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	<title>Wade Rathke: Chief Organizer Blog &#187; Hurricane Katrina</title>
	<atom:link href="http://chieforganizer.org/tag/hurricane-katrina/feed/" rel="self" type="application/rss+xml" />
	<link>http://chieforganizer.org</link>
	<description>Founder of ACORN, Chief Organizer at ACORN International, Author of Citizen Wealth.</description>
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		<title>Force-placed Insurance and Me</title>
		<link>http://chieforganizer.org/2012/01/22/force-placed-insurance-and-me/</link>
		<comments>http://chieforganizer.org/2012/01/22/force-placed-insurance-and-me/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 16:14:43 +0000</pubDate>
		<dc:creator>Mariehurt</dc:creator>
				<category><![CDATA[Ideas and Issues]]></category>
		<category><![CDATA[Personal Writings]]></category>
		<category><![CDATA[Benjamin Lawsky]]></category>
		<category><![CDATA[Big Branch National Wildlife Refuge]]></category>
		<category><![CDATA[CitiMortgage]]></category>
		<category><![CDATA[forced-placed insurance]]></category>
		<category><![CDATA[Gretchen Morgenson]]></category>
		<category><![CDATA[Hurricane Katrina]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Mark Rodgers]]></category>

		<guid isPermaLink="false">http://chieforganizer.org/?p=6047</guid>
		<description><![CDATA[<p>New Orleans  I find no joy in reading about forced-placed insurance, but I take great satisfaction in seeing the farce and fraud of such anti-consumer insurance coming to light.  Quoting Benjamin Lawsky, superintendent of Financial Services from Gretchen Morgenson’s “Fair Game” column in the Times,</p>
<p>Force-placed insurance appears to be the dirty little secret of the mortgage [...]]]></description>
			<content:encoded><![CDATA[<p><em><a href="http://chieforganizer.org/2012/01/22/force-placed-insurance-and-me/olympus-digital-camera-4/" rel="attachment wp-att-6058"><img class="alignleft size-thumbnail wp-image-6058" title="Fishing Camp" src="http://chieforganizer.org/wp-content/uploads/2012/01/P10100081-150x150.jpg" alt="" width="150" height="150" /></a>New Orleans  </em>I find no joy in reading about forced-placed insurance, but I take great satisfaction in seeing the farce and fraud of such anti-consumer insurance coming to light.  Quoting Benjamin Lawsky, superintendent of Financial Services from Gretchen Morgenson’s “Fair Game” column in the <em>Times,</em></p>
<blockquote><p>Force-placed insurance appears to be the dirty little secret of the mortgage industry.  It is a silent killer harming both consumer and investors while enriching the banks and their affiliates.</p></blockquote>
<p>I was particularly drawn to the comments of Mark Rodgers who was flaking for CitiMortgage and claimed,</p>
<blockquote><p>CitiMortgage does not sell homeowner’s insurance to consumers.  If a homeowner does not provide an insurance policy, CitiMortgage secures a policy to protect the interest of the investor.  Whenever the homeowner submits proof they have obtained insurance on their own, the lender-placed insurance is canceled.</p></blockquote>
<p>Makes it all seem simple and straightforward doesn’t it?  Well, reality with CitiMortgage, not surprisingly is a whole different thing!</p>
<p>Unfortunately, I know because we owned a small, beaten up and dearly loved fishing camp in the marsh and bayou abutting the Big Branch National Wildlife Refuge just 35 minutes from our home in the 9<sup>th</sup> Ward of New Orleans.  We still own 2 acres of marsh with some protruding pilings there and hopes and dreams for the future some day, but for now it is a fond memory of life before Hurricane Katrina six years ago.  I think of the camp every month as I pay CitiMortgage for the memory and what is left of the place.  These days that is a simple process of them sending me a notice and me trying to get them a check, but thanks to force-placed insurance that was not always so.</p>
<p>Even after Katrina, I never missed a payment on the camp, but within months I started having problems with CitiMortgage that continued annually for quite a spell.  First they imposed homeowners insurance on the camp at great cost, even though any notion of a “home” had been flooded and flown to smithereens.  I would call and explain Katrina, and they would insist on more and more documentation for me to prove that there was no longer a structure on the property.  After months of payments and contention they would temporarily yield, issue a refund, and then it would start up again the next year.</p>
<p>And, then they would demand and force-place flood insurance.  No small amount of irony here, since flood insurance wasn’t available on the camp <strong><em>before </em></strong>the storm, much less after the storm.  Either way, there was nothing left to flood.</p>
<p>I almost wished that Citi had sold homeowner’s insurance, because at least I would have gotten kissed first.  They would have at least had to ask before they demanded, assessed and coerced the payments from me, rubbing raw the open sores of already deep discontent in the wake of the loss.</p>
<p>They have a scheme around insurance, but they have no system.</p>
<p>This “dirty little secret” needs to not only be exposed, but solved!<a href="http://chieforganizer.org/2012/01/22/force-placed-insurance-and-me/olympus-digital-camera-3/" rel="attachment wp-att-6049"><img class="alignleft size-thumbnail wp-image-6049" title="Fishing Camp2" src="http://chieforganizer.org/wp-content/uploads/2012/01/P1010007-150x150.jpg" alt="" width="150" height="150" /></a></p>
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		<title>Changing the Paradigm on Resources for Organizing</title>
		<link>http://chieforganizer.org/2011/08/30/changing-the-paradigm-on-resources-for-organizing/</link>
		<comments>http://chieforganizer.org/2011/08/30/changing-the-paradigm-on-resources-for-organizing/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 14:29:22 +0000</pubDate>
		<dc:creator>dine</dc:creator>
				<category><![CDATA[ACORN]]></category>
		<category><![CDATA[Coffee]]></category>
		<category><![CDATA[Fair Grinds Coffeehouse]]></category>
		<category><![CDATA[fair trade coffee]]></category>
		<category><![CDATA[Hurricane Katrina]]></category>
		<category><![CDATA[The Battle for the Ninth Ward]]></category>
		<category><![CDATA[Wade Rathke]]></category>

		<guid isPermaLink="false">http://chieforganizer.org/?p=5295</guid>
		<description><![CDATA[
<p> New Orleans I will talk about this a lot more, and I’ve been talking about this a lot before, but the article in Sunday’s Times-Picayune is a flashing neon sign that I’m going “all in” on a number of bets that recognize that we have to change the paradigm of resources to organizing domestically [...]]]></description>
			<content:encoded><![CDATA[<blockquote></blockquote>
<p><em> <img class="alignleft size-medium wp-image-5296" title="Wade at Fairgrinds" src="http://chieforganizer.org/wp-content/uploads/2011/08/Wade-at-Fairgrinds-199x300.jpg" alt="Wade at Fairgrinds" width="199" height="300" />New Orleans </em>I will talk about this a lot more, and I’ve been talking about this a lot before, but the article in Sunday’s <em>Times-Picayune</em> is a flashing neon sign that I’m going “all in” on a number of bets that recognize that we have to change the paradigm of resources to organizing domestically and internationally in order to improve the results of organizing, particularly in creating independent, democratic, and self-sufficient organizations.</p>
<blockquote><p><strong>Community activist will practice what he preaches at New Orleans coffeehouse</strong></p>
<p><strong>Published: Sunday, August 28, 2011, 7:15 AM </strong></p>
<p>By <strong>John Pope, The Times-Picayune </strong></p>
<p>As<strong> Wade Rathke</strong>, the New Orleans-born community organizer who founded <strong>ACORN</strong>, prepared to turn 63 this month, he was at a crossroads. The U.S. branch of the activist organization he turned into a powerhouse and a punching bag for the political right was dead, a victim of internal and external strife.</p>
<p>&#8216;Had this been a regular coffee shop, I probably would have just kept on walking,&#8217; Wade Rathke says of his decision to buy Fair Grinds coffeehouse.</p>
<p>Although Rathke has kept busy traveling to the 12 countries that are partners in ACORN International, he wanted something that would let him do some organizing in New Orleans.</p>
<p>So he bought a coffee shop.</p>
<p>It isn&#8217;t just any coffee shop. It is the Fair Grinds Coffeehouse, a two-story Ponce de Leon Street establishment whose name is a play on the name of the nearby racetrack.</p>
<p>Though coffee shops have become synonymous with bourgeois excess, the Fair Grinds is in some ways a natural place for a veteran rabble-rouser to land. The ground-floor interior, where flecks of paint peel off the dark-green beaded-pine walls, looks like one of the last outposts of the 1960s, with fliers touting yoga, concerts and meditation groups.</p>
<p>There are, however, some modern touches: Casually clad customers commune with laptops and smartphones, and the walls and front window display advertisements for vegan cuisine and gourmet cupcakes.</p>
<p>But, Rathke said, what drew him to buy the business from Robert Thompson and his wife, Elizabeth Herod, wasn&#8217;t just the opportunity to sell coffee and pastries, although he envisions the shop as an ideal market for fair-trade coffee made by a co-op of Honduran women with whom he works.</p>
<p>&#8220;The attraction here is the space we&#8217;re in right now,&#8221; Rathke said.</p>
<p>Rathke, who will take over in mid-October, was sitting with Thompson in a big, empty room upstairs, a space that has been used for years by art groups, meditation groups and boards of nonprofit organizations.</p>
<p>&#8220;You name it, and it probably met here at some time or another,&#8221; Rathke said. &#8220;Had this been a regular coffee shop, I probably would have just kept on walking, but the chance of combining what I know about building a community from 40 years of being a community organizer and the role that this coffee house has in this community was just too good to pass up.</p>
<p>&#8220;I&#8217;m excited about the fact that there are 300 or more people who come in here every day, and we&#8217;ll have a chance to talk to them. God knows what we&#8217;ll say. God knows what we&#8217;ll hear. I&#8217;m very much looking forward to the dialogue that a cup of coffee can help make happen.&#8221;</p>
<p>Rathke, who paid about $500,000 for the building, is no stranger to the coffee culture. A graduate of Benjamin Franklin High School, he got a job as a shipping clerk at Luzianne Coffee Co. after dropping out of Williams College, where he had organized draft resisters and welfare recipients.</p>
<p>At Luzianne, Rathke was introduced to coffee and chicory in the company cafeteria, and he frequently was given a 1-pound bag at the end of a week&#8217;s work.</p>
<p>&#8220;I liked coffee after that,&#8221; he said.</p>
<p>At Fair Grinds, Rathke said one of his priorities will be to educate people about fair-trade coffee, a category of coffee that may cost more because, Rathke said, its producers are getting paid adequately.</p>
<p>&#8220;People should get the reward of their labor,&#8221; he said. &#8220;The organizing I do, which is the broadest way I express my commitment to people and the justice they deserve as part of their lives, will also be meted out here at this coffeehouse.&#8221;</p>
<p>The Rathke regime will carry on a tradition that Thompson and Herod established when they opened the business in 2002.</p>
<p>&#8220;If we&#8217;re absorbing a penny or more in the cost per cup, so be it,&#8221; Thompson said. &#8220;We feel better about the cup of coffee we&#8217;re drinking.&#8221;</p>
<p>The two men&#8217;s apparel espoused the coffeehouse&#8217;s laid-back vibe. Thompson wore a Fair Grinds T-shirt, shorts and Crocs. Rathke wore a light blue shirt, jeans and sandals, and he carried a tote bulging with copies of his two books on community organizing.</p>
<p>His latest book, &#8220;The Battle for the Ninth Ward,&#8221; will debut Monday, the sixth anniversary of <strong>Hurricane Katrina</strong>, with a party at 6 p.m. at Light City Church, 6117 St. Claude Ave.</p>
<p>Rathke also is the editor in chief and publisher of Social Policy, a quarterly magazine.</p>
<p>Even though Rathke will be the Fair Grinds&#8217; owner, he won&#8217;t be a regular fixture at the counter. He&#8217;s still busy, traveling to countries where he is ACORN International&#8217;s chief organizer.</p>
<p>In the United States, ACORN, which had been one of the country&#8217;s biggest community-organizing groups, disbanded last year after allegations of criminal conduct &#8212; an investigation found none &#8212; and the revelation in 2008 that Rathke&#8217;s brother, Dale, who also worked there, had embezzled nearly $1 million from ACORN and some affiliated organizations in 1999 and 2000.</p>
<p>The matter was kept quiet for years. Dale Rathke was ousted on June 2, 2008, shortly after the news became public, and Wade Rathke stepped down as ACORN&#8217;s chief organizer the same day.</p>
<p>Dale Rathke, who lives in New Orleans, had paid the money back before 2008, his brother said.</p>
<p>&#8220;He had his problems,&#8221; Wade Rathke said. &#8220;Obviously, it was very unfortunate. He made a big mistake; he paid back the money. That is a legal response. We could have thrown him in front of the bus, but we wouldn&#8217;t have gotten the money back.</p>
<p>&#8220;We weighed between getting restitution and having retribution, and restitution seemed like the wise course, and that&#8217;s the one we chose. The majority of ACORN&#8217;s members and leaders were OK with that.&#8221;</p>
<p>Even though there is no longer an ACORN structure in the United States, Rathke has plans for the coffeehouse as a nexus of activism.</p>
<p>&#8220;We&#8217;ll run it as a social-venture operation,&#8221; he said. &#8220;The work will directly support change, both out of the gross revenue and whatever the net profit is. Those monies will be expended to try to make sure that people in developing countries like where we get the coffee are able to come together, organize collectively, improve their livelihoods, build power. That&#8217;s where the resources will go.</p>
<p>&#8220;These things all integrate together, and I think the Fair Grinds Coffeehouse is a natural place to put more of these pieces together.&#8221;</p></blockquote>
<p>Oh, and sure I was born in Wyoming but these are minor details.  The point here is to watch where we are going with all of this in the future.</p>
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		<title>Guest Worker Abuses</title>
		<link>http://chieforganizer.org/2010/02/04/guest-worker-abuses/</link>
		<comments>http://chieforganizer.org/2010/02/04/guest-worker-abuses/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 17:10:09 +0000</pubDate>
		<dc:creator>dine</dc:creator>
				<category><![CDATA[Organizing]]></category>
		<category><![CDATA[Rebuild New Orleans]]></category>
		<category><![CDATA[Chris newman]]></category>
		<category><![CDATA[guest workers]]></category>
		<category><![CDATA[H-2b temporary guest worker program]]></category>
		<category><![CDATA[Hurricane Katrina]]></category>
		<category><![CDATA[Immigration]]></category>
		<category><![CDATA[immigration reform]]></category>
		<category><![CDATA[Julia Preston]]></category>
		<category><![CDATA[living conditions]]></category>
		<category><![CDATA[Louisiana shipyards]]></category>
		<category><![CDATA[National Day Labor Organizing Network]]></category>
		<category><![CDATA[NDLON]]></category>
		<category><![CDATA[New Orleans Workers' Center for Racial Justice]]></category>
		<category><![CDATA[Pablo Alvarado]]></category>
		<category><![CDATA[Saket Soni]]></category>
		<category><![CDATA[signal International]]></category>
		<category><![CDATA[South Asian guest workers]]></category>

		<guid isPermaLink="false">http://chieforganizer.org/?p=2739</guid>
		<description><![CDATA[<p>Saket Soni and the New Orleans Workers’ Center for Racial Justice have beaten the drum in the more than four years since Hurricane Katrina about the abuses to south Asian guest workers pulled into the shipyards during the desperate labor supplies after the storm.  Lawsuits against Signal International now coming to light reveal clearly the [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-medium wp-image-2740" title="NO Workers Justice Center" src="http://chieforganizer.org/wp-content/uploads/2010/02/NO-WOrkers-Justice-Center-200x150.jpg" alt="NO Workers Justice Center" width="200" height="150" />Saket Soni and the New Orleans Workers’ Center for Racial Justice have beaten the drum in the more than four years since Hurricane Katrina about the abuses to south Asian guest workers pulled into the shipyards during the desperate labor supplies after the storm.  Lawsuits against Signal International now coming to light reveal clearly the dark underbelly of the H-2B temporary guest worker program, and why it is so clearly not a solution to the immigration crises in our country.</p>
<p>            Primarily Indian metalworkers paid brokers up to $20,000 USD, which is literally a king’s ransom in rupees, to undertake the work.  They expected and put up with the terrible living conditions common in a labor camp in the shipyard, especially in the post-Katrina.  What they also expected was that promises of a green card which would allow them to continue working in the USA would also be delivered, since that was so clearly the line that recruited them to the shipyards.   Unfortunately, as any reader would know, that line was a total line.</p>
<p><span id="more-2739"></span></p>
<p>            As the 500 workers agitated about their conditions, circumstances, and the injustice of it all, supported by assistance from the Workers’ Center and national advocacy by NDLON, the National Day Labor Organizing Network, and its leaders, Pablo Alvarado and Chris Newman, the boss according to the court papers and an article by Julia Preston in <em>The New York Times</em>, saw the Indians as “whiners” and wanted to target and remove the ringleaders.  Where did the boss go for advice in this area?  Well, right to agents of ICE, the Immigration and Customs Enforcement outfit so notorious throughout the land.  </p>
<p>The advice was a classic labor busting technique more reminiscent of the old organizer tales of the Wobblies tarred and feathered and ridden out on the rails than anything else.  The agent according to the boss said, “Don’t give them any advance notice.  Take them all out of the line on the way to work; get their personal belongings; get them in a van, and get their tickets, and get them to the airport, and send them back to India.”</p>
<p>It didn’t work out so well in this one situation since folks like the Workers’ Center were all over this bad boy, but I have to wonder how many thousands of times this advice would have yielded exactly the expected result?  This situation may see some justice through the courts, but this is rare. </p>
<p>The notion that we can build a “guest worker” program on the backs of desperate immigrant workers, almost classically exploitative labor contractors and recruiters, and still make a big deal out of the Statue of Liberty and any core values of the United States as a nation of immigrants, is the cruelest irony underlying all of this.</p>
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		<title>Convalescence Not Recovery</title>
		<link>http://chieforganizer.org/2009/08/01/convalescence-not-recovery/</link>
		<comments>http://chieforganizer.org/2009/08/01/convalescence-not-recovery/#comments</comments>
		<pubDate>Sat, 01 Aug 2009 16:56:28 +0000</pubDate>
		<dc:creator>jstuart</dc:creator>
				<category><![CDATA[Personal Writings]]></category>
		<category><![CDATA[Rebuild New Orleans]]></category>
		<category><![CDATA[Hurricane Katrina]]></category>
		<category><![CDATA[NOLA]]></category>

		<guid isPermaLink="false">http://chieforganizer.org/?p=1914</guid>
		<description><![CDATA[<p>New Orleans Moving into August, the “Katrina” month, in New Orleans forces a renewed reckoning with the status of the city’s comeback.  Wildly spinning stories this week expressed surprise with the robustness of the “recovery.”</p>

The city’s population has now reached 76%+ of the pre-storm number putting us over 350,000 and rising.  Observers were shocked, since [...]]]></description>
			<content:encoded><![CDATA[<p><em><a href="http://chieforganizer.org/wp-content/uploads/2009/08/katrina-new-orleans-flooding4-2005.jpg"><img class="alignright size-medium wp-image-1915" title="katrina-new-orleans-flooding4-2005" src="http://chieforganizer.org/wp-content/uploads/2009/08/katrina-new-orleans-flooding4-2005-200x150.jpg" alt="katrina-new-orleans-flooding4-2005" width="200" height="150" /></a>New Orleans </em>Moving into August, the “Katrina” month, in New Orleans forces a renewed reckoning with the status of the city’s comeback.  Wildly spinning stories this week expressed surprise with the robustness of the “recovery.”</p>
<ul>
<li>The city’s population has now reached 76%+ of the pre-storm number putting us over 350,000 and rising.  Observers were shocked, since they had predicted a falloff after the 3<sup>rd</sup> year bump.</li>
<li>Similarly a report today on a “windshield” survey of housing stock indicated that there had either been full rehabilitation or substantial work done on more than 75% of the damaged houses.</li>
<li>Driving by the old St. Bernard housing project in the city, structures are finally framed, roofed, and skinned, and work seems to finally be moving apace.</li>
</ul>
<p><span id="more-1914"></span></p>
<p>Make no mistake though.  This is four years on since the storm.  This is not recovery.  This is long term convalescence.  This is not acute care, this is only a notch better than hospice treatment where the doctors are surprised the heartbeat and willpower to live are still so strong.</p>
<p>New Orleans will make it, but after four years is it too much to ask that our governments finally take this all seriously and pull together and really give us a hand?</p>
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		<title>Marsh before Hurricane Season</title>
		<link>http://chieforganizer.org/2009/06/01/marsh-before-hurricane-season/</link>
		<comments>http://chieforganizer.org/2009/06/01/marsh-before-hurricane-season/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 15:57:47 +0000</pubDate>
		<dc:creator>jstuart</dc:creator>
				<category><![CDATA[Louisiana Recovery]]></category>
		<category><![CDATA[Personal Writings]]></category>
		<category><![CDATA[bayou]]></category>
		<category><![CDATA[Hurricane Katrina]]></category>
		<category><![CDATA[marsh]]></category>
		<category><![CDATA[Pearl River]]></category>

		<guid isPermaLink="false">http://chieforganizer.org/?p=1517</guid>
		<description><![CDATA[<p>Slidell My  son and I are hardly scientists, but we know something about the marsh  and bayous between Lake Pontchartrain and the West Pearl River.   Until Katrina we had a fishing camp on two acres a mile or so as a crow  would fly from the Lake.  Now we have two [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Times New Roman; font-size: small;"><em>Slidell </em>My  son and I are hardly scientists, but we know something about the marsh  and</span><img class="alignright size-medium wp-image-1519" title="pearl_river" src="http://chieforganizer.org/wp-content/uploads/2009/06/pearl_river-200x150.jpg" alt="pearl_river" width="233" height="174" /><span style="font-family: Times New Roman; font-size: small;"> bayous between Lake Pontchartrain and the West Pearl River.   Until Katrina we had a fishing camp on two acres</span><span style="font-family: Times New Roman; font-size: small;"> a mile or</span><span style="font-family: Times New Roman; font-size: small;"> </span><span style="font-family: Times New Roman; font-size: small;">so</span><span style="font-family: Times New Roman; font-size: small;"> as a crow  would fly from the Lake.  Now we have two acres of mainly marsh  and a damaged dock left.  In the Saturday sunset we took our beaten  up, yellow Mohawk canoe, a disappointing replacement for the Old Town  lost in the storm, for an hour paddle around the area to see how things  stood on the opening day of the 2009 hurricane season.</span></p>
<div style="margin: 1ex;">
<div>
<p><span style="font-family: Times New Roman; font-size: small;">We  came away pleased.  The marsh is healthier than we could remember  it in recent years.  Water was high and late spring green abounded.   Louisiana herons rose around every bend and red-winged blackbirds sang  out everywhere.  There has been good recovery since the storm and  the depletion of the nutria population in Katrina has also stemmed some  of the erosion.  <span id="more-1517"></span></span></p>
<p><span style="font-family: Times New Roman; font-size: small;">The  marsh and bayous all around the Bayou Island Camp are now all part of  an expanded National Wildlife Refuge, which frankly doesn’t hurt either.   The duck blinds are gone now in the back bayou.  For the first  time in a decade we didn’t run into spoiled and drifting crab traps  as well.  The water occasionally would boil with fish in the swallows  as the paddle pierced the water’s surface. </span></p>
<p><span style="font-family: Times New Roman; font-size: small;">This  marsh and the ridge running even with the Rigolets between Lake Ponchartrain  and Lake Borgne are important barrier protections against surges coming  in from the Mississippi Sound of the Gulf of Mexico along the north  shore across from the city of New Orleans.  This is a constant  fight against erosion and development, and not something on the Corps  of Engineers list.  This is Mother Nature’s work, and she seems  to temporarily have gotten a break and a chance to rebuild.</span></p>
<p><span style="font-family: Times New Roman; font-size: small;">We  threw the boat on top of the truck and the rack that lies there permanently  for just these pure pleasures, and both of us left the water with smiles  on our faces.</span></div>
</div>
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