Menu
Please Join Today!
view counter

District's bid to outsource substitute teachers falters

By Kevin McCorry for NewsWorks on Sep 11, 2015 10:43 PM

Editor's note


The Philadelphia School District's push to outsource substitute teaching services has thus far been a major disappointment.

The Cherry Hill-based Source4Teachers promised to fill 90 percent of absences, but its rate through the first week of school hasn't come close.

Finding enough subs has been a problem for years in the District, where the fill-rate averaged about 60 percent. It was that number that pushed District leaders to sign a $34 million contract in June with Source4Teachers.

That group promised to lift the fill-rate to more than 75 percent on day one of classes and 90 percent by January.

But after a week of classes with the private firm in charge, District officials say they are "concerned."

The fill-rate has plummeted to just 11 percent — alarming principals across the District.

"I'm hopeful that the percentage increases dramatically next week, because it's been a challenge this week," said Tim McKenna, principal of Central High School, a magnet school that typically has been able to cover 100 percent of its absences.

On Friday, the school had seven absences and zero subs to cover, which means that other teachers had to scramble.

So was outsourcing a bad idea?

"That's basically above my pay grade. I know that they've partnered with this company because they have a great track record in other districts," said McKenna. "I'm trying to remain optimistic, and hopefully they come through like they've promised."

Source4Teachers says it needs 5,000 subs on standby to cover Philadelphia classrooms when absences peak at 1,000 per day.

Despite a major marketing push, the firm only has 300 signed up, and — confounding them — even many of those haven't been jumping to fill openings.

By January, if the outside firm doesn't reach a 90 percent fill-rate, it will face financial penalties.

Will Source4Teachers make it?

"I'm not in a position to speculate on that," said company spokesman Owen Murphy. "My hopes and intentions are certainly that we'll make that number."

An additional 600 applicants are in the process of joining Source4Teachers, Murphy said.

The firm manages substitutes in more than 200 districts across the country, with Philadelphia as its largest contract.

Pay scale

Some teachers attribute Source4Teachers' early struggles to the year-to-year differences in substitute pay.

For subs with little experience, Source4Teachers is offering better pay than the District had.

Where the District offered a $75 per diem rate to certified teachers and $48 for uncertified teachers, Source4Teachers pays $90 to $110 for those with certification, and between $75 and $90 for substitutes lacking certification.

For those with 22 days or more experience, the old deal was better. The District had been offering $127 for uncertified subs and $160 for credentialed subs.

Source4Teachers pays those teachers between $100 and $140.

Retired teachers have particularly less incentive to join the privatized system. After earning $243 daily under the old scale, they, too, would max out at $140 with Source4Teachers.

"I really couldn't say whether the daily rate is the issue here," said School District spokesman Fernando Gallard.

Philadelphia Federation of Teachers president Jerry Jordan disagreed.

"These are professionals. When you look at rate of pay Source4Teachers are paying them, it's barely above minimum wage for a professional," said Jordan. "If they're going to work for those wages, they can do that in a number of places that are a lot less challenging than working as a teacher."

In the past, the District encouraged retirees who had taught in hard-to-staff schools to substitute in them by offering a higher rate.

After a state audit, the District was ordered to curtail that practice. They first had to offer sub positions to certified teachers, then to uncertified, and only as a last resort to retirees, who collected per diems in addition to their pensions.

In the wake of the Great Recession, in an attempt to save money, the District stopped hiring retiree substitutes — a move that union officials blame for the lower fill-rate in recent years.

Retirees are now free to substitute through Source4Teachers at the lower per diem.

Jordan said the union has not actively dissuaded any of its retired members from doing so.

"We haven't done that; we certainly know that people need to eat and feed their families and pay their bills," said Jordan. "We're fighting the District's outsourcing of substitute teacher positions. We'd rather fight the District than put the blame on members who had nothing to do with this."

Jordan particularly faulted Source4Teachers for not better filling substitute positions related to maternity leave and long-term disability.

Before this year, those positions were filled early and subs were given the opportunity to set up classrooms and integrate with the staff, Jordan said.

"That did not happen this year," he said. "A number of schools don't have the people."

In addition to the District's vacancies due to absences, it still has 99 positions that have remained unfilled.

Editor's note: The School District has clarified that the fill rates they have been reporting to the media are the overall fill rates for substitute positions. These reported fill rates have counted the positions filled by 24 salaried District instructional coaches who have been reassigned as substitutes. The fill rates the Notebook has cited in its coverage thus overstate the fill rate attributable to Source4Teachers by between 3 and 4 percent.  District spokesperson Fernando Gallard said the District "will use the fill rate attributable to Source4Teachers when reviewing their contract."

 

Notebook contributing editor Dale Mezzacappa contributed to this story.

Click Here
view counter

Comments (62)

Submitted by David Hensel (not verified) on September 12, 2015 4:20 am
#Outsource4NoTeachers
Submitted by Gloria Endres (not verified) on September 12, 2015 6:58 am

Why is this a surprise to anyone? The pay scale is barely above minimum wage and with no other benefits. There are easier jobs out there that pay better. 

This is a Mickey Mouse organization that just scored a big payday from a school leadership determined to privatize as much of the system as possible, to weaken and eventually destroy the union and simply outsource the whole caboodle. 

Outrageous.

Submitted by Ken (not verified) on September 12, 2015 7:30 am

Can someone find out what these financial penalties are when they don't hit their 90% target by January?  Why do I have a feeling that the money Source4 will lose is really a token amount?

Submitted by Anonymous (not verified) on September 12, 2015 9:19 pm

You can file a Right To Know request to get a copy of the contract from the district.

 

Submitted by Concerned Phila. (not verified) on September 12, 2015 8:39 am

If Source4Teachers is not able to provide substitutes, is is possible for parents to file a class action lawsuit?  11% "fill rate" is a disaster.

Submitted by Anonymous (not verified) on September 12, 2015 9:50 am

Additional related service professionals such as long term substitute speech therapists were also lost due to outsourcing. Speech therapists may be able to earn $90 per hour in some parts of the city due to demand and scarcity of qualified professionals. Not one of the retired speech subs returned this year due to this contract with Source4Teachers.

No new SDP speech therapists have been hired thus far this year- these jobs are quietly being outsourced to contract agencies.

Submitted by Susan Roe (not verified) on September 12, 2015 5:03 pm

I am retired hearing support. Same for our dept partly because there isn't even a supervisor in place! That being said, I am working for them because I need the money but it is a very sad situation!

 

Submitted by Anonymous (not verified) on September 12, 2015 10:14 am

All of the new six-figure administrative hires charged with solving problems in their schools should solve the problem by filling in as substitutes instead of sitting at their desks and/or roaming the halls doing absolutely nothing for their six figures.

Submitted by Anonymous (not verified) on September 12, 2015 3:08 pm

Good luck with that one.  lol  Our super told us to handle the four long term absences we have in house. 

Submitted by Concerned Phila. (not verified) on September 12, 2015 4:01 pm

Apparently this is happening at many schools - rather than hire a long term sub, teachers have to cover.  As a parent, it is infuriating.  Where is HR?  

Submitted by The Hite of Arrogance! (not verified) on September 13, 2015 3:49 pm

HR was removed so Hite could use the money to hire another six figure donothing employee.

Submitted by Anonymous (not verified) on September 12, 2015 9:52 pm

They are Kendra Rosati (imported from Teach for America now running HR), Naomi Wyat (chief of staff and Rendell protege) and Frances Burns (former Philly L&I chief connected to many City politicos). These three are a very dangerous trio and they're running the show at 440. The sub outsourcing scam is one of their greatest accomplishments but I'm sure they have a lot more up their sleaves.

 

Submitted by Anonymous (not verified) on September 13, 2015 4:52 pm

You are correct. These three and many others have very little school-based experience  yet are making decisions for everyone. Kendra just hired Katie Schelsinger at a six figure salary yo do nothing. Dr Hite must have his head in the sand. 

Submitted by Anonymous (not verified) on September 12, 2015 12:24 pm

Tis article is somewhat inaccurate.  A certified teacher can only earn $140/day if that sub is in a long-term position.  Source4Teachers did offer us a bonus of $10/day for working in September.  I am a retired high school teacher who will only take high school substitute positions.  They are few and far between.  I only saw one Central position listed, and that was for a long-term math teacher.  I am not certified in math.  For the past 7 years, I earned over $200/day subbing.  I am under 65, and my health insurance costs $1,344/month for my husband and myself.  Add to that the cost of a prescription plan, and those two take a huge chunk out of my pension each month.

Submitted by Anonymous (not verified) on September 12, 2015 1:43 pm

wow.....I have 13 before I am 63 and it is 17 if I want to get to SS. I best start rethinking my plan now.

Linda K.

Submitted by Anonymous (not verified) on September 12, 2015 3:15 pm

Linda K., you are absolutely right.  

Submitted by Anonymous (not verified) on September 12, 2015 4:56 pm

Then something is wrong and you aren't getting the information. Northeast HS had about 50 coverages each day last week (meaning a shortage of 10 teachers). Numerous subject areas: history, science, English, foreign language, etc. Nearly everyone had to cover a class at least once, most twice, including counselors and admins.

Submitted by Anonymous (not verified) on September 12, 2015 4:08 pm

There were 4 long-term listings for NE--2 science, a Spanish, and another subject.  That was last weekend and Tuesday; after that, nothing was listed for NE.  You are correct--something is amiss with job listings.  I received texts from my friend at Wilson--"There are 3 absences--where are you?"  I received NO LISTINGS.  I grabbed a Washington listing on Thursday for Friday.  There is definitely something odd going on.  I would sub at NE in a nanosecond (not long-term for $90/day for the first 21 days).

 

Submitted by anonymous (not verified) on September 12, 2015 5:55 pm

Is there a history vacancy at Northeast? My son is waiting to be called for a history position! His connection in HR said hopefully filling positions soon Don't hold your breath!

Submitted by Anonymous (not verified) on September 13, 2015 7:57 am

Don't y'all realize that you are being PLAYED? They AREN'T POSTING all the sub vacancies because it makes them look bad to have too many open-ings and no takers. Overworked, stressed out teachers will be forced to do endless in-house coverage as more and more of you burn out and walk out. But you'll make a lot of very fat cats in Jersey a lot fatter.

Submitted by anonymous (not verified) on September 13, 2015 8:40 am

PRECISELY!!!!!!!!!!

Submitted by Anonymous (not verified) on September 13, 2015 10:14 am

Please suggest an alternative.

 

Submitted by Anonymous (not verified) on September 13, 2015 10:20 am

Requesting an alternative at this point is something akin to a chronic alcoholic requesting an alternative to cirhosis after several decades of drinking. Philly is reaping what several years of corrupt administrators have sowed.

For teachers, an obvious alternative is to refuse to cover. For districts, alternatives are scarce. A dearth of Education majors. Massive TFA defections. Experienced teachers refusing to work for Charter school slave wages.

Oooops, I forgot. Charter schools were supposed to BE the alternative.

Submitted by Anonymous (not verified) on September 13, 2015 12:35 pm

How does one refuse a coverage?  204; being targeted by the principal; administrative transfer...

 

Submitted by Anonymous (not verified) on September 14, 2015 7:58 am

How does one refuse a coveage? One simplysays "no." You are NOT bound by contract to  

helm anyone's class but your own. Or do you enjoy being a doormat?

Submitted by Anonymous (not verified) on September 14, 2015 8:51 am

Have you taught for the SDP?  I have seen teachers' careers destroyed by not covering classes.

 

Submitted by Anonymous (not verified) on September 14, 2015 1:02 pm

I taught 12 years. I refused often. I did just fine.

I suspect that you are either an SDP administrator or an alarmist.

Submitted by Anonymous (not verified) on September 14, 2015 1:44 pm

I taught 12 years. I refused often. I did just fine.

I suspect that you are either an SDP administrator or an alarmist.

Submitted by Anonymous (not verified) on September 14, 2015 1:55 pm

I taught 12 years. I refused often. I did just fine.

I suspect that you are either an SDP administrator or an alarmist.

Submitted by Anonymous (not verified) on September 14, 2015 5:25 pm

I am a retired teacher (42 years).  I participated in the 2-month strike in 1981.  I learned how to navigate the district, and I learned how not to aggrivate administrators.

Submitted by Used to Teach (not verified) on September 17, 2015 8:18 am

Liar!!  You covered and you know it!!  Lol!!  We are professionally responsible to cover.  Our contract outlines coverages and how we are to be compensated for prep loss.  Stop spreading this garbage!  We need to support one another during this mess!  

Submitted by Anonymous (not verified) on September 13, 2015 2:13 pm
2 history long term sub positions at Northeast, one English, not sure about math. Most of our vacancies are science.
Submitted by Anonymous (not verified) on September 13, 2015 3:56 pm

I am science certified.  I would take one of the vacancies IF IT WERE POSTED!!!  There is nothing on SAMS.  I pay for Jobulator, which sends me positions as soon as they are posted.  My phone is on 24-7.  I would know if there were posts.  Once again, union busting.

 

Submitted by anonymous (not verified) on September 14, 2015 8:32 am

So here is today's debacle! I got a copy of an email sent either by S4T or their payroll people - Primepoint from a friend. I never got the actual email from them, not did my friend above with the science cert. So I waited in queue for over an hour this morning just for FUN?? The call center person said, "I don't understand. Are you looking for a job for the day?" "No, I am trying to make sure I am in for the days last week AND that I will be paid. Also why did I never get that email?" "We never sent an email!" "My friend forwarded the email to me! There is an email!" "We never sent it! Go to the S4T resources tab and get that info!" Whatever! I go to the S4T website and try to go to the resources tab. I GET AN INCORRECT ID AND PIN MESSAGE!!! Now....I can log in on SAMS but am not able to log in to their website for ANY OTHER INFO! How long until they turn tail and run???? I AM DONE!

 

Submitted by anon (not verified) on September 12, 2015 4:43 pm

me thinks the author of this piece must be taking his talking points straight from hite's press secretary, when he states, 

"Finding enough subs has been a problem for years in the District, where the fill-rate averaged about 60 percent. It was that number that pushed District leaders to sign a $34 million contract in June with Source4Teachers."

if you truly believe that was the district's primary motivation to outsource, then you simply haven't been paying attention to the shenanigans that are (sadly) standard operating procedure at 440 (ely) broad.

it's obvious hite, his privatize cronies, and the resource4teachers head honcho, all of whom I'm sure must've had some exposure to a basic econ101 course somewhere along the line that would've exposed them to some supply and demand basics, should've known this turkey wouldn't fly.  you don't fill positions by cutting pay. hite simply (once again), put his anti-union sentiments ahead of the welfare of the children of philadelphia and to the detriment of the working conditions of the professional staff of teachers that he would have us believe he is the leader of.  

 

Submitted by anonymous (not verified) on September 13, 2015 2:37 am

But the media LOVES Hite. Hite will sell this school district down the tubes and there will be not an utterance of criticism from the DN or Inquirer editorial boards.

Submitted by XBox1 (not verified) on September 13, 2015 6:56 am

Econ 101 says that people don't like to pay high taxes.  If you raise taxes too high to pay for union nurses, subs, librarians, etc. then people start to leave.  If people leave then there are fewer people to tax and you have to get more tax from each person.  So more people leave.  It's the so-called "death spiral".  Econ 101 also says the purpose of unions is to keep wages high, either by limiting entry to the profession or by strike threat.  Whether or not unions improve schools is anybody's guess.  

Submitted by Gloria Endres (not verified) on September 13, 2015 8:44 am

And where will those people who "leave" go?  To the suburbs where the cost of living is higher and taxes are higher? School districts surrounding Philadelphia pay much better than Philly ever did.

What will make people leave is not the threat of taxes, but the quality of schools. Parents rightfully would resent sending their children to a school where they had to sit in inadequately staffed classrooms. 

Submitted by Poogie (not verified) on September 12, 2015 6:15 pm

The new New York minimum wage for fast food workers is $15. On a 6 1/2 hour day the Source for teachers pays less than a Times Square McDonalds.

 

Yet Gallard does not know if the wage scale is the problem?? He is either very stupid or a very big liar. Am I wrong?

 

The PFT wage will one day be near the minimum wage since we are never getting another raise. Of any kind!!!

Submitted by anon (not verified) on September 12, 2015 8:47 pm

round here, that qualifies you as an optimist.  those suckers won't be happy till they see our pay cut.

Submitted by Jane Rose (not verified) on September 12, 2015 6:54 pm

Yes, something is wrong with the rates that are listed here. As a former SDP substitute teacher (certified), I earned $160.10 per diem. Source4Teachers only offered me $90 per diem when to sign on with them. I never completed the process and accepted employment elsewhere.

I think substitute teachers have the power to start the revolution we have been seeking in public education. It will cause appointed teachers some stress and aggravation of continued coverages, but all subs should BOYCOTT Source4Teachers and go elsewhere for now. (Kelly Ed services for example who pay more than S4T).

 

Submitted by Anonymous (not verified) on September 12, 2015 6:31 pm

As much as I need the money, I truly love and believe in the School District of Philadelphia.  I spent my entire career here, and the students deserve to have teachers who want to be here.  I feel very badly for the teachers who have their preps taken away and have to cover classes.  I refuse to give up on the SDP. 

Submitted by Publius (not verified) on September 12, 2015 7:20 pm
I am going to enjoy the moment Helen Gym sits in Bill Green's old seat, the hour Kenney is inaugurated and the day "Bill" informs the city that his job is complete as he goes to another major American city to destroy workers rights and minority childrens' schools. What a way to make a living.. All of this evil will consume itself...
Submitted by XBox1 (not verified) on September 13, 2015 5:11 am

Is Gym going to try and close charters even if parents want them?  What if there is still no state budget passed if and when she is elected?   Where is she going to get the money to rehire union nurses, subs, librarians, etc.?   What if the stock market keeps going downhill, putting the state in more debt?  

Submitted by Publius (not verified) on September 13, 2015 6:52 am
Mr. Green, I presume, I'm happy you put down your XBox down to comment. However, personalizing state policy is childish at best. It's very interesting to see the threat one lady can present to a privateer army. You may not be able to notice it but Philadelphia is back. Much to the consternation of small town bigots who conspire politically against the keystone city of the USA. Charters are wedges used to confuse and divide the poor. Why are there no charters in the Philly's surrounding burbs? Well, a crude analogy, it's akin to a drug dealer who sells poison in others' communities but would never do that where his children live. Democracy nears, it's time for the money changers to leave the temple...
Submitted by Gloria Endres (not verified) on September 13, 2015 8:32 am

Hear! Hear!

Submitted by XBox1 (not verified) on September 13, 2015 3:59 pm

The only thing that "came back" in Philly is the Philadelphia Orchestra after its bankruptcy. The orchestra is working with fewer permanent members to reduce its payroll.  Unlike schools, orchestras can go out of business if they have budget problems.  Check out the website www.Caroljantsch.com.  It sure changes my idea of what tuba players look like. 

Submitted by Publius (not verified) on September 13, 2015 4:57 pm
Dear William, the loss of your council seat as well as the chair of the SRC seem to have left you "standing" on emotionally unstable grounds. To reference a tuba player while thousands of children are potentially left unattended thanks to a no bid contract is disturbing. Seek help. Fact: there are currently 4,000 new homes being built in Philadelphia in the next 18 months. Now, that is music to my ears... Go PFT!
Submitted by Anonymous (not verified) on September 13, 2015 3:42 pm

Yeah this really does sound like Bill Green... and stop with the red herrings ... our economic woes having nothing to do with public schools.  How about the republicans allow Wolf to pass his budget, we tax the Marcellus Shale, and we stop allowing corporate tax breaks for companies like Comcast who pay absolutely nothing in taxes to the city and haven't for years.  C'mon people, corporate welfare makes up the large part of your tax dollars ... so stop blaming people who make less than minimum wage and go after the real enemy!

Submitted by anon (not verified) on September 12, 2015 7:32 pm

these numbers sound bogus.   the district was paying $48 a day for uncertified teachers???  $75 for certified?  that can't be right, can it?

 

"For subs with little experience, Source4Teachers is offering better pay than the District had.

Where the District offered a $75 per diem rate to certified teachers and $48 for uncertified teachers, Source4Teachers pays $90 to $110 for those with certification, and between $75 and $90 for substitutes lacking certification."

Submitted by Concerned Phila. (not verified) on September 12, 2015 8:04 pm

The (high) school day is 7 hours and 4 minutes.  $48/day is less than minimum wage  - 7 x 7.25 - $50.75.  I assume the SDP paid at least minimum wage!  

Submitted by anon (not verified) on September 12, 2015 8:28 pm

you know what they say about assuming.

Submitted by The Hite of Arrogance! (not verified) on September 12, 2015 8:34 pm

Second day of school and already teachers are getting their preps pulled so they can cover classes with no teachers. Wake up, Philly, you're gonna be like Kansas soon if you don't start supporting your teachers with something other than lip service.

 

Submitted by Anonymous (not verified) on September 13, 2015 11:38 am

Are Kendra, Naomi, and Fran, a dangerous trio or totally incompetent? Maybe that is why they change jobs and wind up at the SDP. Nobody else would hire them at their current salaries.  

Submitted by Anonymous (not verified) on September 13, 2015 3:06 pm

paying 34 million to a company that could not produce is not a falter, it's a fail.

 

Submitted by Anonymous (not verified) on September 13, 2015 4:02 pm

There will be no cost savings in this. Each time a teacher has to cover he/she gets paid to do so.

Submitted by Concerned Philadelphian (not verified) on September 14, 2015 4:44 am

I assume Source4Teachers new before 9/2/2015 that they were far short on substitutes.  Weren't they in communication with the SDP HR Dept?  They had to know their recruitment was far below the 5000 needed.  Therefore, the HR Dept. head should also "role" - starting with Naomi Wyatt (Hite's Chief of Staff) who concocted this fiasco.  

Submitted by Anonymous (not verified) on September 22, 2015 11:10 pm

I work for S4Teachers in their "permanent" division; when we returned to work this September we were unable to use SAMS or the regular computer to log in (and ensure we would be paid) two weeks went by and the substitutes were able to log in but the old paras were not being sent their new PINS. I suppose that Source was trying to get the subs their new PINS and so on... it's always a mess there. I have not completed my teaching cert due to unexpected life events over the years. I would teach if I could, but for now I work for this mess called Source... While the district paras have personal days and pensions, I work for what is just above minimum wage. I am on food stamps as a result. My child is in subsidized childcare. I need whatever assistance I can get from the state. So... It's funny because the district paras are jealous that I can take off a day without going through the hoops they have to go through with HR... I'd trade that for paid sick days and health coverage, something at least CLOSER to a living wage AND summers off. 

Submitted by Julia (not verified) on September 29, 2015 4:57 am

and also something more on this topic: http://internetdevels.com/blog/how-to-outsource-web-development

Submitted by Anonymous (not verified) on November 19, 2015 9:56 am

I worked for several "sub services" last year including source4teachers. DISTRICTS set their daily rate of pay for substitues NOT the sub service! I subbed for at least ten districts last year, some through sub services and others who handled their subbing needs "in house", and every district offered different daily rates.

I personally found source4teachers to be extrememly disorganized, and their failure to provide subs for the PSD doesn't surprise me at all. I would routinely get calls from them asking why I wasn't accepting assignments supposedly available through Aesop (the online site for substitute teachers), and the problem was the assignments were not showing up on Aesop!

The best experience I had with a sub service was STS (Substitute Teacher Services). I NEVER experienced even one instance of positions mysteriously "missing" from the Aesop site with STS. STS is also contracted with a much larger number of districts in the Philadelphia area than source4teachers, so I would imagine their pool of substitutes is much larger as well.

It's unfortunate PSD didn't choose to contract with STS instead of source4teachers. I'm guessing the choice came down to $$$, but you usually get what you pay for!

Submitted by Roja (not verified) on November 19, 2016 11:11 pm

Really special blog post, Thanks for your time designed for writing It education Outstandingly drafted guide, if only every webmasters marketed the exact same a better standard of subject matter whilst you. At present go here https://www.usacheckcashingstore.com/costa-mesa Bless you designed for attractive tips.

Submitted by العاب باربي (not verified) on November 30, 2016 7:35 am

Thanks for this information article

العاب تلبيس

Post new comment

The content of this field is kept private and will not be shown publicly.

By using this service you agree not to post material that is obscene, harassing, defamatory, or otherwise objectionable. We reserve the right to delete or remove any material deemed to be in violation of this rule, and to ban anyone who violates this rule. Please see our "Terms of Usage" for more detail concerning your obligations as a user of this service. Reader comments are limited to 500 words. You are fully responsible for the content that you post.

Follow Us On

Read the latest print issue

Philly Ed Feed

Recent Comments

Top

Public School Notebook

699 Ranstead St.
Third Floor
Philadelphia, PA 19106
Phone: (215) 839-0082
Fax: (215) 238-2300
notebook@thenotebook.org

© Copyright 2013 The Philadelphia Public School Notebook. All Rights Reserved.
Terms of Usage and Privacy Policy