1. NEIGHBORHOOD
DEVELOPMENT
CENTER
2009 ANNUAL REPORT
entrepreneurship
creates jobs revitalizes
communities
fills empt y
storefronts
cultivates builds safe
leaders neighborhoods

2. A Year of Impact
A Ye ar of Impact
BOARD OF DIRECTORS Dear FrienDs oF nDC,
Kate Barr (Board Chair)
Nonprofits Assistance Fund
2009 was a year of seeking solid ground from which we could keep building neighborhood
Tim Boberg economies—both for NDC and for the entrepreneurs we serve. Given the severity of the economic
Hays Companies
downturn, all of us got better at adapting to constrained resources. Fortunately, NDC as an
Wafiq Fannoun (Board Secretary) organization, and most of the low-income entrepreneurs we work with, know a lot about economic
Islamic University of Minnesota
Mihailo Temali tough times. This experience served us all well last year, as most of us emerged from the year
John Flory (Vice Board Chair) NDC President & CEO
Latino Economic Development Center
with a good sense of how to succeed in the future.
Tony Genia (Past Board Chair)
Northwest Area Foundation Our future continues to be based on two key “assets”: neighborhood “underground”
entrepreneurs who are so often hidden or underutilized in the targeted neighborhoods and
Justin Huenemann
Native American Community ethnic communities we work in, and our community partners who have the trust, credibility and
Development Institute
connections required to find these folks. The resources we bring to both—through our dedicated
Ramon Leon staff, trainers, board and funders—in a long-term comprehensive manner, help entrepreneurs
Latino Economic Development Center
turn their dreams into reality and plants them in their own communities—often on major, visible
Lorrie Louder (Board Treasurer) corridors like Payne Avenue, University Avenue, West Broadway and Lake Street.
Saint Paul Port Authority
Repa Mekha Kate Barr
Nexus Community Partners NDC’s unique “people-based/place-based” strategy continued to “build neighborhood economies
NDC Board Chair from within” in 2009, especially in our targeted communities of St. Paul’s East Side and
Nneka Morgan
Merrill Lynch Frogtown/Summit-University, and Minneapolis’ North Side and Phillips/Central/Powderhorn
Park neighborhoods. Being able to reach into the various ethnic communities in each of
Arvid Povilaitis
Meritex Enterprise, Inc. these neighborhoods continues to be our key approach, with a major emphasis on the African
William Sands American, Oromo, Native American, Hmong, Somali and Latino communities in 2009.
Western Bank
Vivienne Williamson (Board Vice Chair) On behalf of the NDC staff and board, and most importantly on behalf of all the entrepreneurs
Mighty Stitch, LLC
and communities we work with, we thank all of our supporters for their generosity. In so many
May Xiong ways, this is what allows NDC to seed the low-income neighborhoods of Minneapolis and St. Paul
East Side Financial Center and
Center for Working Families with hundreds of its own talented entrepreneurs, changing them forever, for the better.
1

3. Strong Values
St rong Valu e s
NDC VALUES MISSION NDC STAFF
Asset-Based Neighborhood Development Center is a community-based non-profit
The talent and energy among organization that works in the low-income communities of St. Paul, Jeff Alexander Bonita Martin
Midtown Global Training Program Director
residents of low income Minneapolis, surrounding suburbs, and Greater Minnesota to help Market Director
communities are critical resources emerging entrepreneurs develop successful businesses that serve Perla Mayo
Darrell Beauford Technical Assistance Manager
available to revitalize those their community, and to help community groups build a stronger Real Estate
communities economically and neighborhood economy. Accounting Kathy Moriarty
Manager Chief Administrative
socially. Officer
Daniel Birru
Accountant Samir Saikali
Collaborative Grants & Data Manager
Community partnerships and Alison Collins
BRC Supervisor & Brian Singer
networks are key to gaining Assistant Property Loan Director
access to and trust from local Manager
Emma Spillman
“underground” entreprenuerial Becky George Office Manager
talent. Mercado Central
Market Manager Ayan Suguelle
Training Program Coordinator
Patience Kimberly Hanna
Market Coordinator Mihailo “Mike” Temali
Success is a long term proposition President & CEO
that demands patience and an Rick Hofacre
Facility Maintenance Sai Thao
open mind. Manager Loan Officer
Harvey Hoffman Michael Thielen
Adaptable Building Operations Loan Fund Administrator
The environment entrepreneurs Manager
Romaine Turner
work in is complicated and Mike LaFave Senior Loan Officer
constantly evolving and demands Deputy Director
Teshite Wako
from those who work with them an Earlsworth Chief Financial Officer
ability to adapt, and a commitment “Baba” Letang
Midtown Global John Wheeler
to innovation. Market Manager Director of Incubators
NDC STAFF
2

4. Innovative Approach
N D C Innovativ e A pproach
MICRO-ENTREPRENEUR SMALL BUSINESS SMALL BUSINESS CAPACITY SMALL BUSINESS
TRAINING FINANCING CONSULTING BUILDING INCUBATORS
In addition to English- NDC’s unique funding There are five satellite NDC works with Neighborhood NDC and neighborhood
speaking individuals, NDC resource fills a gap in the business resource centers Partners to enhance their organizations collaborate to
provides specialized training Twin Cities finance market available to entrepreneurs. capacity to create and conduct reclaim and rehab commercial
to Hmong, Latino, Somali and by providing access to credit NDC provides on-going economic development properties within targeted
East African entrepreneurs in for start-up businesses (and support in marketing, initiatives within their own inner city neighborhoods. The
their native languages. This other entrepreneurs) who are merchandising, financial communities. properties then operate as
16-week course covers the unable to access traditional record-keeping, credit repair, Incubators, providing a network
fundamentals and techniques sources of capital. NDC retail management, legal of support and resources for
of marketing, operations, created the nation’s first assistance and more. small businesses.
financial management and Reba-Free financing program
writing a solid business plan. to meet the needs of the large
Somali immigrant community.
203 entrepreneurs trained in 27 loans totaling $344,503 More than 3,200 hours of 25 Neighborhood Partners Our small business incubators:
2009 in 2009 small business consulting across the Twin Cities •Frogtown Entrepreneur Center
to 270 entrepreneurs in •Frogtown Square (opens 2011)
2009 •Mercado Central
•Midtown Global Market
3663 entrepreneurs trained 356 loans totaling Approximately 28,000 •Plaza Verde
since 1993 $7,178,992 since 1993 hours of small business •Swedish Bank Building
consulting to 1,200
entrepreneurs since 1993
3

5. Entrepreneur Success
2 00 9 E ntrepre neur Suc ce s s Stori e s
CHERYL MIKEL OF RAINBOW CHILD DEVELOPMENT CENTER
Winner of the Senator Paul Wellstone & Sheila Wellstone Twin Cities Small Business of the Year Award
AWARD NOMINEES
Rainbow Child Development Center has been providing high quality childcare in the Midway neighborhood of St. Paul Café Finspang
Sigbritt Johnson & Maj-Britt Syse
since 1998. The Center provides a safe, nurturing place for children to learn, play and grow and is particularly proud of its
commitment to serve low-income residents of the community.
Central Coffee Shop
Kamaludin Osman
NUH JAMA OF FACE 2 FACE INTERPRETING, INC.
Winner of the Business Achievement Award
Nuh Jama started Face 2 Face Interpreting, Inc. in South Minneapolis in 2006 to provide interpretation Fiesta in America
Laura Sanchez
and translation services. The business has grown dramatically and now offers services in over 30
different languages.
Gaviota Construction
TAMARA MATTISON OF GENERATION TO GENERATION, INC. Harold & Madel Carmen Fajardo
Winner of the Thomas McBurney Community Impact Award
Owner Tamara Mattison created Generation to Generation, Inc. to provide consulting, training and development services for Get Gorgeous Styling Salon
young women. In partnership with Eagles Wings, she created Talitha Cumi—or Daughter Arise!—a 12 week training that focuses Ilka Bird
on developing healthy relationships, healthy boundaries, self esteem, self awareness, self confidence and self worth.
Grass Roots Gourmet
Victoria Potts
NAT COLLEY OF VET YOUR LAWYER
Winner of the Business Creativity Award Metropolitan Transportation Network, Inc.
Vet Your Lawyer’s unique service empowers the ordinary person with objective, independent knowledge Gebi Koji & Tashitaa Tufaa
about the lawyer s/he is about to hire for their case in order to find the “right” lawyer the first time and
save money, time and aggravation.
Nuestro Mundo Bi-lingual Daycare
Lucianna Carballo-Pierre
MAKRAM & SHARIN EL-AMIN OF EL-AMIN’S FISH HOUSE
Winner of the Longevity and Sustained Impact Award
Organize Life
El-Amin’s Fish House is a family-owned take-out restaurant that specializes in freshly prepared fried catfish, whiting and Linda LaBarre & Ashlee Olds
walleye that are prepared with healthy, cholesterol-free cooking oil. Owners Makram and Sharon El-Amin have been serving
high quality, fresh fish in the Twin Cities for more than 20 years and at their location on West Broadway in North Minneapolis
since 2001. Rituals
Antoinette Williams
JAMAL HASHI OF SAFARI EXPRESS RESTAURANT
Sister Chris’ Fruit Flavored Products, LLC
Winner of the Business Turn Around Award Vicie Williams
Safari Express, located at the Midtown Global Market, offers an innovative menu with its own signature
style. Brothers Jamal and Sade Hashi sell many classic East African dishes that are a smash hit,
including their delectable sambusas, homemade chapati bread wraps, and rich meat and vegetable The Clearance Rack
Neeson & Haiyen Vang
stews. 4

6. Entrepreneur Training
E n treprene ur Traini n g
TRAINING PARTNERS
Neighborhood Development Center works closely with community-based
Aurora Saint Anthony Neighborhood
partner organizations to sponsor 16-week entrepreneur training classes
Development Corporation in 20 neighborhoods and ethnic communities throughout Minneapolis
African Development Center
American Indian Economic Development Fund and St. Paul. The class consists of eight classroom sessions and up to
Chicanos Latinos Unidos en Servicio 12 one-on-one consultations with a business trainer. Classes are offered
Dayton’s Bluff Community Council
Emerge Community Development twice a year (spring and fall cycles) and are currently offered in five
Employment Action Center
Friendship Community Services, Inc. different languages (English, Hmong, Oromo, Somali and Spanish).
Hmong American Partnership
Hmong Chamber of Commerce
Hope Community, Inc. Classes are conducted in small group settings and are hosted by NDC’s
Latino Economic Development Center
Lutheran Social Services community-based partners―emphasizing the connections between the
MIGIZI Communications development of individuals and the development of the community.
Native American Community
Development Institute EMERGE GRADUATION
Northside Economic Opportunities Network
Northeast Community Development Corporation NDC’s Entrepreneur Training Program is specifically targeted to low-
Northside Residents Redevelopment Council income residents who do not have access to traditional sources of
Oromo Community of Minnesota
Powderhorn Phillips Cultural Wellness Center capital and who want to learn the skills to successfully start and operate
Riverview Economic Development Association
Selby Area Community Development Corporation a business. NDC provides scholarships to the majority of program
Seward Redesign, Inc. participants.
Sparc
NDC classes are taught by professional training consultants who utilize
TRAINERS an NDC-developed curriculum and focus on teaching participants the
Shahir Ahmed Lindsay Nauen
Jeff Alexander Phillip Porter fundamentals of operating a small business and creating a viable
Eduardo Barrera Bob Reed
Therese Baumann Mark Robinson business plan. NDC offers workshops on a variety of business related
Dave Bonko Edgardo Rodriquez
Barry Bonoff Linda Sapp topics.
Kari Emory Joanne Simons YOUNG DADS GRADUATION
Tony Genia Brian Singer
Lu Hang
Wendy Hines
Sai Thao
Romaine Turner
NDC’s ultimate goal is to develop the talent that exists within inner
Tarabi Jama Kin Kia Vang city communities and help emerging entrepreneurs create vibrant NDC TRAINING IMPACTS:
Michelle Jansen Teshite Wako
Grover Jones Dale White businesses that―by creating employment opportunities, providing During 2009, 203 entrepreneurs
Tara McCarthy Ronald Williams
Juliet Mitchell Candy York needed goods and services, offering role models, and establishing were trained through NDC’s
vibrant community gather places―contribute to the revitalization of Entrepreneur Training Program.
those communities.
5

7. Small Business Lending
Sm a ll Busine ss L e ndi n g
LENDING PARTNERS
Neighborhood Development Center fills a gap in the Twin Cities finance market by providing African Development Center
American Indian Economic Development Fund
access to credit for start-up and existing businesses that are unable to access traditional Latino Economic Development Center
Metropolitan Consortium of Community Developers
sources of capital. NDC provides financing of up to $50,000 with an average loan size of WomenVenture
$12,000.
NDC’s flexible individualized approach to lending involves working closely with entrepreneurs
to understand their business needs, their long-term plans to grow and improve their business,
and the risks associated with their request and strategies to mitigate those risks. NDC often
partners with private banks and other community lenders to help make loans more viable.
NDC is also open to evaluating requests which do not qualify for financing from other lenders.
NDC also offers Reba-Free (asset based) financing to meet the needs of the Twin Cities’ growing
Muslim community. NDC has received several awards for creating the first such financing
program in the nation.
Since 1993, NDC has financed more than 350 companies with more than $7.1 million.
According to a 2008 study by Wilder Research on the impact of NDC’s programs, of the
businesses helped by NDC, 21% had increased their number of employees and 56% had
increased their gross monthly revenues.
NDC LENDING IMPACTS:
During 2009, NDC financed 27 loans totaling $344,503.
NDC FLYER OFFERING LOANS TO
SMALL BUSINESSES
6

8. Small Business Consulting
Sm a ll Busine ss C onsulti n g
SMALL BUSINESS CONSULTING BUSINESS RESOURCE CENTERS (BRCs) 3. Computer Skills Assistance
Neighborhood Development Center understands that NDC launched its Business Resource Center initiative as a By appointment (occasionally walk-ins can be accommodated),
the most important component of an entrepreneur’s means of addressing the “digital divide” amongst business individualized small business assistance is available on a
education begins after they are open for business. NDC owners―a term which describes the gap in knowledge and variety of topics:
provides graduates of its programs with on-going support experience with computers and technology. • Basic computer and Internet skills
in the form of one-on-one business consulting to help • Web-based research (Industry analysis, target markets, etc)
Centers are operated by the BRC Supervisor and staffed • Preparing business plans with Business Plan Pro
guide them through operational difficulties and develop
by qualified college interns from a wide spectrum of study • Microsoft Office Suite (Word, Excel, PowerPoint, Publisher)
plans to strengthen and improve their businesses.
areas including urban development, marketing, business • Low- and No-Cost Marketing (Includes creation of business
We do this by providing access to professionals with development, graphic design, and more. BRCs provide cards, flyers, web-based marketing, online directories,
expertise in a variety of key business areas, including: entrepreneurs with the opportunity to receive one-on-one website building, etc.)
• Business Management training to build their computer skills.
• Recordkeeping and Accounting The goal of the Business Resource Centers is empowerment.
• Marketing NDC believes digital inclusion for low-income entrepreneurs
• Merchandising will allow them to develop their business in the most efficient
• Food Business Management and cost-effective way possible.
• Credit Counseling
• Pro-bono Legal Assistance
BRC SERVICES
• Language-Cultural Issues 1. Self Directed Use
• Referrals Entrepreneurs may use BRC computers to access the Internet
or do business-related work on their own. A printer and copier
The goal of NDC’s business consulting program is to is available for a fee.
ensure that emerging entrepreneurs receive the support 2. Small Business Consultation
they need to grow, develop and continue to be assets to BRC facilities are also used as work-stations for entrepreneurs
their communities. to meet for more advanced assistance from NDC consultants.
BRC INTERN ASSISTS CLIENT HAROLD FAJARDO
NDC CONSULTING IMPACTS: OF GAVIOTA CONSTRUCTION
In 2009, NDC provided more than 3,200 hours of small business consulting to 270 entrepreneurs.
BUSINESS Cooperative Mercado Central Eastside Financial Center Midtown Global Market Northside Economic Opportunity Rondo Community
1515 East Lake Street #208 Swedish Bank Building 920 East Lake Street (lower level) Network (NEON) Outreach Library
RESOURCE Minneapolis, MN 55407 965 Payne Avenue Minneapolis, MN 55407 1505 West Broadway Avenue 461 North Dale Street
CENTERS: 7
St. Paul, MN 55130 Minneapolis, MN 55411 St. Paul, MN 55103

9. Small Business Incubators
Sm a ll Busine ss Incubator s
REAL ESTATE NDC’s small business incubator Since 1993, NDC has redeveloped 5
PARTNERS program creates dynamic places for commercial properties (listed below).
Aurora Saint Anthony Neighborhood small businesses to grow and develop, Cumulatively these properties represent
Development Corporation
University/Dale while creating vibrant active places that over 120,000 sq. ft. of commercial
Model Cities of Saint Paul contribute to economic development and space and are home to over 110 small
University/Dale
revitalization of urban neighborhoods. businesses.
Greater Frogtown Community
Development Corporation
University/Dale
Working closely with community-based In partnership with 3 community-based
Episcopal Homes
University/Dale partners, NDC redevelops key commercial non-profits, NDC is also developing
East Side Neighborhood
locations within targeted neighborhoods, 11,000 square feet of new commercial
Development Company providing venues within which space in Frogtown Center at the north-
Old Swedish Bank MIDTOWN GLOBAL MARKET
entrepreneurs can become profitable. east corner of University Avenue and Dale AT EAST LAKE STREET & 10TH AVENUE S.
Cooperativa Mercado Central
Mercado Central These highly-visible renovated buildings Street in St. Paul.
Project for Pride in Living also serve as gathering places and
Mercado Central
inspire hope and confidence within the
Whittier Community
Development Corporation surrounding community. NDC promotes
Mercado Central
the success of entrepreneurs within
In the Heart of the Beast Theatre these incubators by providing tenants
Plaza Verde
Powderhorn Phillips
with a stable, affordable environment to
Cultural Wellness Center do business and by making its lending
Midtown Global Market
and business consulting service available
African Development Center
Midtown Global Market to all tenants.
OLD SWEDISH BANK BUILDING PLAZA VERDE
AT PAYNE AVENUE & CASE AVENUE NEAR EAST LAKE STREET
& BLOOMINGTON AVENUE
Frogtown Entrepreneur Center Old Swedish Bank Building Mercado Central Plaza Verde Midtown Global Market
INCUBATORS: 625 University and 501 North Dale 965 Payne Avenue 1515 East Lake Street 1516 East Lake Street 920 East Lake Street
St. Paul, MN 55104 St. Paul, MN 55130 Minneapolis, MN 55407 Minneapolis, MN 55407 Minneapolis, MN 55407 8

10. University Avenue
Un i v ersi t y Aven ue Busi nes s
P repa ration C oll ab orati v e ( u7 )
PARTNER
PROJECT SERVICES
ORGANIZATIONS
1. Results-Driven Marketing 5. Small Business Workshops The following organizations--in partnership with
Free one-on-one business marketing Many business topics available for free the neighborhoods and business owners along
the corridor--comprise the University Avenue
and communications consulting. at Rondo Community Library, including Business Preparation Collaborative (U7):
2. On-Site Business Consulting but not limited to:
African Economic Development Solutions
Professional specialists in all business • Marketing (accounting, marketing, (AED Solutions)
Aurora/St. Anthony Neighborhood
areas, with a focus on financial health branding, online advertising) Development Center (ASANDC)
consultations. • Website development Greater Frogtown Community
Development Corporation (GFCDC)
3. Business Resource Center and • Demographic analysis Hmong Chamber of Commerce
Business Planning Center • Recordkeeping Metropolitan Consortium of Community
Developers (MCCD)
Computer access, free consulting • Website development Neighborhood Development Center (NDC)
Selby Avenue Community Development
services and information on all • Cash flow projection Corporation (SACDC)
In January 2009, a group of eight community business-related issues at the Rondo • A new workshop titled “Survive Sparc
based nonprofits formed the University Avenue Community Library and the SBC LRT - A Ten Step Guide”
Business Preparation Collaborative—which Business Planning Center (near Hwy. 6. Financing STAFF
has since come to be known as “U7”—to help 280). Working capital (5.5%) interest rate, Mike Temali
existing small businesses on University Avenue 4. Grants business expansion and real estate NDC President & CEO
in St. Paul prepare to survive the construction Marketing and façade improvement financing.
Isabel Chanslor
of the Central Corridor Light Rail Line and thrive grants. U7 Project Manager
after its completion. Miguel Jongewaard
NDC Loan Officer/Business Advisor
and U7 Small Business Consultant
NDC is the host organization for this
collaborative effort that is focused on Steve Olson
NDC/U7 Lead Graphic Designer
strengthening management and marketing
Marilyn Porter
capacity. Small Business Consultant,
LEFT TO RIGHT: employed with ASANDC
MARILYN PORTER,
MIGUEL JONGEWAARD, Sia Lo
Small Business Consultant,
ISABEL CHANSLOR,
employed with GFCDC
SIA LO & STEVE OLSON
9

11. Financial Statement
Fi nancial State me nt
CONSOLIDATED STATEMENT OF FINANCIAL POSITION (DECEMBER 31, 2009) FINANCIAL SUPPORTERS
Key Government Partners
Assets Liabilities and Net Assets City of Minneapolis
Cash and cash equivalents $1,767,220 Liabilities City of Saint Paul
Community Development Financial Institution Board
Contributions and other receivables $929,963 Payables and other accruals $894,416 Hennepin County Library
Loan receivables, net of allowance for loan losses $3,432,547 Notes payable $17,034,382 Minneapolis Empowerment Zone
Rental properties and equipment, net $13,819,583 Total Liabilities $17,928,789 Rondo Community Outreach Library
Other assets $409,331 U.S. Small Business Administration
Office of Community Services
Net Assets Saint Paul Port Authority
Unrestricted net assets $1,462,346 State of Minnesota
Temporarily restricted net assets $967,500
Total Net Assets Corporate and Foundation
$2,429,846 Allina Health System
Campbell Foundation
Total Assets $20,358,644 Total Liabilities and Net Assets $20,358,644 Deluxe Corporation Foundation
F.R. Bigelow Foundation
General Mills Foundation
CONSOLIDATED STATEMENT OF ACTIVITIES (DECEMBER 31, 2009) H.E. & Helen Warren Foundation
Heron Foundation
1% Marbrook Foundation
Marquette Financial Companies
Minneapolis Foundation
45% 14% Nexus Community Partners
Piper Jaffray & Co.
RBC Dain Rauscher Foundation
Securian Foundation
34% The Fredrikson & Byron Foundation
7% The Jay & Rose Phillips Family Foundation
The McKnight Foundation
The Saint Paul Foundation
Travelers Foundation
US Bancorp Foundation
10% Valspar Foundation
Wells Fargo Foundation Minnesota
20% Western Bank
19%
Individuals
8% Alicia Cordes Kathy Moriarty
Tim Boberg Erik Takeshita
Leila Poullada Elizabeth George
16% 26% Greg & Janice Dames Earlsworth Letang
Pamel Wandzel Anthony Genia
James LaFave Paul Ginger
Paul Engh JoAnna Hicks
Revenues & Support Expenses Anthony Leonel Lemaire Edward Padilla
Steve Erdall Susan Roe
Grants and Contributions — $2,203,329 Incubator Program — $1,514,457 Management & General — $320,616 Michael Christenson Brian Singer
Julie Sands Causey Mihailo Temali
Incubator Rent — $940,462 Incubator Operations — $1,184,283 Lending — $641,754 A. William Sands Daniel Flicek
Earned Income — $801,253 Jeff Alexander Missy Thompson
Microentrepreneur Training — $371,133 Fundraising — $38,658 Marcus Weiss
Avan Suguelle
Government Grants — $1,004,047 Technical Assistance — $428,485 Luke Weisberg Kate Barr
Samir Saikali Mike LaFave
Notes: (1) The financial statements recognize revenue for pledged contributions as per statement of FAS #116. There were multi-year grants that were recognized in prior years. We continued to fulfill program Bonita Martin Arvid Povilaitis
Cristina Edelstein Emily Maltz
commitments with restricted funds received in previous years. (2) The financial statements are the consolidation of subsidiaries including Frogtown Entrepreneur Center, LLC; Mercado Vista, LLC (Plaza Verde);
NDC REDI, LLC; NDC REDI II, LLC and NCS, LLC (Midtown Global Market). (3) Incubator operation subsidy and NDC overhead contributed. Ben Goldfarb 10

12. 663 University Avenue, Suite 200
Saint Paul, MN 55104
Phone: 651-291-2480
Fax: 651-291-2597
www.ndc-mn.org
Building Neighborhoood
Bu ildi ng Ne igh b orh o od
EconomiesFrom Within
E c onomie s From Wi th i n
Coordination by: Design by:
Kathy Moriarty kmoriarty@ndc-mn.org Rachel A. Carlson
Maren Misner mmisner@ndc-mn.org design@rachelanncarlson.com