Nimiipuu Community Development Fund

Part 2 of 2 of the Cost Reimbursable Requirements Series includes Audits Under the SBIR/STTR Program
2024-06-05 11:00 - 13:00 (America/Los_Angeles)
Your local APEX Accelerator and the National APEX Accelerator Alliance (NAPEX) are excited to announce the upcoming DCAA Cost Reimbursable Requirements Series. Part 2 of 2 of the Cost Reimbursable Requirements Series includes Audits Under the SBIR/STTR Programs from a DCAA Perspective and Accounting System Requirements.
Each year, over 5,000 contracts totaling well over $3.2 billion are awarded for SBIR/STTR programs. Learn more about these programs and how your company may benefit from these types of contract awards. DCAA will define its role, outline DCAA audits applicable to SBIR/STTR, explain ways small businesses can prepare for audits, and discuss resources available for small businesses.
Prior to being awarded a cost-reimbursable contract, federal government contractors need to ensure their accounting system is adequate for determining costs applicable to federal contracts. This is accomplished when DCAA conducts a Pre-Award Accounting System Audit at the request of a federal agency. During this training, DCAA will discuss the federal regulations that define an acceptable accounting system, evaluate the minimum requirements of the SF 1408 criteria, and how small businesses can prepare for this type of audit. Experts from DCAA will differentiate between direct versus indirect costs, define total contract costs, provide an overview of indirect allocation bases, and learn how FAR Part 31 clauses describe allowability, allocability, and reasonableness.

Introduction to Investing: Financial Literacy with Eddie Torres
2024-05-31 13:00 - 14:00
At IDRS Acorn Project, we’ve said for a long time that you cannot have your business’s financial house in order if your personal financial house is not in order. Is your financial house organized? Even if you’re good, there always new tips and techniques that can help set you up for a better tomorrow. We are so honored to have financial expert, Eddie Torres, back for a five part workshop series to cover your whole financial life.
This webinar series will consist of five webinars. When you register for one webinar, you will be registered for the other four as well. Here are the webinars in the series:

Credit Management: Learn the five C’s of Credit and How Scores Are Calculated, May 10th – Click here for Recording
Introduction to Investing, May 31st
Tax Preparation 101 Workshop, June 21st
Understanding your Retirement Planning Options, July 12th
The Purpose of Budgeting and Saving, August 9th

NW Native CDFI Summit & Gala
2024-05-29 - 2024-05-30
Join Northwest Native Development Fund in creating space to join other Native CDFI practitioners to discuss important internal challenges and successes, as well as network and meet new faces. The second evening will celebrate NNDF’s Small Business Awards at the Native Business Awards Gala and Auction. Special rates available at the CDA Casino hotel. Call 800-523-2464 and use block rate name “NW Native CDFI Summit” or booking ID “12150”.

Financial Management
2024-05-28 17:30 - 2024-05-29 19:30
While having a fantastic product and top-notch marketing is essential, it’s equally crucial to understand your financial health. Without the knowledge of budgeting, recordkeeping, and accurate cash flows, your business could face uncertainty. This workshop will help you learn to craft a solid startup budget, forecast cash flows, and expertly analyze your break-even point. In the workshop we’ll not only discuss the budgeting process but we’ll use IDRS’ Cash Flow projection tool to develop a budget that you can use to manage your business. You will learn how to estimate sales and expenses and where you can go to get information that you can use in creating your budget. And because creating a budget is an important planning tool for both business and the family, the principles in this workshop will be helpful for creating a family budget too.

Credit Score Management for Small Business
2024-05-28 12:00 - 13:00 | Nez Perce Tribe Boards and Commissions Building, 210 A Street, Lapwai, Idaho
Join us for an informative session designed to empower small business owners with the knowledge to effectively manage and improve their credit scores. This workshop will cover essential topics including understanding credit scores, practical tips for maintaining a healthy score, and strategies to enhance your business’s financial credibility.

The Nez Perce Tribal Department of Fisheries is Seeking Construction Bids
2024-05-27 - 2024-06-14
Proposals Due June 14, 2024
The Nez Perce Tribal Department of Fisheries, Harvest Division is seeking written bids from qualified businesses to construct a 20 x 30 pole barn in Lapwai, Idaho (83540) for the Fish Buy Initiative. The project includes constructing the pole barn, laying a concrete slab, managing the ground, and coordinating plumbing and electrical installations. Bids should provide a step-by-step construction plan, including building materials, land management, concrete flooring, and installation of utilities. Proposals must be submitted electronically in PDF format by 4:30 p.m. PST on June 14th, 2024, and the pole barn must be completed as soon as possible. Site preparation will be coordinated with Sam Greene. For a site visit or more information, contact Sam Greene at (208) 413-4226 or samg@nezperce.org.

Estate Planning Workshop
2024-05-23 17:30 - 19:00 | Clearwater River Casino Event Center, 17500 Nez Perce Road, Lewiston, ID, 83501
Join us for a complimentary dinner at our workshop exclusively for Nez Perce Tribal members. Discover the opportunity to collaborate with a Legal Intern this summer to draft, finalize, and sign your Last Will & Testament. Gain valuable insights on preparing for your consultation with the Legal Intern. Remember, your will is only legally binding once signed by you and notarized. To register, contact Heewekse Wisdom at heewekse@nimiipuufund.org or (208) 621-4847.

Ways to Take Payment
2024-05-23 16:00 - 17:00
Taking payment seems simple. Somebody gives you cash and you give them the product. But what happens when cash isn’t an option? Are you able to take payment from debit and credit cards, or even through payment apps like Venmo? Join us for an insightful webinar where we’ll explore a variety of payment methods and highlight potential pitfalls to avoid. And we’re excited to be joined by Felix Earle, a Navajo farmer and jewelry maker, as he shares his firsthand experiences with these technologies in the real world. This is the second in a series of workshops helping improve the operations of your small farm business.

Steps to Starting an Art Business
2024-05-17 12:00 - 14:00
Starting a business involves planning, making key financial decisions, and completing a series of legal activities. This short workshop will introduce you to starting your own art business by going over the 10 steps you need to do, including licenses and permits, registering your business and more. Practical, down-to-earth information with a Q&A time.

Environmental Protection Agency (EPA) SBIR/STTR Program
2024-05-15 11:00 - 12:00
In this class, you’ll learn about how the EPA SBIR/STTR programs support small businesses in developing innovative solutions to environmental challenges. Whether you’re a startup, entrepreneur, or researcher, this session will provide valuable insights into the funding opportunities available through these programs.

2024 HHS & DOI Buy Indian Small Business Industry Day
2024-05-15 - 2024-05-16
In collaboration with the Department of Health and Human Services (HHS), Office of Small Disadvantaged Business Utilization (OSDBU), the Department of the Interior (DOI) OSDBU and the Bureau of Indian Affairs (BIA), the Indian Health Service will co-host and participate in the inaugural Buy Indian Native American Small Business Industry Day Event, scheduled for May 15, 2024. The event will bring HHS and DOI leadership, contracting and program officials together to promote the Buy Indian Act and successfully connect Native American owned small businesses with HHS and DOI federal contract and program staff.
The HHS/DOI Buy Indian Small Business Industry Day is scheduled for May 15, 2024 at Gateway Community College located in Phoenix, AZ. The main event will begin at 9:00 AM and end at 12:00 PM (PT).
Following the main event on Wednesday, May 15, 2024, there will be an in-person Federal Agency Marketplace/Trade Show from 12:00 PM – 2:00PM (PT). The purpose of this marketplace is to provide an opportunity for Native American and Tribally owned small businesses to network and engage directly with contracting and program officials from HHS and DOI departments.
On Thursday, May 16, 2024 from 8:00 AM to 8:00 PM (ET), there will be an HHS/DOI Buy Indian Native American Small Business Industry Day Virtual Matchmaking Session. The purpose of these virtual matchmaking sessions is to provide an opportunity for Native American and Tribally owned businesses to meet directly with contracting and program officials from HHS and DOI departments.
Registration Links for each event:
Industry Day (Wednesday, May 15 9 – 12PM PT)
Marketplace (Wednesday, May 15 12 – 2PM PT)
https://bit.ly/48YdtzE
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Virtual Matchmaking Session (Thursday, May 16 8AM – 8PM ET)
https://mbmapp.com/event/buyindianindustryday2024

Airbnb Entrepreneurship Academy
2024-05-09 13:00 - 14:00
What is the Airbnb Entrepreneurship Academy?
The Academy gives tourism entrepreneurs skills, practical tools and support to become Hosts on Airbnb and earn extra money. The program includes introductory information on the Airbnb platform, hosting best practices, and how to get started.
What are open office hours?
Open Office Hours are a live Q&A with Airbnb Superhost Ambassadors to get one-off questions answered on the spot. Often, participants will benefit from hearing other people’s questions answered, as it may be something they have not thought of yet.
Should I register?
Do you want to become a Host on Airbnb and earn extra money sharing your space or expertise? Registration is open to individuals in the US who have started their hosting journey and have questions. Our friendly Superhost Ambassador Katelyn is here to help you!
Meet your Superhost Ambassador, Katelyn
My mission has always been to connect people through creative spaces. I had the opportunity to interact with and entertain over 1,000 guests from all over the world at the 10 rental properties I designed and managed. I then worked as a Host Advisor for the Airbnb Plus program, assisting Superhosts through the onboarding process.
Most of my energy today is focused on helping new hosts succeed, by providing resources and connections, one-on-one consultations & webinars.
My educational background is in Communications and Sociology and, prior to my Airbnb life, I was a Brand Strategist for a social marketing agency. I’ve also dabbled in Tour Management and large scale event production.

Trade Talks: SBA's Export Finance Programs
2024-05-05 11:00 - 12:00
May 15, 2024 | 11 am
This initiative empowers participants with comprehensive insights into SBA’s suite of export finance programs, including export working capital loans, export express loans, and international trade loans. By understanding the eligibility criteria, application process, and benefits of these programs, Indigenous business owners gain access to essential financial resources to support their global expansion endeavors. Moreover, the class provides invaluable guidance on leveraging SBA’s resources to mitigate risks, navigate regulatory requirements, and capitalize on emerging export opportunities.

Capture the Benefits of the SBA HUBZone Certification
2024-05-03 09:00
If your business one of the 33,000+ in Idaho located in a HUBZone, then register now! The SBA HUBZone Certification allows you to bid on federal contracts set aside specifically for those certified companies. Bidding as a HUBZone-certified company allows for less competition and offers a possible price preference in your favor. Join us as we explain the WHY and HOW to obtain the SBA HUBZone Certification.

Airbnb Entrepreneurship Academy Open Office Hours
2024-05-02 13:00 - 14:00

Native Artist Popup Shop Event
2024-05-02 09:00 - 2024-05-03 14:00 | Pi-Nee-Waus Community Center, 504 Main St S, Lapwai, ID, 83540, United States
Nimiipuu Fund is excited to announce an exceptional opportunity for Native artists to showcase their talents at our upcoming popup shop event. We are actively seeking indigenous artisans who are passionate about sharing their craft and cultural heritage with our community. This event serves as a platform for artists to display and sell their unique creations, ranging from traditional crafts to contemporary artwork. We encourage all interested artists to reserve their booth space. Refer questions to Heewekse Wisdom, Programs Officer, at (208)621-4847 or heewekse@nimiipuufund.org.
Participating Vendors
C&C Threads & Beadwork: Beadwork, Ribbon skirts, Necklaces
Nchiwana: Sublimated Apparel
Nez Perce Traditions Gift Shop: Retail Items as Sweatshirts, Shirts, Beadwork and Jewelry
Nii Mii Puu Arts & Crafts: Necklaces, Earrings, and Native Crafts
Thunder Valley Art & Craft: Art & Craft Items
Cat Creations: Slime & Cloud Dough
MorningStar Creations: Shirts, Mugs & Earrings
FiveThunders Artistry: Handcrafted Beaded Items, Medallions, Earrings, Wristlets, Keychains
Bison Beading Co.: Handmade Beaded Jewelry and Accessories, Car Freshies
Lololou Creations: Beadwork Crafts
Loraine Harris: Regalia, Ribbon Skirts, Handcrafted Items
Jenny Blackeagle: Handmade Beaded Jewelry
Webb Rose Photography: Photography Services
Mcfarland Enterprise: Beaded Items, Quilts, Baby Baskets, Crocheted Items, Crock Pot Soups (food certificate)

Make Money: Creating an Impactful Capability Statement
2024-05-02 09:00 - 10:00
Success in the federal marketplace doesn’t happen by accident! Join us as we share tips, tricks, and insight on creating an impactful Capability Statement for your company’s marketing strategy. Let’s get your business seen by buyers and build the relationships needed to win agreements and contracts.

Incurred Cost Submissions: Contract Briefs
2024-05-01 11:00 - 12:00
At the end of a defined accounting period, federal government contractors must submit actual costs incurred to DCAA. The intention of this process is for DCAA to review costs claimed to ensure they are allowable, allocable, and reasonable per FAR 31, as well as within the terms of their respective contracts. DCAA will discuss requirements for the annual submission and what DCAA considers to be elements of an adequate submission. This training provides an overview of the DCAA Incurred Cost Electronic (ICE) model, which provides contractors with a standard user-friendly package to compile their financial data. DCAA will also discuss its adequacy review process and means of how they select submissions for audit.

Idaho Rural Success Summit
2024-05-01 - 2024-05-02
The Idaho Rural Success Summit, held annually across Idaho’s rural landscapes, is a dedicated day-and-a-half event designed by and for the thriving rural communities of Idaho.
Our mission at the Idaho Rural Success Summit is to unite and educate key rural stakeholders, community members, and businesses. Through engaging presentations, insightful panels, and valuable networking sessions, we aim to empower participants with the knowledge and tools necessary for success.
This event serves as a platform to exchange success stories and share essential resources, fostering an environment where Idaho’s rural communities and businesses can not only survive but truly flourish.
Group rate is available at Shoshone Bannock Hotel for a limited number of rooms. You must book by March 31 to receive group rate discount. $129/night; $107/night with government ID. To reserve your room call guest services and mention booking ID #11601 and be sure to ask for the “Idaho Rural Success Summit” rate.

Post Purchase Class
2024-04-30 17:00 - 19:00 | Lapwai, Lapwai
Homeowners facing financial challenges often find themselves in the need to recalibrate their budgets, revisit savings strategies, and address rehabilitation improvements and ongoing maintenance. The intricacies of avoiding foreclosure become a focal point, prompting individuals to consider whether refinancing is a prudent option. Navigating these aspects requires a thoughtful and informed approach to ensure the longevity and stability of homeownership. RSVP with Sonya at 843-2229 or e-mail sonyas@ nezperce.org.

Celebrating Women Grant Opportunity
2024-04-30 - 2024-05-14
We’re excited to present the BMO Celebrating Women Grant Program in collaboration with Deloitte. Fifteen women-owned businesses will receive a $10,000 grant to take their businesses to the next level. We’re looking for women business owners who are motivated by growth and change and are excited to break barriers to achieve success. We recognize that access to funding and capital is a challenge that women business owners often face. BMO is committed to investing in and supporting women-owned businesses and has honored over 236 women since 2012. The BMO Celebrating Women Grant Program will assess applicants based on their high-level business growth plans. Any type of business growth will be considered whether expanding into a new market or creating a new product/service. To be eligible for the BMO Celebrating Women Grant Program, you’ll need to show us your high-level overview of your business growth strategy. You’ll also need to meet specific eligibility criteria as an applicant and business.
Criteria for applicants:

You’re the owner of a business

You’re a resident of the U.S.

You’ve reached the legal age of majority in the state where your business resides

Criteria for businesses:

Must be at least 51% owned or controlled by women or by individuals who self-identify as women

Currently active and operating in the U.S. and in accordance with all applicable laws, licenses and regulations

Has a physical location (or a mailing address for their headquarters) in Arizona, California, Colorado, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan*, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas*, Utah, Washington, Wisconsin, Wyoming. *Businesses located in Michigan or Texas must be within 100 miles of a BMO full-service retail branch.

Must be a for-profit business with annual revenues of $5 million USD or less

In good standing and operating in the state in which the business is registered

In operation selling a product or service for at least two years as of April 1, 2024

For full eligibility details for the 2024 Grant Program, see the Official Terms and Conditions.

Information to include in your application:
Applications open on April 30, 2024. Here’s what you need to do to apply to the grant program:

Provide basic information about you (the business owner) and your business

Answer a series of short questions about your business growth goals

If you are selected to move forward to round 2, upload a short video of you explaining why business growth is important to you, what your personal motivation is and why you are passionate about this growth goal.

When to apply:
The application portal opens on April 30, 2024 at 8:00 a.m. EST, and closes on May 14, 2024 at 8:00 p.m. EST. You only need to submit ONE application.

How to apply:
We’ve made the application process quick and easy. When you’re ready to start your application, you’ll be directed to the secure platform SurveyMonkey. You’ll need to fill out an application and provide information about your business. When you’ve completed your application, please double-check that you’ve included all relevant information, then submit your application to SurveyMonkey for review.
Key dates:

Application window opens: April 30, 2024 at 8:00 a.m. EST
Application window closes: May 14, 2024 at 8:00 p.m. EST
Early June: Semi-finalists notified.
Late July: Finalists notified.
Late August: Grant recipients notified.
Late September: Grant recipients announced.

National Small Business Week
2024-04-28 - 2024-05-04
For more than 60 years, the U.S. Small Business Administration (SBA) has celebrated National Small Business Week, which acknowledges the critical contributions of America’s entrepreneurs and small business owners. This year, National Small Business Week takes place April 28 – May 4, 2024, and is when SBA officially recognizes their hard work, ingenuity, and dedication, including their contributions to the economy.
National Small Business Week also includes a FREE virtual summit from April 30-May 1 for new and existing business owners. Learn new business strategies, meet other business owners and chat with industry experts. This year’s summit will include educational workshops on the following topics:

Accelerate Business Growth with the Help of AI (presented by Visa)
Securing Your Small Business in a Work-From-Anywhere World(presented by T-Mobile)
Learn About the No-Cost SBA T.H.R.I.V.E Educational Program(presented by SBA)
Unlock AI’s Potential for Your Small Business (presented by Grow with Google)
Building a Foundation for Online Marketing Success: Review, Plan, and Execute (presented by Constant Contact)
Leveraging E-Commerce to Scale Your Business (presented by Amazon)
How to Start a Food Truck Business: A Step-by-Step Guide (presented by SCORE)
8 Practical Skills to Run a Successful Business (presented by Visa)
Small Business Strategies for Collaboration and Productivity(presented by T-Mobile)
Navigating Your Cash Flow (presented by Chase for Business)
How to Turn Your Side Hustle into a Business & Securing Your First Loan (presented by NerdWallet)
Future of Commerce 2024 (presented by Square)
My SBA (presented by SBA)
How to Write a Grant Proposal for Your Business (presented by SCORE)

In between sessions, explore free resources, take advantage of no-cost mentoring, make new connections, and get inspired by small business success stories.
As part of National Small Business Week, the IRS is highlighting tax benefits and resources to help small businesses. Small businesses should make the Small Business and Self-Employed Tax Center their first stop for finding just about everything they need to meet their federal tax obligations. Whether they are self-employed, an independent contractor, a gig worker or a business with employees, the site provides in-depth information, tools and helpful educational resources. The IRS.gov small business pages map out the entire life cycle of a business and its tax implications. Sections include:

Starting a business: Basic federal tax information for anyone starting a business, as well as a checklist to assist in making basic business decisions.
Business structures: Help in choosing a business entity because that choice determines which tax forms need to be filed.
Operating a business: Tools and tips on how to quickly get an Employer Identification Number (the tax ID number that most businesses need to file and pay their taxes), keep good records and file and pay taxes.
Closing a business: Help navigating the closure of a business from a federal tax perspective; how to take care of employees, which forms to file, which records to keep and what tax related moves need to happen before shutting down.

Entrepreneur Success Story: InspiredNatives
2024-04-24 12:00 - 13:00
On the webinar, Sarah will discuss how skills passed down from her mother and newer techniques learned from YouTube helped to develop her style and how she was able to create a business shortly after she really focused on creating.

Trade Talks: Exim Bank
2024-04-24 11:00 - 12:00
April 24, 2024 | 11 am
Export-Import Bank of the United States (Exim Bank) is a cornerstone for Indigenous entrepreneurs seeking to navigate the intricacies of international trade. This program equips participants with a comprehensive understanding of Exim Bank’s vital role in facilitating export opportunities, providing crucial financial assistance, and mitigating commercial risks for businesses venturing into global markets. By delving into Exim Bank’s array of services, such as export credit insurance, working capital guarantees, and loan guarantees, Indigenous business owners gain the knowledge and tools necessary to expand their enterprises globally with confidence.

Money Basics
2024-04-23 16:00 - 2024-04-25 19:00 | Kamiah, Kamiah
Embark on a financial reset and seize command of your finances. Acquire essential knowledge about checking and savings accounts, unravel the intricacies of credit, enhance your credit report, and grasp the dynamics of loan rates, terms, and fees. Arm yourself against predatory lenders and discover ways we can collectively contribute to our local economy. Feel motivated to monitor, evaluate, and save money effectively. It’s time to empower yourself financially. RSVP with Sonya at 843-2229 or e-mail sonyas@ nezperce.org.

Creating a Capture Plan for a Small Business in the Government Marketplace
2024-04-16 10:00 - 12:00
Capture planning is a critical process that involves identifying opportunities, evaluating the landscape, and implementing effective strategies to secure a specific business opportunity. While there is abundant information on capture planning, much of it is tailored toward large organizations with substantial human resources and established government contracts.
This webinar focuses on how small businesses, despite their limited resources, can utilize capture planning to improve their success rates in winning government contracts before the solicitation phase begins. You will learn why it is important to develop and execute a capture plan and how to align it with your proposal to maximize your chances of success.

Money Smart for Your Small Business with SBA
2024-04-15 - 2024-04-29
Money Smart for Small Business
Money Smart for Small Business is a financial education series developed jointly by the U.S. Small Business Administration (SBA) and Federal Deposit Insurance Corporation (FDIC).

Monday April 15 (10 a.m.) | Planning for a Healthy Business
The more you plan, the more informed you can be, which in turn helps you focus your priorities and make great decisions in the process. Topics will include planning for startup costs, understanding your credit score, importance of an overall business plan and a day-to-day action plan for running a business.

Friday April 19 (10 a.m.) | Financial Management
Effective financial management gives you tools to chart your course into the future, adjust your direction when needed, and help you find your way through challenging times. When your business growth requires financing with loans, sound financial management provides the information to determine the borrowing capacity of your business.

Friday April 19 (1 p.m.) | Record Keeping
The success of your business depends on creating and maintaining an effective record system, whether your business is a sole proprietorship, partnership, or corporation. Whether simple or complex, a record keeping system must be easy to use and provide adequate storage and retrieval of records.

Monday April 29 | Selling Your Business and Succession Planning
While many businesses run for years, even over several generations, businesses do open and close all the time. When the time comes, it is essential to know how to assess the value of a business, determine whether a business should be sold, and understand the overall process.

The Purpose of Budgeting & Saving​
2024-04-12 13:00 - 14:00
At IDRS Acorn Project, we’ve said for a long time that you cannot have your business’s financial house in order if your personal financial house is not in order. Is your financial house organized? Even if you’re good, there always new tips and techniques that can help set you up for a better tomorrow. We are so honored to have financial expert, Eddie Torres, back for a five part workshop series to cover your whole financial life.
This webinar series will consist of five webinars. When you register for one webinar, you will be registered for the other four as well. Here are the webinars in the series:

The Purpose of Budgeting and Saving, April 12th
Credit Management: Learn the five C’s of Credit and How Scores Are Calculated, May 10th
Introduction to Investing, May 31st
Tax Preparation 101 Workshop, June 21st
Understanding your Retirement Planning Options, July 12th

Beginning Recordkeeping for Small Farm Enterprises
2024-04-11 16:00 - 17:00
Recordkeeping is important for all businesses, especially farms. Keeping good “books” will help you better plan your business in the future and allow you to accurately report on your activities whether that is to the tax man or the bank for a loan. In this webinar, we’ll discuss the importance of recordkeeping, some simple methods of how to keep good records, and the types of information that are most important for you to keep.

Trade Talks: USDA Export Credit Guarantee
2024-04-10 11:00 - 12:00
April 10, 2024 | 11 am
Through this program, participants gain insights into the complexities of international trade and learn how export credit guarantees can mitigate risks associated with cross-border transactions. By understanding the nuances of securing payment and managing potential defaults, Indigenous business owners can expand their reach while safeguarding their interests. This initiative not only fosters economic empowerment within Indigenous communities but also strengthens their presence in the global marketplace, paving the way for sustainable growth and prosperity.
