51067_MURPHREY, ED & DIANE_20070907

LJCAMA / ❑ DREDGE & FILL N9 51067- 1
GENERAL PERMIT Previous permit# "
❑New ❑Modification El Complete Reissue LJ Partial Reissue Date previous permit issued
As authorized by the State of North Carolina, Department of Environment and Natural Resources
and the Coastal Resources Commission in an area of environmental concern pursuant to 15A NCAC f' '
ITRules attached.
Applicant Name Project Location: County
Address Street Address/ State Road/ Lot #(s)
City - - ^ Jr 1 / State A J" ZIP 5 ' /--
Phone # (–._ `' Fax # ( ) Subdivision
Authorized Agent CiZIP J
Affected ❑ CW E-, EW :1 PTA ❑ ES ❑ PTS Phone # (I �1 ).3� _7Y,� y River Basin �i•'¢" (� r; L
❑ OEA F1HHF ---11 H ElUBA Ci N/A
AEC(s): Adj. Wtr. Body s'r r�*�+naf Aman /unkn)
❑ PWS: [-FC:
ORW: yes / no PNA yes / no Crit.Hab. yes / no
Closest Maj. Wtr. Body
Type of Project/ Activity
//� %� =� r_ _moi s
�It r �J #/.,. J
Pier (dock) length
Platform(s)
Finger pier(s)
Groin length
number
Bulkhead/ Riprap length
avg distance offshore
max distance offshore
Basin, channel
cubic yards
Boat ramp
Boathouse/ Boatlift
Beach Bulldozing
Other.+
Shoreline Length
SAV: not sure yes Q
Sandbags: not sure?yes) no
Moratorium: n/a yes no
Photos: yes j no t
Waiver Attached: yes 0
A building permit may be required by: CJ` '' % lei -4 -.,,- r /<a r .0
Notes/ Special Conditions %�� C% -4 4, i
Agent or Applicant Printed Name
Signature ** Please read compliance statement on back of permit
? is
Application Fee(s) Check #
(Scale: „� )
❑ See note on back regarding River Basin rules.
%e vas : SRi�rl
—r,7
Permit Officer's Signature
Issuing Date Expiration Date
Local Planning Jurisdiction Rover File Name

Statement of Compliance and Consistency
This permit is subject to compliance with this application, site drawing and attached general and specific conditions. Any
violation of these terms may subject the permittee to a fine or criminal or civil action; and may cause the permit to become
null and void.
This permit must be on the project site and accessible to the permit officer when the project is inspected for compliance. The
applicant certifies by signing this permit that 1) prior to undertaking any activities authorized by this permit, the applicant will
confer with appropriate local authorities to confirm that this project is consistent with the local land use plan and all local
ordinances, and 2) a written statement or certified mail return receipt has been obtained from the adjacent riparian
landowner(s) .
The State of North Carolina and the Division of Coastal Management, in issuing this permit under the best available
information and belief, certifythatthis project is consistentwith the North Carolina Coastal Management Program.
River Basin Rules Applicable To Your Project:
❑ Tar - Pamlico River Basin Buffer Rules ❑ Other:
❑ Neuse River Basin Buffer Rules
If indicated on front of permit, your project is subject to the Environmental Management Commission's Buffer Rules for the
River Basin checked above due to its location within that River Basin. These buffer rules are enforced by the NC Division of
Water Quality. Contact the Division of Water Quality at the Washington Regional Office (252-946-6481) or the Wilmington
Regional Office (910-796-7215) for more information on how to comply with these buffer rules.
Division of Coastal Management Offices
Raleigh Office
Mailing Address:
1638 Mail Service Center
Raleigh, NC 27699-1638
Location:
2728 Capital Blvd.
Raleigh, NC 27604
919-733-2293
Fax: [phone]
Morehead City Headquarters
400 Commerce Ave
Morehead City, NC 28557
252-808-2808/ 1-888-4RCOAST
Fax: [phone]
(Serves: Carteret, Craven, Onslow -above
New River Inlet- and Pamlico Counties)
Elizabeth City District
1367 U.S. 17 South
Elizabeth City, NC 27909
252-264-3901
Fax: [phone]
(Serves: Camden, Chowan, Currituck,
Dare, Gates, Pasquotank and Perquimans
Counties)
Washington District
943 Washington Square Mall
Washington, NC 27889
252-946-6481
Fax: [phone]
(Serves: Beaufort, Bertie, Hertford, Hyde,
Tyrrell and Washington Counties)
Wilmington District
127 Cardinal Drive Ext.
Wilmington, NC 28405-3845
910-796-7215
Fax: [phone]
(Serves: Brunswick, New Hanover,
Onslow -below New River Inlet- and
Pender Counties)
Revised 08/09/06

9
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EDGAR D MURPHREY JRnAw ..
DIANE R MURPHREY PH. 252-746.3784 �r
4475 AYDEN GOLF CLUB RD 2498
AYDEN, NC 28513-7426 66-112/531
BRANCH 74507
PAY TO Dnre
THEORDEROP
BB&T
DOLLARS Br k;,, o„
BRANCH BANKING AND TRUST COMPANY IIIU�
1 -800 -BANK BBT BBT,..m
�nr--6 --l.
':0 5 3 10 1 1 2 0:000S 196 76 2606n'

To Whom It May Concern:
I &�JY�c give permission to <-e to
act as agent I mj behalf in obtaining a CAMA GeneraLPet to place sandbags as
a temporary erosion control structure in front of my property located
at I � so --� in the town of � �,A
I have read the specific conditions in 15A NCAC 7H.1700 and understand that by
receiving such a permit, I will be responsible for the removal of remnants of all or
Porti y damaged sandbags, and that the sandbags may remain in place for
two ve years after the date of permit approval. Once the temporary erosion
CO2 s Lee (sandbags) is determined to be unnecessary due to the relocation or
removal of the house, the bags must be removed within 30 days.
I also understand that the removal of the sandbags shall not be required if they are
covered by dunes with vegetation sufficient to be considered stable and natural two
years from permit approval date.
Authorized Signature Da - 1S
to `%

4e-pl1
Edd& Diane Murphrey
4475 Ayden Golf CCud Road
Ayden, WC 28513
252) 746-3784 dmur hreyCa)earthtink.net
August 7, 2007
Ms. Susan Gallagher
906 Armistead Street
Winchester, VA 22601
Dear Ms. Gallagher:
We are in the process of applying for permits to install sand bags in
front of our property at 11203 Inlet Drive at Emerald Isle.
We hope that will not be necessary but we want to be prepared
should we need to do this. We lost another considerable amount
over the past 5 days.
CAMA needs your signature as an adjacent property owner on the
enclosed document to complete this application.
I am enclosing a stamped envelope with a form for your signature for
your convenience. We would appreciate your help. If you have any
questions, please call me at [phone]. If you have access to a
fax, you may fax this letter to me at [phone].
Warmest regards,
Diane Murphrey

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k
Ed& Runenr dire
5
4475 -Ryden Golf CCub Road
-A-yden, XC 28513
(2.52) 746-3784 dmurphrey@earthf nk.net
August 7, 2007
Ms. Jane Kiernam
2215 Prince Street
Durham, NC 27707
Dear Jane:
We are in the process of applying for permits to install sand bags in
front of our property at 11203 Inlet Drive at Emerald Isle.
We hope that will not be necessary but we want to be prepared
should we need to do this. We lost another considerable amount
over the past 5 days.
CAMA needs your signature as an adjacent property owner on the
enclosed document to complete this application.
I am enclosing a stamped envelope with a form for your signature for
your convenience. We would appreciate your help. If you have any
questions, please call me at [phone]. If you have access to a
fax, you may fax this letter to me at [phone].
Warmest regards,
Diane Murphrey

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Profile of Murphrey Lot at Emerald Isle
W,
Subject: Profile of Murphrey Lot at Emerald Isle
From: "Frank Rush" <[e-mail]>
Date: Fri, 24 Aug 2007 12:49:55 -0400
To: <[e-mail]>, "'Ted.Tyndall"' <Ted. Tyndall@ncmail. net>
CC: "'Diane Murphrey"' <[e-mail]>, "'Sen. Jean Preston"' <[e-mail]>,
"'Rep. Pat McElraft"' <[e-mail]>, "'Pat McElraft"' <[e-mail]>
Jim, Ted
Thanks again for coming out to meet with us yesterday. It was greatly
appreciated.
We took some elevation shots this morning, and a graphic (to scale)
indicating the elevations is attached.
The key findings are as follows:
- The toe of the dune escarpment on the ocean side was used as our
reference point.
- The lowest elevation in the dune trough between the dune crest and the
foundation of the house is only .66 ft.higher than the toe of the dune
escarpment. ,
- The lowest elevation in the dune trough is located approximately 50
ft. away from the foundation of the house. The elevation rises by 3.48
ft. over the 50 ft distance before you reach the foundation of the
house, which is a total of 4.14 ft. higher than the toe of the dune
escarpment.
- The street (Inlet Drive) is only 2.0 ft. higher than the toe of the
dune escarpment. I would add that there are several lower spots around
the street and in other homes' front yards that are likely lower than
the toe of the dune escarpment (the street is elevated to some degree).
Ideally, we would like permission from DCM to install sandbags now or at
any time in the future as the dune escarpment migrates toward the home.
In reality, we might wait until the escarpment is closer to the home -
Jim's comments about the one-shot nature of sandbag permits and the fact
that water could make its way behind that sandbags is a good one that
the Murphreys and others should consider carefully.
Do you think this data, along with the rapid erosion rates, enable you
to administratively issue a permit for sandbags - either at the current
location of the dune escarpment or at some other pre -determined location
near the existing remaining dune? (The indication of a pre -determined
location would enable the Murphreys to essentially have the sandbag
contractor ready to go to install sandbags ahead of time, and could save
some valuable time.) Depending on your answer to this question, the
Murphreys may also seek a licensed surveyor to prepare information for a
potential variance request, and they'd try to have that done early next
week to be ready for next Thursday's submission deadline.
Please let us know what you think.
Thanks again,
Frank
Frank A. Rush, Jr.
1 of 2 8/28/2007 3:15 PM

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Atlantic
Ocean
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Toe of Dune Escarpment
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Approximate Crest of Dune.
40
approximately 14 ft. higher than toe of dune escarpment
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a
4
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Landward Side of Dune 3.90 ft. higher than to,, of dune escarpment
M
~25
Reference Point Line - Elevation of Toe of Dune Escarpment
j
Lowest Elevation on Landward Side of Dune Between Mouse and Dune
.66 ft. higher than toe of dune escarpment
-50
-50
-1201
Rear (Ocean) Side of House Foundation - Reference Point
4.14 ft. higher than toe of dune escarpment
Front (Street) Side of House Foundation - Reference Point
Inlet Drive (Public Street)
2.0 ft, higher than toe of dune escarpment
Inlet Drive (Public Street)

Ed & Diane Murphrey
4475 Ayden Golf Club Road
Ayden, NC 28513
Beach location: 11203 Inlet Drive, Emerald Isle (not mailing address)
Beach phone # [phone]
Cell phone [phone]
Beach erosion log showing the distance from the bottom of our steps to the
high water mark at high tide:
Date Distance from steps
09-22-06
120 ft
11-28-06
45 ft
02-24-07
42 ft
04-03-07
35 ft
05-07-07
15 ft
05-10-07
3 ft
06-06-07
--- 6 ft
06-14-07
---12ft (6ft in one night)
06-15-07
---26ft (14 ft in one night)
07-05-07
---30ft
Total beach front lost in 10 months = 150feet
Beachfront lost in last 30 days = 24 feet
Any storm that gets within a few hundred miles of Emerald Isle will raise
the water level and have a catastrophic effect on our dunes and the point
area. The loss of the last 24 feet occurred on full moon or new moon or any
east or northeast wind, but was not storm related.
We desperately need a master permit in place that will allow property
owners in the affected area to place sand bags when the erosion is within
100 feet of our homes.
In the event of a hurricane, it is possible we could loose all of our sand dunes
before we could have time to react or recover.
"An ounce of prevention is worth a pound of cure " certainly applies here!

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Westward migration of bulge
between Jan and Jun 07

Questions and Discussion

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Bogue Inlet Seamless Topo/Bathy Modeling & Analysis: June 07
Client: Town of Emerald Isle
s
COMP1 X74 COASTAL CHANGE k1A i CLEAR

Profile Method vs. 313 Topo/Bathy Modeling
Difference 1: Surfzone is being ignored
4 i
i i OG/� MayO'7
4A_.2 Aug42
it cats: r.yuc�:3
Dune BaseAOOO
Wading Depth
.r'''" , Surfzone Tem oral Variabiltt/ (; 100m
Time Serie§ Beach fm lfni Su one fm'/m?
May -Aug 10. 16 22.10
Aug Feb -6.56 19.89
Feb -April 417.10 -21.28
J�llay-April -0.47 11:76
-IVU 'IVV IVU :3VV /IUV :IVU FSUU /UV tSVV bfVU
U t3 L (Illbtmr l"m)
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1
4 i
i i OG/� MayO'7
4A_.2 Aug42
it cats: r.yuc�:3
Dune BaseAOOO
Wading Depth
.r'''" , Surfzone Tem oral Variabiltt/ (; 100m
Time Serie§ Beach fm lfni Su one fm'/m?
May -Aug 10. 16 22.10
Aug Feb -6.56 19.89
Feb -April 417.10 -21.28
J�llay-April -0.47 11:76
-IVU 'IVV IVU :3VV /IUV :IVU FSUU /UV tSVV bfVU
U t3 L (Illbtmr l"m)

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Profiling Pitfalls
• Surfzone is often ignored or lack of complete
overlap due to traditional survey vessel design
-Datum derived shorelines interpolated
between stations
• No data between profiles causes grid -based
volume calcs have to have reduced accuracy
1o '. kd, r i l w I
r50 0
�_:4CI Q I OOrV 1100
Rod/Level
Singlebeam
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Integration of modern instrumentation, task specific survey platforms.
topolbathy survey design (Part l) & specialized modeling routines (Part ll) for
the creation of a seamless & accurate topolbathy SEM
Part I: Data Acquisition & Survey Design
• Site calibrated RTK-GPS for precise positioning
and elevations
• Ground-based beach topo
• Profiles to wading depth
•Collecting multitudeafipaints in between ' •°' ''' � ' v
profiles . M.., 4� < •' ..,
• Ultra -shallow v at r1ingleboa o�
µN

Bogue Inlet Seamless Topo/Bathy Survey Design
r

June 05 / June 07 Change

Topographic Change
allIE,
2006
`• roY is '" ��.,� �. ,�,
t•
allIE,
2006

14
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110
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Conclusions / Recommendations
At the least use . ongoing CPE georectified photos for morery
including offshore bars
• Additional 3D shoreline surveys to measure MHW contour
• Topo/bathy survey in the late fall / winter to assess change
coverage to get a better spatial sense of sources and sinks,r

Epaerald isle
Pot...ilbt Frosi000kll,
Eol � p�av�,e Mu�pl�re�
22203 iwlet pr/bve
Evv.eoLd isle, Nc
Av-gL,tst 23, 2007

11203 Inlet Drive Property—The following pictures were taken from the ocean looking
back towards the property and standing at the end of the walkway looking towards the
ocean::
June 26, 1997
.�,
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July 4, 1998

The Point at Emerald Isle
Before and After— Bogue Inlet Channel Project (Completed April 2005)
IVVVGIIIVGI L.VV`T FAMMUIR.0 FLAIR
Note — The new main channel is not shown in the March 2007 photo; it is located beyond the bottom of the photo.

' The following was taken on beach front at 11203 Inlet Drive. This was taken on
9/16/2005.

The following picture was taken October 2005 following Hurricane Ophelia. This of the
point area.

IThe following aerial picture of the point was taken on June 27, 2007.

The picture was taken at 11203 Inlet Drive from the beach on 8/7/2007. This is the
erosion into the last dune.
loop
11

The picture was taken at 11203 Inlet Drive from the beach on 8/7/2007. This shows
the erosion into the last dune.

Emerald Isle Beach Erosion
Date From
Date To
Feet of erosion
9/22/2007
11/28/2006
75
11/28/2006
2/24/2007
3
2/24/2007
4/3/2007
7
4/3/2007
5/7/2007
20
5/7/2007
5/10/2007
12
5/10/2007
6/6/2007
9
6/6/2007
6/14/2007
6
6/14/2007
6/15/2007 one night
14
6/15/2007
7/5/2007
4
7/5/2007
7/14/2007
3
7/14/2007
8/3/2007
4
8/3/2007
8/9/2007
4
8/9/2007
8/11/2007
3
Total beach front lost since
September 22,2006
164
Average loss per month
Sept -July 16.1 feet
Average loss per month last
90 days
May, June, July 17.3 feet

Aerial view taken 6/27/07

Major CAMA Permit Modification Request JPhoto Date - March 17, 2007
Town of Emerald Isle
To allow importation and placement of beach quality sand to augment existing dunes
May 11, 2007
Inlet Drive
Dune Augmentation Area
Channel Drive
Public Walkway

Requested Dredge Spoil Disposal Area
New Channel For US Coast Guard Station, Emerald Isle, NC
Submitted by Town of Emerald Isle to US Army Corps of Engineers and US Coast Guard
July 11, 2007
Requested Disposal Area (in red)

Town of Emeraffisfe
Mayor
Arthur B. Schools, Jr.
Mayor Pro -Tem
Floyd Messer, Jr.
Board of Commissioners
Nita Hedreen
Tom Hoover
John Wootten
Maripat Wright
July 11, 2007
Mr. Ray Pipak
USCG Civil Engineering Unit
1240 E. Ninth Street
Cleveland, Ohio 44199-2060
Mr. Jeff Richter
Environmental Resource Section
Visit our web site at www.emeraldisle-nc.org !
Town Manager
Frank A. Rush, Jr.
frush(cvemeraldisle-nc.org
Mailing Address
Town of Emerald Isle
7500 Emerald Drive
Emerald Isle, NC 28594
Voice 252-354-3424
Fax [phone]
Sent via email to raymond.a.pipak(@uscg.mil
Sent via email toLeffrey.h.richter(cDusace.army.mil
US Army Corps of Engineers, Wilmington District
PO Box 1890
Wilmington, NC 28402
Dear Mr. Pipak and Mr. Richter:
Please accept this letter as the Town of Emerald Isle's official comments on the "10 -Year Maintenance Dredging
Project Plan for US Coast Guard Station, Emerald Isle, NC". We appreciate the opportunity to offer these
comments to your agencies.
The Town of Emerald Isle supports the efforts of the US Coast Guard and the US Army Corps of Engineers to
provide safe and reliable navigation routes for the Coast Guard and the boating public in the Emerald Isle area.
We are grateful that the Coast Guard has maintained its station in Emerald Isle and greatly appreciate their
contributions to our boating and land-based communities. The Town supports the proposed dredging, and looks
forward to its completion.
The Town offers the following comments for consideration, and requests that these issues be addressed in any
formal plan:
• The proposed dredging work should be completed by a hydraulic pipeline dredge with the capability of
placing the sand on the beach. This type of dredging is more cost-effective in the long run (keeping the
channel open longer) and also enables the beneficial use of dredge spoils on the beach.
The new beach disposal plan should include the flexibility to place the sand on the beach in an area
directly adjacent to The Point on the inlet shoreline, on the oceanfront beach within 1000 ft. of the inlet,
and in the previously authorized 5,800 linear ft. oceanfront disposal area. A map indicating this entire
area is attached. The Town would like the flexibility to direct that the Corps of Engineers place these
dredge spoils at whichever location in this area would provide the maximum storm protection and
recreational benefits at that particular time,

It should be noted that the Town is funding a comprehensive Waterbird Management Plan implemented
by the NC Wildlife Resources Commission. The primary goal of this plan is to protect habitat for
endangered and threatened species and other valuable waterbird species. The current implementation of
this plan should offset any concerns regarding the placement of the dredge spoil material directly on the
inlet shoreline or on the oceanfront beach within 1000 ft. of the inlet. Additionally, the window for this
work is expected to be between November 15 and April 30 of each year, which should further mitigate
any waterbird concerns in these areas.
Care should be taken to insure that any dredging activities do not discourage the stable location of the
main inlet / ocean bar navigational channel in Bogue Inlet, The Town of Emerald Isle invested a
significant sum of money to relocate the main inlet / ocean bar navigational channel in 2005, and has
requested that future Corps of Engineers' dredging activities encourage the stable location of this channel
as much as practical. The proposed location of the Coast Guard dredging would not appear to impact the
main inlet / ocean bar navigational channel in any significant way, however, the Town requests that the
Corps and the Coast Guard consider this issue in formulating plans.
In closing, the Town reiterates its support for this project, and expresses its sincere appreciation to the US Coast
Guard and US Army Corps of Engineers for their efforts to protect and benefit the Emerald Isle area.
Please do not hesitate to contact me if the Town can be of further assistance.
Sincerely,
r
Frank A. Rush, Jr.,
Town Manager
copy: Mayor Schools and Board of Commissioners
Greg Rudolph, Carteret County Shore Protection Office

Town Continues to Monitor 1,000 Linear Ft. Erosion Area Closely
It's now been 27 months since the Town completed a project that relocated the main
channel in Bogue Inlet approximately 3,500 feet west of The Point shoreline in
Emerald Isle.
I' The new channel continues to maintain depths of 10 -25 feet throughout, and has
needed significantly less maintenance than in the past. This has been particularly
good news due to the continued challenges to secure Federal funding for periodic
I' sidecast maintenance dredging.
' The beach directly at The Point adjacent to the inlet has accreted by nearly 1,000
feet since 2005, and continues to grow. This predicted natural accretion was the
primary goal of the Town's project, which also nourished about 4.5 miles of
' oceanfront beach in central and western Emerald Isle. The Town is extremely
pleased with this result.

Another positive result of the project is the significant accretion that has occurred on '
the eastern tip of Hammocks Beach. A continuous shelf of inter -tidal sand
approximately 2,500 feet long is now in place between the new main channel and
Bear Island. This area is a popular spot for boaters and their families to enjoy the ,
sun, sand, and surf.
The Town has been engaged in rigorous environmental monitoring of the project
before and after its completion, and there have been no detrimental environmental
impacts whatsoever.
The Ione outstanding concern is the erosion of the vast dune field along an
approximately 1,000 linear ft. stretch of oceanfront beach directly east of The Point.
This area has experienced approximately 400 ft. of erosion since Hurricane Ophelia
in September 2005. This dune field was once as much as 800 ft. wide, and the
approximately 15 homes in this area are now protected by a dune field that is
approximately 100 -150 feet wide. Although this erosion is disturbing, fortunately no
existing homes are imminently threatened by the erosion.
This erosion is a result of two key events that have occurred over the past 2+
years. The Town's relocation of the main inlet channel in April 2005 has likely
contributed to the erosion in this area, however, this impact was predicted to not
threaten any homes. The other key event was the reopening of the Coast Guard
channel during Hurricane Ophelia in September 2005. The reopening of this channel
by the storm was not anticipated, and allowed significantly more tidal flow to impact
this area. Because offshore sand shoals are moving ashore as a result of the
relocation of the main inlet channel, this migration of sand has been "pinching"
what's left of the old, Coast Guard channel up against the beach in this area,
resulting in the erosion.
The Town believes that this erosion will resolve itself naturally as a wide lobe of sand
on the oceanfront just east of Channel Drive walkway gradually migrates west down
the beach, as predicted, and as has been occurring in recent months. This
migration, along with the continued migration of offshore sand shoals toward the
beach, is expected to result in the cessation of oceanfront erosion in this area.
Recent detailed underwater surveys and aerial photography also illustrate that the
old, Coast Guard channel is in the process of closing off in this area, which will aid in
the recovery process.
u
1
The Town remains concerned about this issue, and is monitoring the situation
closely. The Town is attempting to fill in low spots in the remaining sand dunes to ,
provide additional storm protection for this area, and is currently working through
permitting issues.
The Town is in regular communication with affected property owners in this area via
email and special meetings. If you are impacted by this erosion, and would like to
receive communication, please contact the Town Manager, Frank Rush, at

11203 Inlet Drive Property—The following pictures were taken from the ocean looking
back towards the property and standing at the end of the walkway looking towards the
ocean::
June 26, 1997
•1_ � 1r.:1i•
July 4, 1998

MONITORING & COMPLETION REPORT
[CAMA Major Development & State Dredge & Fill Permits]
PERMITTEE'S NAME: 0� n n 16 CPERMIT #
LOCATION: �✓7`� cvGl j� D r FIELD REP.
PHONE: 7jf3� �f8�I3 DATE REPORTEDLY COMPLETE: Se
DATE OF INSPECTION_
1) Do the easured dimensions of the development differ from those indicated in the permit and workplat?
YES /[circle one].
COMMENT:
2) SEDIMENTATION & EROSION CONTROL: Has Permittee seeded, grassed, or otherwise stabilized all
disturbed areas? NO [circle one]
COMMENT: /V
3) FUTURE MON ORING & ENFORCEMENT ACTION: Is further investigation or enforcement action
needed? Y /NO [circle one].
COMMENT: