Winterize Yourself!

We have been talking about winterizing your house and car in recent postings; we shouldn’t forget to winterize ourselves.  Immunizations are about the best approach we have for primary prevention of disease.  Here in Jefferson County, we learned a bit this year about what can happen if we are not vigilant in keeping our immunizations up to date.  We had an outbreak of Whooping Cough that made state headlines. 

Now we are about to enter the flu season; it is time to roll up our sleeves and get our shots.  Influenza is a disease we combat every year and it is a sort of roulette wheel for the public health folks.  There are three types of influenza viruses: A, B, and C, but that is only the beginning of the story.  These three types are responsible for 306 human influenza viruses and influenza A viruses are further classified by subtype and both A subtypes and B viruses are also classified by strains. The H1N1 virus we saw worried about in the papers in 2009 is a strain of Influenza A.  We also call it swine flu; we can worry about it again this year if we don’t get vaccinated.

Flu strains mutate all the time and every time a strain mutates and acts in a different way, it is given another name.  What is really important though is to identify the strains that look like they will be active in the next flu season or are a real threat to humans.  The folks who study flu predict which strains will be important and mix up a batch of flu vaccine that provides immunization against the strains they expect to see.  Mostly they get it right, but sometimes a variant creeps in that isn’t covered.  

The 2012 flu vaccine offers immunization for:  

  • A/California/7/2009 (H1N1)-like virus (same strain as 2011-2012 flu season)
  • A/Victoria/361/2011 (H3N2)-like virus
  • B/Wisconsin/1/2010-like virus.

The H1N1 strain is the only one in common with last year’s vaccine; the other two are new for this year. 

Flu season usually peaks in January or February, but it can occur later and there are already cases reported this year in Washington State, so it’s time to get your shot as soon as possible for the greatest protection.  If you worry about flu much and want to track it, there are great resources at the Centers for Disease Control and through the Washington State Department of Health.  

Some people don’t like shots and would just as soon avoid getting one; don’t do that.   Not only does flu vaccination help you as an individual, but as a community effort everyone who gets a flu shot helps their neighbor.  These days, if you are in the right age range you can also get your vaccine as a nasal spray.  When enough people are immunized, our community acquires what is known as “herd immunity” – the flu can’t jump from person to person because there are enough immune people to block the jump.  There are people who should not get flu shots unless they consult their physicians – like people who are sick, have an allergy to chicken eggs, have had a reaction to an influenza vaccination or have a history of Guillain–Barré Syndrome.  Also, kids under 6 months old should not get influenza vaccine.  All these people depend on the rest of us to help protect them. 

If you need to know where to get a flu shot or the newer flu nasal spray, go to the Washington Department of Health website at and enter your zip code.

Taking Care of Your Home

When you buy a
home, your mortgage holder will require that you carry homeowners insurance;
this is to provide financial protection for you and your banker.  Insurance, though, is only part of the
picture.  You need insurance to protect
your home and its contents against accidental damage and to protect your
possessions against theft.  Insurance
addresses the rapid and unpredictable events that can eat into the value of
your home. 

There is another
set of events that is neither sudden nor unpredictable, but over time can wreak
the same havoc as a hurricane or a fire. 
Those events are the slow deterioration of a house that is not
maintained.  While it may take years, the
ravages of time will destroy an unmaintained house as certainly as any

A typical
Washington homeowners insurance policy includes coverage for the structure of
your home, personal belongings, liability protection and ancillary expenses
such as support while you cannot live in your home as a result of damage
through a covered peril.  What homeowners
insurance does not cover are those events that are rare but devastating –
flood, earthquake or landslide, for example – and those items that are part of
normal wear and tear. Managing your risk of loss requires addressing each of
these areas – general homeowners insurance, coverage for special risks and a
sound maintenance plan to make certain your home is in the best condition it
can be.

Your first step
should be to read and understand your homeowners insurance policy.  What perils are covered?  Typically, covered perils include, fire,
windstorm, riot or civil commotion, theft and vandalism and water damage if it
is due to sudden and accidental leaks from plumbing, heating or
air-conditioning systems or domestic appliances.  You need to make sure that the perils covered
are those common to your area and understand how they will be dealt with.  For example, what is an accidental leak and
how does it differ from a leak that may be a maintenance issue?

Once you
understand what is covered in your standard policy, you need to consider those
risks not covered – high value items, floods and earthquakes are examples of
areas where you might consider additional coverage.  Often a decision on this additional coverage
will depend on your risk tolerance.  For
example, if you have an extensive coin collection you might want to make
certain you have additional coverage for it; if your collection is not large,
you may decide you could absorb its entire loss. Special coverage can virtually
always be purchased to insure against perils that are not covered and for items
that require special treatment.

What will not be
covered by either a standard homeowners policy or by extended special coverage
are losses related to inadequate or improper home maintenance.  These are the homeowner’s responsibility. You
should consider developing a home maintenance plan to further reduce your
risk.  For example, a regular schedule of
cleaning gutters can help preserve the integrity of your roof; regular trimming
of bushes around dryer vents or other heat sources helps reduce the risk of
fire.  You should pay special attention
to moisture related issues.  Most homeowner policies don’t cover damage caused by mold, fungi, rust, or rot because these
are not sudden and accidental occurrences. 
Insurers typically view them as maintenance issues, though some may
provide a limited amount of mold coverage or allow you to buy additional
coverage for mold by adding an endorsement.

There are several
good homeowners maintenance plans available or you can create your own.  In Washington, for example, the Building Industry of Washington (BIAW) has developed an extensive plan that addresses
many areas that help reduce your risk of an insurable event.  A sound maintenance plan that is followed can
help you preserve and protect you major home investment.


Time to Winterize the Car

Changing technology has brought big changes to the century-old problem of how to get your car ready for winter. The oil and gas industry has improved oils to the point we know longer need to worry about changing to “winter oil” versus summer oil, we just keep on driving around with the same high quality multi-viscosity oil all year. They have also put 10% ethanol in our gas. The byproduct of this is some protection against frozen gas lines if you get water in your gas. The battery folks have improved their products as well. Where we used to be advised to test our batteries and refill them before winter, most batteries now are factory sealed and you could neither test them with a hygrometer or fill them if you would thought they were low on fluid. The only thing you need to do with your battery these days is make sure the connections are tight. If you suspect your battery is losing its capability to hold a charge, your mechanic will be happy to do a load test for you to help determine whether you need a new one.

Advances in tire technology have given us the “all weather” tire which can safely be used all year round for many of us. If you live in an area on Washington’s Olympic Peninsula where there is a lot of snow – like Brinnon for example – you might want to consider snow tires. Please remember though that all-season tires only work when they have plenty of tread and when they are properly inflated. Your tire pressure will drop with the falling temperatures – about 1 pound per square inch for every 10°. Here, if you inflated to 30 pounds per square inch in July, by November you could be closer to 25 pounds per square inch. If you move around a lot two areas of the state where there is a lot of snow, you might want to consider studded tires. If you have four-wheel drive, follow your manufacturers’ recommendation for servicing and be sure to test an “on-demand” system before winter weather sets in.  

As your Washington auto insurance agency, Homer Smith Insurance wants to remind you to be prepared for winter driving.  You can anticipate at least a few days of pretty rotten weather between November 1 and April 1 if you live here on the Peninsula. Don’t neglect your car’s windshield wipers. Check your wiper fluid and wiper blades; refill fluid and change blades as necessary.  Wiper blades are generally good for about a year. Replace them if they are worn, frayed or leave streaks.  Dirty water and salt on your windshield reduces visibility and you need a clear view for a safe trip. You don’t want to be navigating our twisting roads peering out the side window and looking for the white lines on the road.  Fill your wiper fluid reservoir with a brand that has an appropriate freezing temperature.

The end of daylight saving time is a good marker to check your belts and hoses.  Cold weather can weaken belts and hoses so any problems are only likely to get worse.  Looks for leaks where hoses connect and check for frayed belts.  If a belt or hose looks questionable, get it replaced.  

Prepare for emergencies.  Make sure your spare tire is properly inflated and you have a wheel wrench and a good jack.  Carry a shovel, jumper cables, tire chains and at least a minimal tool kit that includes a flashlight.  A bag of sand, salt or cat litter carried in the trunk will help provide a little weight over the wheels for a rear wheel drive car and may give you some extra traction if you need to get a wheel our of a rut. 

Winter or summer, your car should have a “survival kit” analogous to the one in your house.  Pack some extra batteries for that flashlight in your toolkit, a knife or scissors and cord and matches in a waterproof container.  A small first aid kit is important and should include sterile gloves and a CPR shield.  , Pack reflective triangles or brightly-colored cloth and flares for roadside safety and a compass in the event you need to leave the car.  Winter specific items you should include are:  extra windshield cleaner, an ice scraper/snow brush and high energy foods with a long useful life – nuts, dried fruit and energy bars, for example.

The folks at have some advice if you get stranded:

  • Do not leave your car unless you know exactly where you are, how far it is to possible help, and are certain you will improve your situation. 
  • To attract attention, light two flares and place one at each end of the car a safe distance away. Hang a brightly colored cloth from your antenna.
  • If you are sure the car’s exhaust pipe is not blocked, run the engine and heater for about 10 minutes every hour or so depending upon the amount of gas in the tank.
  • To protect yourself from frostbite and hypothermia use the woolen items and blankets to keep warm.
  • Keep at least one window open slightly. Heavy snow and ice can seal a car shut.
  • Eat a hard candy to keep your mouth moist.

Homeowners Insurance – It May Cover More Than You Realize

Your home – it keeps you warm in the winter, cool in the summer and dry all year around; it can also help protect you even when you are not at home.   Your homeowner’s insurance policy is an asset that not only protects your home and its contents but helps defend you even away from home. Your Washington homeowners policy has two major parts.  Property insurance covers the structure of your home and its contents for fire, theft and other perils; personal liability covers damage to others caused by you, your family or your property – including medical expenses for those injured.  Pretty simple really, if there is a theft in your home and your brand new laptop is stolen, the theft is covered under your property insurance; if your neighbor trips on the loose board on your porch you are defended by your liability insurance.  What many people do not realize is that your homeowners insurance attaches to you as well as your home and when you are away from home, your insurance comes with you. The liability part of your homeowners insurance may provide coverage in the event you or a member of your family injures someone while you are on vacation.  Perhaps you hit a horrible drive that hooks off the golf course and straight through the windshield of a car parked near the course; you may be covered  under your homeowners policy for the repairs.  The medical and liability portion of your homeowners policy may cover you if your errant golf drive hits a person not a parked car or if your normally cheerful canine companion decides to nip on someone’s ankle at the amusement park. Property coverage can be quite extensive and cover many property loss situations away from home.   If your laptop is stolen from your rental car while you are on vacation, you can look to your home insurance for recovery – but remember if it is your business laptop, it may not a covered item.  Virtually anything that you own or purchase can be covered for loss or theft up to the policy limits subject to the same deductibles and policy limits just as they would at home.  If your luggage is lost by the airlines or valuable jewelry disappears from your hotel room, you may be able to recover under your homeowners policy.  It is a versatile tool that helps protect not just your home, but you as the homeowner.

Teen Driving Safety

Are you a teenage driver or do you have one in your house? There are over 200,000,000 licensed drivers in the United States today and about 6% of them are teens. As a group, they are more likely than other age groups to be involved in a fatal accident and more likely to get a traffic citation, except possibly for those 75 years and older. Car crashes are the leading cause of death for those in the age group from 16 to 21 years old. Some of this may be due to inexperience, but there are certainly other factors involved in the high proportion of teen deaths in motor vehicle accidents. Authorities like the National Highway Safety Transportation Authority (NHTSA) suggest that psychological and behavioral factors such as impulsivity, peer pressure and thrill seeking behavior may lead to the association with speeding, reckless driving and alcohol and drug use while driving that is a frequent cause of accidents. NHTSA studies have also shown new drivers are easily distracted and that teens are more likely to engage in risky behavior when in a group. It is not just fatalities that are of concern; national studies show that one speeding ticket results in an increase in insurance costs of $900 over the course of a three year period. So, teens and their parents need to be concerned not only about their physical health but their financial health as well.

There is no shortage of advice for teens about driving but it can boil down to some very quick observations:

  • Don’t drink or take drugs and drive; don’t get into a car with people who are drinking or taking drugs.
  • Don’t drive distracted; that is no texting, talking on cell phones while driving or other in car activities.
  • Buckle up. If you have heard some nonsense about ending up in a creek upside down and drowning because you couldn’t get out of the safety belt, forget about it.  It almost never happens.
  • Be careful when there’s a group in the car. Whether old or young, none of us is as distracted alone as we are in a group having fun – and
  • Watch your speed.

There are certainly other tips that may be helpful, like exercising care when driving in the dark or extreme weather but by and large if you observe the big five above, you will have a better chance of becoming a senior driver someday.

If you are the parent of a teen and feel that you need some help monitoring your teen’s driving habits, you may want to enlist the help of some technological aids. There are a variety of smart phone apps designed to help reduce distractions while your teen is driving and keep their passengers safer on the road.  While technology is advancing all the time, at Homer Smith Insurance we believe there really is no substitute for the teen learning good, safe driving habits along with close parental supervision.  

In addition to the safety benefits of responsible driving, teens will get the best auto insurance rates if they:  1) Maintain good grades, typically at least a B average;  2)  Keep a clean driving record, free of accidents and violations and;  3)  Take an approved driver’s education course.

Local and Organic; It’s All Good

Folks out here on the Olympic Peninsula have been close to the land for a long time. A lot of this area’s history has been tied up with the timber industry as well as fishing. Sometimes we forget that there has also been a strong agricultural presence.  The Dungeness Valley in Sequim, for example, grew potatoes wheat, oats, peas and apples for shipping to ports around Puget Sound. There was also a large crop of hops which supplied the Port Townsend breweries and the thirsty sailors who frequented them. The Egg and I, a book about rural Jefferson County in the 1930s highlighted a mixed agriculture economy that appears to be coming back.

The local food movement has really taken hold here. OlyCAP and other community organizations worked together to sponsor a conference on food security on the Olympic Peninsula back in 2007. That seemed to get a lot of people working together to help support area organic farmers and just introduce a bunch of people to each other. In the past few years area farmers markets have grown like never before with active markets in Port Angeles, Sequim and Port Townsend. Nash Huber of Nash’s Organic Produce was in the running for a national award as an organic farmer a few years back. Many of the local farmers have demonstrated tremendous community spirit in contributing excess produce to local food banks and allowing community groups to glean remaining produce from their fields and orchards after the harvest.  Community support runs both ways.

Both Clallam County and Jefferson County have a growing farm population and with expanding outlets that include the farmers markets, area restaurants and “farm share” Community Supported Agriculture (CSA) programs, individual farmers have a chance to make a difference. A lot of the new farming is organic as well, responding to a renewed public interest in healthy food. In Clallam County, Nash’s Organic Produce has been a leader in organic food production for years and their farm stand offers items not only from their farm, but other items from local producers. Jefferson County has a number of organic producers with farmers like John Gunning at Collingswood Farms and the folks at Midori farms actually producing in or near the Port Townsend “urban” environment. The organic food movement is supportive of all kinds of growers. Sequim is famous for its lavender and there are many organic lavender producers there.  Every summer in July many lavender farms are open to the public during the Sequim Lavender Festival — pictured above, Homer and Cynthia of Homer Smith Insurance visited Graysmarsh Farm this past July,  

Growing organic food – or even organic lavender – starts with organic seed and the Organic Seed Alliance has been quietly going about its business of educating farmers about the benefits of organic seed and advocating for organic production since 2003. Their offices are in Port Townsend and their reach is literally worldwide.

Each of these farms and organizations is pretty small when considered alone, but taken together they put the Olympic Peninsula in the front ranks of the local food and organic movement.  They make us all think a little bit more about the importance of supporting each other in our community.

Hurricane Katrina and the storms of 2005

There have been
more than 2000 federal disaster declarations since the year 1953, that’s an
average of 34 every year. The year 2011 set a new record with 99 federal disasters declared. A federal disaster is declared under the provisions of theStafford Act.  The act requires that the
governor of the state makes a request through the federal government and that
the declaration itself is made by the President of the United States. It is not
only states that can make a request, other entities such as the District of
Columbia, Puerto Rico and American Samoa, among others may also request a
federal disaster declaration.

Once a federal
disaster is declared, the disaster area becomes eligible for a number of
federal supports; a federal disaster presumes that the extent of damage and
devastation is beyond the capability for a local area or a state to provide an
adequate response.

August 29 marks
the anniversary of one of the largest federal disasters in history, Hurricane Katrina made landfall as a Category 4 hurricane striking the New Orleans, Louisiana
area. The storm was devastating to New Orleans and surrounding areas of
Louisiana, Mississippi and Alabama. Katrina caused 1836 deaths and flooded 80%
of New Orleans destroying many homes, small buildings and businesses.  Four hundred thousand people lost their jobs
as a result of the disaster; donations from U.S. citizens to help those caught
up in the disaster approached $600 million, but help poured in from everywhere,
with donations even from countries like Bangladesh and Sri Lanka.  Refugees from the disaster were spread out
across the states, even as far as Washington State and the Olympic Peninsula. 

Katrina caused
about $71 billion in insured losses and replaced hurricane Andrew as the
largest insurance loss from a natural disaster in US history.  There were other disasters as well and that
helped the year 2005 become the most expensive year in history for American
Insurance companies.  The 2005 hurricane set records for the number of storms – actually, more storms then there were
names for. Meteorologists had to add six Greek names to fill out the list of
storms. Counting losses from hurricanes Katrina, Dennis, Wilma, and Rita as
well as other storms and disasters, insurance losses in 2005 ran about $117
billion.  A report from Towers Perrin
noted that insurers writing any property coverage in the southeastern U.S. and
most reinsurers across the globe had losses stemming from Katrina.

Obviously these
storms take a huge human and financial toll not only on the people that they
affect directly, but on the nation as a whole. In addition to the amounts spent
to help those affected by Hurricane Katrina at the time, something over $14
billion has been spent to strengthen the levee system that protects the New
Orleans area. Ironically, as this blog is published, August 29, Hurricane Isaac
is headed toward New Orleans to test that levee system. Let’s all hope it

Summer’s Here – Kids, Pets and Hot Cars

A major area of concern at this time of year is the fast rate at which a car can heat up to an unbearable temperature. Every year you are likely to see a national news item about a child who has died after being left alone in a car on a warm day. In fact, our country has averaged 37 child deaths a year from heat exposure in vehicles since 1998. Even though our weather on the Olympic Peninsula is less extreme than in some parts of the country, that does not mean it couldn’t happen here. We may assume that because a day seems relatively cool out, that our kids and pets are safe locked in the car – think again. Even at 73°, on a sunny day the temperature inside a car can reach 120° in 30 minutes; on a 90° day that figure can rise to 160°.

The state of Washington is one of 19 states in the country that has a law that specifically addresses leaving a child unattended in a motor vehicle.  It is a misdemeanor offense to leave any child under 16 unattended in a motor vehicle with the engine running. While this doesn’t really address the question of heat exposure, it’s a good start and a reminder to exercise care.

Those most at risk for heat related problems are kids and dogs — both for similar reasons. Kids, particularly infants and young children, are not in the position to cool themselves by opening windows or taking off clothes. Dogs cool their bodies through their paw pads and through their tongues by panting. When the heat in a closed vehicle goes up there is little opportunity for the body to cool. It takes surprisingly little time for damage to be done.

So far as children are concerned, the standing rule ought to be never leave a child alone in a parked car.  Animals are different problems because they may not be welcome everywhere you are going.  It may involve selecting a restaurant with a drive-through rather than taking a few minutes out to sit inside. If you have to leave an animal unattended, be sure to crack a few windows to help slow any heat buildup and park in the shade if possible. These aren’t fail-safe remedies, but they may help.

It may be difficult to consider getting yourself involved in someone else’s business.  However, when you see a closed car and a child or an animal in distress, there really is not much time to act.  Calling 911 or animal control is an appropriate response to what is potentially a very dangerous situation.

Insuring Collectible Cars

There is not usually a lot in the news about auto insurance, but occasionally there is an exception.  A couple of years ago, magazines and newspapers were active with reports that a British insurer had settled a claim with “Mr. Bean”, actor Rowan Atkinson, to rebuild his rare McLaren F1 after a crash in 2011.  The sum for the repair job on this carbon fiber specialty car was a cool $1.4 million; not mentioned was any part of the settlement that might have gone to repairing the shoulder damage he suffered in the crash.

While the settlement and repair may seem a little mind numbing, it is a great illustration of the value of this sort of specialty insurance for car collectors and – by extension – any collectors of valuable items.  Obviously, the coverage is capable of high limits for collision damage, but it is also worthwhile noting that Washington auto insurance comprehensive and liability coverage can be correspondingly higher which may be of considerable benefit to a high net worth driver.  Policies can also be written for an “agreed value” coverage which may be very important when dealing with rare collector items where “replacement value” may be determined by the next auction.  Another potential benefit – important for Mr. Bean’s McLaren – is a provision to restore the car to its pre-accident condition and authenticity.  For a classic or collector car this can be very involved and accounted for the fact the McLaren restoration took over a year.

There may be some restrictions on policies that can actually make a classic or collectible car less costly to insure than the family car. Typical restrictions can include:

•Limits on how many miles you drive the car each year,
•Restrictions on how the car is stored (e.g., in a secured garage)
•Restrictions on who can drive the car – either named individuals or driving record restrictions
•Assurance the car will not be used for participation in any racing or speed contest or be used on a race track, test track, or any other course.

The designation of “collectible” cars is always in a state of change.  Cars over 25 years old have generally been viewed as “antique” but even newer, limited production cars can be considered for coverage. Certainly Mr. Bean’s McLaren fits the exotic and collectible bill.  For any limited use vehicle, it may be worthwhile checking to see if collectible coverage would be cheaper and more effective for your personal needs.

Finally, if you are curious about why a company might consider settling an insurance collision claim for $1.4 the answer can likely be found in the agreed value coverage and the knowledge that the last McLaren F1 sold on the open market fetched a bit over $5 million — and as of January 2015 Rowan Atkinson’s repaired, twice-crashed McLaren F1 was up for sale for $12 million.

No matter what the value of your collectible, antique, or everyday-use car, Homer Smith Insurance would be happy to provide a quote for you to insure it.  Visit our website at or call one of our knowledgeable agents at 888-433-0031.

Library on a Roll

Seeing the reports in the paper that the Library here received a $500,000 challenge grant from the National Endowment for the Humanities reminds us that the Port Townsend Library is on a roll – for the last hundred years.  The Library was actually founded in 1898 as the Port Townsend Library Association and opened in a second-floor room of the Central School with a small collection of books donated by the founders.  Within a year it had almost 700 books and a circulation of nearly 2,000. By January of 1903, the association had purchased a lot on Lawrence Street for $400, intending to build a library and by January of 1907 the association and the city had begun talking with the Carnegie Foundation.  The foundation was providing funding for community libraries throughout the United States that met a standard of public support.  The foundation required the town receiving funding not only demonstrate the need for a public library, but provide the building site, and promise 10 percent of the cost of the library’s construction annually to support its operation. 
The Port Townsend Library Association had a site for the library and could demonstrate the need, so citizens petitioned the City Council for financial support. In April 1911 the City Council passed a resolution to create and support a free library. It was a good thing, too, since that same month, according to the Morning Leader, the school district served notice on the library that it had to move out of the school.  Circulation more than doubled in that first year May B. Smith, the Librarian, reported to the City Council and the number of registered borrowers went from 97 to over 500.  
Plans for a new library building were submitted to the Carnegie Foundation, and in the fall of 1912 the foundation agreed to give $12,500 to the City of Port Townsend to erect a public library building on the condition that the city continue the monetary pledge for maintenance and salaries.  The grand opening was held Oct. 14, 1913, with a citywide celebration.
The Library evidently served citizens locally with distinction during the first half of the 20th century.  It cooperated with local school officials during the depression to increase time for students to complete homework at the library.  New collections were developed for young children and expanded reference materials were made possible through funding by the Ladies Auxiliary of the American Legion and the Parent-Teachers Association.  In 1934, at the height of the depression, the library raised enough money to remain open following budget cuts, winning a special levy by a nearly four-to-one margin. In the 1940s, the library added story hours for young children.  

In 1987 a group of residents formed a Diamond Jubilee Campaign to renovate and expand the library which had become too small and was physically deteriorating.  City residents – by then numbering 7,000 – raised $800,000 for the expansion, and in June 1990 a renovated and expanded Carnegie library was opened.

Growth in the town has us on the verge of expanding the Carnegie again, but this time the historical nature of the library and its success in serving the people of Port Townsend is attracting a wider audience.  The NEH grant is only one of the honors the PT Library has received.  It has also received a “Star” award from the Library Journal for the second year in a row – one of only five libraries in the state to be awarded and it is perennially among the leaders in the state for circulation in its size category.

Truly, as the Port Townsend Public Library continues into its second century it remains on a roll and there’s more news to come.