lighting, electrical panel, furnace, hot water heater, central air, & hardwood, tile, & carpeted flooring. Fully landscaped 16400 sq. ft. lot at end of tucked away cul de sac in sought after Bridlewood. 4378 sq. ft. of great family living. Hard to find a remodeled home like this in a mature older neighborhood. MLS# 2544600

5255 Chimney Gulch Way – Cordera - $799,000

531 Lucky Lady Drive – Woodland Park - $995,000

Stunning custom 5000 sq. ft. 5bedrooms, 4 ½ bath stucco walkout rancher on 40 private acres. Total privacy between locked gates & dramatic sweeping 240 degree mountain, forest, golf course, & Pikes Peak views. Surrounded on 2 sides by national forest.4 fireplaces. Soaring ceilings. Huge wraparound deck. 3-car garage. Towering pines & giant rock formations. Cost to build in 2004 was $1,200,000. Come enjoy. MLS# 3087709

Customized 2-story – nothing like it! Stunning 4472 sq. ft. Saddletree stucco 5 bedroom, 5 bath 2-story. Walkout basement. 3 ½-car garage. A/C. 2 stone faced fireplaces. Slab granite counters throughout. Gourmet island kitchen. 20’ great room. Walls of windows. 2 decks & partially covered 38x35 stamped concrete patio. Surround sound inside & out. Plantation shutters throughout. Beautiful Pikes Peak view. Cul de sac. District 20 schools. MLS# 1172951

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700497 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 8, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JEREMY SIMON AND MELISSA SIMON Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR LENDER,FREEDOM MORTGAGE CORPORATION Current Holder of Evidence of Debt: FREEDOM MORTGAGE CORPORATION Date of Deed of Trust: February 19, 2015 County of Recording: El Paso Recording Date of Deed of Trust: March 20, 2015 Recording Information (Reception No. and/or Book/Page No.): 215026579 Original Principal Amount: $176,171.00 Outstanding Principal Balance: $172,625.30 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 22, IN BLOCK 2 IN PALMER PARK SUBDIVISION NO. 3, FILING NO. 6, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 3620 AGATE CIR, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/11/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/18/2017 Last Publication: 9/15/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL

Colorado Statewide Classified Advertising Network To place a 25-word COSCAN Network ad in 91 Colorado newspapers for only $300, contact your local newspaper or call SYNC2 Media at 303-571-5117. WANTED SYNC2 MEDIA Cash for Mineral Rights Buy a 25-word statewide classified Free, no-risk, cash offer. Contact us line ad in newspapers across the with the details: state of Colorado for just Call: 720-988-5617 $300 per week. Ask about our Write: Minerals, PO BOX 3668, frequency discounts! Littleton, CO 80161 Contact this newspaper or call Email: SYNC2 Media, opportunity@ecmresourcesinc.com 303-571-5117

CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/08/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-125-30021 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700505 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 12, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): RICHARD CARDENAS and SARAH CARDENAS Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for EVERETT FINANCIAL INC., dba SUPREME LENDING Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: October 30, 2009 County of Recording: El Paso Recording Date of Deed of Trust: November 10, 2009 Recording Information (Reception No. and/or Book/Page No.): 209130497 Original Principal Amount: $183,870.00 Outstanding Principal Balance: $171,987.73 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9, BLOCK 3, NORTHGLEN PARK SUBDIVISION, FILING 4, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1502 MCKAY WAY, COLORADO SPRINGS, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/11/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/18/2017 Last Publication: 9/15/2017 Name of Publication: Colorado Springs Business Journal

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/12/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210 Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00167-1 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700509 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 12, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ANITA GROSS and TERRY GROSS Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. acting solely as nominee for MORTGAGEIT, INC Current Holder of Evidence of Debt: HSBC BANK USA, NATIONAL ASSOCIATION AS TRUSTEE FOR DEUTSCHE ALT-A SECURITIES, INC. MORTGAGE LOAN TRUST, SERIES 2006-AR6, MORTGAGE PASS-THROUGH CERTIFICATES Date of Deed of Trust: February 07, 2006 County of Recording: El Paso Recording Date of Deed of Trust: February 13, 2006 Recording Information (Reception No. and/or Book/Page No.): 206021981 Original Principal Amount: $164,000.00 Outstanding Principal Balance: $158,136.41 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4, BLOCK 13, CONSTITUTION HILLS NORTH FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3025 RICHMOND DRIVE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on

Wednesday, 10/11/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/18/2017 Last Publication: 9/15/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/12/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006654693 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700520 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 15, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Travis M. Romero Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for Land Home Financial Services Current Holder of Evidence of Debt: Land Home Financial Services, Inc. Date of Deed of Trust: November 13, 2014 County of Recording: El Paso Recording Date of Deed of Trust: November 17, 2014 Recording Information (Reception No. and/or Book/Page No.): 214105434 Original Principal Amount: $96,224.00 Outstanding Principal Balance: $93,736.25 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 20, HEARTHWOOD SUBDIVISION FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2704 HEARTHWOOD LANE, COLORADO

SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/15/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Matthew Ryan Sullivan #39728 Messner Reeves LLP 1430 Wynkoop Street, Suite 300 Denver, CO 80202 (303) 623-1800 Attorney File # 7729.0104 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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38 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal

PUBLIC NOTICES COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700521 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): RONNIE L. HUTCHISON and TIFFANY L. HUTCHISON Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for PEOPLES MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: March 22, 2010 County of Recording: El Paso Recording Date of Deed of Trust: March 26, 2010 Recording Information (Reception No. and/or Book/Page No.): 210028334 Original Principal Amount: $152,192.00 Outstanding Principal Balance: $153,358.07 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1, IN BLOCK 3, HOLLY HILLS FILING NUMBER 2, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK P-2 AT PAGE 39. Also known by street and number as: CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

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IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015872 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700522 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SAMUEL F. GORDON III Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for BROKER SOLUTIONS, INC.DBA NEW AMERICAN FUNDING, its successors and assigns Current Holder of Evidence of Debt: BROKER SOLUTIONS, INC. DBA NEW AMERICAN FUNDING Date of Deed of Trust: February 10, 2016 County of Recording: El Paso Recording Date of Deed of Trust: February 19, 2016 Recording Information (Reception No. and/or Book/Page No.): 216016679 Original Principal Amount: $320,230.00 Outstanding Principal Balance: $316,495.47 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 54, STARWATCH FILING NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5245 QUASAR COURT, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE

MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015848 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700523 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): HAMMARLUND A LOW Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: October 29, 2002 County of Recording: El Paso Recording Date of Deed of Trust: November 06, 2002 Recording Information (Reception No. and/or Book/Page No.): 202194401 Original Principal Amount: $239,994.00 Outstanding Principal Balance: $213,227.14 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 44, STETSON HILLS SUBDIVISION FILING 31 IN THE CITY OF COLORADO SPRINGS COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 5164 LONE STAR PLACE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY

THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006775100 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700524 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ROSS FONTECCHIO and CANDICE FONTECCHIO Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for EQUIFIRST CORPORATION Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A., AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST, SERIES 2007RFC1, ASSET-BACKED PASS-THROUGH CERTIFICATES Date of Deed of Trust: September 20, 2006 County of Recording: El Paso Recording Date of Deed of Trust: September 28, 2006 Recording Information (Reception No. and/or Book/Page No.): 206143133 Original Principal Amount: $188,000.00 Outstanding Principal Balance: $209,189.72 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 27, BLOCK 1, OLD FARM SUBDIVISION FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. *PURSUANT TO LOAN MODIFICATION AGREEMENT DATED FEBRUARY 22, 2013. Also known by street and number as: 4972 HORSESHOE BEND STREET, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all

as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006810626 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700541 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 23, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): PETER D GONNELLA Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for CITIMORTGAGE, INC. Current Holder of Evidence of Debt: PROF-2013-S3 LEGAL TITLE TRUST II, BY U.S. BANK NATIONAL ASSOCIATION, AS LEGAL TITLE TRUSTEE Date of Deed of Trust: January 31, 2007 County of Recording: El Paso Recording Date of Deed of Trust: February 05, 2007 Recording Information (Reception No. and/or Book/Page No.): 207016957 Original Principal Amount: $105,600.00 Outstanding Principal Balance: $91,675.37 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. PLEASE SEE ATTACHED LEGAL DESCRIPTION EPC201700541 LEGAL DESCRIPTION Condominium Unit 27, in Sand Creek Commons – a Condominium Community, according to the Declaration thereof filed for record in the Records of the Office of the Clerk and Recorder of El Paso County, State of Colorado, on April 12, 2000, In Reception No. 200040026, and as subsequently Amended, and as defined and described in the Condominium Map for Sand Creek Commons Condominiums Phase 5A recorded on April 17, 2001 in Reception No. 201047896, in said records, County of El Paso, State of Colorado. Also known by street and number as: 455 KITFIELD VIEW #27, CO SPGS, CO 809221659. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in

said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/25/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/1/2017 Last Publication: 9/29/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/23/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006567564 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700555 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 30, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SHAINE M MONTGOMERY Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for STEARNS LENDING, LLC, its successors and assigns Current Holder of Evidence of Debt: STEARNS LENDING, LLC Date of Deed of Trust: December 24, 2014 County of Recording: El Paso Recording Date of Deed of Trust: December 26, 2014 Recording Information (Reception No. and/or Book/Page No.): 214119017 Original Principal Amount: $199,224.00 Outstanding Principal Balance: $139,880.02 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1, IN BLOCK 8, IN SUNDOWN SUBDIVISION FILING NO. 15, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5803 GRANBY HILL DR, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

Colorado Springs Business Journal

Sept. 15 - Sept. 21, 2017

PUBLIC NOTICES THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/8/2017 Last Publication: 10/6/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/30/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015829 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700570 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 10, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ROBERTO M GOMEZ and DANELLE L GOMEZ Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for lender, USAA FEDERAL SAVINGS BANK Current Holder of Evidence of Debt: USAA FEDERAL SAVINGS BANK Date of Deed of Trust: August 10, 2015 County of Recording: El Paso Recording Date of Deed of Trust: August 11, 2015 Recording Information (Reception No. and/or Book/Page No.): 215086560 Original Principal Amount: $400,000.00 Outstanding Principal Balance: $389,498.09 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 101, INDIGO RANCH AT STETSON RIDGE FILING NO. 4, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6360 SHOOTING IRON WAY, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/15/2017 Last Publication: 10/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/10/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-945-30073 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700569 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 7, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JASON EASTMAN Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for GB HOME EQUITY, LLC Current Holder of Evidence of Debt: NPL CAPITAL, LLC Date of Deed of Trust: April 03, 2007 County of Recording: El Paso Recording Date of Deed of Trust: April 17, 2007 Recording Information (Reception No. and/or Book/Page No.): 207052034 Original Principal Amount: $40,000.00 Outstanding Principal Balance: $36,632.70 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LYING AND BEING LOCATED IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO; ALL THAT CERTAIN PARCEL OR TRACT OF LAND KNOWN AS: LOT 6 BLOCK 3, COLORADO COUNTRY FILING NO. 10, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5440 SACRAMENTO PLACE, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/15/2017 Last Publication: 10/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/07/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: William R. Arant III #36864 Arant Law, LLC 11020 S. Pikes Peak Drive, Ste 220 Parker, CO 80138 (720) 541-7903 Attorney File # 5988 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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40 Sept. 15 - Sept. 21, 2017

Colorado Springs Business Journal