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Q: Hispanics - Demographics, Research, Info Search ( Answered 5 out of 5 stars,   0 Comments )
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Subject: Hispanics - Demographics, Research, Info Search
Category: Relationships and Society > Politics
Asked by: jred-ga
List Price: $100.00
Posted: 21 Oct 2003 10:40 PDT
Expires: 20 Nov 2003 09:40 PST
Question ID: 268306
I am very interested in finding out all I can regarding the 
demographics on Hispanics, most specifically in southern Louisiana, 
but also generally all over the U.S.  The latest census info is a good
starting point, but I want to know who has delved much deeper.  I'm 
interested in determining the numbers of Hispanics, how well they were
counted by the census, breakdowns in detail - whereever available - re
financial impact - as consumers, business owners, as Republicans, as 
Democrats, as unregistered voters, as illegals, migratory habits, 
voting trends (e.g., shift to more Republican with gains in 
affluence).  Who are they, where are they living, how are they living,
where are they spending their money, where are they working, do they 
have HEALTH CARE, what kind of access do they have to SOCIAL SERVICES,
EDUCATION, ETC.  What percentages are completing high-school, what 
wages are they earning, what organizations are out there that provide 
assistance, support, education (whether they are reaching the 
Hispanics or not), who else is studying this, compiling data, how do I
find them.  INTERNET LINKS, STATISTICAL STUDIES/DIAGRAMS/CHARTS (WITH 
AUTHOR INFO), ALSO POWERPOINT/COMPUTER PROGRAMS/PRESENTATIONS, SOURCES
OF (MORE RAW) DATA THAT CAN BE ANALYZED, MAGAZINE ARTICLES/CITATIONS, 
CONTACT NAMES/INFO ALL MUCH APPRECIATED. 
   AND WHO ELSE HAS WORKED ON THIS, OR IS WORKING ON THIS, WITH WHOM I
CAN SHARE INFO AND DATA TO BE FURTHER STUDIED?

Request for Question Clarification by umiat-ga on 21 Oct 2003 11:34 PDT
jred,
 I have pretty close ties to Hispanic issues and I am very interested
in your question. However, you have asked a for a multitude of facts
which will require a great many hours of research. Please be mindful
that since a researcher only receives 75% of the question price, I
will have to work within those parameters. I may not be able to find
information on every aspect of your question within the price offered.
I just want you to be aware that there are some limitations on the
number of research hours at the current price. However, I will
commence my research and come up with what I can under the price
allotted, okay?

umiat-ga

Clarification of Question by jred-ga on 22 Oct 2003 08:48 PDT
10-22-03:  Umiat,
  I just noticed your note, and I agree fully.  Although my budget is
very tight, I will arrange to do a follow-up query allowing you more
time and recompense.
   You come with great references, and I'm happy and excited my query
got your attention.
John
Answer  
Subject: Re: Hispanics - Demographics, Research, Info Search
Answered By: umiat-ga on 22 Oct 2003 14:33 PDT
Rated:5 out of 5 stars
 
Hello, jred-ga!

 Here is some information to get you started! I think it will keep you
busy for quite some while :) There are numerous organization links
that should open up more sources of information and a number of
reports I have referenced that you can read at your leisure.

 
==========================
CENSUS PROFILE - LOUISIANA
==========================

2001 Estimate
------------
Hispanic Origin - Total Population - 4,329,436
Hispanic or Latino of any race - 103,777
Mexican	- 29,866
Puerto Rican - 5,318
Cuban - 6,354
Other Hispanic or Latino - 62,233

2002 Estimate
-------------
Hispanic Origin - Total Population - 4,347,642
Hispanic or Latino of any Race - 106,445
Puerto Rican - 8,406
Cuban - 4,491
Other Hispanic or Latino - 57,342 		 
  
From the American Community Survey Change Profile 2001-2002. US Census
Bureau
http://www.census.gov/acs/www/Products/Profiles/Chg/2002/0102/Tabular/040/04000US221.htm



============================
CENSUS PROFILE - NEW ORLEANS
============================

 If you are interested in the census data for New Orleans, in
particular, you may go to the Census data link at:
http://www.census.gov/acs/www/Products/Profiles/Chg/2002/0102/Tabular/380/38000US55601.htm



==============================
CENSUS PROFILE - UNITED STATES
===============================

2001 Estimate
-------------
Hispanic Origin - Total Population - 288,017,622
Hispanic or Latin of any a Race - 36,200,781
Mexican - 22,718,953
Puerto Rican - 3,664,806
Other Hispanic or Latino - 8,476,313

2002 Estimate
-------------
Total Population - 280,540,330
Hispanic or Latino of any race - 3,872,475
Mexican - 23,999,836
Puerto Rican - 3,608.309
Cuban - 1,357,744
Other Hispanic or Latino- 8,906,586

From "American Community Survey Change Profile 2001-2002". US Census
Bureau (Last revised: Tuesday September 02, 2003)
http://www.census.gov/acs/www/Products/Profiles/Chg/2002/0102/Tabular/010/01000US1.htm




============================================================
FACTS ON THE HISPANIC/LATINO POPULATION IN THE UNITED STATES
=============================================================

Numerous individual reports are available from the US Census Bureau:
http://www.census.gov/pubinfo/www/hisphot1.html

==

The following article contains statistics for Mexicans, Cubans,
Salvadorans, Chileans, Puerto Ricans, Dominicans, Nicaraguans,
Panamanians, Argentines, Columbians and Peruvians living in the United
States. Statistics include Population numbers, Median Age, Average
Size of Household, Percent of Households with children, Percentage of
homeowners, Median household income, Percentage born in U.S. and
Ability to speak English.

Read "Demographics Tell the Story", by THOMAS HARGROVE. Scripps Howard
News Service. (Oct 2003) Capital Hill Blue
http://chblue.com/artman/publish/article_3278.shtml

==

A comprehensive (but a bit outdated) Power Point Presentation is
available from Arizona State University. It includes a range of
figures about population demographics, health issues, education and
dropout rates, college participation, top Hispanic markets, counties
with the largest Hispanic population, etc.

See "Hispanic Demographics Trends and Opportunities - A Presentation
to ASU COD," by Loui Olivas. Arizona State University. (12/9/99)
http://courses.ed.asu.edu/glass/olivas/


==

Read "Fact Sheet on Demographics: Children and Adolescents." National
Adolescent Health Information Center. (2000)
http://youth.ucsf.edu/nahic/img/Demographics.pdf

===


Some excerpts follow from a free report that you can download from
www.hispanicbusiness.com, titled "U.S. Hispanic Consumers in
Transition: A Descriptive Guide".  HispanTelligence. Hispanic Business
Inc. (2003)

From the research page at http://www.hispanicbusiness.com/research/ ,
click on "download free executive summary". You will need to fill out
a free registration, and will then have access to the free reports.

Exerpts from "US Hispanic Consumers in Transition": 

* US Hispanic purchasing power grew 8% to 540 billion in 2002 and is
projected to reach $638 billion by 2010
* Hispanic household spend an estimated $34,361 per year (a 30%
increase since 1994)
* The Hispanic population grew 57.9 percent over the last decade, in
contrast to overall US population growth of 13.2%
* Hispanics are the fastest-growing ethnic group in the US and the
largest minority group, comprising 13% of the population. African
Americans are second and Asians a distant third.
* The United States has the fifth largest Mexican population. Only
Mexico, Columbia, Spain and Argentina rank higher.
* California and Texas have the highest population of Hispanics.
* Nearly 350,000 Hispanic immigrants enter the United States annually.
* The average Hispanic household numbers 3.4 persons with 1.6 being
wage earners.
* The median age for Hispanics is 25.9 compared to 35.3 for the total
US population.
* Approximately 17.9 million Hispanics work in the US workforce.
* Mean earnings for Hispanic males with bachelors degrees - $45,445
(2001)
  Mean earnings for those with a high school degree - $26,745 
  Mean earnings for Hispanics with advanced degrees - $75,748
* The Mean income of Hispanic households in 2001 was $44,383
* Hispanic-owned business are among the fastest growing minority
businesses though they are still underrepresented in the general
population, partially due to a lack of capital financing.
* California, Texas and Florida have the highest percentage of
Hispanic-owned firms.
* By 2000, the number of Hispanics attaining Bachelor's degrees hit
75,000.
* The High-School dropout rate is increasing. In 2010, it is estimated
that 32% of the dropouts will be Hispanic - almost double the 1990
rate.
* More than 75% of US Hispanics speak English exclusively or speak it
very well
 


HISPANIC POPULATION GROWTH HIGHEST IN SOUTHEAST UNITED STATES
==============================================================

"The Hispanic population grew faster in Georgia than in any state in
the nation from 2000 to 2002, according to an analysis of U.S. Census
Bureau figures released today.....The pattern repeated itself around
the Southeast, in places with little sustained history of Hispanic
settlement.

* The eight states with the fastest growing Hispanic populations
included North Carolina, Kentucky, South Carolina, Virginia and
Alabama.

* The analysis also shows that metro Atlanta experienced the most
rapid Hispanic growth rate among the nation's 20 most populous metro
areas

Read "Georgia Tops Nation in Hispanic Growth" by Mark Bixler. Source:
Atlanta Journal Constitution. HispanicBusiness.com (9/2003)
http://www.hispanicbusiness.com/news/newsbyid.asp?id=12623




============================
HISPANIC PURCHASING POWER
============================

"According to new estimates from HispanTelligence®, the research
division of Hispanic Business Inc., publisher of Hispanic Business
magazine, U.S. Hispanic purchasing power reached nearly $600 billion
in the second quarter of 2003. That figure represents an increase of
11 percent over the previous year's purchasing power estimate of $540
billion. The new HispanTelligence calculations are based on the latest
available statistics from the Bureau of Economic Analysis, the U.S.
Census, and the Bureau of Labor Statistics."

"Growth of the U.S. Hispanic population and increasing Hispanic
employment and income levels - which have narrowed the
disposable-income differential between Hispanics and the overall U.S.
population - are key factors accounting for the striking increase in
Hispanic purchasing power. In the past 12 months, total U.S.
disposable income grew from $7.8 trillion to $8.1 trillion - a 3.6
percent increase. U.S. Hispanic purchasing power now represents more
than 7.4 percent of total U.S. purchasing power, compared with 6.9
percent last year."

Read "Hispanic Purchasing Power Reaches $600 Billion". Source:
Hispanic Magazine. HispanicBusinessNews.com (August 20, 2003)
http://www.hispanicbusiness.com/news/newsbyid.asp?id=12139 


==

"U.S. Hispanics had the sharpest increase in disposable income from
1990 to 2002 of any racial or ethnic group, according to the Selig
Center for Economic Growth at the University of Georgia."

"The desire to reach such varied Hispanic consumers has multinational
corporations clamoring to introduce products and reinvent messages in
cities ranging from Miami to Los Angeles. Companies are producing new
products, sponsoring Hispanic community events and bringing popular
brands from Latin America to U.S. store shelves. The momentum picked
up last year after figures from the 2000 census showed that the
Hispanic population in the United States soared 58 percent in the
1990s, to 35 million. Hispanics now make up more than 12 percent of
the U.S. population."

Read "More businesses reaching out to Hispanics through focus groups,
surveys". The News and Observer. (November 2002)
http://extensionenespanol.net/articles.cfm?articleid=26 




=============================================
HISPANICS AND RELIGIOUS/POLITICAL AFFILIATION
=============================================

"Contrary to popular belief and previous predictions, the percentage
of Catholics among Latinos since 1988 has remained fairly constant. In
2002, 70.2 percent (nearly 25 million) of all U.S. Hispanics
identified themselves as Roman Catholics."

"Still, the percentage of Roman Catholics among Hispanics drops in the
younger generations, from 74 percent of Latino immigrants to 72
percent among their children. The figure falls to 62 percent among the
third generation, according to the study, which was funded by the Pew
Charitable Trusts."

"We are seeing major demographic shifts taking place among second- and
third-generation Latinos," Espinosa reports in the study's summary (a
Spanish version is also available). "The percentage of Latino
Protestants and other [non-Catholic] Christians simultaneously
increases from less than one in six (15 percent) among the first
generation to one in five (20 percent) and almost one in three (29
percent) among the second and third generations."

"The generational shift echoes studies by Roman Catholic priest and
sociologist Andrew Greeley. He reported in 1988 that one of seven
Hispanics had left the U.S. Catholic Church in fewer than 25 years. As
many as 600,000 Latinos may be leaving the Catholic fold yearly,
warned Greeley. If such "hemorrhaging" continued, he said, half of all
U.S. Hispanics would not be Catholic by 2013."

Read more....

"Despite Protestant Growth, Hispanic Catholicism Holds Steady in
U.S.". by Jeff M. Sellers. Christianity Today. (02/07/2003)
http://www.christianitytoday.com/ct/2003/105/53.0.html


Read full report:

"Hispanic Churches in American Public Life: Summary of Findings."
Gaston Espinosa, Virgilio Elizondo and Jesse Miranda. Interim Reports.
(January 2003)
http://www.hcapl.org/HCAPL_Summary_of_Findings_English.pdf


=====


"In a landmark study of the religious affiliations and practices of
U.S. Hispanics, researchers have found that while more Hispanics are
becoming Protestants, their spiritual conversion does not translate
into a political one, with evangelical and Roman Catholic Hispanics
sharing similar voting patterns."

"Zeroing in on the connection between religion, politics and other
aspects of public life, the findings represent the first phase of a
three-year project, "Hispanic Churches in American Public Life,"
funded by a $1.3 million grant from the Pew Charitable Trust.
Preliminary findings were presented May 4 at Vanguard University, near
Los Angeles".

"Even with the growing number of evangelicals, Hispanic Protestants
tend to mirror the party affiliations of their Roman Catholic
counterparts more than of traditionally conservative Anglo
evangelicals. The study found about 49 percent of Hispanics are
Democrats and only 15 percent Republicans. The rest said they were
politically independent, increasing the group's tie-breaking potential
in key swing states."

Read "Landmark study examines Hispanic religion & politics," by Ted
Parks. Religion News Service (May 2001)
http://www.baptiststandard.com/2001/5_28/pages/study.html


=====


"People en Espanol released yesterday political results from its 2002
Hispanic Opinion Tracker (HOT Study). The HOT Study findings reveal
that Hispanic women are active voters and key constituents of the
Democratic Party - with more than half of them registered as
Democrats."

The HOT Study polled more than 4,000 Hispanic women and men identified
their political views and preferences.

(Read more.....)

"Study Reveals Hispanic Women Instrumental In Upcoming Election". From
Business Wire. HispanicBusiness.com (10/2003)
http://www.hispanicbusiness.com/news/newsbyid.asp?id=12920


=====


Read "Religion and Latino Partianship in the United States", by Nathan
Kelly and Jana Morgan Kelly.
University of North Carolina at Chapel Hill.
http://www.unc.edu/~njkelly/working_papers/latino/kelly_and_kelly1.pdf

Paper is associated with the project in Religion and Latino Politics:

"Latinos (or Hispanics) have become the largest minority group in the
United States according to the most recent estimates by the Census
Bureau. Clearly, a population of this size is of great political
importance by virtue of this fact alone. Two further facts add the
political importance of Latinos. First, politics in the United States
is extremely competitive, so even small changes in the composition of
the electorate could have important implications for control of the
government. Second, while Latino political participation has
historically been extremely low in the United States, this is
beginning to change."

"This project examines the influence of religion on political
attitudes, partisanship, and voting behavior among Latinos in the
United States. We show that there is growing religious diversity among
Latinos, and suggest that previous studies have oversimplified the
political importance of religion among Latinos by ignoring variation
beyond a Catholic/non-Catholic dichotomy.

** We argue that changing religious affiliations among Latinos has had
and will continue to have important political implications.
Specifically, as the evangelical and mainline Protestant portion of
the Latino population grows, the Democratic advantage among Latinos
will decline."
http://www.unc.edu/~njkelly/research/latino_summary.html



2000 Figures from the US Census Bureau
--------------------------------------  

Refer to "Voting and Registration in the Election of November 2000".
US Census Bureau. Issued February 2002.
http://www.census.gov/prod/2002pubs/p20-542.pdf

In 2000, only 7% of voters were Hispanic. 

See Table A: "Reported Voting and Registration by Citizenship, Race,
and Hispanic Origin: November 1996 and 2000."

See Table B: "Reported Voting and Registration by Selected
Characteristics: November 2000". (Includes race, sex age, region and
race and Hispanic Origin)

See Table C: "Reported Voting in Presidential Election Years by
Region, Race, Hispanic Origin, Sex, and Age: November 1964 to 2000".

See Table D: "Reported Registration in Presidential Elections by
Region, Race, Hispanic Origin, Sex and Age: November 1968 to 2000".




=========================
HISPANICS AND HEALTHCARE
=========================

Low rates of immunization:

Read "Hispanics and African-Americans at greatest risk for low
immunization rates." Review of Issues in HISPANIC HEALTHCARE. (August
2001)
http://www.hisp-med.com/page28.html 


======


"Currently, Hispanics make up 23 percent of the total uninsured
population. Unfortunately, when it comes to the uninsured, those most
affected are often those most in need. According to a report by the
Kaiser Commission on Medicaid and the Uninsured, nearly 37 percent of
Hispanics under the age of 64 are uninsured and an astounding 31
percent of Hispanic children are uninsured."

"Hispanic healthcare needs bill’s boost", by Rep. Ciro Rodriguez
(D-Texas). The Hill. (Oct 2003)
http://www.hillnews.com/news/100103/ss_rodriguez.aspx


===

The language barrier in healthcare for Hispanics:

Read "Cultural and Language Impediments to Healthcare Access Among
Hispanics in the U.S.", by Dr. Jose G. Acuna. Editor, Review of Issues
in Hispanic Healthcare.
http://www.snma.org/region2/NHHMweb/NHHMC&L.htm




=======================
HISPANIC INTERNET USAGE
========================

"A new study by comScore Networks has fleshed out the Hispanic
audience online, finding it to have a higher average income and spends
more time online and viewing more pages than the overall online
population."

"Data collected in June finds that U.S. Hispanics spend an average of
88 minutes online every day, either at home, work or school, compared
to just under 80 minutes for the general-market population. The U.S.
Hispanic population also sees more pages every day, about 147 pages
compared to the average 126."

"The U.S. Hispanic online population is 12.5 million, which comScore
Networks said exceeds the total online population of every
Spanish-speaking nation combined. More than six million prefer
English, with the remainder split between Spanish and bilingualism."

"The online Hispanic market was estimated at $4.3 billion in 2002,
totaling about 6% of all consumer spending online."

From "Study Details Hispanic Online Population", by Paul J. Gough.
Source: MediaPost Communications. HispanicBusiness.com (9/2003)
http://www.hispanicbusiness.com/news/newsbyid.asp?id=12749

==

Read "Hispanics Driven to Auto Sites", by Robyn Greenspan. Cyberatlas.
(April 2003)
http://cyberatlas.internet.com/big_picture/demographics/article/0,,5901_2178561,00.html




==================
Research Documents
===================

The following articles may be opened by following the Word Document
links at
http://www.hispanicbusiness.com/research/boe.asp    


"A profile of evolving e-commerce trends, patterns, and practices, and
their likely impact on Hispanic markets", by Henry T. Ingle, Ph.D.
University of Texas at El Paso.

"Current Labor Market Situation for Hispanics in the U.S.: A Brief
Overview", by Adela de la Torre*, Ph.D. The University of California,
Davis.
  
"Latino Electoral and Economic Trends in California, Texas, New York
and Florida", by Bárbara J. Robles, PhD. University of Texas at Austin
(2002)

"U.S. Hispanics: Social and Demographic Implications of Recent
Demographic Trends", by
Marta Tienda. Princeton University.

"Access to Capital Markets for Hispanic-Owned Businesses: Challenges
and Public Policy Opportunities", by: J. Antonio Villamil* Member
Board of Economists. Hispanic Business Magazine.




=======================================================
LATINO ORGANIZATIONS/RESEARCH/NEWS IN THE UNITED STATES
=======================================================

See the complete list with Organization descriptions and links:
http://www.hispaniconline.com/res&res/org_ix.html
(make sure you scroll through all the pages! There are a lot of
organizations!)


See comprehensive links from the Pew Hispanic Center
http://www.pewhispanic.org/page.jsp?page=links



==================
CORPORATE 100 LIST
==================
"For the twelfth year, HISPANIC Magazine lists the 100 companies
providing the most opportunities for Latinos. Each year, companies are
chosen based on a survey that asks for specific information about the
company's recruitment efforts, minority business initiatives and
funding efforts for scholarships, grants and organizations. This year,
the competition was tight as more companies are valuing diversity and
supporting Hispanic causes by publishing Spanish-language material,
targeting U.S. Hispanics, aggressively recruiting Latinos, fostering
Hispanic employee organizations, and creating diversity programs."

See list:
http://www.hispaniconline.com/cc/cc_top100.html  



=================================
FASTEST GROWING LATINO BUSINESSES
=================================
"Each year, HISPANIC Magazine lists 100 of the fastest-growing Latino
businesses as part of our Entrepreneur 100 package. Only those
companies with at least $1 million in projected revenues this year and
those companies that are at least 51 percent Hispanic are
eligible.This year's Hispanic Entrepreneur 100 is especially
significant because of the recent U.S. Census figures showing Latinos
are about to become the largest minority group in the United States.
Based on those numbers, analysts are predicting a shift in marketing,
advertising and politics, foreshadowed perhaps by the Latin music boom
of the late '90s."'

See list:
http://www.hispaniconline.com/res&res/toplists/tp100_ix.html 



==============================================
TOP 25 VENDOR PROGRAMS FOR LATINOS (year 2000)
================================================ 
"Many U.S. corporations have formed outreach programs to locate
Hispanic-owned vendors and give them a shot at landing large
contracts. These large companies see the benefits of doing business
with an ever-increasing number of Hispanic-owned enterprises, which
generate an estimated $400 million in annual revenues. Conversely,
Hispanic entrepreneurs have found success by forming strong alliances
with corporate America via such programs."

See list:
http://www.hispaniconline.com/buss&finn/bussres/vendor.html 



=====================
INFORMATION RESOURCES
=====================

HispanicBusiness.com
http://www.hispanicbusiness.com/
(Hispanic Business.com has current news of interest as well as reports
than can be purchased at a reasonable price or downloaded for free
after registration (also free)
 
List of HispanTelligence Research Products
http://stores.skipjack.com/hbi/Search.bok?no.show.inprogress=1&sredir=1&category=HispanTelligence+Research

Hispanic Association on Corporate Responsibility
http://www.hacr.org/index.htm

Hispanic Online.com
http://www.hispaniconline.com/res&res/demo_ix.html

Mintel International (publications for sale)
http://www.mintel.com/docs/register_hispanics.htm

USHispanic.net
http://www.ushispanic.net/USHisp/index.htm

Hispanic Journal
http://www.hispanicjournal.com/
 Archives http://www.hispanicjournal.com/journal/index.htm



==================
ADDITIONAL READING
==================

"Top 10 Cities for Hispanics 2002" By Gigi Anders. HISPANIC Magazine 
http://www.hispaniconline.com/hh02/demographics_top_10_cities_ix.html

"Georgia On My Mind - Hispanics Living in the Peach State", by Yolanda
Rodríguez. Hispanic Magazine.
http://www.hispaniconline.com/hh02/demo-georgia.html

"Hispanic Population in America Growing, Assimilating Fast." Source:
Chicago Tribune. Hispanic Business Journal.
http://www.hispanicbusiness.com/news/newsbyid.asp?id=13229



****************************************



 Thank you for a most interesting research project and your very kind
comments in your clarification.

 Happy Reading!

umiat 

Google Search Strategy
hispanic demographics AND US
US Census Bureau
hispanic political affiliations
Hispanics AND healthcare

Clarification of Answer by umiat-ga on 22 Oct 2003 16:54 PDT
jred,

 Just a few articles concerning Louisiana:

"Hispanics see gradual growth in Louisiana", by Abe Levy. The Times
(March 2001)
http://www.shreveporttimes.com/html/CF497BE4-6C1C-4936-9BCF-D1541B881BAC.shtml

"The Invisible Population: Mexicans and Central Americans in Northern
and Central Louisiana", by Lisa Abney.
http://www.louisianafolklifefest.org/Articles/2002f6.htm

"HISPANICS IN A RACIALLY AND ETHNICALLY MIXED NEIGHBORHOOD IN THE
GREATER METROPOLITAN NEW ORLEANS AREA", by Karen Bracken. (Old paper
1992?)
http://www.census.gov/srd/papers/pdf/ev92-16.pdf

"Hispanic Business Council Celebrates Growth, Culture." U.S.
Department of Housing and Urban Development. (9/2003)
http://www.hud.gov/local/la/library/archives/2003-09-26.cfm

 Also, you are under no obligation to ask more questions to provide
more pay! This may be sufficient informtion for you so don't feel
pressured in any way to ask for more, okay?

umiat (a "she")
jred-ga rated this answer:5 out of 5 stars
I've barely begun reading the response, but it looks very helpful!
Umiat knows his stuff.  I will need to wade thru it all and get back
to him for more follow-up (for more pay, of course).

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