Time Running Out on Energy Credits

  • Pete Sickman-Garner and his daughter Robin with their new high efficiency freezer. After getting rid of a 25-year old energy hogging fridge, insulating their house, and putting in new storm windows, their gas and electric bills are much lower. (Photo by Rebecca Williams)

One thing is clear… energy prices are just going to keep going up. If you’ve been thinking about making your house more energy efficient, now’s the time. That’s because a federal tax credit will be running out in a few months. Rebecca Williams has more:

Transcript

One thing is clear… energy prices are just going to keep going up. If you’ve been thinking about making your house more energy efficient, now’s the time. That’s because a federal tax credit will be running out in a few months. Rebecca Williams has more:

Pete Sickman-Garner didn’t have any trouble finding the leaks in his house. It was built in the 1940’s… with pretty much zero insulation.

“It was cold! There were nights my daughter woke up because she was had rolled over and touched the wall and it was so cold it woke her up.”

And there were those huge gas and electric bills in the dead of winter. He says he and his wife knew they really needed to seal up the house. So they hired a guy to blow insulation into the walls. And they put up new storm windows.

“It was roughly a $4000 home improvement so not insignificant. But so far we’ve gotten back $900 on our gas bill… it should pay for itself easily within 5 years.”

And on top of that they got a tax credit.

There was a pretty huge tax incentive last year for making your home more energy efficient… and it’s happening again this year. But it’s winding down. You only have eight months left.

Here’s how it works: the government will essentially pay you to make your home more efficient. Little purchases like weather stripping count. Bigger things like insulation and storm windows do too. And so do the really big things like a new furnace or central air conditioner. You can get a tax credit for 30 percent of the cost of these things… up to 15-hundred dollars total for all of your purchases. That’s money sliced right off your tax bill.

But like most things with the word “tax” in them… these home energy tax credits can get complicated.

Insulation and air conditioners and windows have to meet certain codes. You can’t go by the Energy Star label alone. On top of that… you can include the cost of installing heating and cooling equipment in your tax credit. But you can’t include those installation costs for anything else. So here’s where it’s good to call in a tax credit pro to help you wade through the details.

Ronnie Kweller is with the Alliance to Save Energy.

“When you go shopping, definitely ask the retailer: do these items qualify for the federal tax credits?”

Kweller says the best place to start is to make sure you have enough insulation for your climate. And then, seal up the little leaks in your house. You could pay three to five hundred dollars for an energy audit. Or… you can try this trick: close all the windows and doors… turn on your kitchen and bathroom exhaust fans. And then:

“Light, say, a stick of incense and just walk around the perimeter of your house on the inside, holding incense around the edges of windows and doors and if you see smoke blowing in towards you whether or not you can feel air coming in, you’ll know there is some air leak.”

She says sealing up those leaks can save you as much as 20 percent on your energy bills.

And a lot of the little – and big – things you do can count toward your 15-hundred dollar credit.

The thing is, most people tend to think about their taxes at the end of the year. Unfortunately for some businesses… that means they’re slammed when the weather’s the worst.

Donna Napolitano runs Mechanical Energy Systems. They sell all kinds of high efficiency heating and cooling equipment. She says people were squeaking in their big purchases right up until December last year.

“It was crazy here! We were installing every day and we had to combat against the weather, I mean hello, summer’s here it’s a great time to put systems in now!”

Unless this tax credit gets extended… you only have a few more months. Everything has to be paid for and installed by December 31st. So if you’re a procrastinator… you might want to start thinking about your projects sometime soon.

For The Environment Report, I’m Rebecca Williams.

“By the way… if you want to do extremely efficient installations like solar panels and geothermal heating and cooling systems, that 30-percent tax credit is not capped at 15-hundred dollars and does not run out this year.”

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Financing Energy Efficiency

  • More than half the houses in the U.S. were built before 1970. (Photo courtesy of the National Renewable Energy Laborator)

Reducing your carbon footprint
by using less energy can cost
money. Efficient cars, energy
efficient homes, and energy-saving
appliances all take money. That’s
why some states are testing whether
homeowners would be willing
to borrow money to upgrade their
homes and, in turn, save a few
bucks in energy costs. In one
state, the plan is to get private
banks and credit unions to finance
energy efficiency. Peter Payette reports:

Transcript

Reducing your carbon footprint
by using less energy can cost
money. Efficient cars, energy
efficient homes, and energy-saving
appliances all take money. That’s
why some states are testing whether
homeowners would be willing
to borrow money to upgrade their
homes and, in turn, save a few
bucks in energy costs. In one
state, the plan is to get private
banks and credit unions to finance
energy efficiency. Peter Payette reports:

When you hear green building, you might think of a fancy new house with solar panels. But most homes are not new, so reducing the amount of energy communities use means doing something about old houses.

Max Strickland owns a business in Michigan that certifies green homes and buildings. He says more than half the houses in the U.S. were built before 1970.

“We had very little energy code requirements previous to that.”

But upgrades cost money that many homes owners don’t always have. And a lot of people saw whatever equity they had in their house disappear during the past couple of years.

Now, the State of Michigan is trying to help people find the money to make their homes more energy efficient. The program is called Michigan Saves. The state launched the pilot project in a rural area of the state. The pilot is a collaboration of a local credit union, an electric cooperative and a building supply company.
Borrowers will have their new payment tacked onto their monthly utility bill.

Trevor Williams is with Brown Lumber, the building supply company involved in the pilot. Williams says it’s likely most of the improvements will be in heating costs. He says to begin with, home owners will be encouraged to have an energy audit.

“The audit it would say things that need to be done, the top three things that are recommended. Furnace replacement, ceiling ducts and weatherizing the house those going to be the three most common items.”

But homeowners can also borrow money for new energy efficient appliances like refrigerators and hot water heaters. Sometimes loans like this are promoted as immediately paying for themselves. That is, it’s suggested the money you save on your utility bills will fully cover your new payment. That’s not necessarily the case.

Marc McKeller is with Members Credit Union which is financing the project. He says after a few years, people will be able to break even on the costs. Government tax incentives and other rebates will help that happen. But McKellar says people shouldn’t expect to take out a loan, retrofit their house and not have more to pay each month.

“The only way it could be was if a government was to give zero percent loans out and that they received tremendous rebates from the utilities and that they received a tremendous government credit.”


But, McKellar says it’s still a good deal. The interest rate for project’s loans will be a little bit better because the state is backing the loans.

And tight credit means not many banks are loaning people money to make their house energy efficient and not many people are putting money into a home that’s lost value because of the housing market bust. That’s one of the reasons they need to run a pilot project.

“They’re trying to determine through this study, how do you get a consumer to actually do this and what are the benefits?”

The directors of Michigan Saves hope to roll out a statewide program later this year. So far no banks have agreed to participate but there are other credit unions interested in the concept.

For The Environment Report, I’m Peter Payette.

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Red Tape Behind Green Living

  • For simple weatherizing - insulation, weather stripping, windows - the tax credits apply to 30% of the cost of materials, not the labor. (Photo courtesy of the National Renewable Energy Laboratory)

Tax credits for making your home
more energy efficient got a lot
of early buzz. The promise of up
to 1500-dollars back for insulation
and windows or efficient furnaces
led to a flurry of advertising.
Tamara Keith looks
into what might be stopping people
from taking advantage of the tax
credits:

Transcript

Tax credits for making your home
more energy efficient got a lot
of early buzz. The promise of up
to 1500-dollars back for insulation
and windows or efficient furnaces
led to a flurry of advertising.
Tamara Keith looks
into what might be stopping people
from taking advantage of the tax
credits:

My husband and I recently bought an older house that could no doubt use
some weatherizing. So, I called up Reuven Walder at EcoBeco.

(sound of door opening, people saying hello)

He’s a home energy auditor. He identifies ways to make a home more
efficient.

“I joke around, I consider myself an energy efficiency social worker.”

And he’s been getting a lot of calls lately from people like me – looking
to take advantage of the tax credits.

“Let’s look around the house and you can point out some things that are
of concern to you.”

Walder has all these cool tools, like an infrared camera that can see where
the insulation isn’t doing its job. He finds plenty of trouble spots,
including one in the attic.

“And if you put your hand in this little pocket here you can feel nice
cool air.”

That’s not supposed to happen.

“I’ll be honest with you. When I find these kinds of things, it makes my
day, because we get to fix them.”

Well, not all the time. Walder says only about a third of the homeowners he
works with actually follow through on his recommendations.

“I have talked to numerous homeowners and their primary reason for not
doing it is money.”

He says the tax credits are a great shot in the arm, but, for many people,
it’s just not enough. Part of the problem is, for simple weatherizing –
insulation, weather stripping, windows – the tax credits apply to 30% of
the cost of materials, not the labor. And labor is actually the most
expensive part.

“Our economy is just so slow right now that people are just hesitant to
spend any amount of money because, regardless of the incentive, they’re
still going to have to spend a lot of money to make the improvement. It’s
not going to cover a significant portion of the cost.”

At this point, federal officials don’t know how many people have been
inspired by the stimulus package to do work on their homes. They won’t know
until everyone files their taxes in April.

“It’s definitely driving additional business.”

Matt Golden is president of Efficiency First – the national association for
the home performance retrofitting industry. But he isn’t totally sold on
the way the stimulus package is distributing the tax credits.

“The biggest incentives are for the most expensive fanciest equipment and
as you move towards the most cost effective stuff, you get much smaller,
incremental incentives.”

So, there’s big money for solar panels and geothermal heating systems. And
if you want to put in a tank-less hot water heater or a super efficient
furnace, here labor costs can be counted towards tax credits. Golden says
the smallest credits go to insulation and other simple steps.

“It’s actually kind of an impediment to the type of retrofitting projects
that have the biggest return on investment, bang for the buck and create
the most jobs.”

In my house, Walder estimates we need almost $6,000 worth of work. But,
because not all of it qualifies, I’ll only get $600 of it back from the
government – but we won’t see the money until tax season.

I’ll admit – it’s a lot more money with a lot less of a tax benefit than I
was expecting, and that’s probably what’s giving some homeowners pause.

For The Environment Report, I’m Tamara Keith.

Related Links

Solar Panel Prices Drop

  • Experts say one of the main reasons solar is cheaper is because of Spain. (Photo courtesy of National Renewable Energy Laboratory)

There’s a big push to find alternative sources of energy. Problem is, a lot of alternative energy is just too darn expensive. The cost of solar energy, however, is on the decline. Jennifer Guerra reports:

Transcript

There’s a big push to find alternative sources of energy. Problem is, a lot of alternative energy is just too darn expensive. The cost of solar energy, however, is on the decline. Jennifer Guerra reports:

The price of solar panels took a huge drop this year.

Experts say one of the main reasons solar is cheaper is because of Spain.

The country is a big buyer of solar panels, or what are called PV modules, largely because Spain offers generous incentives for people who buy them.

Galen Barbose is with a federal research lab in Berkley, California. He says, because of the economic crisis, Spain had to slash those incentives.

“And so demand in Spain dropped fairly significantly. And so what we’ve seen over the past year is a glut in the global supply of PV modules. And that has led to a fairly significant drop of the wholesale price of PV modules.”

The cost of solar still isn’t on par with conventional energy, but Barbose says things are headed in that direction.

For The Environment Report, I’m Jennifer Guerra.

Related Links

Green Crime: Stealing Solar Panels

  • Solar panels were recently stolen off the community rec center in Carbondale, Colorado. The building is one of the greenest building in the state. (Photo courtesy of Lynn Burton)

Solar panels are expensive and
increasingly in demand. And now,
many communities are learning of
their solar array’s value the hard
way – they’re being stolen. Conrad
Wilson tells up about this new type
of “green crime:”

Transcript

Solar panels are expensive and
increasingly in demand. And now,
many communities are learning of
their solar array’s value the hard
way – they’re being stolen. Conrad
Wilson tells up about this new type
of “green crime:”

Solar panels are expensive and they’re increasingly in demand throughout the
world, so it sands to reason solar panels have become an attractive target for
criminals.

Recently, 30 panels were stolen from one of the “greenest” buildings in Colorado.
Ninety solar panels valued at $135,000 were swiped off a waste water treatment
plant outside San Francisco.

Monique Hannis is a spokesperson for the Solar Energy Industries Association.
She says, over the last year, solar theft has become a greater concern.

“It’s really just emerged as an issue we need to be watching, really, in the last
year. And the reason is, as solar becomes more prevalent and people
understand the value of the solar panels, it’s just like any other target for theft.”

Currently the group doesn’t track the crimes, but since more panels are
disappearing Hannis says they’ll likely start.

This type of “green crime” is nothing new in developing countries. Lori Stone is
international program manager for Solar Energy International. It’s a Colorado-
based nonprofit that trains students world-wide for careers in the solar industry.
Stone says in some cases the solar panels are gone just days after they’re
installed.

“If somebody really wants to steal solar panels, it’s pretty hard to keep them from
doing it. You know, there’s some new things that are coming out now with ways
to lock them and stuff, but they’re costly and so a lot of these developing country
systems, solar home systems, are pretty easy to take.”

In Kenya, last September, thieves unsuccessfully tried to swipe solar panels on
the house belonging to President Obama’s 86 year-old step-grandmother.

As the solar industry becomes more established, security is gearing up. It’s
becoming part of installing a solar array.

The Solar Industry’s Hannis says manufactures are making things harder for
thieves by adding tracking numbers as part of a recycling program.

“This same system could be used to at least track the location of panels, the
rightful owner of panels going forward, similar to a VIN number of a car.”

Hannis says consumers should be wary of purchasing panels from online sites
such as eBay or Craigslist because they could be buying stolen panels.

To ward off thefts, some go so far as to post night watchmen. Other larger arrays
are equipped with cameras and fences. But there’re also more affordable
options.

Bryce Campbell is president of Bryce Fastener Company, an Arizona based
business that specializes in a unique type of security bolt that acts like a key. The
bolts cost about two dollars per panel.

“The solar industry is starting to say, ‘Hey, what do we do?’ Ha ha. Are we going
to up security systems up here, cameras? Not really effective in places where
most of these solar arrays are laid out.”

Campbell says solar companies began contacting him about a year and a half
ago. Now he gets orders daily.

For Campbell, it makes sense considering people are parking thousands of
dollars on roof-tops and in fields.

For The Environment Report, I’m Conrad Wilson.

Related Links

Stimulus Dollars for Your House

  • A 1.4 ton geothermal heat pump unit at an elementary school. Stimulus credits did boost sales of geothermal systems – the most efficient systems out there. (Photo courtesy of the National Renewable Energy Laboratory)

The Cash for Clunkers program is
not the only government incentive
for energy efficiency. The stimulus
package has incentives to make homes
more energy efficient. Mark Brush
took a look into the bigger part of
the tax credits – new home heating
and cooling systems:

Transcript

The Cash for Clunkers program is
not the only government incentive
for energy efficiency. The stimulus
package has incentives to make homes
more energy efficient. Mark Brush
took a look into the bigger part of
the tax credits – new home heating
and cooling systems:

Homeowners can get 30% of the cost of a new heating or cooling system refunded on their taxes. For most systems the government caps the refund at $1,500.

Trade groups say the credits didn’t do much for air conditioning sales this summer. They say the types of air conditioning systems eligible for the credit are just too expensive.

But energy efficient furnaces cost a lot less – so trade groups do expect the tax credits to boost furnace sales.

Francis Dietz is with the Air Conditioning, Heating, and Refrigeration Institute. He says the credits did boost sales of geothermal systems – the most efficient systems out there.

“That was a bright spot. That is a 30% uncapped tax credit. So basically a homeowner who has a geothermal heat pump installed can get back, as a credit, 30% of the cost of that.”

That’s a big help – because geothermal systems can cost between $15,000 to $28,000 to install.


For The Environment Report, I’m Mark Brush.

Related Links

Tax Incentives Put Solar Within Reach

  • Eric Lindstrom, Vice President of Cannon Design, stands next to the building's 140 new solar panels (Photo by Joyce Kryszak)

Buying a solar system for your home still is not as simple or inexpensive as say picking up a new water heater. But solar energy advocates argue that the systems are affordable and obtainable for just about everyone – right now. Joyce Kryszak checked out that claim:

Transcript

Buying a solar system for your home still is not as simple or inexpensive as say picking up a new water heater. But solar energy advocates argue that the systems are affordable and obtainable for just about everyone – right now. Joyce Kryszak checked out that claim:

You might say that sunlight is a trade mark for Cannon Design. The Western New York based firm designs some of the most solar friendly buildings in the world. But only now is Cannon using the sun for its own building.

Eric Lindstrom is Vice President of the company. He says it’s what their environmentally savvy clients expect.

“You know there’s a huge P.R. factor here that we can bring our clients in and say, you know, this is what we’re recommending to you, but we’ve done it ourselves and it works. That we didn’t just read it in a magazine somewhere and say this is what you should be doing.”

Lindstrom takes us up on the roof of the company’s building to have a look at the new system.

Up here we find solar panels. 140 of them. They’re stretched out from edge to edge, soaking up the rays.

Lindstrom says they generate about 5% of the energy the building needs. But he says even at that small percentage the company will recoup the roughly $17,000 investment in about three years.

The system’s total price tag is actually about $170,000. But Cannon Design got corporate tax credits and incentives that covered roughly 90%. After the pay-back period, Linstrom says the company will actually pocket money.

Back in the building they can watch the savings add up on the inverter meters inside. That got Lindstrom thinking. He got a bid on a system for his home. He’s decided against it for now because the payback would take about eight years. You see, businesses get more tax breaks than homeowners.

But some people say the payback time can be less. And sometimes it just doesn’t’ matter to them.

Joan Bozer was at the American Solar Energy Society Conference held in Buffalo, New York. Bozer was showing off pictures of her home’s $30,000 solar system. It cost her half that after incentives. The payback will take a while—about eight years. But Bozer says that’s okay.

“Because it doesn’t make any difference to me if it’s five years or ten years what the payback period is. I want the solar panels, like people in their house they put on the roof they want, or they put on what they want and this is what we want – solar panels on the roof. That’s how we want to do it.”

But as green-minded as she is, Bozer admits that federal and state incentives gave her the final push.

While everybody can take advantage of recent federal tax credits, state incentives vary. Some are generous, and some offer homeowners nothing. Some local governments are offering low-interest loans on top of the federal and state incentives.

Neal Lurie is with the Solar Society. Lurie says incentives are creating demand and that’s driving down the cost of solar systems.
He says systems cost about 30% less than last year.

Lurie says with lower prices and tax incentives, some homeowners can have solar without much – or no – money out of pocket.

But how soon will solar catch on with the masses? Lurie predicts in less than six years.

“We’ll see solar technology a low-cost provider of electricity, even lower priced than fossil fuels without incentives. I think that when that happens we’re going to see it go from being something that people are looking at and starting to do to something that is truly common-place, much more than people may actually expect today.”

Others think solar will really take off in just three years. Solar installers are already gearing up. Some say they’ll double their workforce by the end of this year.

For The Environment Report – I’m Joyce Kryszak.

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Compromise on Cash for Clunkers

  • In order to qualify an old vehicle must get less than 18 miles per gallon. (Photo source: IFCAR at Wikimedia Commons)

After a meeting with the White House, Members of Congress appear to be close to a deal
on a so-called “cash for clunkers” program. But Tamara Keith reports critics say the
compromise members have come up with won’t do much for the environment:

Transcript

After a meeting with the White House, Members of Congress appear to be close to a deal
on a so-called “cash for clunkers” program. But Tamara Keith reports critics say the
compromise members have come up with won’t do much for the environment:

The “cash for clunkers” program has wide support as good for the environment; good for
the ailing auto industry.

Car owners would get a voucher towards a new fuel efficient car when they scrap their
old gas guzzler. In order to qualify an old vehicle must get less than 18 miles per gallon.
But a new car that does just 4 miles per gallon better earns a $3,500 reward. A
10 MPG improvement brings $4,500.

Critics say many of the new replacement vehicles would fall well short of the
government’s average fuel economy standards.

Congressman John Dingell from Michigan says the critics are missing the point: the new
cars will be more fuel efficient than the ones that are getting junked.

“What they aught to ask is, ‘what is this going to mean in terms of increased fuel
efficiency and reduced CO2 emissions.’ The result will be substantial.”

Of course the deal isn’t really done until it is approved by Congress. If it passes, the
President is expected to sign it.

For The Environment Report, I’m Tamara Keith.

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Cap and Trade Calculations

  • Economists say if a cap and trade plan passes, energy prices will go up no matter what (Photo courtesy of aoc.gov)

President Obama and some leaders in Congress want to take on global warming by cutting back on carbon dioxide. The big plan is called carbon cap and trade. If the plan passes, economists say there’s no doubt your bills will go up, though there’s debate about how much. Mark Brush reports on one of the biggest sticking points in these carbon cap and trade plans:

Transcript

President Obama and some leaders in Congress want to take on global warming by cutting back on carbon dioxide. The big plan is called carbon cap and trade. If the plan passes, economists say there’s no doubt your bills will go up, though there’s debate about how much. Mark Brush reports on one of the biggest sticking points in these carbon cap and trade plans:

Under some of the cap and trade plans, oil and gas companies would have to buy pollution permits.

But these companies want them for free.

They say if they’re forced to pay, they’ll have to pass the cost onto you and me.

But economists say if a cap and trade plan passes, energy prices will go up no matter what.

That’s because things like coal, oil, and natural gas will be restriced.

And they say that’s what drives prices up.

Chad Stone is the Chief Economist for the Center on Budget and Policy Priorities.

He says if pollution permits are bought at an auction, the money can be passed onto you and me. But it’s different if they’re just given away for free.

“If you don’t auction, you don’t have any revenue and consumers only get a hit to their budgets.”

Stone says if the pollution permits are auctioned, you could be getting a check in the mail or a tax credit to help you pay for higher energy bills.

For The Environment Report, I’m Mark Brush.

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Tapping Into Tax Savings for Your Home

  • Insulating your home is one of the things the Alliance to Save Energy says you can do to save energy and earn up to 1,500 dollars in tax credits. (Photo courtesy of the EPA)

Tax credits have been extended and expanded for people who want to make their homes more energy efficient. Lester Graham spoke with Ronnie Kweller about that. She’s with the Alliance to Save Energy:

Transcript

Tax credits have been extended and expanded for people who want to make their homes more energy efficient. Lester Graham spoke with Ronnie Kweller about that. She’s with the Alliance to Save Energy:

Lester Graham: Ronnie, this stimulus package offers people a chance to save some money if they decide to insulate their home, or replace their heating or cooling system. How much is available?

Ronnie Kweller: Right now, up to $1500 – which is three times the amount that was available under earlier legislation. They also expand the percentage of the cost that can be covered, from 10% in the case of some of the items under the old law to 30%. The other good thing is that the tax credits have been extended through 2010. Originally, they were only for this calendar year. So I think that gives folks some opportunity to save and budget for some of these higher-ticket items, and get them in place between now and 2010, and still get that $1500 off their taxes.

Graham: Now, let’s say I want to replace my old water heater. How much could I get back in tax credit next year?

Kweller: 30%, up to $1500 – that’s if the water heater cost $5000, which probably it’s not that expensive.

Graham: This is a tax credit, not a tax deduction. What’s the difference?

Kweller: That is correct. A tax deduction means you take the amount off your taxable income and then you’re taxed on a lower amount of income. A tax credit is worth more, because once you have calculated the tax that you owe, it’s a dollar for dollar reduction in that tax bill.

Graham: What kind of energy efficiencies make the most sense for a home? If I’m looking at my house, where should I start making changes first?

Kweller: The thing that we usually recommend as the first step is to seal and tighten up the house with sufficient insulation for your climate region. And then sealing leaks and cracks around doors and windows with sealing product, such as caulking, weather-stripping, and foam sealants. And the good news is that all those types of products are now eligible for these tax credits. Again, assuming that they meet the standards that are in the law.

Graham: We tend to think of the Environmental Protection Agency’s Energy Star program as an assurance we’re buying an energy efficient product, but I understand not all Energy Star labeled products qualify for these tax credits.

Kweller: That’s correct. The one change that makes life a little bit more complicated for consumers is that under the old law, all energy star windows qualified for a tax credit. Now, there are certain additional requirements for the windows, as well as for the heating and cooling equipment. So, you can’t just go buy the Energy Star label, you really have to look at the very specific energy efficiency levels that these products must meet.

Graham: So, if I need details on that kind of requirement, where’s the best place to find them?

Kweller: One of the best places would be the Alliance Energy’s website at ase.org/taxcredits. We’ve made a great effort to have a user-friendly website that spells out the criteria in very clear language. The Energy Star website at energystar.gov is always very helpful in general on energy efficiency, as is the Department of Energy’s Energy Saver’s Booklet, which is at energysavers.gov.

Graham: Alright, thanks for joining us.

Kweller: Thank you.

Graham: Ronnie Kweller is with the Alliance to Save Energy. I’m Lester Graham.

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