NIAASC NEWSLETTER
NIAASC EXTENDS SEASONS GREETINGS AND PEACEFUL
AND HAPPY NEW YEAR 2003TO ALL
7 Roberta Avenue, Farmingville, NY 11738
WINTER 2002-03 ISSUE Editors: Rajeshwar Prasad
& Ashwin Pandya MD
Web Site: www.niaasc.org E-mail: niaasc@aol.com
Telephone # 1-866-6-NIAASC ( 1-866-664-2272)
( Since its inception, NIAASC has published
its newsletters and/or progress reports.
They are interchangeable. This newsletter
is the ninth in the series)
BRIEF HISTORICAL PERSPECTIVE OF NIAASC:
The National Indo-American Association for
Senior Citizens (NIAASC), incorporated in
early 1999, is a nonprofit 501C3 organization.
Its mission is to serve seniors through information,
referral and advocacy services. NIAASC has
organized five full-day conferences and subjects
covered included: Social Security, Supplemental
Security Income (SSI), Medicare and Medicaid
Basics, Long Term Care, Transportation, Family
Conflicts & Compromises Faced by Seniors,
Senior Housing, Respite Care, Process of
Knowing and Availing Services for Seniors,
and Elder Law. NIAASC through formal surveys,
informal discussions and observations, has
identified problems faced by Indian seniors
in USA, their needs and aspirations. It has
periodically published its newsletter and/or
progress reports. Its representatives have
appeared on television, written articles
of interest to seniors and their families.
Its pamphlet 'How to Set Up Senior Citizen
Program' is available on request. Its collaborative
efforts with the Hindu Temple Society of
North America, India Association of Long
Island, United Hindu Cultural Council Senior
Center, Seniors Group of New York which meets
monthly at the Vaishnav Temple, and others
have provided rich and valuable feedback
on issues of seniors of Indian origin. Its
Board of Directors is composed of individuals
with dedication and professionalism in different
fields. It provides a continuity of efforts
by virtue of the fact that only one-third
of its members retire every year, though
eligible to be reelected. Its membership
is open to all but decision-making rests
with members 50 years of age and over. NIAASC
remains to be an information, referral and
advocacy entity without reinventing wheels
and bringing to the attention of seniors
and their families services available in
their local communities and encouraging them
to utilize the same.
NIAASC 2003 BOARD OF DIRECTORS:
Officers:
Rajeshwar Prasad, president (631-698-0512),
Ashwin Pandya MD, vice president (516-292-9741),
Ashok Satkalmi Ph.D., vice president (718-343-9038),
Mathew Koshi, secretary (718-441-7797), Romesh
Tewari, treasurer ( 732-727-9456)
Board Members:
Sushila Gidwani-Buschi: Dobbs Ferry NY, Purushottam
Karra: Edison NJ, Tara Kotecha*: Bellmore,
NY, Kamla Motihar: Flushing NY, Manoj K.
Patel Esq.: Jersey City NJ, M.K.Ramasubramanian:
Fresh Meadows NY, Asha Samant DMD: Livingston
NJ, V.N.Sehgal MD: Jackson Heights NY, Suprabhat
Sengupta*: Flushing, NY, Chandrakant Shah:
Floral Park NY, Vipin Shah: Old Bridge NJ,
E.M.Stephen: Elmont NY, Satish Varma MD:
New Hyde Park NY.
(* They are new Board members: Kotecha is
a music lover and performer and Sengupta
is a community activist with civil engineering
background)
ACCOMPLISHMENTS SINCE SUMMER 2002
The National Indo-American Association for
Senior Citizens has progressed steadily during
the last few months and below is a capsule
picture of its progress in different areas:
Information & Referral:
NIAASC produced its article, 'Front Line
Support for Seniors' (appears in this newsletter
also), which was published in various Indian
Weekly newspapers, and posted on our and
other web sites. The article 'Issues and
Aspirations of Seniors in USA' produced earlier
was modified and posted on the NIAASC web
site. The findings for this article were
based on surveys at various conferences and
observations and inquiries received during
various interviews and discussions in different
settings. For the first time two NIAASC Board
members appeared on October 28, 2002 on a
WB cable TV in Queens, principally catering
to Caribbean Indian community. Another TV
appearance on December 05 was on a 'Live
and Call-In' program at the ITV station as
a part of ongoing series 'Aging in America'.
During the last two years our web site has
been browsed by about 950 visitors, and generated
some calls on our toll free telephone. During
the last six months we have received about
two dozen telephone calls which were researched
by NIAASC volunteers for appropriate referral
or response. In all we have received about
60 calls in the last two years the toll free
number has been in operation. The NIAASC
organized its fifth 'Conference on Seniors'
on Elder Law and Its Implications to Seniorson
November 02, 2002. A report of the conference
appears in this newsletter.
Collaborations:
NIAASC provided logistic and technical support
to the Hindu Temple Society of North America
(Society) which had the kickoff for a senior
center at the Hindu Temple in Flushing, New
York, on September 22, 2002. The keynote
speaker on this occasion was Chan Jamoona,
executive director of the United Hindu Cultural
Council Senior Center. She outlined the process
of developing a program for seniors based
on her experience when she started with seven
seniors and currently serving about 120 seniors
five days a week. Her program, the only one
for Indian Americans, is now funded by the
New York City government. NIAASC also helped
the Society in their next informational meeting
on Social Security on November 10, 2002.
The Society plans to designate two apartments
as seniors' center in an 8-apartment building
under renovation.
NIAASC vice president, Dr. Ashwin Pandya,
served on the panel of the fourth Senior
luncheon program arranged by the India Association
of Long Island on September 29, 2002.
NIAASC maintained an ongoing collaborative
and working relationship with the Indian
American Kerala Cultural and Civic Center
(Center), and the Global Organization of
People of Indian Origin. In this context
representatives of the Center and NIAASC
met with the Nassau County Executive, Tom
Suozzi on November 14 followed by another
meeting with Sharon Mullon, commissioner
of the department of Senior Citizen Affairs,
on November 18, 2002. At the November 14
meeting representatives had an opportunity
to meet with other county officials who were
invited by Suozzi to join. Among these officials
were deputy county executive, Jack Gallaghar
and executive director of health and human
services, Mitchell E. Sahn.
FRONT LINE SUPPORT FOR SENIORS:
Appears under 'Articles of Interest' on the
Web site
SENIORS OF INDIAN ORIGIN: A RESEARCH STUDY
The following brief summary of methodology,
findings and recommendations of a study undertaken
by Jyotsna Kalavar Ph.D. underscores the
fact that a challenge lies ahead for the
Indian community leaders to appropriately
address issues of recent senior immigrants
from India. Once details of the study are
finalized, NIAASC will urge Dr. Kalavar to
let the Indian community in USA know its
salient points.
Recent Senior Immigrants from India
By Dr. Jyotsna Kalavar
This study involved telephone interviews
with a sample of 100 older adults from India
who relocated to the New York/New Jersey
metropolitan area. Further, case study methodology
was employed with a sub sample of five individuals
through follow-up interviews during home
visits. Findings suggest that parents of
adult immigrants often choose to immigrate
late in life primarily for purposes of family
reunification. A sizable percent of the sample
were Hindus (83%), male (53%), widowed (57%),
with a mean reported age of 72 years. The
average length of residence in the United
States was 5.7 years. The mean age at immigration
was 66 years, 86% reported having some form
of health insurance, and 95% reported an
individual annual income of $6500 or less.
This contrasted sharply with estimates of
household income provided by the seniors,
an important consideration since the majority
of them lived in multi-generation households.
This suggests that individual income rather
than estimates of household income are an
important consideration with this group.
Self-reported health ratings were negatively
correlated with age, but positively correlated
with individual income. What this means is
that as age increased, the health rating
became poorer. Those who reported higher
incomes reported more favorable health ratings
than those with lower incomes. Education
and English proficiency are positively correlated
with one another, and they are negatively
related to level of acculturative stress.
In short, those with higher education were
fluent in English and these seniors also
reported low levels of acculturative stress.
Acculturative stress refers to stress associated
with the demands of a new culture. Acculturative
stress levels are an important consideration
since they seem to be closely related to
depression.
On open-ended questions about life in the
United States, the main theme was isolation.
This was linked to limited transportation
access, minimal social opportunities, and
reported language barriers. Concerns with
health coverage, inter generational relationships
and role reversal were also expressed.
What does this all mean?
1. Seniors who desire to immigrate to the
United States should be educated on the lifestyle
here, the challenges they face without English
language fluency.
2. It is recommended that expectations between
generations be clearly defined at the onset
so the scope for misunderstanding or miscommunication
is minimized.
3. By cultivating late life interests/hobbies,
seniors can maintain reasonable activity
levels.
4. Community integration is important. The
Asian Indian community should take the initiative
of developing senior networks/resource groups
for seniors. Inter generational programs
within the community (such as Adopt a Grandparent')
are one of several such opportunities available.
Such integration need not be limited to the
Asian Indian community.
The findings highlight the need for gerontological
research that is culturally attuned to the
needs of Asian Indian elders so service delivery
may be optimally provided.
-----------------------
Dr. Jyotsna Kalavar is an Assistant Professor
& Program Director of the Department
of Human Development & Family Studies
at Penn State University's New Kensington
campus. Based on her graduate research, she
is the author of a book, "The Asian
Indian Elderly in America" that was
published by Garland Publishers in 1998.
She is a member of NIAASC and had been a
speaker and a panelist at one of NIAASC conferences.
FIFTH CONFERENCE ON SENIORS: ELDER LAW
The National Indo-American Association for
Senior Citizens had its fifth interactive
full day 'Conference on Seniors' on Saturday,
November 02, 2002 in Elmont, New York in
collaboration with the Global Organization
of People of Indian Origin (GOPIO) and the
Indian American Kerala Cultural and Civic
Center.The subject was 'Elder Law and Its
Implications to Seniors'. Dr. Thomas Abraham,
GOPIO president and E.M.Stephen, Center president
had a leading role in the conference deliberations.
Glimpse of Attendees:
About 50 people attended the conference.
A number of representatives from organizations
involved with senior programs were represented;
notably among them were: Chan Jamoona, executive
director and founder president of the United
Hindu Cultural Council Senior Center in South
Ozone Park, the only program funded by City
of New York government and running five days
a week serving more than 100 seniors; Nirmala
Ramasubramanian, chairperson of the Senior
Citizens Committee at the Hindu Temple in
Flushing which had a kickoff of senior center
on September 22, 2002; Dr. Ashwin Pandya
and others from Senior Citizens Group of
New York which meets monthly, at times twice
a month, at the Vaishnav Temple in Holliswood,
attended by about 60 seniors; Sudha Acharya,
president of the South Asian Council for
Social Services; Kris Kalra, MSW, from Queens
Hospital Center, representing the Hindu Center
in Flushing; Monica Nandan, an activist on
senior issues from St. Joseph, Missouri;
Ashok Satkalmi Ph.D. (president) and Sharad
Narvekar from Nav Nirmaan; Avinash Suri,
immediate past president of India Association
of Long Island which has arranged four senior
luncheons; and Dr. Uday Naval, a noted academician
and ardent supporter of senior programs in
USA. Almost all the above groups were cosponsors
of the conference. In addition, the conference
was financially supported by HOUSE OF SPICES
(India) Inc., New York, Comprehensive Financial
Services Inc. Dobbs Ferry, New York and Jessica
Tour and Travel Enterprise: web site: www.travelwithjessie.com.
Individuals sponsoring the conference included
Dr. Ashvin Doshi, Chan Jamoona, Satpal Malhotra,
Muthu G. Mudaliar, Dr. Ashwin Pandya, Dr.
Anjali Pandya, Manoj Kumar Patel Esq., Rajeshwar
Prasad, Prem N. Prasad DSW, Ashok Satkalmi
Ph.D., Arundhati Satkalmi, Avinash Suri,
Romesh Tewari, Asha Samant DMD and Dr. Arun
Samant.
Keynote Speech and Panel Presentations and
Discussions
In her keynote speech, Marianne Artusio,
professor at the Law Center in Huntington,
articulated that one should make decisions
with regard to their legal, health-related
and financial planning issues as early as
possible. She emphasized that in absence
of instruments such as power of attorney,
living will, process after the death of a
loved one can be very painful, costly and
arduous for family members. At the panel
presentation and discussion three more attorneys
and counselors of law joined Artusio: Amy
Siegel, Brian Andrew Tully and Manoj Kumar
Patel. Step by step the panelists provided
helpful information and underscored the importance
of these issues: long term care planning,
estate planning, impact of immigration on
seniors and their families particularly in
light of Welfare Reforms Act of 1996, health
care proxy, Medicaid asset protection, durable
power of attorney, real estate and joint
bank accounts. Dr. Ashwin Pandya
in moderating the panel, stated that "by
virtue of our nature and lethargy, we do
not think of the unforeseen." Based
on his professional expertise as a practicing
psychiatrist and his personal experience
he described that families go through a difficult
and hardship phase after the death of a loved
one. Their grief is aggravated by bureaucratic
layers in their efforts of sorting out many
issues.
In his brief remarks, Muthu G. Mudaliar,
identified the importance of health insurance
and affordable prescription drugs. He indicated
that financial planning goes hand in hand
with many components described at the conference.
Remarks by Chief Guest:
The conference participants were grateful
to hear chief guest Honorable Uma Sengupta,
an eminent personality, actively involved
with state politics. She in her brief remarks
outlined as to how she had developed a Montessori
school and has been able to provide necessary
tools and services to children and their
parents. She asked that since there is a
growing need for adult day care services
for Indian seniors, NIAASC and other organizations
should focus on that. She assured the audience
of her full-fledged support in their ventures.
Helpful Understanding of Legal Terms:
A brief definition of legal terms/instruments
below has been adapted from presentations
made at the above Elder Law conference by
Brian Andrew Tully Esq., Amy Siegel and Marianne
Artusio Esq., and presentation made by Michael
N. Connors Esq. at the fourth Senior Luncheon
program by India Association of Long Island.
It is recommended that one should seek guidance
and advice of an attorney, preferably one
specializing in Elder Law, for full explanation
of these and other (not included here) legal
terms and instruments. Other instruments
may be Revocable or Irrevocable Trust, Long
Term Care Planning Instrument including Medicaid
Asset Protection.
Living Will:
A Living Will provides an unequivocal written
declaration of your specific medical treatment
preferences and provides the "clear
and convincing evidence" required by
law of an incapacitated individual's desire
to receive or refuse medical treatment. If
you complete a Health Care Proxy and also
have a Living Will, the Living Will provides
instructions for your Health Care Agent regarding
treatment and will guide his or her decisions.
The Living Will must specify and define the
treatment being allowed or disallowed and
must specify under what circumstances the
treatment should or should not be administered.
A Living Will must be signed and dated in
the presence of two adult witnesses and remains
in effect until specifically revoked.
Health Care Proxy:
A Health Care Proxy (proxy) allows you to
appoint a Health Care Agent (agent) to make
all health care decisions for you in the
event that you can no longer make such decisions
for yourself. You may also empower your agent
to make decisions for you regarding life
sustaining treatment. Hospitals, doctors
and other health care providers must follow
an agent's decisions as if those decisions
made by you. For the proxy to be valid, the
individual must be a competent adult when
he or she signs the proxy and the individual
must sign the document in the presence of
two adult witnesses, neither of whom may
be the persons appointed as agent. A proxy
may remain in effect indefinitely or may
expire upon a certain date or certain event.
Will:
A will is a written declaration, witnessed
at least by two people, of how a person desires
his or her real and personal property to
be disposed of after his or her death. A
will may be changed at any time during its
maker's lifetime. A will takes effect only
upon the death of the testator. Property
passing under a will does not avoid probate.
(Probate is a court procedure to prove a
will is valid). Without a will, upon a person's
death that person's assets are disposed of
according to the state law.
Durable Power of Attorney:
A Durable Power of Attorney allows you (the
"Principal") to name an agent,
referred to as the "attorney-in-Fact"
to manage your financial affairs, presently
or in the future, should you no longer be
able to do so yourself due to physical disability
or mental incapacity. For a Durable Power
of Attorney to be valid, the Principal must
have legal capacity at the time it is executed,
and the instrument must be acknowledged by
the Principal before a notary public. It
is important to note that the agent appointed
under a Durable Power of Attorney is not
empowered to make health care decisions for
the Principal. For that you need another
document called Health Care Proxy.
Joint Bank Accounts:
A joint bank account is a bank account held
between two people. Upon the death of one
joint tenant, the surviving joint tenant
becomes absolute legal owner of the entire
account, and probate is not required.
Kerala Center in Elmont Recognizes NIAASC
President:
The Indian American Kerala Cultural and Civic
Center, at its 10th Annual Awards Dinner
on November 16, 2002, recognized Rajeshwar
Prasad, NIAASC president for his community
service.In his comments, Prasad underscored
the importance of different regional groups
and associations coming together for betterment
of community by "unifying our energy
and resources". As a minority in the
USA, we become weaker if we focus only on
issues reflecting our region and province
in India. Despite our rich social and cultural
values of the region in India we come from
our focus should be more as persons of Indian
origin. He emphasized that presently many
of us overlook that broad perspective and
determination, and thus remain divided and
weakened.
----------------------
Donors /Sponsors During the Year 2002
The National Indo-American Association for
Senior Citizens acknowledges with gratitude
financial support from the following corporations,
associations and individuals during the year
2002. Without this help NIAASC would not
have accomplished its tasks. We urge you
to become members of NIAASC. The membership
helps in expanding NIAASC work in other areas.
Please fill out the membership/donation form
in this newsletter and be a part of the group
dedicated to provide information, referral
and advocacy to seniors of Indian origin
in this country.
$500 & Above Ashwin & Anjali Pandya
$ 250 to $499 House of Spices
$ 100 to $249 Comprehensive Financial Services
(Sushila Gidwani-Buschi),
Global Organization of People of Indian Origin,
Indian American Cultural & Civic Center
Kerala Center,
Jessica Tours & Travel Enterprise (Jessie
Nagpal),
Rajeshwar & Prem Prasad , Anumolu Rao,
Ashok & Arundhati Satkalmi, Arun &
Asha Samant.
$50 to $99 Ashvin Doshi Chan Jamoona Sat
Paul Malhotra
Manoj Kumar Patel Muthu G. Mudaliar Rajul
Shah
Avinash Suri Romesh Tewari
Under $50.00 Uday Naval Naginder Singh Annie
Koshi
Samir Kumar Dutta
Professional Affiliations:
Dr. Jyotsna Kalavar, assistant professor
at Penn State University completed her research
on Indian seniors. The study was supported
by National Institute on Aging. NIAASC had
helped in sample and interview selection.
(The draft study findings appear in this
newsletter). NIAASC also collaborated with
a project undertaken by C W Post University's
department of Social Work & Center on
Aging. Funded by the Robert Wood Johnson
Foundation, the pilot project is to train
volunteers as caregivers for frail elderly
in Long Beach, New York. NIAASC also provided
information to the South Asian Public Health
Association, based in Maryland, for an article
'Elderly Care' by Abhijit Ghosh MPH &
Rashmi Gupta Ph.D., LMSW. The article has
been recently published in the book: The
Health of South Asians in the United States.
------------
This newsletter has been partly supported
by Dr. Ashwin Pandya, a practicing psychiatrist
and community leader. Ashwin has been involved
with running senior programs at the Vaishnav
Temple in Holliswood and at the Gujrati community
hall in Queens.
------------
FACTS YOU MAY LIKE TO KNOW:
* Medicare Part B monthly premium will be
$58.70 as of January 01, 2003. There are
special State programs that can help you
pay your premium and other medical costs,
if you have low income and savings. You must
have Medicare Part A. For more information,
call 1-800-MEDICARE. You may also visit the
web site: www.cms.hhs.gov/
* As of January 1, 03 Social Security and
SSI Benefits increase by 1.4%
* Maximum amount of earnings subject to the
Social Security tax (taxable income) is $87,000.00.
This will result in an increase by $130.20
for each employee bringing the total deduction
for tax to $5,394.00. For self-employed the
increase will be $260.40 bringing the total
tax to $10,788.00
* Note the new Social Security web site for
East Asia, Southeast Asia or the Indian subcontinent.
The web site takes you to the Asian American
and Pacific Islanders: www.ssa.gov/aapi/
* Social Security provides interpreter services
free of charge to people visiting their office.
Just call six weeks ahead of time. The telephone
number to call is : 1-800-772-1213.
* Beware of IDENTITY THEFT: If a thief steals
your personal information, it can be devastating.
Be careful with anything that contains your
name, birth date, Social Security number,
and Account number. These are the tools of
the identity theft.
* Indian American community is the fastest
growing community in the USA as per US Census
2000 - increasing by 106% in ten years reaching
almost 1.7 million. More than half of the
Indian Americans (about 990,000) live in
the following five states: California, New
York, New Jersey, Illinois and Texas. As
per NIAASC estimates about 100,000 people
in these five states are above the age of
60.
FIVE STATE UNITS ON AGING: (Source: National
Association of Area Agencies on Aging)
As indicated in 'Front Line Support for Seniors'
article, here are five State Units on Aging,
where close to a million people of Indian
origin live: You can also call Eldercare
Locator at 1-800-677-1116 for any state unit
or AAA.
State Agency Name Address Telephone # of
AAAs
(PIO* figures rounded)
California California Department 1600 K Street,
Sacramento 916-322-3887 33
(315,000) of Aging CA 95814
New York New York State Office for the Empire
State Plaza Agency 518-474-5731 63
(252,000) Aging Bldg. 2, Albany NY 12223
800-342-9871(instate)
New Jersey Division of Senior Affairs, P.O.Box
807 609-943-3345 21
(169,000) Dept. of Health & Senior 240
West State Street 800-792-8820(instate)
Services Trenton, NJ 08625
Illinois Illinois Department on Aging 421
E. Capitol Avenue #100 217-785-2870 13
(125,000) Springfield IL 62701 800-252-8966(instate)
Texas Texas Department on Aging P.O.Box 12786
512-424-6840 24
(129,000) Capitol Section (zip 78711) 800-252-9240
4900 N. Laman Blvd. 4th fl.
Austin, TX 78751
* People of India Origin
NIAASC MEETINGS: GENERAL BODY
Following the conference, NIAASC had its
annual general body meeting. NIAASC president,
Rajeshwar Prasad, gave progress report of
NIAASC activities. He focused on collaborative
working relations with a number of community
groups such as the Hindu Temple Society of
North America, United Hindu Cultural Council
Senior Center, India Association of Long
Island in their efforts to address issues
of seniors of Indian origin. He also elaborated
on many inquiries received on the toll free
telephone number of NIAASC and how NIAASC
volunteers research those inquiries to the
satisfaction of callers. He brought to the
attention of participants a study just completed
by Dr. Jyotsna Kalavar of Penn State University
where NIAASC helped in facilitating sample
selection and interviews with seniors in
New Jersey and New York. He pointed out to
an article developed by NIAASC 'Front Line
Support for Seniors' which has appeared in
many Indian weekly newspapers as well as
on various web sites.
The NIAASC treasurer, Romesh Tewari, informed
the NIAASC members that the annual financial
statement ending March 31, 2002 had been
mailed to all members in July 2002. New members
can get copies of the statement. The chairman
of the Nominating Committee, E.M.Stephen,
presented its report. He informed that as
per NIAASC Constitution and Bylaws, one-third
of its Board members retire every year. Of
the six members of the Board retiring on
December 31, 2002, five had opted to continue
and they were being recommended for reelection
for a 3-year period. The committee has also
selected two new members and recommended
their election. They are Tara Kotecha, for
a one-year term ending December 31, 2003,
and Suprabhat Sengupta, for a term of two
years ending December 31, 2004. The General
Body approved recommendations made by the
Nominating Committee. (Full roster of Board
members as of 01/01/03 appears in this newsletter).
ORGANIZATIONAL MEETING OF THE BOARD OF DIRECTORS:
As per NIAASC Constitution and Bylaws the
first organizational meeting of the Board
of Directors was chaired by the chairman
of the Nominating Committee, E.M.Stephen.
He was assisted by Dr. Ashvin Doshi in conducting
the election of NIAASC officers. The current
officers were unanimously elected for a 2-year
term ending December 31, 2004.
---------------------------
1. Bring to our attention senior person for
his or her contributions and accomplishments.
2. If you know of any program for seniors
in your area, please let us know with name(s),
contact person, address, E-mail & telephone
#. NIAASC will be pleased to contact the
program person.
3. BE A MEMBER OF NIASSC: Together we all
can do a better job. Let us expand the base
of NIAASC.
4. If you know someone who will be interested
to be on NIAASC mailing list, please let
us know.
------------------------
BE A MEMBER OF NIAASC: FILL OUT THE MEMBERSHIP
FORM AND MAIL TO
National Indo-American Association for Senior
Citizens Inc.
7 Roberta Avenue,
Farmingville, NY 11738
READ THE MEMBERSHIP BENEFITS, MISSION AND
OBJECTIVES OF NIAASC ON THE WEB SITE.