We all will come business practices. build character within each of us. out of it stronger and a little wiser H. Ralph Hawkins, FAIA, FACHA, LEED AP Chairman and CEO Our industry continues to witness a crisis in lending for design and construction that is effectively touching every market sector and geographic area. As always, we want to thank our clients, consultants and builders for allowing us to continue to work in a collaborative manner. Please enjoy this issue of INNOVATE. 2