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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>This was the 90s when these studies came out. After the AFT study was publicized, concluding that residential didn\u2019t pay for itself, follow-up studies established the assessed value cutoff between which covered their costs and which didn\u2019t. I then recall developers making representations to planning boards about how \u201chigh end\u201d their homes were, thus riding above the threshold, so not to worry. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>Land uses that require a subsidy from other land uses to break even can only persevere until the cumulative subsidy is exhausted. I would say to Wayne and Judy that if there is an assessment tool out there that individual communities can use to debunk this notion, let\u2019s put it out there so we misinformed planners may see the light.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual'>Jeff Lacy<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual'>Rural Planning Associates<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual'>896 Graves Road<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual'>Conway, MA 01341<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual'>(413) 230-9693 (cell)<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual'><a href="mailto:ruralplanningassociates@crocker.com"><span style='color:#0563C1'>ruralplanningassociates@crocker.com</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> Judi Barrett <judi@barrettplanningllc.com> <br><b>Sent:</b> Friday, June 20, 2025 11:16 AM<br><b>To:</b> Wayne Feiden <wayne@feiden.org>; Jeff Lacy <ruralplanningassociates@crocker.com><br><b>Cc:</b> Harry LaCortiglia <hlacortiglia@comcast.net>; massplanners@masscptc.org<br><b>Subject:</b> Re: [Massplanners] Starter Homes M.G.L c40Y Draft Regulations Public Comment Period<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>I agree completely, Wayne. People don\u2019t understand how to evaluate the fiscal impact of new housing or any other land use. If planners have trouble figuring this out, I don\u2019t know how we can expect local officials to understand, let alone the general public. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>Judi Barrett <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>BARRETT PLANNING GROUP LLC<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>350 Lincoln Street, Ste. 2503<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>Hingham, MA 02043<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>Office: (781) 934-0073, x7<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>Cell: (781) 206-6045<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></p><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-family:"Calibri",sans-serif;color:black'>From: </span></b><span style='font-family:"Calibri",sans-serif;color:black'>Wayne Feiden <<a href="mailto:wayne@feiden.org">wayne@feiden.org</a>><br><b>Date: </b>Friday, June 20, 2025 at 10:43<br><b>To: </b>Jeff Lacy <<a href="mailto:ruralplanningassociates@crocker.com">ruralplanningassociates@crocker.com</a>><br><b>Cc: </b>Harry LaCortiglia <<a href="mailto:hlacortiglia@comcast.net">hlacortiglia@comcast.net</a>>, "<a href="mailto:judi@barrettplanningllc.com">judi@barrettplanningllc.com</a>" <<a href="mailto:judi@barrettplanningllc.com">judi@barrettplanningllc.com</a>>, MassPLanners MassPLanners CPTC <<a href="mailto:massplanners@masscptc.org">massplanners@masscptc.org</a>><br><b>Subject: </b>Re: [Massplanners] Starter Homes M.G.L c40Y Draft Regulations Public Comment Period<o:p></o:p></span></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><div><p class=MsoNormal>Jeff identifies where a lot of opposition to affordable and attainable housing comes from, even in spite of the overwhelming social and economic need for such housing. <o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>I will point out, however, that while the American Farmland Trust (AFT) identified the high cost of residential development, they used a <b>average cost approach.</b> When the Citizens Housing and Planning Association (CHAPA) did a similar analysis, specifically of multi-family housing, they used a <b>marginal cost approach</b>, which resulted in very different outcomes. New housing rarely creates the need for a new city hall, fire station, police station, etc, so the marginal cost from new housing is much lower.<o:p></o:p></p></div><div><div><div><div><p class=MsoNormal><br><i><span style='color:blue;background:white'>Wayne Feiden FAICP</span></i><o:p></o:p></p></div></div></div></div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal>On Fri, Jun 20, 2025 at 10:27<span style='font-family:"Arial",sans-serif'>\u202f</span>AM Jeff Lacy via MassPlanners <<a href="mailto:massplanners@masscptc.org">massplanners@masscptc.org</a>> wrote:<o:p></o:p></p></div><blockquote style='border:none;border-left:solid #CCCCCC 1.0pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt'><div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>Fundamental rub with lower-priced housing, technically \u201caffordable\u201d or not, is fiscal. Cities and towns are principally concerned with making their budgets work without overrides and revolts. Their principal obligations are to provide essential services and infrastructure that residents expect and retaining an experienced high-quality workforce. </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>The American Farmland Trust some decades back did a \u201cCosts of Community Services\u201d study in New England that looked at various land uses, what local government services they demanded, and how much they contributed in property taxes toward those services. Commercial, industrial, and open space all demanded less than they contributed. Residential, as a category, demanded more than contributed. But the residential results were a mixed bag, with an assessed value cutoff between the homes that covered their costs (higher assessed values) and those that did not (lower assessed values). </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>For the AFT the takeaway was that, as a category, open farmland not only exerted fewer demands upon municipal services, but actually subsidized residential. So keeping those lands from being residentially subdivided made dollars and sense. For municipalities, the takeaway was that, fiscally, if there\u2019s a given family of four in a house, it\u2019s better for the town that the house have a higher assessed value (to better pay for the same service demands, education in particular).</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>This tension between a societal need and a fiscal reality is the point I think Harry is making.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>Jeff Lacy</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>Rural Planning Associates</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>896 Graves Road</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>Conway, MA 01341</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>(413) 230-9693 (cell)</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><a href="mailto:ruralplanningassociates@crocker.com" target="_blank"><span style='color:#0563C1'>ruralplanningassociates@crocker.com</span></a></span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> MassPlanners <<a href="mailto:massplanners-bounces@masscptc.org" target="_blank">massplanners-bounces@masscptc.org</a>> <b>On Behalf Of </b>Harry LaCortiglia via MassPlanners<br><b>Sent:</b> Friday, June 20, 2025 6:34 AM<br><b>To:</b> Judi Barrett <<a href="mailto:judi@barrettplanningllc.com" target="_blank">judi@barrettplanningllc.com</a>><br><b>Cc:</b> <a href="mailto:massplanners@masscptc.org" target="_blank">massplanners@masscptc.org</a><br><b>Subject:</b> Re: [Massplanners] Starter Homes M.G.L c40Y Draft Regulations Public Comment Period</span><o:p></o:p></p></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Since we're currently at 11.4 % Affordable on the SHI it's a safe bet that the Town recognizes the inherent value in affordability, Judi.</span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>The challenge to adopting new districts at town meeting in this community can often come down to framing the argument in beneficial monetary terms. </span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Years ago our attempt at a 40R adoption failed by only 2 votes at Town Meeting. By the time we were ready to try adoption again at a subsequent Town Meeting, the State's incentive funding had dried up.</span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>We lost the carrot. </span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Not surprisingly, we do not have a 40R District.</span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>In the aftermath of a contentious MBTA 3A adoption, until the bruises fade, the passing of new Zoning Amendments will now entail getting the citizens to forget the stick EOHLC used to achieve MBTA 3A adoption, and focusing more on the potential carrots that the town may receive. </span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>We just went through a Prop 2&1/2 override, so carrot$ could be very helpful.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Best,</span><br><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>H. LaCortiglia</span><br><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Georgetown P.B.</span><o:p></o:p></p><p> <o:p></o:p></p><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>It seems to me the best incentive is getting some affordably priced housing! <o:p></o:p></p></div><div><div><div><div><div><div><div><div><div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='border:solid windowtext 1.0pt;padding:0in'><img border=0 width=96 height=80 style='width:1.0in;height:.8333in' id="_x0000_i1026" src="cid:~WRD0000.jpg" alt="Image removed by sender."></span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Judi Barrett<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>(she, her, hers)<o:p></o:p></p></div><div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Barrett Planning Group LLC<o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>350 Lincoln Street, Ste 2503<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Hingham, MA 02043<o:p></o:p></p></div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>(p) 781-934-0073<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>(c) 781-206-6045<o:p></o:p></p></div></div></div></div></div></div></div></div></div></div></div></div></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>On Thu, Jun 19, 2025 at 6:37<span style='font-family:"Arial",sans-serif'>\u202f</span>AM Harry LaCortiglia via MassPlanners <<a href="mailto:massplanners@masscptc.org" target="_blank">massplanners@masscptc.org</a>> wrote:<o:p></o:p></p></div><blockquote style='border:none;border-left:solid #CCCCCC 1.0pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt'><div><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Thank you Filipe,</span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>The link you provided states that "Massachusetts offers incentives and technical assistance for towns and cities to create these districts."</span><o:p></o:p></p><p><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Could you elaborate with respect to the incentives for towns?</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Best,</span><br><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>H. LaCortiglia</span><br><span style='font-size:13.5pt;font-family:"Times New Roman",serif'>Georgetown P.B. </span><o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>On 6/18/2025 3:19 PM, Zamborlini, Filipe (EOHLC) via MassPlanners wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'>Dear MassPlanners,</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'>The Executive Office of Housing and Livable Communities (EOHLC) is pleased to announce the opening of the public comment period for the Starter Home/Chapter 40Y regulations. We welcome your continued feedback on these draft regulations during the public comment period that starts on June 20, 2025 and closes on July 25, 2025. Submit a comment at <a href="http://www.mass.gov/starterhomes" target="_blank">www.mass.gov/starterhomes</a>. We anticipate that final regulations will be effective in the early fall.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'>Thank you,</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'>Filipe</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><i><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Filipe Zamborlini (he/him/his)</span></i></b><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Manager, Community Assistance Unit</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Executive Office of Housing and Livable Communities (EOHLC)</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Livable Communities Division</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>100 Cambridge Street, Suite 300</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Boston, MA 02114</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><a href="mailto:filipe.zamborlini@mass.gov" target="_blank"><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>filipe.zamborlini@mass.gov</span></a><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'><tr><td style='padding:.75pt .75pt .75pt .75pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><a href="https://outlook.office.com/bookwithme/user/b4eb39dbb6b34b3fb6d841ec0fdb7916@mass.gov?anonymous&ep=signature" target="_blank"><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;border:solid windowtext 1.0pt;padding:0in;text-decoration:none'><img border=0 width=20 height=20 style='width:.2083in;height:.2083in' id="_x0000_i1025" src="cid:~WRD0000.jpg" alt="Image removed by sender."></span></a><o:p></o:p></p></td><td style='padding:.75pt .75pt .75pt .75pt'></td><td style='padding:.75pt .75pt .75pt .75pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><a href="https://outlook.office.com/bookwithme/user/b4eb39dbb6b34b3fb6d841ec0fdb7916@mass.gov?anonymous&ep=signature" target="_blank"><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:#0078D4'>Book time to meet with me</span></a><o:p></o:p></p></td><td style='padding:.75pt .75pt .75pt .75pt'></td></tr></table><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><o:p> </o:p></p></blockquote></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>-- <br>MassPlanners mailing list<br><a href="mailto:MassPlanners@masscptc.org" target="_blank">MassPlanners@masscptc.org</a><br><a href="http://masscptc.org/mailman/listinfo/massplanners_masscptc.org" target="_blank">http://masscptc.org/mailman/listinfo/massplanners_masscptc.org</a><o:p></o:p></p></blockquote></div></blockquote></div></div><p class=MsoNormal>-- <br>MassPlanners mailing list<br><a href="mailto:MassPlanners@masscptc.org" target="_blank">MassPlanners@masscptc.org</a><br><a href="http://masscptc.org/mailman/listinfo/massplanners_masscptc.org" target="_blank">http://masscptc.org/mailman/listinfo/massplanners_masscptc.org</a><o:p></o:p></p></div></blockquote></div></div></body></html>