From: Subject: Electronic Code of Federal Regulations: Date: Fri, 11 Jan 2008 14:18:37 -0500 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C8545C.DB66F020" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3198 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr;rgn=div5;view=text;node=15%3A1.1.1.1.24;idno=15;sid=fa6a7679b4c566f1728f36f95a6f15ae;cc=ecfr Electronic Code of Federal Regulations:
3D"GPO
=20

advanced
= =20
3D"Navigation
3DAbout.3DHelp.=203D"Buy3DLegislative.3DExecutive.3DJudicial.
3D"
3D"National=20
<= /TR> =
3D"Database
3D"
=95
 Browse
=95
 Simple=20 Search
=95
 Advanced Search
*=20 Boolean
  * Proximity
=95 Search=20 History
=95 Search=20 Tips
=95
 Correctio= ns
=95

Latest=20 Updates

=95 User=20 Info
=95 FAQs
=95
 Agency=20 List
=95
 e-CFR=20 Main Page
3D"
3D"Related
3D"
=95
 Code of = Federal=20 Regulations
=95
 Federal=20 Register
=95
 List of=20 CFR
Sections Affected
=95
 Regulations.gov
=95
 Unified=20 Agenda
=95
 All NARA=20 Publications
3D"
3D"About
3D"
3D"Ben's
3D"
=20
3D"

Home=20 Page > Executive=20 Branch > Code of=20 Federal Regulations > Electronic Code of Federal = Regulations

3D"blue
e-CFR=20 Data is current as of January 9, 2008


Title 15:=20 Commerce and Foreign Trade

Browse=20 Previous | Browse=20 Next

PART 19=97COMMERCE DEBT COLLECTION
Section Contents

Subpart=20 A=97General Provisions

=A7 19.1  &nbs= p;What=20 definitions apply to the regulations in this = Part?
=A7 19.2  &nbs= p;Why=20 has the Commerce Department issuing these regulations and what do = they=20 cover?
=A7 19.3  &nbs= p;Do=20 these regulations adopt the Federal Claims Collection Standards=20 (FCCS)?

Subpart=20 B=97Procedures To Collect Commerce=20 Debts

=A7 19.4  &nbs= p;What=20 notice will Commerce entities send to a debtor when collecting a = Commerce=20 debt?
=A7 19.5  &nbs= p;How=20 will Commerce entities add interest, penalty charges, and = administrative=20 costs to a Commerce debt?
=A7 19.6  &nbs= p;When=20 will Commerce entities allow a debtor to pay a Commerce debt in=20 installments instead of one lump sum?
=A7 19.7  &nbs= p;When=20 will Commerce entities compromise a Commerce = debt?
=A7 19.8  &nbs= p;When=20 will Commerce entities suspend or terminate debt collection on a = Commerce=20 debt?
=A7 19.9  &nbs= p;When=20 will Commerce entities transfer a Commerce debt to the Treasury=20 Department's Financial Management Service for=20 collection?
=A7 19.10  &nb= sp;How=20 will Commerce entities use administrative offset (offset of = non-tax=20 Federal payments) to collect a Commerce debt?
=A7 19.11  &nb= sp;How=20 will Commerce entities use tax refund offset to collect a Commerce = debt?
=A7 19.12  &nb= sp;How=20 will Commerce entities offset a Federal employee's salary to = collect a=20 Commerce debt?
=A7 19.13  &n= bsp;How=20 will Commerce entities use administrative wage garnishment to = collect a=20 Commerce debt from a debtor's wages?
=A7 19.14  &n= bsp;How=20 will Commerce entities report Commerce debts to credit=20 bureaus?
=A7 19.15  &n= bsp;How=20 will Commerce entities refer Commerce debts to private collection=20 agencies?
=A7 19.16  &n= bsp;When=20 will Commerce entities refer Commerce debts to the Department of=20 Justice?
=A7 19.17  &n= bsp;Will=20 a debtor who owes a Commerce or other Federal agency debt, and = persons=20 controlled by or controlling such debtors, be ineligible for = Federal loan=20 assistance, grants, cooperative agreements, or other sources of = Federal=20 funds or for Federal licenses, permits or = privileges?
=A7 19.18  &n= bsp;How=20 does a debtor request a special review based on a change in = circumstances=20 such as catastrophic illness, divorce, death, or=20 disability?
=A7 19.19  &n= bsp;Will=20 Commerce entities issue a refund if money is erroneously collected = on a=20 Commerce debt?

Subpart=20 C=97Procedures for Offset of Commerce Department Payments To = Collect Debts=20 Owed to Other Federal = Agencies

=A7 19.20  &nb= sp;How=20 do other Federal agencies use the offset process to collect debts = from=20 payments issued by a Commerce entity?
=A7 19.21  &nb= sp;What=20 does a Commerce entity do upon receipt of a request to offset the = salary=20 of a Commerce entity employee to collect a debt owed by the = employee to=20 another Federal agency?

Authority:   31 U.S.C. 3701, = et seq.=20

Source:   72 FR 18871, Apr. = 16, 2007,=20 unless otherwise noted.

Subpart A=97General Provisions
=20 top
=A7 19.1   What definitions apply to the = regulations=20 in this Part?
=20 top

As used in this Part:

Administrative offset or offset means withholding = funds=20 payable by the United States (including funds payable by the = United States=20 on behalf of a state government) to, or held by the United States = for, a=20 person to satisfy a debt owed by the person. The term = =93administrative=20 offset=94 can include, but is not limited to, the offset of = Federal salary,=20 vendor, retirement, and Social Security benefit payments. The = terms=20 =93centralized administrative offset=94 and =93centralized = offset=94 refer to the=20 process by which the Treasury Department's Financial Management = Service=20 offsets Federal payments through the Treasury Offset Program.

Administrative wage garnishment means the process by = which a=20 Federal agency orders a non-Federal employer to withhold amounts = from a=20 debtor's wages to satisfy a debt, as authorized by 31 U.S.C. = 3720D, 31 CFR=20 285.11, and this Part.

Agency or Federal agency means a department, = agency,=20 court, court administrative office, or instrumentality in the = executive,=20 judicial, or legislative branch of the Federal Government, = including=20 government corporations.

Commerce debt means a debt owed to a Commerce entity by = a=20 person.

Commerce Department means the United States Department = of=20 Commerce.

Commerce entity means a component of the Commerce = Department,=20 including offices or bureaus. Commerce offices currently include = the=20 Office of the Secretary of Commerce, and the Office of Inspector = General.=20 Commerce bureaus currently include the Bureau of Industry and = Security,=20 the Economics and Statistics Administration (including the Bureau = of=20 Economic Analysis, and the Bureau of the Census), the Economic = Development=20 Administration, the International Trade Administration, the = Minority=20 Business Development Agency, the National Oceanic and Atmospheric=20 Administration, the National Telecommunications and Information=20 Administration, the U.S. Patent and Trademark Office, and the = Technology=20 Administration (including the National Institute of Standards and=20 Technology, and the National Technical Information Service).

Creditor agency means any Federal agency that is owed a=20 debt.

Day means calendar day except when express reference is = made to=20 business day, which reference shall mean Monday through Friday. = For=20 purposes of time computation, the last day of the period provided = will be=20 included in the calculation unless that day is a Saturday, a = Sunday, or a=20 Federal legal holiday; in which case, the next business day will = be=20 included.

Debt means any amount of money, funds or property that = has been=20 determined by an appropriate official of the Federal Government to = be owed=20 to the United States by a person. As used in this Part, the term = =93debt=94=20 can include a Commerce debt but does not include debts arising = under the=20 Internal Revenue Code of 1986 (26 U.S.C. 1 et seq. ).

Debtor means a person who owes a debt to the United = States.

Delinquent debt means a debt that has not been paid by = the date=20 specified in the agency's initial written demand for payment or = applicable=20 agreement or instrument (including a post-delinquency payment = agreement)=20 unless other satisfactory payment arrangements have been made.

Delinquent Commerce debt means a delinquent debt owed to = a=20 Commerce entity.

Disposable pay has the same meaning as that term is = defined in 5=20 CFR 550.1103.

Employee or Federal employee means a current = employee of=20 the Commerce Department or other Federal agency, including a = current=20 member of the uniformed services, including the Army, Navy, Air = Force,=20 Marine Corps, Coast Guard, Commissioned Corps of the National = Oceanic and=20 Atmospheric Administration, and Commissioned Corps of the Public = Health=20 Service, including the National Guard and the reserve forces of = the=20 uniformed services.

FCCS means the Federal Claims Collection Standards, = which were=20 jointly published by the Departments of the Treasury and Justice = and=20 codified at 31 CFR Parts 900=96904.

Financial Management Service means the Financial = Management=20 Service, a bureau of the Treasury Department, which is responsible = for the=20 centralized collection of delinquent debts through the offset of = Federal=20 payments and other means.

Payment agency or Federal payment agency means = any=20 Federal agency that transmits payment requests in the form of = certified=20 payment vouchers, or other similar forms, to a disbursing official = for=20 disbursement. The payment agency may be the agency that employs = the=20 debtor. In some cases, the Commerce Department may be both the = creditor=20 agency and payment agency.

Person means an individual, corporation, partnership,=20 association, organization, State or local government or any other = type of=20 entity other than a Federal agency.

Salary offset means a type of administrative offset to = collect a=20 debt under 5 CFR 5514 by deductions(s) at one or more officially=20 established pay intervals from the current pay account of an = employee=20 without his or her consent.

Secretary means the Secretary of Commerce.

Tax refund offset is defined in 31 CFR 285.2(a).

=A7 19.2   Why has the Commerce Department = issuing=20 these regulations and what do they cover?
=20 top

(a) Scope. This Part provides procedures for the = collection of=20 Commerce debts. This Part also provides procedures for collection = of other=20 debts owed to the United States when a request for offset of a = payment for=20 which Commerce is the payment agency is received by the Commerce=20 Department from another agency (for example, when a Commerce = Department=20 employee owes a debt to the United States Department of = Education).

(b) Applicability. (1) This Part applies to the Commerce = Department when collecting a Commerce debt, to persons who owe = Commerce=20 debts, to persons controlled by or controlling persons who owe = Federal=20 agency debts, and to Federal agencies requesting offset of a = payment=20 issued by the Commerce Department as a payment agency (including = salary=20 payments to Commerce Department employees).

(2) This Part does not apply to tax debts nor to any debt for = which=20 there is an indication of fraud or misrepresentation, as described = in=20 =A7900.3 of the FCCS, unless the debt is returned by the = Department of=20 Justice to the Commerce Department for handling.

(3) Nothing in this Part precludes collection or disposition of = any=20 debt under statutes and regulations other than those described in = this=20 Part. See, for example, 5 U.S.C. 5705, Advancements and = Deductions, which=20 authorizes Commerce entities to recover travel advances by offset = of up to=20 100% of a Federal employee's accrued pay. See, also, 5 U.S.C. = 4108,=20 governing the collection of training expenses. To the extent that = the=20 provisions of laws, other regulations, and Commerce Department = enforcement=20 policies differ from the provisions of this Part, those provisions = of law,=20 other regulations, and Commerce Department enforcement policies = apply to=20 the remission or mitigation of fines, penalties, and forfeitures, = and to=20 debts arising under the tariff laws of the United States, rather = than the=20 provisions of this Part.

(c) Additional policies and procedures. Commerce = entities may,=20 but are not required to, promulgate additional policies and = procedures=20 consistent with this Part, the FCCS, and other applicable Federal = law,=20 policies, and procedures, subject to the approval of Deputy Chief=20 Financial Officer.

(d) Duplication not required. Nothing in this Part = requires a=20 Commerce entity to duplicate notices or administrative proceedings = required by contract, this Part, or other laws or regulations, = including=20 but not limited to those required by financial assistance awards = such as=20 grants, cooperative agreements, loans or loan guarantees.

(e) Use of multiple collection remedies allowed. = Commerce=20 entities and other Federal agencies may simultaneously use = multiple=20 collection remedies to collect a debt, except as prohibited by = law. This=20 Part is intended to promote aggressive debt collection, using for = each=20 debt all available and appropriate collection remedies. These = remedies are=20 not listed in any prescribed order to provide Commerce entities = with=20 flexibility in determining which remedies will be most efficient = in=20 collecting the particular debt.

(f) All citations in this Part, such as to statutes, = regulations and=20 the Department of Commerce Credit and Debt Management Operating = Procedures=20 Handbook, are intended to be references to cited sources as each = currently=20 stands and as each may be amended from time to time.

=A7 19.3   Do these regulations adopt the = Federal=20 Claims Collection Standards (FCCS)?
=20 top

This Part adopts and incorporates all provisions of the FCCS. = This Part=20 also supplements the FCCS by prescribing procedures consistent = with the=20 FCCS, as necessary and appropriate for Commerce Department=20 operations.

Subpart B=97Procedures To Collect Commerce Debts
=20 top
=A7 19.4   What notice will Commerce = entities send=20 to a debtor when collecting a Commerce debt?
=20 top

(a) Notice requirements. Commerce entities shall = aggressively=20 collect Commerce debts. Commerce entities shall promptly send at = least one=20 written notice to a debtor informing the debtor of the = consequences of=20 failing to pay or otherwise resolve a Commerce debt. The notice(s) = shall=20 be sent to the debtor at the most current address of the debtor in = the=20 records of the Commerce entity collecting the Commerce debt. = Generally,=20 before starting the collection actions described in =A7=A719.5 and = 19.9=20 through 19.17 of this Part, Commerce entities will send no more = than two=20 written notices to the debtor. The notice(s) explain why the = Commerce debt=20 is owed, the amount of the Commerce debt, how a debtor may pay the = Commerce debt or make alternate repayment arrangements, how a = debtor may=20 review non-privileged documents related to the Commerce debt, how = a debtor=20 may dispute the Commerce debt, the collection remedies available = to=20 Commerce entities if the debtor refuses or otherwise fails to pay = the=20 Commerce debt, and other consequences to the debtor if the = Commerce debt=20 is not paid. Except as otherwise provided in paragraph (b) of this = section, the written notice(s) shall explain to the debtor:

(1) The nature and amount of the Commerce debt, and the facts = giving=20 rise to the Commerce debt;

(2) How interest, penalties, and administrative costs are added = to the=20 Commerce debt, the date by which payment should be made to avoid = such=20 charges, and that such assessments must be made unless excused in=20 accordance with 31 CFR 901.9 (see =A719.5 of this Part);

(3) The date by which payment should be made to avoid the = enforced=20 collection actions described in paragraph (a)(6) of this = section;

(4) The Commerce entity's willingness to discuss alternative = payment=20 arrangements and how the debtor may enter into a written agreement = to=20 repay the Commerce debt under terms acceptable to the Commerce = entity (see=20 =A719.6 of this Part);

(5) The name, address, and telephone number of a contact person = or=20 office within the Commerce entity;

(6) The Commerce entity's intention to enforce collection by = taking one=20 or more of the following actions if the debtor fails to pay or = otherwise=20 resolve the Commerce debt:

(i) Offset . Offset the debtor's Federal payments, = including=20 income tax refunds, salary, certain benefit payments (such as = Social=20 Security), retirement, vendor, travel reimbursements and advances, = and=20 other Federal payments (see =A7=A719.10 through 19.12 of this = Part);

(ii) Private collection agency. Refer the Commerce debt = to a=20 private collection agency (see =A719.15 of this Part);

(iii) Credit bureau reporting . Report the Commerce debt = to a=20 credit bureau (see =A719.14 of this Part);

(iv) Administrative wage garnishment. Garnish the = individual=20 debtor's wages through administrative wage garnishment (see = =A719.13 of this=20 Part);

(v) Litigation. Refer the Commerce debt to the = Department of=20 Justice to initiate litigation to collect the Commerce debt (see = =A719.16 of=20 this Part);

(vi) Treasury Department's Financial Management Service. = Refer=20 the Commerce debt to the Financial Management Service for = collection (see=20 =A719.9 of this Part);

(7) That Commerce debts over 180 days delinquent must be = referred to=20 the Financial Management Service for the collection actions = described in=20 paragraph (a)(6) of this section (see =A719.9 of this Part);

(8) How the debtor may inspect and copy non-privileged records = related=20 to the Commerce debt;

(9) How the debtor may request a review of the Commerce = entity's=20 determination that the debtor owes a Commerce debt and present = evidence=20 that the Commerce debt is not delinquent or legally enforceable = (see=20 =A7=A719.10(c) and 19.11(c) of this Part);

(10) How a debtor who is an individual may request a hearing if = the=20 Commerce entity intends to garnish the debtor's private sector = (i.e.,=20 non-Federal) wages (see =A719.13(a) of this Part), including:

(i) The method and time period for requesting a hearing;

(ii) That a request for a hearing, timely filed on or before = the 15th=20 business day following the date of the mailing of the notice, will = stay=20 the commencement of administrative wage garnishment, but not other = collection procedures; and

(iii) The name and address of the office to which the request = for a=20 hearing should be sent.

(11) How a debtor who is an individual and a Federal employee = subject=20 to Federal salary offset may request a hearing (see =A719.12(e) of = this=20 Part), including:

(i) The method and time period for requesting a hearing;

(ii) That a request for a hearing, timely filed on or before = the 15th=20 day following receipt of the notice, will stay the commencement of = salary=20 offset, but not other collection procedures;

(iii) The name and address of the office to which the request = for a=20 hearing should be sent;

(iv) That the Commerce entity will refer the Commerce debt to = the=20 debtor's employing agency or to the Financial Management Service = to=20 implement salary offset, unless the employee files a timely = request for a=20 hearing;

(v) That a final decision on the hearing, if requested, will be = issued=20 at the earliest practical date, but not later than 60 days after = the=20 filing of the request for a hearing, unless the employee requests = and the=20 hearing official grants a delay in the proceedings;

(vi) That any knowingly false or frivolous statements, = representations,=20 or evidence may subject the Federal employee to penalties under = the False=20 Claims Act (31 U.S.C. 3729=963731) or other applicable statutory = authority,=20 and criminal penalties under 18 U.S.C. 286, 287, 1001, and 1002, = or other=20 applicable statutory authority;

(vii) That unless prohibited by contract or statute, amounts = paid on or=20 deducted for the Commerce debt which are later waived or found not = owed to=20 the United States will be promptly refunded to the employee; = and

(viii) That proceedings with respect to such Commerce debt are = governed=20 by 5 U.S.C. 5514 and 31 U.S.C. 3716.

(12) How the debtor may request a waiver of the Commerce debt, = if=20 applicable. See, for example, =A719.5 and =A719.12(f) of this = Part.

(13) How the debtor's spouse may claim his or her share of a = joint=20 income tax refund by filing Form 8379 with the Internal Revenue = Service=20 (see http://www.irs.gov );

(14) How the debtor may exercise other rights and remedies, if = any,=20 available to the debtor under programmatic statutory or regulatory = authority under which the Commerce debt arose.

(15) That certain debtors and, if applicable, persons = controlled by or=20 controlling such debtors, may be ineligible for Federal Government = loans,=20 guaranties and insurance, grants, cooperative agreements or other = sources=20 of Federal funds (see 28 U.S.C. 3201(e); 31 U.S.C. 3720B, 31 CFR = 285.13,=20 and =A719.17(a) of this Part);

(16) If applicable, the Commerce entity's intention to deny, = suspend or=20 revoke licenses, permits or privileges (see =A719.17(b) of this = Part);=20 and

(17) That the debtor should advise the Commerce entity of a = bankruptcy=20 proceeding of the debtor or another person liable for the Commerce = debt=20 being collected.

(b) Exceptions to notice requirements. A Commerce entity = may=20 omit from a notice to a debtor one or more of the provisions = contained in=20 paragraphs (a)(6) through (a)(17) of this section if the Commerce = entity,=20 in consultation with its legal counsel, determines that any = provision is=20 not legally required given the collection remedies to be applied = to a=20 particular Commerce debt.

(c) Respond to debtors; comply with FCCS. Commerce = entities=20 should respond promptly to communications from debtors and comply = with=20 other FCCS provisions applicable to the administrative collection = of=20 debts. See 31 CFR part 901.

=A7 19.5   How will Commerce entities add = interest,=20 penalty charges, and administrative costs to a Commerce = debt?
=20 top

(a) Assessment and notice. Commerce entities shall = assess=20 interest, penalties and administrative costs on Commerce debts in=20 accordance with the provisions of 31 U.S.C. 3717 and 31 CFR 901.9. = Interest shall be charged in accordance with the requirements of = 31 U.S.C.=20 3717(a). Penalties shall accrue at a rate of not more than 6% per = year or=20 such other higher rate as authorized by law. Administrative costs, = that=20 is, the costs of processing and handling a delinquent debt, shall = be=20 determined by the Commerce entity collecting the debt, as directed = by the=20 Office of the Deputy Chief Financial Officer. Commerce entities = may have=20 additional policies regarding how interest, penalties, and = administrative=20 costs are assessed on particular types of debts, subject to the = approval=20 of the Deputy Chief Financial Officer. Commerce entities are = required to=20 explain in the notice to the debtor described in =A719.4 of this = Part how=20 interest, penalties, costs, and other charges are assessed, unless = the=20 requirements are included in a contract or other legally binding=20 agreement.

(b) Waiver of interest, penalties, and administrative costs. = Unless otherwise required by law or contract, Commerce = entities may=20 not charge interest if the amount due on the Commerce debt is paid = within=20 30 days after the date from which the interest accrues. See 31 = U.S.C.=20 3717(d). Commerce entities may waive interest, penalties, and=20 administrative costs, or any portion thereof, when it would be = against=20 equity and good conscience or not in the United States' best = interest to=20 collect such charges, in accordance with Commerce guidelines for = such=20 waivers. Legal counsel approval to waive such charges is required. = See=20 Department of Commerce Credit and Debt Management Operating = Standards and=20 Procedures Handbook (currently at=20 http://www.osec.doc.gov/ofm/credit/cover.htm).

(c) Accrual during suspension of debt collection. In = most cases,=20 interest, penalties and administrative costs will continue to = accrue=20 during any period when collection has been suspended for any = reason (for=20 example, when the debtor has requested a hearing). Commerce = entities may=20 suspend accrual of any or all of these charges when accrual would = be=20 against equity and good conscience or not in the United States' = best=20 interest, in accordance with Commerce guidelines for such waivers. = See=20 Department of Commerce Credit and Debt Management Operating = Standards and=20 Procedures Handbook (currently at=20 http://www.osec.doc.gov/ofm/credit/cover.htm ).

=A7 19.6   When will Commerce entities = allow a=20 debtor to pay a Commerce debt in installments instead of one lump=20 sum?
=20 top

If a debtor is financially unable to pay the Commerce debt in = one lump=20 sum, a Commerce entity may accept payment of a Commerce debt in = regular=20 installments, in accordance with the provisions of 31 CFR 901.8 = and the=20 Commerce entity's policies and procedures.

=A7 19.7   When will Commerce entities = compromise a=20 Commerce debt?
=20 top

If a Commerce entity cannot collect the full amount of a = Commerce debt,=20 the Commerce entity may compromise the Commerce debt in accordance = with=20 the provisions of 31 CFR part 902 and the Commerce entity's = policies and=20 procedures. Legal counsel approval to compromise a Commerce debt = is=20 required as described in Department of Commerce Credit and Debt = Management=20 Operating Standards and Procedures Handbook (currently at=20 http://www.osec.doc.gov/ofm/credit/cover.htm ).

=A7 19.8   When will Commerce entities = suspend or=20 terminate debt collection on a Commerce debt?
=20 top

If, after pursuing all appropriate means of collection, a = Commerce=20 entity determines that a Commerce debt is uncollectible, the = Commerce=20 entity may suspend or terminate debt collection activity in = accordance=20 with the provisions of 31 CFR part 903 and the Commerce entity's = policies=20 and procedures. Legal counsel approval to suspend or terminate = collection=20 on a Commerce debt is required as described in Department of = Commerce=20 Credit and Debt Management Operating Standards and Procedures = Handbook=20 (currently at http://www.osec.doc.gov/ofm/credit/cover.htm = ).=20 Termination of debt collection activity by a Commerce entity does = not=20 discharge the indebtedness.

=A7 19.9   When will Commerce entities = transfer a=20 Commerce debt to the Treasury Department's Financial Management = Service=20 for collection?
=20 top

(a) Commerce entities will transfer any Commerce debt that is = more than=20 180 days delinquent to the Financial Management Service for debt=20 collection services, a process known as =93cross-servicing.=94 See = 31 U.S.C.=20 3711(g) and 31 CFR 285.12. Commerce entities may transfer Commerce = debts=20 delinquent 180 days or less to the Financial Management Service in = accordance with the procedures described in 31 CFR 285.12. The = Financial=20 Management Service takes appropriate action to collect or = compromise the=20 transferred Commerce debt, or to suspend or terminate collection = action=20 thereon, in accordance with the statutory and regulatory = requirements and=20 authorities applicable to the Commerce debt and the collection = action to=20 be taken. See 31 CFR 285.12(b) and 285.12(c)(2). Appropriate = action can=20 include, but is not limited to, contact with the debtor, referral = of the=20 Commerce debt to the Treasury Offset Program, private collection = agencies=20 or the Department of Justice, reporting of the Commerce debt to = credit=20 bureaus, and administrative wage garnishment.

(b) At least sixty (60) days prior to transferring a Commerce = debt to=20 the Financial Management Service, Commerce entities will send = notice to=20 the debtor as required by =A719.4 of this Part. Commerce entities = will=20 certify to the Financial Management Service, in writing, that the = Commerce=20 debt is valid, delinquent, legally enforceable, and that there are = no=20 legal bars to collection. In addition, Commerce entities will = certify=20 their compliance with all applicable due process and other = requirements as=20 described in this Part and other Federal laws. See 31 CFR = 285.12(i)=20 regarding the certification requirement.

(c) As part of its debt collection process, the Financial = Management=20 Service uses the Treasury Offset Program to collect Commerce debts = by=20 administrative and tax refund offset. See 31 CFR 285.12(g). The = Treasury=20 Offset Program is a centralized offset program administered by the = Financial Management Service to collect delinquent debts owed to = Federal=20 agencies and states (including past-due child support). Under the = Treasury=20 Offset Program, before a Federal payment is disbursed, the = Financial=20 Management Service compares the name and taxpayer identification = number=20 (TIN) of the payee with the names and TINs of debtors that have = been=20 submitted by Federal agencies and states to the Treasury Offset = Program=20 database. If there is a match, the Financial Management Service = (or, in=20 some cases, another Federal disbursing agency) offsets all or a = portion of=20 the Federal payment, disburses any remaining payment to the payee, = and=20 pays the offset amount to the creditor agency. Federal payments = eligible=20 for offset include, but are not limited to, income tax refunds, = salary,=20 travel advances and reimbursements, retirement and vendor = payments, and=20 Social Security and other benefit payments.

=A7 19.10   How will Commerce entities use = administrative offset (offset of non-tax Federal payments) to = collect a=20 Commerce debt?
=20 top

(a) Centralized administrative offset through the Treasury = Offset=20 Program. (1) In most cases, the Financial Management Service = uses the=20 Treasury Offset Program to collect Commerce debts by the offset of = Federal=20 payments. See =A719.9(c) of this Part. If not already transferred = to the=20 Financial Management Service under =A719.9 of this Part, Commerce = entities=20 will refer Commerce debt over 180 days delinquent to the Treasury = Offset=20 Program for collection by centralized administrative offset. See = 31 U.S.C.=20 3716(c)(6); 31 CFR part 285, subpart A; and 31 CFR 901.3(b). = Commerce=20 entities may refer to the Treasury Offset Program for offset any = Commerce=20 debt that has been delinquent for 180 days or less.

(2) At least sixty (60) days prior to referring a Commerce debt = to the=20 Treasury Offset Program, in accordance with paragraph (a)(1) of = this=20 section, Commerce entities will send notice to the debtor in = accordance=20 with the requirements of =A719.4 of this Part. Commerce entities = will=20 certify to the Financial Management Service, in writing, that the = Commerce=20 debt is valid, delinquent, legally enforceable, and that there are = no=20 legal bars to collection by offset. In addition, Commerce entities = will=20 certify their compliance with the requirements described in this = Part.

(b) Non-centralized administrative offset for Commerce = debts.=20 (1) When centralized administrative offset through the = Treasury Offset=20 Program is not available or appropriate, Commerce entities may = collect=20 past-due, legally enforceable Commerce debts through = non-centralized=20 administrative offset. See 31 CFR 901.3(c). In these cases, = Commerce=20 entities may offset a payment internally or make an offset request = directly to a Federal payment agency. If the Federal payment = agency is=20 another Commerce entity, the Commerce entity making the request = shall do=20 so through the Deputy Chief Financial Officer as described in = =A719.20(c) of=20 this Part.

(2) At least thirty (30) days prior to offsetting a payment = internally=20 or requesting a Federal payment agency to offset a payment, = Commerce=20 entities will send notice to the debtor in accordance with the=20 requirements of =A719.4 of this Part. When referring a Commerce = debt for=20 offset under this paragraph (b), Commerce entities making the = request will=20 certify, in writing, that the Commerce debt is valid, delinquent, = legally=20 enforceable, and that there are no legal bars to collection by = offset. In=20 addition, Commerce entities will certify their compliance with = these=20 regulations concerning administrative offset. See 31 CFR=20 901.3(c)(2)(ii).

(c) Administrative review. The notice described in = =A719.4 of this=20 Part shall explain to the debtor how to request an administrative = review=20 of a Commerce entity's determination that the debtor owes a = Commerce debt=20 and how to present evidence that the Commerce debt is not = delinquent or=20 legally enforceable. In addition to challenging the existence and = amount=20 of the Commerce debt, the debtor may seek a review of the terms of = repayment. In most cases, Commerce entities will provide the = debtor with a=20 =93paper hearing=94 based upon a review of the written record, = including=20 documentation provided by the debtor. Commerce entities shall = provide the=20 debtor with a reasonable opportunity for an oral hearing when the = debtor=20 requests reconsideration of the Commerce debt and the Commerce = entity=20 determines that the question of the indebtedness cannot be = resolved by=20 review of the documentary evidence, for example, when the validity = of the=20 Commerce debt turns on an issue of credibility or veracity. Unless = otherwise required by law, an oral hearing under this section is = not=20 required to be a formal evidentiary hearing, although Commerce = entities=20 should carefully document all significant matters discussed at the = hearing. Commerce entities may suspend collection through = administrative=20 offset and/or other collection actions pending the resolution of a = debtor's dispute.

(d) Procedures for expedited offset. Under the = circumstances=20 described in 31 CFR 901.3(b)(4)(iii), Commerce entities may effect = an=20 offset against a payment to be made to the debtor prior to sending = a=20 notice to the debtor, as described in =A719.4 of this Part, or = completing=20 the procedures described in paragraph (b)(2) and (c) of this = section.=20 Commerce entities shall give the debtor notice and an opportunity = for=20 review as soon as practicable and promptly refund any money = ultimately=20 found not to have been owed to the Government. Legal counsel = approval to=20 effect such pre-notice offset is required as described in = Department of=20 Commerce Credit and Debt Management Operating Standards and = Procedures=20 Handbook (currently at = http://www.osec.doc.gov/ofm/credit/cover.htm=20 ).

=A7 19.11   How will Commerce entities use = tax=20 refund offset to collect a Commerce debt?
=20 top

(a) Tax refund offset. In most cases, the Financial = Management=20 Service uses the Treasury Offset Program to collect Commerce debts = by the=20 offset of tax refunds and other Federal payments. See =A719.9(c) = of this=20 Part. If not already transferred to the Financial Management = Service under=20 =A719.9 of this Part, Commerce entities will refer to the Treasury = Offset=20 Program any past-due, legally enforceable Commerce debt for = collection by=20 tax refund offset. See 26 U.S.C. 6402(d), 31 U.S.C. 3720A and 31 = CFR=20 285.2.

(b) Notice. At least sixty (60) days prior to referring = a=20 Commerce debt to the Treasury Offset Program, Commerce entities = will send=20 notice to the debtor in accordance with the requirements of = =A719.4 of this=20 Part. Commerce entities will certify to the Financial Management = Service's=20 Treasury Offset Program, in writing, that the Commerce debt is = past due=20 and legally enforceable in the amount submitted and that the = Commerce=20 entities have made reasonable efforts to obtain payment of the = Commerce=20 debt as described in 31 CFR 285.2(d). In addition, Commerce = entities will=20 certify their compliance with all applicable due process and other = requirements described in this Part and other Federal laws. See 31 = U.S.C.=20 3720A(b) and 31 CFR 285.2.

(c) Administrative review. The notice described in = =A719.4 of this=20 Part shall provide the debtor with at least 60 days prior to the=20 initiation of tax refund offset to request an administrative = review as=20 described in =A719.10(c) of this Part. Commerce entities may = suspend=20 collection through tax refund offset and/or other collection = actions=20 pending the resolution of the debtor's dispute.

=A7 19.12   How will Commerce entities = offset a=20 Federal employee's salary to collect a Commerce debt?
=20 top

(a) Federal salary offset. (1) Salary offset is used to = collect=20 debts owed to the United States by Commerce Department and other = Federal=20 employees. If a Federal employee owes a Commerce debt, Commerce = entities=20 may offset the employee's Federal salary to collect the Commerce = debt in=20 the manner described in this section. For information on how a = Federal=20 agency other than a Commerce entity may collect debt from the = salary of a=20 Commerce Department employee, see =A7=A719.20 and 19.21, subpart = C, of this=20 Part.

(2) Nothing in this Part requires a Commerce entity to collect = a=20 Commerce debt in accordance with the provisions of this section if = Federal=20 law allows otherwise. See, for example, 5 U.S.C. 5705 (travel = advances not=20 used for allowable travel expenses are recoverable from the = employee or=20 his estate by setoff against accrued pay and other means) and 5 = U.S.C.=20 4108 (recovery of training expenses).

(3) Commerce entities may use the administrative wage = garnishment=20 procedure described in =A719.13 of this Part to collect a Commerce = debt from=20 an individual's non-Federal wages.

(b) Centralized salary offset through the Treasury Offset = Program.=20 As described in =A719.9(a) of this Part, Commerce entities = will refer=20 Commerce debts to the Financial Management Service for collection = by=20 administrative offset, including salary offset, through the = Treasury=20 Offset Program. When possible, Commerce entities should attempt = salary=20 offset through the Treasury Offset Program before applying the = procedures=20 in paragraph (c) of this section. See 5 CFR 550.1108 and = 550.1109.

(c) Non-centralized salary offset for Commerce debts. = When=20 centralized salary offset through the Treasury Offset Program is = not=20 available or appropriate, Commerce entities may collect delinquent = Commerce debts through non-centralized salary offset. See 5 CFR = 550.1109.=20 In these cases, Commerce entities may offset a payment internally = or make=20 a request directly to a Federal payment agency to offset a salary = payment=20 to collect a delinquent Commerce debt owed by a Federal employee. = If the=20 Federal payment agency is another Commerce entity, the Commerce = entity=20 making the request shall do so through the Deputy Chief Financial = Officer=20 as described in =A719.20(c) of this Part. At least thirty (30) = days prior to=20 offsetting internally or requesting a Federal agency to offset a = salary=20 payment, Commerce entities will send notice to the debtor in = accordance=20 with the requirements of =A719.4 of this Part. When referring a = Commerce=20 debt for offset, Commerce entities will certify to the payment = agency, in=20 writing, that the Commerce debt is valid, delinquent and legally=20 enforceable in the amount stated, and there are no legal bars to=20 collection by salary offset. In addition, Commerce entities will = certify=20 that all due process and other prerequisites to salary offset have = been=20 met. See 5 U.S.C. 5514, 31 U.S.C. 3716(a), and this section for a=20 description of the due process and other prerequisites for salary=20 offset.

(d) When prior notice not required. Commerce entities = are not=20 required to provide prior notice to an employee when the following = adjustments are made by a Commerce entity to a Commerce employee's = pay:

(1) Any adjustment to pay arising out of any employee's = election of=20 coverage or a change in coverage under a Federal benefits program=20 requiring periodic deductions from pay, if the amount to be = recovered was=20 accumulated over four pay periods or less;

(2) A routine intra-agency adjustment of pay that is made to = correct an=20 overpayment of pay attributable to clerical or administrative = errors or=20 delays in processing pay documents, if the overpayment occurred = within the=20 four pay periods preceding the adjustment, and, at the time of = such=20 adjustment, or as soon thereafter as practical, the individual is = provided=20 written notice of the nature and the amount of the adjustment and = point of=20 contact for contesting such adjustment; or

(3) Any adjustment to collect a Commerce debt amounting to $50 = or less,=20 if, at the time of such adjustment, or as soon thereafter as = practical,=20 the individual is provided written notice of the nature and the = amount of=20 the adjustment and a point of contact for contesting such = adjustment.

(e) Hearing procedures =97(1) Request for a hearing. = A=20 Federal employee who has received a notice that his or her = Commerce debt=20 will be collected by means of salary offset may request a hearing=20 concerning the existence or amount of the Commerce debt. The = Federal=20 employee also may request a hearing concerning the amount proposed = to be=20 deducted from the employee's pay each pay period. The employee = must send=20 any request for hearing, in writing, to the office designated in = the=20 notice described in =A719.4. See =A719.4(a)(11). The request must = be received=20 by the designated office on or before the 15th day following the=20 employee's receipt of the notice. The employee must sign the = request and=20 specify whether an oral or paper hearing is requested. If an oral = hearing=20 is requested, the employee must explain why the matter cannot be = resolved=20 by review of the documentary evidence alone. All travel expenses = incurred=20 by the Federal employee in connection with an in-person hearing = will be=20 borne by the employee. See 31 CFR 901.3(a)(7).

(2) Failure to submit timely request for hearing. If the = employee fails to submit a request for hearing within the time = period=20 described in paragraph (e)(1) of this section, the employee will = have=20 waived the right to a hearing, and salary offset may be initiated. = However, Commerce entities should accept a late request for = hearing if the=20 employee can show that the late request was the result of = circumstances=20 beyond the employee's control or because of a failure to receive = actual=20 notice of the filing deadline.

(3) Hearing official. Commerce entities must obtain the = services=20 of a hearing official who is not under the supervision or control = of the=20 Secretary. Commerce entities may contact the Deputy Chief = Financial=20 Officer as described in =A719.20(c) of this Part or an agent of = any Commerce=20 agency designated in Appendix A to 5 CFR part 581 (List of Agents=20 Designated to Accept Legal Process) to request a hearing = official.

(4) Notice of hearing. After the employee requests a = hearing,=20 the designated hearing official shall inform the employee of the = form of=20 the hearing to be provided. For oral hearings, the notice shall = set forth=20 the date, time and location of the hearing. For paper hearings, = the notice=20 shall notify the employee of the date by which he or she should = submit=20 written arguments to the designated hearing official. The hearing = official=20 shall give the employee reasonable time to submit documentation in = support=20 of the employee's position. The hearing official shall schedule a = new=20 hearing date if requested by both parties. The hearing official = shall give=20 both parties reasonable notice of the time and place of a = rescheduled=20 hearing.

(5) Oral hearing. The hearing official will conduct an = oral=20 hearing if he or she determines that the matter cannot be resolved = by=20 review of documentary evidence alone (for example, when an issue = of=20 credibility or veracity is involved). The hearing need not take = the form=20 of an evidentiary hearing, but may be conducted in a manner = determined by=20 the hearing official, including but not limited to:

(i) Informal conferences with the hearing official, in which = the=20 employee and agency representative will be given full opportunity = to=20 present evidence, witnesses and argument;

(ii) Informal meetings with an interview of the employee by the = hearing=20 official; or

(iii) Formal written submissions, with an opportunity for oral=20 presentation.

(6) Paper hearing. If the hearing official determines = that an=20 oral hearing is not necessary, he or she will make the = determination based=20 upon a review of the available written record, including any = documentation=20 submitted by the employee in support of his or her position. See = 31 CFR=20 901.3(a)(7).

(7) Failure to appear or submit documentary evidence. In = the=20 absence of good cause shown (for example, excused illness), if the = employee fails to appear at an oral hearing or fails to submit = documentary=20 evidence as required for a paper hearing, the employee will have = waived=20 the right to a hearing, and salary offset may be initiated. = Further, the=20 employee will have been deemed to admit the existence and amount = of the=20 Commerce debt as described in the notice of intent to offset. If = the=20 Commerce entity representative fails to appear at an oral hearing, = the=20 hearing official shall proceed with the hearing as scheduled, and = make his=20 or her determination based upon the oral testimony presented and = the=20 documentary evidence submitted by both parties.

(8) Burden of proof. Commerce entities will have the = initial=20 burden to prove the existence and amount of the Commerce debt. = Thereafter,=20 if the employee disputes the existence or amount of the Commerce = debt, the=20 employee must prove by a preponderance of the evidence that no = such=20 Commerce debt exists or that the amount of the Commerce debt is = incorrect.=20 In addition, the employee may present evidence that the proposed = terms of=20 the repayment schedule are unlawful, would cause a financial = hardship to=20 the employee, or that collection of the Commerce debt may not be = pursued=20 due to operation of law.

(9) Record. The hearing official shall maintain a = summary record=20 of any hearing provided by this Part. Witnesses will testify under = oath or=20 affirmation in oral hearings. See 31 CFR 901.3(a)(7).

(10) Date of decision. The hearing official shall issue = a=20 written opinion stating his or her decision, based upon = documentary=20 evidence and information developed at the hearing, as soon as = practicable=20 after the hearing, but not later than 60 days after the date on = which the=20 request for hearing was received by the Commerce entity. If the = employee=20 requests a delay in the proceedings, the deadline for the decision = may be=20 postponed by the number of days by which the hearing was = postponed. When a=20 decision is not timely rendered, the Commerce entity shall waive = interest=20 and penalties applied to the Commerce debt for the period = beginning with=20 the date the decision is due and ending on the date the decision = is=20 issued.

(11) Content of decision. The written decision shall=20 include:

(i) A statement of the facts presented to support the origin, = nature,=20 and amount of the Commerce debt;

(ii) The hearing official's findings, analysis, and = conclusions;=20 and

(iii) The terms of any repayment schedules, if applicable.

(12) Final agency action. The hearing official's = decision shall=20 be final.

(f) Waiver not precluded. Nothing in this Part precludes = an=20 employee from requesting waiver of an overpayment under 5 U.S.C. = 5584 or=20 8346(b), 10 U.S.C. 2774, 32 U.S.C. 716, or other statutory = authority.=20 Commerce entities may grant such waivers when it would be against = equity=20 and good conscience or not in the United States' best interest to = collect=20 such Commerce debts, in accordance with those authorities, 5 CFR=20 550.1102(b)(2), and Commerce policies and procedures. See = Department of=20 Commerce Credit and Debt Management Operating Standards and = Procedures=20 Handbook (currently at = http://www.osec.doc.gov/ofm/credit/cover.htm=20 ).

(g) Salary offset process =97(1) Determination of = disposable=20 pay. The Deputy Chief Financial Officer will consult with the=20 appropriate Commerce entity payroll office to determine the amount = of a=20 Commerce Department employee's disposable pay (as defined in = =A719.1 of this=20 Part) and will implement salary offset when requested to do so by = a=20 Commerce entity, as described in paragraph (c) of this section, or = another=20 agency, as described in =A719.20 of this Part. If the debtor is = not employed=20 by the Commerce Department, the agency employing the debtor will = determine=20 the amount of the employee's disposable pay and will implement = salary=20 offset upon request.

(2) When salary offset begins. Deductions shall begin = within=20 three official pay periods following receipt of the creditor = agency's=20 request for offset.

(3) Amount of salary offset. The amount to be offset = from each=20 salary payment will be up to 15 percent of a debtor's disposable = pay, as=20 follows:

(i) If the amount of the Commerce debt is equal to or less than = 15=20 percent of the disposable pay, such Commerce debt generally will = be=20 collected in one lump sum payment;

(ii) Installment deductions will be made over a period of no = greater=20 than the anticipated period of employment. An installment = deduction will=20 not exceed 15 percent of the disposable pay from which the = deduction is=20 made unless the employee has agreed in writing to the deduction of = a=20 greater amount or the creditor agency has determined that smaller=20 deductions are appropriate based on the employee's ability to = pay.

(4) Final salary payment. After the employee has = separated=20 either voluntarily or involuntarily from the payment agency, the = payment=20 agency may make a lump sum deduction exceeding 15 percent of = disposable=20 pay from any final salary or other payments pursuant to 31 U.S.C. = 3716 in=20 order to satisfy a Commerce debt.

(h) Payment agency's responsibilities. (1) As required = by 5 CFR=20 550.1109, if the employee separates from the payment agency from = which a=20 Commerce entity has requested salary offset, the payment agency = must=20 certify the total amount of its collection and notify the Commerce = entity=20 and the employee of the amounts collected. If the payment agency = is aware=20 that the employee is entitled to payments from the Civil Service=20 Retirement Fund and Disability Fund, the Federal Employee = Retirement=20 System, or other similar payments, it must provide written = notification to=20 the payment agency responsible for making such payments that the = debtor=20 owes a Commerce debt, the amount of the Commerce debt, and that = the=20 Commerce entity has complied with the provisions of this section. = Commerce=20 entities must submit a properly certified claim to the new payment = agency=20 before the collection can be made.

(2) If the employee is already separated from employment and = all=20 payments due from his or her former payment agency have been made, = Commerce entities may request that money due and payable to the = employee=20 from the Civil Service Retirement Fund and Disability Fund, the = Federal=20 Employee Retirement System, or other similar funds, be = administratively=20 offset to collect the Commerce debt. Generally, Commerce entities = will=20 collect such monies through the Treasury Offset Program as = described in=20 =A719.9(c) of this Part.

(3) When an employee transfers to another agency, Commerce = entities=20 should resume collection with the employee's new payment agency in = order=20 to continue salary offset.

=A7 19.13   How will Commerce entities use = administrative wage garnishment to collect a Commerce debt from a = debtor's=20 wages?
=20 top

(a) Commerce entities are authorized to collect Commerce debts = from an=20 individual debtor's wages by means of administrative wage = garnishment in=20 accordance with the requirements of 31 U.S.C. 3720D and 31 CFR = 285.11.=20 This Part adopts and incorporates all of the provisions of 31 CFR = 285.11=20 concerning administrative wage garnishment, including the hearing=20 procedures described in 31 CFR 285.11(f). Commerce entities may = use=20 administrative wage garnishment to collect a delinquent Commerce = debt=20 unless the debtor is making timely payments under an agreement to = pay the=20 Commerce debt in installments (see =A719.6 of this Part). At least = thirty=20 (30) days prior to initiating an administrative wage garnishment, = Commerce=20 entities will send notice to the debtor in accordance with the=20 requirements of =A719.4 of this Part, including the requirements = of=20 =A719.4(a)(10) of this Part. For Commerce debts referred to the = Financial=20 Management Service under =A719.9 of this Part, Commerce entities = may=20 authorize the Financial Management Service to send a notice = informing the=20 debtor that administrative wage garnishment will be initiated and = how the=20 debtor may request a hearing as described in =A719.4(a)(10) of = this Part. If=20 a debtor makes a timely request for a hearing, administrative wage = garnishment will not begin until a hearing is held and a decision = is sent=20 to the debtor. See 31 CFR 285.11(f)(4). Even if a debtor's hearing = request=20 is not timely, Commerce entities may suspend collection by = administrative=20 wage garnishment in accordance with the provisions of 31 CFR = 285.11(f)(5).=20 All travel expenses incurred by the debtor in connection with an = in-person=20 hearing will be borne by the debtor.

(b) This section does not apply to Federal salary offset, the = process=20 by which Commerce entities collect Commerce debts from the = salaries of=20 Federal employees (see =A719.12 of this Part).

=A7 19.14   How will Commerce entities = report=20 Commerce debts to credit bureaus?
=20 top

Commerce entities shall report delinquent Commerce debts to = credit=20 bureaus in accordance with the provisions of 31 U.S.C. 3711(e), 31 = CFR=20 901.4, and the Office of Management and Budget Circular A=96129, = =93Policies=20 for Federal Credit Programs and Non-tax Receivables.=94 For = additional=20 information, see Financial Management Service's =93Guide to the = Federal=20 Credit Bureau Program,=94 which currently may be found at=20 http://www.fms.treas.gov/debt. At least sixty (60) days = prior to=20 reporting a delinquent Commerce debt to a consumer reporting = agency,=20 Commerce entities will send notice to the debtor in accordance = with the=20 requirements of =A719.4 of this Part. Commerce entities may = authorize the=20 Financial Management Service to report to credit bureaus those = delinquent=20 Commerce debts that have been transferred to the Financial = Management=20 Service under =A719.9 of this Part.

=A7 19.15   How will Commerce entities = refer=20 Commerce debts to private collection agencies?
=20 top

Commerce entities will transfer delinquent Commerce debts to = the=20 Financial Management Service to obtain debt collection services = provided=20 by private collection agencies. See =A719.9 of this Part.

=A7 19.16   When will Commerce entities = refer=20 Commerce debts to the Department of Justice?
=20 top

(a) Compromise or suspension or termination of collection = activity.=20 Commerce entities shall refer Commerce debts having a = principal=20 balance over $100,000, or such higher amount as authorized by the = Attorney=20 General, to the Department of Justice for approval of any = compromise of a=20 Commerce debt or suspension or termination of collection activity. = See=20 =A7=A719.7 and 19.8 of this Part; 31 CFR 902.1; 31 CFR 903.1.

(b) Litigation. Commerce entities shall promptly refer = to the=20 Department of Justice for litigation delinquent Commerce debts on = which=20 aggressive collection activity has been taken in accordance with = this Part=20 and that should not be compromised, and on which collection = activity=20 should not be suspended or terminated. See 31 CFR part 904. = Commerce=20 entities may authorize the Financial Management Service to refer = to the=20 Department of Justice for litigation those delinquent Commerce = debts that=20 have been transferred to the Financial Management Service under = =A719.9 of=20 this Part.

=A7 19.17   Will a debtor who owes a = Commerce or=20 other Federal agency debt, and persons controlled by or = controlling such=20 debtors, be ineligible for Federal loan assistance, grants, = cooperative=20 agreements, or other sources of Federal funds or for Federal = licenses,=20 permits or privileges?
=20 top

(a) Delinquent debtors are ineligible for and barred from = obtaining=20 Federal loans or loan insurance or guaranties. As required by 31 = U.S.C.=20 3720B and 31 CFR 901.6, Commerce entities will not extend = financial=20 assistance in the form of a loan, loan guarantee, or loan = insurance to any=20 person delinquent on a debt owed to a Federal agency. The Commerce = Department may issue standards under which the Commerce Department = may=20 determine that persons controlled by or controlling such = delinquent=20 debtors are similarly ineligible in accordance with 31 CFR = 285.13(c)(2).=20 This prohibition does not apply to disaster loans. Commerce = entities may=20 extend credit after the delinquency has been resolved. See 31 CFR = 285.13.=20 Waivers of ineligibility may be granted by the Secretary or = designee on a=20 person by person basis in accordance with 31 CFR 285.13(g). = However, such=20 authority may not be delegated below the Deputy Chief Financial=20 Officer.

(b) A debtor who has a judgment lien against the debtor's = property for=20 a debt to the United States is not eligible to receive grants, = loans or=20 funds directly or indirectly from the United States until the = judgment is=20 paid in full or otherwise satisfied. This prohibition does not = apply to=20 funds to which the debtor is entitled as beneficiary. The Commerce = Department may promulgate regulations to allow for waivers of this = ineligibility. See 28 U.S.C. 3201(e).

(c) Suspension or revocation of eligibility for licenses, = permits, or=20 privileges. Unless prohibited by law, Commerce entities with the = authority=20 to do so under the circumstances should deny, suspend or revoke = licenses,=20 permits, or other privileges for any inexcusable or willful = failure of a=20 debtor to pay a debt. The Commerce entity responsible for = distributing the=20 licenses, permits, or other privileges will establish policies and = procedures governing suspension and revocation for delinquent = debtors. If=20 applicable, Commerce entities will advise the debtor in the notice = required by =A719.4 of this Part of the Commerce entities' ability = to deny,=20 suspend or revoke licenses, permits or privileges. See = =A719.4(a)(16) of=20 this Part.

(d) To the extent that a person delinquent on a Commerce debt = is not=20 otherwise barred under =A719.17(a)(c) of this Part from becoming = or=20 remaining a recipient of a Commerce grant or cooperative = agreement, it is=20 Commerce policy that no award of Federal funds shall be made to a = Commerce=20 grant or cooperative agreement applicant who has an outstanding = delinquent=20 Commerce debt until:

(1) The delinquent Commerce debt is paid in full,

(2) A negotiated repayment schedule acceptable to Commerce is=20 established and at least one payment is received, or

(3) Other arrangements satisfactory to Commerce are made.

=A7 19.18   How does a debtor request a = special=20 review based on a change in circumstances such as catastrophic = illness,=20 divorce, death, or disability?
=20 top

(a) Material change in circumstances. A debtor who owes = a=20 Commerce debt may, at any time, request a special review by the = applicable=20 Commerce entity of the amount of any offset, administrative wage=20 garnishment, or voluntary payment, based on materially changed=20 circumstances beyond the control of the debtor such as, but not = limited=20 to, catastrophic illness, divorce, death, or disability.

(b) Inability to pay. For purposes of this section, in=20 determining whether an involuntary or voluntary payment would = prevent the=20 debtor from meeting essential subsistence expenses ( e.g. , = costs=20 incurred for food, housing, clothing, transportation, and medical = care),=20 the debtor shall submit a detailed statement and supporting = documents for=20 the debtor, his or her spouse, and dependents, indicating:

(1) Income from all sources;

(2) Assets;

(3) Liabilities;

(4) Number of dependents;

(5) Expenses for food, housing, clothing, and = transportation;

(6) Medical expenses;

(7) Exceptional expenses, if any; and

(8) Any additional materials and information that the Commerce = entity=20 may request relating to ability or inability to pay the amount(s)=20 currently required.

(c) Alternative payment arrangement. If the debtor = requests a=20 special review under this section, the debtor shall submit an = alternative=20 proposed payment schedule and a statement to the Commerce entity=20 collecting the Commerce debt, with supporting documents, showing = why the=20 current offset, garnishment or repayment schedule imposes an = extreme=20 financial hardship on the debtor. The Commerce entity will = evaluate the=20 statement and documentation and determine whether the current = offset,=20 garnishment, or repayment schedule imposes extreme financial = hardship on=20 the debtor. The Commerce entity shall notify the debtor in writing = of such=20 determination, including, if appropriate, a revised offset, = garnishment,=20 or payment schedule. If the special review results in a revised = offset,=20 garnishment, or repayment schedule, the Commerce entity will = notify the=20 appropriate Federal agency or other persons about the new = terms.

=A7 19.19   Will Commerce entities issue a = refund if=20 money is erroneously collected on a Commerce debt?
=20 top

Commerce entities shall promptly refund to a debtor any amount=20 collected on a Commerce debt when the Commerce debt is waived or = otherwise=20 found not to be owed to the United States, or as otherwise = required by=20 law. Refunds under this Part shall not bear interest unless = required by=20 law.

Subpart C=97Procedures for Offset of Commerce Department = Payments To=20 Collect Debts Owed to Other Federal Agencies
=20 top
=A7 19.20   How do other Federal agencies = use the=20 offset process to collect debts from payments issued by a Commerce = entity?
=20 top

(a) Offset of Commerce entity payments to collect debts owed = to=20 other Federal agencies. (1) In most cases, Federal agencies = submit=20 debts to the Treasury Offset Program to collect delinquent debts = from=20 payments issued by Commerce entities and other Federal agencies, a = process=20 known as =93centralized offset.=94 When centralized offset is not = available or=20 appropriate, any Federal agency may ask a Commerce entity (when = acting as=20 a =93payment agency=94) to collect a debt owed to such agency by = offsetting=20 funds payable to a debtor by the Commerce entity, including salary = payments issued to Commerce entity employees. This section and = =A719.21 of=20 this subpart C apply when a Federal agency asks a Commerce entity = to=20 offset a payment issued by the Commerce entity to a person who = owes a debt=20 to the United States.

(2) This subpart C does not apply to Commerce debts. See = =A7=A719.10=20 through 19.12 of this Part for offset procedures applicable to = Commerce=20 debts.

(3) This subpart C does not apply to the collection of = non-Commerce=20 debts through tax refund offset. See 31 CFR 285.2 for tax refund = offset=20 procedures.

(b) Administrative offset (including salary offset); = certification.=20 A Commerce entity will initiate a requested offset only upon = receipt=20 of written certification from the creditor agency that the debtor = owes the=20 past-due, legally enforceable debt in the amount stated, and that = the=20 creditor agency has fully complied with all applicable due process = and=20 other requirements contained in 31 U.S.C. 3716, 5 U.S.C. 5514, and = the=20 creditor agency's regulations, as applicable. Offsets will = continue until=20 the debt is paid in full or otherwise resolved to the satisfaction = of the=20 creditor agency.

(c) Where a creditor agency makes requests for offset. = Requests=20 for offset under this section shall be sent to the Department of = Commerce,=20 ATTN: Deputy Chief Financial Officer, 1401 Constitution Avenue, = NW., Room=20 6827, Washington, DC 20230. The Deputy Chief Financial Officer = will=20 forward the request to the appropriate Commerce entity for = processing in=20 accordance with this subpart C.

(d) Incomplete certification. A Commerce entity will = return an=20 incomplete debt certification to the creditor agency with notice = that the=20 creditor agency must comply with paragraph (b) of this section = before=20 action will be taken to collect a debt from a payment issued by a = Commerce=20 entity.

(e) Review. A Commerce entity is not authorized to = review the=20 merits of the creditor agency's determination with respect to the = amount=20 or validity of the debt certified by the creditor agency.

(f) When Commerce entities will not comply with offset = request.=20 A Commerce entity will comply with the offset request of = another=20 agency unless the Commerce entity determines that the offset would = not be=20 in the best interests of the United States, or would otherwise be = contrary=20 to law.

(g) Multiple debts. When two or more creditor agencies = are=20 seeking offsets from payments made to the same person, or when two = or more=20 debts are owed to a single creditor agency, the Commerce entity = that has=20 been asked to offset the payments may determine the order in which = the=20 debts will be collected or whether one or more debts should be = collected=20 by offset simultaneously.

(h) Priority of debts owed to Commerce entity. For = purposes of=20 this section, debts owed to a Commerce entity generally take = precedence=20 over debts owed to other agencies. The Commerce entity that has = been asked=20 to offset the payments may determine whether to pay debts owed to = other=20 agencies before paying a debt owed to a Commerce entity. The = Commerce=20 entity that has been asked to offset the payments will determine = the order=20 in which the debts will be collected based on the best interests = of the=20 United States.

=A7 19.21   What does a Commerce entity do = upon=20 receipt of a request to offset the salary of a Commerce entity = employee to=20 collect a debt owed by the employee to another Federal = agency?
=20 top

(a) Notice to the Commerce employee. When a Commerce = entity=20 receives proper certification of a debt owed by one of its = employees, the=20 Commerce entity will begin deductions from the employee's pay at = the next=20 officially established pay interval. The Commerce entity will send = a=20 written notice to the employee indicating that a certified debt = claim has=20 been received from the creditor agency, the amount of the debt = claimed to=20 be owed by the creditor agency, the date deductions from salary = will=20 begin, and the amount of such deductions.

(b) Amount of deductions from Commerce employee's salary. = The=20 amount deducted under =A719.20(b) of this Part will be the lesser = of the=20 amount of the debt certified by the creditor agency or an amount = up to 15%=20 of the debtor's disposable pay. Deductions shall continue until = the=20 Commerce entity knows that the debt is paid in full or until = otherwise=20 instructed by the creditor agency. Alternatively, the amount = offset may be=20 an amount agreed upon, in writing, by the debtor and the creditor = agency.=20 See =A719.12(g) (salary offset process).

(c) When the debtor is no longer employed by the Commerce = entity=20 =97(1) Offset of final and subsequent payments. If a = Commerce=20 entity employee retires or resigns or if his or her employment = ends before=20 collection of the debt is complete, the Commerce entity will = continue to=20 offset, under 31 U.S.C. 3716, up to 100% of an employee's = subsequent=20 payments until the debt is paid or otherwise resolved. Such = payments=20 include a debtor's final salary payment, lump-sum leave payment, = and other=20 payments payable to the debtor by the Commerce entity. See 31 = U.S.C. 3716=20 and 5 CFR 550.1104(l) and 550.1104(m).

(2) Notice to the creditor agency. If the employee is = separated=20 from the Commerce entity before the debt is paid in full, the = Commerce=20 entity will certify to the creditor agency the total amount of its = collection. If the Commerce entity is aware that the employee is = entitled=20 to payments from the Civil Service Retirement and Disability Fund, = Federal=20 Employee Retirement System, or other similar payments, the = Commerce entity=20 will provide written notice to the agency making such payments = that the=20 debtor owes a debt (including the amount) and that the provisions = of 5 CFR=20 550.1109 have been fully complied with. The creditor agency is = responsible=20 for submitting a certified claim to the agency responsible for = making such=20 payments before collection may begin. Generally, creditor agencies = will=20 collect such monies through the Treasury Offset Program as = described in=20 =A719.9(c) of this Part.

(3) Notice to the debtor. The Commerce entity will = provide to=20 the debtor a copy of any notices sent to the creditor agency under = paragraph (c)(2) of this section.

(d) When the debtor transfers to another Federal agency = =97(1)=20 Notice to the creditor agency. If the debtor transfers to = another=20 Federal agency before the debt is paid in full, the Commerce = entity will=20 notify the creditor agency and will certify the total amount of = its=20 collection on the debt. The Commerce entity will provide a copy of = the=20 certification to the creditor agency. The creditor agency is = responsible=20 for submitting a certified claim to the debtor's new employing = agency=20 before collection may begin.

(2) Notice to the debtor. The Commerce entity will = provide to=20 the debtor a copy of any notices and certifications sent to the = creditor=20 agency under paragraph (d)(1) of this section.

(e) Request for hearing official. A Commerce entity will = provide=20 a hearing official upon the creditor agency's request with respect = to a=20 Commerce entity employee. See 5 CFR 550.1107(a).

Browse=20 Previous | Browse=20 Next

For questions or comments = regarding e-CFR=20 editorial content, features, or design, email ecfr@nara.gov.

For = questions=20 concerning e-CFR programming and delivery issues, email webteam@gpo.gov.

Section = 508 / Accessibility

 

------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.gpoaccess.gov/images/spacer.gif R0lGODlhAQABAIAAAAAAAAAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOwA7 ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.gpoaccess.gov/images/nav_01.gif R0lGODlhhABFAPcAANlmZpWVwOWZmfLMzF9fnM9AQOyysvzy8svL4vLy+NJNTTU1ftZZWd+AgPnl 5fXZ2bCw0UJCiOKNjXp6r++/v+mlpV9fnr292tjY6Tk5nFBQktxzc4iIuOXl8f39/mxspvv7/f7+ /6KiyWRksf7+/ikpdcXF4vz8/To6nScndPr6/DU1moCAv1lZrHV1uo2NxoWFwlNTqTc3m1JSqVFR qNHR6Dw8na2t1kxMpfj4+21ttigodE9Pp0lJpKGh0LCw1/n5+4mJu3FxuE1NppaWw8vL5ff3+vb2 +r+/35CQx6+v1z8/n2lptHNzuUdHow0eedjY61ZWqy8veUJCoeXl8vn5/NTU6cfH47q63Ts7nczM 5fz8/vT0+MDA33t7vTQ0mSgodUFBoD09nlxcrdfX60REoTQ0fJyczXx8vSoqdevr9V1drvLy+UZG o5eXyzY2m8/P5w8jjE5Op319vvb2+WJisebm89XV6jg4m8PD4UtLi5mZzLS62//+/t/f74ODwS0t d9nZ7KWl0re327W12m9vt6SkyEJCoNbW66en0zk5f+bm8bi421VVqnt7sRopdSsrdmNjsejo8/r6 /cnJ5MIzOWBgr5aWy2xstff3+WFhsJ+fz8XF3MvL47MxPkpKjUxMjvX1+nBwt3JyuScnc9PT6Y+P x7a226cxQ56ez4WNtu7u91VVkWZmszs7g5AvTOHh8Hd3u39/v7Ky2dra7Zqazfz8/EBAn3AtWtra 6ZGRyIaGwzAwetLS6UAoazU1f2dwocTE3K9WaOrq9b293kpKpXR0uenp9NbW6s3N5u/v9p6ewtzc 6tmyv4mJxKqq1a6u189MTISEwZiYy93d7pKSyaOjy+/Ly3Z/rWVlsmpqtVBQpy8veC8ncaCgx0VF oldXq4uLxYiIw/X1+PX1+VRUqSYmc8wzMzMzmf///wAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5BAAAAAAALAAAAACEAEUA AAj/ANMJHEiwoMGDCBMqXMiwocOHECNKnEixosWLGDNq3Mixo8ePID8iGDmyQ8IOCEIeTHCBA4EF 5mLKXECAA4QEKiu21CCzp5kPNwtGMEcRlKsUMVMoLWEEIYIJPaNKNQc058MEAYb2jECgq5meE1Km ExGzordPUg8iIDCVwIcABHhOjQDB6sILWmV+wFAQwYetcolaJNuzYAIOUuniJNghAEypGvjaNYg4 al2neQtfhKBZIIbAMicsXgl16uXJ6RKwtbwwAeiyGAPIHIjhMdiGsqeKQJ1udc8PDV1H1ajVs22Z BB6WlrrbbuWoJoNn1siZqPCoC0Y39B1VrEoEUydA/8TQ2WAQC+iDEIGiMEHZ5z0DROww1VwE7R8z y7wQMbfggxZI5YhCbIEnVXYS+ReVfCEpWN5DxSEUoFTWJCQbd6FNRF99+HGkX0zJSVRdQhNGZYGF 9ZnD30R/TcWJQQ9GdEF9DEo0FIlT/YJifTrVtwyMs1W0HGsaemdQicMh5CByFtXHii0FxQjRhzEZ uRGSMp2oZH0cWIRhTIrQEWWQGqYoWUdYxkTEjlLVOBF8MnHDhUAeVEFCRgZOBVKaFrCR0JdVDlaf mGmYQ0oaQGBEmJ4fnYeeBUR0stBxPVkZUZ5RZZKOTDuEEFuKvCU0Y32WQoRpT02VENMOHnzKY6gH Af8aaEXuNQXCETIlquoOJbR60ZJkwjrQqPWtSNEJ5ngqkEwqpKPCERsBCxtCKaZY6kK1VeumRCCY 0+yyMd3Z0ak9dThQXNX2pEEA0T2UbbVdNpkouHp8RB6prUFAaU8LnHkVnPWF6FAIJIRwgrIn8IKU OeSkU7CUFO0760Lk7jceBEOma465CKka07fpgOGxspsGe1GLbTpE5QIIdeVyVxJrrOJDPYEw0A4y VTEQxBNVJ5V427VFrcxEA90QUiWAccJAUsiUg0Ak8DyRxBE4BKjAYxLN71QINgQJIFJIwQWu5oyT zglP0+kwCDZHW1+76RywAQB0021Ab0IfpPWCNE7/ZMi0diUgsZsAnGP44QPgLRXWBO1drsRdPySJ TOJORuxWAzVw+OYCXT2040Rd3lO8yjGbzhaoZRzTbgZsfjgAnecNJOgCSWssQ0gwM9AjTzyhymTX 8dvM4QVsLkHsi3/u+ECqm9NvQ7UpM1AcTwDDW/Ax+VLJ4a0fToFAr4GIUPgyEwSw87cflG0u02Mj 7HPdeHK4AANs7kA69yYfK+j/CaTvVB+A20CwIpNggGARx+CDsASCgKGg4nANSIcADheNBPwPOwHg mKzSZZAONM8c67rASAKAMrD4aYEDEcbhGHCAdGzgcK840AROgxAIBOCGOMyhDnOIEA86bgETEOAC /ytAvPulQwGHwwUICRAACPjrehijkkwiMEOOwYoCm0ucQDZ3DRQmJAEjEQEOR+JFhDygeIa7m0Dq dzgjlvGNEzkAGs8RwYF07xwFUMgDBAAABpyDAQCoQAsPQoEGAACJAGiAFg3igArMrQAFSKQaC7JH uiExknQTgBvTQQEJ0K14CqDbBgSQkD5Q5AB+NBwDCiKB1yHEAYVzneEU8ICCGACJsqQjJWOZS9gN hAK4zKXhBlmBOeZSAR7RnPcGwExm8vJ4BjHAHAvQAAG80HAbGMgBlDlLAQggmJOc4OEUIAEBcPMc arzjCj+JTYGc03B1O1wFFHKDet7gB8iwozD3Of/OOZLSlsYbZDpSeY6BELQAk3zA/NxJvHkOpJWG I6UDxmmATRaEjX+kgEULsoWDFQQdIEXHEJKxRn6aVJ2LLCn3CsJLgUD0jwKN20JfWoBaEuSa55gn FtO4EHGeI6UIYcEhcBDSooK0BXYQCB/rxk7XAbJuo6RfFgsCToOg8XgYLUBM04HRAUzUcDUlCAV4 qYAWqpNu1RRABWyqVOLRrZwCqChBPKADo9p1CCbQ4xzraBCMnoOt6bijLxXCy0kihJukfIABGhDM P9r0q/sEgE3VmcsGDNIDUbCrUTOAhoQcIJh87Svnbuq9gfiqIAcg3lwP0thj/lOf/ESmS03K1yb/ aNaoZUBDXlFL0NCKFnEE4SVQf3uOwSYkshL43kEaacimHo4gDrBmPDcn23TA4LZGRYEmkABdgmZz ID9ggSxesAqVGs6hii1sQijATOJtVZsVDSb9BvBeCjjUswRdCGSre13sghQFLRAEQc64QoGmwgkg XYISBAJZPHryHBLAaQFSeoBCFk+Qm2MhdCsQy22u0KIPkAASj2eA9wqEAmgsq2ELQkTD1da/6EAB E2pAEGkWeCDP6EFIV5CEgbQWnn7943QPV8t31q2xq5Tj5hL5yM1VFJ7ejDIAjEkBLBYgqt58MPFs 6ofM+jcGVyCIT2E6EEpE4QtFFQVsM1xLyspS/wHKRSVtjfiAH2f4bjvlJ0IlaNJz0HIgexADjF2g TZySWSBWGEEGjCqH3Qa2cJE07AB4uUIJDPebsgykRQ+A6QxLgK2ctvMfBTBIB0jAmHcmCDXWAGN0 vGAgxtQwohVt1wwY47T6HcB8GfIA+w4AsK9spkIcMAADeLMC9DXjACrgTQMMlwpCsEGr3TAQ4xEk 0YvWbBik0TaLQAERDhnGLMjgxS5oQ9rTrrafU9oLWmM3DIUgxCQIUoVTeMEF0FAIGXzQhBnMgAVa SIgHTPCCNUyhHM6AQ0LucIY5VEPhC9FCLTZBC4YQwwtyyHarXy2QArxWIFiwhMax+wYnjIAFuvQw xRwi4YQ3rOAbrXjBD0phh0B0wQcw0MEM0I2ODNBgFJfAAhRgUQNGnIEF2SgGHkLqcyEkQQkmKAIS cK4DGmSh5zRwuhKKQIUcgEANRUiEODDBgwxkoRGxmMYgaqAGEOSACibAORN6IINWF5XQBwlFOIZQ d7u3egW32EYLYtCGkdtVBmWYATh4MIW+33YFS+gBDgr/+CXgoAV1GMEYcGADNBtVBlPgwRhGUIcW 9MDwfkcHmA2SBx0IOvWwj73sZ0/71Ms4zAKpwR/KXvve+/73wL8tCmLggl24IAYoCL7yl8/85jv/ +dCPvvSnT/3qW//6tQ8IADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.gpoaccess.gov/images/go.gif R0lGODlhHQAUAOYAAKKiokZGRl1dXYiIoEREaRERQfj4+5GRvdHR401NeGZmhbu7yXd3kqqqu8zM 1pmZre7u8WlpaXR0dPr6/AEBA5WVv87O4vr6+jMzXCIiTkpKSvT09IuLi1NTU/Pz+LKy0Y2Nu1lZ mzw8PLm5ueLi4mxsp9/f7KCgxktLd0NDckpKkjMzbpSUlGtra7W1tVtbgUtLk6ysrN3d5B4eQMLC 2ujo8W5uihMTKVFRVH9/sm1thhkZK3R0rPf3+sPD29fX56GhoURESk5OeJqawqenpwkJCeHh7Q4O Dm5ubvLy9zAwY4uLuYaGhk9PT9DQ47Ozs1BQesPDw8rK35KSvuLi7hoaOEFBjQAAMzMzM5mZmf// /wAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5 BAAAAAAALAAAAAAdABQAAAf/gFpaG0hFWIeIiYqJRxEkgoIREheQlZaXgkwRkFEimJ+YHkExghIc oKiCBj46HYICAJUQCgVXGQOoEz8nLwGvsZAEBQ8LA1e4nwYIFVC+WrCQC1cNkAMOWrNXBchaylNC ztCCxoIOCwvXtA3GD6oIBwnhwFrkWgRXVwRaVwyCGPrd3sX7BcnBtGD6+PkDqAyevErCiDEooE8d O3cOCUKCMNGWAhnYFGjj1nDgs3mpLhlwkvFkyk89LIBA8fDlpSQ0cqRw1oKFlgk1jFAZSrSoURNS KoRQ0kQQERwWPgw5MKWq1atXDyzhocLKjFOCNNgoAcOK2bNo06JdQWEDpCcaGXZUmUu3rt26NygA uTQii9+/gAMDdkFJUCAAOw== ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.gpoaccess.gov/images/nav_03.gif R0lGODlhOAIsAPcAAAAAAP///zMzmUBAn01NplhYq1lZrGRksWZms3Bwt3NzuXl5vHx8vYCAv4OD wY2NxpmZzKCgz6am07Oz2cDA383N5tnZ7Obm8/Pz+Xx8fnR0dvT09fPz9N/f4Nzc3dDQ0c3NzsXF xsHBwr29vrm5urS0tbCwsaurrKKio5eXmJWVlpKSk4+PkIyMjUdISkVGSFBRU1xdX1RVV2prbWlq bF9gYmxtb1FSU0xNTnx9fnt8fXJzdHBxcmlqa2hpaqeoqaOkpaGio5eYmZOUlY+QkY2Oj4iJioaH iIWGh4OEhX+AgX5/gKusrXt8fG1ubujp6d3e3tna2tDR0c/Q0MnKysHCwr2+vru8vLO0tKusrKOk pJ+goJiZmcwzM801Nc46Os49Pc8/P89AQNBERNJKStJNTdNQUNZZWdVZWdZbW9ddXdZcXNdeXtdg YNhiYtlkZNhlZdlmZtlnZ9ppadtubttvb9xxcdtxcdxzc911ddx1dd54eN14eN59fd9/f9+AgOCD g+CEhOGGhuCFheGHh+ONjeKNjeSSkuWXl+SWluaZmeaamuefn+ijo+mmpuqqquuvr+uwsOyysuyz s+22tu67u+/AwPHGxvHIyPLLy/LNzfTR0fTU1PXW1vbZ2fXY2Pba2vXZ2fbc3Pbd3ffg4Pnm5vnn 5/rq6vnp6frr6/vt7fvw8Pzy8vzz8/319f339/75+f76+v78/P/+/v39/fv7+/r6+vn5+fj4+Pb2 9vT09PPz8+3t7ezs7Onp6ejo6OPj4+Hh4djY2NPT083NzcfHx////wAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACH5BAEAAMYALAAAAAA4AiwA AAj/AAMIHEiwoMGDCBMqXMiwocOHECNKnEixosWLGDNq3Mixo8ePIEOKHEmypMmTKFOqXMmypcuX Ffl0mUmzps2bOHPq3Mmzp8+fNr+EElgqDNCjSJMq9alnIKSlUKNKnUq1ak6hAp/AeMG1q9evYMOK HUv2BQ4PAnnt6MG2rdu3cOPKnUuXbRJbAp9azclQ0d6/gKdKGggnsOHDM8nEEggKsePHkPcOFrij rOXLmMOSGFikrufPoOPu+MUY8kJOkVMjHjSwj+rXSU8JnKUGtu3bqlkLNJK5t++xRAZuCU28ON0p s2s/VsgqDc04ihT9wU2955rFARrVhB69e/RJ1SNf/xqYxyb36eHTq7eOPcvv9/Bn1BJ4xbj9+z1M kI+scE5NMQLh8VMZsIkhxk0EQpUgT2OYIhBq/yGkSVILInUgglFVqNMhAyFyE4ABoLfeiCR20aBA wsCnYm8y+CJQB/jFGNoKtAjkIX8ICXKTQHEgqMmPQGriVxdlTFJKAJpM8geBePxIoBiKaIKkI2eI UYYlQuJUxo+WPOdJkEDG8SMehvyIXpOaGCImmJ4MuZMXmAgEi3M2CaRmHHhC1wWWWfIZx5ZgZkmk kQF4MkmPXUyiSZczKXrol4GiCd2YM6GpZqBt9tTGLAJtwlcAPSrKaBdRghdlkIqcUemPiMZhSStT Jv+IJXg08bkgmhqWiBucAtlCw1gxaBBDV8EOu2JmLhAjUC1HiMYCCznIKGMTu3SqGkJ61QkqTgJB qkkpfp0BawBHCkRgHAI1Su63PHYhJaI2gVjKc6Vo4kkArdg7YbpiwHomuQcKFCS4PS0yEB3cbjvT guIGMIkYRzoyk5TeZtowvuNOqEgAbm6sSBz1Hpnvl13wC6uAXfxB7kwCA0nwTmC4IlAqaHzao8c0 4YxuvuW2oiq6AcykMlED+SWlm12IfGEXQOuqnsEC6UCWBgFo0BXVVn91w7FiATGQCnPlEgAXnyEB LV1rtZV2XU5AMXPNqR00ihcJw1tTu0TmPUmhqnb/gYfETKd7xsoziTmxwjZtLBB6BgY+Yd7pklro 4UNGnneuNtUxUCGfejtq4IUGMOq7Mx1I4N6l9A2ygDjP5HHjGz+uauSOIHk4epaXYSVPogwkh07t ti65X+g+LoYlKzedtOgJGlIKgUfTNDTHz1nuNG6aCyREWVhfXfULaA0kBfgeeKUEQb8o0VsGAzEx VxAB5BJFW1wQlAvZO0QhfwBWsAUMMGypX/0K8pkq+O41B2mDzRIGqVGdLGV56lHTyjCQejkCUaSL VytaYQjCVe9xLAtaF/oFqsG14kIt+1FPzDCuSgCvICB0XbeWRjEu0cRf/5Fhx6gnwxhGjoKg2hlN /1IYw5xEYiCB2EnweDg8x9FkcEGboLlqkqDozeRIHWxFgpR3vduwUCAisAzVSICCMm7GalIYH1e2 lkavdA98arxMDXQhEBDQpRe9gB8L2MKCAOyxB8CYXzF6sRYkBCAIPYjC/HrQRxasRZE9WNv7kAgb g5RngTsiyOOASCDF2U55fxjXQFSVwZrg7EgicuIQRZgoJO3NTTDkCVbIZRRMMs0meJghTaQ0EBDi LXFMFF7s7sbKvSmKibHcyR4G8gieLHGHxLPdwnjUtJ0trSZWVNmEpEQrLnbxNbPUihgDQEYzfk8K HEhjCrjSRu95II0BWOdlzpIWSb4FfojsxSL7GP/IKIytBwEoQVsgCUlG+pEtBa0LEvASgGZWkiA3 siUxEbWgIxEPT9RTHsrwZFF3Ia50ohTICT9ITJoAEV9Lyx1PJhMANyjxozVpGKxo5VGK0uReMZxE J0VHk9qJaJirNOlARhrCJ+6EDLIQSCdwYoi+gehmk5tJ7Qyhyi50MIr8Eoibjke5KxrkXNb7ZmpY yoPLvPEF3ZOCBzSgAR+wM45ojSdbjXWZzQikBXQBRkH22McTPOt/AO0fQudX0EYO1jM76IVSb0MQ T73UWzYUyCS806WrlsIRk7iXJ0A3QnIpwhCKgBUpHdadQ23MEnnqaOGkWVSa7I2JJeMYZXNCiNb/ OLNQYJqXGO71scUdbrKlTRlRMHukCeUSSYpAXgAWBNTWqgu2WvUO0mqiCoHIQjk2KS6hAnAgoAlJ uWAFlyPKJTHlvbZNr6Je9LSZJ26CzjubFatjarsbzJw1rXFkY37PipkVCIcufUQkW/Rp0D9+IAA9 GGQhA3CCHnygF2yBHxIOW5dhWBe7CBTIKuCWEygaRBMn1aTrQqqJ6QytDK4qiF8gZhBA4HAmyPOZ VAE2EyiizKq+rfFBijgTNmBHOzvxsEF2O8VyGaIMIRWY0ETZigvOmCCAU9e8VhuAvkkuRE88yHRn komB3EFL7BKpiGoH5ScPVREHGlrfyEyUpi7P/xJlOBJNX/uH6RFEvojxsUDcg5nzqY8rfgZfQQQt vkBnxgbzCUB95rIDva6tGIccoEBygcj87U+wXMiFPgOwSEACkC5Y8DJuDrgTFEcwT3gQw6nxdGOm 4emaN8nThVR9ajxgjiqmPnUqZ3KiAECo1KvG067jFexW5+lDssZ1sO02k0QM5BA8OUMcrEwTWscB 1kChNbUHtGqq4jkwvU4R18CyNa39pkUvklZczBYttzyr3aAZQo0CAO1RByCJ36YOrwLwCjrl2zBv 4FQAHPvvgj9m37j41bgX7pVkCeQWzVK3xN+Sgw1YizoNNfhtGHEwjQMGDK8QCCo47PGSW4XjUf9j uMq58oOvTfzlbHFCMEROctt8wuSqscPmcG4VUhCG50CPis61t3KVL6F9MId5CH5eHQwHPTBfDAAl ni6V1wbAD1TP+k+iPoKiM3yOAqFC0l+uhYFgPTwwSbva1872trv97XCPu9znTve62/3ueM+73vfO 9777/e+AD7zg4y6Awhv+8IhPvOIXz/jGO/7xkI+85AUwkMlb/vKYz7zmN8/5znve8JX/vOhHT/rS m/70qE+96lf/+NCz/vWwj73sHe/62dv+9rjPve53v/ra8/73wA9+4X0v/OIb//jIT/7kia/85jt/ 88x/vvSnT/3qiz761s8+9bGv/e57//vS5z7/+McPfPGT//zoTz/rza/+9q9fIO6Pv/wRD4EKSID+ Fci//g2vAP3n//6/RwAVQAGdV3sC6H8VAAGbd4AEgH/+dwG213/6RwEK0HwTUAEVeHu+J4H6B4CS V3/+l4HzN4K3VwEBAIGH1wAQsIIC8QCGhwABkID1FwAPYAAruIISgAAD8AAUMAENMAACQAA8+AAN aIMVOAAQUIM3uIJASAASUAE+KAA2eIMUgACgVwGHh4QuSAD1l4MJQAFL6IKgB3+HVwEXsIQN8AAQ sIMQYAACgIQNMIUrKIL8JxANQH8BMAE3OAFyCAFVqIY3CIQqeIMWgIRLCIRvuIINKABqiIgv/xiD ECABFxAAd7iESYgAS5iBBiABFPCDhdcAE9CJBmCEErCEFhCED1ABRCiFYVgAKziKTFh4EBAAiKeC BDCIr8iIS2iFhaeGvKgAaIiJawiMYjh8ZPiIMjiJCgCMVsiFDLCCCMCFELCIs6iHEoABAeCKYtiI YUgAWmh4NniHTjiAd1h4mCiGYEiFRviGDQCGbiiN5tiGjEgBokiCzgeDk1iOiCcBAUCAj6iAAqAA /Uh5F5B/FoAAE4ABnEiJA4CNFYCNBACDGZiABJl/ATCNDmmCVXiCBsmLlIeFhxeDA3ABFyABFhAA C2ABJ1mQAGmMtFiGIMmLsygAs1iIlKeAHP95ksVYeA+JAShoeLNohQMglBxZAQc5i/mHAYWIlPkH gUWJARNQeAQgEItolIkHgwDZkBggAA+pfw8AgxZglJQIgxhggqf4AHlIAVCJlReIAWV5AQ0ZgxCJ jxbJgiyojzN5eDPJlBeAAQNggk35k5MIkDUplgZggoeJAW44hi/5iBOAAJgYAAoAg7x4kQ3QjwLZ kkFZePwIgyA5k13ZlR8ZkgqIjRagllspAJeJghRghjF4kJIpAJP4kAFghQIRlZRZjWoZlfaofA9J AD4phRIgAW4okHB5eDBYEBUIibzpk0nogmjphgOQh5TJkzj5mGg5AWhZjghgAJ4JAbx5hYj/F4Pf 2QDceZGJ53smGHp7aZrTiZMAeZLIeZGzqI80SRAAyZyy+JKXqYb0mZ+P2QBKWXgT0JcgmX9XiZ48 GQACeIbyCINfOQGUaIafWJsPWYoNEJEKiqD32YBTCQEwiJ15yJUC4YH3iYf3uYIW4JcmiAAKcJKC eIJ+eZ8RKplxGZsheYzmWBAQWJ03KQD8WJZ6yaOjeaJmuIJCGoOkmZmFN4qFR5KUCJQvSZmXmYEF SXm3SZkXCgEZ2pvJR5a02QDJGY3YuJjICAH5OHwFiYINMIktSAGNaQEXAIPlaAE4ORAWYAASuog7 uqbjCZLieY0D4YZYmZ46ypUHiQDluJcV/3CZJwmfBNqYJKqSJzikXwmZakqhJyoAEMqU/kgQeRqE /QinVsih85mV2PiXZXmQnIqn9weVUnmRBnCSArGRAMmhaml4BZmctdqADXmcUoqiTBkAGCCAA4EB VnqG6DmLAwGQAumPOSqprfqYkfmVtTl8CjiSxTqkegiiQKikRrqqAXCK4Iqts0iHqkmJbomIeZmb DMqTWxkAJjmutTmrA2GiXip8D3mDJzgA/joAJ0mt+lioYImthTeUEFCBMLiRfFifU0kBBCCQLniR DVmIaFkB3kkB1pqVfDqukPmxSkoBbsiPd1io43moprqfNImFl4meFCug4bmwK2iCeHmtpP95sJEp hSbIhY1pm2vYl0CYkEmJhRw6lDtKrXBKtIA6mTa7n2IKp7f4g8AJm7cak/IamWJ6kVNreCl7nx/r ontJiwNAqiYIpLF5mU3pl0EpkB6ooNGKeCEKmdUIg8RZpTwJqPvpkYUnp915pQhKAJNYpAbwoQYw rgqgp/dHknWpsq0ajf2oqC67hrSKAA8gtUKar8UnkICqk71oEHXImxLKhwUxgwJxAQ0oqAMpABIq EMVauPeXnUCKjSfYAAJJELw4nQURAeNqrwIBkmxrqJI6ksBaeHA6tsc5i8RJEBdgpie5mMaJiPy4 k4WLn3DarGZLENNJgAJpAQeQunDaALT/KhDOWhAYKwDhG4MCaZ9jW7oKmJCs66Lyurc/KagYoL3x y49ROZKneHjVOxBQyKCr27vmGwD+SqwH0JedOwH8WIEneYeuC7y1yKPeGL7AKqeOaLb2ma4DUYFu Kr64OxAOEL8P4KYKuZ2F55ZuWLwBuaxuSgEFfH8AK5nuS6x6i7nOF5Ffm8GJh8Nf26R8ao5XWcOK 56RB+LXRiLNGXMM62HqHins8/LFD/LXo2nhJ7HhGPMWGNwBmKpVbTMWYl8RYnHrsh8Sa550XnIVS /MNSKMSSZwBnrHgE0MU2PMfh18R0fMeQN8Z4vMd8zHt63Md0/MeAPMiErHqCXMi9eciIJrzIjKx5 itzI8ffIkDzJlKx4klzJ53fJmLzJjazJnOx9nvzJdBwQADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/spacer.gif R0lGODlhAQABAIAAAAAAAAAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOwA7 ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/narablue.gif R0lGODlheAB6ALMAAA8PGqSkpMjIyNbW1paWloeHh0NDRHl5eezs7LCwsPX19WVlZbu7u+Hh4f// /zMzmSH5BAAAAAAALAAAAAB4AHoAAAT/8MlJq7046827/2AojmRpnmiqrmzrvnAsz3Rt33j+Anzv /w+AbujxGRaLA4EQaDYJhYPBACRagz0DgYFwOBSIxkBAHg8QCi9CQFj4rrfsIZFeM57LvD4fYAi6 CgwLVDxwMFkFAmkCAUt9AgMNaF6UamICd44DXwwHPYYrPQtcawkFW5KVqquqYWwFCQNgAYSgJjwG CWgCBYmprJSMCQJqkV2rrgUBaA2ehbYgPAkOCAlKDciYm5UEBgq9DgwGDL1p1KuvighuQtAcPAvU AUrHlGcIuQJzlYIODd4DDHD6kmdbpQZQiAmo5e4CLmLkCNSjpOBAAAcLiAXE5kVQtQPh/+KZAwfF S6RKvAhsIvCs4QQeBPz1MuglwAJsAqaVVLDgohcBC9pgE7fEn4EuYRDAiqWK3MV/LaHh2mRtGroj xAIoAOoFnMkDDRZsmkfGQZtKQWV24SivwMqohnhoHXCACzerDpoEhYQRW9GveQ8o+OvgQAFK4uoc IKaFLUICCqDa4sEgMFtKAQBU9sdFyrQ534j9NLAp44LDAQaYoqTk501BDQKI7nhAFpW4ABpUhMyq 2QKrWjEKbMNgs5fIdexY010gVYHNNjFCBFmJLjE3BqwAMCBpH7A1ARUCb9BAEbDzA5go6EOt9sIB dEHmNNfgeeF2OraLGWVv9vHUBdyEwP8BE51n4EGyMVFYAgTQIxwD9O1TwHY5bKcAXcaZIpgqjXxz 0x8HhqhKA37ktcA3PolDok/tfYZfDdsh0IlBdyBQoAOMfOGfiDxWss9iRlW2TiWDxcSSDRYCdRkv AwgClj289SilKuZw58ApNcXzBSUKukEDFQzQtc1uIZ0GhTnA9AEGeWySZ+ObcCqwyI6q6CJIGv/Q kRAlsDhwWwwwrSMaArKZg6ZsBnaTSwKMNppAcZA6ykCDBzx5ngJaOBAQaocRINo3ssDFAgDxEICX FIuYY2NqBk5I2pT3WWlgIDb5FMWVLNa3xoujCkTOcVslsRw1UdA5oizBHcTMF2mgqQD/qSJuhUYX 4iAgCz8xeeICD/AR2FVMZhkg2inGAhMmjrrdkQBCbMSW2jJmsSjiPusYd5efvKIAwEVi2eOWF22c sWGPJIbjlqdc9LHAOqdlWp+Uk4bjLSu1ISBqCdvFq0YdBRyTgBZo8igjJ7rJSQ2hfmDCKDXg9siI Suc1Y1a+JPAAyYYMb5JjTZeJbC+P34QcbYhN4JsCtEB+Mc8RjeAFKzWVRfYFIBRtSZFET1O5nlUD kkizCABUA27BtA3Ss5QNTEMOytZAQo4pZGAz2I09RoYJSyz++ifGBVTEES0dU8RU1mXpM2l6uQQQ IBsfgzR31qY2sk7LXyQywNdFhN0I/0X6GCBv1j9hUw2JDJAIH19jdBh01qUrkMBp6BC4N9g3PfmN x0iUDroX68KqlNCwSsHNMYsxgPk7xYG7kOf/MY+YXT3qAuvDsKKJhDkBjfNT3xe/w92/9gxCB471 hMUIqyKaN0AACSwDGSPlSTTPWof1KKPionlKbC6EmgPZkWD7nxfI05EAnUZomGBA+wZnIAjhaArP ERdLmBCTX2mKOiGSESxUU4/0JOEYWHPAMBrQvQzwgHRekAL7NrOaVZDoFOTQ3XmgB4ny9CFtfnjK Nqh3njAMoBeMkiHAjnKckgwQJF6KRjwmJiMp/AZ4lRgQEzyhBbrlpQvwyWIkJEEeY//I6UIn+k5O OsED8NUJEm0gImuadDyHrKt+6xugTZzHih8qkB1zcBqXVMMElUGqOI96lAKLY5Ebta8JnghKbXrT oKCkoX0dgUwJLcADQk1DKZQbzM9UwQYFTggASgjAkgaRi7M164vTWsQgjKM49oWlNgixInK2kgBo tec+H0AaTj7HlwM1qBFUOEBPEkGJj23nXFOSBrFOYaopsI8AZ6NEeQSJBLa4xXhtfIlE6seLidwh RJ5CHIGWALcBkjIJenCCOtkXRGscQQyZIVXn+tCa8yhORj3hkCSzKQEAYIJFNtnCGPR3oCYxyok2 CYqpiBRIBTKImepcQi8Mg4b2sWT/HAgJimqSBQzfQEg1m6GL0d4BgNBU55ybBAZQ2neE4rjhZayw Vk4iAR8opnAOAEhEN5RxyBA1yYbsEN04+alL2pTrQE1ggwqXcMx8VicTGX2OKWiSQoGAKUxM88qB YkOpLZjnSpggascCB5TF8SIjImOC4rSQnjLChhKEYsQ4aNETKfSsG1jtyetyUZzPqbQnXz1HXlIz yX4mqCZUMYBhHCiiATWiDW5hhyLSchxFSkM3j7nMP7QyhVhclH11gZVcqROxwtoMkoXhwh2iaSAE bGEJq3TGMBRbHd38MAnxe1UxAQBNKoxiEKbKoRU5FKApoHN7IzWh5qwizOb2gnIH/1IK+yb0m4um jbffOYIBtRQMAMQCHj8E5aOUwaOE3KgZ68hmSQnaiibZbwt6EZdvb2vT1z0hY6roRkVIJY6cDoMN UwJDZODVtQltIGPEdCEyeWQRlvqTCtyhrCroYgBlgLZ+BxkHFWSDHWV4J0QMap8CLVS5th5YIGYM hAEzBTRPvU4ubgALi4nU0jusmBXKoMIWqKCMSflVpesCY7+6wog2kuobchtET3ryCx6t1Bns81xm 9ChCWOaEDDwAnkRBCRTeMgpmUnoddJ9jvAMvrDkpDMroYNUkNmy4lrmQFUUKMIUjQLCMq2hlTgPi 5U6wlhVAGQcYoLeFMmuAVErRbP8nmpDS4+C4FxvOzFG0Z5ImEWI7hCCELuqBWy0sT4GmGm4rAhQ5 KHCk0EY+EZpXsZWjhja/TtiOMcmgPaA0og+PakKj7rDWrmjGE0z1nOF2x43ipDrR0yvaDzlSkSbY LJ4iVOw8GIQHR+iaUXQmI4S2k70lWOTPq3jbrkNI5lQjmc2PaB9HXBtlm2FHAGER7zqZsEB1lvFC YGLJc4BCVTVwtJiVQgISZJWIzJz4Sv32qacyIkSgsAG8eCzMFoLoUEECcsTwGYRmsNmIOdwoPX34 HBhaMZIiH5y9I7JibCYFSGb/shs5bQY8TsMgCt5anYG08ztrmdPSmZEbSsBSJWz/Yg7UEiu8BwaA WcplRH48CrBJ4M8RYXFRF0uhwrxepxMW+DFTkcEZozAFvKQpEVNUk0Ob4ElPfIJebR3Ykt9hLJQU FxTFClGEv5ErD+YwqSRUyjDPPQUzoaBYKcCj0KbQrDulEAU9jo/OaQjOD5OLgdP6NQwzohKj3JwE 6GGmQXeAMC5sooTSR0GRSgiKEX7jyaRVVlx12fDPeCEFYhhRb+odBrg2Kkztnm19I+YtMS6DT3W1 DzskgkQs/LDaR0DmCEpYYFn98w1n9qKuVFaN6MDHIAcUNggECpzxaA4IOq1H41Pwx5MYO6nnMGFS KhmGakB6B+CToz6wYLRFRMmh/9M0V55JoCxRxFimcjkdgGCi4x9hwV1qYBFIsB3xpxU2wRauVSn1 phpuY3+x8Ci8UB/CYCaeVxNRoFiKdATQ5CMV1jvS8QW1YXAktXR5VmFnkxNRABPsZGHwwRvkoTiw cE2lEyayUX99cH+nAUNjxyHCNFEOFYAoQXdIcAp4gkT8FAT/hBI0l3CDEQWGN0UZQS5RMjXwNAY/ aH/vUhzN4RZScx5AsRi9sB0d0lEDpTyHMTuH1jd9AzCg9EKKEzID4nPwMHpktiPWMggyUjrD8Aip MQz3pwSNhhlH4HfOtCPwpgr2YRbfNYUZYzsWuEI58XENMwXbARM1EkUd5w2Mkv98wbWBmNAcCsN/ MUVnhEB4gQNXUwA9usKCgzGFD0AFKxdTw8JJSZAeAUJGpXQQASdMrrMuYeJ1ibiK+DBMswiMFSZr /9YfjNc6gEGHB/ZGnEQO2DUip7FWhNAJFQYivJMETWCKypgeCpSITdIxwoRpGMQPuKBIP8Ymr1CL ALMMuthPS3QMrUR7JjGAh1QpEEZKLDYgdGZ4OPIHaNQopsMG61ApxTUbjQNznpNw1IAEdqV+HHEi LphLuVEcvDMN+uAPDSI0TeNOdZYFrfdJpJIEBddJVyYbr8ORHCkFOoMLEDY+rDAYkOBBd7AZvIAp /dhPfZNJrCdKPdMJ5JQEMIH/fn6nKNuRk3VWYSxheEqwd1dnXG1Qj1RwVM0wG3QGUGPwfZR0FIvk BauUg9cQRTZiditWZ9encaC0SDxRlTx5QjiCkJkGiqF4TLPSJ452HH2TRGDzKBjkOdW3GBI5YbLh YQiZU8GQGs5yaT8QRscRG4mwFTkUk5QJDOtSDQxUTNCElg6hlhxhe3KGcoMVOdimWBv2HTAXilcJ C3+mFKKwai70iNCkgpQgFm43AlSwPi2DXsEwMYaZPCyyFQihnHD1BBA0B26wFK6IILRAKo0BDJGh QQKnWyLEPUdZAUgjGrFRTOIyAAtDJSfInnpUDTnBBK4CimoVG0vSNG1gEYly/xP2MCmDAhYhiTFN siHrQQar9A93yCNNEDJ+AFLso3FBEXKRwCKMoDKtBF0j0g0/ZhYxoY1gIxCvVh+nUR7OI2p3MRuB kBM4cki3JmKEsmY8URt9xT4bOgnhQFvNwBFhkYspACZhUQ9pgFfBuaFRVGEG8UqrYkn0FnJrUCyu kQiDpEC9MWMMMynHAAvPMp6Vp3SKgxjvdByeYVOV8DHy8k2ysT7rkxrwkTZXIj28EwUbRJKsQKaV QGerCRLDeTR4uhnVwhpE9BsgRmnU0D6HESblESZrYIlUVh+eIwg7MgbD5zwVWlm7oqXKpQtrCZSF sZ4LcVRjKi+dZBYXYjqDYf+cGtkkSxAyOcEgGREWffNNXbFtlnpoADAGA+OEVXIYrmWiwNNxeVGF 9HYgJpNf24BX+CBn3YeYLZAxm1MTauRwtxZYPJI6nYBthWKiGdqmXOINQHEMP5SL2bEDSIMXbVMY y1AXyDk9urCgkzglA4IJ3sAn/vGulzOrB8hbPGEcHyVl2DAIafBzxJY+daAV18M7KNonqHkLtWo+ daoZaaCeINEMGhmwwLA4FzJZGbE+x4AiGGGv0bCwryZC22CcfXOdFBst2nWKHOqK0oVLcVCrPKFH HdgIcnqyBOMHA6dHzTANyooktepYddopyiCmNpsmXfAxmqkpgMoOQ0AZzQb/V11AZxP7NK4DbgfR Mh0EJExLBMqkBCGjX0BjH00wsuwxIPzJI1rlGrbhsUdDmQ3CFltRN4sRan2THkpxBkcoImJAEfNA Hgk7A3vXpHnLIx7oLXUhJqmhpFYLaFiCTQ3BLWYRstMKj3+QT6SEDbJQKWjztvvFtuJ6GPrAmyFy kht1FArkQbRItGOqn/3luYcgmPOAoaJZP4OBpz6xlp2QPhSVl64rA6JwIW1QjatgRDmaF4exOmJy ILxATPHUuzTQA1oRG2oWM9iAEGPiBOLxZ66jBGfAZ877srx1Bk4RC6obRURrN7dGHq37vRUyemhA DkoAb+X7k2KgIScYXp/gaRIj4AOdGQhQwFMNKgnDKidiYFA8yASis77sixu4UBd40o69EMGB97/k FCYPaxNvoL+j4gNBgY1rcjo1ZKNrMA8/sMAa/BI/8IgQ1QgrVsImfMLK5cIy/MIwXMM2fMM4nMM6 vMM8bMMRAAA7 ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/images/applicationfeatures.gif R0lGODlhiQAQAMQAAICAgDAwMBAQEK+vr8/PzyAgIGBgYHBwcN/f35+fn1BQUI+Pj/Dw98fH425u t6Ki0fT0+fv7/XV1utLS6c/P53Jyue/v77+/v0BAQAAAADMzmf///wAAAAAAAAAAAAAAACH5BAAA AAAALAAAAACJABAAAAX/oCaOZGmeaKqubOu+cCzPdG3fTsNsfO//wKBwSCwaj8hkkNGojB7KqHRK rVofGol1y+16kw7Kd0wuVycQs3rN/kWClotcbmlX5/OBXZ0pYDAFGQdDdT2FVnEEQocbGAJ/fwFA jD6UlEqFBBeXRxkAPQcZCT0CGYUZqKk8C4I9AakZGD0EGZI8CbUBAqOvqbI9f0C9qL8bChl6jbAZ FwG2A8gWywYb0LCbuo4YnESehhkKPBeloxt1wYWOBcC/0Bc8AKUIPK0bmo3FjBgBc4r4hjwsCBBA zdwGABkCBttwgdkGb9WYNXwXEGGhBVIg0vuFIQEgHwsZFmhYThsgWwIJ8xDkESgAhgPnHmHACFLm TB4maR40gHAevIQ4f018iAEAAAUCEDR0aQvXIwXJlGhEkIFaw6MaQ/6JJ+Acvwus9AAoAODVOwsL AGCo2uirP3ZA9snxJ9BAqGII4TJ0GCtUgXkNF1yIegGAgUA+k0BEsPYdBp5luwYVRxZAqE8LaS0Q aDSerKgBwoXUV0yvQbVGj1HMy0PBug24FHkLpWdowDg8oL09Ig1WAD24CuEq6MxcgEHGBRAYFsuC AVsbDIhCCkj5BuZAeRT/gV1lMqoB6oQqNM4POHOtqCq3lgrAOJds93iJQ3FSFG5D5CTmzUPT/iAh AAA7 ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/images/spacer.gif R0lGODlhAQABAIAAAAAAAAAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOwA7 ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/images/bottom.gif R0lGODlhiQAQALMAAMfH425ut/T0+dLS6Xl5vKKi0aam03Jyuc/P5////zMzmQAAAAAAAAAAAAAA AAAAACH5BAAAAAAALAAAAACJABAAAARXEKVJq7046827/yA4EGFpnmiqToFirHAsz1mh3AEg0Hzv awLA4UYsGo/IpHLJbDqf0Kh0Sq1ar9isdsvter/gsHhMLpvP6LR6zW673/C4fE6v2+/4PD0CADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/related.gif R0lGODlhiQAQAMQAAICAgDAwMBAQECAgIHBwcJ+fn8/Pz2BgYK+vr1BQUN/f34+Pj/Dw98fH46Ki 0W5ut/T0+XJyudLS6fv7/XV1us/P50BAQO/v77+/vwAAADMzmf///wAAAAAAAAAAAAAAACH5BAAA AAAALAAAAACJABAAAAX/oCaOZGmeaKqubOu+cCzPdG3fT8NsfO//wKBwSCwaj8hkkNGIjBzKqHRK rVodGop1y+16k4/Kd0wuVyUQs3rN/k2CF4x83j7O55e6vpcZWP4CAwpAeUeFPYc8iUIWAn8WAwII hIoYBj8GGFVxl3A8ChiDURkAPQikpxmqGRgXGQRACRmTGxarqhgEtxkbuqsJiX+IGRYbAbfFBRkB AQIFGwYDA83PrrC9GRepqgILPLrMAwWut6UHxNKdSBkHc+cFGKyIG6Q/FwICB4obALwbF/3mBYQm IIEPCwHmLGBXq9i+VzwybRhgcMPCQfX48YqnCdsGZc82YCiV8V88WuOU//RB2OdZvAAI+ZTyAeBA P1Eae/T7oy/nN388Gv3JIABAHqEWvE1cZoFAnFky6c0MGM8mAGa1AgBZaUGTAlV/lCapd0FanngL MNCS6uPeAV0OfWqkI1fXQYeyOiGU0+nCAgC22kHlUS8jVXaygGXd2i7UJwAEjoVcNzMeLI7zSgK0 AACArI4D5f4baKDgXUUCtDactzaAQYo8Lm7Ix+OAAJHymg0CGdGb5g20XIk1Yq2H5G2qjO5KIOnT sjy6CvlaleuWYuOqsek7dmsDc0gCLkWb5iz2smPeTk1SFgD6eXHkVlko6yf1oi737yPRL6VQnI49 SNSWHPwNqI49n1hCRAEIADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/bottom.gif R0lGODlhiQAQALMAAMfH425ut/T0+dLS6Xl5vKKi0aam03Jyuc/P5////zMzmQAAAAAAAAAAAAAA AAAAACH5BAAAAAAALAAAAACJABAAAARXEKVJq7046827/yA4EGFpnmiqToFirHAsz1mh3AEg0Hzv awLA4UYsGo/IpHLJbDqf0Kh0Sq1ar9isdsvter/gsHhMLpvP6LR6zW673/C4fE6v2+/4PD0CADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/learn.gif R0lGODlhiQAQAMQAAGBgYBAQECAgIHBwcK+vr0BAQJ+fn4+Pj9/f3zAwMM/Pz1BQUPDw98fH425u t6Ki0XJyudLS6fT0+c/P53V1uvv7/YCAgO/v77+/vwAAADMzmf///wAAAAAAAAAAAAAAACH5BAAA AAAALAAAAACJABAAAAX/oCaOZGmeaKqubOu+cCzPdG3fTsNsfO//wKBwSCwaj8hkkNGAjB7KqHRK rVofGop1y+16k47Jd0wuVyMSs3rN/lWIGIyi3VNYLIYLfS9dZAZHFxgIRHo+hhsXfgAWCwEHPnJJ iGSUhz+WSAgZAQGGFxmhoRY8AxkFAQV6pnqgAwWioRg9pgY9B4QbBgEJAgIKChkJpRkHprEbBLGP G6YAPMoEygE8oBkXyrEYygLVfxaxGaRSABkY4j3ozRm6GXMXAs/g6RZ684k9Ad1Am5AbC90AeNrg a8M9fOdmrTMYylbCc+basUvYQ1CoZxvE6aGYycimZwINZRBQABWgAsN45cw7qO5gugI8DtypB85Q wk0WztkCVxLjOUYWEgwDV87Aw5ECLuibKAwlj58ZnqmjOOWYqHFR4whE4FQlO5bjXPIQQG2DTFgM bUYUWGAfuDgKf/pZYI9duXJxMhDgVWDeuQPbnpozEHVqRClKMW4ImXHcAXeE38Uzm4FQP69AHisu d+Hyv32bMthieIhiggCE7j02l/Ct38OJKGIIYFhhlHIEehAGYE0UoHWoVCUiiyopsUwH9LUVMHpX r189Elwjpi1auwQXWPHAbZ0Uq2xXrbf7LZ6OoFx1JCGJg76HeiQducSPEgIAOw== ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/ben2.gif R0lGODlhMAA0APcAAExvkWmqjX21nQgnVJFWYjmOaI57Nq2ttUWVckmYdXSwlmOmiWQ+TmpjZD9A U5qbo1wyRZCQmydGRm6skXGukyxoWGOCn3OUjBxlS2aoizZYe2MnN05QYk6aeU1lZ08iNCmGXXmz mV2BeVtVWYCAjS0pOjo0Mz6RbIC2nhdCPFWefnMsOkRcXjWMZiaEWq6LlhI5OHh5hdDQ1Whpdi0X LWeOgxlWRBQlR1iggDpTViwzO0RSWwYVOFKdfF1aYNrb3cvMzmBickBKV2Clh4K4oGJpdM/P07Cw t3CgjnR1gkKUcI2+qDI5UnRaaA09dDCKYi6IYFuigiFWSV+khhhLQFCceiIpQoS5oiJkTk9OXUCT bn6vm11dax0hNwYeRDI6ST49Sxk7Yl2jhEFIXzSCYgw5bj45RBAaOAEKJ4mKlGllcjNDTGllbHqz moq9pnl1ejuQaiFzUnSikSN7VkpLVm1uewktW1affzyRa0uZdyl/WidwVDKLZCyHX1dja1pVTamR PNijp7epmOjo6d6wtOfn6PDw8sDAxol/eX+AjOTTuMa3o9vc3aCgqr+/xXpxbuDg486Jj1RJKwAB G5+fqch8gl9gb29wftOWm71iacNvdvLz89XFrX5tM6ebjsDN2I+Pmri5u7HAz2lbL7JIUIKbsrS1 u9/f4qG0xeO9wLhVXfDx8VeggEiXdHx4fe/v8HKOqDQuJExHTkeWc5iNg3eymHBxfws1aIe7pNPU 13y1m0lAKLmKlDRcgg4PJ56IOVmhgV9SLff3+D84KL55gMTFyZeYob6Ql4/AqlZvbxVDbzJ2XUVG V5KnvFNVYlFZZVCCc7W2uy8wRGurj3d4hGOLgAkxYm+DmypPWaWmrlZ2cWBqfm+SiI5JVS8rLh5c UEBKYzhtYpaXoI+Tn4iuoJlkblyjg+nKzXlEUklQXYC3n6qqse/w8dDZ4nqmlQolMC91W2xob494 g0l8bE9GNVVGV6CtvM6gpl9gcKCZqaNPWRExTxYsUw5Be/Tiw////yH5BAAAAAAALAAAAAAwADQA AAj/AP8JHEiwIEFIR0j48cCQoS0ShwxKnEhxICRba6RU0KIEgUePSgpUSOGnkaGKKA0eSkeFjBYE CTpU6UGTZpU8CWYpWSbBFqSUKCEJkYJHSasOPVhFETNliNMpYqKw6tEhgRIyEkgAnThOgsujKqIM WZBh2rQJaCdMC5BhSJQ7VRJogSdExtaBhopggYMgTw+xZSkoqNVGl+E2tRRQmBBgQRQVHRC0kEDp rqEve/h2uDMlwwQFIQSoq8aiNAsRcogICKFgQlsckU9IaQT0cmYEHXAMCUAhBAo5O0Z4UuSvuCBE PljIUdeGwrQFwKrMwjM75bM9BZTkXjBNga4rOR4R/y9OnjynETm2CGgNvQoCPFRoUySBpYWWPKyG dBewRcei8gCWt4g0QiBRywTQdRCSBEZMJAMMT5yQgApTBKAAf3SMF+CGDeTyhYHTDHFHHieQscZE O+iRXRVRZEABfzpwsuGM/ghiyg9fqKNAAFP0MEsBWERgECU2RJjAHQtMEMIVQoxA44w2DpJGNbpQ kAEwHWjRAgwnEbQGCC0oUYU5FqqjzQGPPLlhlD/scEUt0/T44x6gEGSEDVDA0QqSE7SBSzqFpKkm gGxy4YYAFCyAA4lQSEAQPnNEmAcwGSigjgjGFNJAeYI88l95njwiSHG0FDPID0kgQcSO5lShRAs2 NP8okARgiinGNLWAx0ghb5AniCWvWCKjcXVe4ok/DWxyqjHc4NLGBEP0gEABemj1DyRUgFAAAj0M 0Scuz+w6A3kNCHQKIuS+IpAP/ryh7A8PcHNoone0AkcfLAh0BAZ9FLDnAi+6McOu1NBSXDxHOADJ psW5QskkRySC7LsPXLAECgpkgEMCeEABg0AkuJBnAqwAjII7Seyqxgj/JSLNJJe4Qt4lDkziwBGC yGIqvBcgs+qVJD5BBcgiw0Gyi+rU8MCubCDriSWTTCINGA08MgIHUXcBihmIZHPqDOT4vGMUQWMg EAtFH01B0iTsyrAsjsSdyLHFNRC3I6AgokgMp1b/LHYGZJ/whNn/eJA2khSggMLAhTTtzyMDOTJq cZALJLk/fP9gSjJL6Ai04IQX4YK2ragAsC5Ki1ucJ3UkkkgWk3OCCBeuc7HIIuKcCsQXF1vJSgJw QEF4yNpy620IHkSzqzifCthAA3oDiEguuidRA6IL1FsAFDYIFEEcLoRZhRgB1PKFEbvKgO6g5MXz LhChrBFCnNIWAEIKAh1igwuSAgPNPmhYx65WwS72+UMRdXhfKOiAhABEIUt8AIGjBAIDkfkrHGGw wDg4MMAHTK44siOPk8hDCyAoMBHQyMAdEiA4FxRhIDsYXQsqoAFYAOAavhigMAroqxE8ogHN80cJ /9ahwAfkYAru2R4G5POPRmDABd/QQCl6IQpUnEEchViFMA6wvichwg52uAEH0nCEUDhjHqwgER9c AINV4CUFcdCAKADwCQugYhvMOEAMwOGFGwQxQIq4QT8G2Y9bDIAHEmjVtPowhxcSJAjYEAUsPlEK UXzCHpOwgxMG6YQzaChAJugCIUc5gHC04gRrTIEjCmIEDXwCFaIoRSlgcY0SDGCUZSjBsMqjCDbE YhebHOUgvVCAFoBgDkJQSRhQ0QwL1DEfmWgCD0Zph1g4wBWuMIM243EJSgSjE3YQJidhAAU2/qQg h4BAKQDQDgC8IBOE0MckgtkPLxjADK+gRGWMYP8JSngDEIDwgjiHGQcMWAudBHBlL16gCkI0lAa3 7IcTeAAIA4TSEqdwRBdiAVBA6GCg/SjDO5IpkUYQgBfKeEElCAFPTcgDDYMsQxcAOopEWMIXifgH KOgB0GGA1AlM6JJBSICJQPBipSvFxDFoMIky9MMaOrDoESgBCg7k9B9GkAQgJDFQoArVIPUgRCAw gYlKVCIQBDhDGdBwBiZAtRPFeoU0LCEQI/wBEKO4hTBvEVSKpLOogQhsILoxzQGUQBGI8IIO8EoH S0jDF9K4hDRGYQBAdMIapAzCVwsCCRoEQhORGGsg7jHNTi5CVHTQKiBM4AAHJOIU/6BEZS2L2ZD/ 3uAIFZEBDYgRiVREIhOBfYEmrUAcRcgCDKq9xD9cp69OANQAAyjDDUiw2YJE4APEIEQlNHEOsxKC AAM4w/oEsQhEqJYDjuDAzRxhhl8A4hejsAJ1U0IDQkRCFYH4rVgxwQAvXIJh/hhBA7rwB0kMQxLf lIQkdjEMHyTCLltpxApC29DfBpYG/RhDFsazCB9AGBKHCHGIq7sVfGQitMCNhCYCcYZ+DKARYOBE A+Z7l604ogmaWDEp7EuAcPbjBpSQxjlrfBc1HAMTO94xhgnZBRITuSLs+IAmUkGKVGygti5m4pPv QoJyVBkd05QoP4S05SebIRArwEcSBjAAJgy5Dsw1PgQN5HMICMN5KwEBADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.gpoaccess.gov/images/getacro.gif R0lGODlhWAAfANUAAPXLptGqVv/KaP77pX5mNP7aav/tfv/4ltwAL/38uP/ziv39yP7ndQAAAP39 1v7+7EA2HlBKL//Saf7NaMKaUKqNRichEv7otYVzO/fGZXx7WvLBY2RXMvTbbN0NOOG1XOy9YfrW aPXQZuddYPrJZph/QbqjUfLLZIiIdJeTXOrHYu6EfO3TZvXvlOIvS9PLd6qmdNzDX/OtmMjJqci7 Zurcebe2h/vxy4ptOO3tu+zs0erlj8PClOHhpbuUTPvioyH5BAAAAAAALAAAAABYAB8AAAb/wIdw SCQ6jsjkccFsOhPQKPSSuFiv2Kx2y8UCYEOlcyGNDs7owWG9VrgVhriBQa8X7vh8QcLvT/6AEwKD hIWGAiAEQh6MjR4ATiMIjggrGhZobG1vcnN1dnp3IXt9fH8kGSR/h6yEFIoPHgizsyNjALS0IzYE Z5oHb3CdnwUdoXkhpaYgGBEZq62sr4u5CDJjCS7VI2lqmsHDdB0mHMbHo8oSE4kNG9CHqB8UFK6w srQuN08JMttpv+DCMegAoQGLY6LSTSBRoQGId4VIUMBQgUCFAIOmxcq1wgG2C/dqdQPISU4dFQUr 5BFx4oSIly1JoMpAs+GHDRsyDMqAkycE/4slMIDIaI+Whwse963IxS3Tt5ImBwaNwGFUCBMRGliI YKFEwQAcIGz90DBrAwwbPhDIiqGEhZ8BhhKlVmvJAgAXyCQAELKpUzYB44iLEAODhYMmIMT4EIGC 1hJUCeCEAKGEww0EGrglwKzBh58bSBTSGBKAXRfXokgS+XeTm06eaERgEaOBCRERMIgIEULF2RMf PP9xjMGhgA2UMXxg91myIdKzXCC5i2BEAr39WPta08K1MMEMDFNuQMB3hVEFTjSoIKKhu3UNODic kIEAhAD25TfXObqoNburASCFNtX984IGKbQATg0vCEYQCx2wQIAFvulWQG/rieBYAH9sQP+ecRlw wIEFnFm233NFeXADEiDNsoJeCSxVoC8wcEADASko0IJgGNDAwByydTBQALZx9cEJJljG3gkk5lRB ZQ0EkJYFjnGW2WccgCBaPdR0hISMk1ABxQ+y+NVCBC20sEOCWKVAgwUp0GGCBV0VI58FFVjQAARU 7fmBhlvZN49Wgm4g3097HirXXBuZdsQNBLoohSR+HdjCCzC88AIHNUTQaQcOdiAkAwWw8NJVJrjk kggSiJBBBRWkkgFZFYSGCgU3SblBBR9syWh1ScjggQv3uCAFLn7ZoEELKUSQggZ8ehrBj56Iaq0e 6N1RSiAT4EcAf6yQEAAOOPgQQAAa/Tf/3Q3sEiiDGS74tUMEO+yAAQwlpPBCCklSy0AMYVHGwXmh oKMMIAFQtkE0g5CLQwk+aCTdA0k0IaN1Uazg1wHNRkAAg3zSQAMENYBXWwUSrneOQn/UB8HCDJdb wrgaeVkxE3zNIuCYK/yzgw1pKqBpHDSU7AkL60VIolUv7RYCSyeoog4qibwsAE85oZJTT/0JcQPF NzMhwwor7JzAAD+M9NR34HWQNAsWYMAbVhZw0FIz8T1Dgld6vpwBBmKhNaJXUXYthBJJ7SNFN954 B5s460loQQwFBGDBBygREJYKRFLwdwQbgBAWCF6BQGQFjnUVwQeGUwy2XUyUcfbZ/6zN/3a1WukZ AG9hwRoBBKir0BCvhbv8AYmwkggCeTmhOMQMEehwRA4a5NBEDxHkYAbtrQEDFe4VxLC0CJQRYH4J KjSTGazzGd+Ax+ZTsHysh2jkAAoNzHAE9NZbzwME2oNCC7i3HceFw20V6EBxAsACyqgAJpubX0MC gAr7BIczNMnA/MDFJSFoIAIocEDAFoACEPJgKxxIQLM0oDbAfI8OSEtgCLaSPtu45EkRUIFjKgCC rYBAdBBgjAWkJI8N1g8WOgChBv4HgwhADwYQsIEFUACBJtaodi58zTAAticTjOMtMcgKZZJEKDqh TivjUU7fgngojDjvATPYCgg5oAMONLkRe83CHrQ4EIEWGrBt1yqACEzwwACwp1XnAk6vSECWDUgp FRuYh6yydkQhUPGSToyADZxYRQvYAALN4sEOCGi7x32CVKIQBXqS4Qd1vEMQDHujBlDwAE1GSwcf 1MAM+MSBHvAxBYzLohbBc0qEGGxb3IJlLLmkg8O9LnFkgJEZuhcYYtIBIXhgJTK5tcz+zAAFswwn ODVAznKa85zo1AAG1ImBdrrzne8kAAbkab562vOe+MynPjEQBAA7 ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/images/logo--bluepill.gif R0lGODlh8gF4APf/AP///wgICBAQEBgYGCEhISkpKTExMTk5OUJCQkpKSlJSUlpaWmNjY2tra3Nz c3t7e4SEhIyMjJSUlJycnKWlpa2trbW1tb29vcbGxs7OztbW1ufn5+/v7/f39+fv7+/39/f//87W 1tbe3rW9vaWtrb3GxpScnHN7e2tzc87e3mNra8bW1lJaWlpjY0pSUoycnJSlpUJKSr3W1nOEhDlC QjE5OWNzc1prayEpKRghIQgQEK3O1s7n773W3rXO1q3GzpzO3nOltcbe56XO3pzG1nultVqElEJr ezljc7Xe763W55S9zoy1xnOcrWuUpYzG3nu1zkpzhFqUrSlSY97v99bn773O1rXGzpyttZSlrXuM lFprc63O3oytvYSltTlKUpTG3jFCSoS91nOlvUpre0Jjc2OctVKEnCFCUuf3/6W1vYSUnGNze73e 77XW55y9zpS1xnucrZzO54y91lp7jIS1znutxmuctWOUrVqMpXO11jlaa2utzkp7lDFSY87e5629 xoycpWt7hJzG3nulvSk5QoS93lqEnHu11nOtzmulxmOcvVqUtTlje0qEpUJ7nFKcxrXO3q3G1oyl taXO54y1zlJre4Stxkpjc3OctWuUrWOMpVJ7lEpzjFqMrVKUvUqMtcbe76W9zpy1xnuUpWN7jFpz hIy93kJaa4S11mOUtWulzlKMtSE5SkqErbXW74ytxnuctZzG53OUrXulxlp7lEprhFqEpWOcxjFS aylKY1KUxpS93mOMrVJ7nEp7pUJznN7n773GzpylrXuEjL3O3lpja5SltTlKWilCWufv987W3sbO 1q21vaWttYyUnISMlGNrc87e78bW50pSWkJKUrXO55y1zkpaa0JSYyE5Utbe57W9xpScpXN7hFJa YzE5Qr3G1qWtvdbe7621xnN7jOfn7/f3/87O1t7e57W1vaWlra2ttb29xpSUnJycpXNze2trc3t7 hM7O3tbW562tvbW1xlpaY0pKUkJCSjExORgYIQgIEOfe7+/n7wAAACwAAAAA8gF4AEAI/wABCBxI sKDBgwgTKlzIsKHDhxAjSpxIsaLFixgzatzIsaPHjyBDihxJsqTJkyhTqlzJsqXLlzBjypxJs6bN mzhzqjz3oadPZUCVmRNKVBkVD1SGAg2mzIMyplCpBJNKdarVqliDXbWqVepUKlXChtVaJVhZslep KPugs63bt3DjRkzD84M/n/54ntvboW8Hvjw79PRHF6+/tUMTEzWXlHFRplSkGjW3lavVKlWnlg0L 1qxUsWbFbu6MufTYzWi1hhYNmnWVcaK1yp1NuzZDB/8uEIwwQSCHfxAqcuCI20JPZelEpFt7+C7h D4IXFBABYEOGCwkQADjXQUQG6gBAAP/467dDmgLaP5gTxg4dZcbBKKuej7asswIAgpngJ2IbM3Ly /CPPB6/1cI88IvzxxzLMWPGHa7AZ8w8AYf1hBTfCSBMWD7Cx1iFsIEpIYRV/MMONgxJaoMw20PxT wAYLTqOgNA/yQCONCuZYBUMV/IMBQ8MJVJxtRBY5EQQ+dpfBBn1pwEEHwI33TwMCdfDkBrhVMB4H G2DQAQW5dWBdlNYZ8I+YXPYoAQdgXtBBCM3848A5wbjzDwUekPCPAiIEI4I675jjgXMfwPMPAx1Y UAF4Az3wjwUAXLfBngAYUEB3GAhjgHbr/FNBMMzUI4wwIswzzzLbOCOnMs40s4w+AgD/oMYwBtAA QjPOWMHDHzzwMIyAyvwRTjNXyDilB3/0AMgVV6jwjwjM9BDOPRNKc2gGxSjLbA8GHJCOEEIAkk8M 50iTxaMWtvAPB38IcQUgPSgYzT8lBCMENYeKwA05V0z5gRA9MHtFMYAQ4MI6LiygTA/FdOPjHxpk ECUHE+RWXQIJjNejmyKQqQGYXmYp0AaTKgBAx8GVqd0GGmxwQQGeWsmkkTTf1NeT5fVVpc5Vcvkk QVZyEKRvOJcHdNEDbfPHNkxvM046wYwTDNPj0LMNPfSIQA/U6UC9gTlgc+DP1/4I3Rd0Hwgt9GDm qNf121xXvcw8VjettNL05PgHPdLk/613jqFMg+MfMhLeroxCtCvEND1MMw24izPueA+LL94Dw40n PvnmmDNejBvTuNH45aN77sPp2TJsxek+FLP6D4D84IMVxWTr+upWRIK7CBpoIMIGvxfdQc8447xl kH4NdDPP4/FsdNDM1yz99CLRs8yCf5x66vWlzlMq1lhrrRzc6fRDPvnBvL01+FrXDYAbq3zjwPBU 6GFLBD71JBja/ItXRRuUWAQeaLCANOTvAzypww9agEAAKMMNcxCgAeSxl2DMQQTyecc5AEAFNxDB DFIwADEEAkEBdsIAPrmc7TBnu9rdjnbF0N3pVje7GbIuHKcLRzisQLIe+rCHxqOekf8+wYoiGpEV rnCFI5TIxCU6sYlQfKIUo0jFKVqxili8ohazyMUterGLUExiEh1Bxl884oyxGIUoTNUD7WlvGXOb mxu9Z6o60tF628vjB3xghE5Ywgr92YYoDmGDYeAtBVn724LGAQAfZIITneBEAdQwjesVA3vLiNcl PQCAYoxiE504YSB6cL0/YIFxyVJGJz8ZyhYAQBJFOAQnJHkFOGbSdT7QHe52WcPV4fCXOTwdHI6R CWAYsw9nfAQwzrjMR/Shmckk4xinCcYvWrOa2LymNrPJTSuqTW3RE6I4HeIXoZXth+gkmQgYxAxm zAMdzEBHMbS3gtrNw3b3vOfc5mn/T4bdk58uLAYzBOpC2hnUCghF6OxemNCE4pKXuKthLyfqAxxW 9KK+nB3tfodOB1xgUgfYAAQq0KN/LGkDDPhHSIH4zeSN86UwjSlHypO2b/osnTjNqU53ytOe+vSn PTTHBmwqvOEJZIMyTapSl0qbDXKHOzmLqlSnSlWphseoTM2qVrfK1a569atgDatYx0rWspr1rGhN q1rXyta2uvWtcI2rXOcqxLoMpifcSYNg7mKXDzDHgIdpSlGCwhTHqIUxTonPU9LSFa9EprFd4cpn yEKV0mjGM2UhTWi8chqzrMY1nuEkXUdLWoNwYBkhWA5z1qI/ukD1qeSBKgjOAYLY/3Lnrn4NLNiY MtinJCU+kY3sYz8LFtSARmqvSa5rlguhsICIudCNbli2IZpxbIMH1yXRg4IhntJ6dyNI8pJ3HNA8 Mf3jAQDgAAYUMBwNHEogFTAZAHCjmwtYjAOOcgADBKCdCWQMABXTUgZSyoAHWEABngrBMBDgKbCN gAAYSMc7/gEPEVgYHe1AxwB8dA4RWEAdGwjPQDJwqUgFoAHd0QAEFjAeCfwDAR1AhztcALYATWA9 7RAGPYKxjAJkQBk9LsA5RrWMGiBgyFhwxhWYQd1fQUAZJIqBMJghjR4oIB1VIMc/FuCBHtAqQWrg x7qKcYUYcOMKatiyB8oRgAMwAP9mHTBAC9LhAxUEYAMNclYHHhSwK/xhHPO6ABX+0KICYPkPxcAC DUIgjTQzUAhrGAAHpEGMfyTgBB54hsXSe16BYMBiGzAAlQDwAAEEKUqRWgCoK1CA9gaAvPjdEwMu EIF/SEAgCKAOBwbw3aTyLsQH4YDvOGABC8xsIBhYFLDTqxuWAVvYIhheBiiQgaE5uwMZcAY3thEM ejSDHcvgMTvU0Q5ntIME9UDHNkSADhGIbTAY4E0G+lJbn4VgAsbui3d8RwELCMMC/tiGOtrTDnes I8fwDEe4pbYNbhDDkMH4w76KMbUrDIMbM/qDNDZOIiuoAV45qvIwhgEIQPhAdd3/0HYWhEG4H3x8 5IAYBQxp14MfNMMKWeBGD0YRCAe5/AeN+3njHhc5H6hhFMUQAsGw8INi+KAbWWgGILL1jRSooRsj h0YNPlC7JPfgAhUQmnWiXR0NVCAD1ck3y8LeAd8NhGXCrsBHjdr2aEO7ShnAwAXQLqbeLbvXgEfI B/IWx+zlaB4LCh/W1g03rZQvHWALmz88YA5/CKrykd+A+biWvrdZdxtQ47bTnDaO0o++aZ+3Lo3G 8edgCKQNg0CEIvCAiTgAgRdPSMQYWOCNP0ylDQCU/SIWMQZFICIVc0iEIpDBAqO8IviKUAQUwEAJ SsyBFDJQJOlYqMLup652Bq1d/yQkSkOLWhSh28BpEAN/EUVEggiDiL/850//+tv//vjPv/73z//+ +///ABh/8EcESyAKqDMPbQRH2SNHcmRh3aMcW5Mc4pM1WQOB69Y+hjcPBLIEtzADolAJh3AEYRAP qLI0APABkkAETHAJhHAHt5AHBcAAFMIFTHALZ4AK+fA38WI4O+h6ocAFl2CDh5AHnoAHedAJBVAs juODknAJeXAGeUAIc0AIeYAJNRANxTI6quNQLlRD4MdLFxWGN+QDokAOSwALaJiGariGSzAHRPCG gwB/ATiHdFiHdniH+TcHugARMgNUfviHgBiIgjiIhOiAvBMxIZABiqiI7RRPcf9kKsuADnOEDpH4 TnFkS3WUSfmUgD1wQJ74ifpTDFFwBEdgC01gcj4QC51QC96gAMFgVF5gC2VQBkdgAMIAimkgEHEw irRoABjAFj5gC0hQBkjwBSTQExxgUBJlQxZlQ1cgDIsYjdI4jRkQMb1zjRZGiNq4jdzYjd44VFjF fjNRW+X0Tdy4TqhVDOhAO+0UUO4YUDPnOrrzQhpVjw7VOvbodAqVUAMFR9/YQyrVQyTVMQFAAb9x ADkjjgpJWlg1PFGVNhBJVEM1kUL1j38oVGNjDj5DVByQNlYSVQLRXQs5kiRZkiZ5kiiZkiq5kizZ ki75kjAZkzI5kzRZkzZ5kzj/mZM6uZM82ZM++ZMyeRxBMZSFRXkeQB9ImZRKaRn0gRppoRZrAZRS GVaCYVfNoQzOwRy51VuJFRRJYRRCcRS+NRVIgRRbkRVoKVyXEVzBlRmeRRbGtVlfwRZTWZc4gRd4 FRjQoVd/oVd9dVeA1VdB4RRDUViOQVhAkRRqkVj04RWW4VhnYVmcURrFRRqWORqcAZdgQRrSxRpd YZeg6RE/8ZfnwJdoY1t/8VS3dVsItD93gZVBoRhgM5SOAR/ywZSTtZmmgRWbIRq6OZm+iZnFxVyh 4VmtoVwdolzUNV2wQV0awhShWVocwCgv0QG60QFCwQzjhkF/eRdnk5c8MZ3Z/+iATEJvUOUXPdEO fmUOGOYeQMEY7wEV8+GY86FtEbcNPRAtyzldiqQgyeka5AAWsLEg8eJczaVcohGgYvEHKdAD+4mc YsEDJIJdGrI0OBIWdNkQ7saHuhGdcIEk1/k8UBIcLtUQHEAAHWoR9JYO3NY2a0EUd2FAytAP8eEP 6mBp46EB6oABIRYcVTJUO+MT5NEBCHAA52AOf6IOGEQZ6fA0S5lcUnMARroNwtAMwtCcWHBeUFYF zEAsGvcaOqIhGzcOvYIC1UIiwgAIKyCh2LUr0sCmrPcapFd6ZgoAsCENacoMVWCmF2AWPaAuBsAB PZCmwiAE4/Cm/SkjhaMQ9v91nUNTEArgowXxkR6aEyB6MhpAXgQRJR0wAAvwAKAKAQ8gAhUzqdZ5 Xx2DXgLRABMyELXWG/b1IxxQAlNCGSbwDxOAZ7YmDJAnAu2gAUOhASWADv+QG+pFAvMmkhtzgma3 ZQDQAAbQAWOTAd0CAMJwXg6QrSjgAB/Qpc1QDMtwXh+wDBgSAARwK81QA0YqDNr2IK+RpU/Get8w ZT0wAAqAAvAADw6gAhnwKyJADlYwDc7CAeNgrwzQAPCAAg0gDFVQA7YYsFewBoBgBdDgAneicRKS DktjBYDActJgA7mxDTrgKeGQOH9wBQKgANl6AglbAj0wJSLQOPpwAB/QA+f/cgEe0BedBgCNWh2L AgAVoGod2mnTuazLKhASI4MAgGoAcADa0bQC8ABmMx6V+hGX6h0kgx9MMjEuJgATUAEQkABWAjMJ YAETcADUYV9hdwGpml4RQwAHgKkNQF4dsDEdsAxx8gAfEAwuRgErwgIuQgEmcAARMBSW1w+EkQEC UAAYgAEa0AEgMAG9AQAKEADqdQETYADM5iIuww4EgB8hgA//YAAU4A4FlgZawW3BUGkXwA3cUAwC sE7OUA/q2gGtYqEckqV6GzDfyiuB8A8BMAHdEA0IQCADEAAZ0APicADrwgNrALwSMLzFKw3q+gGI pmkPsDCiWwFq8AffcCZC/8CxgPA4fxBowUAwWRAAAcC9EQu8E/AOKoAA5zsADkACF+c5O3dewWAF KUUlFGMx9oVeHCC0PDolAGABItAm1YEAlitsE4AfnCbAGiCl4xGtfXEAC0CpVfsRShJt5UR2HPAd w2MdvtND+laNJmwlIqzCZJdevIMzJGMl3FAP3IAqXcoNzCACwqAOpNJt7DFuJbA1kacMHICkjYsO vvM7fkHC5NkT7KkOF5Ap6sAN6JAO82APzjC7woAqpkcjV0AOwhAOYfxnJSIOziAMl6RxaoxoVzAK V5A5Gpc4gzoKRzcwi+MDgEAOPwA7Jsc4aNYMblwM0yC+ATsNBKMGevxzs/8TcyeXAqLjOYCABWpg BZfjcVgwCq2DZscgDjUQABGgc8WgBiegDgwjQ+EQxRamARfgJGKyJFYybNMpwsLGyq1cni88HsAz HCFMdm3HyuAonuG4wS9FIHbDNHuTI8tAgUyDNegTec4MkX0lNh35AZTnzGDTDxuQPk9TzE2zNN6M NxnnNH7Tn+3SITTyOBuXOJHjOI/Tzu68OCnAzoxTOZsjOaXDOEN3OfhMOqmzfQwTUP/sOk4nj7mz j73EUT5kNsEszCVpPdeDeNcT0X+QINdTgVpzPpz3NWCTDtlMMmDT0eQDPk3aNFrRBnJACYNgDcVg XSyNeqincdKwDRvEA0n/cAqK4AkFgAKDAwBCMAZSUACA8AfD8wqUoAiL0AuTlCNrYQeLUADOMNRF vQgw6A8AUH2GoAh00ALyTDj8zH0rZDsOlTsPhVE1ZH48lFPrR5OrsNZs3dZu/dZwHddyPdd0Xdd2 fdd4ndd63daKgAuKIAqSQErzBEd5VCoTTQ/eY9HiA3pdsz7p4Nid1z7sgzUfQAViYAsIwDQdEAmK cAQJIAxN86I+Ycx/wBZtEAmVYITgYAzk/Dfi4QZDMAaecAgPQFtDoAqBwNrJMg0b5AZcoAhSQAfy AABpoASynQdR4NTxEtDMzYUKVTv4mFHmxzo5dA2joAqMkN3avd3YrQrD/4cLfq0Iez3e5F3e5n3e dp0QiuADn7ALn/De8B3f8j3f9F3f9n3f+J3f+r3f/N3f/i3fReQKrHANogCuhP2IkEhHdCQ+dGMq pfI9E3hHdNRJmoAEtQ0dgrE/PvEHkuAFgmAKIG4KbMAAIfBK17AJs2QAEwCKByQQkbAEZ0AHmEAD bPEBvhABxJA/ArEDsHAGnNAFAEAIl7AJZ5ANEOAT2YJQt9M6MbSPBr2MwNSMowAHnrBETHTlVm7l ruAJoFBE//3lYB7mYj7m/r2HD9GHFpnmar7m2pjKiLiIjfhO8xACcp6JCW7nBx7ReURK22AOcWAL ZLAHaFAIC1APCpI34P+DPYgH0b4HALPQCVHQCdkAD6RU6VAmCZtwBd3wBwIxCk1gC0eADNWwff18 SZ3eBJ0ggtXAFrHgBJ0gi/fwz6ozUeVnQ7V+OswCjdS469LoO0nM5sAe7ML+Qz9zEEHDkcie7Mq+ 7Mze7M7+7NAe7dKO7D1kiNd47b0jT+2EDm10T+hA5+jw7fqEiQAFUP+UT/n0juoOfgQ1CaWACZhA DdFADFN3UIHgDfie74LgDc4g0A0lA9CQ7wJ/AlgwO1gw8FmQUMu48MyA7Q7/8A9viAk97RRf8RZ/ 8Rif8QvN0OVhjn6IjiEwUPck8vOEgOluT+vujvEYfk6+Sy7v5AtFOzb/ROu8hENWsEPZgtBANboC WQHHqwERIDEHIM3gVKIMffQDcZ6CYVPD3vTAXjEDcAHTma288wB1+w8DwHdIv/UTAbnldTM1JZFc 4vRNzyVlQ1QiKpJcv/YusUFVlTMZj/Fv7xfigVRsf/d4n/d6v/d83/d+//eAH/iCP/iEX/iGf/iI n/iKv/iM3/iO//iQH/mSP/mUX/mWf/mYn/mav/mc3/me//ksCQJCOZRDCZVqcfqRkfqqr/pfYRSn HxQNBPqe74nvKRSUJ1hQQZtmmZa8f5ZqmRVJORZUERlRKfuCb1ejrxSj7xSEuRiK2ZVL8RRj2fu9 /5hXMRpcYVynMRbF/2kVxW/8VYv8H6BXacBXr3kYdpEGsOkUTTGbSsEUiaWYQyGW8eGY9q8a99+W W3EWxgkQwaoIFDiwCpWDBQcSNKiwykIqHwBMpFjR4kWMGTVu5NjR40eQIUWOJFnS5EmUKVWuTPnh w7mXLl128JfmHM00H/x9UKZTpjKgHvwBNaesqAdlVDyYC8ZUWTAqRY1SCQa1KtWrVa1mhZrQKlaC VQ0iFEj24MKHCRs+dJjWrVZlIFjOpVvX7l28efXu5btRZpqdM192+EC4Q4dzNw273HkOME+jkY9K pmI02NPKl4uao9p5q+euZQeSFY0QYsLOZ0UXNM3WdVqGDN0+HOf6cv9f3Ll17+bd23dJwjId4zRM OPHgwokPJz+chiZPnuY+bI6suXJS7FSiYuWsVetasW/Vtm0te7b48+fbpne7rUrt9wMl/qZf3/59 /Pc7mDM3tOfOwBArrLDDOgBBMcRAQGy5BRljTBl/luIPKAqJygwssJjCMKyGyDuLPfjYSwshEkU0 8Tz43GuPh22kGUiZ/GKUcUYaa9ToAxHaaUcE6f7TCbDDlFuQAw48KJLIIBc8roPHAGRKhG2kqu6p rMDyrspgxtlmmxBP9BK+ccIUsUsTaxOzTBXHYVGabXj4g81gbJRzTjpT6uACBRBw4AEIHnAAgQwA 6OABAR64L4F/Ijj/xyh0uMkgHaAc9KkwdRJo4IEHFKCAgQ442ECERw0UVMGbXJpggAMA+CCYDNRh ZjP+mrLySu+gkWCdAA5IZxkrIsDngAUegMcBFgyoYJkekLXCij/icxaLA/4B4KFteriC2RDNdPY8 Z6IFwExruekmgQMOeECFBIhJMz73/tjmzT/gjTdOjjJw4J8LQkI0gjr79ZevB/CtaANDJ/qn4JEm wGAu6HKCrCeZZApsgX806MCDDC4QYYMAKOJg4w4mCjlI5WhI1Z9g2lFnmaKa0qo7Wr1T4YBzquiB G2HitaKbgz94r4dhWsiyij96KOYPNZPm4T0UpH1IGivIwbY2adRs/1PNKqThYesqlm562vesAMSK cZq+gIo/lqHhHwXSWdaKHtp0V954hfhjmng5wkDgjURA+F/AA7cr4As6+BQDIj3d4GAAONBAgwke QGCCikToU4F8KyDgHwYeEGHQCTJAoIKJMPCTgUAnEgH1DBY4QAJ/RAjBmQQuAKofYYbFZ4IO+klH BBE0CIZiQz3AwAKLG6fI7wcSqMBw4M2x4IFLy+1AA3QmiKeBBNTZlRlmltHqD3ngSdeDZZYZxoF9 CPBTBGfCScFFZ/6Rx+c/nOGGWZuhceAAdyijbtywATwW0ABp6ewELdCHBAT4B2IwYBsIgIcH/uAN BjCABSWoghCEEP8NaWntD1fgRg94YDYqjKMH+fhHAz7wByuowRnyQAEAPSCNeGUBBcQKwd0A4Q3P NW4CEMgXAC7wDwxADwINaADqACC6f5grX6vLQAeClwFMKYB0E+EABCbAgT8hrIt+coDgzNivgAXL AQqQFkU6wDgONIACFImWCDgggNRl4B8SAMDeFta4fxjgiRkQwT82QBEECIADRvwH6ThwxAaIAB3P +AcFPBAMAzQAA9tIxwAQIIJ0bAAd6tgbvjqQgQpgYD4UIQDlALABBBbOAgHggEtEQAAaAEAEBZBk MApJAACgoxnsQEcwWLCANGxjHpR8QDqaIQx9HKADwiCBGo7mIiz/RFFYNTBABnrwh3iYIF48qME/ MvAHAkhAGD2oQgv+wYEeqAAa3LjCH/Rhzm0YQAclEMYzVtDCEACCkhRAlgoM+aab1fOEnDtBAQog D2bMD4YsIMYy3mSAii1jAPAIxjcHoIAP9CAQfAPAPyAwkSPma3EF21sRGScoCwisAwOY40QgwLcW UsQAqSpp6vh4RqDaiHC6zEDqBFVSQ3HgHxZwI5HuVZFObaACptSAHg1lOG8dsgMxfcBWBbYBdfzD AR0Ixjv+MQFzsGOPj0qHjiD1gd9toABnfSQJkkeRoYoAA4VEAADKNR0NCOMAuZyqFXPUjnmggxkj 2FH9HvCBKzSD/xneqgcWdnqOKzhDGGEKUzYfywMrZGF/PThru3ywThCKgBvF6IE7AcCDswqjGEKw whV60AN9GECx04isNxTAjmE08l3u3MCbhCE1aUjDbMEILgG8aS1AVDJrRbMCaw1AAHT4oAcDeIA5 RIqvbQAPjlNVqQYksIALpNRTjNtABiYgsHsVUVD/QIDhGIdVaQYPUQJ4nuJCFlQA2yevhNyABC6w gTde1QB4NFyBRRDTvjrObwCIaRI3oAE4YvGs0Jvq596bxGWE1QGrckcllZGOfwRAA+lgBjtYoJOe 9GQD/DDn8URwDgCA4It6XEAfL6BUyrlzY+rIQLkAgOIC+EMY6v8QQTxWlaWqBIAAHXAGOf5QgwV8 wBmWlWYz1NADM/0hmxAQ4BVGwSxp1CAAGahCMX7Yz7MGg7ffCKEBAlABGL55HDU4wAt7QMkLEC24 x+rBPd4pjWkAAhA9SK4N8GUzbuSgkYBQgw/0wY9zWmEUbFCHFQLBAhJ04wpCMNp3LwDDvSX1vfk6 4sI6QIGvwlEDsGY15xq3sQ0XMqkaMECEJ4DgDaBKUBz4b4CNvRsOWGAAbCNjAwJQRg5E4B8FqKIG IiCAf0RxkYZDQLb5SxEBCCABfvuHc68HKgMkwAJMVB0bGRBYBkw7A8JgoQI0sI12uCDb/1gABppy 4m0o4zCC/Qf/PvaEXpFtIAEFoAAEEsABEHBAGNcWwAEacIBWioAdFMv2iIOxq2WMAyrxCMAEJJAA YVAhHM9o2lnXEQ54SWMY5dxHBZihaEYnFxrYDuQ5paGGuQ52ATp4wDaYwQYa9/wPL9BBI6sgjFGs rQAJkMC0TcCOzUVgGzEctaeXjQAL9EANaiBGih2wDisQg+e6vS0+9p3tAUwgHT1wOwISoEcEXCAD 7rZjt9M9VQN8sdsHyAAG+M4BDCy8AhFIQMi6KO8OSCAA3/5H7SJwgAtrAMHH5rxvrJiBRTbV8Rr4 3Oc33ynDZUAD20b9hTcv4ZG195ATuXAtqcmNZWxjduyYxzaE/+GMEdAjGMIkgTp0hA5IFcUfHEgH BvS+sQ1sIJSH0QAGNJ95c3QgHRewgDDQgQ52ENP3JFhHPZphD2a4i0tGZ0czrMCr/bmrGM0Yhm3p 9gch8FYcgJitNDzo/2IYBTUghx+4Ah9wg2n4ATX4AR+ImkqbBh8gBzUYBW5gwGIIQDWwgmmgrWYA BB+IwP1bFgG8gmkowRIktSvAAv5zgx74ASwQhytgLRdcwGiIh2XwAda6QDYIhmW5QCu4gOsDFYsx HM17Jc0LmfYiNtijvSK8sM/hoiM8t5F5nJFxPEIqts7LQr74mOtLHJDpFNLbtswLQy4SQpARlMcB NtL7r07ZGP8iOb1lCB96SBt0iJttWIZ5gJJgCC9hEAZmAKVg6Af+GMRPCZ6N8YcC+QBPgb4N2AkO MId0+L55SCx0oId02AZ06EM51JL1o4disIJwYIajiZc/mAdm0EC68aBpMBq4KcE/CIX8C4Vp+MQG 7IENXMVwaMALZK0SLIYPbEVWZK3864Ff9MVa/MTqQkBbZEUBJAccNBoFbIYfyMUf2LIs+Ia5+ocB WABmYEUrwEErwABxfBwMCIEN4EIEsyLSi74wVMdzJMLXA543/C8nXCQJIxI3/Bgs1EJ+7MeL2EMu qQL32JJtoIeCpAeEFAGETAeGZMh+CIYN4I/pIBJFHJCKlBj/f5COQRzEj2tITuLELdESTpwbUpwb g8ShVLxF/MMbD1rJ/PMgmHxJmNzAl6TJu7mbVbzFmjTBnFzF2+rJZbytXcxBoRzKT/TFcLCCSPjG b1zKBmzASGCG6JvKcyS2ffRHrMxK33iXkrSo9MlDehCBP1DIsLRETmLIDRDEiMzIR1w+f4iQt9SJ jTSHDejIdNAKTiLIgtzLOXwXrixJvyxJvDHBKpAIKqAEXpiDU6AEJZDFOlACZviANnCDNqhMJRiC QcjMIVACN1ACOZiDSPgAHniFymwDJaCEIWBMN+ACE7ytoHxNoYzNHLzAUquut/FFWlyWp/zGXExK qpxKJLlK/60cTuLcC67sgXkoRTwsRXpIn2UIS7JcSLsMpVCKyLm0zkG8S+1syI/bw3SwRIRESL9M ROMYDAFZjMKQCypQAl5QBDygAQYQBgFJBFxQBQMggTSYiDZ4BUNQhEUwgAcoAQwQBg+oA/80AAmQ C9M8BUUwg746TUp4AkWoBhGQCaJkLdeczVLbRaP5RKesrqf0gVwU0Q8c0WL4TeC0yuJcURbVi3iZ B+RcTjzEw3kIS7C0xO/M0YZsSEEMJYhkSIj0nR3Nyy0xyLv8gFAwhCjYAnRoA0SgA2HQyxYhSC2J ly2RCx5oAzBYBCkoABRAyXjxmTHIBAPAoYlIgkFYBFUgg/8aaBb845IlqIMD6IGJcANZUNMyQID8 PE3/PIMCGMwUWMUL3dAO9cEevMAGZEoSHdEPLFErQFGqNJLDaFFKrdS5UM55cM5MzdSvLEvgKcuE 3FFI3FFSZUhLVEiy/NQOCIVE8AMVKEgAGARc8AN50Ev1I0grjZM0CAUlWAQ86IQCaIaSLEku+ANo +AMYaQNrqANVyIMCgIFz2AYimIMWwL8wBYBQcIM6YARnDYHXGoJF8IQ8AAdjGMaiIVQOPdTcPEpF JdESbdRfhNTfDE5LjRFFGMacXMZ83Vd97Vd+/Vd/DViAHViBLViCPViDTViEXdhlZMFIKIZw4NQZ 3dRSVEj/sKzRGk2HPGzIU/2d3wnP70xI4AGeP0gHAIiERQiDCnAMIlCFPCW2+XCDSLAGLuCCIZhW l4iTSBgCKbgFTjCAEogYoY2YiYgEIhDXO7iESliCMcADA1gHmQiZD3CDls2DcAAAIeCCTLiFMyCD +7TQDUVGdYXK3NRNRmVUeP0BtV1btm3bRi0GFpwGZWRYulVYu61bvL1bvcVbL9AIXIiEQfiET9gF wSVcwT1cxE1cxV1cxm1cx31cyI1cyZ1cyoVcwxVcUGCFJSCHiZ3Rr0wfEZjEGg3dGw1di9VY6AxP 083D5OyAaSiCPsiGLzAGYnAHbpDSYNDaPOBarj2DQyiA/3cAAKolhDP4WRuIl28ixWXAm5uUCDcQ hTw4g04wABgAgEw4A2qoBvxbBiFw3jfIA1/IBFEIAjjoBUcogEVb3qKsLh98ygv80ERtwKSE10Yd 0VGABVfIX/3d3/31hMxlBcS93ModYAIuYAM+YMr1A41YhUZIBgd+YAiOYAmeYAquYAu+YAzOYA3e YA7u4AdGg2RAAxEe4VYohWMQB8/d1M+dRDz0VNZdXdJ9TrGU2PQBAB/YBFuQhzmcwz8ohmuwqB0u yLn5Sxghgi4o3j4oAGcomng5GltkYjADACqQBC/oA2CNBqTpgTt4gW4ommkw2SkuAk7ohDmChS7I A06IAv98cM1g9FBE1U043s1FpV8fOIZAMIVW0AZtaIVWQAM+9uM8DoM+7mM00IYRDmEHBmEPXmRG bmRHfmQMLhBJ3ohOeUNL9pRLrkpNzmROxmRP3uRP7mRQHmVRLuVQPmVSRmVTTmVWpsqRfZyqUixm YOGJVeFP/coX3lRObU5dbuEOOIQjiIJDGIVJ4ARMYAEKEIzgGFqXAIBgcAIrnl51GFrCqIpmBgBJ 6IJOiAKvlQ5mno9s3mavdeY42IRO6AQagFqXCIceeBtFjeMRHdFvdNcr8MOquueiUr2iwucQgGXS Y8ToU2WBZuVVLuiBNmiCPmiFTmiGVhyHJjaMiCp5nWj/iq5oi75ojM5ojd5ojqbojXllfM5n8AGf eSgGz11hdFiGlGZhFRZd5EROTt2GZiAGNpAHdvDK5gzLtElOr8QbW1wGn6EDWziCTsgGbiiaOAmG LuAEcWCBHvAAAOiBSeiEI7CFAjiBb0qfZHFOqI6ESRhqq56BOOkCoa7qAkAWZPFF3ozfeJ7jD6zn cMhnuZ5rus5nWB7ZT+lovd5rvu5rv95riL6ISv5rwi5swz7svgZpWNbnopJl8PnKHvi+yF6GYoDR klbhYkCHzK5sEVgGsRTL5/Ts0VXOUtzql85Uk2ZeJziCMkCCRmhtMsCEqxYCc/iDWOCEMmjtPUCC I6CD/3Awyj8wh2KIA6rW7T0g6nAIBg9gbSTYgzKwBWtixUVd67U2QGHIAHTQZ3zebu3ubn8GnugD aMQeb/Iub75GEo2QZPVeb/Zub/d+b/iOb/meb/qub/uW78R5Q+gbWf5+5cwGH3SYxM0u6RCw7GJg BllOrM3W7M6tbKMpaaM0Sva1zaFkX6iccHa9TXcWW2SUY6WM43k+23cNh6REh5GlACZK8QawgAi4 lJHFACaygP4G6Py+bxu/cRzPcR3fcfeuV86rwsPI74zubOQEH5Ou7BAgac3W7AJv6UKN8ApHRnad 8kR951+8chCHYyt31y1nymXpAfFGUQyIviiKPgyoAP82UoALuxfMO8flC07h9HE5n3PcUG8h1+vO Vun/DvDKZi0Ih3JA70EKB8cP9fJ3XpalVOsqj99Dr65k+esyj74KqIB7gQAHUKoDSJxJpnNO73Te WJAgF3K6PGzgSZ8k74GRtoJTFFt3bnVXf5sqp/BuhBLzhtRIlyoL4IAFIABii6JJ9XRgD3bfQBDC yG/FqXVkT/aANnb1BgAcE3Zoj3bPA/JOUUQhP3Zlz3aMNnaKtMoCERlpD3dx97yJkAtiXw5ux+QN 8ABtL2y69IdzrEpud2+5GHd7v/cZwbH3VsJ0T5x4h3e6NAd1H/h4J3iDj0iEh3dP7ndNZ29BwbF6 j3NffJ94ipcTBREU+yaQ4th4je/4+sb4ArmJeq94ki95kz95lE95lV95lm95l395mI95mZ95mq95 m795nM95nd95nu95n/95oA96oR96oi96oz96pE96pV96pm96p/+NgAAAOw== ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/graphics/ret-arrow-generic-grey.gif R0lGODlhEAAQALMAADMzM/Ly8oCAgExMTMzMzJmZmWZmZuXl5f///0BAQFlZWYyMjKamptnZ2QAA AAAAACH5BAUUAAgALAAAAAAQABAAAAQ7EMlJqw3HalTErkcCEN8kAIBSIg2KMqXhAkmwETPqaYIh AwNf5oMqrCTFIyJ5RAV9C2LO8Fn4rlGlJQIAOw== ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: image/gif Content-Transfer-Encoding: base64 Content-Location: http://www.gpoaccess.gov/images/bg.gif R0lGODlhGgBSAJEAAMwzMzMzmf///wAAACH5BAAAAAAALAAAAAAaAFIAAAJXlI+py+0Po5y02ouz 3rz7D4biSJbmiabqyrbuC8cJQNf2jef6zvf+DwwKh8Si8YhMKpfMpvMJrclIgar1is1qt9yu9wsO i8fksvmMTqvX7Lb7DY/L5+UCADs= ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: text/css; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/styles/styles.css .td { FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .tr { FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .h1 { FONT-WEIGHT: bold; FONT-SIZE: 16px; LINE-HEIGHT: 18pt; FONT-FAMILY: = Arial, Helvetica, sans-serif; Arial:=20 } .h2 { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 14px; MARGIN-BOTTOM: 0px; PADDING-BOTTOM: 0px; COLOR: #000000; = LINE-HEIGHT: normal; PADDING-TOP: 0px; FONT-STYLE: normal; FONT-FAMILY: = Arial, Helvetica, sans-serif } .h3 { FONT-WEIGHT: bold; FONT-SIZE: 12px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: = normal; FONT-STYLE: normal; FONT-FAMILY: Arial, Helvetica, sans-serif } .caption { FONT-WEIGHT: bold; FONT-SIZE: 12px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: = normal; FONT-STYLE: normal; FONT-FAMILY: Arial, Helvetica, sans-serif } .footer { BACKGROUND-POSITION: center 50%; FONT-SIZE: 10px; FONT-FAMILY: Arial, = Helvetica, sans-serif; TEXT-ALIGN: center } .top { FONT-SIZE: 10px; FONT-FAMILY: Arial, Helvetica, sans-serif; TEXT-ALIGN: = right } .tablespacing { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 5px; = PADDING-TOP: 10px } .fontsmall { FONT-SIZE: 11px; FONT-FAMILY: Arial, Helvetica, sans-serif } .navigation { FONT-SIZE: 10px; FONT-FAMILY: Arial, Helvetica, sans-serif } .invisiblelink { FONT-SIZE: 10px; COLOR: #ffffff; FONT-FAMILY: Arial, Helvetica, = sans-serif; TEXT-DECORATION: none } A.menubar:link { COLOR: blue } A.menubar:visited { COLOR: purple } A.menubar:hover { COLOR: #cc3333 } A.menubar:active { COLOR: purple } .toplogo { FONT-WEIGHT: bold; FONT-SIZE: 14px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: = normal; FONT-STYLE: normal; FONT-FAMILY: Arial, Helvetica, sans-serif } .search { FONT-SIZE: 10px; CLIP: ; FONT-FAMILY: Arial, Helvetica, sans-serif } .side { FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .subparagraph { FONT-WEIGHT: normal; FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, = sans-serif; TOP: -5px } .head { FONT-WEIGHT: bolder; FONT-SIZE: 18px; FONT-FAMILY: Arial, Helvetica, = sans-serif } .recentupdateslink { FONT-WEIGHT: bolder; FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, = sans-serif; TEXT-ALIGN: left } .updatetitle { FONT-WEIGHT: bold; FONT-SIZE: 14px; COLOR: #ff0000; TEXT-INDENT: 5pt; = FONT-FAMILY: Arial, Helvetica, sans-serif; TEXT-ALIGN: left } .updatebodytest { BACKGROUND-POSITION: left 50%; FONT-WEIGHT: normal; FONT-SIZE: 12px; = FONT-STYLE: normal; FONT-FAMILY: Arial, Helvetica, sans-serif; = TEXT-ALIGN: left; FONT-VARIANT: normal } .updatebold { BACKGROUND-POSITION: left 50%; FONT-WEIGHT: bold; FONT-SIZE: 12px; = FONT-STYLE: normal; FONT-FAMILY: Arial, Helvetica, sans-serif; = TEXT-ALIGN: left } .body { COLOR: #000000; FONT-FAMILY: Arial, sans-serif; BACKGROUND-COLOR: = #ffffff } .a { TEXT-DECORATION: underline } .a:link { COLOR: blue; BACKGROUND-COLOR: #ffffff } .a:visited { COLOR: red; BACKGROUND-COLOR: #ffffff } .a:active { COLOR: #ff0000; BACKGROUND-COLOR: #ffffff } .p { FONT-WEIGHT: normal; WIDTH: 474px; BACKGROUND-REPEAT: no-repeat; = FONT-FAMILY: Arial, sans-serif; TEXT-ALIGN: center } .title { FONT-WEIGHT: bold; FONT-SIZE: 20px; FONT-FAMILY: Arial, Helvetica, = sans-serif; TEXT-ALIGN: left } .subtitle { FONT-WEIGHT: bold; FONT-SIZE: 14px; FONT-FAMILY: Arial, Helvetica, = sans-serif; TEXT-ALIGN: left } .mainheader { FONT-WEIGHT: bold; FONT-SIZE: 130% } .chapter { FONT-WEIGHT: bold; FONT-SIZE: 16px; FONT-FAMILY: Arial, Helvetica, = sans-serif; TEXT-ALIGN: left } .subchapter { FONT-WEIGHT: bold; FONT-SIZE: 14px; FONT-FAMILY: Arial, Helvetica, = sans-serif; TEXT-ALIGN: left } .part { FONT-WEIGHT: bold; FONT-SIZE: 100% } .subpart { FONT-SIZE: 90%; COLOR: blue; BACKGROUND-COLOR: #ffffff } .nopart { COLOR: green; BACKGROUND-COLOR: #ffffff } .reserved { COLOR: red; BACKGROUND-COLOR: #ffffff } .menu { FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .hilite { FONT-WEIGHT: bold; COLOR: #cc0000 } ------=_NextPart_000_0000_01C8545C.DB66F020 Content-Type: text/css; charset="iso-8859-1" Content-Transfer-Encoding: 7bit Content-Location: http://ecfr.gpoaccess.gov/e/ecfr/styles/print.css #topnav { DISPLAY: none } #leftnav { DISPLAY: none } .tablespacing { PADDING-LEFT: 0px } ------=_NextPart_000_0000_01C8545C.DB66F020--