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        London bridges aren’t exactly falling down, at least not yet, but London real estate prices are. Previously buoyed by an influx of wealthy foreigners, especially Russian and Arab, London has for some years been the most over-priced city in the world. The Brexit vote changed that overnight, as those wealthy foreigners are already starting to put their properties up for sale. Florida real estate agencies could be the beneficiaries.
        “Anything in the United States will fare very well with the Euro-centric audience,” Leonard Steinberg, an executive with a major U.S. brokerage, told Yahoo, adding that Miami was among American cities that “will always do well with the foreign buyer.”
        I think other Florida cities like Naples, Sarasota, Fort Myers and the Gold Coast on the eastern side of the state could do very well also as well-to-do British citizens look to escape the plummeting real estate market in London and other higher priced areas of the UK. The British have long had an affinity for vacations in Florida, and many have purchased second homes there. Non-stop flights from London to Miami, Orlando and Tampa are a few hours longer than flights to Portugal, Spain and other sun-drenched havens in Europe, but receptions for British citizens in some Euro countries in the wake of the vote could be tepid at best and vacation-ruining at worst. Florida and, potentially, other parts of the U.S. Sun Belt, could look like safe havens in more ways than one.
LaurelOakapproachoverwaterBritish citizens looking for a safe haven in Florida won't do much better than Laurel Oak Country Club, located near Sarasota.
        Europeans watching their stock portfolios and real estate values drop, and fearing worse over the coming months, don’t believe America needs to be made great again, certainly not as a place to invest. The U.S. is the world’s only true safe haven for real estate and other investments, according to global experts. If I were the chambers of commerce and major real estate agencies in Florida cities, as well as other cities in the Southeast that can be undeniably attractive to foreign real estate investment, I’d be running ads in British media read by those with real estate holdings. Yes, the drop in the value of the pound sterling has made investments in U.S. properties that much more expensive for the Brits, but the exchange rate difference is nothing compared to the impact of, say, a 50% drop in properties valued in the millions.  Smart money in London may be ready to take some losses now rather than much bigger ones later.
        Of course, having been through a vote whose results many did not see coming, British citizens may be reluctant to jump from the fat into the fire of another chaotic and contentious campaign in the U.S. Uncertainty certainly does not inspire investor confidence. In that regard, here is an open invitation to any British citizen looking for information on the top golf communities in Florida or elsewhere in the Southeast U.S. to contact us now to lay the groundwork for a purchase decision, say, on November 9, the day after the election. That provides plenty of time to visit some Florida communities in the meantime, while lodging prices are very cheap in Florida (hot summers drive the snowbirds away) and golf communities are eager to see you.
        For a sample of golf communities in Florida that we can recommend, click here.

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        As of last week, nine of the 23 new home sites released for sale on June 10 at Aiken, SC’s Woodside Communities had been sold.
        The general economic and demographic environments seem to be driving the recent spurt in land sales at Woodside and throughout golf communities in general in the Southeast. Consumer confidence, especially among retiring and nearly retired baby boomers, is improving. Aside from the anxiety some might feel during a Presidential election year -– especially this Presidential election year –- baby boomers are done with deferring their retirement relocations; their primary homes have recovered much of their values since the recession, taking away the biggest excuse for waiting. And in spite of media predictions to the contrary, golf is still popular enough with 26 million people that a retirement adjacent to a fine golf course –- or in Woodside's case, a few of them –- is seen as a realistic luxury.
        But Woodside itself, and the location of the lots in the Summer Hill section of the community, which is bounded by a park on one side and the upcoming 12th and 13th holes of Fuzzy Zoeller’s Hollow Creek course at The Reserve Club, gets most of the credit for the strong interest. A pond, pedestrian footbridge, stone and timber pavilion and quarter-mile lighted walking path –- “walking,” boomers say time and again, is their favorite activity –- add to the appeal.
        The lots are priced from $55,900. Owners have no required time frame in which to build and can use home designs from Woodside’s own collection or build to their own (or their architect’s) design. Construction costs of $135 to $140 per square foot is a good rule of thumb for homes commissioned through Woodside’s building program, but if you hire your own architect and builder, the sky’s your limit.
        The Hancock is one of models Woodside is offering for Summer Hill. At 2,000 square feet, space enough for two or three bedrooms, it is the perfect size for a vacation home or a tidy residence for a retired couple. Costs should not exceed $300,000 to build a nicely outfitted home.
Woodside Hancock Model 1The Hancock model at Woodside Communities will cost under $300,000 to build in the community's new Summer Village section.
        For more information about Woodside and access to a listing of properties for sale, please see our Golf Homes for Sale section
        One other item of note regarding Woodside: The community is located just 22 miles from the gates of the Augusta National Golf Club. During Masters week in April, lodging in the city is notoriously short, and some Woodside homeowners rent out their houses to well-heeled tournament attendees –- and occasionally players and their families –- for enough to pay for a pretty nice golf vacation -– airfare included.

        It may seem counterintuitive, but the Beech Mountain Club in western North Carolina awarded free rounds of golf to 23 golfers this past Tuesday because the weather was terrific –- maybe too terrific. The surprise giveaway of free-round certificates resulted when the temperature passed 79 degrees in the typically cool environs of Beech Mountain.
        The four-year old Summer of 79 Degrees promotion guarantees that temperatures do not reach 80, a level that Beech Mountain head pro John Carrin says is “not cool.”
        When Carrin handed out the certificates for free rounds, he offered the shocked golfers his “deepest apologies for the weather,” which was filled with blue skies, low humidity and refreshing light breezes. “They laughed,” says Carrin.  During the program’s duration, the thermometer passed 79 degrees only three times, all in 2012, until earlier this week. Temperatures in Beech Mountain, elevation 5,506 feet and the highest incorporated town east of the Rocky Mountains, have exceeded 79 degrees only 12 times since 1992.
        Check out listings of homes for sale in Beech Mountain in our Golf Homes for Sale section. We noted a selection of four-bedroom houses, some with nice views, in the low to mid $200s. The golf course is a mile-high, which will add a few yards to every club in your bag. If you would like more information about the community that surrounds the golf course, or an introduction to Jim Brooks, our Realtor at Beech Mountain, please contact us.
Beech Mountain 1Instant Yardage: The balls fly farther when you play a mile high at Beech Mountain.

Friday, 10 June 2016 11:04

Excellent golf, played inexpensively

        Life inside the gates of a golf community may not be the best choice for every golfer. Some golfers crave variety and would rather not face the obligation of playing the same course or two courses consistently. Others don’t want to pay the fixed costs associated with private club membership.
        The trick for those who might live outside a golf community but near excellent golf courses is how to replicate the feeling of a private club. At Habersham, one of those “new urbanism” communities with a town center within walking distance of many of its homes, golfing residents have solved the problem by banding together into a “golf club,” according to Joe Moran, who runs the Habersham Golf Club.
        “We have more than 40 members,” Joe told me, “and a few of them are from outside the community. We met them during our play at area courses and they asked to join.”
        The group plays every Tuesday year round at The Legends of Parris Island, a nicely tended layout inside the gates of the U.S. Marine base near Beaufort, SC, and just 20 minutes from Habersham.
        “The $36 they charge is a great deal,” says Joe, who indicated that the greens superintendent at The Legends once held the same job at the private and well-respected clubs at Dataw Island.
Joe Moran and DaddioJoe Moran, left, leads the Habersham Golf Club which plays every Tuesday at The Legends on Parris Island. According to Joe, his fellow golfer's name is "Daddio."
        On Thursdays, the group plays another course in the area from a selection ranging from the Hilton Head/Bluffton area to the Savannah area.
        “We typically send out a reconnaissance group in advance to make sure that course conditions are good,” says Joe, adding that the nearby Sanctuary Island course on Cat Island can be in great condition for three months and then fall off for the next three.
        Joe and his wife Dee wound up in Habersham when their daughter went to college in Charleston. They hadn’t been considering a golf community for their retirement, because Joe says he didn’t want to play the same golf course four times a week. On one trip to visit their daughter in the late 1990s, they drove through Habersham –- which Joe describes as “embryonic” at the time -– and took a “leap of faith,” purchasing a lot which they built a house on in 2003.
        Joe says he made the right decision as both a golfer and homeowner, and points to local area golf communities like Callawassie, where some members are fighting the mandatory resident membership rule, and the top end Bluffton communities of Colleton River, Berkeley Hall and Belfair, which still feature a few $1 lots for sale by owners besieged with the mandatory membership costs.
        “I could not be more pleased with the way things have turned out,” he says.
        Our June edition of Home On The Course, our free newsletter, will feature all the different ways a serious golfer can play serious golf on a variety of courses, whether you live inside or outside the gates of a golf community. The issue will be emailed to subscribers on Monday, so you have time to sign-up to receive your copy and all future copies.

        I am a member of a group called the Junior/Senior Golfing Society of Connecticut. The organization has a couple hundred members, almost all representing private clubs in the state, and every summer we play four private courses from the shoreline to the western hills of the Nutmeg State. The first “outing” of 2016 this past Tuesday was Madison Country Club, within a driver and wedge of the coastline along the Long Island Sound. Madison is a great example of how a traditional golf course can be renovated to look even more “classic.”
        The Junior/Senior group had played Madison a couple of years ago. The course, originally designed by the accomplished British golfer and designer Willie Park, Jr. in 1909, was looking a bit long in the tooth when we first played it, but it still had many of the classic Park touches familiar to those who have played Gullane in Scotland and Sunningdale outside London, and New Haven Country Club and Shuttle Meadow in our own state of Connecticut. Those included landing areas that appeared narrower than they actually were, some severely bunkered greens, and holes with distances that clearly were designed to accommodate wind patterns (shorter into the wind, longer with).
        Last year, Brian Silva undertook a respectful redesign of the course, improving it by adding more contour to the bunkers, additional sloping in the fairways and a cleaner overall look, without transforming a Park course into a Silva course. The hybrid black and gold tees we played were just 6,275 yards, and the wind was only blowing modestly off the nearby Sound, but with handicaps of no higher than 12 in our group, no one broke 90. A classic golf course is one that plays harder than it looks -– think Donald Ross –- and Madison surely meets the definition.
        Enjoy the photos. For a list of courses designed by Willie Park, Jr., click here.

Madison greenside bunker
Madisonlayeredbunkers
Madison approach over stream

        Tonight I start working on my wife Connie about my purchasing a “Non-Resident National Membership” for the McConnell Group of golf courses in the Carolinas and Tennessee. (McConnell added its first club outside the Carolinas with the recent purchase of Holston Hills in the Knoxville area.) The National Membership, which is available to anyone who lives at least 50 miles from a McConnell-owned club, provides access to the group’s dozen outstanding private courses.
        There are two levels of National membership. If, for example, your primary residence is in one of the three states in which McConnell operates clubs but outside the 50-mile zone, then your initiation fee would be $10,000 to join and your annual dues would be $3,875, or $323 per month. But if you live most of the year in a state other than North and South Carolina and Tennessee, and can prove it with a driver’s license and state tax return, your initiation fee is just $2,500 and dues $2,500 annually.
TreyburnapproachoverstreamMcConnell's dozen golf courses are all well-maintained and carefully chosen for their reputation and layouts. Shown is a par 3 at Treyburn Country Club in Durham, NC
        We say “just” $2,500 because the McConnell courses are all private, they are exquisitely tended, and the layouts are among the best in the South; they include designs by the likes of Donald Ross, Tom Fazio, Pete Dye and other titans of golf architecture. They are good enough to host PGA and LPGA tour events; the Ross gem at Sedgefield Country Club in Greensboro, NC, for example, is the site of the annual Wyndham Championship.
        Most of the McConnell courses are located in golf communities, including at Treyburn in Durham, NC, TPC Wakefield Plantation in Raleigh, and The Reserve at Litchfield just south of Myrtle Beach, SC. My wife and I own a vacation condo about 10 minutes from The Reserve, where McConnell dramatically improved the Greg Norman layout a few years ago, and I can envision playing the golf course a couple of times a week during our visits to the area.
        If you would like information on these and other communities adjacent to McConnell courses, or if you would like an introduction to Lauri Stephens, the McConnell vice president of membership, please contact me.

        During the winter, two or three customers per week ask us for help in identifying a golf community that might suit them. (They fill out our free Golf Home Questionnaire.) But like clockwork in April, when sunshine and warmer temperatures assert themselves up North and golf courses there begin to open for play, dreams of warm winter golf fade. Typically only one customer per week contacts us in the spring.
        We understand. We are golfers too, and as I write this, I am looking forward to a few rounds in the coming two weeks at excellent golf courses in Connecticut. I expect those golf courses will be almost at midseason form, with evenings still cool enough that if green superintendents want to cut the putting surfaces down, we should have some slick greens to putt on. Springs and summers, of course, are generally a lot cooler in New England than those in the Carolinas, Georgia and Florida, except for the higher elevations of the Blue Ridge Mountains.
Imperial Estates Golf NaplesQuelle Difference:  Residents of Imperial Estates (shown) in Naples, FL, who stuck around for July 2015, endured high temperatures that ranged from 84 degrees to 94 during the month. Yet in Myrtle Beach during that same month, high temperatures ranged from 85 to 95.
        In short, there is no good reason to leave the upper regions of the nation for a vacation in the South during the summer –- unless you are considering a home where the weather is warmer in the winter. In that case, there may be no better time to go South to look for your future home than in the heat of the summer.
        First, you will want to understand just how hot your potential new area gets in the summer. Florida summers scare a lot of people off, but if you can’t tell the difference between an average high of 92 degrees in Florida and a high of 89 in South Carolina or Georgia -– and you can tolerate that kind of heat -- then your choices open up wide. Second, depending on the community, you might find yourself a tad lonely in the summer if that community comprises many second-home owners who head North during the hot months. Sure, the golf courses in the hot South will be easy to access, and local restaurants will have plenty of open tables; but if you are the sociable kind, you could be put off by the isolation. On the other hand, you may look on it as a reprieve.
The Kids are all right...or not
        Some couples, having focused their prior 25-plus years on raising children, may look forward to a community comprising mostly retirees. But we have visited a number of such communities in the summer and found them to resemble summer camps for children; indeed, some of those communities actually organize summer camps for the grandchildren of their residents. If you plan to have visiting grandchildren of your own during summers and don’t mind a couple of months of squeals and splashing in your community’s pools, a visit in the summer will set you straight on what to expect.
        The summer heat in the South can play havoc with turf conditions; it is a good idea to check out how courses in your target communities weather the heat. If you are used to sleeping in and playing golf in the late morning, plan to amend your starting time in summer in the South; or make sure to stuff multiple bottles of cold water into your golf cart (you won’t be walking!). There is a reason why green fee rates drop precipitously in summer and why some private golf courses, in Florida especially, drop their restrictions and welcome public play for July and August. During an exploratory visit in the summer, test your mettle by playing during the heat of the day. You likely will do it only once.
        We have established excellent working relationships with dozens of top golf communities in the South and would be pleased to help arrange for you to visit on a Discovery Package that typically includes lodging, golf, temporary club membership and, often, a meal or two for deeply discounted prices. I’d also be happy to provide some complimentary advice on which golf communities in the South best suit your lifestyle. Simply fill out our free Golf Home Questionnaire and we will get back to you quickly with some initial recommendations. To date, I have visited nearly 200 golf communities and played their golf courses, a few times in temperatures bumping up against 100 degrees. In more ways than one, I know which golf communities in the South are hot.

        Richy Werenski won the BMW Charity Pro-Am yesterday on the Thornblade Country Club course in Greer, SC, located between Greenville and Spartanburg. The BMW is unique in that it is played over four days on three area golf courses. Each competitor plays a round at Thornblade, The Reserve at Lake Keowee and The Preserve at Verdae Greens, before those who qualify play the final 18 at Thornblade. Watching on television Werenski and his fellow competitors play the last few holes at Thornblade reminded me how much I enjoyed the Tom Fazio golf course and what a well organized and run club Thornblade is (the food in the dining room was excellent as well). Thornblade is a family-oriented club, but for those looking for a vibrant atmosphere in a well-established community -– large homes begin around $489,000 -- and economically sound area – BMW of North America headquarters is nearby in Spartanburg –- Thornblade is a great choice.
Thornblade from tee boxThe layout at Greer, SC's Thornblade Country Club has the hallmarks of Tom Fazio's best designs. It is the site of a preliminary and the final round of the annual BMW Charity Pro-Am golf event.

Life can be good, even in a non-golf community

        A golf community isn’t always the best choice for golfers, including those whose major activity is golf. On a visit to Beaufort, SC, last week, and at the invitation of developer J. C. Taylor, I stopped by for a tour of Celadon, a small but charming community characterized by live oaks arching over the roads, front porches on every home (it’s mandatory) and intermittent pocket parks on most streets. If a community can have neighborliness built in, Celadon is it. Plus the community center, featuring a fitness center, pool and activities rooms provides just about everything a golf community can, at a much lower cost. Golf memberships are available nearby at such established clubs as Dataw Island (10 minutes) and Callawassie Island (20 minutes). In short, for those looking to save some money on homeowner association dues but to live the same kind of lifestyle you would in a typical golf community, Celadon and the growing number of these “new urbanism” communities are worth a serious look. Contact me if you would like an introduction to J.C. Taylor and Celadon.
Dataw Island green by waterSometimes a golf community may not be the answer, even for dedicated golfers. In that case, they might choose to live in a small, but full-service development like Celadon in charming Beaufort, SC, and buy their golf membership at a club like Dataw Island, with 36 holes of Arthur Hills and Tom Fazio golf, just 10 minutes away (shown above).

Duh: Florida top state for retirees, but where are SC cities?

        I stumbled across a website run by Smart Asset, an online information service aimed at retirees. The operators of Smart Asset looked at 2014 census data and came up with a list of those states and cities to which most people over the age of 60 are moving. By a wide margin, Florida topped the state list, followed by Arizona, South Carolina, Georgia and North Carolina. Three cities in Florida –- Cape Coral, Jacksonville and Port St. Lucie -– ranked #2, 5 and 7 on the top 10 list -– and Charlotte, NC, placed 8th. Two of our favorite areas for golf communities made the top 15 list, including St. Petersburg, FL (12), and Savannah, GA (14). Curiously, the third most popular state for retirees, South Carolina, placed no cities in the top 25; not Charleston, Myrtle Beach or Greenville, which would all be on our list. You will find the Smart Asset article here
FordPar3RailroadTiesSavannah, GA, is one of the top 15 most popular cities with people over the age of 60. Ford Plantation members spent more than $7 million on course and clubhouse improvements a few years ago. Pete Dye did the work on the course he originally designed but, except for railroad ties on one par 3, you might not recognize it as quintessentially Dye.

Chinese food for thought in Myrtle Beach

        Myrtle Beach’s golfers and local club members are nervous these days, yours truly included, because of a video out of China that recently surfaced. If you have read these pages over the last year, you know that Chinese business interests have purchased nearly one-third of all the 100-plus golf courses along the Grand Strand. My own Pawleys Plantation is part of a group of 22 clubs owned by Founders International. Its leader, Dan Liu, indicated in the video aimed at Chinese investors in Asia that recent non-golf related financial issues in China could be covered by the “sale of properties” in the U.S. Many of those properties include the Myrtle Beach area golf courses which the financial group behind Founders has owned for less than two years. Reports are that conditions at Pawleys Plantation have deteriorated since the soaking rains of last October, including the collapse of a small portion of the dike that holds the tee boxes for the par 3 13th and 17th holes; as of last week, not much repair work had been done.  Anyone interested in Myrtle Beach as a destination for a primary or second home –- some excellent buys still available -– or for a golf vacation, please contact me for the latest on the China issue.
Pawleys 10 approachChina-based owners of golf courses in the Myrtle Beach area are facing financial difficulties and have hinted that their golf courses might be for sale. Shown is the approach to the 10th hole at Jack Nicklaus' Pawleys Plantation in Pawleys Island.

Tuesday, 17 May 2016 16:25

Dick McAuliffe, RIP

        Dick McAuliffe, who died earlier this week in Farmington, CT, was a tough baseball player who had a zero tolerance policy for pitchers who threw fastballs near his head. Tommy John learned that during the 1968 season when McAuliffe charged the mound and separated John's shoulder. The shortstop was suspended for five games, all of which the Tigers lost. The pitcher missed the rest of the season. Those who weren't his teammates thought McAuliffe was mean, as well as tough. His nickname was "Mad Dog."
        The meanness part wasn't deserved, at least by the Dick McAuliffe with whom I played a competitive round of golf in 1986. More than a decade past his retirement from baseball and now in the dry cleaning business near his native Hartford, CT, McAuliffe maintained a handicap of three, and had a reputation for competitive toughness at our club, Hop Meadow Country Club in Simsbury. He was inventive as well. Long before top PGA tour professionals started using the cross-handed putting grip, McAuliffe used it -- for all his shots, including drives off the tee box. If you recall his batting stance -- wide open in the extreme -- you know he wasn't afraid of bucking convention in the name of competitiveness.
        In 1986, during a three-day member/member tournament at Hop Meadow, my partner and I were in third place; McAuliffe and his partner were in first, and we faced them in the pivotal seventh match of the weekend event. Our match with them was tied going to the final hole, the

McAuliffe conceded the 15-foot par putt to my partner, giving me a free run on my 45-footer.

severely downhill par 3 9th. My partner lofted his shot into a bunker to the right of the large, round green, which sloped up from front to back. My shot found the left front edge of the green, a good 45 feet from the hole at the back right. McAuliffe hit a beautiful shot pin high, five feet to the left of the hole. My partner hit his sand shot 15 feet from the pin and McAuliffe, supremely confident that he would make his birdie putt to win the match -- and having watched me putt for eight prior holes not at all worried I would get close to the hole -- conceded the 15-footer. But that gave me a free ride on my ridiculously long birdie putt; I made the best stroke of our 63 weekend holes, it hit the back of the cup hard, popped up and dropped in.
        McAuliffe must have realized what he had done because he pretty much shanked his five-footer. We won the match, the flight, and about $500 each, jumping from third place to first in just one putt. McAuliffe's team went from first to third. We all shook hands on the green, as golfers and gentleman do, but inside I was gloating, feeling as if my team had won the World Series. The setup, though, was an act of supreme generosity that some might consider an error of judgment. I don't.
        Rest in peace, Dick.

        The Ten Commandments of Real Estate could very well have the same word written from top to bottom –- Location. The closer a home is located to a popular urban area with plenty of services, the higher the price on a comparative basis. The proposition reaches its most absurd levels in cities like San Francisco and New York, where both sales and rentals routinely command more than $1,000 per square foot for even the most modest spaces.
        The formula is generally true of golf communities as well. The closer a high-quality golf community is located within an easy drive of a popular major urban area, the higher the prices that golf community will command. Thus you will be hard pressed in many communities near Charleston, SC, or the Triad of Raleigh, Durham and Chapel Hill to find homes priced at much under $200 per square foot. One unsurprising reason for this is that urban areas tend to feature high-paying jobs; therefore, well-paid working people are vying for the same golf real estate that retirees are looking for, and if supply is steady –- which it is in most golf communities today –- then demand pushes prices up. Proximity to services appeals across all demographics.
SLVTara fairwayThe Tara Course at Savannah Lakes Village, one of two 18-hole layouts there, features significant elevation changes. A full-golf membership in both clubs is just $3,000 per year.
        That isn’t to say some high-end, high-price golf communities can’t flourish in out-of-the-way locations, far from urban sprawl. No one will ever accuse The Reserve at Lake Keowee or the nearby Cliffs group of communities of appealing to the bargain-oriented crowd; home prices in those communities start around $500,000 and a full-golf membership commands $50,000 and more. But, in general, the more rural a golf community, the lower the prices. (We know of a few communities where homes facing a lake are priced at $100 per square foot and less; but more about that later.)
        Of course, a couple who has spent their married lives living just outside New York or Chicago or inside the city itself are going to have a period of adjustment living out in the country, if indeed they ever adjust. It took me three or four years to “learn” how to sleep in suburban Connecticut in the 1980s after living in New York City for five. In New York, I had gotten used to ambulance sirens and truck exhaust backfires in the middle of the night, but in Connecticut, at first, every cricket chirp sounded like a shotgun blast to me. But I eventually adjusted because, well, I had to.
        In this month’s Home On The Course newsletter, we interview a couple who have lived for the last decade at Savannah Lakes Village in McCormick, SC. You don’t find many golf communities in a more rural location than Savannah Lakes; but those who do their golf community shopping via a Google map may be missing out on the real estate bargain of their lives, whether at Savannah Lakes or another of the many remotely located golf communities in the Southeast. With some homes priced at less than $100 per square foot, a few of them with views of beautiful Lake Thurmond, and a cost of living as much as 50% less than what many of us are used to, it is a good idea to listen to how one couple has both managed and thrived in a rural setting.
        If you are not a subscriber to our free newsletter, sign-up is easy. Just click here, provide your email address, and we will send you the May edition of Home On The Course. Click the archives button at the top of this page if you would like to survey the dozens of newsletters we have published to date.

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