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HomeMy WebLinkAboutBUDGET & FINANCE AGENDA 12-15-08 Central Contra Costa Sanitary District 5019 Imhoff Place, Martinez, CA 94553-4392 (925) 228-9500 . www.centlalsan.OIg BUDGET AND FINANCE COMMITTEE Chair McGill Member Nejedly Monday, December 15, 2008 3:00 p.m. Executive Conference Room 5019 Imhoff Place Martinez, California INFORMATION FOR THE PUBLIC ADDRESSING THE COMMITTEE ON AN ITEM ON THE AGENDA Anyone wishing to address the Committee on an. item listed on the agenda will be heard when the Committee Chair calls for comments from the audience. The Chair may specify the number of minutes each person will be permitted to speak based on the number of persons wishing to speak and the time available. After the public has commented, the item is closed to further public comment and brought to the Committee for discussion. There is no further comment permitted from the audience unless invited by the Committee. ADDRESSING THE COMMITTEE ON AN ITEM NOT ON THE AGENDA In accordance with state law, the Committee is prohibited from discussing items not calendared on the agenda. You may address the Committee on any items not listed on the agenda, and which are within their jurisdiction, under PUBLIC COMMENTS. Matters brought up which are not on the agenda may be referred to staff for action or calendared on a future agenda. AGENDA REPORTS Supporting materials on Committee agenda items are available for public review at the Reception, 5019 Imhoff Place, Martinez. Reports or information relating to agenda items distributed within 72 hours of the meeting to a majority of the Committee are also available for public inspection at the Reception. During the meeting, information and supporting materials are available in the Conference Room. AMERICANS WITH DISABILITIES ACT In accordance with the Americans With Disabilities Act and California Law, it is the policy of the Central Contra Costa Sanitary District to offer its public meetings in a manner that is readily accessible to everyone, including those with disabilities. If you are disabled and require special accommodations to participate, please contact the Secretary of the District at least 48 hours in advance of the meeting at (925) 229-7303. A '" Recycled Paper Budget and Finance Committee December 15, 2008 Page 2 1. CALL MEETING TO ORDER 2. PUBLIC COMMENTS 3. OLD BUSINESS *a. Two Outstanding Questions from Previous Meeting 4. CLAIMS MANAGEMENT *a. Review Outstanding Claims 5. REPORTS/ANNOUNCEMENTS *a. Sewer Service Charge and Property Tax Revenue *b. Update on AIG c. GASB 45 Trust *d. Article on CalPERS *e. Governor Schwarzenegger declares fiscal emergency for California 6. REVIEW EXPENDITURES (Item 3.a. in Board Binder) 7. ADJOURNMENT * Attachment 3. Q. Central Contra Costa Sanitary District December 12,2008 FROM: BOARD BUDGET AND FINANCE COMMITTEE RANDALL MUSGRAVES 11'''' DEBBIE RATCLIFF ~t'_ DECEMBER 1,2008 FINANCE COMMITTEE MEETING TO: SUBJECT: The following questions were outstanding from the prior Board Budget and Finance Committee meeting. The questions and responses are provided below: 1. Page 7, 173320 Cole Supply Company - Is the District using "green" products and are the prices better if we do? Currently, the only green product we are purchasing from Cole Supply Company is toilet paper. The sales representative provided additional information on other green products and indicated that the prices were comparable to what the District currently pays. Glass cleaner will be ordered and evaluated to make sure it works well. The District previously tried green paper towels and there were issues with the quality so we switched back. Stephanie King, Purchasing Manager, is currently drafting an Environmentally Preferable Purchasing Policy which includes a section on cleaning products. 2. Page 8, 173327 D & L Supply - Does the District monitor the price of iron and buy additional manholes to store in inventory when the price is down? Currently, the District does not monitor the price of iron. The warehouse purchases manholes for CSO in large quantities when needed and a large supply is stored in inventory. The cost of manhole covers and rings includes several variables, all which can potentially affect the cost of the final product. These variables include the price of iron, cost of fuel to transport, labor, energy cost and machining costs. Staff will review the past three years of purchases to see if the price of manholes and rings has fluctuated significantly, and will bring back additional information at a future Committee meeting. co Q Q N I Q - I U CI) C "C S c '':; Q. ~ CU E E :::J en CD ... :::J ~ "'C C CD a. >< W l\, ct.. c c z z :::::) en :::::) LL. E LL. W ..... Oco W U) Q) <...) ..c U Z E ~ Z W ::J en ~ 0.. z :c E en >< C> .~ Oco o~ W 0 .....J () :::::) .....J CO U) C) E ro ~<...) ..... Z Z Oco Q) Q) 0 c:: - - <...) Q) 0.- Z o ::J LL. Z (9 .....<( ...J ~ I 0... W :::::) .....J I <...) U) 0::: <...) (9 0... <( ,---------- -._--_.-.__.~..,"_._-------~..__.--,_. , Q) <:) I CD <:) <:) N CJ) ::E C( ...I o .... z w ::E w CJ) ~e18J-, m wl~' 0... ::E I W a: " z in ::E :::;) ...I D.. C Z oCt CJ) ;: o ...I LL a: W > o il 18 11. "', al ,::;: , c c 0 o +:0 .!!l ~ ~ ~ m ~ CI.l 'ta c .g "1:1 Oiij D.. 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II ~ 1: C'Il E oiij U 51 Ul Ul CI.l - "1:1 "1:1 c( gl '*1:1 en f/l III a (ij U5 <( -.t LtJ oi ~ C\J {h o C'l C\J '* J:: Q) > o en t) t) t) I "E III f/l III Q) c: 1:: ::] o t) o J:: U L.LJ -.t CO ~ ~ ~ N(") ... LO ai ~ N .,. o o ci .,. ~ CD 0. o D: "ii '0 I- CJ) ::E oCt ...I o o .... ::::) oCt il ~I ~ '-' lii "E ~ ..s .E c: Q)-gi5~ :2~&i~ ~ ~.~-:; ~ -<') ~ ~ ~~c5~ LOa LO <D LO LO a:i a:i ~ LO LO ... ~C":!.. ,....._ ~ ~ II il 0000 U) U) U) U) <.:><.:><.:><.:> <.:><.:><.:><.:> <.:><.:><.:><.:> c.i Ul CI.l C .c CI.l > NNrn~ NC'\INN :tI:*=M=*' ~..s::::::..c:..c: Q) Q) Q) Q) >>>> US (/) CiS (;) 0000 c: oS! 'ta u o ....I <.:> 3: ~~ c:- ~ ~ "cu <,:><':>0)::; ssiz ..5 c: >-.,... "'lii~8 3:3:-'N gl ex> co 00 00 ~~~~ ~~~;:; o 00.,... '*I: IX) o o C\J o ~ o ..., CD C') M .,. 8 ci LO ~ 8 ci II) N .,. '" E "ii <3 .s ::> <: "ii '0 I- N (") 5. a.. Central Contra Costa Sanitary District DECEMBER 12, 2008 TO: FROM: BUDGET AND FINANCE COMMITTEE RANDALL MUSGRAVES ~(ftrt.. DEBBIE RATCLIFF IlL VIA: SUBJECT: SEWER SERVICE CHARGE AND PROPERTY TAX REVENUE Staff continues to monitor the collection of Sewer Service Charge and property tax revenue with both the County Assessor's Office and the County Treasurer's Office. Staff has been told that the District will receive the actual amount of Sewer Service Charges and property taxes that are collected in December and again in April. In the June time frame, the County reconciles receipts and distributes the remainder due. The County indicated that they will not TRANS finance this year as it is too costly, and that any extra amount that needs to be paid out will come from their Tax Reserve Fund. H:\Sewer Service Charge and Prop tax Rev.doc 5.b. UPDATE ON AIG Or~enberg Urges Yet Another A.LO. Lifeline - Mergers, Acquisitions, Venture Capital, H... Page 1 of 4 HOME PAGE : !1Jt ~tW york htJ Wl'dnesday, December 3,2008 Business Bulen Get Home Delivery Log In Regisler Now <~'BuSinesl~:) All NYT WORLD U,S. N.Y./REGlON BUSINESS TECHNOLOGY SCIENCE HEALTH SPORTS OPINION ARTS STYLE TRAVEL JOBS REAL ESTATE AUTOS Search Busln.ss News. Stocl<s, Funds, Companies Financial Tools Co Seled a Financial Tool More In Buslne.. >> World Mlrkete Economy o.llBook Media & Small Your BUllnel. Advertising Bu.'ne.. Money DeaIBook Edited by Andrew Ross Sorkin DEALBOOK MI!Jl.GERS It INVl!STMENT I.P.O. / PRIVATE HOME ACQUlsmONS BANKING OFFERINGS EQUITY SEARCH DEALBOOK Co JOBS HEnGE VENTURE \.EllA" FUNDS CAPITAL Greenberg Urges Yet Another A.I.G. Lifeline DECEMBER 2. 2006. 7:06 AM Link to This E-mail this TOPICS INDUSTRIES Legal Financial Services Maurice R. Greenberg can't let his old firm go. The former chief executive of the American International Group again took to the op-ed pages of The Wall Street Journal, writing on Tuesday that the insurance giant needs yet another revision to its bailout by the federal government. It's not that the A.I.G. lifeline 2.0 is worse than the original $85 billion loan from the government, a solution that many had come to see as too punitive. But in light of the new triage plan for Citigroup, Mr. Greenberg argues that A.l.G. needed a similarly structured deal. The attitude of the piece is different from whaLMJ:....Gre!)nberg.c$.p.Q\.!s~ shortly after the second A.I.G. rescue plan was unveiled last month. To wit, A.l.G.'s CUITent rescue boat includes a five-year $60 billion loan, with a lower interest rate. While better than the first bailout, which was quickly sapped as A.l.G.'s (~ounterparties demanded more collateral, Mr. Greenberg writes that it only raised the government's stake in the firm to nearly 80 percent. (Unsaid in the piece is that the government has also agreed to set up and help finance two new off-balance-sheet entities to house collateralized debt obligations, which are essentially private insurance contracts, and mortgage-backed securities.) "A new plan needs to be drawn up to allow private capital to replace the government's capital," he argues. "And the company itself cannot be so burdened with interest payments that it is forced into effective liquidation, making jobs impossible to keep and decreasing the likelihood taxpayers will be repaid." (Indeed, Mr. Greenberg at several points referenccs the disaster that would unfold should A.I.G. he allowcd to fail, including hits to institutional investors like pension funds and scores of jobs lost. He also writes of the company's "credit default swap counterparties" with distinct distaste.) What the former chief executive likes of the Citi plan is that it offers a federal guaranty of toxic assets, in that bank's case mortgage-backed securities. By extending a similar structure to A.I.G., Mr. Greenberg argues. the capital drawn down from the federal government to ml'et CDS countl'rp.uiies could be repaid and deployed elsewhere. "The 1'01(' of government should not be to force a company out of business, but rather to help it stay in business so that it can continue to be a taxpayer and an employer," :\11'. Ads by Google whars Ihis? In!IlIJ.tnUlmtI Ea~y Liquidity for Venture Capitallnvastments www.lndustryventurel.com 100 Millionaires bv 2012. Realistie $250K 1st Year Potential. Serious Entrepreneurs Only Please. www.JayKubaasek.com Inv.stmsnt BanklnQ Class Valuation & financial modeling training, 17 senior bankers. 100 yr www.tralnlngthestreet.com LA TEST DEALBOOK HEADLINES MERGERS & ACQUISITIONS. Why Twitter Turned Down Facebook EDF Goes Nuclear on Warren Buffett's Deal Edward S. Rogers Jr., Canadian Media Mogul, Dies at 75 INVESTMENT BANKING. Analysts' F.,timates Fall; (',oldman and Murgan Rise Banks' Upheaval I.eaves Manhattan Awash in Open Office SpaL.., Merrill Plans to Halve Bonuses, Repurt Says I.P.O.lOFFERINGS. Vietnam to Sell Stake in Lender in \.1'.0. Shares Slip in Europe; Asian Markets Are MLxed Daimler Sells $1.3 Billion in Bonds PRIVATE EQUITY. Han'ard's Endowment ,.,ses $8 Billion in 4 Months Yahoo Buyout May Be Uolikely Terra Firma Shows F.x.l"{'Uti \'e~ the Door, Report Says DEALBOOK NEWS BY INDUSTRY HEDGE FUNDS. Odes to a Bursting Bubble Highbridge Said to to Limit Redemptions Write- Downs 1I urt Sears in 3rd Quarter VENTURE CAPITAL. Hawaii Endorses Eleliric Car Plan Chemree Takes $20 Million UTest Scures $5 MilIiun LEGAl. Need a Bailout? He<<"s the Form Debt Wars: kahn Strikes Back The Case of the I'hoto, the Lawyers and the Auto makers http://dealbook.blogs.nytimes.com/2008/ 12/021 green berg -urges-yet -another-aig -lifeline/?s... 12/3/2008 _ Greenberg Urges Yet Another A.I.G. Lifeline - Mergers, Acquisitions, Venture Capital, H... Page 3 of 4 7. December 2nd, 2008 2:14 pm aspects of the business seems the most common sense solution.. This can be accomplished by: 1. division of companies with individual leadership. 2. creating a transparent business plan.....that makes plain common sense, indicates that it can strengthen companies and work in the best interests of all. (Anything that requires our investment with a song and prayer rather than plain common sense needs to be renamed as gambling) Our government must themselves have staff that are not tainted by greed, that can evaluate the structure of the business as well as the ongoing business. Clearly, our oversighters have either turned the other eye or been unequal to the job. Staff from top - down must have a strong sense of "what is good for Humanity and the environment - .can with intelligence, involvement and care become an economically sound business investment and process. OUr government's job in all of this is to protect the businesses, workers and taxpayers from unfair, underhanded competition and help sustain a healthier life on earth. . Summary: Companies that have become huge fosselized dianosaurs and can no longer perform in a sound financial or humane way can be devided into manageable size. r would think that those that believe that private companies can do a better job than government, would applaud such a venture - because clearly most businesses have failed....to be able to support a healthy planet, a fairly distributed economically sound wage payer base for all. Our government that has allowed deregulation and a manipulated market has failed - big time. Government's job was to keep these divisions honest, using profits to benifit the present and the future of the businesses and the country - and they failed. Where are the plans to get it right and make it transparent this time? Business based on a win-win bottom line can become a supporting element of a healthier society. - Posted by Isa Case In my industry (export of agricultural products), what Hank is trying to do is called "back trading". This is where a company or person enters into an agreement for freight or goods, and then tries to wriggle out of that agreement (or revise the terms) when someone later offers them a better deal. Needless to say, its not a flattering term. The management of AlG accepted the terms of the first bailout. The management of AlG (gladly) accepted the revised terms ofthe 2nd bailout agreement. Now, seeing that Citigroup received terms that are seemingly more attractive than what AlG received, you want to change the terms that AlG's management agreed to. That's back trading. AlG reached an agreement - and should honor those terms. - Posted by DaveK Name Add your comments... Required E-mail Comment Required (will not be published) Submit Comment (.'Ol1I1Jlent.>) are I1H)(Jeratetl (111(llI'ill Ill' posted if they are on--topic Ilnd 7Wt llhw.;il'l'. 71II'Y may hI.' l'dil'C'dfnl' h'119lh wltl d(/rity. hl1' more infurlTlat"iu/l :..t'!, Ollr Jfemhpr http://dealbook.blogs.nytimes.com/2008/ 12/021 greenberg - urges-yet -another-aig -lifeline/?s... 12/3/2008 Print Story: AIG owes $10 billion on trades gone bad: report - Yahoo! News Page 1 of 1 YA.E:oOf. NEWS PRINT Back to story AIG owes $10 billion on trades gone bad: report 11II 2 hrs 54 mins ago WASHINGTON (AFP) - Fallen US insurance giant American International Group owes financial firms some 10 billion dollars on speculative trades that turned sour, the Wall Street Journal reported on Wednesday. The trades have not been explicitly revealed before and would not be covered by the US government's bailout package of more than 150 billion dollars for the troubled company, the Journal reported. citing unnamed sources. Details of the trades mark the first indication that AIG may have been gambling with its own capital, the Journal wrote. The government intervened to rescue AIG from collapse in September and has since dramatically expanded its rescue funds as the firm suffers from failed bets on complex financial instruments. An AIG spokesman told the Journal that the trades were not speculative bets but "credit protection instruments. " He said the trades have been fully disclosed already and amount to less than 10 billion dollars of the firm's 71.6 billion dollars exposure to derivative contracts on debt pools, or collateralized debt obligations, as of September 30. AIG was the world's largest insurer before the global credit crisis brought it down. Copyright @ 2008 Agence France Presse, All rights reserved. The information contained in the AFP News report may not be published, broadcast, rewritten or redistributed without the prior written authority of Agence France Presse, Copyright @ 2008 Yahoo! Inc. All rights reserved. Questions or Comments Privacy Policy Terms of Service Copyright/lP Policy http://news.yahoo.com/s/afp/2008121 Olts _alt_afp/financeeconomyinsuranceuscompanyai... 12/1 0/2008 :rhe Professors Pop Quiz: Who Controls A.I.G.? - Mergers, Acquisitions, Venture Capital... Page 1 of7 tl ...~C).~.~.~.~~!:...L~v.!~'-1~.~...l...!??:,::.:s..~.~~~..JY.1.?!:?J...~?s.!.~?.~~~~..J.!!~!:S.!?.~I~~J . 5IJe~t\Ulork.tS . ! Thursday, November 20, 2008 Business WORLD u.s. N.Y.jREGlON BUSINESS TECHNOLOGY SCIENCE HEALTH SPORTS Search Business Stocks, Funds, Companies More in Business >> World Markets Business Financial Tools Select a Financial Tool ..., "",.""""".",.....................",. I DeaJ80Qk Edired by "",'rew R~ So,"'" Get Home Delivery Log In Register Now f) Business () All NYT SEARCH DEALBOOK C~,~i.~~J 00 DEALBOOK HOME I.P.O.I OFFERINGS HEDGE FUNDS l.EGAL ................... ............. .................................. .. .. ........... .. .. .. . .. I I I i OPINION ARTS STYLE TRAVEL JOBS REAL ESTATE AUTOS I i I I Economy DealBook Media & Small Your I Advertising Business Money I PRIVATE EQUITY MERGERS & INVESTMENT ACQUlsmONs BANKING JOBS 0<> THE DEAL PROFESSOR BY STEVEN M, DAVIDOFf The Professor's Pop Quiz: Who Controls A.I.G.? NOVEMBER 19, 2008. 8:00 AM Link to This E-mail this Legal, Wall Street Bailout Financial Services TOPICS INDUSTRIES THE II' The terms of the government's investment in the American DEAL . . International Group were released last week. After reading PROFESSOR these terms, I have a multiple-choice question. <X> Who controls AJ.G.? Is it: 1) 'Dle Federal Reserve 2) The Department of the Treasury 3) The current shareholders of AJ.G. (but not the government) 4) All of the above collectively 5) No one knows The best answer I can discern right now is number 5. The deal has become much more i complicated than it was before, but the control rights over A.I.G. appear to be as follows: 1. In exchange for its $40 billion preferred share injection under the Emergency Economic Stabilization Act, the government is getting a 10 percent dividend on these shares (plus A.I.G.'s agreement to restrictions on lobbying), the same limitations on executive compensation as in other preferred equity injections, a further limitation on annual bonus pools for senior partners not to exceed 2007 and 2006 levels, and compliance with an expense policy. As for control rights - the $40 billion preferred is nonvoting except on certain major issues affecting the preferred. If A.I.G. misses dividend payments for four consecutive quarters, the Treasury has the right under the terms of this preferred stock to elect two directors and a number of directors (rounded upward) equal to 20 percent of the total number of directors after giving effect to such elet'tion. Steven M. Davidoff, writing as TIle Deal Professor, is a commentator for Dea/Book on the legal aspects of mel'gers, private equity and corporate governance. Afonner corporate lawyer at Shearman & Sterling, he is a pl'ofessor at the University of Connecticut School of Law. His columns are available at I.IW.Dfi.!JLProfl!ssor bJ.gg. 2. In exchange for the new $60 billion Federal Credit Facility (down from $85 billion), the Federal Reserve obtains the general rights of a creditor including senior security over I A.I.G.'s unregulated subsidiaries, hut no real governance rights except for some negative . covenants limiting A.I.G.'s operations and expenditures. VENTURE CAPrrAL LA TEST DEALBOOK HEADLINES MERGERS & ACQUISITIONS. Halliburton Wants to Keep M&A Pipeline Full Chrysler Still Hopes for C.M. Deal, Report Says ,Japan's Itochu to Buy Stake in Food Firm INVESTMENT BANKING. Goldman Shares Tumble Below Their tP.O. Price No Prince Bounce for Citigroup Saudi Plince to Raise Stake in Citigroup LP.OJOFFERINGS. Commercial Loans Are Looking Risky Over 100 U.S. Blne Chips Now Selling For Under $10 A Share Stocks Are Hurl by Latest Fear: Declining Prices PRIVATE EQUITY. Obama Factor Cited in Fortress Filing Market Turmoil Pummels Blackstone and Fortress KKR. Hires European Communications Officer HEDGE FUNDS. Fund Hurt by Volkswagen Tmde to Close John Paulson's Toast to His Firm's Fortunes Icahn Takes Stake in Another Drug Maker VENTURE CAPITAL. Hunting for a Brainy Computer Arete 'I11erapeutics Gets Final Injection The Doctor Will See You Now -Online LEGAL. Auto Chiefs Fail to Get Bailout Aid After Losses, Pensions Ask For a Change Senate to Probe Bond- Ratings Finns, RepOIt Says http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/ ... 11/20/2008 :rhe Professors Pop Quiz: Who Controls A.I.G.? - Mergers, Acquisitions, Venture Capital... Page 2 of7 3. Finally, the government is receiving 100,000 Series C preferred shares convertible into 77.9 percent of A.I.G.'s outstanding common stock. This second preferred stock has a DEALBOOK NEWS BY INDUSTRY vote equal to 77.9 percent of AI.G.'s share capital and is entitled to 77.9 percent of any dividends paid by AI.G. on its common stock. Thus, whoever controls these Series C preferred shares controls A.I.G. These Series C shares, the stock that will vote and control A.I.G., will be owned by is a trust for the benefit of the Treasury Department. The trust is called the A.I.G. Credit Facility Trust. And who are the trustees of this trust and the controllers of A.I.G.? I have no idea nor have I seen any public disclosure on the issue except for news reports in October that these trustees would be appointed by the Fed and that there would be three of them. Moreover, under Section 5.n ofthe original credit agreement, a provision that appears to be unamended in the new deal, AI.G. "shall use all reasonable effOlts to cause the composition of the board of directors of [A.I.G.] to be ... satisfactory to the Trust in its sole discretion." So, why this oddity? I must admit, I am puzzled. Perhaps it is related to accounting or some other legal requirement? But I also suspec:t it may be political - the government does not want to control AI.G. directly. Rather, it is preserving some separation of ownership and control to bar future administrations from political meddling (read the Obama administration). This is probably a worthy goal - allowing AI.G. to operate on an economic basis protected from political meddling. Of course, this worthy goal is probably trumped by the fac:t that AI.G. is a mess and now can borrow up to $170 billion from the government. The governance arrangements simply show what a mess this is. In any event, there should be adequate oversight of the trust and some mechanisms to prevent the trustees from obtaining their own private benefits from controlling Al.G. and its $1 trillion in assets. In addition, the trnstees themselves should be chosen for their acumen and ability to right the sinking AI.G. ship. Here, the government could begin by disclosing the terms of this trust once they are drafted. 33 comments so far... 1. November 18th, 2008 8:02 pm Whoever it is, you can bet he is a blithering idiot... - Posted by williambanzai7 2. November 18th, 2008 8:22 pm The people who control AIG are the current and prior management and some related parties who have entered into certain recurring transactions many of which are fundamental or at least near-fundamental to the conduct of the business and which are used to syphon off cash without it being construed as anything out of the ordinary course or as a part of any employee compensation. It's all in the deals and not in the comp that the cash has been and is being taken away, and the gaps that the taxpayer is funding are a direct and indirect result of this draining of corporate assets. So AIG is kept adequately capitalized on one side by the taxpayer and is sucked dry on the other side by these special parties, most of which are corporates and partnerships but some of which are individuals and syndicates of various types including some three, four and five party/cornered structures. Cuomo and his people are not adequate in number, force or knowledge to know how to untangle this mess, and the AIG people and their friends have set it up in a way that it probably cannot be untangled without many tens of billions being passed into wrongful hands. Got it? Far more complicated than meets the eye and far less penetrable by normal legal means. So who cares who owns the conduit when the real economic beneficiaries are the people taking away the cash on the other side: they are the most clearly beneficial claimants no matter what their legal status as "owners" or whatever. - Posted by Hank Ai~ines I Energy I Healthcare Retail I Autos Utilities Media Leisure Basic Financial Real Estate Technology J ndustries Services Telecom Consumer Food & Goods Beverage mb,Nc\U lorklimtf at MAGAZINE nytlmes.com/tmagazlne The world's most traveled man Also in T Magazine: ElonQ..p.ack.!nh. !:J.QW..tQ..hQ.~U.fa.~.hi.Qn.wQ!1.k ChllCK.Q.Y.tlt1!1.nllwJ!l!.1!QUUlI.Q.ot.LM...QllZinll Ads by Go091e what's this? Investment Banking Class Valuation & financial modeling training, 17 senior bankers, 100 yr www.tralningthestreet.com A.I.G.: Buv. Sell Hold? Don't trade anything until you see our special 8estNewsletters report. www.TheBestNewsletters.com Dlversifvina Your IRA Alternatives available within your IRA Another option to stocks. www.FirstFideIItyReserve.com http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/ ... 11/20/2008 , :rhe Professors Pop Quiz: Who Controls A.I.G.? - Mergers, Acquisitions, Venture Capital... Page 3 of7 3. November 18th, 2008 9:04 pm 4. November 18th, 2008 9:17 pm 5. November 18th, 2008 9:42 pm 6. November 18th, 2008 9:43 pm 7. November 18th, 2008 10:01 pm 8. November 18th, 2008 10:02 pm 9. November 18th, 2008 10:08 pm 10. November 18th, 2008 10:39 pm 11. November 18th, 2008 10:46 pm 12. November 18th, 2008 10:54 pm 13. November 18th, 2008 11:00 pm hmmm...being a former auditor myself, sounds like Hank my have done a little duty reading AIG's footnotes and actually knows what they mean. - Posted by woniq(uy Perhaps we now have a sense to what position Cheney will retire in January . - Posted by max I thought AIG was bailed out because it would have taken Goldman Sachs down with it. And Paulson couldn't allow that. Would Cheney give up Halliburton? - Posted by ReorRepwebster Go Figure.... Gov't Sachs pulls another one over on the taxpayers. Paulson should be tarred and feathered! - Posted by desm088 Status of delaware litigation regarding shareholder vote pis? - Posted by a RreenberR Well put, Hank, and so sad for all the taxpayers. - Posted by Jim The complexity is just part of the problem. I see a deeper mess in there - and that is finding the way to give it back. It may be impossible to know right now who owns A.LG. but when the time comes to payback what it owes and sell those shares bought with tax's payers money, then you will have a huge mess. Who will in fact make sure that A.LG is accountable for all the money given? Too many "owners" will never be responsible for making sure people don't lose on this bailout. - Posted by Roberto J. Ribadeneira Me thinks Hank knows whereof he speaks. But Paulson's been around the block a few times. Wouldn't he know what rocks to look under? - Posted by Den Wow, I wish I could get loan terms like that. It's like getting a mortgage, but already owning half the house, and I can pay the rest back whenever I get around to it. As long as I make some sort of payment in the first two years, I'm fine, otherwise, the bank might be able to put someone in a position to have a 77% vote on how I spend my money going forward. And how hard should we be laughing about "keeping bonus pools for senior partners to 2006 and 2007 levels"? As if they were going to be higher in '08 or '09 anyway. How did they get that deal? It's criminal - Posted by Jonathan As much as this will irk the current CEO who is appointed by Paulson, taxpayer can benefit by letting Hank Greenberg and other major shareholders for suggestions and assistance in getting AIG back on its feet. - Posted by Elizabeth "But I also suspect it may be political - the government does not want to control A.I.G. directly. Rather, it is preserving some separation of ownership and control to bar future administrations from political meddling (read the Obama administration). This is probably a worthy goal- allowing A.I.G. to operate on an economic basis protected from political meddling: But it doesn't, because they've been lobbying. That's the problem with a hybrid plan like this. It looks private, but the company keeps pressuring the government through lobbying to alter the terms in their favor. http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/ ... 11/20/2008 :rhe Professors Pop Quiz: Who Controls A.LG.? - Mergers, Acquisitions, Venture Capital... Page 4 of 7 14. November 18th, 2008 11:04 pm 15. November 18th, 2008 11:10 pm 16. November 19th, 2008 12:20 am 17. November 19th, 2008 1:40am 18. November 19th, 2008 8:26 am 19. November 19th, 2008 8:58 am 20. November 19th, 2008 9:16am You need to have someone who's only concern is for the taxpayer's investment. That means someone who actually influences policy. The real issue should be letting the people who got into this mess, or from the same company, keep making the decisions. Either the government should run it, or have a real power of decision. Otherwise, let them deal with their problems on their own. - Posted by Don the libertarian Democrat 6) A Mexican drug smuggling cartel with billions to launder. - Posted by Esteban Hank I think you nailed it. We need you Hank not the plumber in Washington. Oh that's right your much too smart for that - Posted by Wayne "Bonus pools will not exceed 2007-7 levels. " The bonuses were obscene during those reckless years; obviously, the good 01' boy network is alive and well, taxpayers be damned. It isn't clear to me why law enforcement isn't intercepting communications between Wall Street and the Goldman Sachs gang, et. aI. to determine possible wrong doing. - Posted by riMt now Does Mr. Davidoff truly believe that these trustees, "appointed by the Fed and that there would be three ofthem" actually would truly allow, "A.I.G. to operate on an economic basis protected from political meddling. " - Posted by Michael While I read about our government representatives reaming our Big Three Automakers on how they got into this mess, I wonder why this wasn't done with AIG and all the other BIG BUSINESS who got checks with absolutely no oversight. How do you think they got into this trouble? It appears like Paulsen has his own group he wants to focus on, and its not helping out consumers. This whole mess is going to tangent into all places in our society, hence the car industry. Who cares who owns AIG? What we need to do is get Andrew Cuomo whatever funds he needs to go after these greed feeding businesses/ins companies whatever and get transparency. Big 3 Auto Companies too. If the regular public even remotely knew what the top 10% of AIG and other Financial Firms executives made on salaries alone, there would be a revolt. I often wonder why our representatives don't take Mr. Cuomo and give him the means to create a transparency "revolution." Its absolutely disgusting to hear how blank checks are being given out to these companies while regular consumers are losing there jobs, just as I did last Friday. Mauimalia - Posted by mauimalia I think it's stupid to give a bonus to any of the AIG execs and I would give them a controlled salary. These bums ran the business into the ground and should be fired. Ernie B. - Posted by ernie briefel the answer to this question will be the TREASURY GOVERNMENT who is the beneficial owner of the trust. for sure, the trustee is the party who controls the trust but if the trustee is not acting in the best interests of the treasury government, or in other words fails its own fiduciary duty owed to the treasury government, the treasury government would exercise its enforcement right to sue the trustee for breach of trust and everything will start from there. the court will appoint a new trustee or a new trustee will be appointed under the trust instrument. to make things more complicated, i would say the type of trust will be very likely to be a SPECIAL trust, say set up under the cayman laws, and the enforcement right will have been delegated to an independent party which acts as the "supervisor" of the trustee. hope it all makes sense to you and feel free to drop me any comments. http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/... 11/20/2008 , The Professors Pop Quiz: Who Controls A.I.G.? - Mergers, Acquisitions, Venture Capital... Page 5 of7 21. November 19th, 2008 10:38 am 22. November 19th, 2008 11:28 am 23. November 19th, 2008 11:54 am 24. November 19th, 2008 1:1] pm 25. November 19th, 2008 2:02 pm 26. November 19th, 2008 from a chartered accountant in australia. - Posted by nicolas ho Whoever is appointed as a trustee won't know as much as management. This is the sad history of these things. The Government should just try to get its money out as quickly as feasible and not put too much into making management decisions for A.I.G. Lending A.I.G. funds was a difficult decision and the Government should act solely as a lender. - Posted by fxp Hank, your post is intriguing and may help explain why there is so little transparency to the AIG bailout. I suspect there are plenty of leds for reporters to sort through. Come to think of it, AIG does seem like an Enron-type operation. Doesn't Hank Greenberg have a huge fine against him for past shenanigans? I'm sure plenty of his comrades are still at the firm. While I write this, I'm watching the auto industry hearings in the House. Imagine that we execute the auto industry, who may be lousy managers but are probably not a bunch of crooks, and commit bucketloads of taxpayer money to a possibly criminal operation. This would not be a good thing. - Posted by etfmaven So let me see if I have this straight: the American government just gave an ungodly huge sum of money to a privately owned insurance company (AIG) in such a manner that no one really knows who controls the company. The money is secured by stock in the company, which was run so poorly it almost went belly up a few months ago. None ofthe senior management responsible for the screw-ups that led to the wreck of AIG in the first place were disciplined, and the few that were fired received "golden parachutes". The money for the bailout itself was either borrowed from the Chinese, or created out of thin air by the Federal Reserve. And the whole thing is being overseen by the former CEO of Goldman Sachs; a firm that is consitently found at the vortex of these financial tornadoes. What could possibly go wrong? - Posted by Paul the cab driver Normally I reject anything that sounds like a conspiracy theory - but in this case Hank's diagnosis rings true. Wasn't AIG (pre-bailout) effectively controlled by a shadowy partnership called Starr that was a private vehicle for Greenberg, AIG's 4th- or sth-most-recently-ousted CEO? And didn't AIG at that time have a series of deals with Starr affiliates whose effect was to hand much of its revenue stream to Greenberg? Since he (Greenberg) is still in the game, that's why I say the above post rings true. - Posted by anon It includes people affiliated and "friends" with both Starr and other companies located in NYC, London and a few other places. Some do not even know they are part of it. Cuomo needs to crack a few heads of people who have been on the inside and in various clearing and insurance operations most of who tend to be incredibly secretive and elusive. We are also talking about people who blend into the landscape very easily... and it does not take a huge headcount to get this done. Also, it does not take documentation outside of normal "forms" to get this kind of syphoning completed, and the cash flows and movements in the industry and in related "streams" are huge, varied and multi- location/jurisdiction and provide excellent ways to move money and have the movements well-obscured and with very normal appearances. There's an awful lot of our money at stake on this one, so let's hope the government and various agencies pull out all the stops. I am concerned that we may see neither good results from the current investigations nor any cessation of the flows outward any time soon, although there are so many billions out of this one already the beneficiaries should almost have enough... and they are very smart people. - Posted by Hank It is difficult to understand the size, scope and diversity of AIG without looking at its history and some of the public information. One also needs http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/ ... 11/2012008 . :rhe Professors Pop Quiz: Who Controls A.LG.? - Mergers, Acquisitions, Venture Capital... Page 6 of7 2:43 pm 27. November 19th, 2008 3:00 pm 28. November 19th, 2008 3:13 pm 29. November 19th, 2008 5:23 pm 30. November 19th, 2008 5:36 pm 31. November 19th, 2008 8:34 pm to understand that not all of the AlG "family" of companies is in the public view and that there are a significant number of "partners" out there in which AlG has little or no ownership interest but where there is common ownership and a hugh portfolio of shared interests/investments, both corporate and transactional. Here is a short Wiki summary: http://en.wikipedia.org/wiki/ American_International_Gro up and AlG's own history page: hUp:/ /www.aig.com/history--547_104196.html And from its "AlG at a Glance": "American International Group, Inc. (AlG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AlG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In addition, AlG companies are leading providers of retirement services, financial services and asset management around the world." Try putting a rope around that when paired with the "cash power" of the "friends" outside of AlG. BTW this has been evident for 20+ years and was just a matter of time. - Posted by Hank Few days ago I happened to be in Bahamas' poshest hotel, Atlantis, and saw a bunch of AlG suits having a corporation-sponsored party (the large sign next to the restaurant identified them as AlG). Don't forget to pay taxes. Banksters need it. - Posted by averros The problem is that AlG is still writting policies. They are taking business from well run insurers. They are most likely writting policies at a loss, taking buisiness away from health insurers, and subsidizing risky behavoir by insureds. As far as the insiders go, they are hoping once they wipe out some competitors and rebuild the balance sheet they will take they company public and then cash out. - Posted by l:e081'j!;e Are you kidding me? AlG, which is owned by the United States, is legally registered as a Panamanian company. When Noriega fell, AlG went in and paid the new legislature to let AlG write the rules under which it was incorporated. The biggest joke of all is that AlG has any valuable businesses they can sell. Now that they have to FOLLOW THE LAWS they have no competitive advantage. You can bet most of the business they wrote is bad business, where their intermediaries pocketed nice sums for fleecing their customers. That's why they couldn't stop the junkets, cause that's where all the bad business was done. And we're worried about who is running this shell.... - Posted by William Yates ...and who is paying for the attorneys that will be defending the board and the executive suite? I say, it had better not be T ARP. - Posted by Ivona Ivona et al: management and the Board are covered by a "willful misconduct and gross negligence... proved in a final judgement in a court of competent jurisdiction" set of clauses plus some language in various places around the articles and by-laws and some other legal agreements in multiple jurisdictions that give them many more protections than normal... plus prior deals made with the regulators for cooperating. The legal fees won't be very high even if there is a case, and right now the case is totally unclear. There needs to some understanding of exactly what has occurred here, and there is none right now; then there needs to be a process, investigations, establishment of governing law and jurisdiction (which will be fought over), evidence, indictments, trials, testimony, regulatory hearings, grandstanding by Congress and some special interest groups and on and on. It will take years if it works even close to lucky. In the meantime one huge amount of money will be pulled out of AlG and our pockets, and in the end if there are convictions that hold up on appeal http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/... 11/20/2008 . -The Professors Pop Quiz: Who Controls A.I.G.? - Mergers, Acquisitions, Venture Capital... Page 7 of7 32. November 19th, 2008 9:07 pm 33. November 20th, 2008 4:47 am then a deal will be struck to return some portion of the money to the US government and taxpayer... but nothing like 100% of the cash taken. Crime pays and the felons will walk away with somewhere in the area of at least $50-150 billion as my best guess. Pretty sickening. I just hope that Goldman and a few others were able to untangle themselves from AIG before this mess started. Yes, there was a very real and substantial relationship over many years between the two firms, which many of us were concerned would pull Goldman down if certain AIG-related events occurred. If not, Goldman is in deep trouble if not already sunk. Sorry. They are among the best around. - Posted by Hank You can blame Eliot Spitzer for all of AIG's problems. If he had kept his nose out of it, Hank Greenburg would still be running AIG and it would be solvent. - Posted by Stan Who in their right mind, other than dead meat vultures, would continue to initiate new business with AIG or its many downstream parts? - Posted by Doubtinl( Thomas Name Add your comments... Required E-mail Comment Required (will not be published) Submit Comment Comments are moderated and will be posted if they are on-topic and not abasi"c. 11wy may be editedfOl' lenyth and clarity. 1"01' mOl'e informot;on see our Member Agreement 800rts Ooimoo Arts Sly!!1 Travel Jobs Real Estate Autos Back liLT9~ IjoJ!]~ W9.dg I,LJi. tL Y. I Reaioo Business Tec!moloQv (;oPYIigb.L;1,QQs Tb~N~w.Y.9IkTim~.$Qom.PanY P.!J.vacY.Poli.cYS@.arct\ Q.o!I~c!ions X.MI. 1:i~lp Qol11~c!I,)$ WQr:lsJ.9r.l,)s .Sitl'.M~p http://dealbook.blogs.nytimes.com/2008/11/19/the-professors-pop-quiz-who-controls-aig/... 11/20/2008 AIG chief gets a dollar in salary Page 1 of 1 SFGate.com AIG chief gets a dollar in salary leva M. Augstums, Associated Press Wednesday, November 26, 2008 (11-26) 04:00 PST Charlotte, N.C. -- American International Group Inc. said Tuesday it is limiting how much it pays its top executives, including granting a $1 salary for this year and the same for 2009 to its Chief Executive Officer Edward Liddy. The decision is one of many broader moves made by the troubled New York insurer, which has been under pressure to restrict executive pay since accepting billions in government assistance to save it from collapse. AIG has received about $150 billion so far, more than any other company. It was once the world's largest insurer with customers around the globe, and regulators feared the possible effect an AIG collapse would have had on the world's financial system. The company said there will be no 2008 annual bonuses and no salary increases through 2009 for AIG's top seven officers and no salary increases through 2009 for the 50 next-highest AIG executives. In addition to his $1 a year salary, Liddy will be getting an unspecified amount of stock. "We believe these actions demonstrate that we are focused on overcoming our financial challenges so AIG can return value to taxpayers and shareholders," Liddy said in a statement. The announcement comes after New York Attorney General Andrew Cuomo sent a letter to Liddy this month saying AIG should be "completely transparent" about its compensation plans for 2008. In mid-September, the Federal Reserve said it would offer two loans totaling $123 billion to AIG to help the insurer stave off bankruptcy. AIG was later allowed to access an additional $20.9 billion through the Fed's "commercial paper" program. And earlier this month, the government announced new financial assistance to the company. AIG said no taxpayer dollars will be used for any annual bonuses or future cash performance awards for AIG's top management positions. Liddy, who joined the company in mid-September, will not receive an annual bonus this year or next, although he may be eligible for a special bonus for "extraordinary performance" payable in 2010, the company said. It wasn't immediately clear how much stock Liddy stands to get, but AIG spokesman Peter Tulupman more information would be disclosed in a regulatory filing with the Securities and Exchange Commission. http://sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/ 11/26/BUOB14C9F8. DTL This article appeared on page C - 2 of the San Francisco Chronicle http://www.sfgate.com/cgi-binlarticle.cgi?f=/c/a/2008/11 /26/BUOB 14C9F8.DTL&type=... 11/26/2008 American International Group, Inc. I Newsroom Page 1 of 1 << Back AIG NAMES PAULA ROSPUT REYNOLDS VICE CHAIRMAN AND CHIEF RESTRUCTURING OFFICER PDF Version Richard H. Booth Named Vice Chairman, Transition Planning and Chief Administrative Officer NEW YORK--American International Group, Inc. (AIG) has named Paula Rosput Reynolds, former Chairman, President and Chief Executive Officer of Safeco Corporation, as Vice Chairman and Chief Restructuring Officer. In this new position, Ms. Reynolds will oversee AIG's divestiture of assets and will serve as chief liaison with the Federal Reserve Bank of New York. She reports to AIG Chairman and Chief Executive Officer Edward M. Liddy. Richard H. Booth, previously AIG Senior Vice President and Chief Administrative Officer, has been named Vice Chairman, Transition Planning and Chief Administrative Officer. Mr. Booth will be responsible for restructuring AIG's corporate center, overseeing the separation of companies being sold by AIG and executing AIG's operational transition to its new organizational structure. Mr. Booth will continue with his current responsibilities including AIG's global operations and systems, corporate administration, corporate research and development, and a variety of special projects. He will also continue to serve as Chairman of HSB Group, Inc. (HSB) until it is sold. Mr. Booth also reports to Mr. Liddy. Mr. Liddy said that Ms. Reynolds and Mr. Booth are both well prepared to play key roles in turning around AIG. "Paula brings to AIG deep experience, not only as an insurance industry leader, but also as someone who has successfully realigned organizations to meet new challenges," Mr. Liddy said. "She has earned a reputation for working collaboratively with government and regulatory officials to achieve mutual goals." Mr. Liddy also recognized Mr. Booth's successful career in the insurance industry - notably with HSB, the Travelers Corp. and the Phoenix Companies - and his particular strengths in managing complex organizations. "In his brief tenure as AIG's Chief Administrative Officer, Dick has made tremendous progress in improving efficiency and reducing costs," Mr. Liddy said. "Both of these executives will serve us well as we restore AIG as a competitive enterprise that contributes to the economy and returns value to taxpayers and shareholders." Ms. Reynolds was named Safeco President and Chief Executive Officer in January 2006 and Chairman in May 2008. Prior to that, she was Chairman, President and CEO of AGL Resources, an Atlanta-based energy holding company. Before joining AGL Resources, Ms. Reynolds spent 20 years in the energy business in various executive positions. She has served on a number of public boards, including Andarko Petroleum and Delta Airlines. She graduated with highest honors in economics from Wellesley College. Richard Booth was named AIG Senior Vice President and Chief Administrative Officer in June 2008 in addition to his responsibilities as Chairman of HSB. Mr. Booth served as President and CEO of HSB from 2000 through 2007. Prior to joining HSB, he spent 30 years in various insurance industry positions, including President, Chief Operating Officer and Director of The Travelers Corporation, and Executive Vice President and a Director of the Phoenix Companies. Mr. Booth is a CPA, Chartered Life Underwriter and Chartered Financial Consultant. He received his bachelor's and master's degrees from the University of Hartford's Barney School of Business. American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo. Source: American International Group, Inc. http://ir.aigcorporate.com/phoenix.zhtml?c=76115&p=irol-newsArticle&ID=1216730&hi... 10/24/2008 A {juestlOn tor A.l.U. - Where DId the Cash Uo'! - NYTimes.com Page I of 4 lJ,e Nrt., lJorkJ'UUel nybmes.com PJUNT"iR,f=fi!IENOl.'f roaMAt . SP<OMS.oRED err 'm"''^'_.''~W'"~'''''',,'''.~._.w.''~m^_mw.m_''''._mmm___'_~.~___"~"~~m'__mm.~n~'m~'_"""_"rlrl_mm~m~__m_'''''_'_''_A__m_m~,~"uW""_"mm_.m__'_"_"_~.mm~_~"__'_mvm__.~._.._ October 30, 2008 A Question for A.I.G.: Where Did the Cash Go? By MARY WILLIAMS WALSH The American International Group is rapidly running through $123 billion in emergency lending provided by the Federal Reserve, raising questions about how a company claiming to be solvent in September could have developed such a big hole by October. Some analysts say at least part of the shortfall must have been there all along, hidden by irregular accounting. "You don't just suddenly lose $120 billion overnight," said Donn Vickrey of Gradient Analytics, an independent securities research firm in Scottsdale, Ariz. Mr. Vickrey says he believes ALG. must have already accumulated tens of billions of dollars worth oflosses by mid-September, when it came close to collapse and received an $85 billion emergency line of credit by the Fed. That loan was later supplemented by a $38 billion lending facility. But losses on that scale do not show up in the company's financial filings. Instead, ALG. replenished its capital by issuing $20 billion in stock and debt in May and reassured investors that it had an ample cushion. It also said that it was making its accounting more precise. Mr. Vickery and other analysts are examining the company's disclosures for clues that the cushion was threadbare and that company officials knew they had major losses months before the bailout. Tantalizing support for this argument comes from what appears to have been a behind-the-scenes clash at the company over how to value some of its derivatives contracts. An accountant brought in by the company because of an earlier scandal was pushed to the sidelines on this issue, and the company's outside auditor, PricewaterhouseCoopers, warned of a material weakness months before the government bailout. The internal auditor resigned and is now in seclusion, according to a former colleague. His account, from a prepared text, was read by Representative kl~n!'Y-A. Waxl1l.l!!l, Democrat of California and chairman of the House Committee on Oversight and Government Reform, in a hearing this month. These accounting questions are of interest not only because taxpayers are footing the bill at A.LG. but also because the post-mortems may point to a fundamental flaw in the Fed bailout: the money is buoying an insurer - and its trading partners - whose cash needs could easily exceed the existing government backstop if the housing sector continues to deteriorate. Edward M. Liddy, the insurance executive brought in by the government to restructure ALG., has already said that although he does not want to seek more money from the Fed, he may have to do so. Continuing Risk http://www.nytimes.com/2008/1 0/3 O/business/3 Oaig.html ? J= 1 &oref=slogin&ref=busine... 10/3012008 A ~uesnon lOr A.l.v. - w nere Uia me Lasn vO! - l'l r umes.com rage .J or 4 An estimated $13 billion of the money was needed to make good on investment accounts that AI. G. typically offered to municipalities, called guaranteed investment contracts, or G.I.C.'s. When a local government issues a construction bond, for example, it places the proceeds in a guaranteed investment contract, from which it can draw the funds to pay contractors. After the insurer's credit rating was downgraded in September, its G.I.C. customers had the right to pull out their proceeds immediately. Regulators say that AI.G. had to come up with $13 billion, more than half of its total G.I.C. business. Rather than liquidate some investments at losses, it used that much ofthe Fed loan. For $59 billion of the $72 billion AI.G. has used, the company has provided no breakdown. A block of it has been used for day-to-day operations, a broad category that raises eyebrows since the company has been tarnished by reports of expensive trips and bonuses for executives. The biggest portion of the Fed loan is apparently being used as collateral for AI.G.'s derivatives contracts, including credit-default swaps. The swap contracts are of great interest because they are at the heart of the insurer's near collapse and even AI.G. does not know how much could be needed to support them. They are essentially a type of insurance that protects investors against default of fixed-income securities. AI.G. wrote this insurance on hundreds of billions of dollars' worth of debt, much of it linked to mortgages. Through last year, senior executives said that there was nothing to fear, that its swaps were rock solid. The portfolio "is well structured" and is subjected to "monitoring, modeling and analysis," Martin J. Sullivan, AI.G.'s chief executive at the time, told securities analysts in the summer of 2007. Gathering Storm By fall, as the mortgage crisis began roiling financial institutions, internal and external auditors were questioning how AI.G. was measuring its swaps. They suggested the portfolio was incurring losses. It was as if the company had insured beachfront property in a hurricane zone without charging high enough premmms. But AI.G. executives, especially those in the swaps business, argued that any decline was theoretical because the hurricane had not hit. The underlying mortgage-related securities were still paying, they said, and there was no reason to think they would stop doing so. AI.G. had come under fire for accounting irregularities some years back and had brought in a former accounting expert from the Securities and Exchange Commission. He began to focus on the company's accounting for its credit-default swaps and collided with Joseph Cassano, the head ofthe company's financial products division, according to a letter read by Mr. Waxman at the recent Congressional hearing. When the expert tried to revise AI.G.'s method for measuring its swaps, he said that Mr. Cassano told him, "I have deliberately excluded you from the valuation because I was concerned that you would pollute the process." http://www.nytimes.com/2008/10/30/business/30aig.html? _r= l&oref=slogin&ref=husine... 10/30/2008 Cuomo Asks for Pay Data From Banks - NYTimes.com Page 1 of2 fiJbt Nettf lork &me, nytinlElf3. ,CorY) P'MmrER->FRJEN'~tY FORMA! . SP':WSOREO tv October 30, 2008 Cuomo Asks for Pay Data From Banks By BEN WHITE and JONATHAN D. GLATER Wall Street is coming under mounting political pressure to cut bonuses for top executives, traders and bankers in what was already expected to be a down year for pay. Under pressure from members of Congress to curtail compensation, banks now face a new threat from ADdrew_M. CUQIDQ, the New York attorney general, who sent a letter on Wednesday to nine big financial institutions receiving government aid. Mr. Cuomo gave the companies a week to provide a "detailed accounting regarding your expected payments to top management in the upcoming bonus season." That could prove difficult for the banks, which typically do not complete bonus pools until later this month at the earliest. Mr. Cuomo's letter also warned that payments worth more than the services provided by executives might violate New York law. The letter follows one sent earlier this week to the same banks by Henry A. Waxman, the California Democrat who is chairman of the House Committee on Oversight and Government Reform, urging them not to use any government money for bonuses or other payments and asking for data on pay going back to 2006. The demands from Mr. Cuomo and Mr. Waxman reflect an increased concern among lawmakers and regulators about payments to executives, which have drawn strong public reactions since the government approved a $700 billion bailout to stabilize the financial system. Other politicians have also held private meetings with bank executives to warn them that big bonus figures this year would create enormous political problems. Any lawsuit based on the law cited by Mr. Cuomo would take some creative legal footwork, said Edward R. Morrison, a law professor at Columbia University. The law permits creditors to try to recover or block payments. "You have to find a way for the attorney general, for Cuomo, to shoehorn himself into the position of a creditor," Professor Morrison said. "It's not implausible." The attorney general could act under the law, Professor Morrison said, if New York state pension funds hold bonds issued by the nine companies. Mr. Cuomo might also claim jurisdiction over any of the companies that might owe taxes to N ew York. The attention raised questions on Wall Street, because bonus payments are already expected to be as much as 50 percent smaller than last year and perhaps even far smaller at banks that posted big losses. The N ew York State comptroller estimated that Wall Street paid $33.2 billion in bonuses for 2007, compared with $33.9 billion the year before. http://www.nytimes.com/2008/l 0/3 O/business/3 Opay .html ?ref=business&pagewanted=print 10/30/2008 Cuomo Asks for Pay Data From Banks - NYTimes.com Page 2 of2 Even banks like Morgan Stanley and Goldman Sachs, which produced decent profits this year, are expected to award significantly smaller bonuses. Lloyd C. Blankfein, the chief executive of Goldman Sachs, received bonus and stock awards worth about $68.5 million last year, while Goldman's co-presidents got just slightly less. Those numbers will not be repeated. John J. Mack, Morgan Stanley's chief executive, declined to take a bonus last year. Last week, Mr. Cuomo reached an agreement with the American International Group, the insurance conglomerate that has received tens of billions of dollars in loans from the Federal Reserve, to freeze millions in payments to former executives. His latest move appears to expand the inquiry into executive compensation at companies participating in the government's financial bailout program. "Taxpayers are, in many ways, now like shareholders of your company," Mr. Cuomo wrote, "and your firm has a responsibility to them." In his letter, Mr. Cuomo asked specifically for a description of bonus pools for this year, a description of how money in those pools would be allocated, an explanation of how that allocation might have changed since each company received money under the federal Troubled Asset Relief Program and a description of bonuses paid to executives earning more than $250,000 in 2006 and 2007. Mr. Cuomo's letter was sent to J1~J1.k9fAID~d~g, H~I1lLoLNeWYQJ;:kM~1lQ!1, CitigrOM);!, Goldman Sachs, JPMorgan Chase, Merrill Lynch, Morgan Stanley, State Street and Wells Fargo, all of which received capital injections from the government as part of a wide-reaching program to stabilize the financial system. Representatives of Morgan Stanley, JPMorgan Chase, Bank of America and Wells Fargo declined to comment on the letter. Citigroup said it would "cooperate with federal and state inquiries about our global expenditures for wages, health insurance and other benefits, which we believe reflect compensation best practices. In addition, we will of course adhere to applicable legal and regulatory requirements, including those in the federal government investment program, such as restrictions on executive compensation." In an e-mail message, a spokeswoman for State Street said the bank was "carefully evaluating" Mr. Cuomo's request. Other financial institutions did not return calls. Coovriaht 2008 The New York Times Comoanv Privacy Policv I Search I Corrections I First Look I ~ I Contact Us I Work for Us I ~ http://www.nytimes.com/2008/ 10/3 O/business/3 Opay .html ?ref=business&pagewanted=print 10/30/2008 Page 1 of 2 Randy Musgraves - Central Central Costa SD - Fiduciary Liability From: To: Date: Subject: "Marilyn Schley" <MSchley@alliantinsurance.com> <Sdeutsch @centralsan.dst.ca.us>, <rmusgraves @centralsan.dst.ca.us> 10/28/2008 10:08 AM Central Central Costa SD - Fiduciary Liability Good Morning - We have been ask to forward this correspondecne from AIG to all Fiduciary clients. _ . Commercial , Insurance October 24, 2008 Dear Business Colleagues, AIG Commercial Insurance's (AIGCI) commitment to policyholders is never more evident than when claims are filed. Our willingness and ability to pay claims remains unassailable - even in the face of our parent company's challenges. In fact, in the past 45 days, Lexington Insurance Company, a member of AIGCI, has advanced $130 million in claim payments on nearly 2,300 claims for customers devastated by Hurricanes Ike and Gustav. Below are more facts that I think are important to note about AIGCl's claims operations: . AIGCI stands ready to pay claims, making on average $73 million in policyholder claims payments every single business day. . There is no substitute for experience. Nearly 6,000 dedicated AIGCI claims professionals average more than 10 years of experience. . AIGCl's in-house claims experts manage the most highly technical and complex claims situations from severity specialty and workers' compensation claims to primary casualty and directors' and officers' liability suits. . More than 50 percent of the staff in most of our specialty claims areas are attorneys. These professionals provide our operations with in- depth knowledge of laws and regulations, real world experience, and an ability to identify, and help circumvent, developing loss trends. . Best-in-c1ass, global resources are on-the-ground for the benefit of our clients, including premier law firms, investigators, medical management professionals, forensic specialists and others. . The latest technology streamlines claims reporting and expedites resolution, including paperless claims handling and convenient 24/7 online access to report claims. When clients need us most, the promise to pay covered claims and provide exemplary service is a priority at AIGCI. I would ask you to compare our in-house claims resources to others. I am confident that you will find our claims team is second to none. For more information on our market-leading claims capabilities, contact your local AIGCI representative, your broker or visit: www.<;!ig.com/commercialinsurance. Additionally, an updated Fact Sheet is available on the latest AIGCI developments. Thank you for your continued support. file://C:\Documents and Settings\rmusgraves\Local Settings\ Temp\GW} 0000 1.HTM 10/28/2008 Page 2 of 2 ~I John Q. Doyle President and CEO AIG Commercial Insurance Copyright @ 2008 Amer~i!JLlDtern_ational Group. Inc. All rights reserved. 175 Water St. New York NY 10038 Thanks & Best Regards, Marilyn P. Schley, AU Account Manager Alliant Insurance Services, Inc. 600 Montgomery Street, 9th Floor San Francisco, CA 94111 Direct: 415.403. 1432 Fax: 415.402.0773 E-mail: mschlev@ alllantias.UfJ1QC(!2,-CQill This e-mail and all attachments to it are for the sole use of the intended recipients and may contain proprietary information and trade secrets of Alliant Insurance Services, Inc. and its subsidiaries. This e-mail may also contain information which is confidential or which is protected from disclosure by privilege. Any unauthorized use, disclosure or distribution of this e-mail and its attachments is prohibited. If you are not the intended recipient, let us know by reply e-mail and then erase and destroy all electronic or other copies of this message. file://C:\Documents and Settings\rmusgraves\Local Settings\Temp\GW } 0000 1.HTM 10/28/2008 5.d. ARTICLE ON CalPERS State publi~ worker pension fund takes big hit Page 1 of 4 SFG8ttI.com State public worker pension fund takes big hit Carolyn Said, Chronicle Staff Writer Monday, December 8, 2008 .~~"::.._. -----.- ., ~.::::=--~+. ", ..._'.... -. ........'..- ..........."'..,..-........ " ','. -'.':- ....,.:.,.,.~ =""= .~~~ , . . . (12-07) 18:55 PST -- The market downturn has walloped the nation's largest pension fund. The California Public Employees' Retirement System portfolio has lost 31.1 percent of its value since peaking last fall, a staggering $81.4 billion drop. CalPERS officials say a "rainy day fund" is helping to defray the losses - for now. But if the market slump continues, they will hit up state and local employers for more money. That's a painful prospect as California struggles through a fiscal emergency and municipalities cope with the foreclosure crisis and economic downturn. The good news for the 1.6 million CalPERS retirees, workers and family members is that their pension benefits are guaranteed. "Obviously, ifthere is a downturn, there are going to be ramifications," said Rob Feckner, president of the CalPERS board. "Our job is to make sure we protect the system and the funds that are there for the pensioners." The CalPERS portfolio hit a high point of $260.6 billion on Oct. 31, 2007. As of market close on Dec. 4, it had fallen to $179.2 billion - almost back to its value in mid-2000. The portfolio drop comes amid a time of extraordinary financial turmoil, with wrenching contractions on Wall Street that have wiped out trillions of dollars of shareholder value. The Dow Jones Industrial Average has dropped 39.8 percent during the same period that the CalPERS portfolio fell 31.1 percent, for instance. Unlike many pension funds, CalPERS can require employers to dig deeper when needed. Since those employers are public entities, their funds come from taxpayer dollars. This fall, CalPERS warned that it might ask for more money from the state starting in July 2010 and from local- government employers starting in July 2011. If the current losses are sustained, CalPERS said the increases could be from 2 to 5 percent of payrolls. That's a hefty rise on top of the 12.7 percent of payrolls employers already contribute to the pension fund. (Employees contribute from 5 to 7 percent of their salaries.) If losses are more moderate, then the potential increases would be smaller. Although it seems highly unlikely, if the fund finishes the year in positive territory, employers could even see their pension obligations reduced. htto://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/12/08/MN 1314IRLO.DTL&type=pr... 12/8/2008 State public worker pension fund takes big hit Page 2 of4 . "We wanted to give an early warning so they had plenty of time to prepare if the worst were to happen," said Pat Macht, a spokeswoman for the agency in Sacramento. Long-range focus She and other experts emphasized that CalPERS focuses on long-range planning. "It's important to remember that public pension funds exist over decades and their liabilities will come due over decades, which provides the time for markets to recover and funding levels to recover," said Keith Brainard, research director ofthe National Association of State Retirement Administrators. "Yes, this has been a precipitous market decline, but because (CaIPERS and other retirement plans) have plans and mechanisms to smooth out peaks and valleys, the actual effect is likely to be far less sharp." The nation's second-largest public pension fund is the California State Teachers' Retirement System with 794,812 members. It, too, has sustained heavy losses in the market downturn. Its portfolio fell 20.3 percent, or $32.9 billion from June 30 to Oct. 31, going from $162.2 billion to $129.3 billion. CalSTRS' defined-benefit pensions are guaranteed just like those of CaIPERS. Unlike CaIPERS, however, the teachers' fund does not have the authority to ask for increased contributions from employers. Any contribution changes would have to be enacted by the Legislature and approved by the governor. CalSTRS is funded by school districts contributing 8.25 percent of payroll, the state general fund paying in a tad over 2 percent of payroll, and members contributing 8 percent of salaries. "As a patient, long-term investor, we're built to make it through these ups and downs," said Sherry Reser, a CalSTRS spokeswoman in Sacramento. "We're a forever investor. There is going to be a recovery; we've done this before." Both funds use various "smoothing" mechanisms to help minimize the impact of market volatility. During four years of double-digit growth from 2004 to 2007, CalPERS reserved 14 percent of its total portfolio to hedge against drops, Macht said. "If we had not done this, it would have been considerably worse," she said. "The impacts of today are being softened considerably." However, that cushion is largely depleted. For the fiscal year ended June 30, 2007, the portfolio was down 5 percent. The "rainy day" funds were used to make up that shortfall and provide the returns CalPERS would have experienced if the portfolio had risen 7.75 percent. httn'//vJur\.\l "fO::ltf' C'()m/C'oi-hin/;lrtidp c.oi?f=/c./;l/?OOR/12/OR/MN1114TRLO. DTL&tvoe=of... 12/8/2008 ::'tate public worker pension fund takes big hit , . Page 3 of 4 The portfolio fell an additional 25 percent from June 30 to Dec. 4. There are still almost seven months in CaIPERS' fiscal year, but ifthe results are still negative on June 30, then it will ask agencies to ante up. Hoping for best California Treasurer Bill Lockyer, who sits on the CalPERS board, said he is hopeful that market conditions will improve by then so it won't have to ask for more money. But if agencies do have to dig deeper to fund pension obligations, "this would be an added burden," he said. "It means both state and local government employers would be spending more on retirement than on some immediate program needs. Paying the commitments to pension obligation is a high priority, and it would take precedence over many other spendings." Where would the money come from? Government has just two choices, Lockyer said. "You either cut some other program expenditures or you tax something." Critics say that underscores their basic gripe with public pensions: Taxpayers end up footing the bill. "This is another example of why, over time, all public entities in California need to think seriously about changing from the defined benefit to the defined contribution plan," said Jon Coupal, president of the Howard Jarvis Taxpayers Association in Sacramento. "With defined contribution plans, which can still be quite generous, the taxpayers' obligation ends when those contributions are made. You don't get in a situation like we have right now, where the economy is heading in a downward spiral and you ramp up taxpayer obligations to meet those pension obligations." Attempts to change p~blic pensions meet strong opposition from government workers and their unions. In 2005, Gov. Arnold Schwarzenegger proposed reforming California public pensions with a 401(k)-style plan, but later withdrew the idea. 'It's going to get worse': Obama expects the economy to dive further before improving. A3 About calpers Mission: Manages pension and health benefits for public workers from about 2,300 California public entities. Pensions, which are guaranteed by law, are defined benefits determined by a retiree's salary, length of service and age. Members: 1.6 million public employees, retirees and their families (1,126,133 active and inactive members; 476,252 retirees). Members are drawn about one-third each from state government, schools and local government agencies. http://www.sfgate.comlcgi-bin/article.cgi?f=/c/a/2008/12/08/MN 1314IRLO.DTL&tvoe=or... 12/8/2008 State public worker pension fund takes big hit Page 4 of.'4' Income: Participating agencies contribute an average of 12.7 percent of payroll. Workers contribute 5 to 7 percent of their salaries. Source: CalPERS Possible changes in employer contributions Depending on investment results when the fiscal year ends on June 30,2009, CalPERS may request additional contributions from employers, which are taxpayer-funded government entities. So far this fiscal year (from July 1 to Dec. 4), the investment return is -25%. Contribution decreases are smaller with larger returns because CalPERS would hold back some gains as a cushion for future downturns. 2008-09 investment return Change in employer contributions as percentage of payroll -20% 2% to 5% -15% 1% to 2% -10% 0.2% to 0.5% 0 0.1% to 0.2% 7.75% -0.1% 10% -0.1% to -0.2% 20% -0.2% to -0.5% Source: CalPERS E-mail CarolynSaidatcsaid@sfchronicle.com. http://sfgate.com/cgi-bin/article. cgi?f= / c/a/2008/12/08/M N 1314IRLO. DTL This article appeared on page A-I of the San Francisco Chronicle h++..../I"n"'" "f'n<>t", N........./('n;_h;n/"'rl;('\'" "o;?f=/,,/<>!?()()RI1 ')mR/MN1114TRT J) nTT .&tvne=nr 12/H/200S GOVERNORSCHWARZENEGGER DECLARES FISCAL EMERGENCY FOR CALIFORNIA 5.9. Central Contra Costa Sanitary District December 12,2008 FROM: BUDGET AND FINANCE COMMITTEE JAMES KELLY aI~ RANDALL MUSdAAVES/flt1\M DEBBIE RATCLIFF ilL TO: VIA: SUBJECT: GOVERNOR SCHWARZENEGGER DECLARES FISCAL EMERGENCY Staff has been following the economic crisis in the State of California. Various articles and information are attached including a Proclamation by the Governor declaring a fiscal emergency and calling a legislative special session to address this emergency. Staff reviewed what Proposition 1A allows during a proclaimed state budget emergency. Prop 1 A was intentionally written to allow flexibility and provide the Governor with options in the event of a significant state fiscal hardship. The Legislature may borrow local property taxes only under the following conditions: - A separate urgency bill must be passed by a 2/3 vote of Legislature - The Legislature must pass a law to fully repay the loan with interest within three fiscal years - New loans are prohibited until prior loans have been repaid - No more that two loans may occur during any ten-year period - The loan amount is capped at 8% of the local government property tax amount As of the writing of this memo, there has not been a separate urgency bill that has been submitted for a vote, however, the Legislature could still propose an urgency bill to address the current and future State deficit. The Governor has yet to state that he intends to borrow funds from local agencies. Currently, Governor Schwarzenegger has created a bipartisan Commission on the 21st Century Economy to re-examine and modernize California's out-of-date revenue laws and provide for a fair and equitable revenue structure. Staff will continue to monitor the situation and will inform the Board should anything change. H:\Govemor Schwarzenegger.doc --.---.----.---.------^'--'.-..-.-...---.'.--...-".''',"".,.",._-~._._-,...,"~.,._._..._.,._-,,--_.._--_._--_.-,~_._"-_...-._-_._.__....._--,--,_._..._..._._" A PROCLAMATION BY THE GOVERNOR OF THE STATE OF CALIFORNIA WHEREAS on this date, pursuant to Section 10(f) of Article IV of the Constitution of the State of California, I have proclaimed a fiscal emergency; and WHEREAS on this date, I am submitting to the Legislature proposed legislation to address that fiscal emergency; and WHEREAS this extraordinary occasion having arisen and now existing, it requires that the Legislature of the State of California be convened in extraordinary session. NOW, THEREFORE, I, ARNOLD SCHWARZENEGGER, Governor of the State of California, by virtue of the power and authority vested in me by in accordance with Section 1 O(f) of Article IV of the Constitution of the State of California, do hereby convene the Legislature of the State of California to meet in extraordinary session at Sacramento, California on the 1 st day of December 2008, at a time to be determined, to consider and act upon legislation to address the fiscal emergency proclaimed by me this day. IN WITNESS WHEREOF I have hereunto set my hand and caused the Great Seal of the state of California to be affixed this 1st day of December, 2008. ARNOLD SCHWARZENEGGER Governor of California ATTEST: DEBRA BOWEN Secretary of State A PROCLAMATION BY THE GOVERNOR OF THE STATE OF CALIFORNIA WHEREAS, due to developments in the worldwide and national financial markets, and continuing weak performance in the California economy, it is estimated that there will be a General Fund revenue shortfall of at least $11.2 billion for the 2008- 09 fiscal year. Additionally, the weakening economy will increase the expenditures for health and social services beyond what is provided for in the Budget Act.; and WHEREAS on November 6, 2008, due to concerns regarding dramatically declining revenues, I issued a Special Session Proclamation and convened the Legislature of the State of California to meet in extraordinary session to address the fiscal crisis that California faces; and WHEREAS the Legislature failed during that Special Session to enact any bills to address the State's significant economic problems; and WHEREAS immediate and comprehensive action is needed to address the revenue shortfall facing the State of California; and WHEREAS within months the State will not be able to meet all of its expenses, outside of debt service, without immediate and comprehensive action; and WHEREAS failure to substantially reduce the deficit carried forward from the current fiscal year into the next fiscal year willli,kely prevent the State from being able to finance the cashflow shortages of billions of dollars that will occur in July and August, thus making it likely that this fiscal year's deficit will cause the State to miss payroll and school payments at the beginning of 2009; and WHEREAS, according to the Legislative Analyst, next fiscal year's budget will be even more out of balance than the current year budget and balancing the 2009/2010 budget will be immeasurably more difficult if actions to reduce spending trends and increase revenue trends are not put into place immediately, NOW, THEREFORE, I, ARNOLD SCHWARZENEGGER, Governor of the State of California, in accordance with Section 10(f) of Article IV of the Constitution of the State of California, HEREBY DETERMINE that General Fund revenues for Fiscal Year 2008- 09 will decline substantially below the estimate of General Fund revenues upon which the 2008 Budget Act was based. I, ARNOLD SCHWARZENEGGER, Governor of the State of California, HEREBY DECLARE that a fiscal emergency exists. I, ARNOLD SCHWARZENEGGER, Governor of the State of California, HEREBY IDENTIFY THE NATURE OF THIS FISCAL EMERGENCY to be the projected budget imbalance and insufficient cash reserves for Fiscal Year 2008-09 and the projected insufficient cash reserves and potential budgetary and cash deficit in Fiscal Year 2009- 10 which are anticipated to result from the dramatically lower than estimated General Fund revenues in Fiscal Year 2008-09. FURTHER, on this day, as required by Section10(f) of Article IV of the Constitution of the State of California, I will cause the Legislature to assemble in special session to address this fiscal emergency, and I will submit to the Legislature proposed legislation to address this fiscal emergency. IN WITNESS WHEREOF I have hereunto set my hand and caused the Great Seal of the State of California to be affixed this 1 stday of December, 2008. ARNOLD SCHWARZENEGGER Governor of California ATTEST: DEBRA BOWEN Secretary of State A PROCLAMATION BY THE GOVERNOR OF THE STATE OF CALIFORNIA WHEREAS, an extraordinary occasion has arisen and now exists requiring that the Legislature of the State of California be convened in extraordinary session. NOW, THEREFORE, I, ARNOLD SCHWARZENEGGER, Governor of the State of California, by virtue of the power and authority vested in me by Section 3(b) Article IV of the Constitution of the State of California, do hereby convene the Legislature of the State of California to meet in extraordinary session at Sacramento, California on the 1 st day of December 2008, at a time to be determined, for the following purpose and to legislate upon the following subjects: 1. To consider and act upon legislation to address the economy, including but not limited to efforts to stimulate California's economy, create and retain jobs, and streamline the operations of state and local governments. 2. To consider and act upon legislation to address the housing mortgage crisis. 3. To consider and act upon legislation to address the solvency of the Unemployment Insurance Fund. IN WITNESS WHEREOF I have hereunto set my hand and caused the Great Seal of the State of California to be affixed 1st day of December, 2008. ARNOLD SCHWARZENEGGER Governor of California ATTEST: DEBRA BOWEN Secretary of State State deficit nearly $15 billion, governor says Page 1 of2 SFG.te.com . ' State deficit nearly $15 billion, governor says Matthew Vi, Chronicle Sacramento Bureau Wednesday, December 10, 2008 (12-10) 13:15 PST SACRAMENTO -- California's budget deficit for the current fiscal year has ballooned to nearly $15 billion, Gov. Arnold Schwarzenegger said Wednesday, with the state overspending its revenue by about $40 million a day. Without quick action by the Legislature to fix the budget's gaping hole, the state will finish the fiscal year $14.8 billion in the red, the governor said at a news conference at the Capitol. The deficit is far worse than the $11.2 billon shortfall that Schwarzenegger announced last month, but the deteriorating economy is likely to make the problem even worse next year, Schwarzenegger said. Schwarzenegger said he's frustrated by the Legislature's inability to find a compromise solution. Republicans have been standing firm on their vow not to support taxes, while Democrats have argued that spending cuts and taxes should be considered. "What is amazing is that legislators act as if we have $30 billion in surplus," he said. Last month, Schwarzenegger called on lawmakers to convene a special legislative session to tackle the budget crisis, but the Legislature failed to find a compromise before the session ended on Nov. 30. "They met, they debated, they postured and they did nothing," Schwarzenegger said today. "If that isn't a shameful performance, I don't know what is." Schwarzenegger called another special session on Dec. 1, the first day of the new legislative session with newly-elected lawmakers. The Legislature on Monday held an unprecedented joint session to hear from the state's leading finance officials on the state's fiscal picture, which was painted grim at best. The state Senate began holding committee hearings today on the budget crisis and the Assembly is expected to begin Thursday. "Legislators had an earful from our finance experts ... and it's the same sad news that I've been saying for months now," the governor told reporters this morning. http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/12/1 0/BAAM14LL07 .DTL&type=... 12/10/2008 State deficit nearly $15 billion, governor says Page 2 of2 .schwarzenegger said he will ask legislative leaders to meet with him Thursday to restart negotiations. The governor even unveiled a large poster board, titled "Legislature's Failure to Act," with a digital clock that calculates every the state's increasing budget hole by the second. "Every second, the state is losing $470, every minute $28,000 and every hour $1.7 million, and every day $40 million," Schwarzenegger said. "That is approximately more than $1 billion a month iflegislators don't act." As of 11:30 a.m. today, the clock showed the deficit at more than $6.6 billion. Schwarzenegger said he plans to place the board in the hallway of the state Capitol outside his office on the first floor. E-mail MatthewYiatmyi@sfchronicle.com. http://sfgate.com/cgi-bln/article. cgi?f=/c/a/2008/ 12/ 10/BAAM 14LL07. DTL http://www.sfgate.com/cgi-bintartic1e.cgi?f=/c/a/2008/12/l O/BAAM 14LL07 .DTL&type= ... 12/1 0/2008 Budget crisis could stall projects in Bay Area Page 1 of 4 SFG.te.com Budget crisis could stall projects in Bay Area Matthew Vi, Michael Cabanatuan,Jill Tucker, Chronicle Staff Writers Wednesday, December 10, 2008 .. (12-09) 20:37 PST -- Bay Area officials said Tuesday the region will be devastated if work on school renovations and transportation projects is halted or delayed because of Gov. Arnold Schwarzenegger and the Legislature's inability to solve the state's huge budget deficit. "Talk about the Grinch that stole Christmas," said Dennis Fay, executive director of the Alameda County Congestion Management Agency, which is overseeing freeway carpool-lane projects that could be in jeopardy. <<Related story: City workers, poor lose out in S.F. budget cuts.>> Several Bay Area public works projects would be affected if state financing runs dry in the coming days, including a $950,000 job to resurface a freeway ramp in Oakland, $6 million in modernization work at Jefferson Elementary School in San Francisco and the $420 million fourth bore in the East Bay's Caldecott Tunnel. The construction of the eastern span of the Bay Bridge would not be affected because it is funded by bonds that are backed by bridge tolls rather than the state's general fund. On Monday, state Treasurer Bill Lockyer warned state lawmakers during an unprecedented joint legislative session on the state's fiscal crisis that nearly $5 billion worth of financing for hundreds of building projects throughout the state may grind to a halt in days without a budget fix. Finding investors to buy the state's voter-approved bonds has become nearly impossible as a result of the worldwide credit crunch and the state's worsening budget mess, Lockyer said. Getting worse California is in the midst of an $11.2 billion revenue shortfall for the current fiscal year that ends on June 30, and the numbers are expected to be much worse when Schwarzenegger unveils his budget proposal in January. On Dec. 1, the first day of the new legislative session, Schwarzenegger declared a fiscal emergency and called a special session. Lawmakers have until Jan. 15 to send a package of solutions to the governor for his signature. If they miss the deadline, they can't consider any bills other than those http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/12/1 0/MN3K 14L 1 EF .DTL&type= ... 12/10/2008 Budget crisis could stall projects in Bay Area Page 2 of 4 that address the budget deficit. The state Assembly and Senate are set to hold committee hearings beginning today, but the problem is worsening each day, the state's finance officials say. State Controller John Chiang announced Tuesday that the state could run out of cash in February rather than mid-March because state revenue in November came in $1.3 billion lower than expected. California's looming cash crunch is the primary reason for Lockyer's warning that the state may need to halt or delay public works projects funded by voter-approved bonds that are backed by the state's general fund. Initial financing for those projects comes from the state's Pooled Money Investment Account, which is a combination of the state's general fund, special funds and deposits from local governments. The money is repaid by bond sales. But the current credit-market freeze, coupled with California's fiscal crisis, has made it nearly impossible for the state to sell voter-approved bonds for the state's public works projects, Lockyer said. The treasurer wants to turn off the financing spigot so the state can save as much cash as possible to pay its bills. No decision yet A final decision on whether to halt financing for the local construction projects will be made Dec. 17 by the little-known Pooled Money Investment Board, which is made up of Lockyer, Chiang and Schwarzenegger's finance director, Mike Genest. While Lockyer said the state needs to stop financing projects until lawmakers fix the budget, representatives of Chiang and Genest refused to say Tuesday whether their bosses support the treasurer's conclusion. But there may be little choice but to hold off on financing projects, at least for now, because the state will simply run out of money, said Tom Dresslar, a spokesman for Lockyer. A halting of state funds would immediately throw a wrench into many projects that are counting on state money, local officials said. Jefferson Elementary School in San Francisco is in midst of a $6 million modernization project that includes a new elevator, upgrades to plumbing and electrical systems, and improved access for the disabled. http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/12/1 0/MN3 K 14L 1 EF.DTL&type=... 12/1 0/2008 Budget crisis could stall projects in Bay Area Page 3 of 4 The San Francisco Unified School District is waiting for $3.4 million from the state to help pay for the work at Jefferson, which hasn't been renovated in 25 years, said Gentle Blythe, a district spokeswoman. Other Bay Area school districts that are in line to receive state funds for renovation projects are West Contra Costa Unified ($11 million) and Livermore Unified ($5 million). Bay Area transportation officials also reacted with concern, frustration and anger after learning that the state budget crisis could stem the flow of funds for planned construction projects. The long-awaited fourth bore for the Caldecott Tunnel, for which construction is tentatively scheduled to start in the fall, and the carpool lanes being added to Highway 101 in Sonoma County are the biggest improvements on a list of $1.6 billion in endangered projects identified by Caltrans statewide. Sixteen Bay Area projects account for $468 million. Work can't begin Bob McCleary, executive director of the Contra Costa Transportation Authority, said while the state funds a part of the $420 million Caldecott Tunnel project, work can't begin until all the money is available. "We can't build this in phases," he said. "It's basically one big hole in the hill. If we don't have the money secured, we can't advertise and start the project." McCleary and Fay also fear that halting projects such as carpool lanes on eastbound Interstate 580 and southbound Interstate 680 would result in layoffs at a time when the state's unemployment rate has increased above 8 percent. "We could have to stop people from working," Fay said. "And just at the time we need to have people working." Where you'll feel the budget pain Here are some public works projects that could be affected if state funds are halted: Caldecott Tunnel {above}: $420 million to begin construction on a fourth bore in the tunnel. Sonoma County: $61 million for carpool lane construction on Highway 101. San Jose: $15 million for traffic-light synchronization. Jefferson Elementary: $3-4 million for modernizing school in San Francisco. http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/12/1 0/MN3K 14L 1 EF .DTL&type= ... 12/1 0/2008 Budget crisis could stall projects in Bay Area Page 4 of 4 San-Francisco: $1 million for widening the ramp at the Alemany Boulevard overcrossing. Oakland: $950,000 to resurface ramps from Interstate 580 and Highway 24 to the 52nd Street undercrossing in Oakland. Source: State Treasurer, Caltrans, San Francisco Unified School District E-mail thewritersatmyi@sfchronicle.com. mcabanatuan@sfchronicle.com and jtucker@sfchronicle.com. http://sfgate.com/cgi- bin/article .cgi ?f= / c/a/2008/ 12/ 1 O/M N3K 14L1 EF. DTL This article appeared on page A - 1 of the San Francisco Chronicle http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/12/l 0/MN3K14L 1 EF.DTL&type=... 12/10/2008 GovernDr Arnold Schwarzenegger - Policy Update Page 1 of 2 Randy Musgraves - Governor Schwarzenegger Calls New Legislature into a Prop 58 Special Session and Second Special Session to Address State's Economy From: To: Date: Subject: "Governor's Mailing List" <DoNotReply@govnews.ca.gov> <colette@centralsan.dst.ca.us> 12/1/2008 3:09 PM Governor Schwarzenegger Calls New Legislature into a Prop 58 Special Session and Second Special Session to Address State's Economy POLICY UPDATE BUDGET Governor Schwarzenegger Calls New Legislature into a Prop 58 Special Session and Second Special Session to Address State's Economy After the previous legislature's inaction in both addressing the state's $11.2 billion current year revenue shortfall and enacting economic stimulus in the last legislative special session, Governor Arnold Schwarzenegger today declared a fiscal emergency for the state of California, allowing him to call a Proposition 58 legislative special session to address this emergency. The Governor also called a second legislative special session to address the state's economy. The Governor reiterated his call for a combination of difficult spending cuts and new revenues to solve the state's revenue shortfall - and also reiterated his call for the legislature to enact plans previously outlined by the Governor to stimulate job creation, address the mortgage crisis and fix the state's Unemployment Insurance Fund. "Without immediate action our state is headed for a fiscal disaster and that is why with more than two dozen new legislators sworn in today - I am wasting no time in calling a fiscal emergency special session," Governor Schwarzenegger. "We must act now to address the current year revenue shortfall of $11.2 billion and we must implement an economic stimulus package to help retain and create jobs, keep Californians in their homes and fix the state's Unemployment Insurance Fund. I look forward to working with the legislature in attacking these problems head on, making the difficult choices and working together for the common good and future of the state of California." While Governor Schwarzenegger has worked to fix California's spending problem and has kept state spending relatively flat for the past three budget cycles, the dramatic deterioration in revenue projections since the signing of 2008 Budget Act presents an extraordinary situation which, combined with the volatility of our tax system, creates a revenue problem. The current fiscal year budget shortfall is projected to be $11.2 billion. Over the next 18 months, preliminary estimates from the Legislative Analyst's Office show the budget deficit reaching a staggering $28 billion. Under Proposition 58 the legislature has 45 days to pass and send a bill or bills to the Governor's desk addressing the state's budget crisis. If the 45 days pass and the legislature has not passed bills to address the problem, they cannot adjourn or act on other bills until the state's fiscal emergency is addressed. The Governor previously called a legislative special session and announced a plan to close California's budget shortfall. At that time, the Governor also unveiled a separate plan of targeted actions that will stop our economy's downward spiral. His prescription is full of specific actions to generate jobs, keep jobs and file://C:\Documents and Settings\rmusgraves\Local Settings\Temp\GW}00002.HTM 12/512008 Governor Arnold Schwarzenegger - Policy Update Page 2 of 2 businesses that are tempted to leave in California and lure those that have left back to the Golden State. The Governor's plan to stimulate employment in our state includes: accelerating hospital construction to inject approximately $160 million into California's economy; expediting infrastructure bond monies to create jobs and help unemployed residential construction workers in the hardest hit areas of the state get trained in a new type of construction; keeping high paying jobs in California by providing overtime exemptions and allowing more flexible work schedules to increase productivity; clarifying meal and rest periods to save businesses hundreds of millions of dollars in litigation costs and create less confusion from meal break violations which will mean fewer terminations; reducing barriers to public-private partnerships and "design-build" agreements to enable more infrastructure to be built better, faster and cheaper and generate more jobs during the housing downturn; and keeping television and film production in California by providing targeted tax credits and keep thousands of jobs in the state and economic output in our state. The Governor also recently provided the legislature an aggressive plan to help shore up our state's economy by helping Californians stay in their homes. His proposal would bring down foreclosure rates by helping both borrowers and lenders modify existing home loans in ways that benefit both parties. Also, to prevent another mortgage crisis in the future, the Governor prescribed changes to the way mortgages are brokered and originated to make lenders more accountable, guard against risky mortgages and prevent unsustainable bubbles from ever arising again. Governor Schwarzenegger also recently unveiled a plan to continue to help those Californians most in need by ensuring benefits for the state's unemployed through restoring solvency to the unemployment insurance fund. The financing system for the trust fund is over 20 years old - and while benefits have increased, contributions have remained the same. The fund is projected to be $2.4 billion in the red for the coming calendar year and $4.9 billion in the red in 2010. If no changes are made, federal taxes for California employers will increase in 2012. To shore-up the fund and protect benefits to unemployed Californians, the Governor has called for a gradual increase in contributions into the fund, combined with a small reduction in benefits in order to maintain the fund's solvency. In an effort to avoid the extreme revenue swings that have caused crippling deficits in our state, the Governor and legislative leaders announced the long-term action of creating the bipartisan Commission on the 21st Century Economy to re-examine and modernize California's out-of-date revenue laws that contribute to our feast-or-famine state budget cycles. The commission will suggest changes that will result in a revenue stream that is more stable and reflective of our economy while maintaining a fair and equitable revenue structure that will ensure our continued competitiveness and attraction to employers and workers. The three proclamations Governor Schwarzenegger signed today are below: Prop 58 Special Session Proclamation December 1 . 2008 (PDF) Special Session Proclamation December 1. 2008 (PDF) Fiscal Emergency Proclamation December 1. 2008 (PDF) To edit your subscriptions or to unsubscribe please visit: http://gov.ca.gov/interact/#subscribe @ 2007 State of California file://C:\Docurnents and Settings\rrnusgraves\Local Settings\Ternp\GW}00002.HTM 12/512008 Governor Schwarzenegger Announces Plan to Address Budget Emergency, Stimulate California's Econ... Page I of 4 . Office of the Governor ARNOLD SCHWARZENEGGER THE PEOPLE'S GOVERNOR Home About Arnold About Maria Newsroom Multimedia Issues 810g Interact Appointmen" 11/06/2008 GAAS:764:08 FOR IMMEDIATE RELEASE PriI11VE:lJ$iQD I Erngill ShgrE:) Governor Schwarzenegger Announces Plan to Address Budget Emergency, Stimulate California's Economy To remedy California's urgent budget situation due to economic conditions radically deteriorating since the 2008 Budget Act was signed, Governor Arnold Schwarzenegger today called a special session of the legislature and announced an action plan to get our budget back on track, invigorate our economy and generate jobs for the state's unemployed. The Governor called for a combination of cuts and revenue increases to solve California's budget shortfall which has now reached $11.2 billion. The actions prescribed by the Governor must be taken up as quickly as possible in order to prevent a cash crisis that will jeopardize vital state services. "In the six weeks since I signed our last budget the mortgage crisis has deepened, unemployment has increased and the stock market has lost almost 20 percent of its value," Governor Schwarzenegger said. "We have drastic problems that require drastic and immediate action-we must stop the bleeding right now. We must first close a projected current year shortfall of http:// gov .ca. gov lindex. php? Ipress- releasel 1 09661 RELATED CONTEL' .. Proclamatiol .. Speech .. Fact Sheet .. Photo Essa~ .. Video .. PDF - Mortg~ Foreclosure .. PDF - Cuts 8 .. PDF - Emplo Stimulus .. PDF - Uneml Trust Fund .. PDF - Comm 21st Century E PHOTO ESSAY CLICK TO ENLARGE 12/5/2008 Governor Schwarzenegger Announces Plan to Address Budget Emergency, Stimulate California's Econ... Page 2 of 4 $11.2 billion, and then we must address the mortgage crisis to keep people in their homes, implement an economic stimulus package to help retain existing jobs and create as many new ones as possible, and fix the state's Unemployment Insurance Fund. I look forward to working with all the legislators, hearing their ideas and doing what is best for the people of California. " While Governor Schwarzenegger has worked to fix the state's spending problem, and has kept state spending relatively flat for the past three budget cycles, the dramatic drop in our revenue projections over the past six weeks presents an extraordinary situation which, combined with the volatility of our tax system, creates a revenue problem. To address this ~~""Claarts extraordinary situation, the Governor is proposing $4.5 billion in difficult cuts and $4.7 billion in new revenues for the current-year budget which will ensure the state can protect vital services. Governor Schwarzenegger's proposal calls for a temporary increase in the state sales tax, from 5 percent to 6.5 percent, which will generate additional sales tax revenues of $3.219 billion in 2008-09 and $6.606 billion in 2009-10 for the General Fund. It will also effectively protect significant education funding. At the end of three years, the state sales tax would revert back to 5 percent. Additionally, the Governor called for additional revenue increases including broadening the sales and use tax to include certain services, imposing an oil severance tax upon any oil producer that extracts oil from the earth or water in this state and increasing the alcohol excise tax by five cents a drink. Yesterday, the Governor announced ang.ggr~ssjYE2plg.O to help shore up our state's economy by helping Californians stay in their homes. His proposal would bring down foreclosure rates by helping both borrowers and lenders modify existing home loans in ways that benefit both parties. Also, to prevent another mortgage crisis in the future, the Governor is prescribing changes to the way mortgages are brokered and originated to make lenders more accountable, guard against risky mortgages and prevent unsustainable bubbles from ever arising again. Governor Schwarzenegger has also unveiled a plan of targeted actions that will stop our economy's downward spiral now. His prescription is full of specific actions to generate jobs, keep jobs and businesses that are tempted to leave in California and lure those that have left back to the Golden State. The major elements of the Governor's plan are workplace reforms to assist California businesses and put an end to costly lawsuits and clearing regulations in order to push specific funding that is already "in the pipeline" out into the economy sooner. http:// gov .ca. gov lindex. php? Ipress- releasel 1 09661 MORE RELATE RELEASES 12/1/08 - GOY. Scll WCi r;zE2IlE2gge l..egislglLJreinto Specigl Session Sp~cigJnS~ssion StglE2'sEconom 11/21/08 - Gove 8l.Jsin~ssAdYoc Policy R~comrnl Conference on ~ &uEntrepr~n~LJr~ PCirticipgnts 11/21/08 - GoV. SCl1wg.r;z~m~gge $15 MilliQoJnJo Gmnts to Assist Workers Impgct ECOIlOmiG...Oowr 12/5/2008 Governor Schwarzenegger Announces Plan to Address Budget Emergency, Stimulate California's Econ... Page 3 of 4 The Governor's plan to stimulate employment in our state includes: . Accelerating hospital construction to inject approximately $160 million into California's economy. . Pushing out and expediting infrastructure bond monies to create jobs and help unemployed residential construction workers in the hardest hit areas of the state get trained in a new type of construction. . Keeping high paying jobs in California by providing overtime exemptions and allowing more flexible work schedules to increase productivity. . Clarifying meal and rest periods to save businesses hundreds of millions of dollars in litigation costs and create less confusion from meal break violations which will mean fewer terminations. . Reducing barriers to public-private partnerships and "design-build" agreements to enable more infrastructure to be built better, faster and cheaper and generate more jobs during the housing downturn. . Keeping television and film production in California by providing targeted tax credits and keep thousands of jobs in the state and economic output in our state. Governor Schwarzenegger also unveiled a plan to continue to help those Californians most in need by ensuring benefits for the state's unemployed through restoring solvency to the unemployment insurance fund. The financing system for the trust fund is over 20 years old - and while benefits have increased, contributions have remained the. The fund is projected to be $2.4 billion in the red for the coming calendar year and $4.9 billion in the red in 2010. If no changes are made, federal taxes for California employers will increase in 2012. To shore-up the fund and protect benefits to unemployed Californians, the Governor has called for a gradual increase in contributions into the fund, combined with a small reduction in benefits in order to maintain the fund's solvency. In an effort to avoid the extreme revenue swings that have caused crippling deficits in our state, the Governor and legislative leaders last week C::l.nnQLJnG~<::l the long-term action of creating the bipartisan Commission on the 21st Century Economy to re-examine and modernize California's out-of- date revenue laws that contribute to our feast-or-famine state budget cycles. The commission will suggest changes that will result in a revenue stream that is more stable and reflective of our economy while maintaining a fair and equitable revenue structure that will ensure our continued competitiveness and attraction to employers and workers. http:// gov .ca.gov lindex. php? Ipress- releasel 1 09661 12/5/2008 Governor Schwarzenegger Announces Plan to Address Budget Emergency, Stimulate California's Econ... Page 4 of 4 TextnVeIsioo I EmgjJ JheGovemQI I EmainL81edSmlInteroshipmPrQgrgm I TecbnigglmCQntaGt I BSS Feeds I Site Map I Priygcy POliCY I CQOditioosQfl,.Jse CASlatenHQmepage @ 2008 State of California http:// gov .ca.gov lindex. php? Ipress-releasel 1 09661 12/5/2008 - --.'--..--__.____.___.___.__..,_.____....___._0_._._._'".___..""_.__._______._".__~__._______._.__,__~..___~_.__.__.._..__.....__________..".,__.__....._....__..._._ . Special Session Proclamation 11/06/2008 - Proclamation by Governor Arnold Schwarzenegger . Office of the Governor FtR"'~OLD SCHWARZENEGGER THE PEOPLE'S GOVERNOR Page 1 of 2 Home About Arnold About Maria Newsroom Multimedia Issues 810g Interact Appointmen' 11/06/2008 Print V€?rl5iQIl Special Session Proclamation 11/06/2008 PROCLAMATION by the Governor of the State of California WHEREAS, an extraordinary occasion has arisen and now exists requiring that the Legislature. of the State of California be convened in extraordinary session. NOW, THEREFORE, I, ARNOLD SCHWARZENEGGER, Governor of the State of California, by virtue of the power and authority vested in me by Section 3(b) Article IV of the Constitution of the State of California, do hereby convene the Legislature of the State of California to meet in extraordinary session at Sacramento, California on the 6th day of November 2008, at a time to be determined, for the following purpose and to legislate upon the following subjects: 1. To consider and act upon legislation to address fiscal and budget- related matters. 2. To consider and act upon legislation to address the economy, including but not limited to efforts to stimulate California's economy and create and retain jobs. 3. To consider and act upon legislation to address the housing mortgage crisis. 4. To consider and act upon legislation to address the solvency of the Unemployment Insurance Fund. http://gov.ca.gov/proclamation/l 0971/ RELATED CONTE~ ... Press Relea: ... Governor's' ... Fact Sheet ... Photo Essa~ ... Video PHOTO ESSAY CLICK TO ENLARGE MORE BUDGE" PROCLAMA TIC MORE JOBS & ECONOMY PROCLAMA TIC 12/1/08 - Fiscal prQcla.mation 1 ~ 12/1/08 - Specie Procla.ma.tion 1 ~ 12/5/2008 Special Session Proclamation 11/06/2008 - Proclamation by Governor Arnold Schwarzenegger IN WITNESS WHEREOF I have hereunto set my hand and caused the Great Seal of the State of California to be affixed 6th day of November, 2008. ARNOLD SCHWARZENEGGER Governor of California ATTEST: DEBRA BOWEN Secretary of State EJT]ailJoeGQvemo[ IEITlaiLAlerl$IIDteJo$bipmPrQgraJT] I TechnigalCQolacl I RSSEeeg$1 SiteM~Q I PriyagYPQ!icy I C_QngitiQO$ot U$e CA.State.HQmeRage @ 2008 State of California http:// gov .ca. gov Iproclamationl 1 09711 Page 2 of 2 12/1/08 - Prop 5 Se$$iQnPrQglar 1210112008 06/1/08 - June ~ California Milk ~ 12/5/2008 ..&: STATE BUDGET 2008-09: SPECIAL SESSION UNPRECEDENTED DECISIONS IN AN EXTRAORDINARY SITUATION SUDDEN CHANGES IN OUR ECONOMY DEMAND A COMBINATION OF DIFFICULT CUTS AND NEW REVENUES Economic conditions have deteriorated radically since the Governor signed the 2008 Budget Act on September 23. The volatility in our nation's financial markets has affected our budget - which is too reliant on Wall Street gains - to a point where the state faces the very real possibility of running out of the necessary cash to meet all its obligations. Critical state services could be jeopardized. California is facing a hole of $11.2 billion in lower revenues than when the state budget was signed just six weeks ago. To remedy the urgent situation, the Governor is prescribing a combination of cuts and revenue increases - all of which must be taken as quickly as possible to prevent a cash crisis and an even larger budget problem next year. BUDGET SOLUTIONS Necessarv Budl!:et Adjustments: With $11.2 billion less revenue that we anticipated just six weeks ago, it is necessary to immediately make cuts to our budget. The Governor is proposing $4.5 billion in cuts to the current- year budget. All of the cuts are painful, but essential to ensure the state can protect vital services. The major budget adjustments are: > Proposition 98 Education Funding. Because education funding is based on revenues, and revenues have fallen, funding to the Proposition 98 guarantee also drops. The Administration proposes total Proposition 98 expenditure reductions of $2.5 billion, which keeps education funding at approximately $122 million higher than the minimum guarantee. > Higher Education. $132 million in reductions are proposed for higher education segments, including $65.5 million to the University of California system and $66.3 million to the California State University System. > Supplemental Securitv Income/State Supplementarv Pavment. Reduce SSI/SSP grants to the federal minimum effective March 1,2009, which would result in General Fund savings of $348.9 million in 2008-09 > CalWORKs. Modifying the Safety Net program, making certain benefits consistent with other CalWORKs benefits, instituting a face-to-face self-sufficiency review every six months for some CalWORKs families, and reducing CalWORKs grants by 10 percent effective March I, 2009, would result in General Fund savings of $273.9 million for the current fiscal year. > Employee Compensation Changes. Requiring state employees take a one day furlough each month, eliminating two state holidays (combining Lincoln and Washington days into Presidents Day, and Columbus Day) and premium pay for hours worked on all remaining holidays, as well as eliminating the ability to count leave time as hours worked when computing overtime will result in General Fund savings of $320 million in the current fiscal year. Additionally, the Governor proposes changes that would give state agencies the ability to establish a ten- hours-per-day, four-day workweek. > Department of Corrections and Rehabilitation (CDCR): To realize saving in corrections, the administration proposes implementing parole reforms that protects public safety while cutting costs. This will be done mostly through parole reforms where high risk offenders who have committed serious, violent, or sexual crimes receive full supervision on parole while low-risk non-serious offenders receive no parole supervision after their release from prison. These reforms will save $78.1 million in 2008-09 and $677.6 million in 2009-10. > Public Safety Grants: By proposing a funding realignment for public safety grants we are protecting funding for core public safety activities while realizing General Fund savings of $250 million in 2008-09. Booking fees, the COPS and Juvenile Justice programs, and juvenile probation would receive stable, non-General Fund support going forward. > Medi-Cal. Reducing California benefits to the level provided in most states, and ceasing to provide some optional benefits for adults will keep California providing more optional benefits than most states and will save the General Fund savings $41 million in 2008-09 and $129.9 million in 2009-10. Page 1 of 2 A Revenue Problem: While Governor Schwarzenegger has worked to fix the state's spending problem, and has kept state spending relatively flat for the past three budget cycles, the dramatic drop in our revenue projections over the past six weeks presents an extraordinary situation which, combined with the volatility of our tax system, creates a revenue problem. Raising taxes is never a good idea, but in this extraordinary situation, there is no question that new revenues must be brought into the state to protect education and vital services. The Governor is proposing $ 4.7billion in new revenues for the current budget year in the form of: ~ A Temporary Sales Tax Increase: A temporary increase in the state sales tax (from 5 percent to 6.5 percent) will generate additional sales tax revenues of $ 3.5 billion in 2008-09 for the General Fund. It will also effectively protect significant education funding. At the end of three years, the state sales tax would revert to 5 percent. ~ Broadening the Sales and Use Tax to Include Certain Services: Effective February 1, 2009, the sales and use tax rate will be applied to appliance and furniture repair, vehicle repair, golf, and veterinarian services. Effective March 1,2009, the sales and use tax rate will be applied to amusement parks and sporting events. This is expected to generate additional General Fund sales tax revenue of $357 million in 2008-09. ~ Oil Severance Tax: Effective January 1,2009, impose an oil severance tax upon any oil producer for the right to extract oil from the earth or water in this state. This brings California in line with other states. The tax shall be applied to the gross value of each barrel of oil at a rate of 9.9 percent and will generate additional tax revenues of $528 million in 2008-09. ~ Increase Alcohol and Excise Taxes: Alcohol excise taxes are proposed to be raised by five cents a drink beginning on January 1, 2009. This increase is estimated to raise $293 million in 2008-09. Revenues from this tax will be used to fund critical drug and alcohol treatment and prevention services. Alcohol taxes were last raised in 1991. Page 2 of2 . STATE BUDGET 2008-09: SPECIAL SESSION KEEPING CALIFORNIANS IN THEIR HOMES IMMEDIATE FORECLOSURE RELIEF AND LONG- TERM MORTGAGE REFORM To HELP STABILIZE CALIFORNIA'S ECONOMY California was hit hard when the national housing bubble popped, and the foreclosure crisis that ensued continues to negatively affect California's economy, its communities, and our budget. The single most powerful action the state can take to shore up its economy is to help Californians stay in their homes - and Governor Schwarzenegger is presenting a plan to do just that. Stemming the increase in foreclosures will help save jobs, businesses, and revenue for both the state and local governments. The Governor's plan is an aggressive effort to bring down foreclosure rates by helping borrowers and lenders modify existing home loans in ways that benefit both parties. Also, to prevent another mortgage crisis in the future, the Governor is prescribing changes to the way mortgages are broke red and originated to make lenders more accountable, guard against risky mortgages, and prevent unsustainable bubbles from ever arising again. Keeninl!: Californians In Their Homes Todav: Keeping families in their homes is the single most powerful action we can take for our ailing economy - and our economy demands we take that action now. Working to help California families to stay in their homes will curtail an excessive downward spiral of home prices, free up cash for other expenditures, improve the fortunes of lenders and make an immediate positive impact on our economy. . California's housing prices rose too high during the bubble and now they threaten to fall too far, putting families, communities, businesses and governments in jeopardy. . Stemming the foreclosure rate will curb job losses and help maintain vital property tax revenues for local governments. . Reducing foreclosures will stabilize neighborhoods and curtail negative effects on nearby homes. Because when your neighbor is foreclosed, your home's value plummets too. . Successfully modifying loans allows homeowners to ride out today's depressed prices and lenders to reap a better return. The Governor's plan improves upon other foreclosure-relief programs by incentivizing loan modifications. To reduce foreclosures and encourage loan modifications, the Governor proposes: ~ A 90-dav stay of the foreclosure process for each owner-occupied home subject to a first mortgage on which a Notice of Default has been filed. ~ A "Safe Harbor" under which lenders will be able to exempt themselves from the 90-day stay procedure if they provide evidence to the state that the lenders have an aggressive modification program in place. An "aggressive modification program" is one designed to keep borrowers in their homes where doing so will ultimately bring investors a better return than simply foreclosing and selling at a loss. . Loan modification Model: modifications will be based on a 38% housing debt-to-income ratio so that the modified loan is sustainable for the homeowner. The lenders can achieve that 38% level by invoking some or all of the following modification plans: (1) reducing the interest rate to a lower rate for five years or more; e.g., to a rate as low as 3%; (2) increasing the amortization of the loan to 40 years from the start of the amortization period; and (3) deferring some amount of the unpaid principal balance to the end of the loan term, so that the borrower will repay that amount upon refinancing or sale of the property. . These actions will reduce monthly payments by 25-30% Page 1 of 1 11/04/2008 Fighting for emergency economic relief dollars to help keep Californians in their homes. Additionally, the Governor will continue to advocate that the federal government use a portion of the $700 billion Troubled Assets Relief Program to buy up and modify troubled home loans or to guarantee modified home loans. A Summit on Housing: · The Governor will also convene a housing summit to further craft modification and foreclosure abatement solutions. Preventine: Another Morte:ae:e Crisis: The Governor's plan ensures more responsible lending to help prevent Californians from ever again being victimized by unsustainable loans. In order to prevent a future mortgage crisis, the Governor prescribes a set of proposals, including: · The state (Department of Real Estate and Department of Corporations) will now be able to enforce federal laws and regulations such as the Truth in Lending Act and others, and to discipline real estate licensees who violate those laws and regulations. · Lending practices will be reformed to protect borrowers by I) expanding fiduciary duties for mortgage brokers so that borrowers can be assured they are getting a loan that suits their circumstances, and 2) penalizing lenders who make false or misleading statements. · Licensing requirements for loan originators will be increased and standardized. · California will contribute to a national database for the public to access license status and disciplinary records of all loan originators to prevent dishonest originators from victimizing consumers. · Pre-counseling interviews will be required for borrowers entering into risky "non-traditional" mortgages, as defined by the federal government, to ensure they understand and accept the terms to which they are agreeing. The Governor's mortgage plan also includes: · Urging the federal government to require loan originators to retain a portion of the loan risk to encourage sound underwriting of loans. · Encouraging the federal government to promote the use of "covered bonds" which allow lenders to securitize loans but require them to retain those assets on their balance sheets. This Prescription Builds On The Governor's Previous Actions To Help Stabilize California's Housine: Market · Signed legislation to help protect homeowners by requiring a mortgage holder to provide a 30-day notice to a borrower prior to filing any default notice leading to the foreclosure. The new law also provides tenants of foreclosed properties a minimum of 60 days notice to move and requires holders of foreclosed properties to maintain the property. · Announced an agreement with maior loan servicers to streamline the loan modification process for subprime borrowers living in their homes. · Launched a $1.2 million public awareness campaign to help educate homeowners about options that can help them avoid losing their homes to foreclosures. · Established the Interdepartmental Task Force on Non-traditional Mortgages to ensure a comprehensive and coordinated approach to the issues raised by subprime loans. · Announced $5.6 million to help mortgage and banking industry workers laid off as a result of the subprime crisis make career transitions to high-demand jobs in other industries. · Joined the OneCalifornia Foundation to announce a bridge loan fund for homeowners facing foreclosure in Oakland. · Awarded $8 million to community based mortgage counseling providers around the state to help avoid foreclosures. Page 2 of 1 11/04/2008 .' . STATE BUDGET 2008-09: SPECIAL SESSION EMPLOYMENT STIMULUS FOR CALIFORNIA A SPECIFIC ACTION PLAN To GENERATE JOBS AND BOOST CALIFORNIA'S ECONOMY Now The crisis in our nation'sfinancial markets has compounded the difficulties California's economy is experiencing. The steep decline on Wall Street has caused our revenues to nose-dive and the budget we signed just six weeks ago to fall out of balance. In addition to advocating for a second federal economic stimulus package and taking action to keep California families in their homes, the Governor knows California needs immediate relief He has called a special session of the Legislature to pass a plan to invigorate our economy, and has prescribed an action plan of targeted proposals that will immediately generate jobs for California's unemployed and put real dollars into our economy now. California is suffering the serious effects of Wall-Street induced economic malaise and joblessness - generating jobs is the key to recovery. A housing market wrought with foreclosures, a slowing economy and a volatile Wall Street have created an unprecedented financial crisis that is taking a toll on hardworking Californians. ~ Our unemployment rate stands at 7.7%. ~ Our state accounts for nearly one-third of the nation's foreclosure activity each month. ~ Our outdated tax structure has created a feast-or-famine revenue stream that is currently starving our budget. Governor Schwarzenegger has a plan of targeted actions that will stop our economy's downward spiral now. Like his plan to stem the foreclosure rate and reform mortgage practices to keep California families in their homes now and in the future, the Governor's prescription for employment stimulus contains specific actions to generate new jobs, as well as keep existing jobs and businesses in California and lure others back to the Golden State. The major elements of his plan are: ~ Workplace reforms to assist California businesses and put an end to costly lawsuits. ~ Clearing regulations in order to push specific funding that is already "in the pipeline" out into the economy sooner. ProDosal Accelerate Hospital Construction: Streamline the permitting and review process for non- structural hospital construction projects under $2 million. This will reduce the review and construction permit time for already-planned projects from 10 months to as little as 2 weeks. Accelerate Bond Spending: · Push out the remaining $700 million in Proposition 1 B local streets and roads funds and $800 million for public transit. Pair it with $3 million in Workforce Investment . Act funds to local job training providers to help out-of- work housing construction employees transition into new streets and roads construction jobs. Also expedite nearly $1 billion in transportation and water infrastructure funds for specific projects that will get shovels in the ground and Californians into jobs this fiscal year. Provide Overtime Exemptions: · Exempt employees in executive, sales, administrative, Page 1 of 1 Stimulus . Immediately accelerate the injection of approximately $160 million of "in the pipeline" hospital construction projects into California's economy. . Provide a boost to employment in the California construction sectors. Create jobs; a conservative estimate shows that every $1 billion in infrastructure spending leads to 18,000 jobs. Will help unemployed residential construction workers in the hardest hit areas of the state get trained in a new type of construction. Keep high-paying jobs from leaving the state. (For every 10,000 jobs paying more than $100,000 1 0/29/2008 and professional jobs who earn more than $100,000 annually from overtime pay. Allow More Flexible Work Schedules: . Allow employees to work more flexible hours upon request, such as 10 hour work days for a 40 hour work . without being paid overtime. Clarify Meal And Rest Period Laws: . Clarify existing law regarding meal and rest periods to provide employers and employees with a clear . understanding of meal breaks and offering flexibility to both businesses and workers. Reduce Barriers To Public-Private Partnerships And . "Design-Build" Agreements: Take down barriers to public-private partnerships and "design-build" agreements to enable more infrastructure to be built better, faster and cheaper. Keep Television And Film Production In California: . Provide targeted tax credits from 20-25% to the film and . television industry to help keep production in California - focusing on new production and production returning to the state. I Page 2 of 1 . placed out of state, California's economy misses out on $1 billion in employee spending.) Save approximately $90 million per year 10 employee classification costs. Reduce absenteeism and boost productivity, which save employers real dollars. Raise employee retention rates, which will reduce claims on the Unemployment Insurance trust fund. Will save businesses hundreds of millions of dollars in litigation costs. Less confusion means fewer terminations over meal break violations and a more welcoming work environment. Will generate tens of thousands of construction jobs, and will particularly benefit those workers disproportionately affected by the housing downturn. . Keep thousands of jobs in the state. California's share of TV and film production activity has slipped from 66 percent to 31 percent in the past five years; this proposal would seek to bring back some of that share. Every $100 that is spent on production in California generates $285 in economic output. 1 0/29/2008 . STATE BUDGET 2008-09: SPECIAL SESSION ENSURING BENEFITS FOR CALIFORNIA'S UNEMPLOYED RESTORING SOLVENCY To THE UNEMPLOYMENT INSURANCE FUND WHEN WE NEED IT MOST Over the years California's Unemployment Trust Fund has helped millions of struggling Californians get through tough employment downturns and difficult transition periods, while also pumping billions of dollars into our economy. But now, when California needs both of those things most, the Fund is on the brink of bankruptcy. That's because while the state has increased the benefits provided to unemployed Californians, it has done almost nothing to increase the money going into the fund. This imbalance has caused the fund to atrophy in our current employment climate, as the unemployment rate has risen higher and faster than anyone predicted. Governor Schwarzenegger has a plan to rescue this fund and ensure it continues to help those Californians most in need. California's rising unemployment has placed unexpected additional strain on our already-strained Unemployment Insurance Fund - and without action the fund is projected to be insolvent beginning in 2009. Our unemployment rate has risen higher and faster than anyone predicted - and California's unemployment trust fund is quickly running out of money. > California's unemployment rate stands at 7.7 percent - much higher than projections made by both the state's Department of Finance and UCLA's economic forecasts. > The financing system for the trust fund is over 20 years old - and while benefits have increased, contributions have remained the same - and rising unemployment is placing unexpected demands on the fund. Maximum weekly payments have nearly doubled since 2001. from $230 to $450. and the percentage of a person's weekly wage they can receive in benefits has increased from 39% to 50%. > The Fund is proiected to be $2.4 billion in the red for the coming calendar year and $4.9 billion in the red in 2010. If no changes are made, federal taxes for California employers will increase in 2012. Governor Schwarzenegger has a solution to shore-up the fund and save it from bankruptcy - protecting benefits to unemployed Californians. The Governor is calling for a gradual increase in contributions into the Fund, combined with a small reduction in benefits in order to maintain the fund's solvency. The components of his plan are as follows: > Maintain payments to the unemployed in the short-term by taking out a federal loan. > Increase the amount in contributions employers make to the Fund by increasing the taxable wage ceiling from $7,000 to $10,500 and the maximum tax rate from 6.2 percent to 8.1 percent. The increased contributions will range from a minimum of $56 to a maximum of $416.50 per employee. > Slightly reducing benefit levels including lowering the replacement rate from 50 percent to 45 percent and increasing the minimum earnings requirement to file a claim from 3.5 weeks to 7.5 weeks in a year. Page 1 of 1 11/04/2008 . 2008 SPECIAL SESSION BRINGING CALIFORNIA'S REVENUE SYSTEM INTO THE 21sT CENTURY BI- PARTISAN COMMISSION WILL ADDRESS OUR CHRONIC BUDGET PROBLEMS BY MODERNIZING OUR STATE'S REVENUE LAws Today Governor Schwarzenegger signed Executive Order S-12-08 to create the bipartisan Commission on the 21st Century Economy to re-examine and modernize California's out-of-date revenue-gathering laws that contribute to our feast-or-famine state budget cycles. This 12-member commission to be made up of legislative and gubernatorial appointees will suggest changes that will result in a revenue stream that is more stable and reflective of our economy. This is long-term action that will help avoid the extreme revenue swings that cause crippling deficits while maintaining a tax structure that will ensure our continued competitiveness and attraction to employers and workers. California's antiquated revenue system is a major contributor to our feast-or-famine budget cycles. Our tax system has not been restructured in over 80 years even though our economy has changed dramatically. ~ 50 percent of California's personal income tax revenues come from just 1 percent of residents. That's fewer than 150,000 taxpayers, and much of their income is based on volatile investment income - so when their income dips the state's tax revenues fall too. ~ When Wall Street sneezes, California catches a cold. Nearly 15 percent of our revenue comes from capital gains- meaning the turmoil on Wall Street brings pain straight to Main Street, California. In contrast, the state of Washington is proiecting a revenue shortfall of less than 1 %, while our state may face a shortfall of nearly 10%. The difference is that our state's tax revenues reflect Wall Street's economy more than California's economy. This annual uncertainty makes it difficult to fund government operations year-to-year. Boom years produce more spending than can be sustained in bust years, putting state services in constant annual jeopardy. ~ Such a volatile revenue stream is unacceptable for California's 38 million residents who rely on a stable funding for a host of state-funded programs. We need a revenue system as diverse as our economy. Unlike our budget system, California has one of the most diverse economies in the world. A tax system as diverse as our economy would produce stable revenue. ~ An improved revenue-gathering system would decrease the pressure for future tax increases to address revenue shortfalls, which will continue to occur if the volatility of our tax system is not reduced. ~ A tax structure that better reflects California's economic strengths could actually grow the economy. For example, reducing the corporate income tax would boost hiring, creating jobs. Executive Order S-12-08 immediately establishes this bipartisan Commission on the 21st Century Economy to modernize and decrease the volatility in the state's tax system. The Commission will make recommendations to bring our tax system into better alignment with our modem economy and to improve the state's economic competitiveness. ~ The commission will have 12 members, six appointed by the Governor, three appointed by the Assembly Speaker and three appointed by the Senate Pro Tempore. ~ The commission members will receive no compensation. ~ They will create a road map toward a more reliable revenue stream that is more reflective of today' s economy - to be unveiled on or before April 15, 2009. Page 1 of 1 1 0/29/2008 GOl1ernor AQJ10unces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor ... Page I of 23 . Office of the Governor ARNOLD SCHWARZ EN EGGER THE PEOPLE'S GOVERNOR Home About Arnold About Maria Newsroom Multimedia Issues 810g Interact Appointmen' Thursday, 11/06/2008 E'[intV~n:;iQn Il;mc:liII$bc:lr~ Governor Announces Plan to Address Budget Emergency, Stimulate Economy GOVERNOR SCHWARZENEGGER: Good morning, everybody. First of all, I want to say thank you very much to Mike Genest, David Crane, Susan Kennedy, Will Kempton, Lester Snow and Preston DuFauchard for helping us put this special session together. Today I want to talk to you about the special session of the legislature that I have proposed and what 11m trying to accomplish here. As all of you know, the economic conditions have been deteriorating rapidly all around the world, across this country and also here in California. In the six weeks since I have signed the last budget the mortgage crisis has deepened, unemployment has increased and the stock market has lost more than 20 percent of its value and I know how painful this is to everyone here in California. Many Californians have lost their homes, they have lost their jobs, retirement funds have disappeared and everyone is worrying about the future. All of this negative news, of course, has had a dramatic effect on our revenues of our state government and also because California is overly dependent on income tax from capital gains. Making matters worse, the http://gov .ca.gov/index. php? /speech/1 0973/ RELATED CONTE~ ... Press Releas ... Fact Sheet ... Photo Essay ... Video ... PDF - Mortg. Foreclosure ... PDF - Cuts 8 ... PDF - Emplo Stimulus ... PDF - Cuts 8 ... PDF - Comm 21 st Century E PHOTO ESSAY CLICK TO ENLARGE MORE RELATE 12/1/08 - Goven 12/512008 Gm/ernor f.\nJIounces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor... Page 2 of 23 state unemployment insurance fund is on the brink of insolvency. So, we don't have the luxury of waiting for January when I make my budget proposal or hold my State of the State Address where I point out my vision, or the goals that I have. We have a dramatic situation here and it takes dramatic solutions and immediate action. We must stop the bleeding. People expect leadership and they expect us all to work together, if it is the federal government or the state, if it is Democrats and Republicans, government and stakeholders, everyone here has to work together. I've been meeting regularly, as you know, with the legislative leaders and we have had Big Five Meetings, good, constructive Big Five Meetings and everyone agrees that it is necessary to have this special session. Now, here are the four problems that we want to tackle here: Number one is closing a projected current year shortfall of $11.2 billion, caused by the stock market, the real estate meltdown and by higher unemployment. It would be irresponsible to close this, of course, all by just cuts, so therefore I recommend a combination of reductions in programs and also an increase in revenues. The reduction in this year will be a total of $4.5 billion across the variety of different programs, from education to prisons, from health care to social services and so on. And when it comes to additional revenues, I propose raising $4.4 billion in the current year through a temporary 1.5 percent sales tax increase and other revenue generators that Mike Genest will be talking about later on. With an unprecedented drop in our revenues, we absolutely have no choice and we cannot delay or push the problem until the next year because we're going to run out of cash by the end of February and then we will be unable to meet our obligations. Now, number two is the mortgage crisis. Nothing will stimulate our economy and bring it back quicker than creating a stable housing market and keeping people in their homes. That's why we want to build on actions that we have already taken in this past year and this year, like last year's first-in-the-nation loan modification agreements that we helped broker between loan services and homeowners. And also we signed Senator Perata's bill, SB 1137, which was last July, which requires lenders to contact homeowners and explore loan modifications before foreclosure. Our actions have actually helped to keep 125,000 people in their homes but of course the crisis got worse and there we need additional action now. In the special session we will introduce legislation to keep even more people in their homes through a gO-day grace period of delay in foreclosure teamed with an incentive to make mass modifications of home loans. http://gov .ca.gov/index. php? /speech/ 1 0973/ L..egi~latLJre Into Special Session 11/18/08 - Gave First-r::verConfE f3l.1siness& Entr 11/12/08 - Gave Greate r.. Fresl10 CommerceCou 12/5/2008 Goyernor An.nounces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor ... Page 3 of 23 Those modifications will reduce monthly mortgage payments for tens of thousands of at-risk homeowners by 25 to 30 percent. Through interest reductions, extended amortization periods and deferral of principal. I also will use my bully pulpit to push the federal government to modify more home loans by using the $700 billion of the federal rescue plan that Congress has approved. Number three is our economic stimulus package to help retain existing jobs and to create as many new jobs as possible. There are a number of steps that we can take. We have talked about that in the past, how we use infrastructure bond money, to push it out as quickly as possible. Here are some addition ideas: We want to expedite $204 million in funding from our water bonds to improve our water quality and to protect water supplies. In transportation, for instance, we can appropriate more than $700 million in existing bond funds from what I call our 'Pothole Account'. Using workforce development money is also very wise in this case, because we would train the unemployed to take those local construction jobs. We can also expedite $800 million in transit projects up and down the state of California. We would accomplish this by exempting the bond projects from CEQA, or in its national equivalent, NEPA, if federal money is involved. I'm not proposing that we change CEQA, by the way. I'm remaining 100 percent committed to protecting California's environment. But during this severe economic crisis, I think we have to be creative here. We must do everything that we can to stimulate our economy and to put people back to work. California families and our state need this help and it would be irresponsible to do otherwise. That's why we're also proposing to expedite the permit and plan review for hospital construction. By cutting the red tape for relatively small renovation work we can speed up 500 hospital construction projects worth an estimated $164 million dollars. I look forward to working with OSHPD, the Office of Statewide Health Planning and Development, to make all of this happen. As another part of our stimulus package, we also want to clarify and reform our labor laws and encourage job retention and creation. We should take advantage of the billions of dollars in potential savings to California businesses by allowing flexible work schedules that help employers and also help the workers. And number four is fixing the state's unemployment insurance fund. At a time when we need it most because more and more people are seeking http://gov .ca.gov/index.php? /speech/1 0973/ 12/5/2008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor... Page 4 of 23 work, that's exactly the time we are running out of funds now. It is facing insolvency because of actions that were taken by previous administrations, which is to increase the benefits without increasing the funding. So this is a major problem. Eventually something like this catches up with you and it did catch up with us now. I also will continue to push, of course, the federal government to further extend unemployment benefits for those who are seeking work. But, you know, the fact is that we have to straighten out our California system as quickly as possible so there will be money available for those that are unemployed and need work and need money. Now, there are three ways, of course, to go about solving this problem. One is to put the burden on employers, which I will not recommend, or to put the burden on the employees, like cut benefits for the unemployed; I will not recommend that either. Or, we meet in the middle where everyone has to give a little bit. I'm asking businesses to gradually pay more while we tighten eligibility and benefits slightly. Of course, if we take this action and do all of the things that I have just proposed, we will solve our revenue shortfall, get the people back to work, keep people in their homes and keep our unemployment insurance fund solvent. So here is a big urgency, because as I have said, that we cannot wait any longer. Our problems will get worse. As a matter of fact, Eleanor Roosevelt once said that the things that we refuse to meet today always come back at you later on, usually under circumstances which make the decision twice as difficult as it was originally and this was actually said exactly for our circumstances that we are in today. So, I look forward to working with the legislators, hearing all of their ideas and doing what is best for the people of California. We must all remember that California never stays down long. This is the greatest state in the greatest country in the world. We have the most talented people, the most innovative people, the hardest working people and the most diverse economy. There's no doubt about it, that we'll be back. Thank you very much. Now, if you have questions, please feel free. QUESTION/ANSWER: QUESTION: Governor, you haven't talked about the idea of a sales tax increase in the presentation you just made, though we know you're proposing a sales tax increase. GOVERNOR: Maybe I have not made it clear but I did talk about a sales tax increase of 1.5 percent. QUESTION: I just wonder if you could talk about the sales tax for a http://gov .ca.gov/index. php?/speechll 0973/ 12/5/2008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor... Page 5 of 23 moment. You know, a lot of budget experts say it's the most regressive tax, that people who have the least amount of money are getting hit the hardest. Why do that, then? GOVERNOR: QUESTION: in the mixture? GOVERNOR: QUESTION: GOVERNOR: We feel very comfortable that this is the best tax to use. And there will be additional fees and taxes that Mike will be talking about. But like I said, this is the best way to go and we have to not delay it. I think now is the time for action. I think there are a lot of people in California that are hurting. People need jobs. We need to protect education, we need to protect also law enforcement and some of those programs. This is why I will not recommend to take this $11.2 billion and make it all in reductions of programs. But we need to raise our revenues. Governor, any more state employee layoffs or pay cuts Well, there are various different things that Mike will be talking about also, about a furlough and where we have one day a month of state employees, they will not work and different ideas like that where we can cut down the costs of government and also in the various different agencies. So we are looking at a whole variety of different things that we want to work together with the legislators in order to get this done. I think the important thing here is we can give you all the details but I think that the most important thing here today is that the legislators take this seriously, that we don't delay it, that we create the action so that we put people back to work as quickly as possible in California and we keep families in their homes and that we deal with the budget crisis that we have, which is a shortfall of $11.2 billion and that we do that with a combination of revenue increases and reductions in programs. What's your deadline for getting this done? Well, as you know, that the legislature is termed out and this session basically will be over by November 30th, because by December 1 st the new legislators will be sworn in. So I think that it's actually good that there's a deadline like that, because I think it makes everyone speed up and take it seriously. And I tell you one thing, that the meetings that I've had http:// gov .ca.gov lindex. php? Ispeechl 1 09731 12/5/2008 --'-,- -.,-."------,-"-"-.-..-~""-.-.~.------.~-..--.------.~"--"-"-"'-.'-'~""'-'."~""-'--"-'---'---"._----"--_.________..__,___.,___W_.M___".'~__..___+_._._"_,,___,,____..,._._.,___."___._.__"_,____.__,__.~._..,.._, Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor ... Page 6 of 23 QUESTION: GOVERNOR: QUESTION: GOVERNOR: with the legislative leaders were really good meetings. I think that everyone, across-the-board, Democrats and Republicans, recognize the severity of the problem, they recognize that this is something, a phenomenon, this is all over the country and all over the world. There are many states that are in special sessions right now. There are states that are dealing with it in different ways but everyone is facing this crisis. And I think California is actually -- you know, even though we get hit more than any other state, because everything is always more magnified here in California -- but we are also very good to come to the table and to fix those problems. So I have total faith in our legislators, that we will fix all of those problems and we'll get the economy going again and people back to work. Yes? Governor, could you talk a little bit about which environmental regulations you plan to relax? You talked about protecting CEQA but you didn't go into any specifics on the environmental rules. Could you provide us with the details? We have Will Kempton here who can then take you through that. You can ask him about all of that, okay? So he can take you through this. But it is just during that period and it is just for specific projects, because we are not trying to change CEQA at all. CEQA is a very, very good and powerful thing that protects the environment and we want to keep committed to that. It's just to kind of relax it during a certain period of a certain project, so that's the idea. Yes? I see you have a $12 increase in the car tax. Was that a particularly difficult decision for you to make? No, not at all. I think that -- you can't single out one thing and say that this is more difficult than this. To me, all of those things are very difficult decisions to make. They all get grouped together. When you talk about trying to keep people in their homes, it's very difficult to find exactly the right way to go and do that. If you try to create extra revenues ifs very difficult to do that, because 11m not a believer in taxes, I'm not a believer in increasing fees. It's just under these circumstances it's necessary to do. I also don't believe in taking a penny away from any of the programs but it is necessary to do that, to live 12/5/2008 http://gov.ca.gov/index. php? /speech/l 0973/ "_.~_._.~,----,.__._-~-_._--_._._._--,._---'~-"_._-----'--'---'---'"""--'--"--""-'~'-"-"- Governor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor ... Page 7 of 23 within our means. But I also want to say, when we talk about living within our means, we say many times that we have a spending problem, not a revenue problem. It just has happened this year that it actually has switched, that because of this tremendous drop in revenues, it is now a revenue problem rather than a spending problem, because our spending in this state has not increased now for years. We have been very steady and we have been very fiscally responsible in this state, when you look at the numbers. It's just that the revenues have dropped so rapidly, because as I have said, we are relying so much on income tax from capital gains that we have this odd kind of a thing where the economy is flat but our tax revenues are decreasing by 10 percent. And I think this is why I have these kind of grafts here. If you look at this here, this is a graft of the economy, of the economy, which is rolling hills. Over here, look at this. This is what our tax, our income tax on capital gains looks like. So, as you can see, it doesn't make any sense. And I think this is why we have, with the legislative leaders, now proposed and have created a commission that is going to study this system. How do we create our revenues that match our economy, rather than to match Wall Street? Because this is what this is. And so we have to change that tax system. It's an old, outdated system. And I have been talking about this for a year and finally we got our act together that we are creating a bipartisan commission to study this and within the next few months that we have then some direction from them, how do we move forward and create stability. Not so much to look at more revenues but just how do we take this and make it more like this, so we can deal with it. Because with the combination of making the changes with our tax system and also with the rainy day fund and being able to make mid-year cuts, we should create great stability in this state when it comes to revenues. QUESTION: Governor, would you consider restoring the VLF tax? There is talk about that now among Democratic leaders. GOVERNOR: I think that would hurt the economy too much, because as you know, we have a severe drop in cars right now, which is more than a 30 percent drop and the car http://gov .ca.gov/index. php? /speech/l 0973/ 12/512008 Governor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor ... Page 8 of 23 companies and everyone are really hurting right now. And I remember when we introduced the last time the illegal Vehicle License Fee and we saw a huge plummet in the car business. The car business took a huge dive and no one wanted to buy cars, so I don't think that we should go there. I think what we have proposed here is a good proposal that will take care of, like I said, to deal with the $11.2 billion shortfall in revenues this year and also will create an economic stimulus package to put people to work and to keep people in their homes. And I think that if we solve also this problem with the unemployment insurance, like I said, because there were benefits given but without any additional revenues and you can't do that. So it eventually catches up with you and I think we have to deal with it now and I think with the combination again where you meet in the middle, where everyone takes a little hit, I think is the way to go. Yes? You have been waving a lot. QU ESTION: GOVERNOR: QUESTION: GOVERNOR: Yeah. (Laughter) I thought you were ignoring me. Yeah, okay. You still have the two-thirds problem. You could not deliver the Republican votes last time for a tax increase. What makes you think, even given this deadline, you can deliver Republican votes this time? I think that we have two changes here. One is that we are now after the election, which makes it easier to deal with those kind of things. And second of all, we are living in a different world now. I think what has happened since we have done the budget in our economy, in the stock market and worldwide, has been a huge shift and I think that our economy has come down considerably because of that now, revenues have come down considerably. When you see a drop of $11.2 billion because of this problem here and because of our stock market and we are relying so much on capital gains, I think that everyone here has gotten a wakeup call, that this is not just where we can debate something. We are running out of money. QUESTION: Could you elaborate on the first one? What do you mean, the elections? http://gov.ca.gov/index. php?/speech/ 1 0973/ 12/5/2008 "~-'-"-'---""""'~--'~'--'-"""'_._-_.,---- ~._----,._,_.. ____.,._._._._.__,._.,___~,.__w."..,..__._.,".._..._,..___~._.______..,_._ _."__.n__._.....,.,_.__'_...._.__...__.___...____......... Governor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governor ... Page 9 of 23 GOVERNOR: QUESTION: GOVERNOR: Genest, please. Before elections, I think that it's very difficult for some people to make decisions, because remember, we are still in a profession here where getting elected sometimes is more important than really doing something what is right. So it's just the way it works in politics, sadly but that's the way it is. And so I think that after the election there is more will there and therefore we have a much better shot of getting this done. Governor, in 2006 you opposed the oil severance tax, I believe, it was on the ballot. And this time, you're proposing raising or adding an oil severance tax. Do you have any concerns this will lead to higher gas prices, hurt the economy at a time the economy is struggling here? Oh, we have been concerned about all the different effects that all of those things have, what effect it has when you decrease education spending, what effect it has when you increase sales tax, what effect it will have when you run out of unemployment insurance funds, all of those things. Yeah, we have looked at that. But I think, like I said, this is a different now, two years later and that's why we have to really make drastic -- a drastic situation like this takes drastic measures and it needs to take those measures right away. That is the important thing. Thank you very much, everybody. And now Mike DIRECTOR GENEST: We're going to try to do this in two steps, since obviously you're going to have a lot of questions about the budget itself but there are also other issues that are proposed in the special session. So we have other officials of the administration here to answer questions. We thought we'd try to start with the budget questions, get that out of the way. Our experts from the Department of Finance will be here. They'll be answering some of your questions. And when we're done with the budget segment they'll go back over to the Department of Finance conference room. If any of you have more detailed follow up questions for them, they will be available over there immediately after this. So let me just start by just reiterating something the Governor said about the urgency of our current situation. You can see, this chart here shows the loss in revenue that we are now projecting and that is a precipitous drop in our revenue. Focusing on this year, we go from 101 to 91 and you've got some http://gov .ca.gov/index. php?/speech/l 0973/ 12/5/2008 Go.vernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 10 of 23 other things in the prior year that adds up to the 11.2, or 11.3 that the Governor was mentioning. That is a monumental change in just a few weeks. It was only a couple of weeks ago when we were saying the drop would be about 3 billion and then after projecting that, you can see what happened. This is not the economy but this is the stock market. And we signed the budget, the Governor signed the budget in here. So we were taking this into account a little bit. The budget was mainly based on our forecast from May. But after the signing of the budget we realized things were going a little south on us. We did a preliminary estimate of about a $3 billion shortfall. And then, in the month of October, everything just went nuts. And I think the stock market is the best way to show that. That is what's driving, the biggest single reason for this drop in revenues is the drop in the capital gains estimate and that is being driven primarily by that stock market result. It all happened in the last couple of weeks. So we're in a crisis situation, it demands quick action. And it's not just demanding quick action because we'd like to fix our budget, it's a lot more real world than that. We are now projecting that we will run out of cash -- well, we're going to get uncomfortably low next month but we can probably make it through next month. But in February and March, we'll be out of cash. Now, that doesn't mean that we would stop paying every bill. Of course, there are a lot of priority payments like debt service on bonds, school payments and so forth, we will continue to pay in any event. But that means that if we do nothing there will be people who are owed money by the state and that we're not going to be able to pay them. So there is really no alternative here than to take quick action. I would also say that often we are able to sort of paper over, or accommodate these kind of shifts with some temporary type moves. We're not able to do that this time. We've looked at our options. We don't have very many options and they're not adequate to solve this problem. We have to change the spending and we have to change the revenue and that's what the special session budget proposal would do. If you look on page 3, you'll see an itemization of all of these changes in the budget and it's broken down. You see the revenues are in one area and the spending cuts are in another. And for convenience, we've also shown the kinds of changes that we have already put in place in the enacted budget and you can see that -- if you just look at the special session, about 51 percent of what we're proposing to do to fix the budget is in the area of revenue increases and about 49 percent is in the area of spending reductions. But if you look across what we did in the Budget Act for this same year's budget, it's 40 percent revenue, 12 percent borrowing and 46 percent budget reductions, spending reductions. So any way you look at it, it's a balanced approach and I think that's the key http://gov .ca.gov/index. php?/speech/ 1 0973/ 12/5/2008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 11 of 23 to this the Governor mentioned, in urgent times like this you have to take a balanced approach and everybody has to take a bit of a haircut and that's how this is essentially designed. I'm not going to get into the details other than to answer your questions. I'm going to ask our program budget managers from finance to start coming up here in case we need to get them on stage to answer some of your more detailed questions. QUESTION/ANSWER: QUESTION: by, I think it's $12. Mike, you have a proposal in there to increase the VLF GENEST: No. It does not increase the VLF. It increases the Motor Vehicle fees but not the -- there is a distinct difference. The tax that the Governor rolled back, which we at the time -- and I think everybody agreed with us -- thought was illegally raised by the previous administration. That was the Vehicle Licensing Fee. At that time that fee was up to 2 percent of the assessed evaluation. The Governor rolled it back to where it should have been, which is about two-thirds of a percent of assessed evaluation and that's where it remains and that's where it will remain under this proposal. There are licensing fees that are charged, that are used to support the operation of the Department of Motor Vehicles and the operation of the CHP and other things that are related to the licensure of your cars, your own license, etc. Those fees will be increased by $12 to accommodate the idea that we're going to remove what's left of the state's share of that old VLF tax and give it all to local governments so that they can use it for essentially law enforcement programs. So we're trying to save and protect from these cuts those law enforcement programs by not using the VLF to pay for the operation of DMV, etc. but in order to do that and still keep DMV and CHP running, we have to raise the Motor Vehicle Fees, which are a separate -- they're a fee, not a tax. The VLF was a misnamed fee. It's actually a tax. QU ESTION: Didn't you -- and I've lost track of it but didn't you in this current budget already increase a share of that? GENEST: QUESTION: Yes. So this is in addition. So in effect, you're raising this http://gov .ca.gov/index. php?/speech/ 1 0973/ 12/512008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 12 of 23 section of the fees by $23-some, so it's additional money, ifs not -- youlre not talking about the same amount? GENEST: I donlt know if I know the exact figure. What's the total impact, between the Budget Act and this proposal, Mark? We did $11 in the regular budget and this is $12, so HILL: thafs $23. QU ESTION: So it's actually, in January 1 st or February, it's going to be $23 more, correct? GENEST: Right. QUESTION: QUESTION: Thank you. Mike, can you just macro -- back up into a macro moment? When 11m trying to figure out your solutions -- you know, you've identified a budget gap of $11.2, which I know is not all in one budget year, right? GENEST: QUESTION: Right. So in other words, 11m trying to understand how you worked back from it. And I guess one way of asking you, to start it, is are you proposing to eliminate that shortfall completely in this special session document, or are you still left with some work to do afterwards? GENEST: Well, this is a complicated question and a complicated answer. I'll try to do my best to keep it simple. But number one, you're correct about the 11.2, is last year we made a slight adjustment, .5 billion or so and now this year is where the bulk of that falls. Now, it's not a budget shortfall, it's a revenue shortfall. Because normally when we talk to you we're identifying a budget deficit or a budget shortfall that welre trying to solve and that includes problems on the spending side and problems on the revenue side. This is a very unusual proposal and a very unusual situation, because we are still working on the spending side and there will undoubtedly be spending pressures that we have to do something about; caseload increases, population increases in our prisons, etc., that we have yet to price out. http://gov .ca.gov/index. php?/speech/l 0973/ 12/512008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 13 of 23 But given the magnitude of the revenue shortfall, we've taken this unusual step of putting out a revenue update today and basing solutions around that, because it's just so big we can't wait until we have the whole budget done. Okay, that's one thing. It's not budget deficit number, it's a revenue shortfall number. Now, there is no actual requirement to bring us back to even. If we have an 11.2 loss against our budget, there's nothing that says we have to restore, through various solutions, the entire exact 11.2. For one thing, when we signed the budget, we did have a reserve. So we are proposing 9.2 in solutions for the current year, their value in the current year, which is actually remarkable, if you think about it, because we were already a third of the way through the current year. So, virtually all of these are ongoing kinds of changes, so they'll have a much larger impact next year than they have this year. And the key test for this year is, can we make it through the year on a cash basis? Now, we've looked at our cash flow numbers against these solutions and, even though we don't solve the entire 11.2, we solve enough of it so that we won't have a cash problem the rest of the year. But let me point out, that's not true if we don't get this done right away. QUESTION: But you're proposing solutions of 9.2 to get you to solve the 11.2? I mean, to get you closer to it? GENEST: Yes. QUESTION: GENEST: I'm just trying to make sure I've got the full -- Yeah. And getting closer to it, as you'll -- I think the way to understand this is to read just in the introduction those bullets. Getting closer to it is the key thing. There are two rules. Number one, you can't go broke. And so we know if we get these solutions we won't go broke, we'll have cash to make all of our mandatory payments and our legal obligations throughout the entire year. And number two, when you have a problem like this, this year, it's not a good sign for next year. So if you were to solve this year's problems, even if you solved them entirely with temporary, one-time things, you're building a really big problem for next year. http://gov.ca.gov/index. php? /speech/ I 0973/ 12/512008 - .~,.._,_..._,._,-_.._-_...._..-._._"--,.~."_._-,._--_..-----'""".---..---- Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 14 of 23 So we're doing two things here. We're making proposals that will allow the state to get through the year in good shape on a cash basis and it will also set us up for a much better budget next year. And that's not a luxury. We're not doing that because oh, as long as we're at this, let's just try to help next year's budget. No, we have to do that, because if we don't, we'll take that -- if we did nothing, in addition to running out of cash this year, we would take that entire 11.2 and put it into next year, into next year's problem, which would double, or more than double, probably, next year's problem to solve. So it's absolutely essential. Do it now so that we can stay solvent and do it now so that we can avoid next year being a catastrophe. QUESTION: Mike, on the (Inaudible) services, what was the thinking on picking those services? GENEST: Well, there are two layers of those services. One is, you know, that the Governor's tax commission -- which is also something the Speaker, obviously, is much interested in -- recognized and if you read the executive order, that our tax system is based on an economy that's not really our economy any more. We used to be much more heavily oriented towards goods and now we're much more weighted towards services. So I think it's pretty generally accepted among economists, the best way to deal with a tax system is to have the broadest base and the lowest rate. Well, we're going to have to raise the rate, because we have no choice fiscally. But we do think broadening the base makes a lot of sense. And we've chosen these particular services because they're administratively more feasible immediately. Auto repair, for example, there's already cash registers that do sales tax in auto shops, because when they sell you your oil filter they put sales tax on it. When they sell you the service of putting the filter in your car, they don't. So for them to reprogram and just charge it for both is a little easier than to go, for example, to an accountant or a lawyer and say hey, guess what? You've got to get a cash register and start charging sales tax. So there's an administrative feasibility here but there's also a policy rationale that you want a tax system that's broader based. http://gov.ca.gov/index. php?/speechll 0973/ 12/512008 __~___.__,..______,_,_~'_"____.."._'_._"~<_ ,_ __._____._.__,,_.,.M.__....__.'"". .._.____,..~_,_"____...,___."'._'H_.'__...._"_..._,..,_.-- Go.vernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 15 of 23 QUESTION: GENEST: that. HILL: QUESTION: HILL: QUESTION: GENEST: QUESTION: GENEST: Is the golf -- that's on greens fees? Is it, Mark? I don't even know greens fees. I don't do Any amount that you pay if it isn't already taxed. Yeah, that's my question. That's not taxed today? If you're playing 18 holes of golf you don't pay a tax? Not on the cart or anything? (Inaudible) The cash flow borrowing, up until now has been $7 billion for the year. Does the state now need to go ahead and borrow more money to get through to June 30th? I think the answer is no, if we get these solutions, because you're' starting all over and redoing your calculations. We've got the 5 billion and that's what's getting us through the next month or so. We did borrow that and it's in the bank and it's being used to prop up so that we have the cash cushion to get through the next few months. But we didn't get the 2 but now with these solutions, when we do the math again, I think these solutions, without any more borrowing, would work. We may still want to do a little more borrowing but we wouldn't be in a position to do that until we've got our budget back in order. So you wouldn't need to do the additional 2 if you get these solutions? Or you would still need to do the 2, including these solutions? I think we'd have to wait and see exactly which solutions we get and how fast we get them and what else is happening. Because, you know, we also -- this is a preliminary estimate. The numbers could get worse. They might get better. I don't think they're going to get a lot worse or a lot better. We've been pretty conservative in these forecasts. But I don't think we've been so conservative as to think that there is just a sunny day right over the horizon. I don't think that's the case. So these are preliminary. Plus we haven't yet accounted for the spending pressures that are built into our programs. So I can't rule http://gov.ca.gov/index. php? /speech/l0973/ 12/5/2008 " ,_ "H^___.,,_,._,_,._.._,_._~.~...._~,.....,.__.,_.~__,._...._'__._~"~,__'^___..___"._ ._ Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 16 of 23 out the prospect of more borrowing. I can say that now, with this announcement of this size of a deficit, I can't imagine us being able to borrow until the legislature gives us the solutions to put us back on an even keel. QUESTION: GENEST: (Inaudible) Other than during a late budget. Every year in the budget, when the budget is late, there are bills that we should be paying that we're not, so you know about that. QUESTION: GENEST: Has it ever defaulted on bonds or -- No, never defaulted on bonds. We have paid in the past warrants, registered warrants for certain debts. Those, for many purposes, those have been ruled out by the courts, so we don't have that option anymore. QUESTION: GENEST: (Inaudible) No. QUESTION: Do the bonds have any kind of claim on the treasury? When we reach the point where we get toward out of cash, that they get money before schools or -- GENEST: Absolutely. QUESTION: How does that work? GENEST: Well, the bonds are -- the debt service on bonds is appropriated in the Constitution and it is the second priority for expenditure of any money in the state treasury, the first being just a portion of the school allocation. So the bonds in the school -- our revenue will never get so low that we couldn't easily make those payments. So the threat here isn't to go into default, that's not the issue. The issue is being unable to pay bills like our Medi-Cal bills or the vendors who run our computer systems. If it got bad enough, we could even have a problem with payroll. So running out of cash is a really bad thing but I don't want to raise the specter of default. I don't think that's in our future at all. I think we're very comfortable about that. QUESTION: Just to stay on the bond threat for a moment -- the Governor is proposing an acceleration of bond- http://gov.ca.gov/index. php?/speech/ 1 0973/ 12/5/2008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 17 of 23 offererings related infrastructure projects, which is going to come with a cost as well, to everything we're talking about. In other words - GENEST: QUESTION: GENEST: QU ESTION: GENEST: QUESTION: GENEST: QUESTION: GENEST: We've already got those costs built into our long-term. The acceleration will slightly accelerate when they start to hit but they are still several years out. How do you define 'slightly'? Probably a couple of years, maybe. I'm not sure. I think it will depend on the particular project. It also depends on when the treasurer chooses to sell bonds. Because we don't sell bonds as soon as we start a project. It could be several years after the project is done before we finally go out and sell the bonds. So I don't think it's possible for me to predict exactly how much this speeds up or when it when it speeds it up. But it's not a substantial impact on the budget. So where's the stimulus from that, then? Hmm? Where is the stimulus? He's talking about the acceleration of the bonds but if the bonds aren't going to be sold right away, how does that -- Well, we still do the project, we still pay the vendors. They still pay their workers. The way you do the project is you do it with intermediate-term borrowing that we have a variety of vehicles for doing that. We can borrow from internal funds called the 'Pooled Money Investment Account', we can borrow on the market, Bond Anticipation Notes, we can use commercial paper. There is a variety of mechanisms the treasurer has at his disposal to finance the time between when we need to make a payment and when we think it's the right time to sell a bond. (Inaudible) how fast do you think -- the legislature comes in this month, they approve this accelerated spending of the bonds. When does it actually - I know that it budget related but can I defer that to the next segment? Because we have Will Kempton and others here who can really speak to that with more http://gov .ca.gov/index. php? /speech/ 1 0973/ 12/512008 GQvernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 18 of 23 certainty. QUESTION: On the school cuts, are you worried that this is going to be disruptive, because the school year is already underway? GENEST: Yes, the Governor is very concerned that this is a problem. It's going to be difficult. We've done some things in the way we've done it to make it as easy as possible but no one can say it won't be difficult. It's going to be hard for schools to accommodate. These are tough times. We're doing very difficult things across-the-board, unfortunately. And I think if the Governor could, he would exempt schools but there is no way to do that. QUESTION: Mike, can you talk about the impact on state services, the furloughs and other proposals have related to state employees? GENEST: State agencies are definitely tightening their belts. It goes beyond the furloughs. In the enacted budget we have hundreds of millions of dollars of unallocated cuts to state agencies where we're saying to them, you're just going to have to find a way to get by with less money. And we've been doing that for quite a while. So we think we're putting a lot of pressure on state agencies but we have great agency secretaries and great department directors and we think they can accommodate the cuts we've asked them to do so far. Most of them have signed up for voluntarily agreeing to a certain level of cuts in exchange for not having to follow the particulars of the Governor's executive order on the hiring freeze and all that, because most managers -- not just state managers - - would, if you tell them they're going to be cut, they'd rather you just give them a target and let them manage to that target rather than telling them layoff 10 of your people, or whatever. So it's belt-tightening time at the state, there's no question about it. We think we can protect vital services and still get these savings. QUESTION: Mike, did you -- this might have been something you've already answered but the prison receiver is demanding payment. Are you guys -- there's the threat of contempt of court. Are you guys just not going to pay that? GENEST: You know, I think I need to have that discussion, or the administration will be having that discussion, with the http://gov.ca.gov/index. php? /speech/l 0973/ 12/5/2008 Goyemor announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 19 of 23 judge in the court and I don't think talking about it here is a good idea. QUESTION: GENEST: MATASANTOS: GENEST: QUESTION: GENEST: QUESTION: MATASANTOS: QUESTION: GENEST: QUESTION: (Inaudible) GENEST: We have, however, in our cash flow analysis, accommodated a variety of budget threats, including the possibility that that money has to be spent. Do all the estimates here represent a December 1 st enactment date? And if that's no met, how much of these savings do you lose each week or month? Ana? (Inaudible) specific ones. It depends. Some of the revenues, some it's January, some it's February, some it's March and (Inaudible) proposal based on how much time is needed in order to be able to achieve the savings and implement the proposals. We can get you that detail if you want to go over to the But it would be significant under the -- Right. It's always the case. The longer you wait, the harder it is. The longer you wait, the less you get for these things, so you have to do more things. And that's one of the reasons for urgency here. Could I just follow up on that? In terms of taxes on services, is there an outside date by which all of these would be enacted to have some significant impact on the budget this year? There is specific implementation information in the document. Generally, we're looking at January 1 st for most of the revenues. We're looking at February and March for phasing in the sales tax broadening. And those are permanent taxes? Is that right? The sales tax, 1.5 cents, is temporary, the same as in the Governor's August compromise. The expansion of the (Inaudible) oil service tax Right. http://gov.ca.gov/index. php?/speech/1 0973/ 12/512008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Goyerno... Page 20 of 23 QUESTION: GENEST: QUESTION: increase? GENEST: MAT ASANTOS: QUESTION: MAT ASANTOS: QUESTION: GENEST: QUESTION: KEMPTON: Mike, how is this going to affect the RANs that the treasurer was thinking about doing and -- Well, that was the question earlier. At this point we're obviously not going to be able to sell the additional 2 billion in RANs. Who would loan us money until we get our budget back in shape? But we hope to get our budget back in shape and then we may, in fact, need to go out for more RANs. But we'll have to see how that plays out. I think -- maybe we should segue into the portion that has to do with UI and the mortgage proposals and the stimulus. If I can get our various administration officials who are expert in those subject areas to come up, we can -- budget questions can then happen over there in the Department of Finance conference room. We'll be available. Real quick on the sales tax -- it ends after 9/10, the After 9/10 -- It's three years. Three years. Is that in July, or- Starting in January. So it's a calendar year? So, mortgage, UI, stimulus -- there was a question earlier about CEQA, Will is here to answer that, or Lester. So weill just see what questions you have and then the right person will come up and start answering. Unless you have none. A question for Will. It's Will's turn. Just how quick can you get something happening? Well, we've identified about $821 million worth of project work that is at least partially 1 B funded that we think we can move forward quickly. And the whole idea is obviously economic stimulus, so the sooner we can get project work out, the sooner we can get shovels in the ground, the more economic stimulus. One of the positive features of this is that, because of the state of the economy, the construction industry is very hungry. And http://gOY .ca.goy/index. php? /speech/l 0973/ 12/512008 Goyemor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 21 of 23 so the more work we can put out right out right now, the better bids we're getting and so it's a lower cost. Literally, for every five projects we go to bid with, we've got enough money to do another project. So that's some good news in all of this doom and gloom. But we are doing our best to identify that project work which we can get out sooner and create jobs. For every billion dollars of capital investment we're creating, by the California Business Roundtable's calculations, 18,000 new jobs. QUESTION: KEMPTON: QUESTION: KEMPTON: But can you -- like March, April? Can we see things happening if the legislature acts here? Yes. We'll be seeing things. We're talking about the 2009 calendar year and what we can advance in that timeframe. We're also looking beyond that. Secretary Bonner of the Business, Transportation and Housing Agency is very interested in longer term economic development, so we're looking at all aspects of the bond program to see how rapidly we can move it forward. Will, could you be more specific in terms of the environmental regulations? And if you're going to still require compliance with CEQA, how can you know what environmental mitigations you need without doing an EIR? Well, let me answer the first part of the question first. If you remember, back in 1994, we actually got exemptions from CEQA for much of our toll bridge seismic retrofit program. That was an emergency issue. We think this, the state of the economy, is a similar type of an emergency with respect to needing to respond to a serious problem. And so we're going to take some of the same kind of exemptions that we received back in 1994 and ask the legislature for that kind of relief. So we would identify a group of projects that would be exempt from CEQA for some period of time and then we would also ask for imposition of a permit accelerating process which will allow for early settlement of permit issues. And the fact of the matter is that the CEQA exemptions would, in fact, if we are granted that authority, we still do a -- stewardship is one of our five strategic goals. We pay very close attention to what we're doing with respect to our projects. We take care of water quality, noise attenuation, air quality issues. And so we would still http://gov.ca.gov/index. php? /speech/l 0973/ 12/512008 Goyernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Governo... Page 22 of 23 QUESTION: KEMPTON: QUESTION: KEMPTON: QUESTION: KEMPTON: GENEST: unemployment? QUESTION: HOFFNER: continue to follow our generally green standards for the implementation of those limited number of projects that might be exempt. And then the Governor will have to use his bully pulpit to try to seek similar exemptions from the federal level, because obviously we don't have control over what happens in Washington. But can you give us some specific examples of what kinds of environmental harm might be caused by these projects that would be mitigated if you weren't exempted from CEQA? I don't think we would see any environmental harm. That"s the point I was making. We follow very rigid, strict standards from our own perspective. We know what the environmental laws say and as long as we"re building those mitigations into our projects, which we intend to do, what we"re talking about here is limiting process and allowing us to get those shovels in the ground earlier. So you're explaining this as a paperwork issue? Well, much of our CEQA and NEPA requirements are process and time related. So how much time do you save by doing that? It will depend on projects, depending on where we are in the delivery pipeline. But you know, if you could exempt a project from CEQA, depending on the level of environmental documentation, you could save as much as a year. Questions on any of the other stuff? Mortgage, On unemployment, what are your plans there? I'm Doug Hoffner, acting secretary for the Labor Workforce Development Agency. The Governor's proposal would be to increase the taxable wage base from $7,000 -- which is the federal minimum -- to $10,500, starting in 2010. It would also include an increase to the maximum tax structure from 6.2 percent to 8.1 percent for across-the-board. So what you're http://gov.ca.gov/index.php? /speech/l 0973/ 12/512008 Go_vernor Announces Plan to Address Budget Emergency, Stimulate Economy - Remarks by Goyerno... Page 23 of 23 looking at is an increase, depending on the tax-rated employer, between $56 to $413 over that period of time. QUESTION: What were those numbers? HOFFNER: Between $56 and $413, depending on their tax rating and how well they do when it comes to keeping employees employed versus those that move off. QUESTION: HOFFNER: So that's per employee? T. ext Version I Email themGQvernor I Email Alerts Ilnternshinnprograrn I ..,.-'"'"""".-.---.----.-..----------------.--------------...... ."-.....""....,,.....-......-.-----.---------------- -- -- -- -- -- -.-.-.-".,_"..'''''''"''...''""..____._______ , _.._.. _._._....,...,_"...__._....______________ __ _......... _.....,.,.,."......M"M______________ ~_ __ _.__ __ _._._.__,_..,..",,,,_ .__,.___.__..__ IEZGbniGglCQnlgGJ I HSSF~~gsl SiJ~MgQ I priVg_GYPQliGY I CQ[lgitiQn$Qf..l)s~ CAmStateHQmepage @ 2008 State of California http:// gOY .ca. gOY /index. php? Ispeech/1 09731 12/5/2008 Special ~ession 2008: Unprecedented Decisions in an Extraordinary Situation - Governor Arnold Schwa... Page I of 3 . ' . Office of the Governor ARNOLD SCHWARZENEGGER THE PEOPLE'S GOVERNOR Home About Arnold About Maria Newsroom Multimedia Issues 810g Interact Appointmen' Special Session 2008: Unprecedented Decisions in an Extraordinary Situation 11/6/2008 Unprecedented Decisions in an Extraordinary Situation Sudden Changes In Our Economy Demand a Combination of Difficult Cuts and New Revenues Economic conditions have deteriorated radically since the Governor signed the 2008 Budget Act on September 23. The volatility in our nation's financial markets has affected our budget - which is too reliant on Wall Street gains - to a point where the state faces the very real possibility of running out of the necessary cash to meet all its obligations. Critical state services could be jeopardized. California is facing a hole of $11.2 billion in lower revenues than when the state budget was signed just six weeks ago. To remedy the urgent situation, the Governor is prescribing a combination of cuts and revenue increases - all of which must be taken as quickly as possible to prevent a cash crisis and an even larger budget problem next year. BUDGET SOLUTIONS Necessary Budget Adjustments: With $11.2 billion less revenue than we anticipated just six weeks ago, it is necessary to immediately make cuts to our budget. The Governor is proposing $4.5 billion in cuts to the current-year budget. All of the cuts are painful, but essential to ensure the state can protect vital services. The major budget adjustments are: http:// gov .ca.gov lindex. php? Ifact -sheet! I 09651 RELATED CONTE~ .. Press Releal .. Speech .. Proclamatiol .. Photo Essa~ .. Video .. Budget IssUl .. PDF - Mortg. Foreclosure .. PDF - Cuts 8 .. PDF - Emplo Stimulus .. PDF - Uneml Trust Fund .. PDF - Comm 21 st Century E PHOTO ESSAY CLICK TO ENLARGE 12/5/2008 Special Session 2008: Unprecedented Decisions in an Extraordinary Situation - Governor Arnold Schwa... Page 2 of 3 Proposition 98 Education Funding. Because education funding is based on revenues, and revenues have fallen, funding to the Proposition 98 guarantee also drops. The Administration proposes total Proposition 98 expenditure reductions of $2.5 billion, which keeps education funding at approximately $122 million higher than the minimum guarantee. Higher Education. $132 million in reductions are proposed for higher education segments, including $65.5 million to the University of California system and $66.3 million to the California State University System. Supplemental Security Income/State Supplementary Payment. Reduce SSI/SSP grants to the federal minimum effective March 1, 2009, which would result in General Fund savings of $348.9 million in 2008-09 CaIWORKs. Modifying the Safety Net program, making certain benefits consistent with other CalWORKs benefits, instituting a face-to-face self-sufficiency review every six months for some CalWORKs families, and reducing CalWORKs grants by 10 percent effective March 1, 2009, would result in General Fund savings of $273.9 million for the current fiscal year. Employee Compensation Changes. Requiring state employees take a one day furlough each month, eliminating two state holidays (combining Lincoln and Washington days into Presidents Day, and Columbus Day) and premium pay for hours worked on all remaining holidays, as well as eliminating the ability to count leave time as hours worked when computing overtime will result in General Fund savings of $320 million in the current fiscal year. Additionally, the Governor proposes changes that would give state agencies the ability to establish a ten-hours-per-day, four-day workweek. Department of Corrections and Rehabilitation (CDCR): To realize saving in corrections, the administration proposes implementing parole reforms that protects public safety while cutting costs. This will be done mostly through parole reforms where high risk offenders who have committed serious, violent, or sexual crimes receive full supervision on parole while low-risk non-serious offenders receive no parole supervision after their release from prison. These reforms will save $78.1 million in 2008-09 and $677.6 million in 2009-10. Public Safety Grants: By proposing a funding realignment for public safety grants we are protecting funding for core public safety activities while realizing General Fund savings of $250 million in 2008-09. Booking fees, the COPS and Juvenile Justice programs, and juvenile probation would receive stable, non-General Fund support going forward. Medi-Cal. Reducing California benefits to the level provided in most states, and ceasing to provide some optional benefits for adults will keep California providing more optional benefits than most states and will save the General Fund savings $41 million in 2008-09 and $129.9 million in 2009-10. A Revenue Problem: While Governor Schwarzenegger has worked to fix the state's spending problem, and has kept state spending relatively flat for the past three budget cycles, the dramatic drop in our revenue projections over the past six weeks presents an extraordinary situation which, combined with the volatility of our tax system, creates a revenue problem. Raising taxes is never a good idea, but in this http://gov .ca.gov/index. php? Ifact -sheet/1 09651 12/5/2008 Special Session 2008: Unprecedented Decisions in an Extraordinary Situation - Governor Arnold Schwa... Page 3 of 3 extraordinary situation, there is no question that new revenues must be brought into the state to protect education and vital services. The Governor is proposing $ 4.7billion in new revenues for the current budget year in the form of: A Temporary Sales Tax Increase: A temporary increase in the state sales tax (from 5 percent to 6.5 percent) will generate additional sales tax revenues of $ 3.5 billion in 2008-09 for the General Fund. It will also effectively protect significant education funding. At the end of three years, the state sales tax would revert to 5 percent. Broadening the Sales and Use Tax to Include Certain Services: Effective February 1, 2009, the sales and use tax rate will be applied to appliance and furniture repair, vehicle repair, golf, and veterinarian services. Effective March 1,2009, the sales and use tax rate will be applied to amusement parks and sporting events. This is expected to generate additional General Fund sales tax revenue of $357 million in 2008-09. Oil Severance Tax: Effective January 1,2009, impose an oil severance tax upon any oil producer for the right to extract oil from the earth or water in this state. This brings California in line with other states. The tax shall be applied to the gross value of each barrel of oil at a rate of 9.9 percent and will generate additional tax revenues of $528 million in 2008-09. Increase Alcohol and Excise Taxes: Alcohol excise taxes are proposed to be raised by five cents a drink beginning on January 1, 2009. This increase is estimated to raise $293 million in 2008-09. Revenues from this tax will be used to fund critical drug and alcohol treatment and prevention services. Alcohol taxes were last raised in 1991. Te)(LYeI~ion I El]la iJJhe.. GuQ\femor IEmgilAlert~ IloteJo~hipPIQgr<3.m I TeJ~hnJgaJ CQotagt I RSS. Feec:l~ I SJteM<3.P I priY<3.gyPOligy I Conc:litiQn~otl,J$e CAState_HQmepage @ 2008 State of California http://gov .ca.gov/index.php? Ifact -sheet! 1 09651 12/512008