Fire Prevention Starts with You What To DoWhen OSHA Knocks NOVEMBER/ DECEMBER 2022 SERVING CONTRACTORS IN THE HVACR INDUSTRY NOT IF, BUTWHEN How to Prevent and Mitigate Cybercrime ACCA 2023 Registration Open Preventing Accidents ACCAMIXGroups® Make The Difference
“On the customer front, Carrier VRF is absolutely the most efficient system. It’s going to keep them more comfortable.” Chris Davis Perdido Heating and Air THAT’S WHY I SELL CARRIER. ©2022 Carrier. All Rights Reserved. The Carrier VRF Vertical Air Handling Unit offers flexible installation options for you and greater comfort for your customers. Learn more about VRF at carriervrf.com. VRF Vertical Air Handling Unit “On th customer fron , Carrier VRF is absolutely the most efficient system. It’s going to keep them more comfortable.” Chris Davis Perdido Heating and Air THAT’S WHY I SELL CARRIER. ©2022 Carrier. All Rights Reserved. The Carrier VRF Vertical Air Handling Unit offers flexible installation options for you and greater comfort for your customers. Learn more about VRF at carriervrf.com. VRF Vertical Air Handling Unit “On the customer front, Carrier VRF is absolutely the most efficient system. It’s going to keep them more comfortable.” Ch is Davis Perdido Heating and Air ’ Y I I . ©2022 Carrier. All Rights Reserved. Th Carrier VRF Vertical Air Ha dling Unit offers flexible installation options for you and greater comfort for your customers. Learn more about VRF at carriervrf.com. VRF Vertical Air Handling Unit
4 CEO’s Column 5 Chairman’s Column 6 Now@ACCA 10 Committee Crunch ACO News 12 Capitol Insights 14 Safe@Work 22 Resource Round-up 24 Tech Tips 26 Legal Tools 27 Service Savvy 28 Corporate Partner Spotlight – Johnson Controls 30 Tech Challenge & Ad Index 6 contents Volume 11, Issue 6 / Published in November 2022 PUBLISHER Melissa Broadus melissa.broadus@acca.org AD SALES Dylan Burkhart adsales@acca.org 925-487-4667 ACCA NOWASSISTANT Heather Donaldson accanowsupport@acca.org ART DIRECTOR Lynn Riley Lynn Riley Design www.lynnrileydesign.com BLOGGERS & COLUMNISTS Steve Coscia, Brooke Duncan, Tom Grandy, Barton James, Wes Davis, David Bixby, Matt Akins, Ed Janowiak, Katie Kuehner-Hebert, Melissa Broadus ACCA Now (USPS 9910) is published bi-monthly for $29 per year by ACCA, 1330 Braddock Place, Suite 350, Alexandria, VA 22314. Periodicals postage paid at Arlington, VA, and at additional mailing offices. ©2022 by ACCA Association, Inc. All Rights Reserved. Postmaster send address changes to: ACCA Now 1330 Braddock Place, Suite 350, Alexandria, VA 22314 ACCA Now is published by the Air Conditioning Contractors of America. www.acca.org Air Conditioning Contractors of America ® 27 14 7 Not If, but When How to Prevent and Mitigate Cybercrime Cyber criminals are savvier than ever before. That means contractors need to be more vigilant to not get caught in their traps. ACCA Now spoke with two companies that have dealt with cyber crimes and come out strong to share what you need to know to keep your company safe. 16
Don’t Miss THE Learning & Networking Event of 2023 C EO ’ S COLUMN Barton James is President and CEO of ACCA. He can be reached at barton. james@acca.org. FORTHEMAJORITYOF THE COUNTRYANOTHER COOLING SEASON HAS ENDED, and I want to applaud our ACCA contractor members for their hard work and dedication to their customers and the industry. You are all on the front lines working day in and day out to make sure that our country is not just comfortable but safe; all while navigating burdensome legislation and regulations that are being imposed on you, equipment and parts delays, as well as dealing with recruiting, hiring, and keeping a professional workforce. You all deserve the applause! As your association, ACCA prioritizes your success above all else. ACCA works tirelessly to ensure that each of our members, large and small, commercial as well as residential have the resources you need to be successful. We are proud of the high-quality member services we offer, such as our new Inflation Reduction Act (IRA) resource page (www.acca.org/members/ industry/iraresources) and our advocacy efforts. However, we also want you to take advantage of the upcoming ACCA 2023 Conference & Expo taking place April 2 – 5, 2023 at the New Orleans Marriott in New Orleans, LA. Registration is now open for ACCA 2023 Conference & Expo. Our conference focuses on helping HVACR contractors optimize their business growth and success by learning from the industry’s most success- ful owners, entrepreneurs, top consultants, and innovative and creative up-and-com- ers. The conference program will focus on HVACR training opportunities and will feature powerhouse speakers sharing insights on the most important topics affecting our industry today. The ACCA 2023 Confer- ence & Expo session and speakers include: Don’t Be Held Hostage to Your Employees Aaron Ruddick, Reliable Comfort Codes & Coffee Live Manny Chaves, Chaves Heating & Air Conditioning, Inc. & David Bixby, ACCA From “Entrepre-doer” to Entrepreneur Chris Crew, The Blue Collar Success Group I Learned It All At The Bar Matt Marsiglio, Flame Furnace and Ben Kelley, CroppMetcalfe Services In addition, the Expo program will focus on showcasing the top products and services available in our industry. Make sure you check out the com- panies already signed up to show you the lastest products and services they have to offer (Short Link to Come). If you are still unsure about attending the ACCA 2023 Conference & Expo, I’d like to share a few of the benefits of attending. First, attending ACCA 2023 will provide wonder- ful networking opportunities. During the confer- ence, youwill be able to learn and engagewith other contractors and professionals within the indus- try. In addition, taking part in the conference will continue your education, benefiting you and your company. By attending, you will be able to break out of your routine and spark new approaches that can help grow your business. The conference will also bring an opportunity for growth as exposing yourself to new ideas, projects, and people will inspire you to think of your own one-of-a-kind ideas. Lastly, we want you to have fun. While it is for business, that does not mean that the confer- ence will not bring enjoyment. This year we have added a special Welcome and Awards Reception, where we will kick off the event and honor the best of the best in the industry. Make sure that you are in New Orleans early enough on April 2, 2023, so you don’t miss the reception that starts at 5:00 pm. You can learn more about what we have planned at www.accaconference.com. In closing, I want to personally express my grati- tude for the resilience of our ACCA contractor members during these ever-changing times. On behalf of the entire ACCA staff, we want to thank you for choosing us as your trusted association, and we look forward to seeing you at ACCA 2023. ACCA 2023 Conference & Expo Registration Is Open! Connect with industry members, listen to insightful speakers, tour the expo floor, and explore New Orleans at the ACCA 2023 Conference & Expo. Taking place April 2 – 5, 2023, at the New Orleans Marriott in New Orleans, LA, ACCA 2023 has something for everyone in the HVACR Industry. Visit www.accaconference. com to register, check out the agenda, read past attendee testimonials, and book your room! NOVEMBER/DECEMBER 2022 4
ACCA HAS RECENTLY LAUNCHED a number of videos on its website, to helpmembers and potential members understand and appreciate the value that the association brings to its members. We’re trying to get more members involved in a variety of ways, and learn more about what ACCA can offer. Some don’t knowmuch about the association’s educational programs to enhance their companies. ACCA provides tools and information to help members grow their business and to help them develop future leaders for their companies, as well as for the industry. ACCAwants to develop companies that lead the industry – not follow it. Members also should become aware of how the association is advocating to federal lawmakers on their behalf. In our company, for years we’ve been involved in legislation on a local level, whereas ACCA is involved in all the states as well as the national level – and the ACOs are supporting them as well. Joining ACCA opened a whole new perspective for me. Professionally produced in partnership with Amplify, here’s a taste of what each video has to say: ACCA EDUCATION AND TRAINING – Whether you’re running the company or are a technician focused on your future growth, continual learning and training is key to becoming successful in the HVACR industry. The Air Conditioning Contractors of Amer- ica helps you rise above the pack with access to cutting-edge business and technical training and education opportunities to grow your business – and your career….Now with ACCA’s tiered membership for contractors, you can select the membership level to meet your training goals, offering deeper discounts and free courses. There’s never been a better time to join! ACCA PRACTICAL HVAC – One of our newest trainings right now is practical HVAC. It’s targeted around the technician, the installer and the maintenance tech that’s front-facing the cus- tomer every single day. It covers a wide range of topics – all the way from psychometrics, duct design system capacity and everything in between, including soft skills and selling as well…. Once you get everybody on the same page doing everything the correct way, you can now offer a consistent service to your clients, while reducing callbacks, limiting liability, protecting your brand integrity and increasing revenue. ACCA GOVERNMENT RELATIONS – Only the Air Conditioning Contractors of America fights for HVACR contractors on Capitol Hill. And we win! Your membership gives you a seat at the table on Capi- tol Hill – and in the states – as legislators, manufacturers, insurers and competing industries debate refrigerant transitions, building codes, workforce incentives, taxes and other regulations that could make or break your business….We build undeniable relationships with legislators to ensure the contractor is top of mind when creat- ing and implementing policies. We’re here to help you fight. ACCA CONFERENCES – ACCA confer- ences are important networking events. It is key for people to get together, share their experiences in their businesses, share their ideas, and talk to each other about what they’re doing right and what they’re doing wrong. And while you can do that over the phone, if you’d never ever have the opportunity to meet that person, how’s that going to happen? ACCA MIX GROUPS – I think it’s one of the most valuable parts of my ACCA membership – having a specific group of contractors that don’t compete with me that I can be an open book about. We can lay out our financials, we can say these are our true struggles – whether it be employee issues or financial issues or whatever that is….It’s like having a com- pletely free board of directors and advisors that I can go to with any challenge I have. ACCA COMMITTEES – Dedication. Commitment. Expertise. Pas- sion. These are the values you bring to work every day. Nowwe’re hoping you can bring them to our work. Become an ACCA Committee Member and be part of something meaningful. ACCA STANDARDS AND CODES – One of the ongoing challenges contractors face is keeping up with -- and understanding – the complexity of codes. ACCA has always been a leader in standards and codes….Our members have access to the latest technical manuals, standards and codes guides, and a monthly webinar focusing on the latest codes and standards issues facing the HVACR industry. ACCA MEMBERSHIP – Well, the best thing about ACCA: it’s the only place you can get the information about being an HVAC contractor….The PAC has had my back. Working with the PAC and seeing the great things the PAC does for the organization is always impressive….My favorite thing about ACCA membership is networking with other contractors. The information that we get from them and their experiences – their biggest successes and their biggest mistakes – has really helped us in our business and grow. And we love being able to help others, too. ACCA is the only organization that’s solely focused on supporting contractors. ACCA supports me on Capitol Hill, it supports me within the industry, with the manufacturers and the wholesalers, and in general ACCA is the go-to organization for anything I need related to my business. Check out ACCA’s new videos on the website, and learn about all the valuable resources, educational tools, events and networking opportunities that come with membership in this great association – it can help your business thrive! Check Out ACCA’s Resources CHA I RMAN ’ S COLUMN By Keith Paton, Vice President of Service at Ivey Mechanical Co. based in Kosciusko, Mississippi NOVEMBER/DECEMBER 2022 5
NOW @ ACCA ATTENDEES INSPIRED AT ACCA’S SERVICE MANAGERS FORUM ACCA held the Service Managers Forum, September 14-15, 2022, as part of its Fall Meetings 2022 in Baltimore, MD. The forum focused on helping attendees to build professional teams, steering them toward customer satisfaction and professional success. The forum featured Bryan Dodge of Dodge Development, Inc. as the keynote speaker. Dodge shared leadership characteristics designed to help those responsible for a team of people who are scattered to different job sites daily. “It was my pleasure to speak at ACCA’s Service Managers Forum,” said Dodge. “After sharing my promise of seven, I am sure that each of these attendees is ready to take charge of their own leadership. My reminder to each of them is, Bring Energy Home.” Additional sessions included: Improving Productivity and Profits with Connected Diagnostic Tools with Bill Spohn of TruTech Tools The Triple Leader with Joe Person of Go Time Success Group The Biological Basis for Complacency with Sharon Lipinski of Habit Mastery Consulting Your customers’ needs are changing, are you? with John White of Pearl Certification “ACCA’s Service Managers Forum is always a thrilling event, and this year was no different,” said Barton James, ACCA president and CEO. “From the fascinating sessions to the attendee list, this forum provided countless networking and educational offerings to every person that was there.” ACCA’s Service Managers Forum was sponsored by: Adrian Steel; Data-Basics; Dividend Finance; Emerson; FTL Finance; CAMP Digital; Interplay Learning; Jackson Systems; Lemon Seed Marketing; MiTekWrightsoft; Mitsubishi; Pearl Certification; Resideo; RESNET; Rheem; RYNO Strategic Solutions; SAWIN; Schedule Engine; Scorpion; ServiceTitan; Sunlight Financial; Trane; Weave; XOi Technologies; York/ Johnson Controls; YourRadar. ACCA’s next contractor events are The Solar Forum 2022, in partnership with Pearl Certification, November 14-15 at the Crowne Plaza in Phoenix, AZ, and the ACCA 2023 Conference & Expo, April 2-5 at the New Orleans Marriott in New Orleans, LA. ACCA SHARES VALUABLE INSIGHTS AT THE BUSINESS TECHNOLOGY & OPERATIONS FORUM ACCA held the Business Technology & Operations Forum, September 12-13, 2022, as part of its Fall Meetings 2022 in Baltimore, MD. The forum focused on exploring how to use the latest technologies to drive attendee companies to new levels of success. The forum featured Randall Dean, MBA, the e-mail sanity expert® as the keynote speaker. Dean shared strategies for finding the best technology options for managing time, projects, tasks, and people. “We showed attendees at ACCA’s Business Technology and Operations Forum all of their time-saving options, from paper to the cloud and everything in between, as well as some critical “watchouts” regardless of the system, and we definitely had some fun along the way,” said Dean. “I thoroughly enjoyed speaking at this event, and am happy that I could lend my expertise to this wonderful industry.” Additional sessions included: How to Think Big, In A Small Environment with Joe Lang of Comfort Systems USA Capture Business Using Technology with Crystal Williams of Lemon Seed Marketing Active Air Management – Your New IAQ Strategy with Alex Van Ballegooie of HAVEN IAQ Intro to Ads – Metrics that Matter: What are the Metrics I Can and Should Measure in Google Ads? With Katie Donovan of CAMP Digital “It was great to see everyone at the first half of our Fall Meetings 2022,” said Barton James, ACCA president and CEO. “From the invaluable speakers to the highly engaged audience, the Business Technology & Operations Forum was an exhilarating way to kick off this event.” ACCA’s Business Technology & Operations Forum was sponsored by: Adrian Steel; Dividend Finance; Emerson; Federated Insurance; FTL Finance; CAMP Digital; Jackson Systems; Lemon Seed Marketing; MiTek-Wrightsoft; Mitsubishi; Pearl Certification; Resideo; RESNET; Rheem; RYNO Strategic Solutions; SAWIN; Schedule Engine; Scorpion; ServiceTitan; Sunlight Financial; Trane; USI; Weave; XOi Technologies; YourRadar. > > > > > NOVEMBER/DECEMBER 2022 6
ACCA President and CEO, Barton James, had the privilege of joining ACCA Senior Vice Chair and Associate Dean of the Dallas College School of Manufacturing & Industrial Technology, Stephen Pape, for a tour of Johnson Controls International’s training and manufacturing facilities. This tour marks 50 years of excellence for Johnson Controls (JCI) and 10 years of ACCA Corporate Partnership. The tours, led by Chris Forth, Johnson Controls vice president of regulatory, codes and environmental affairs, and plant employees, emphasized the importance of industry training and transparency about the HVACR supply chain. “It was wonderful to meet the employees at Johnson Controls and to see firsthand the steps and investments being made to address equipment shortages and lead times,” said James. “Open communication between our organizations is critical to the success of the industry, especially as Johnson Controls marks its milestone 50th anniversary and 10th anniversary as an ACCA Corporate Partner. ACCA thanks Johnson Controls for its hospitality and looks forward to meeting again in the future.” “It was encouraging to view firsthand the level of detail JCI has created to address the supply chain challenges we are all experiencing,” said Pape. “The JCI team is a wellorganized, impressive group with processes in place that rival anything I have seen for improving material and components supply, labor, production and quality. I was very impressed.” “Partnering with OEM’s like Johnson Controls Ducted Systems Training Academy, which provides live, hands-on training on actual production equipment, is something ACCA contractors benefit greatly from,” said Forth. “We are delighted that we could share an inside look at our facilities with ACCA.” ACCA corporate partners, such as Johnson Controls, make a significant investment in ACCA each year to support contractors. These investments help ACCA fight for contractors and provide quality products and services to help contractors and their teams be more professional businesses and grow. ACCA encourages all its members to thank its Corporate Partners for their investments and to utilize their services where it makes sense for their businesses. ACCA PRESIDENT AND CEO JOINS SENIOR VICE CHAIR FOR TOUR OF JOHNSON CONTROLS FACILITIES ACCA OPPOSES THE ESTABLISHING NEW AUTHORITIES FOR BUSINESS LAUNDERING AND ENABLING RISKS TO SECURITY (ENABLERS) ACT ACCA wrote a letter opposing the Establishing New Authorities for Business Laundering and Enabling Risks to Security (ENABLERS) Act. ACCA also joined 75 other organizations in signing an additional letter opposing the Act. “ACCA strongly opposes the ENABLERS Act and the Financial Crimes Enforcement Network’s (FinCEN) Beneficial Ownership Rule as they both would cause serious negative impacts to ACCA members and the industry,” said Barton James, ACCA president and CEO. “We will fight tirelessly to prevent this legislation from passing in the Senate and will do all that we can to protect our members from these regulations.” The ENABLERS Act, which passed the House as part of the 2022 National Defense Authorization Act (NDAA), would dramatically expand the Corporate Transparency Act’s (CTA) reporting requirements. The goal of the bill is to increase reporting by, “professional service providers who serve as key gatekeepers to the U.S. financial system,” including ACCA members. Anyone engaged in an entity’s formation, acquisition, or disposal would be covered by the ENABLERS Act, as well as owners and employees engaged in nearly every financial activity of a business. Covered individuals would be subject to audits conducted by the Treasury Department. The ENABLERS Act also requires the Treasury to recommend additional enforcement tools after a year. The related CTA imposes fines of up to $10,000 and jail time of up to two years for covered business owners and employees who fail to make the appropriate reports. The Financial Crimes Enforcement Network (FinCEN) released the final Beneficial Ownership Rule on September 30, 2022. The rule, in accordance with the CTA, will require most corporations, limited liability companies, and other entities created in or registered to do business in the United States to report information about their beneficial owners—the persons who ultimately own or control the company, to FinCEN. ACCA will continue to keep its members updated on the status of this bill. NOVEMBER/DECEMBER 2022 7
NOW @ ACCA ACCA is seeking nominations for its Marketing Masters Awards, sponsored by RYNO Strategic Solutions. The ACCA Marketing Masters Awards honor and recognize the best marketing programs developed and implemented by heating, ventilation, and air conditioning (HVAC) contractors. The Marketing Masters Awards consist of five categories: Traditional Media – Print Traditional Media – TV or Radio Connections through social media Connections through Digital or Mobile Marketing sponsored by Scorpion Rolling Marketing – Vehicles sponsored by Adrian Steel Each category will honor three contracting companies — with a gold, silver, or bronze designation — that exhibit creativity, clarity, and effectiveness of each of the programs/ promotions. The companies that receive the gold designation in each category will compete head-to-head for the Elite Marketing Master Award, which is voted on by ACCA Conference attendees during ACCA’s 2023 Conference & Expo taking place April 2 - 5, 2023, at the New Orleans Marriott in New Orleans, LA. Any contracting company, regardless of ACCA membership status, that is engaged in the creation and use of marketing to promote an HVACR contracting business is eligible to apply for, and win, a Marketing Masters Award. Advertising agencies may submit entries for contracting companies, however since this is a contractor award, the contracting company for the entry, if chosen as the winner in any category, receives the award. Marketing campaigns and merchandising events held between January 1, 2022, and December 31, 2022, are eligible. There is an application fee for each category, which you will be billed for upon submitting the application. The application fees are as follows: First category $69* ($99 for non-members) Each additional category $39* ($69 for non-members) Award category sponsorships are available. Please contact Dylan Burkhart, ACCA’s Business Success Specialist, at dylan.burkhart@acca.org or 925-487-4667 for more information. To learn more and to submit a Marketing Masters application, visit www.acca.org/ members/awards/marketing-masters. The deadline to apply for the Marketing Masters Awards is January 20, 2023. ACCA LAUNCHES 2023 MARKETING MASTERS AWARD PROGRAM ACCA SEEKS 2023 CONTRACTOR OF THE YEAR NOMINATIONS ACCA is seeking nominations for the 2023 Residential and Commercial Contractors of the Year awards programs. ACCA’s Contractors of the Year will be recognized at the ACCA 2023 Conference and Expo in New Orleans, LA, April 2 - 5. Contractors must submit the online nomination form at acca.org/members/awards, no later than January 6, 2023. Once the nomination deadline passes, all Contractors of the Year nominees will be evaluated, and six finalists will be selected—three residential and three commercial. ACCA staff will work with each finalist to put together a judging packet. The official judging packets will include six write-ups, photos, fact sheets, questionnaires, and videos, and will be judged by a panel of ACCA past chairmen. All finalists must attend ACCA 2023 to be eligible to receive the award. NOVEMBER/DECEMBER 2022 8
ACCA OPPOSES ENERGY CONSERVATION STANDARDS FOR CONSUMER FURNACES ACCA notified the Department of Energy (DOE) this month that it opposes the July 7, 2022, notice of proposed rulemaking (NOPR) to revise the energy efficiency standards for residential natural gas furnaces. The proposal, if adopted, would negatively impact ACCA’s over 3,000 member companies, individual homeowners, including low-income households, small businesses, and seniors. Federal and state lawmakers and regulators focus a significant amount of time on the HVACR industry because of the energy its products consume. Former Secretary of Energy, Ernest Moniz believed energy efficiency improvements within the HVACR industry could have an enormous impact on addressing peak demand for electricity going forward. ACCA agrees with the Secretary, but the DOE is not focused on the problems that ACCA’s contractor members work on every day: incorrect equipment sizing and poor equipment installations. “The problem of poor HVAC installations is rampant in part due to many public officials believing that industry-recommended installation standards and training programs are aspirational and do not require trained technicians,” said Barton James, ACCA president, and CEO. “If DOE would turn their attention to educating and incentivizing homeowners to demand that HVAC systems are installed according to the industry’s recommended minimum standards, then the HVACR industry would be able to meet Secretary Moniz’s wish for a 25 to 30 percent improvement in efficiency, and far exceed the goals from this furnace rule.” “ACCA strongly believes that America’s HVAC Contractors should have options for their customers based on their applications needs, fuel and installation cost, energy reliability, and product availability when it comes to heating homes and businesses. ACCA once again opposes this latest attempt by the DOE to offer a solution that does not address the root energy problem,” added James. “This regulation will create an unnecessary burden on homeowners, who already are facing increasing costs of living, by demanding them to install equipment that they can neither afford nor will reach the desired efficiency that the DOE claims this regulation is needed to meet. ACCA firmly stands by the position that HVACR contractors and consumers should have access to whatever source of fuel makes the most sense for their business and economic needs. If the DOE wants to have a real impact on reducing fuel use and increasing the energy efficiency of heating systems, they should focus on proper equipment sizing, correct duct design, and quality installations based on nationally recognized standards such as ACCA’s Manual J®, Manual S®, and Manual D®, which help ensure that systems are properly sized, have the correct ductwork, and are installed in a manner that allows the equipment it reach its stated efficiency rating.” You can read the full letter that ACCA sent to the DOE at: https:// accanow.net/DOE-Hegarty-letter . ACCA will continue to keep its members updated on the status of the DOE’s rulemaking activities regarding energy-efficiency standards for furnaces and fight for common-sense regulations and legislation that leverages our members’ expertise. ACCA once again opposes this latest attempt by the DOE to offer a solution that does not address the root energy problem. — BARTON JAMES SPIRIT OF INDEPENDENCE AWARD NOMINATE AN INDUSTRY LEGEND FOR ACCA’S SPIRIT OF INDEPENDENCE AWARD ACCA is seeking nominations for its 2023 Spirit of Independence Award. The Spirit of Independence Award is the highest individual honor in the indoor environment profession, bestowed on an individual who has had a profound impact on the success of the professional contracting industry. The recipients are the industry’s legends, each of whom has left a mark on our entire community through service, innovation and personal commitment. The past five recipients of ACCA’s Spirit of Independence Award are: Jack Rise, Jack Rise HVAC Technical Training, Tampa, FL (2022) Phil Forner, Allendale Heating & Cooling, Allendale, MI (2019) Laura DiFilippo, DiFilippo’s Service, Paoli, PA (2017) Warren Lupson, Silver Spring, MD (2016) John Sedine, Engineered Heating & Cooling, Cedar Spring, MI (2013) Nominations for ACCA’s Spirit of Independence Award must be received no later than January 31, 2023, via the online nomination form. The recipient will be honored at ACCA’s 2023 Conference & Expo, April 2 - 5, 2023 in New Orleans, LA. NOVEMBER/DECEMBER 2022 9
The Air Conditioning Contractors of America (ACCA) and The Air Conditioning Association of New England (ACA/ NE) Form Alliance ACCA) and The Air Conditioning Association of New England (ACA/NE) are pleased to share that ACA/NE has become the 20th Allied Contracting Organization (ACO) to affiliate with ACCA. With the addition of ACA/NE’s work representing contractors in Massachusetts, Rhode Island, Maine, New Hampshire, Vermont, and Connecticut, ACCA’s Allied Contracting Organizations now serve 26 states and the District of Columbia. Allied Contracting Organizations are independent associations that partner with ACCA on the advancement of the HVACR industry’s technical excellence, business success, and legislative and regulatory goals. While ACCA and ACA/NE memberships remain separate, both organizations will promote the value of investing in a strong representation of the HVACR industry at the local and national levels. “ACA/NE is pleased to join together with ACCA to represent and promote the interests of the HVACR industry in New England,” said Catherine Flaherty, ACA/ NE executive director. “We look forward to working with ACCA on areas of mutual interest, particularly as they relate to legislative and regulatory issues.” “We are pleased to welcome ACA/ NE as our twentieth ACO,” said Barton James, ACCA president and CEO. “We know contractors’ voices are stronger when ACCA national combines our efforts with state and local organizations. We believe this new relationship will help contractors in New England be better represented on all levels. This commitment is just another step in the right direction to ensure all contractors have access to the resources they need to be successful in today’s market.” This agreement will help both organizations better represent and support contractors in New England through a unified voice on legislative and regulatory issues and better cross-promotion and reciprocal discounts on educational programs. For more information about ACA/NE, please contact Catherine Flaherty, Executive Director, at cflaherty@acane.org or 508-839-3407. To learn more about ACCA’s ACOs visit www.acca.org/about-acca/allied-organizations. Plan to Be at the In-Person ACCA CommitteeMeeting In NewOrleans Committee Crunch By Melissa Broadus ACCA has a committee structure that encourages members to actively play a role in how ACCA works for their interests. There are five main committees that work with the ACCA staff to develop and produce resources, events, products, and services that help contractors and their teams stay on the leading edge and ahead of their competition. While each of the committees meets online monthly via Zoom, at ACCA 2023 all five committees will meet in person. Four of the five in-person committee meetings are open to any ACCA member who would like to learn about how ACCA’s committees work. This is a great opportunity for members to try out a committee they think they may want to serve on. ACCA’s Partnership Committee Meeting is by invitation only. If you are interested in attending ACCA’s Partnership Committee, please email accacommittees@acca.org. Make sure you plan to attend at least one of these meetings. ACCA needs your help to ensure that it is providing the best products, ser- vices, resources, and events that its members want and need. If you are interested in serving on an ACCA committee, visit www. acca.org/about-acca/acca-committees to apply. If you have any ques- tions about ACCA’s committees, email accacommittees@acca.org. SCHEDULE FOR THE IN-PERSON COMMITTEE MEETING>> April 3, 2023 7:45 – 8:45 am cst ACCA Events Committee Meeting 2:30 – 3:30 pm cst ACCA Partnership Committee Meeting April 4, 2023 7:30 – 8:30 am cst ACCA Member Services Committee Meeting 3:00 – 4:00 pm cst ACCA Products Committee Meeting April 5, 2023 7:00 – 8:00 am cst ACCA Membership Committee Meeting NOW @ ACCA ACO NEWS NOVEMBER/DECEMBER 2022 10
The best tool in your truck isn’t a tool. Copeland and the Emerson logo are trademarks of Emerson Electric Co. © 2022 Emerson Electric Co. Copeland™ Mobile takes the guesswork out of installation and troubleshooting. Download the Copeland Mobile app and you’ll have the industry’s largest support network anytime you need it. Copeland Mobile works with any device and offers: - Product specs instantly - Replacement part availability - Online chats with a Copeland technical specialist You won’t find a better resource to tackle problems out in the field. Get the app.
ACCA Fights Against Regulations from Congress and Federal Agencies Leading up to the mid-term elections President Biden, Congress, and Fed- eral Agencies were busy adding regulations and passing legislation that will impact your bottom-line. While some of these helped small businesses, like many ACCA members, many were not, and were vehemently opposed by ACCA. The team at ACCA is actively fighting for its members to ensure that only com- mon-sense legislation and regulations go on the books. Here are a few of the most recent items that ACCA is working on. ENABLERS Act In late September ACCA voiced its strong opposition to the Establishing New Authorities for Business Laundering and Enabling Risks to Security (ENABLERS) Act that dramatically expands the report- ing requirements put in place by the Corporate Transparency Act (CTA). The ENABLERS Act was snuck into the National Defense Authorization Act (NDAA) in the House. If that process sounds sneaky you are right, but sadly familiar, it’s how Con- gress adopted the initial CTA two years prior. They hid it in the NDAA, and the busi- ness community was unable to convince the security-minded staff and members of the defense committees to pay attention. Thankfully ACCA is not alone in this fight and has joined forces with 75 other organizations to oppose the ENABLERS Act, legis- lation. You can read the letter the group sent to Senate Majority Leader Charles Schumer and Senate Minority Leader Mitch McCon- nell here: https://accanow.net/Enablers. While the bill’s stated goal is to increase reporting by “professional service provid- ers who serve as key gatekeepers to the U.S. financial system,” its broad language would cover the owners, board members, and senior executives of most businesses and charities. Anyone engaged in an entity’s formation, acquisition, or disposal would be covered, as would owners and employees engaged in nearly every financial activity of the business, including money manage- ment, payment processing, wire transfers, or buying and selling currencies. So far, the ENABLERS Act appears to lack the energy and bipartisan support needed to move, but it’s still just one conference and two votes away from enact- ment, so we must remain focused on our fight and remain vigilant all the way through the end of the year. ACCA has been focused on key Senate offices to educate them on the history of this issue and how the passage would negatively impact and could very well target private businesses and their owners. Energy Conservation Standard for Consumer Furnaces In July, the Department of Energy (DOE) released a notice of proposed rulemaking (NOPR) to revise the energy efficiency standards for residential natural gas fur- naces. Since ACCA is contractors’ voice with the federal agencies, it stepped up to let the DOE know that this proposal, if adopted, would negatively impact ACCA’s over 3,000 member companies, and indi- vidual homeowners, including low-income households, small businesses, and seniors. Federal and state lawmakers and regu- lators focus a significant amount of time on the HVACR industry because of the energy its products consume. Former Secretary of Energy, Ernest Moniz believed energy effi- ciency improvements within the HVACR industry could have an enormous impact on addressing peak demand for electricity going forward. ACCA agrees with the Sec- retary, but the DOE continues to ignore the problems that ACCA’s contractor members work on every day: incorrect equipment sizing and poor equipment installations. ACCA strongly believes that America’s HVAC Contractors should have options for their customers based on their appli- cation needs, fuel and installation cost, energy reliability, and product availability when it comes to heating homes and busi- nesses. ACCA once again opposes this latest attempt by the DOE to offer a solution that does not address the root energy problem. This regulation will create an unnecessary burden on homeowners, who already are facing increasing costs of living, by demand- ing them to install equipment that they can neither afford nor will reach the desired efficiency that the DOE claims this regula- tion is needed to meet. ACCA firmly stands by the position that HVACR contractors and consumers should have access to whatever source of fuel makes the most sense for their business and economic needs. If the DOE wants to have a real impact on reduc- ing fuel use and increasing the energy efficiency of heating systems, they should focus on proper equipment sizing, correct duct design, and quality installations based on nationally recognized standards such as ACCA’s Manual J, ® Manual S, ® and Manual D, ® which help ensure that systems are properly sized, have the correct ductwork, and are installed in a manner that allows the equip- ment it reach its stated efficiency rating. You can read the full letter that ACCA sent to the DOE here: https://accanow. net/DOE-Hegarty-letter ACCA will continue to keep its members updated on the status of the DOE’s rule- making activities regarding energy-efficiency standards for furnaces and fight for common-sense regulations and legislation that leverages our members’ expertise. Stay tuned and keep your eyes open for messages from ACCA asking you to take action on both of these critical issues. Capitol Insights By Barton James The DOE continues to ignore the problems that ACCA’s contractor members work on every day: incorrect equipment sizing and poor equipment installations. NOVEMBER/DECEMBER 2022 12
WORKFORCE | LEADERSHIP | OPERATIONS | FINANCE Dee Ann Turner explains how to combine the ingredients of a remarkable culture with extraordinary talent to create customer loyalty through a legendary customer experience. The difference between amazing customer service and poor customer experience is an employee who cares. Dee Ann helps her audience how to select, train, and motivate people to care more. The Secret Sauce of Legendary Customer Service Dee Ann Turner is a 33-year veteran of Chick-fil-A, Inc. Prior to retirement in 2018, she was Vice President, Talent and Vice President, Sustainability for Chick-fil-A, Inc. Selected as the company’s first female officer in 2001, she was instrumental in building and growing Chick-fil-A’s well-known culture and talent systems. accaconference.com KEYNOTE SPEAKER REGI STER NOW
Helping Prevent Workplace Accidents DISCLAIMER This article is for general information only and should not be considered legal or other expert advice. The recommendations herein may help reduce but are not guaranteed to eliminate any or all risk of loss. The recommendations herein are not intended to cover or identify all risk exposures. The information herein may be subject to, and is not a substitute for, any laws or regulations that may apply. Qualified counsel should be sought with questions specific to your circumstances. © 2022 Federated Mutual Insurance Company. SAFE@WORK By Nate Oland, Senior National Account Executive, Federated Mutual Insurance Company KNOWING THE INS ANDOUTS of your business is an important aspect to success, but do you know what’s going on behind the scenes — in your warehouse, or out on the shop floor? There are many facets to being in the air conditioning contractors industry, and one of the most important is the health and safety of your employees. Are they operating in their day-to-day work environments to the best of their abilities? And above all else, is your shop in top-tier condition — and are your employees following a strong, up-to-date risk management plan — to help allow for work to get done in the safest manner possible? Be Proactive There are many things that can be done to help keep your workplace accident-free, and that includes making necessary updates to your risk management plan. If it has been a while since the last time you made those updates, now is the time to act. Walking through your workplace on a regular basis with a checklist — noting things that are being done correctly, areas that need work, and areas with significant changes that may pose a risk if left undocumented in your plan — is a good place to start. Ensure that any problem areas are handled swiftly and appropriately. Conduct frequent training sessions, or toolbox talks, and ensure everyone is updated on changes to the risk management plan. Work with your team to come up with solutions for a safer workplace, and take their input into consideration. As you walk your shop’s space, seek out the right places to post up-to-date safety signage and reminders where they will be easily seen. Above all else, leading by example can help demonstrate the value of safe working habits and conditions. Communication is Key Communicate with your employees — what do they see going on as they work? Do they, or you, see areas that could be improved upon to enhance safety? As upgrades are made to your workplace, bear in mind that those changes should be reflected in your risk management plan. Pay attention to items such as: • Keeping floors open and clean. • U tilizing proper lighting in poorly-lit spaces. • P roperly using ladders, forklifts, or operating heavy machinery. • C leaning up any and all spills promptly and in a safe manner. • Labeling materials correctly and clearly. • E nsuring that employees are wearing the proper protective gear. In addition, it may help to look for ways to make work less physically demanding by using the right tools and machinery, thereby reducing unnecessary strain on your employee’s bodies. Conducting a Job Hazard Analysis on the tasks your employees perform may help identify where enhancements can be made. Your employees’ safety is of the utmost importance, as is maintaining safe work standards at your business. By frequently checking on the status of workplace, you could help save your employees, and your business, from potentially dangerous or deadly safety lapses. NOVEMBER/DECEMBER 2022 14
Federated DriveSAFESM leverages technology to give you and your company drivers consistent meaningful feedback about their driving habits. Partnering with You to DriveSAFE Commercial Insurance Property & Casualty | Life & Disability Income | Workers Compensation | Business Succession and Estate Planning | Bonding Federated Mutual Insurance Company and its subsidiaries** | federatedinsurance.com 22.01 Ed. 8/22 *View A.M. Best Rating Guide information at www.ambest.com. **Not licensed in all states. © 2022 Federated Mutual Insurance Company Scan to learn more about Federated DriveSAFESM It’s Our Business to Protect Yours® Please Make It Home Safe Today. * Federated DriveSAFESM le ages technology to give you and your company drivers consistent meaningful feedback about their driving habits. Partnering with You to DriveSAFE Commercial Insurance Property & Casualty | Life & Disability Income | Workers Compensation | Business Succession and Estate Planning | Bonding Federated Mutual Insurance Company and its subsidiaries** | federatedinsurance.com 22.01 Ed. 8/22 *View A.M. Best Rating Guide information at www.ambest.com. **Not licensed in all states. © 2022 Federated Mutual Insurance Company Scan to learn more about Federated DriveSAFESM It’s Our Business to P otect Yours® Please Make It Home Safe Today. * Federated DriveSAFESM leverages technology to give you and your company drivers consistent meaningful feedback about their driving habits. rt ri it t ri F Commercial Insurance Property & Casualty | Life & Disability Income | Workers Compensation | Business Succession and Estate Planning | Bonding Federated Mutual Insurance Company and its subsidiaries** | federatedinsurance.com 22.01 Ed. 8/22 *View A.M. Best Rating Guide information at www.ambest.com. **Not licensed in all states. © 2022 Federated Mutual Insurance Company Scan to l arn more about Federat d DriveSAFESM It’s Our Business to Protect Yours® Please Make It Home Safe Today. *
16 NOVEMBER/DECEMBER 2022
HOW TO PREVENT AND MITIGATE CYBERCRIME By Megan Stolz Rogers Not If, butWhen 17 NOVEMBER/DECEMBER 2022
PREVENTION Having the necessary tools for protect- ing electronic assets means budgeting for them. Just as technology changes rapidly, so do cybercrime schemes, and out- of-date hardware and software become more vulnerable with time. Have a dedicated tech budget to regularly upgrade hardware and software. A large system upgrade can be an intimidating cost to a small business, but so is a security breach, says John Nedoba, president of Boelcke Heating & Air Condition, based in Stevensville, MI. “There are two major things that are associated with keeping a company safe,” says Luther Burrel, vice president of administration and information tech- nology at Ivey Mechanical Company. “Number one is to absolutely have some type of security software in place, and not just a single solution. If indeed you do get breached, the second most important piece of that is to be backed up offline where you can recover.” Multi-solution security has layers, such as a firewall for the overall system, security software on individual pieces of hardware, and email monitoring. The more complex and layered the security, the harder it will be for a cybercriminal to find a weak point. A system that is difficult enough to pen- etrate can dissuade a criminal, who might move on to an easier target. After Boelcke Heating & Air Conditioning had been hacked, the company moved to a more secure cloud-based system instead of a server-based system, says Nedoba. Service teams are entrusted with sen- sitive customer data, including credit card information. Gone are the days of conducting transactions on paper. Boelcke Heating & Air Conditioning uses company-owned devices, each dedicated to a service truck, for all customer trans- actions. This ensures customer data is stored and encrypted directly in the com- pany’s system. Ideally, there should be more than one backup, including an off-site backup. A company can quickly access information backed up off-site in the event of a security breach — especially if a cybercrimi- nal attempts to hold company information ransom or deletes it entirely. For any business, large or small, the question of facing a cyberattack isn’t if — it’s when. “Cybersecurity should not be an afterthought,” says Gareth Van Orman, IT manager at Ivey Mechanical Company, based in Kosciusko, MS. “You should build and design your systems with the thought in mind that it will be as secure as you can make it.” NOVEMBER/DECEMBER 2022 18
STAFF RESPONSIBILITY Someone needs to pay attention to the state of the company’s technology and cybersecurity. Smaller companies who can’t afford to have a dedicated staff IT person can outsource this to a trusted vendor, who can perform routine system maintenance, monitor the firewall, and advise when it’s time to upgrade. Larger companies will need to have dedicated IT staff. While com- panies of all sizes are at risk, the larger a company grows, the bigger a target it becomes, says Van Orman. Staff play an important role in protecting the company. While it’s important to include cybersecurity in employee training and onboarding pro- cesses, it’s a mistake to take a one-anddone approach. Cybersecurity should be a day-to-day part of workplace culture and operations. Regularly bring up cybersecurity topics, questions, and reminders, such as at all-staff meetings, when systems are being updated, or when small issues come up. If everyone in the company is thinking about cybersecurity on a dayto-day basis, the business is less likely to become vulnerable through passivity. Drills for cyber risks keep staff on alert. For example, send out an unan- nounced mock phishing email to staff. Do a walk-through and ask employees to turn over their keyboards or open draw- ers, two places where people will often try to hide a written-down password. Alert staff to threats, such as someone receiving a suspicious email. In a July 27, 2022, article in InformationWeek, Jessica Davis reported that while insider threats are a small number of all cyberattacks, of those, the highest percentages of insider threats come from ex-employees. A disgruntled or former employee has the potential to wreak havoc with a company’s system and information or share confidential or proprietary information out of revenge. Limit access to sensitive data to only the necessary staff members, and discourage password sharing among staff. Cybersecurity should also be part of the protocol for employee termination or resignation, such as changing passwords. NOVEMBER/DECEMBER 2022 19
In 2020, the FBI reported that “between January 2014 and October 2019, the Inter- net Crime Complaint Center received complaints totaling more than $2.1 billion in actual losses from Business Email Compromise scams using two popular cloud-based email services.” Phishing schemes — when a cyber- criminal uses websites or emails that seem legitimate and reputable but are actually designed to collect personal or business information to steal money or an identity — are getting more sophisticated. A single letter in an email address can be the only difference between a legitimate address and a predatory one. Small businesses in which the owner is more directly involvedwith day-to-day operations may need to be more vigilant about email phishing schemes. In larger companies, anyone regularly working with executive-level staff or outside vendors needs to be on the lookout. The best way to catch a fake email is to pay attention and double check. Does anything seem off? Is the logo not quite right? Does the signature not quite follow standard format? Does the request seem unusual? Then, verify with who the message appears to be coming from. It’s good practice to build verification into the workflow for some requests or processes, such as those involving money or customer information. Certain requests may be handled in person only, for example. Standardizing procedures also makes it easier to notice and flag any variations from those procedures as suspicious. Even if the company has strong security in place, if employees access personal accounts on company devices, a phisher may use that as the entry point into the system. Someone who is more vigilant at work may let down their guard in their personal interactions. Additionally, all business should be handled within the company’s email system. Along with email, passwords can be an obvious weak point for companies from a cybercriminal’s perspective. Many people know the basics of password security, such as not writing them down, using complex passwords, and not reusing passwords for more than one login, but these basics need to be put into practice. Along with employee turn- over, passwords should be changed regularly, and any program or device that has the option for multi-factor authenti- cation should use it. For smaller companies that cannot afford a sophisticated security system, safeguarding email and passwords may be their most important defense, espe- cially if an owner is involved in day- to-day operations and can be easily impersonated online. Statement of Ownership Statement of Ownership, Management, and Circulation (All Periodicals Publications Except Requester Publications) 1. Publication Title 2. Publication Number 3. Filing Date _ 4. Issue Frequency 5. Number of Issues Published Annually 6. Annual Subscription Price 7. Complete Mailing Address of Known Office of Publication (Not printer) (Street, city, county, state, and ZIP+4®) Contact Person Telephone (Include area code) 8. Complete Mailing Address of Headquarters or General Business Office of Publisher (Not printer) 9. Full Names and Complete Mailing Addresses of Publisher, Editor, and Managing Editor (Do not leave blank) Publisher (Name and complete mailing address) Editor (Name and complete mailing address) Managing Editor (Name and complete mailing address) 10. Owner (Do not leave blank. If the publication is owned by a corporation, give the name and address of the corporation immediately followed by the names and addresses of all stockholders owning or holding 1 percent or more of the total amount of stock. If not owned by a corporation, give the names and addresses of the individual owners. If owned by a partnership or other unincorporated firm, give its name and address as well as those of each individual owner. If the publication is published by a nonprofit organization, give its name and address.) Full Name Complete Mailing Address 11. Known Bondholders, Mortgagees, and Other Security Holders Owning or Holding 1 Percent or More of Total Amount of Bonds, Mortgages, or Other Securities. If none, check box None Full Name Complete Mailing Address 12. Tax Status (For completion by nonprofit organizations authorized to mail at nonprofit rates) (Check one) The purpose, function, and nonprofit status of this organization and the exempt status for federal income tax purposes: Has Not Changed During Preceding 12 Months Has Changed During Preceding 12 Months (Publisher must submit explanation of change with this statement) PS Form 3526, July 2014 [Page 1 of 4 (see instructions page 4)] PSN: 7530-01-000-9931 PRIVACY NOTICE: See our privacy policy on www.usps.com. ACCA Now USPS 9910 09/16/2022 Bi-Monthly 6 $29.00 1330 Braddock Pl, Suite 350 Alexandria, VA 22314 Melissa Broadus (703) 824-8842 1330 Braddock Pl, Suite 350 Alexandria, VA 22314 Melissa Broadus 1330 Braddock Pl, Suite 350 Alexandria, VA 22314 Natalie D'Apolito 1330 Braddock Pl, Suite 350 Alexandria, VA 22314 Natalie D'Apolito 1330 Braddock Pl, Suite 350 Alexandria, VA 22314 Air Conditioning Contractors of America 1330 Braddock Pl, Suite 350 Alexandria, VA 22314 13. Publication Title 14. Issue Date for Circulation Data Below 15. Extent and Nature of Circulation Average No. Copies Each Issue During Preceding 12 Months No. Copies of Single Issue Published Nearest to Filing Date a. Total Number of Copies (Net press run) b. Paid Circulation (By Mail and Outside the Mail) Mailed Outside-County Paid Subscriptions Stated on PS Form 3541 (Include paid (1) distribution above nominal rate, advertiser’s proof copies, and exchange copies) Mailed In-County Paid Subscriptions Stated on PS Form 3541 (Include paid (2) distribution above nominal rate, advertiser’s proof copies, and exchange copies) Paid Distribution Outside the Mails Including Sales Through Dealers and Carriers, (3) Street Vendors, Counter Sales, and Other Paid Distribution Outside USPS ® Paid Distribution by Other Classes of Mail Through the USPS (4) (e.g., First-Class Mail ®) c. Total Paid Distribution [Sum of 15b (1), (2), (3), and (4)] d. Free or Nominal Rate Distribution (By Mail and Outside the Mail) (1) Free or Nominal Rate Outside-County Copies included on PS Form 3541 (2) Free or Nominal Rate In-County Copies Included on PS Form 3541 Free or Nominal Rate Copies Mailed at Other Classes Through the USPS (3) (e.g., First-Class Mail) (4) Free or Nominal Rate Distribution Outside the Mail (Carriers or other means) e. Total Free or Nominal Rate Distribution (Sum of 15d (1), (2), (3) and (4)) f. Total Distribution (Sum of 15c and 15e) g. Copies not Distributed (See Instructions to Publishers #4 (page #3)) h. Total (Sum of 15f and g) i. Percent Paid (15c divided by 15f times 100) * If you are claiming electronic copies, go to line 16 on page 3. If you are not claiming electronic copies, skip to line 17 on page 3. PS Form 3526, July 2014 (Page 2 of 4) ACCA Now 09/12/2022 8000 8,362 15 12 0 0 0 0 8,015 8,374 20 20 1 1 0 0 0 0 21 21 8036 8,395 100 100 8136 8,495 99% 99.7% Statement of Ownership, Management, and Circulation (All Periodicals Publications Except Requester Publications) 16. Electronic Copy Circulation Average No. Copies Each Issue During Preceding 12 Months No. Copies of Single Issue Published Nearest to Filing Date a. Paid Electronic Copies b. Total Paid Print Copies (Line 15c) + Paid Electronic Copies (Line 16a) c. Total Print Distribution (Line 15f) + Paid Electronic Copies (Line 16a) d. Percent Paid (Both Print & Electronic Copies) (16b divided by 16c Í 100) I certify that 50% of all my distributed copies (electronic and print) are paid above a nominal price. 17. Publication of Statement of Ownership If the publication is a general publication, publication of this statement is required. Will be printed in the ________________________ issue of this publication. Publication not required. 18. Signature and Title of Editor, Publisher, Business Manager, or Owner Date I certify that all information furnished on this form is true and complete. I understand that anyone who furnishes false or misleading information on this form or who omits material or information requested on the form may be subject to criminal sanctions (including fines and imprisonment) and/or civil sanctions (including civil penalties). 0 0 8,015 8,374 8,036 8.395 99% 99.7% 11/1/22 , editor 09/16/2022 EMAIL PHISHING AND PASSWORD PROTECTION NOVEMBER/DECEMBER 2022 20
RkJQdWJsaXNoZXIy OTc2NjAy