What programs / positions were cut the School Budget in prior years? These are likely not coming back!

I recall viewing a more current version of this but haven't been able to locate it at this time. In the meantime, as the preparations for the School Budget Hearing on Tuesday are underway, this is an aspect of the budget information not regularly covered (one of the reasons I can't find a more current version).

From the budget prep for the 2017 school budget workshop comes this gem that summarizes programs cut since FY 2003. 

What? The Schools have been cutting since 2003? Yup, you see the listing here

------------------

Summary of Reductions and Efficiencies

FY 2018
● Balance budget using revolving funds
● Depart from SC guidelines as to use of Circuit Breaker funds
○ Use funds in fiscal year rather than bank funds

FY 2017
● Balance budget using revolving funds
● Depart from SC guidelines as to use of Circuit Breaker funds
○ Use funds in fiscal year rather than bank funds

FY 2016
● Reduction of K-5 teachers due to declining enrollment
● Implement online payments of officials in athletic department
● Expand online ticket sales for athletic events
● Balance budget using revolving funds
● Depart from SC guidelines as to use of Circuit Breaker funds
o Use funds in fiscal year rather than bank funds

FY 2015
● Competitive bid pricing for purchase of devices / chrome books and laptops
● Implementation of breakfast program
● Reebok BOKS Program
● Transition to Tufts Insurance - same benefits at lower cost
● Copier/Printer solutions at FHS

FY 2014 Efficiencies
● Collective Bargaining Agreements with all support personnel/Sustainable
Agreements over three years
● Partnership with Hockomock YMCA - successful grants to support Wellness
● Partnerships with Dean College
● Hired Van Pool to take over special education transportation

FY 2013
Collective Bargaining Agreement with FEA - sustainable contract over four years

FY 2012
● Partnership with FHS and Dean College Fine Arts program
● DESE Educator Evaluation grant for professional development and HR audit

FY 2011
● Eliminated contractual services for OT/PT through a third party and hired
personnel
● MASBO Transportation audit
● Food Service- Privatized Management / WHITSONS

FY 2010 Reductions
● Eliminate K-12 Librarians 4 positions - no librarians at any school
● Eliminated 1 Assistant Principal HS
● Replaced 4 PE/Health Teacher’s with ELA, Math, Science, Sped Teachers
● Reduced Health /PE classes
● Stimulus Funds Used to supplement other positions
● HS schedule change from 7 period day to 6 period - impact students have fewer Course offerings- narrowed curriculum equates to less competitive academic program at HS
● Eliminated Latin at MS - all students take Spanish (could not find teachers
however it facilitated equitable scheduling across all three schools)

FY 2009 Reductions
● Eliminated 1 Assistant Principal at HS
● Eliminated 1 Administrator /Assistant Special Education Director
● Eliminated 45 Teaching Positions

• High School 17 positions
• Middle School 12.5 positions
• Elementary 15 positions and 4 specialist teachers reduced from Full -time to Part-time

● Reduced Extracurricular Clubs and activities by 1/3
● Increased Pay to Ride Bus Fee
● Increased Building Use Fees to offset administrative costs

FY 2008 Reductions
● Eight Custodians
● One HS Administrative Liaison
● 1.5 Educational Assistants (FHS and Brick School)
● Fourteen Professional Teaching Positions

• Three Technology Curriculum Integration Teachers
• Three MS Health/PE Teachers
• One MS School Adjustment Counselor
• Seven Elementary Teachers

● 1 Technology Administrator
● 1 Special Education Coordinator
● K-5 Coordinator Stipends (Tech, Science, Spanish)
● Eliminated Core Curriculum Teams
● Reduction of HS substitute teacher budget
● Reduction of Facilities cost / Brick School - grant funded
● Extracurricular Fees Implemented $25/student at HS and MS levels
● Increase HS Athletic Fee to $125
● Increase Pay to Ride Transportation Fee by $25
● NEASC Dues Elementary and Middle Schools – let accreditations lapse
● Reduction in general supply budget at all levels

FY 2007 Reductions
● Three Trades Personnel (Carpenter, Plumber and Electrician) transferred out of
School budget to Town budget
● One Educational Assistant position eliminated
● Supply budgets reduced at schools

FY 2006 Reductions
● Elimination of weekend security for all school facilities
● Elimination of Facilities summer job program for Franklin youth
● Two Central Office positions (Title I Coordinator, Assistant Director of Finance)
eliminated
● Two Custodial positions eliminated
● Elimination of French language instruction at Middle Schools
● Reduction of Professional Development budget

FY 2005 Reductions
● Reduction in general supplies and maintenance supplies for the schools
● Reduction in Professional Development
● Elimination of a Foreign Language position
● Assumed $100,000 in trash costs from the Town

FY 2004 Reductions
● Twenty-One Teaching Positions eliminated
● Limited public access to schools on weeknights and weekends
● Bus fees increased to older students and those living within 2 miles
● Reduction in Technology budget
● Increased student-athlete fees
● Increased school lunch cost to cover cost of health insurance for Cafeteria
Staff-had been paid for by Town
● Reduction in budget for materials and supplies
● Eliminate budget for purchase of textbooks (2004-Present textbooks purchased through Capital Funds voted by the town or from supply budgets)

FY 03 Reductions
● No additional staff hired – enrollment up 400 students
● Supply and equipment purchases curtailed
● MS guidance program eliminated
● Building Use fees implemented in 2003
● Athletic fees increased
● Pay-to-Ride Transportation initiated
● PCC’s funded more programs, athletics and extracurricular activities
● All Field Trips funded by PCC’s
● Six elementary positions in Health/PE in elementary cut
● Elementary Health eliminated from curriculum
● Elementary PE reduced from twice to once a week
● Six middle school positions eliminated, reducing that program by 1/3
● Two elementary Music positions eliminated
● Elimination of the 4th grade Instrumental Music Program
● One middle school Music position eliminated
● Two elementary Spanish positions eliminated
● Elementary Spanish instruction reduced from twice to once a week
● Two middle school Science specialist positions eliminated
● One 6th grade teaching position cut at Remington, increasing class size
● Five middle school Educational Assistant positions cut
● One HS Special Education Teacher eliminated, increasing class size
● One HS Reading/English Teacher eliminated

This listing was copied from the Budget Documents prepared for the October 10, 2017 School Committee budget workshop
https://drive.google.com/open?id=0B0wjbnXDBhczcTV2QldjaXg4bUdqaUlhUXkzbmI5UHJvUkxr

From the March 2018 Franklin Matters archives ->    https://www.franklinmatters.org/2018/04/franklin-public-schools-summary-of.html

School Budget hearing Tuesday, March 28 at 7 PM

Register O'Donnell Promotes Massachusetts Homestead Act

Register of Deeds William P. O'Donnell today reminded Norfolk County homeowners about the importance of filing for Homestead Protection.

O'Donnell noted, "If you own a home, and it is your primary residence, you have an automatic homestead exemption of $125,000. However, if you file a Declaration of Homestead at the Registry of Deeds, the exemption increases to $500,000. The Homestead Law provides a homeowner with limited protection against the forced sale of their primary residence to satisfy unsecured debt up to $500,000 if they have filed. This is especially important when you consider that for most of us, a home is our most valuable asset. Consumers should take steps to protect that asset." 

Another feature of the Homestead Law is the allowance for the filing of an Elderly Homestead Declaration, which defines an elder as a person who is 62 years of age or older and provides protection of $500,000 for each qualified person.

The Register further noted, "In March of 2011, the Homestead Law was updated so that a valid Homestead is not terminated when refinancing a mortgage. Other changes that took place back in 2011 state that a Homestead can provide protections for a primary home even if it is held in a trust. The definition of a primary residence was also expanded to include a manufactured or mobile home." 

Register O'Donnell Promotes Massachusetts Homestead Act

A Declaration of Homestead also protects the sale proceeds if the home is sold for up to one year after the date of the sale or on the date when a new home is purchased with the proceeds, whichever comes first. Additionally, if the home is damaged by a fire, for example, the insurance proceeds are protected for two years after the date of the fire or on the date when the home is reconstructed or a new home is purchased, whichever is earlier.

While the Homestead Statute provides important protections for homeowners, it is important to note that certain debts are exempt from protection under the Homestead Act. These include federal, state, and local tax liens, as well as mortgages contracted for the purchase of a primary home and nursing home liens. Most other mortgages, debts, and encumbrances existing prior to the filing of the Declaration of Homestead, along with probate court executions for spousal and child support, are also not covered under the Homestead Protection Statute.

Declarations of Homestead are recorded at the Registry of Deeds for a state-imposed fee of $36.00. Additional information about the Homestead Law and the forms are available at no cost by going to the Registry's website at www.norfolkdeeds.org.

Register O'Donnell concluded, "I want to reiterate that a Homestead provides limited protection against the forced sale of a homeowner's primary residence to satisfy unsecured debt up to $500,000. While the debt is still owed, homeowners can have peace of mind knowing that with a Declaration of Homestead recorded at the Registry of Deeds, their primary residence cannot be forcibly sold to satisfy most debts."

If you have any questions about a Homestead, please contact the Norfolk County Registry of Deeds Customer Service Center at 781-461-6101, Monday through Friday between the hours of 8:30 a.m. and 4:30 p.m.

To learn more about these and other Registry of Deeds events and initiatives, "like" us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry's website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

Town of Franklin: Franklin land owners are encouraged to attend our Converse and Conserve workshop - Mar 29

"Franklin land owners are encouraged to attend our Converse and Conserve workshop on 3/29/23 from 4 PM - 6 PM at Town Hall. Come learn more about applicable tax incentive programs for your land, resource management and endowment!

Learn more and RSVP here: https://t.co/jz4DeI9egH"

Shared from Twitter -> https://t.co/tkVsFuFKLu

Town of Franklin: Franklin land owners are encouraged to attend our Converse and Conserve workshop - Mar 29

FHS Jazz Band brings home Gold Medal

The FHS Jazz Band brings home the Gold Medal from the Mass Assoc of Jazz Education (MAJE) State finals  http://majazz.weebly.com/

FHS Jazz Band brings home Gold Medal

Shared from -> https://www.instagram.com/p/CqQPbL1utcU/

Frank Presents : 049 - Nick Remissong (audio)

In this episode, Frank Falvey sits down with Franklin resident Nick Remissong to discuss his background, his journey into Christianity, his musical background and much more.

Audio file -> https://frank-falvey.captivate.fm/episode/049-frank-presents-nick-remissong

Frank Falvey - WFPR & Franklin TV

Frank Falvey dives into current events, hot button topics and invites guests give their insights

Frank Falvey examines everything from Franklin to U.S. politics; from current events to the local community, giving his personal thoughts and considerations. Frank is also joined by local guests to talk the Franklin community and dissect current events

Subscribe via your favorite podcast app or find all episodes in one place -> 

https://frank-falvey.captivate.fm/episodes 

Frank Presents : 049 - Nick Remissong (audio)

Franklin TV and wfpr.fm schedule for Monday, Mar 27, 2023

•  wfpr.fm or 102.9 on the FM dial = Monday

9 AM 12 PM and 6 PM Talkin’ the Blues – Jim Derick & Nick Remissong
2 hours of awesome blues music, info, interviews

11 AM 2 PM and 8 PM A More Perfect Union – Discussing American Politics and Current Events - Peter Fasciano, Dr. Michael Walker Jones, Dr. Natalia Linos, State Rep Jeff Roy, Chris Woolf, and Nick Remissong host a round table discussion on current events and American politics, bringing about thoughtful conversation, compelling discourse, and a look at what the future might hold for the United States.

• Franklin All Access TV - Our Public Access Channel (Comcast 8, Verizon 26) = MONDAY

8:00 am SAFE Coalition: Kyle Brodeur

9:00 am        Concerts on the Common: Ken DoRosario

12:00 pm Brook'n'Cookin: Taquitos

12:30 pm Sandhya: Macaroons

1:00 pm     Cooking Thyme: Fish

1:30 pm     Pizzapalooza: Healthy Pizza Crusts

2:00 pm New England Candlepins: Fall 2019 Show 7

3:00 pm Candlepin New Generation: Show 5

3:30 pm     Drink Responsibly: La Cantina Winery

4:00 pm Winning Ways with the MIAA: Student Athletes

5:00 pm Extended Play Sessions: Season 10 Show 9 - Coronas

6:00 pm Veterans' Call: John Milot

8:00 pm Frank Presents: Caron Grupposo

9:00 pm Circle of Friends: Tracy Grammer

• Franklin Pride TV - Our Educational Channel (Comcast 96, Verizon 28) = MONDAY

9:00 am     Winning Ways with the MIAA: Student Athletes

10:30 am Public School Event: Horace Mann Winter Music 2021

12:00 pm FHS Boys Varsity Basketball: v Milford 01-27-23

2:00 pm SAFE Coalition: Kyle Brodeur

3:00 pm FHS Band

4:30 pm     FHS Girls Varsity Basketball: v Mansfield 01-24-23

6:30 pm     All-Town Showcase: Band

8:00 pm School Committee Redistricting Analysis

• Franklin Town Hall TV - Our Government Channel (Comcast 11, Verizon 29) = MONDAY

8:00 am Planning Board: 03-13-23

12:00 pm Economic Development 03-22-23

2:00 pm Planning Board: 03-13-23

5:00 pm Economic Development: 03-01-23

7:00 pm        Planning Board: LIVE, Chambers 823 7564 6781

Get this week's program guide for Franklin.TV and Franklin Public Radio (wfpr.fm) online  http://franklin.tv/programguide.pdf  

Franklin.TV and Franklin Public Radio (wfpr.fm)

School Budget hearing Tuesday, March 28 at 7 PM - what we know, what we don't know

What we know: The Superintendent's recommended budget is asking for $2.8M more than last year. The Town only has about $3.2M in new growth forecasted. If the schools got their increase, then the remaining $.4M would be spread among the remaining Town functions: police, fire, DPW, Library, Senior Center, etc. So the $2,8M ask is not likely to be fully funded. 

What we don't know: How will the School budget be funded? Where will the funds come from? There is a Legislative Forum scheduled for April 10 but respectfully, we can't count on additional help from the State. 

The revised school funding formula, the Student Opportunity Act (SOA) already did that by keeping Franklin (and a few other communities) as 'held harmless.' What that means is that the old formula provided more funds to Franklin than the new one would. We benefited greatly during our growth periods of the 90's and 00's under the old formula. Now that our enrollment is in decline, rather than take away the excess of what the formula should give us (currently $11M) they are holding us harmless. 

We can thank our legislative delegation Senate President Karen Spilka, Senator Becca Rausch and State Representative Jeff Roy for this action. In addition to keeping us 'harmless' they did see that we could still benefit from state funding for our two biggest drivers of cost; Special Education Circuit breaker and transportation. 

For additional information on the complexity of transportation, Worcester School Committee member Tracy Novick writes:

"This piece about Fall River Mayor Paul Coogan discussing a home rule petition on transportation led me to tweet out this thread this morning, as it appears that two things are being confused. 

First, student transportation doesn't count towards net school spending in any district. Net school spending is specifically defined in 603 CMR 10.06, and it's standard: there isn't a difference between a regional and a municipal school district. There's a handful of things it doesn't include--crossing guards and building rentals are two others--and that's the case for every district.

What is different between municipal and regional district transportation is state reimbursement. Regional districts, under MGL Ch. 71, sec. 16C, have a requirement as to whom they furnish transportation and it is state reimbursed:

...the commonwealth shall reimburse such district to the full extent of the amounts expended for such transportation, subject to appropriation; provided, however, that no reimbursement for transportation between school and home shall be made on account of any pupil who resides less than one and one-half miles from the school of attendance, measured by a commonly traveled route.

The required transportation is reimbursed by the state, generally at about 75%, though this year it is projected to be 90%. "

Continue reading Tracy's piece here -> 

http://who-cester.blogspot.com/2023/03/a-note-on-transportation-reimbursements.html

The agenda doc contains remote participation info ->  https://www.franklinps.net/sites/g/files/vyhlif4431/f/agendas/scagenda_3-28-23docx.pdf

The FY 2024 budget documents arranged in sections ->

https://www.franklinps.net/district/school-district-budget/pages/1-fy2024-budget

School Budget hearing Tuesday, March 28 at 7 PM

Franklin TV: Archives?

Moving our analog world over to our digital world 

by Pete Fasciano, Executive Director 03/26/2023

Now, let’s seeee…. Where – uh, did I put that?

Organizing all our personal records? Some of us do okay. Most of us? Not so much. Then there are massive records.  Records that are maintained for years.  Digital records that require Terabytes to Petabytes of redundant ‘can’t fail’ digital storage.

This is the world (and cloud) that we now live in.

Want to know why medical costs keep rising? One cost is – archiving – as part of a deep digital backbone of information that doctors and nurses can access your medical issues and history on demand during your appointment. We all want that. We also have to pay for it. It’s a necessary ‘inbuilt’ cost of a digital archive system. It’s known as digital overhead, and its labor and maintenance cost is steep.

Franklin TV: Archives?

Same holds true for government records. How long to keep? That number keeps increasing as present-day meeting archives slip into historical records.

An old military joke:

“ Sir, can we dump all these old records?”

“ Sure. Just make three copies first.”

At Franklin●TV we have thousands of analog videotape hours of town meetings, going back to when ‘The Town of Franklin’ was in fact a town. We also have even more of the same in DVD form. These older records are at high risk of becoming unretrievable because those old videotapes and DVD’s have a limited shelf life. The equipment to play them back is also obsolete and becoming harder to come by.

Professional archivists estimate that perhaps 95% of all old video records will simply vanish. We at Franklin●TV are researching how we might be the lucky 5%.

Thanks for listening to 102.9 wfpr●fm. 

And – as always – thanks for watching.

Get this week's program guide for Franklin.TV and Franklin Public Radio (wfpr.fm) online  http://franklin.tv/programguide.pdf   

Community Relations Subcommittee Meeting - March 29 (virtual only)

Franklin Public Schools - Franklin School Committee

Community Relations Subcommittee

March 29, 2023 - 5:30 PM

Virtual Only

A G E N D A

"The listing of matters are those reasonably anticipated by the Chair which may be

discussed at the meeting. Not all items listed may in fact be discussed and other items not listed may also be brought up for discussion to the extent permitted by law."

●  Legislative Forum

The agenda doc contains remote participation info -> 

https://www.franklinps.net/sites/g/files/vyhlif4431/f/agendas/community_relations_sub_comm_agenda_3_29_23.pdf

5th Annual Legislative Forum scheduled - Monday, April 10, 2023

FHS Hiking club schedules a fun night of trivia - March 29 from 6 to 8 PM

Join Hiking club on Wednesday March 29 for a night full of trivia, baked goods, and fun. This event will be located in the Franklin High School Cafeteria and take place from 6 to 8 PM. 

Students are welcome to bring their friends and family members of all ages . 

The trivia theme this year is pop culture! Teams will be made up of 6 people. Additionally, there will be prizes and a bake sale. 

The cost is $5 a person and free for anyone under the age of 12. Venmo and cash will be excepted at the door. 

Stop by to support the FHS Hiking club and enjoy a fun night of trivia.

Shared from Pantherbook -> https://franklinpanthers.us/top-stories/2023/03/24/hiking-club-is-hosting-a-pop-culture-trivia-night/

FHS Hiking club schedules a fun night of trivia - March 29 from 6 to 8 PM

Franklin Food Pantry: Donor Nibble - the March 2023 newsletter

FY22 Annual Report, Empty Bowls & Building Update

March 2023 - Donor Nibble   FFP FY2022 Annual Report We are excited to share our FY22 Annual Report. This snapshot of Franklin Food Pantry's finances, programs, donors, staff and neighbors provides an update on our operations and the impact of your support.   This year's report highlights our strategic decision to make permanent the multiple methods of distribution, and other initiatives, implemented during COVID, including Weekly In-Person Shopping (instead of monthly), additional Mobile Pantry sites, Curbside Distribution, organic Community Garden produce and Home Delivery. Check out the full report in the link below! Annual Report FY2022 We received a note recently that reminded us of the positive impact we are making together as a community. "Thank you for making the experience of needing and asking for assistance such an easy, positive, and comfortable one. It can be very difficult to disclose to others when your family is struggling. Everyone at the Franklin Food Pantry has been so warm and welcoming that my anxiety about the process is gone." ~ Neighbor 8th Annual Empty Bowls Dinner and Auction Tickets are available now! Empty Bowls Tickets The 8th annual Empty Bowls Dinner and Auction fundraiser will take place on May 18th to benefit the Franklin Food Pantry. The May 18th fundraiser, includes a simple meal of soup and bread, meant to remind guests of the many "empty bowls" that exist in the lives of those who experience hunger. Dinner guests choose hand-made bowls to take home as a reminder that "somewhere, someone's bowl is empty." Click to Sponsor Empty Bowls Building Update "It's not about the building, it's about what we will do in the building." Plans for our upcoming move are moving along! We can't wait to welcome neighbors into our new space. Click the button above for the latest building updates! DAF Direct Legacy Gifts Help ensure that The Pantry will be here to serve our community in the future by making a legacy gift. This can be as simple as leaving a percentage of your estate to The Pantry in your will. Donor Advised Funds Did you know that you can make a tax-free qualified charitable distribution at any time from your IRA if you are 70½ or more years old.  Please seek the advice of your tax accountant or attorney.  From the Massachusetts Nonprofit Network Universal State Charitable Deduction Update The long-delayed Massachusetts state charitable contributions deduction took effect on January 1, 2023. This deduction is now available to all donors including those who don't itemize deductions on their federal tax returns.   Thank you for supporting The Pantry!

Franklin Food Pantry | 43 WEST CENTRAL STREET, Franklin, MA 02038 Sent by cjamison@franklinfoodpantry.org powered by Try email marketing for free today!

wbur.org: "Special education planning form gets revamp in Mass. for first time in 20 years"

"It’s all about perception of self," he said. "If the system does not view you in a positive way how are you going to succeed?"

But now, for the first time in 20 years, the Massachusetts Department of Elementary and Secondary Education (DESE) has updated its suite of IEP resources, starting with forms that invite more student input about their educational goals and plans. That feedback will be critical to developing the student's IEP, which lays out the services the student receives in a school year.

Advocates and educators across the state say they're optimistic that the new IEP forms and process it generates will lead to a more high-quality IEP and improve the overall educational experience for students with disabilities.

The overhaul is the result of a nine-year effort led by the state department of education and guided by teachers and administrators, as well as advocates like Gabovitch and Julia Landau, a senior project director with the Massachusetts Advocates for Children."

Continue reading the article at wbur.org/ 

https://www.wbur.org/news/2023/03/24/special-education-improved-forms-process

wbur.org:  "Special education planning form gets revamp in Mass. for first time in 20 years"

The News Literacy Project - info graphic on levels of scientific evidence

"#Educators: Teach students to evaluate scientific evidence with this resource created with @DrKatEpi 👇🏾

8️⃣ levels of evidence are ordered from weakest to strongest & reflect a spectrum of quality, so students can visually grasp differences: https://t.co/YQHK8ya4Al " or  https://newslit.org/educators/resources/levels-of-scientific-evidence/?utm_id=Science-Infographic

 Shared from Twitter -> https://t.co/ioYaGJTFj0

The News Literacy Project - info graphic on levels of scientific evidence

FTC Action Leads to Lifetime Industry Ban for Operators of ‘Extended Vehicle Warranty’ Scam

"As a result of a Federal Trade Commission lawsuit, the operators of a telemarketing scam that called hundreds of thousands of consumers nationwide to pitch them expensive “extended automobile warranties” will face a lifetime ban from the extended automobile warranty industry and from all outbound telemarketing.

Under the terms of proposed court orders, three companies and their owners that were charged by the FTC with running the operation that scammed consumers out of millions of dollars would be permanently banned from participating in the extended automobile warranty market, as well as from any further involvement in outbound telemarketing.

“AVP misled consumers about who they were and what they were selling and called a large number of consumers who were on the FTC’s Do Not Call List,” said Samuel Levine, Director of the FTC’s Bureau of Consumer Protection. “Today’s order banning five defendants from the industry and imposing a monetary judgment of $6.6 million continues the Commission’s aggressive crackdown on telemarketing fraud.”

Continue reading the FTC press release ->

https://www.ftc.gov/news-events/news/press-releases/2023/03/ftc-action-leads-lifetime-industry-ban-operators-extended-vehicle-warranty-scam

FTC Action Leads to Lifetime Industry Ban for Operators of ‘Extended Vehicle Warranty’ Scam