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DTSTART;TZID=America/New_York:20250814T150000
DTEND;TZID=America/New_York:20250814T160000
DTSTAMP:20251117T233447Z
CREATED:20250714T182022Z
LAST-MODIFIED:20251117T233447Z
UID:10000656-1755183600-1755187200@fedcommunities.org
SUMMARY:Connecting Communities: Economic Insights from Lower-Income Communities: Findings from the 2025 Community Perspectives Survey
DESCRIPTION:Watch on demand \n\n\n\nJoin us for a presentation of key findings from the 2025 Community Perspectives Survey\, conducted in April and May 2025. The survey captures the current conditions and future outlook of low- and moderate-income (LMI) communities across a range of critical issues\, including: \n\n\n\n\n\nEconomic mobility\n\n\n\nLabor market trends\n\n\n\nHousing\n\n\n\nFinancial stability\n\n\n\nSmall business conditions\n\n\n\nHealth\n\n\n\nDigital access\n\n\n\nEducation\n\n\n\n\n\nThe session will also explore the capacity and needs of organizations that serve LMI communities – focusing on their ability to deliver services\, access resources\, maintain staffing\, and manage expenses. \n\n\n\nRelated materials: Findings from the 2024 Community Perspectives Survey \n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\n\n\n\n\nDr. Kelvin AdamsPresident and CEOSt. Louis Community Foundation \n\n\n\n\n\n\n\n\n\nMichael E. Collins\, Jr.Vice President of Housing and Financial CapabilityNational Urban League \n\n\n\n\n\n\n\n\n\nDenise Harlow Chief Executive OfficerNational Community Action Partnership \n\n\n\n\n\n\n\n\n\n\n\nSteven HowlandSenior ResearcherFederal Reserve Bank of Kansas City \n\n\n\n\n\n\n\n\n\nSydney DiavuaAssistant Vice PresidentFederal Reserve Bank of St. Louis(moderator) \n\n\n\n\n\nPresented by\n\n\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-findings-2025-community-perspectives-survey/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2025/07/1920-x-1280-Aug-14-CC.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250925T150000
DTEND;TZID=America/New_York:20250925T160000
DTSTAMP:20260327T190257Z
CREATED:20250820T181616Z
LAST-MODIFIED:20260327T190257Z
UID:10000666-1758812400-1758816000@fedcommunities.org
SUMMARY:Connecting Communities: CDFIs Unpacked: Trends and Takeaways from Mission-Driven Lenders
DESCRIPTION:Watch on demand \n\n\n\nEvery two years\, the 12 Federal Reserve Banks survey community development financial institutions (CDFIs) about industry conditions. Join us to hear more about what they’ve shared\, including \n\n\n\n\n\nhow demand for CDFIs’ products and services changed over the past year and may evolve in the future\, \n\n\n\nhow CDFIs leverage public funding to accomplish their work\, and\n\n\n\nwhat challenges CDFIs encountered in meeting demand and delivering on their mission.\n\n\n\n\n\nIn addition to the CDFI Survey\, Federal Reserve Staff connect with community development lenders and financial institutions to better understand economic conditions for a broad range of consumers\, individuals\, and businesses. Attendees will hear more about this outreach\, including how the Federal Reserve engages with local community development lenders and what we’ve learned from several CDFI success stories. \n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\n\n\n\n\nSurekha CarpenterSenior Research AnalystFederal Reserve Bank of Richmond \n\n\n\n\n\n\n\n\n\nThomas GuerraSenior Outreach AdvisorFederal Reserve Bank of Dallas \n\n\n\n\n\n\n\n\n\nTaylor PessinIntermediate Research AnalystFederal Reserve Bank of Richmond \n\n\n\n\n\n\n\n\n\n\n\nAlison ShottSenior AdvisorFederal Reserve Bank of Philadelphia \n\n\n\n\n\n\n\n\n\nSydney DiavuaAssistant Vice PresidentFederal Reserve Bank of St. Louis(moderator) \n\n\n\n\n\nPresented by\n\n\n\n\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-cdfis-unpacked-trends-takeaways-mission-driven-lenders/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2025/08/Sep-25-2025-CC-1920x1280-1.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20251106T110000
DTEND;TZID=America/New_York:20251106T114500
DTSTAMP:20251113T215259Z
CREATED:20251001T194429Z
LAST-MODIFIED:20251113T215259Z
UID:10000682-1762426800-1762429500@fedcommunities.org
SUMMARY:How Your Experience of the Economy Matters to the Fed: A Conversation with Governor Michael S. Barr
DESCRIPTION:Watch on demand \n\n\n\nHow your community experiences the economy—whether you and your neighbors can access employment\, afford your home or small business expenses\, or save for future goals—matters to the Federal Reserve. Through its community development function\, the Federal Reserve builds relationships and regularly engages with communities in every region of the country. The first-hand insights and real-time impressions of economic conditions that arise from these community connections help inform the Federal Reserve’s work. \n\n\n\nJoin us for a special conversation with Governor Michael S. Barr\, the Federal Reserve Board’s oversight governor for consumer and community affairs. Discover how community engagement helps Fed decisionmakers better understand Americans’ day-to-day economic experiences\, concerns\, and opportunities. Hear more about Governor Barr’s background in community development and its role in his work over the years. Learn what he is hearing from communities and businesses around the country and the value he and the Fed gain from these community insights. \n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\n\n\n\n\nMichael S. BarrGovernorFederal Reserve Board of Governors \n\n\n\n\n\n\n\n\n\nGabriella ChiarenzaSenior Writer & Communications AdvisorFed Communities(moderator) \n\n\n\n\n\nPresented by\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/how-your-experience-economy-matters-fed-conversation-governor-michael-barr/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2025/10/connecting-communities-how-experience-economy-matters-fed-conversation-governor-barr.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260205T150000
DTEND;TZID=America/New_York:20260205T163000
DTSTAMP:20260223T183108Z
CREATED:20260107T201329Z
LAST-MODIFIED:20260223T183108Z
UID:10000681-1770303600-1770309000@fedcommunities.org
SUMMARY:Connecting Communities: How Fed Data Tools Can Inform Economic Mobility
DESCRIPTION:Watch On-Demand \n\n\n\nOccupational and economic mobility are crucial for a healthy economy that supports all. Join us for a conversation about the Federal Reserve Banks of Philadelphia and Cleveland’s Occupational Mobility Explorer (OME) and the Federal Reserve Bank of Atlanta’s Career Ladder Identifier and Financial Forecaster (CLIFF) tools. The OME sheds light on skills-based career pathways in the US labor market for jobseekers and employers. CLIFF tools help workers understand how career advancement decisions may affect public benefits\, taxes\, and tax credits. Together\, these two tools can help workers and employers identify potential career advancement opportunities and better understand how such trajectories might better position them for greater economic stability. \n\n\n\nThe session will provide a brief overview of each tool and demonstrate how both can be used together to help inform individuals about their own economic mobility journey. This includes a better understanding of their possible career paths and the potential financial implications of specific occupational choices. Panelists from organizations working to leverage data resources to serve their communities will discuss skills-based hiring\, navigating benefits cliffs\, and fostering partnerships with employers. \n\n\n\nRelated resources:  \n\n\n\n\n\nOccupational Mobility Explorer\n\n\n\nCareer Ladder Identifier and Financial Forecaster\n\n\n\nFed Communities’ Benefits Cliff stories series\n\n\n\nPowerful tool helps job seekers chart a path to higher-paying roles\n\n\n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\n\n\n\n\nJill Avery-StossPresident & CEOThe Institute \n\n\n\n\n\n\n\n\n\nTracey EverettDirectorJobs for the Future \n\n\n\n\n\n\n\n\n\nKyle FeePolicy AdvisorFederal Reserve Bank of Cleveland \n\n\n\n\n\n\n\n\n\n\n\nMayra NunezProgram and Compliance ManagerCareerSource Central Florida \n\n\n\n\n\n\n\n\n\nJohn ReesSenior Community and Economic Development AdvisorFederal Reserve Bank of Atlanta \n\n\n\n\n\n\n\n\n\nSergio GaleanoCommunity and Economic Development AdvisorFederal Reserve Bank of Atlanta(moderator) \n\n\n\n\n\nPresented by\n\n\n\n\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-how-fed-data-tools-inform-economic-mobility/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2025/12/connecting-communities-ome-bc-data-tools.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260409T150000
DTEND;TZID=America/New_York:20260409T160000
DTSTAMP:20260416T182945Z
CREATED:20260224T203606Z
LAST-MODIFIED:20260416T182945Z
UID:10000708-1775746800-1775750400@fedcommunities.org
SUMMARY:Connecting Communities: Unlocking the Voice of Small Businesses: New Insights from the 2025 Small Business Credit Survey
DESCRIPTION:Watch On-Demand \n\n\n\nThe  Small Business Credit Survey (SBCS) has been administered nationally since 2016 by the 12 Federal Reserve Banks in collaboration with a network of hundreds of community and business groups throughout the country. The SBCS gathers information from thousands of small-business owners on business conditions and characteristics\, credit experiences\, and owner demographics. It continues to be the largest national dataset of its kind\, and its reports provide awareness of small business challenges and how owners respond to them.   \n\n\n\nJoin us for an in-depth look at findings from the newly released 2026 Report on Employer Firms. During this webinar\, we’ll explore key insights from the 2025 Small Business Credit Survey\, including:  \n\n\n\n\n\nBusiness financing needs\n\n\n\nCredit approval outcomes and challenges\n\n\n\nCustomer dynamics and trade activity\n\n\n\nAdoption of artificial intelligence\n\n\n\n\n\nWhether you work directly with small businesses\, support economic development efforts\, or are simply interested in understanding today’s small business landscape\, this session will provide timely\, data-driven perspectives.  \n\n\n\nAttendees will also have the opportunity to engage directly with the report’s authors during a live Q&A session\, bringing deeper context and clarity to the findings.  \n\n\n\nDon’t miss this opportunity to gain actionable insights into the challenges and opportunities shaping small businesses nationwide.  \n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\n\n\n\n\nAllison ClarkProject ManagerSmall Business Credit SurveyFederal Reserve Bank of Cleveland \n\n\n\n\n\n\n\n\n\nHal MartinPolicy Economist and DirectorSmall Business Credit SurveyFederal Reserve Bank of Cleveland \n\n\n\n\n\n\n\n\n\n\n\nAnn Marie WierschPrincipal and Senior Policy AnalystFederal Reserve Bank of Cleveland \n\n\n\n\n\n\n\n\n\nSergio GaleanoCommunity and Economic Development AdvisorFederal Reserve Bank of Atlanta(moderator) \n\n\n\n\n\nPresented by\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-unlocking-voice-small-businesses-insights-2025-small-business-credit-survey/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2026/02/1920-x-1280-Nov-6-CC.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260507T150000
DTEND;TZID=America/New_York:20260507T160000
DTSTAMP:20260515T155022Z
CREATED:20260320T154211Z
LAST-MODIFIED:20260515T155022Z
UID:10000718-1778166000-1778169600@fedcommunities.org
SUMMARY:Connecting Communities: Bank On and Reaching the Unbanked in Our Communities
DESCRIPTION:Watch On-Demand \n\n\n\nAccording to the Federal Deposit Insurance Corporation (FDIC)\, approximately 5.6 million households are without a checking or savings account – otherwise known as “unbanked.” Unbanked households lack a secure and safe place to store their money and can miss out on interest gains and credit-building opportunities. \n\n\n\nJoin us for a dynamic webinar featuring leaders from organizations focused on advancing banking access to households through safe and affordable accounts via the Bank On program. Panelists will also explore findings from the most recent Bank On National Data (BOND) Hub\, hosted by the Federal Reserve Bank of St. Louis. \n\n\n\nThis interactive conversation will highlight \n\n\n\n\n\nthe benefits of having a bank account\,\n\n\n\nlessons learned in reaching unbanked and underbanked households\,\n\n\n\nstrategies for building strong partnerships between financial institutions\, local governments\, and nonprofit organizations\, and\n\n\n\nhow data can inform access to banking.\n\n\n\n\n\nWhether you’re a financial institution\, policymaker\, nonprofit leader\, researcher\, or advocate\, this session will provide practical insights to advancing financial access in your community. \n\n\n\nAttendees will also have the opportunity to engage directly with the panelists during a live Q&A session\, bringing deeper context and clarity to the findings.  \n\n\n\nRelated resources: \n\n\n\n\n\nBOND Hub Interactive Data Tool\n\n\n\nBank On National Data Hub: Findings from 2024\n\n\n\nA data hub shows how clients are using their “Bank On” accounts\n\n\n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\n\n\n\n\nJeff LangkampSenior Vice PresidentBank Five Nine \n\n\n\n\n\n\n\n\n\nLisa LockeCommunity Development AdvisorFederal Reserve Bank of St. Louis \n\n\n\n\n\n\n\n\n\nDavid RothsteinSenior PrincipalCities for Financial Empowerment Fund \n\n\n\n\n\n\n\n\n\n\n\nErin WaddellChairBank On Louisville \n\n\n\n\n\n\n\n\n\nSergio GaleanoCommunity and Economic Development AdvisorFederal Reserve Bank of Atlanta(moderator) \n\n\n\n\n\nPresented by\n\n\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-bank-on-reaching-unbanked-communities/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2026/03/May-7-2026-CC-event-banner-image-1920x1280-1.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260604T150000
DTEND;TZID=America/New_York:20260604T160000
DTSTAMP:20260701T033414Z
CREATED:20260327T184818Z
LAST-MODIFIED:20260701T033414Z
UID:10000719-1780585200-1780588800@fedcommunities.org
SUMMARY:Connecting Communities: Highlights from the 2025 Survey of Household Economics and Decisionmaking
DESCRIPTION:Watch on demand \n\n\n\nDuring this Connecting Communities webinar\, researchers from the Federal Reserve Board of Governors will share key findings from the annual Survey of Household Economics and Decisionmaking (SHED)\, which was fielded in October 2025 and will be released shortly before this Connecting Communities event. The survey is a key tool for measuring the economic well-being of U.S. households and identifying potential risks to their finances. \n\n\n\nIn addition to monitoring household financial circumstances\, the survey explores a range of related topics. In 2025\, it introduced new questions about the use of generative AI at work\, alongside expanded modules on Buy Now\, Pay Later\, financial fraud\, homeowners insurance\, and student loan debt. The survey also continues to track other financial topics such as access to credit\, housing affordability\, child care costs\, student loans\, economic hardship\, and banking.  \n\n\n\nAttendees will also have the opportunity to engage directly with the panelists during a live Q&A session\, bringing deeper context and clarity to the findings.  \n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\nAlicia LloroPrincipal EconomistConsumer & Community ResearchFederal Reserve Board of Governors \n\n\n\n\n\n\n\n\n\nEllen MerryPrincipal EconomistConsumer & Community ResearchFederal Reserve Board of Governors \n\n\n\n\n\n\n\n\n\n\n\nMike ZabekPrincipal EconomistConsumer & Community ResearchFederal Reserve Board of Governors \n\n\n\n\n\n\n\n\n\nSergio GaleanoCommunity and Economic Development AdvisorFederal Reserve Bank of Atlantamoderator \n\n\n\n\n\nPresented by\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-highlights-2025-survey-household-economics-decisionmaking/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/png:https://fedcommunities.org/wp-content/uploads/2023/06/shed-connecting-communities-0713.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260806T150000
DTEND;TZID=America/New_York:20260806T160000
DTSTAMP:20260707T172512Z
CREATED:20260630T184756Z
LAST-MODIFIED:20260707T172512Z
UID:10000743-1786028400-1786032000@fedcommunities.org
SUMMARY:Connecting Communities: Understanding Benefits Cliffs: Evidence\, Insights\, and Open Questions
DESCRIPTION:Benefits cliffs are increasingly recognized as a critical barrier to economic mobility in communities across the country. When a raise\, promotion\, or new job pushes an individual or family above eligibility thresholds for public benefits\, the result can be a net financial loss. This creates difficult choices for workers\, employers\, and policymakers. \n\n\n\nAs awareness of benefits cliffs grows\, so does momentum around research\, policy innovation\, and community-driven solutions. This webinar will bring together researchers and practitioners to explore the latest evidence on how benefits cliffs affect workforce participation and economic opportunity\, highlight promising strategies emerging from innovative pilots\, and identify priorities for future research. \n\n\n\nDuring this event\, participants will learn more about \n\n\n\n\n\nkey research findings on how benefits cliffs affect employment and advancement decisions for workers and job seekers\,\n\n\n\nlearnings from innovative pilot programs designed to reduce the impact of benefits cliffs\, and\n\n\n\na research agenda that can inform more effective\, equitable solutions for policymakers\, community-based organizations\, and employers.\n\n\n\n\n\nRelated resources: \n\n\n\n\n\nWhat Are Benefits Cliffs?\n\n\n\nThe Research Landscape for Benefits Cliffs: Reviewing the Benefits Cliffs Research\n\n\n\nBenefits Cliff Story Series – Fed Communities\n\n\n\n\n\n\nRegister\n\n\n\n\n\n\n\n\n\n\nSpeakers\n\n\n\n\n\n\n\n\n\nKeith BarnesSenior DirectorBeyond the Cliff\, Martha O’Bryan Center \n\n\n\n\n\n\n\n\n\nAnna FogelVice President\, Impact AdvisorySocial Finance \n\n\n\n\n\n\n\n\n\nAnna HillAssociate Director of Research DevelopmentMaxwell X Lab\, Syracuse University \n\n\n\n\n\n\n\n\n\n\n\nJohn OlsonAssistant Professor of InstructionNorthwestern University School of Education and Social Policy \n\n\n\n\n\n\n\n\n\nAlex RuderAssistant Vice PresidentCommunity and Economic DevelopmentFederal Reserve Bank of Atlanta \n\n\n\n\n\n\n\n\n\nSergio GaleanoAdviserCommunity and Economic DevelopmentFederal Reserve Bank of Atlantamoderator \n\n\n\n\n\nPresented by\n\n\n\n\n\nLocation\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nAbout Connecting Communities®\n\n\n\nReal people. Real research. Real conversations. \n\n\n\nConnecting Communities is a Federal Reserve-sponsored webinar series providing timely information on community and economic development issues. It complements Fed community development outreach initiatives conducted through the 12 regional Reserve Banks and Federal Reserve Board of Governors.  \n\n\n\nHave questions about the program? Contact us. 
URL:https://fedcommunities.org/event/connecting-communities-understanding-benefits-cliffs-evidence-insights-open-questions/
LOCATION:Virtual Event
CATEGORIES:Connecting Communities
ATTACH;FMTTYPE=image/jpeg:https://fedcommunities.org/wp-content/uploads/2026/06/benefits-cliff-connecting-communities.jpg
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