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Flood Insurance Rates Remain Unchanged

BATON ROUGE, La. – Despite the worst flooding in recent Louisiana history, flood insurance continues to be available to homeowners, renters and businesses at the pre-flood price. Widespread flood losses in Louisiana will not cause flood insurance rates to rise above scheduled annual increases, according to the Federal Emergency Management Agency.

The August flooding does not trigger remapping of flood zones, or changes in base flood elevations. That includes the remapping efforts that have been in process for several years in six of the designated parishes. Revisions of Flood Insurance Rate Maps (FIRM) and Base Flood Elevations (BFE) in those parishes will continue, based on data compiled prior to the latest flood.

However, if your home or business was substantially damaged and you are rebuilding, you may need to mitigate your structures (elevate, etc.) to come into compliance with your community floodplain ordinance. It is crucial that you contact your local floodplain administrator to ensure you are in compliance and obtaining the proper building permits.

Properties located in a floodplain that have federally backed mortgages are required by law to be properly insured against known hazards, such as flooding.

Properties that were not required to have flood insurance by the mortgage lender prior to the floods may not be required to carry it when they are rebuilt. It is important to understand that even if the lender is not requiring flood insurance, it is still available to purchase.

The NFIP offers two types of coverage — building and contents. Keep in mind that your mortgage lender may only require you to purchase flood insurance for the structure. Building coverage will include the structure and attached items such as the electrical system and permanent flooring. Contents coverage will cover items such as personal belongings and furniture for an additional premium.

To find your approximate flood insurance costs and the hazard level of your area, visit www.FloodSmart.gov and enter the property address. An interactive display demonstrates the cost of flood damage by inches or feet of water that enters the house.

For an actual quote on a specific property, you should contact your insurance agent. Policies can be written by authorized insurance agencies; they are underwritten by the National Flood Insurance Program administered by FEMA.

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Flood Insurance Rates Remain Unchanged

FEMA Closely Monitoring Hurricane Hermine

ATLANTA, Ga. — FEMA, through its regional office in Atlanta, Georgia, continues to monitor Hurricane Hermine, expected to make landfall in Florida and sweep through parts of Georgia, South Carolina and North Carolina over the next 48 hours.

FEMA deployed a liaison officer to the emergency operations center in Florida to help coordinate any requests for federal assistance and support the state of Florida as needed in preparation for any impacts of Hermine. Additional FEMA liaison officers will arrive at emergency operations centers in Georgia, North Carolina and South Carolina tomorrow. A FEMA Incident Management Assistance Team is in Florida to support response activities and ensure there are no unmet needs.

FEMA encourages residents and visitors in areas potentially affected by the hurricane and tropical storms to monitor local radio or TV stations for updated emergency information, and follow the instructions of state, local, and tribal officials.

Storm tracks can change quickly and unexpectedly, so coastal residents should monitor weather conditions and take steps to prepare their home, family, and business. Those in potentially affected areas should be familiar with evacuation routes, have a communications plan, keep a battery-powered radio handy and have a plan for their pets.

There is the potential for flooding with this hurricane. Driving through a flooded area can be extremely hazardous. Nearly half of all flash flood deaths happen in vehicles. Stay safe when in your car, by watching for flooding in low lying areas, at bridges and highway dips. As little as six inches of water may cause you to lose control of your vehicle.

Visit www.ready.gov or www.listo.gov to learn more about preparing for hurricanes and severe weather.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain and improve our capability to prepare for, protect against, respond to, recover from and mitigate all hazards.

Download the FEMA mobile app for disaster resources, weather alerts, and safety tips.

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FEMA Closely Monitoring Hurricane Hermine

Flooding in the State of West Virginia

PHILADELPHIA – The Federal Emergency Management Agency (FEMA) is continuing to support response and recovery efforts in West Virginia following the severe storms, flooding, landslides, and mudslides that have been affecting the state and its people. The National Weather Service has indicated that the floodwaters are receding in parts of West Virginia, but more heavy rain is expected in areas already hit hard by flooding. A flash flood watch for 22 counties has been issued until Monday evening. Heavy rains could cause some streams to breach their banks.

To learn more about what to do before, during and after severe weather, visit www.Ready.gov.

On June 25, 2016, President Obama issued a major disaster declaration for the State of West Virginia. This declaration releases federal funding to help individuals and communities recover from the severe storms, flooding, landslides, and mudslides that occurred June 22, 2016, and continuing. The request makes assistance to individuals and households in Greenbrier, Kanawha, and Nicholas counties. The request also provides emergency protective measures (Category B), including direct federal assistance, under the Public Assistance program for Greenbrier, Kanawha, and Nicholas counties. All of West Virginia is eligible for hazard mitigation grant program (HMGP) funding.

FEMA’s main priority is to support survivors and communities in West Virginia, and as of Monday morning, over 1,000 total registrations for FEMA Individual Assistance program have been counted as a result of the Preliminary Damage Assessments (PDAs) conducted in the area that began today. PDAs are an information gathering process that measures damages and the impact to communities. 14 PDA teams have arrived to conduct PDAs for both Public Assistance and Individual Assistance.

FEMA is working to provide commodities and support to the State of West Virginia’s distribution efforts. The agency has moved water and food supplies into West Virginia and is turning them over to West Virginia Emergency Management Agency for distribution to impacted communities. In support of the State of West Virginia, FEMA has deployed over 250 staff to the state to assist in response and recovery. An Incident Management Assistance Team (IMAT) has arrived to coordinate directly with the State of West Virginia and support requests for assistance.

The first Disaster Recovery Center is planned to be open soon, where survivors can go to get assistance and information. Details and confirmation will be forthcoming as soon as they are available. To support that effort, the federal agency is working to deploy Disaster Survivor Assistance Teams to impacted areas to canvas shelters and register survivors.

The State of West Virginia, the American Red Cross, FEMA and others are working together to meet any potential housing needs. Region III’s Voluntary Agency Liaison and Disability Integration Specialist has been deployed to work with and support voluntary agencies, communities, and individuals with access and functional needs.

FEMA is encouraging all individuals, households, and businesses both inside and outside of Greenbrier, Kanawha, and Nicholas Counties to document any damages they have. Individuals and business owners who sustained losses in the designated area can begin applying for assistance tomorrow by registering online at www.DisasterAssistance.gov or by calling 1-800-621-FEMA (3362).

Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.
The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice.

AFTER A DISASTER – QUICK TIPS TO HELP YOU ON THE ROAD TO RECOVERY

Injuries may occur when people walk amid disaster debris and enter damaged buildings. Wear sturdy shoes or boots, long sleeves and gloves when handling or walking on or near debris.
Be aware of possible structural, electrical or gas-leak hazards in or around your home.
- Contact your local city or county building inspectors for information on structural safety codes and standards and before going back to a property with downed power lines, or the possibility of a gas leak.
- Do not touch downed power lines or objects in contact with downed lines.
- Report downed power lines and electrical hazards to the police and the utility company. They may also offer suggestions on finding a qualified contractor to do work for you.

It’s important for all residents and visitors in flood-prone and low-lying areas to continue to monitor local radio or television stations for updated emergency information and follow the instructions of state and local officials.
Don’t put yourself at risk; follow the instructions of local officials – and if told to evacuate, do so immediately.

If you encounter flood waters, remember – TURN AROUND, DON’T DROWN.
- Driving through a flooded area can be extremely hazardous. Almost half of all flash flood deaths happen in vehicles.
- Do not walk through flood waters. A few inches of water can sweep you off your feet.
- When in your car, look out for flooding in low lying areas, at bridges, and at highway dips.
- As little as six inches of water may cause you to lose control of your vehicle.

If roads are closed or there is water over a road, do not drive through the water.
- Be prepared to take detours and adjust your route due to road closures if there is standing water.

Ensure you have a flashlight, NOAA Weather Radio, and extra batteries on hand. Use your battery-operated NOAA Weather Radio for updates from local officials.

If your power is out, safely use a generator or candles.
- Never use a generator inside a home, basement, shed or garage even if doors and windows are open.
- Keep generators outside and far away from windows, doors and vents. Read both the label on your generator and the owner’s manual and follow the instructions.
- If using candles, please use caution. If possible, use flashlights instead. If you must use candles, do not burn them on or near anything that can catch fire.
Outside your home or business: Be aware of areas where floodwaters have receded. Roads may have weakened and could collapse under the weight of a car.
Stay out of any building that is surrounded by floodwaters.
Use extreme caution when entering buildings; there may be hidden damage, particularly in foundations.
Avoid floodwaters; water might be contaminated by oil, gasoline, or raw sewage. Water also might be electrically charged from underground or downed power lines.
Avoid moving water and do not attempt to drive through standing water, even if it seems shallow.
Avoid non-essential debris removal until the storm has passed.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. FEMA Region III’s jurisdiction includes Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia and West Virginia. Stay informed of FEMA’s activities online: videos and podcasts are available at fema.gov/medialibrary and youtube.com/fema. Follow us on Twitter at twitter.com/femaregion3.

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Flooding in the State of West Virginia

When there’s Lightning, Bolt to Safety Indoors

CHICAGO – It’s too easy to think we’re invincible when it comes to lightning storms—going outside, staying in the pool, or continuing a softball game as thunder sounds in the distance are not safe activities when lightning and thunder are in the area. Instead, move indoors when thunder roars—such a simple step could save more than 400 people from getting struck by lightning every year.

In recognition of Lightning Safety Awareness Week, June 19 – 25, 2016, FEMA is encouraging everyone to get storm safety smart:

There is no safe place outdoors when thunderstorms are in the area. Get indoors and avoid contact with corded phones, electrical equipment, plumbing, and windows and doors.
Water is an excellent conductor of electricity – so get out of and away from water!
Electricity always seeks the shortest path to its destination. Avoid tall, isolated trees or other tall objects in a lightning storm.
When camping, set up in a valley, ravine or other low area. Tents and open-sided shelters don’t provide protection from the dangers of lightning. If there isn’t a substantial building nearby, take shelter in your vehicle.
Wait 30 minutes after the last lightning or thunder before going back outside.
Anyone struck by lightning will need immediate medical attention. Call 911 and remember: lightning victims do not carry an electrical charge and are safe to touch.

During Lightning Safety Awareness Week, FEMA Region 5 will be hosting a social media engagement campaign in collaboration with the National Weather Service in Chicago—get involved by following FEMA online at twitter.com/femaregion5 and www.facebook.com/fema. You can also find more valuable lightning safety tips by visiting www.ready.gov/thunderstorms-lightning and www.lightningsafety.noaa.gov. Consider also downloading the free FEMA app, available for your Android, Apple or Blackberry device, so you have the information at your fingertips to prepare for severe weather.

Follow FEMA online at twitter.com/femaregion5, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at twitter.com/craigatfema. The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Media Contact: Cassie Ringsdorf, 312-408-4455

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When there’s Lightning, Bolt to Safety Indoors

Calaveras County Receives $2.8 Million Water Treatment Grant

SACRAMENTO, Calif. – Calaveras County will receive a grant of approximately $2.8 million from the Federal Emergency Management Agency and the California Governor’s Office of Emergency Services (Cal OES) for a water pretreatment facility located at the Jenny Lind Water Treatment Plant, near the town of Jenny Lind.

As a result of the Butte Wildfire, which began Sept. 9, 2015, a pretreatment facility is now needed to remove contaminants and sediments in the potable water supply. The pretreatment facility will filter out debris, turbidity and heavy metals discharged into the watershed that feeds the New Hogan Reservoir.

FEMA pays 75 percent of the eligible costs with a 25 percent match by the Calaveras County Water District. The total cost is projected to be $3.75 million.

The Jenny Lind Water Treatment Plant, which supplies water to 10,000 customers, receives water from the Calaveras River, just downstream of the New Hogan Reservoir. The reservoir will discharge these contaminants during heavy rains for up to 20 years.

This grant comes from the FEMA Hazard Mitigation Grant program. These grants are available to state, tribal, local governments and some non-profit organizations. Sub-recipients propose projects to the Cal OES, which administers the overall program and selects projects that meet the goal of reducing or eliminating losses from future disasters.

The fund is based on the amount of money FEMA spends on Individual Assistance and Public Assistance in a specific event. The total amount available is roughly equal to 20 percent of the funds disbursed by the two programs, based on California’s Enhanced Mitigation Plan, which exceeds federal minimum requirements.

For more information on California’s wildfire recovery, visit: caloes.ca.gov and fema.gov/disaster/4240 and follow us on Twitter @femaregion9 or @Cal_OES and at facebook.com/fema or facebook.com/CaliforniaOES.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.

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Calaveras County Receives $2.8 Million Water Treatment Grant

Five Disaster Prep Hacks You Need to Know

CHICAGO –Disasters can happen with little or no warning, but that doesn’t mean you can’t be ready for them. Use these five life hacks to help you better prepare for whatever the unexpected may be:

1. Take small steps toward building your emergency supply kit. Pick up a couple of extra bottles of water and cans of non-perishable food the next time you’re at the grocery store. When you buy replacement batteries for the remote control, set aside a few extras along with a flashlight. Small purchases such as these will eventually help you create a robust emergency supply kit that could be vital to survive on your own after an emergency. If you’re wondering what supplies you might need to stock up on, reference Ready.gov’s Recommended Supply List.

3. Get and stay connected with the ones you love. If your family members aren’t together in an emergency and telephone circuits are jammed, does everyone know what to do? If the answer is no, go to Ready.gov’s Family Communications Plan to help you get started collecting and sharing the important information your family may need in the event of an emergency. Make sure everyone knows where to go and who to contact so you never have to worry about your family’s safety after a disaster.

3. Make your smartphone a lifesaving tool. FEMA’s App can be downloaded to keep you aware of impending severe weather for up to five locations across the U.S., along with customized information to stay safe and other readiness resources to help you prepare for potential disasters.

4. Get smart… Everyone lives in a flood zone – but do you know whether your home is located in a high- or low- to moderate-flood risk area? If not, FEMA’s FloodSmart page has a One-Step Flood Risk Profile tool where you can enter your address and find out. Learn about all of the disaster risks unique to your community—and any location you may visit or spend time—so you’re not caught unaware if something were to occur. Visit America’s PrepareAthon! page and get educated about the specific hazards in any area you choose.

5. Then act the part! Once you know the type of disasters most common to your community, take steps to reduce your risk. Talk to your insurance agent and verify you’re fully covered – did you know homeowner’s insurance doesn’t cover flood damage? What about the fact that sewer backup damage is typically covered by a rider added to your homeowner’s coverage? You can also mitigate disaster risks by taking other simple steps like storing important papers in a safe place, elevating mechanicals off the floor of your basement to avoid potential flood damage and caulking exterior openings where electrical wires and cables enter your home to keep water from getting inside. Learn more about risk reduction techniques by visiting FEMA’s Protecting Homes webpage.

For even more readiness information follow FEMA Region V at twitter.com/femaregion5 and www.facebook.com/fema. Individuals can always find valuable preparedness information at www.Ready.gov.

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Media Contact: Cassie Ringsdorf, (312) 408-4455

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Five Disaster Prep Hacks You Need to Know

Support Documentation

1909
PA ID# 037-52004-00; Nashville Davidson County
PW ID# 5567 & 5575; Support Documentation
07/31/2015

Conclusion: On second appeal, Nashville-Davidson County (Applicant) provided adequate documentation to support reimbursement of costs associated with resident engineering services.

Summary Paragraph: Between April 30, 2010 and May 18, 2010, severe rainstorms, tornados, and straight-line winds, impacted Nashville-Davidson County (Applicant). The rain-storms caused the Cumberland River to overflow and submerge portions of the fats, oils, and greases (FOG) building and the regenerative thermal oxidizer (RTO), both located at Applicant’s Metropolitan Water Services Biosolids Facility. To document needed repairs, FEMA prepared PW 5567 for the FOG building and PW 5575 for the RTO system. FEMA combined these two appeals because they share the same substantive issue—whether Nashville-Davidson County (Applicant) provided adequate documentation of resident engineering costs. In letters dated June 3, 2011, the Applicant filed two first appeals. Regarding PW 5567, the Applicant requested $38,736.14 for direct administrative costs (DAC), additional contract labor costs, construction management costs, and resident engineering services. Regarding PW 5575, the Applicant requested $113,820.22 for RTO repair costs, construction management costs and resident engineering costs. In letters dated May 11, 2012, the FEMA Region IV Regional Administrator (RA) partially approved the appeals, approving reimbursement for facility repairs, contract management costs, and contract labor costs but denying reimbursement of DAC and resident engineering costs. The RA based the denial of resident engineering costs on a lack of adequate documentation. On July 24, 2012, the Applicant submitted two second appeals based solely on resident engineering costs—$16,172.00 regarding PW 5567 and $15,369.00 regarding PW 5575. Upon FEMA’s request for additional information, the Applicant provided additional documents describing resident engineer’s services.

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Support Documentation

Preventing Post-Flooding Mold at Home: Clean It, Dry It or Discard It

AUSTIN, Texas – Recovery specialists have some sound advice for Texans whose homes and property took on floodwaters: Protect your family’s health and your own by treating or discarding mold- and mildew-infected items.

Health experts urge those who find mold to act fast. Cleaning mold quickly and properly is essential for a healthy home, especially for people who suffer from allergies and asthma, said the Federal Emergency Management Agency (FEMA).

Mold and mildew can start growing within 24 hours after a flood, and can lurk throughout a home, from the attic to the basement and crawl spaces. The best defense is to clean, dry or, as a last resort, discard moldy items.

Although it can be hard to get rid of a favorite chair, a child’s doll or any other precious treasure to safeguard the well-being of your loved ones, a top-to-bottom home cleanup is your best defense, according to the experts.

Many materials are prone to developing mold if they remain damp or wet for too long. Start a post-flood cleanup by sorting all items exposed to floodwaters:

Wood and upholstered furniture, and other porous materials can trap mold and may need to be discarded.
Carpeting presents a problem because drying it does not remove mold spores. Carpets with mold and mildew should be removed.
However, glass, plastic and metal objects and other items made of hardened or nonporous materials can often be cleaned, disinfected and reused.

All flood-dampened surfaces should be cleaned, disinfected and dried as soon as possible. Follow these tips to ensure a safe and effective cleanup:

Open windows for ventilation and wear rubber gloves and eye protection when cleaning. Consider using a mask rated N-95 or higher if heavy concentrations of mold are present.
Use a non-ammonia soap or detergent to clean all areas and washable items that came in contact with floodwaters.
Mix 1-1/2 cups of household bleach in one gallon of water and thoroughly rinse and disinfect the area. Never mix bleach with ammonia as the fumes are toxic.
Cleaned areas can take several days to dry thoroughly. The use of heat, fans and dehumidifiers can speed up the drying process.
Check out all odors. It’s possible for mold to hide in the walls or behind wall coverings. Find all mold sources and clean them properly.
Remove and discard all materials that can’t be cleaned, such as wallboard, fiberglass and cellulose areas. Then clean the wall studs where wallboard has been removed, and allow the area to dry thoroughly before replacing the wallboard.

For other tips about post-flooding cleanup, visit www.fema.gov, www.epa.gov, or www.cdc.gov.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Follow us on Twitter at https://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

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Preventing Post-Flooding Mold at Home: Clean It, Dry It or Discard It

Prepare Now: Severe Weather System Threatens the Midwest This Week

CHICAGO – With a potentially volatile midweek forecast that includes severe storms, heavy rains, strong winds and the potential for tornadoes, the U.S. Department of Homeland Security’s Federal Emergency Management Agency encourages everyone to get prepared.

“Because severe weather can strike with little or no warning, everyone needs to be prepared now,” FEMA Region V Administrator Andrew Velasquez III said. “Learn your community’s emergency alert system and take all warnings seriously. You may only have seconds or minutes to take shelter in an emergency, so always be aware of where you and your family need to go to stay safe.”

Individuals should follow the instructions of state and local officials and listen to local radio or TV stations for updated information related to the storm system. If a warning is issued, get indoors, and move to the center of an interior room (closet, interior hallway) on the lowest level, such as a basement, away from corners, windows, doors, and outside walls.
Heavy rains can also trigger localized flash flooding. Do not walk or drive through flood water. Just six inches of water can knock people off their feet or stall a vehicle.

Find valuable tips to help you prepare for severe weather at http://www.ready.gov/severe-weather and or download the free FEMA app, available for your Android, Apple or Blackberry device. Visit the site or download the app today so you have the information you need to prepare for severe weather.

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Media Contact: Cassie Ringsdorf, (312) 408-4455

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Prepare Now: Severe Weather System Threatens the Midwest This Week

Louisiana Receives More Than $2.4 Million for Repairs in Jefferson Parish and Plaquemines Parish Following Hurricane Isaac

DENTON, Texas – More than $2.4 million was recently awarded to Louisiana for repairs to multiple buildings in Jefferson Parish and Plaquemines Parish, including a school, as part of the recovery efforts after Hurricane Isaac.

Of the total Federal Emergency Management Agency’s Public Assistance funding, more than $1.2 million covered repairs for different Jefferson Parish Department of Water facilities, as well as mitigation measures to protect against future damage. This includes Water Plants, Distribution Centers, a Payment Center, sewer lines, water lines and lift stations on the West Bank, the East Bank and in Grand Isle.

In Plaquemines Parish, the more than $1.2 million in Public Assistance funding covers repairs, the replacement of some storm-damaged components and mitigation measures to protect against future disasters in the following communities:

Belle Chasse – Belle Chasse Fire Station III; Belle Chasse Government Building; Belle Chasse Library; Belle Chasse Lockup; Belle Chasse Public Right-of-Way Maintenance Shop; Belle Chasse Water Collection Office; Community Action Agency building; Council on Aging building; the Emergency Management Services Building; and the Recreation North Facility;
Boothville – Boothville-Venice Elementary School Campus main building, gymnasium and cafeteria; and the Boothville-Venice Fire Station;
Buras – Buras Auditorium; Buras Community Center; and the Buras Fire Station;
Davant – the Percy Griffin Community Center;
Empire – O’Brien Fire Station;
Phoenix – the Phoenix Fire Station;
Point A La Hache – Epalh Fire/Emergency Management Services Station; and
Port Sulphur – District 8 Council building; Port Sulphur Community Center; Port Sulphur Fire Station; and the Port Sulphur Public Right-of-Way Maintenance Building.

To date, FEMA has awarded more than $312 million in Public Assistance funding to Louisiana in relation to Hurricane Isaac. The Public Assistance funding represents a 75 percent federal cost share. FEMA awards funding for projects directly to the state of Louisiana; the state then disburses the grant to the eligible applicant.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Follow us on Twitter at http://twitter.com/femaregion6, and the FEMA Blog at http://blog.fema.gov.

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Louisiana Receives More Than $2.4 Million for Repairs in Jefferson Parish and Plaquemines Parish Following Hurricane Isaac

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