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Policy Starts Here

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Report on Giving 2019


As an independent, non-partisan, non-profit organization
and a registered charity, the C.D. Howe Institute shares

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insight on policy challenges and developments.

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On the cover, clockwise:


Ed Clark; Hugh MacKinnon and Marcia Moffat;
Maureen Farrow; Mickey Cohen; Andrea Cohen
Barrack and Naki Osutei; Aaron and Heather Regent
Leadership Message
The C.D. Howe Institute was born out of a need. unique among public policy think tanks. In today’s
A need to raise awareness of Canadian public policy world of fake news and polarized views, credible and
challenges. A need for reasoned, evidence-based, constructive voices are more crucial than ever. Your
constructive solutions. support enables the Institute to add non-partisan,
For more than 60 years, the Institute has responded disinterested perspectives and fresh ideas to policy
to that need. It has fostered research and discussion discussions. To present alternative approaches where
on issues that affect Canadians’ well-being, from evidence is uncertain. To tell it like it is.
trade and economic growth, through the effective You, the C.D. Howe Institute’s members recognize
design and sustainability of our education, health the continued need for authoritative work on
and income-security programs, to governance, Canada’s challenges and solutions. Your donations
accountability, and the health of our federation. And support the rigorous research and open dialogue that
for more than 60 years, the Institute’s members and fosters better policy and improves Canadians’ lives.
friends have supported that mission with their ideas, All Canadians benefit from your support.
their participation and their donations. We know how fortunate we are to be able to rely
Each year the Institute releases dozens of high- on such dedicated members. Thank you for your
quality research and council reports that reach leaders commitment to Canadian prosperity and quality of
in the private and public sectors across the country. life, and thank you for your generous and ongoing
The Institute’s research undergoes rigorous review support.
by outside academics and independent experts,
and its quality control is subject to an annual audit

William B.P. Robson Duncan T. Munn


President and CEO Senior Vice President and
Chief Operating Officer

2019 C.D. HOWE INSTITUTE REPORT ON GIVING | 1


Your Philanthropic
Dollars at Work in 2019

#1
Think Tank
in Canada
The C.D. Howe Institute has won
more research awards than any
Canadian think tank including
six Purvis Prizes, the highest honour
in Canadian economic policy writing.

ESSENTIAL OUTPUT

109+ 62+ 230+


exclusive, high-quality Intelligence
off-the-record research and Memos
policy events council reports

Projected totals for 2019

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LEADING THE CONVERSATION

13,600 social media citations

5,500+ digital, print and broadcast citations


in Canadian media

204 citations in The Globe and Mail and the


National Post, more than any other think tank

120+ 59 50
interviews op-eds policy outreach
presentations

All data as of December 3, 2019

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2019 Major Gifts
and Grants
Thank you for making our work possible. The C.D. Howe Institute relies on your charitable support to
deliver on our mission. We have modest resources and do not receive eight-figure endowments or major,
multi-year government grants. All donations are purely philanthropic – the Institute does not accept any
donations that stipulate a predetermined result or otherwise inhibit the independence of its staff and authors.
Targeted major gifts and event sponsorships enable supporters to bolster the Institute’s research and
dissemination capacities in specific areas of interest. They complement the annual membership campaign,
strengthening the Institute and enabling it to recruit scholars and support programs that enhance its ability
to develop innovative solutions to policy challenges. We gratefully acknowledge the following donors and
sponsors:

MAJOR GIFTS FROM INDIVIDUALS


James C. Baillie Hélène Desmarais Richard Howson (The e ff h
Scott Burns Wendy Dobson Petman Foundation) Craig C. Thorburn
Bert Clark Maureen Farrow Donald K. Johnson Red Wilson (The Wilson
Jack Cockwell Paul Fletcher Brian and Colleen Foundation)
Mickey and Judi Cohen Briar Foster Johnston
John Crow Blake Goldring Robert Kaplan
Malkin Dare John and Rebecca Thomas E. Kierans
Ed Clark (Clark Family Horwood Don Reimer
Foundation)

MAJOR GRANTS FROM ORGANIZATIONS


Canada Infrastructure The Conference Lotte and John Hecht OREA – Ontario Real
Bank for Advanced Life Memorial Foundation Estate Association
Canada’s Venture Underwriting ICICI Bank Power Corporation of
Capital & Private John Dobson Insurance Bureau of Canada
Equity Association Foundation Canada The Regent Family
Canadian Finance & Donner Canadian Johnson & Johnson Inc. Foundation
Leasing Association Foundation Canada Sun Life Financial Inc.
Canadian Life and Forest Products Manulife Financial he r e e
Health Insurance Association of Canada Mattamy Homes Foundation
Association Inc. The Great-West Life Max Bell Foundation
Crabtree Foundation Assurance Company

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Special Thanks
Special thanks to $400,000 gift
Hugh MacKinnon to support the
for his contributions Endowment Fund
and leadership as for Special Studies
the Institute’s Board and the Scholars’
of Directors Chair. Dinner.

Hugh MacKinnon Wendy Dobson

More than $125,000, starting


$200,000 in 2015
since 2013 to support the
to support the Institute’s policy
Institute’s policy work, focussing on
work across its productivity and
full spectrum of innovation.
activities.

Briar Foster Richard Howson


(Petman Foundation)

$100,000 pledge $100,000 gift


to support the over five years
Institute’s podcast, to enhance the
a critical product Institute’s research
to educate the capacity and expand
public and increase the scope of its
awareness of the communications.
Institute’s policy
intelligence.

Maureen Farrow Don Johnson

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Special Thanks
The Regent Debates are made possible thanks
to the philanthropic support of Aaron and Heather
Regent. With the goal of creating a platform
for serious discussion on policy issues essential
to Canada’s future, the debates bring together
prominent voices to weigh in on top policy issues.
In 2019, the C.D. Institute hosted its third
Regent Debate that addressed the question:
should governments regulate Big Tech to protect
the public interest?
Thank you to Aaron and Heather Regent for
their generous multi-year gift to make these
debates possible.
Aaron Regent is the founder and managing
partner of Magris Resources Inc. and long-time
director and supporter of the C.D. Howe Institute.

From top to bottom:


Aaron Regent;
Aaron Regent, David Plouffe,
James Comey, Duncan Munn,
Melanie Aitken, Robert
Atkinson, Hugh MacKinnon,
and Bill Robson;
Melanie Aitken, James Comey,
Bill Robson, Robert Atkinson,
and David Plouffe

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Members and Guests

Clockwise from top left:


Owen Guo and Wendy Dobson; Alfred Wirth; Bert Clark; Jackie Forrest

2019 C.D. HOWE INSTITUTE REPORT ON GIVING | 7


Sponsorships

DINNER SPONSORS

CONFERENCE SPONSORS

DEBATE SPONSORS

Aaron and Heather Regent

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Sponsorships
HEALTH PARTNERSHIP SUMMIT SPONSORS

ROUNDTABLE LUNCHEON SPONSORS

2019 C.D. HOWE INSTITUTE REPORT ON GIVING | 9


Sponsorships
ROUNDTABLE LUNCHEON SPONSORS ( CONT’D)

STUDENT TABLES SPONSORS

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Members and Guests

Clockwise from top left: Cheryl Bailey; Denis Hamel; Lisa Baiton; To Anh Tran

2019 C.D. HOWE INSTITUTE REPORT ON GIVING | 11


The Institute’s
Supporters
Your donations enable the Institute to respond quickly and authoritatively to issues that are defining Canada’s
future – and by so doing, improve the economic and social well-being of all Canadians.

Individuals David Dodge H. Hunter Robert Morrison


Robert Dunlop Julien Hutchinson Edward Neufeld
Babak Abbaszadeh Janet Ecker Richard Ivey Angelo Nikolakakis
Lalit Aggarwal Mohammed Eslami Jon Johnson Joe Nunes
Dalton Albrecht Don Ezra Robert Kaplan Dave Oblender
Keith Ambachtsheer William Falk John Kazanjian Nick Pantaleo
Andrée Appleton John Farrow Claire Kennedy Reginald Petersen
E. James Arnett, Q.C. James Feehan Anna Kennedy David Phillips
James C. Baillie George Fierheller Jan Kestle David Powell
Donald Bennett Paul Fletcher Thomas Kierans Donald Reimer
George Bezaire Briar Foster Frank Killoran Robert Richards
Thomas Bogart Kevin Gaudet Brian Klunder William Robson
Robert Bothwell Robert Gold Michael Landry William Rosenfeld
Helen Burstyn Peter Goring J Spencer Lanthier Gerald Schwartz
Robert Buttke Robert Graham David LeGresley Helen Sinclair
Peter Buzzi John A.G. Grant David Leslie Geoff Smith
Justin Caldwell Barry Gros Henry Lotin Paul G. Smith
Robert Caldwell Douglas Grundy Jeffrey Lozon Wayne Steadman
Pat Carlson Geoffrey Hale J.W. MacAleer Daniel Sullivan
Edward Carmichael Mary and Graham Robert MacIntosh Richard Tattersall
Brian Carter Hallward Christina MacKinnon John Tennant
Edmund Clark Malcolm Hamilton Paul Martin Simon Thang
Jack Cockwell Raza Hasan Sabi Marwah Craig Thorburn
Marshall Cohen Timothy Hearn Gerald McCaughey Tom Trimble
David Collyer Lawrence Herman James McIlroy Annette Verschuren
Sherry Cooper Jim Hinds Esther McNeil Howard Wetston
David Copeland Tim Hodgson Anthony Minna John Wilkinson
James D. Fleck Igal Holtzer Jack Mintz Alfred Wirth
Bryan and Malkin Dare Michael Horgan Bruce Mitchell David Wishart
David Denison Rebecca Horwood Ronald Mock Tom Woods
Hélène Desmarais John Horwood Marcia Moffat
Edward Devlin Richard Howson William Molson, CPA, CA
Wendy Dobson Mark Hughes Gary Mooney

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Members and Guests

Clockwise from top left:


Lorna Wright ; Magalie Han and Carolyn Elizabeth; Ralph Massaro and Tarundeep Dhot;
Shafiq Shamji and Vivek Khindria

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The Institute’s
Supporters
Post Secondary Bay Street HR Canadian Business Growth Devon Canada
Bayer Inc. Fund Corporation
Carleton University BC Pension Corporation Canadian Credit Union Donner Canadian
DeGroote School of Bell Canada Association Foundation
Business Bennett Jones LLP Canadian Finance & Earnscliffe Strategy Group
HEC Montréal Birch Hill Equity Partners Leasing Association Economap Inc.
McMaster University BlackRock Asset Canadian Fuels Edco Financial Holdings
Northeastern University Management Association Ltd.
Queen’s University Blake, Cassels & Graydon Canadian Generic EIDCA Specialty Products
The Chang School, LLP Pharmaceutical Company
Ryerson University BMO Financial Group Association E-L Financial Corporation
The University of Calgary Boehringer Ingelheim Canadian Imperial Bank of Limited
University of British Bombardier Inc. Commerce EllisDon Inc.
Columbia Borden Ladner Gervais Canadian Institute for Empire Communities
University of Manitoba LLP Health Information Encana Corporation
University of Toronto Brookfield Asset Canadian National EPCOR
University of Western Management Inc. Institute for the Blind Equitable Bank
Ontario Bruce Power Canadian Real Estate Ernst & Young LLP
Wilfrid Laurier University Burgundy Asset Association Export Development
Management Canadian Tax Foundation Canada
Corporate, BURNCO Group of Canadian Tire Fidelity Investments
Companies Corporation, Limited Finance Montréal
Associations and
Business Council of British Canadian Wireless First National Financial LP
Foundations Columbia Telecommunications Ford Motor Company of
Business Council of Association Canada, Limited
9thCO
Canada Canadians for Clean Forest Products
Accenture
Business Development Prosperity Association of Canada
Advocis
Bank of Canada Candor Investments Ltd. Forge First Asset
AGF Management Limited
C.S.T. Consultants Inc. Capital One Management
Agnico-Eagle Mines Ltd.
CAAT Pension Plan Capital Power Corporation GE Canada
Aird & Berlis LLP
Cadillac Fairview Corp. Ltd. Cenovus Energy Inc. Genworth Financial
Alberta Blue Cross
Caisse de dépôt et Ceridian Canada
Alberta Investment
placement du Québec Chemistry Industry GlaxoSmithKline Inc.
Management
Calgary Real Estate Board Association of Canada Goldcorp Inc.
Corporation
Canada Deposit Insurance Cirque du Soleil Canada Google Canada Inc.
Algoma Central
Corporation Inc. Greater Saskatoon
Corporation
Canada Guaranty Clairvest Group Inc. Chamber of Commerce
Appraisal Institute of
Canada Overseas Cogeco Communication Greater Toronto Airports
Canada
Investments Limited Inc. Authority
ARC Financial Corp.
Canada Pension Plan Concentra Bank Green Shield Canada
Association of Canadian
Investment Board Credit Union Central GWN Capital Management
Pension Management
Canadian Addiction Alberta Limited Ltd.
Association of Power
Treatment Centre Cumberland Private H&R Block Canada, Inc.
Producers of Ontario
Canadian Association of Wealth Management H.H. Angus & Associates
Assuris
Petroleum Producers CWB Financial Group Limited Consulting
ATB Financial
Canadian Bankers DBRS Engineers
ATCO Ltd. & Canadian
Association Deloitte Harvard Developments
Utilities Limited
Canadian Blood Services Desjardins Group Inc., A Hill Company
Barrick Gold Corporation

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Members and Guests

Top left: Sarah Scott, Sam Billard


Top right: Layial El-Hadi
Bottom: Georg Knoth, Mike Szummer, Mandy Grewal and Steven Conrad

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The Institute’s
Supporters
Corporate, Associations and Foundations (cont’d)

Healthcare of Ontario Maclab Development Ontario Medical Summerhill Capital


Pension Plan Group | Maclab Association Management
Healthcare Supply Chain Properties Group Ontario Power Generation Sun Life Financial Inc.
Network Magris Resources Inc. Inc. Suncor Energy Services
HealthPRO Canada Manulife Financial Ontario Real Estate Inc.
Hill & Knowlton Mastercard Canada Association Surrey Board of Trade
Home Trust Company Matco Investments Ltd. Ontario Teachers’ Pension TAO Group Holdings Corp.
Hugessen Consulting Mattamy Homes Plan TC Energy Corporation
Hydro One Inc. Max Bell Foundation OPTrust TD Bank Group
IBM Canada Ltd. Maximus Canada Osler, Hoskin & Harcourt TekSavvy Solutions Inc.
ICICI Bank Canada McCain Foods Limited LLP The Boston Consulting
Imperial Oil McCarthy Tetrault LLP Parkland Fuel Corporation Group
Independent Electricity Medavie EMS Persis Holdings Ltd The Canadian Council
System Operator Medcan Health er C c for Public-Private
Innovative Medicines Management Inc PhRMA Partnerships
Canada Medisys Health Group Inc. Pirie Foundation The Canadian Institute of
Insurance Brokers Medtech Canada Polytechnics Canada Financial Planning
Association of Canada Mercure Conseil Power Corporation of The Canadian Payroll
(IBAC) Meridian Credit Union Canada Association
Insurance Bureau of Limited Property and Casualty The Conference
Canada Metrolinx Insurance Compensation for Advanced Life
Intact Financial Miller Thomson LLP Corporation Underwriting
Corporation MindBeacon Group Public Sector Pension The Great-West Life
Intuit MITACS Investment Board Assurance Company,
Investment Industry Moodys Gartner Tax Law PwC Canada London Life Insurance
Association of Canada LLP Randstad Company and Canada
Investment Industry Morgan Meighen & RBC Life
Regulatory Organization Associates Repsol Oil & Gas Canada The Grocery Foundation
of Canada Morneau Shepell Inc. The Investment Funds
Investment Management National Bank of Canada Residential and Civil Institute of Canada
Corporation of Ontario NAV CANADA Construction Alliance of Think Research
J.P. Morgan Securities Neighbourhood Pharmacy Ontario TMX Group Inc.
Canada Inc. Association of Canada Rogers Communications Toronto Finance
Jackman Foundation Normandin Beaudry Inc. International
Johnson & Johnson Inc. Norton Engineering Inc. Roland Berger Inc. Toronto Region Board of
Canada Norton Rose Fulbright Rothmans, Benson & Trade
JUUL Labs Canada Ltd. Canada LLP Hedges Inc. Torys LLP
Kids Help Phone NOVA Chemicals Sandoz Canada Inc. Validus Risk Management
KingSett Capital Inc. Corporation Scotiabank VIA Rail Canada Inc.
Kinross Gold Corporation Nutrien Ltd. SE Health Visa Canada
KPMG LLP Oak Hill Financial Sionna Investment Weston Forest
Life Sciences Ontario OFX Managers Inc. Willis Towers Watson PLC
LifeLabs OMERS Spencer Stuart Wolf Midstream

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Members and Guests

Top left: Adelaine Thomas


Top right: John Stackhouse
Bottom: Yung Wu, Janet De Silva, Ed Clark and Bill Robson

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Council Members
The C.D. Howe Institute’s policy work is shaped and strengthened by the members of its policy councils.
Recruited from universities, the public service, crown corporations and business, council members play a vital
role in generating support and ideas for specific policy areas. We thank the following individuals for their
participation in the Institute’s policy councils.

ENERGY POLICY FINANCIAL SERVICES


COUNCIL RESEARCH INITIATIVE

Co-Chairs Chair
Rich Kruger Nicholas Le Pan
Elyse Allan
Members
Members
Aled ab Iorwerth Peter Levitt
Jürgen Beier Leah Anderson David Longworth
Michael Bernstein Zahir Antia Winsor Macdonell
Ben Brunnen John Armstrong Monica Masciantonio
David Collyer Paul Bourque Eleanor McIntyre
Rhona DelFrari Peter Bowen Howie Millard
Joseph Doucet Alister Campbell Edward Neufeld
Serge Dupont Frank Chong Neil Parmenter
Bob Espey Greg Cowper Kurt Reiman
Ginny Flood David D’Amour Jennifer Reynolds
Kellen Foreman Pascal Dessureault Pierre Siklos
Dale Friesen Chris Donnelly Ed Skwarek
Peter Gregg Martha Durdin Jennifer Sloan
Ken Hartwick Don Forgeron Sunny Sodhi
Tim McMillan Stephen Frank Karen Soos
Jeanette Patell Rob Galaski Ian Struthers
Gerard Protti Ali Ghiassi Robert Vokes
Blake Shaffer Blake Goldring David Wai
Marcia Smith Victor Gomez Craig Wright
Grant Sprague Carolyn Graham
Samantha Stuart Peter Hall
David Taylor Doug Harris
Brian Vaasjo Raza Hasan
Rocky Vermani Philip Howell
Geoff Wright Thorsten Koeppl
Encana Corp. Paul Kovacs

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Council Members
FISCAL AND TAX HEALTH POLICY HUMAN CAPITAL
COMPETITIVENESS COUNCIL POLICY COUNCIL
COUNCIL

Chair Co-Chairs Co-Chairs


Michael Horgan Tom Closson Kathleen Taylor
Dr. Brian Postl Neil Yeates
Members
Albert Baker Members Members
Bruce Ball Ray Pisani
Mehmood Alibhai Ridha Ben Mrad
Remi Benoit Ned Pojskic
Richard Alvarez Michele Bovet
Richard Bird John Rafferty
Lesia Babiak Melanie Burns
Ben Brunnen Michel Robidoux
Justin Bates James Clarkson
Michal Burdzy Zahid Salman
Joseph Berger Matt de Vlieger
Marlene Cepparo Erik Sande
Åke Blomqvist Ross Finnie
David Cherniak Marcel Saulnier
Charles Brown Graham Flack
Bev Dahlby Shirlee Sharkey
Vito Ciciretto Jane Friesen
Peter Davis Graham Sher
Janet Davidson Helena Gottschling
James Greene Milton Sussman
David Dodge Andrew Heisz
Joffre Hotz Cynthia Valaitis
Christopher Donnelly Claudia Hepburn
Brian Kingston David Walker
William Falk Aliza Lakhani
Gerald MacGarvie David Willows
Stephen Frank Stephen Liptrap
Kenneth McKenzie Jennifer Zelmer
Neil Fraser Eleanor McIntyre
Kevin Milligan
Michael Green Shaun McKenna
William Molson
Kelly Grover Kevin Milligan
Kim Moody
Jon Hantho Colleen Moorehead
Angelo Nikolakakis
Steven Hogue Louis Morel
Adrienne Oliver
Fred Horne Teri Murphy
Nick Pantaleo
Alok Kanti Karen Pastakia
Jocelin Paradis
Jim Keon Jennifer Reynolds
Sky Schapiro
Guy Legault Tammy Schirle
Noeline Simon
Ryan Lock Munir Sheikh
Michael Smart
Jeffrey Lozon Lara Speirs
Ted Tomkowiak
Trinh Luong Louise Taylor Green
Jeffrey C. Trossman
Thomas Marshall Claudia Thompson
Peter van Dijk
Allan O’Dette Andrew Thomson
Linda Williams
David O’Toole Leagh Turner
Thomas Wilson
Christian Ouellet Sarah Watts-Rynard
Ministère des Finances
Jeanette Patell Harvey Weingarten
du Quebec
Jennifer Wilkie

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Council Members
INTERNATIONAL NATIONAL PENSION POLICY
ECONOMIC POLICY COUNCIL COUNCIL
COUNCIL

Chair Chair Chair


Wendy Dobson David Dodge Bob Baldwin

Members Members Members


Lisa Baiton Elyse Allan Keith Ambachtsheer
Milos Barutciski Steve Ambler Leah Anderson
Dan Ciuriak Åke Blomqvist Randy Bauslaugh
John Curtis Tom Closson René Beaudry
Gitane De Silva Marshall Cohen Stephen Bonnar
Wendy Dobson Sherry Cooper Peter Bowen
Rick Ekstein Leo de Bever Kathryn Bush
Chris Forbes David Denison Scott Clausen
Victor Gomez Wendy Dobson Mary Cover
Peter Hall Rupert Duchesne Jacques Demers
John Hannaford Janet Ecker Derek Dobson
Lawrence Herman Rick Ekstein David Dodge
Caroline Hughes Jock Finlayson Elizabeth Doherty
Jim Keon Ken Hartwick Barry Gros
Vadim Kukushkin Timothy Hearn Malcolm Hamilton
Michael McAdoo Lawrence Herman Jim Keohane
Derek Nighbor Michael Horgan Michel Leduc
Jeanette Patell Tim Hudak Guy Legault
Pierre Pyun Lawson Hunter Michael Lindsay
Karen Soos Sriram Iyer Kashif Malik
Aaron Sydor Henry Jackman Jean Michel
Daniel Trefler Thorsten Koeppl Bernard Morency
Adriana Vega Nicholas Le Pan Chris Morley
Lorna Wright Jeffrey Lozon James Pesando
Kevin Milligan James Pierlot
Gary Mooney Thomas Reid
Edward Neufeld Simone Reitzes
Jeff Orr Paulo Salomao
Hari Panday Tammy Schirle
Dr. Brian Postl Allan Shapira
John Richards Idan Shlesinger
Guy Savard Noeline Simon
Gino Scapillati George Turpie
Kim Shannon Kevin Uebelein
Kathleen Taylor Aaron Walker-Duncan
Gordon Thiessen OP Trust
Craig Thorburn
Susan Wolburgh Jenah
Neil Yeates

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Council Members
COMPETITION MONETARY POLICY BUSINESS CYCLE
POLICY COUNCIL COUNCIL COUNCIL

Co-Chairs Chair Co-Chairs


Grant Bishop William B.P. Robson Steven Ambler
Adam F. Fanaki Jeremy Kronick
Elisa Kearney
Members Members
Members
Steve Ambler Edward Carmichael
George Addy Beata Caranci Philip Cross
Marcel Boyer Edward Carmichael Stephen Gordon
Timothy Brennan Michael Devereux Eric Lascelles
Neil Campbell Thorsten Koeppl Stéfane Marion
Jeffrey Church Stéfane Marion Angelo Melino
Renée Duplantis Angelo Melino
Brian Facey Jean-François Perrault
Peter Glossop Douglas Porter
Calvin Goldman Avery Shenfeld
Lawson Hunter Pierre Siklos
Susan Hutton Craig Wright
Edward Iacobucci
John Pecman
Marshall Rothstein
Margaret Sanderson
Konrad von Finckenstein
Omar Wakil
Roger Ware
Howard Wetston
Lawrence White
Ralph Winter

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I n st i t ut

C.D. HOWE
I n st i t ut e

About the Institute


The C.D. Howe Institute is an independent not-for-profit
research institute whose mission is to raise living standards
by fostering economically sound public policies. Widely
considered to be Canada’s most influential think tank, the
Institute is a trusted source of essential policy intelligence,
distinguished by research that is nonpartisan, evidence-based
and subject to definitive expert review.

C.D. Howe Institute 67 Yonge Street Suite 300


Toronto, Ontario M5E 1J8
www.cdhowe.org

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