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Holly’s House Schedules Volunteer Orientation for August 7th

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On Wednesday, August 7th, Holly’s House will be hosting a volunteer orientation from 5:30pm to 6:30pm. We have many Fall events coming up and will need your help to put them together.

During the orientation, we will be talking about the services Holly’s House offers and have a tour. Holly’s House also requires each of our volunteers to completed background check. Volunteer applications and related paperwork will be available at the orientation.

The orientation is open to the first 40 people registered. If this date does not work for you, we will be offering another session later in the Fall.

Please contact Ashley at ashley@hollyshouse.org or 437-7233 to sign up for the orientation

Indiana State Police participate in Operation C.A.R.E. over 4th of July Holiday

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ISP

To help ensure the safety of all motorists during this heavily traveled holiday, Indiana State Police will be participating in Operation C.A.R.E. (Combined Accident Reduction Effort) from July 3rd through
July 7th. Operation C.A.R.E. is a federally funded program and will allow more than 100 additional troopers to patrol area roadways in an attempt to reduce the number of crashes, fatalities and injuries over the holiday weekend. Troopers will be targeting impaired drivers, motorists who speed, follow too closely, make unsafe lane changes, drive aggressively and fail to buckle up or properly restrain their children. Troopers also encourage motorists to stay off their cell phones while driving.

The Indiana State Police encourage all motorists to observe the following safety tips:
• If you’re planning to travel a long distance, make sure you are well rested. A fatigued driver is a dangerous driver.
• Avoid tailgating. Remember the two-second rule.
• Obey all speed limits and always use your turn signals when turning and changing lanes.
• Avoid using cell phones while driving. Distracted driving is dangerous driving.
• Never drink and drive.
• Make sure everyone is buckled up.

The Indiana State Police would like everyone to remember that driving comes with important responsibilities to yourself, your passengers and other motorists.

Hampton Inn Evansville Airport Indiana’s first LEED® Certified Hotel

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John Dunn

Dunn Hospitality Group is happy to announce the Hampton Inn Evansville Airport which opened in August 2011 has achieved LEED® certification, as recognized by the U.S. Green Building Council (USGBC). It is the first hotel property in Indiana to earn this recognition for sustainable building design, construction and operations.

The Hampton Inn Evansville Airport received its LEED® certification on June 10, 2013. The hotel incorporated a variety of sustainable design strategies to achieve the certification, including categories in energy use, lighting, water and material use. LEED® certified buildings save money and energy, decrease CO2 emissions, improve water efficiency and indoor environmental quality for hotel guests, employees and the community.

“We are thrilled with this acknowledgement and look forward to continuing to be a sustainability leader in the hospitality segment,” said John Dunn, CEO of the Dunn Hospitality Group. “Guests at The Hampton Inn Evansville Airport can rest assured their stay will have less of an impact on the environment.”

The Hampton Inn Evansville Airport was developed and is owned by Dunn Hospitality Group. Gaining LEED® certification for this hotel was based on a variety of design and construction elements that produce a positive impact on the community and building itself. These include:

• An in-room energy management system which automatically powers down air conditioning systems when guests are not in their rooms

• Energy Star-qualified compact fluorescent lights (CFLs) and LED lighting, televisions and other appliances

• Low-flow water fixtures, toilets, and faucets that reduce water usage by a third

• Bicycle rack, showers and changing facilities to encourage employees to bike and walk to work

• More than 40 percent of the products utilized during construction were purchased, assembled and manufactured within 500 miles of the site, limiting the transportation impact while improving the local economy.

• Hotel has a cool roof, a reflective surface which reduces heat transference

• The hotel facility is 100% non-smoking.

• Low emitting (VOC) materials (glues, sealants, woods) were used during the construction.

• Landscaping utilizes native plants, reducing the need for watering.

• The hotel is conveniently located in proximity to public transportation and provides a shuttle to guests that limits the need for car use.

• The hotel provides preferred parking places for fuel efficient and high occupancy vehicles.

Dunn Hopspitality Group owns and operates 5 hotels in Evansville and one in

Columbus, IN. In operation for over 35 years, Dunn Hospitality has become the

“Premiere Hospitality Company in the Midwest.”

Catch the Latest Edition of “The Indiana State Police Road Show”

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ISP

Indiana – Catch the latest addition of the “Indiana State Police Road Show” radio program every Monday morning at your convenience.

Download the program from the Network Indiana public website at www.networkindiana.com. Look for the state police logo on the main page and follow the download instructions. This 15 minute talk show concentrates on public safety and informational topics with state wide interest.

The radio program was titled “Signal-10” in the early sixties when it was first started by two troopers in northern Indiana. The name was later changed to the “Indiana State Police Road Show” and is the longest continuously aired state police public service program in Indiana.

Radio stations across Indiana and the nation are invited to download and air for FREE this public service program sponsored by the Indiana State Police Alliance and Cops for Kids, a subsidiary of the Indiana State Police Alliance.

This week’s show features Katie Carlson, of the Marion County Sheriff’s Office. Miss Carlson discusses her role as a Marion County Sheriff’s Office Public Information representative and the agencies responsibilities and their ongoing enforcement actions.

Forbes Best Big Cities in the US for Jobs in 2013

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Forbes has released its list of the 10 best American Cities for jobs in America for 2013. Only two of these cities are east of the Mississippi River with the closest to Evansville being greater Nashville. Texas and California combined for six of the remaining eight that included Salt Lake City and Denver making the west the jobs leader in America.

Forbes Best Big Cities in the US for Jobs in 2013

1. San Francisco-San Mateo-Redwood City, CA Metropolitan Division (2012 Employment Growth: 4.1 percent)
2. Nashville-Davidson-Murfreesboro-Franklin, TN (2012 Employment Growth: 3.8 percent)
3. Salt Lake City, UT (2012 Employment Growth: 4.0 percent)
4. Fort Worth-Arlington, TX Metropolitan Division (2012 Employment Growth: 3.8 percent)
5. Houston-Sugar Land-Baytown, TX (2012 Employment Growth: 2.0 percent)
6. Dallas-Plano-Irving, TX Metropolitan Division (2012 Employment Growth: 3.5 percent)
7. San Jose-Sunnyvale-Santa Clara, CA (2012 Employment Growth: 3.4 percent)
8. Charlotte-Gastonia-Rock Hill, NC-SC (2012 Employment Growth: 3.3 percent)
9. Denver-Aurora-Broomfield, CO (2012 Employment Growth: 2.8 percent)
10. Austin-Round Rock-San Marcos, TX (2012 Employment Growth: 3.7 percent

Source: Examiner.com

What Happens to Municipal Bonds as Rates Rise

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Rising Rates and Your Investments

What You Should Know
The bond markets are extremely active, with interest rates constantly changing in response to a number of factors including changes in the supply and demand of credit, Federal Reserve policy, fiscal policy, exchange rates, economic conditions, market psychology and, above all, changes in expectations about inflation. Currently, rising interest rates and expectations for economic recovery are impacting bond prices. As interest rates change, so do the values of all bonds in the marketplace. If you are thinking about buying bonds, or have recently bought some, you need to be aware of the effect of rising rates on your holdings. Here are some questions you should consider.

Question
Now that interest rates have started to rise, how will that affect bonds?

Answer
Interest rates, which recently hovered at their lowest levels in 40 years, are rising. Just as bond prices go up when yields go down, the prices of bonds you own now will generally drop as yields—interest rates—go up.

Question
When rates go up, do all bonds lose the same value?

Answer
No, changes in interest rates don’t affect all bonds equally. Generally speaking, the longer the bond’s maturity, for example a bond that matures in ten years versus another that matures in two years, the more it’s affected by changing interest rates. A ten year bond will usually lose more of its value if rates go up than the two year note. Also, the lower a bond’s “coupon” rate, the more sensitive the bond’s price is to changes in interest rates. Other features can have an effect as well. For example, a variable rate bond probably won’t lose as much value as a fixed rate security.

Question
What should I do as interest rates rise? Should I hold onto my bonds or sell them?

Answer
If you buy a bond and hold onto it until it matures, which many investors do, rising rates won’t have any effect on the income you receive. You simply redeem your maturing bond and get back par, or the face value, of the bond. In the meantime, you will continue to earn or accrue interest at the rate you expected when you bought the bond. Here’s an example provided by Bloomberg, LP:

Example #1: Buy and Hold
You buy a 10 year U.S. Treasury Note with a face value of $1,000 and an interest rate of 4.26%. If you keep the bond until it matures, you’ll receive $42.60 each year for ten years, plus the original $1,000.

Question
What happens if rates go up and I need to sell my bonds?

Answer
If interest rates go up and you need to sell your bonds before they mature, you need to be aware their value may have gone down and you may have to sell at a loss. Remember bond prices move in the opposition direction as yield. Here’s an example again provided by Bloomberg, LP:

Example #2
Sell before Maturity & Interest Rates have gone up.
An investor buys a 10 year U.S Treasury Note with a face value of $1,000 and an interest rate of 4.26%. If the investor sells the bond before it matures and interest rates have risen 2%, he or she would only receive $863.34 (plus any interest paid before the sale).

Question
At some point, though, rates will go down. What will happen if I sell then?

Answer
If interest rates have gone down since you bought your bonds, the value of your bonds will have actually gone up, giving you what’s known as a “capital gain.” That’s because your bond is worth more. Here’s another example using the Bloomberg data:

Example #3
You Sell Your Bond Before It Matures & Interest Rates have gone down.
You buy a 10 year U.S. Treasury Note with a face value of $1,000 and an interest rate of 4.26%. If you sell your bond before it matures and interest rates have dropped 2%, you will receive $1,118.54 (plus any interest paid before the sale).

Question
What happens to my bond fund if interest rates rise?

Answer
Since a bond fund doesn’t have a specific maturity date, the chances are the fund’s total return will go down. Total return encompasses both change in prices and interest rate payments. If interest rates rise, the values of bonds held by the fund would fall, negatively affecting total return. However, the fund will continue to receive interest payments from the bonds it holds and will pass them along to investors regularly, maintaining current yield. Bond fund investors also enjoy professional management and asset diversification.

Question
Besides rising interest rates, are there any other risks I should consider?

Answer
Yes, virtually all investments carry some degree of risk that you might lose some or all of your investment. When investing in bonds other than government-guaranteed securities, it’s important to remember that an investment’s return is linked to its credit as well as market changes. The higher the return, the higher the risk. Conversely, relatively safe investments offer relatively lower returns. Bond choices range from U.S. Treasury securities, which are backed by the full faith and credit of the U.S. government and are free from credit risk, to bonds that are below investment grade and considered speculative. In assessing your tolerance for risk, ask yourself, “What will I do if my investment is not there when I need it?”

Question
Should I buy bonds now?

Answer
Most personal financial advisors recommend that investors maintain a diversified investment portfolio consisting of bonds, stocks and cash in varying percentages, depending upon individual circumstances and objectives. You need to be aware of the risks, particularly now, of rising interest rates. But if you are planning to buy bonds and hold them to maturity, they will provide a predictable stream of payments and repayment of principal. Many people invest in bonds to preserve and increase their capital or to receive dependable interest income. Whatever your investment goals-saving for your children’s college education or a new home, increasing retirement income or any of a number of other worthy financial goals-investing in bonds can help you achieve your objectives.

Arthritis of the Knee? What Helps and What Doesn’t

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Dr. Arnold (From the American Academy of Orthopaedic Surgeons)
By Roy M. Arnold MD

Arthritis of the knee is very common in the over 40 population. Osteoarthritis occurs from the natural wear-and-tear associated with upright posture and activity. The natural cushion, known as cartilage, between the bones forming the knee joint wears away and the bones begin rubbing together. This results in pain, swelling and difficulty moving. With time, bony overgrowth called osteophytes or bone spurs can develop. An estimated 27 million Americans have knee arthritis.
The American Academy of Orthopaedic Surgeons (www.aaos.org) is the largest professional association of Bone and Joint surgeons in the US and has recently released and exhaustive scientific study of the literature about various treatments for knee arthritis. The actual study contains over 1200 pages of scientific review, but to spare you reading the entire tome, a brief summary is provided below. For clarity the recommendations have been divided into 3 categories; Treatments or techniques that a preponderance of strong scientific evidence demonstrate effectiveness or What Works; Treatments or techniques that a preponderance of scientific evidence doesn’t demonstrate effectiveness or What Doesn’t Work; and finally treatments or techniques for which there is little evidence either for or against effectiveness or Inconclusive.
What Works:
• Exercise – The Academy recommended that patients engage in regular low-impact aerobic exercise and neuromuscular education consistent with national guidelines (150 minutes weekly.) Initially the exercise should be guided by an exercise professional (Physical therapy or athletic trainer.)
• Weight Loss – For those patients over a Body Mass Index of 25, the Academy recommended weight loss.
• Non-Steroidal Anti-Inflammatory Drugs – The Academy recommended for the use of these drugs. This category includes over-the-counter drugs such as ibuprofen and naproxen, and prescription drugs like Celebrex®, indomethacin, diclofenac, or sulindac.
What Doesn’t Work:
• Acupuncture – The Academy issued a strong recommendation against the use of acupuncture based on lack of efficacy in several randomized controlled trials, not on evidence of potential harm.
• Lateral wedge insoles – these are shoe inserts designed to relieve pressure on the knee during walking.
• Glucosamine and Chondroitin – The Academy issued a strong recommendation against based on lack of efficacy not on evidence of potential harm.
• Hyaluronic Acid injections – These drugs are injected directly into the knee joint in hopes that pain relief will result. These drugs are sold under the name of Euflexxa®, Supartz®, Synvisc®, Hyalgan®, and Orthovisc®. These injections are expensive and there was little evidence that they we effective in the Academy’s opinion.
• Needle Lavage – This procedure involves inserting a needle in the knee and washing (lavaging) the joint with sterile saline. The Academy found little evidence to support the use of this procedure.
• Arthroscopy with lavage and/or debridement – This is a surgical procedure in which a scope is inserted in the knee joint, cartilage may be trimmed or shaved and then the joint is irrigated with sterile saline.
• Free floating positioning device – The Academy issued a consensus opinion against the surgical procedure.
Inconclusive: The Academy found little or no evidence to recommend for or against these treatments
• Physical modalities – TENS, electrical stimulation, ultrasound, etc.
• Manual therapies – massage, chiropractic manipulation, or myofascial release.
• Bracing
• Acetominophen, opiates or pain patches.
• Steroid injections.
• Growth factor or platelet-rich plasma injections.
• Partial knee cartilage removal.
• Tibial osteotomy
What most interested me is that many of the more common procedures performed by orthopaedic surgeons like hyaluronic acid injections, other injections, arthroscopy and lavage were not recommended by the Academy. No mention was made of copper bracelets, magnets and other supplements. One can assume there was no published scientific evidence about these treatments.
To this author, it was very encouraging to see a surgical specialty society take a measured, scientific approach to evidence-based medicine and to publish a guideline emphasizing the same without respect to the potential financial impact on its members. A 13 page summary of the recommendations is available online at http://www.aaos.org/research/guidelines/OAKSummaryofRecommendations.pdf.

Vanderburgh County Redevelopment Commission Meeting

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Vanderburgh_County_in_seal

The Vanderburgh County Redevelopment Commission will meet on Wednesday, July 10, 2013 at 9:00 a.m. in Room 307 of the Civic Center Complex located at 1 N.W. Martin Luther King Jr. Blvd. to consider, among other things, a proposed Memorandum of Understanding regarding a shell building to be constructed within the Vanderburgh Industrial Park, proposed Resolutions determining the 2014 budget year TIF revenues and notices to overlapping taxing units regarding certain issues relating to TIF revenues.

Traffic Cameras (Robo-Cops) Unleash Chaos in Ohio

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ELMWOOD PLACE, OH — This little village had a big problem.

Each day, thousands of cars – sometimes as many as 18,000 – rolled along Elmwood Place’s streets, crossing the third-of-a-mile town to get to neighboring Cincinnati or major employers in bustling suburbs or heavily traveled Interstate 75. Many zipped by Elmwood Place’s modest homes and small businesses at speeds well above the 25 mph limit.

Bedeviled by tight budgets, the police force was undermanned. The situation, villagers feared, was dangerous.

Then the cameras were turned on, and all hell broke loose.

Like hundreds of other U.S. communities big and small, Elmwood Place hired an outside company to install cameras to record traffic violations and mail out citations.

In the first month after the cameras began operating, late last year, 6,600 tickets went out – more than triple the village’s population. Before some unsuspecting drivers realized it, they had racked up multiple $105 citations they would learn about when their mail arrived weeks later. Some 70 parishioners, or more than half the congregation at Our Lady of Lavang Catholic Community Church, were ticketed on one Sunday last September.

Soon, there was a Facebook page promoting a boycott of the village, a petition drive against cameras, and a lawsuit against the village that threatened to wreck Elmwood Place financially. Four council members resigned. And an atmosphere of distrust and uneasiness hung over a village that traced its roots back to the 19th century, before traffic cameras or even automotive traffic.

“I think Elmwood Place tried to do something, but maybe not in the right way,” said Catherine Jones, who brought a chair and small table out of her namesake Southern-style restaurant on a recent afternoon and sat in the sun as she read her Bible and wrote out notes about the verses.

Just last year, she recalled, a pedestrian was hit and killed a couple blocks from her restaurant, near an elementary school. So she understood that something had to be done. But now she is among many small business owners worried that the cameras have given the village a speed-trap stigma.

Few things will rile citizens quicker than getting tickets in the mail, along with photos of their vehicles under a red light. The letters usually inform them they will not be assessed traffic violation “points”; nor will their insurance company be contacted. But they must pay up, or face a collection agency and damage to their credit ratings.

Supporters of camera enforcement say they stretch law enforcement resources, and they usually result in safer driving and thus save lives. Opponents see cameras giving governments a way to grab more money from taxpayer pockets, putting local policing in the hands of remote, for-profit companies, and taking society another step toward an Orwellian state of constant surveillance for misbehavior.

In Arizona, where two large photo enforcement companies are based, red-light and speed enforcement cameras have been a matter of contention for years. Gov. Jan Brewer scuttled a state program that put speed-enforcement cameras on freeways and interstates in 2010 when a contract expired; efforts to ban the devices used by many cities and towns are a yearly fixture in the Legislature.

In February, San Diego followed Los Angeles and Pasadena in dropping traffic camera citations; the mayor said they bred disrespect for the law because residents believed they were meant to make money, not reduce accidents. Legislation to require communities to get state permits before installing traffic cameras stalled this year in Iowa, while a group called Stop Big Brother has been trying to head off cameras in Iowa City.

There are 12 states that ban speed cameras, and nine prohibit red-light cameras.

Yet despite the critics and complaints, camera use is growing overall. The New York state legislature this month approved installing speed cameras in New York City school zones. Communities with traffic cameras, or automated enforcement, have increased more than fivefold across the country in less than a decade, with red-light cameras in 530 municipalities and speeding cameras in 125, according to the Insurance Institute for Highway Safety.

“There is Zeitgeist in the country right now on privacy concerns, concerns about intrusion; we understand that,” said Jonathan Adkins of the Governors Highway Safety Association, which promotes safety nationally through state-level efforts. That group and the Insurance Institute for Highway Safety, an Arlington, Va.-based nonprofit organization funded by auto insurers, say studies show cameras result in a reduction of fatal crashes caused by red light-running, and in reduced speeding in pedestrian-sensitive areas such as school zones.

“What we’ve seen from the field is red light cameras and safety cameras are both important tools in the safety tool box,” Adkins said, adding that they should complement, not replace, law enforcement and should be focused on safety, not boosting budgets.

Holly Calhoun doesn’t believe they were about safety in her hardscrabble village.

“Elmwood was just doing it because they needed money,” said the manager of Elmwood Quick Mart, which offers phone cards, lottery tickets and Mexican food, and advertises its willingness to accept food stamps.

“People couldn’t afford those tickets,” Calhoun said. “They can barely afford to pay their bills. It was pretty sad.”

Settled by German farmers and laborers who came up from Appalachian Kentucky, Elmwood Place was incorporated in 1890. Like many “inner-ring” American suburbs, it hit its peak many decades ago. Older residents recall bucolic times of moonlit concerts and tire swings hanging from backyard trees.

But outsourcing of blue-collar work made life tougher for many residents, and the village’s incomes and housing values fell well below statewide averages. Housing stock deteriorated to the point where you can buy a two-bedroom fixer-upper for less than $60,000.

When William Peskin joined the police force in 1998, there were nine officers. Now the police chief is the only full-time law enforcement officer left. He said concerns grew after accidents around the elementary school; village officials looked into traffic cameras and became convinced that they were the most practical way to make the village safer.

Cameras at the village limits and in the school zone dramatically curtailed speeding once citations started going out, Peskin said. From 20,000 speeders clocked in a two-week trial period last summer, the number soon dropped to a quarter of that.

Former county prosecutor Mike Allen filed a lawsuit against the town. Among the plaintiffs: the Rev. Chau Pham, who said church attendance dropped by a third after that Sunday when so many congregants – including him – were ticketed; David Downs, owner of St. Bernard Polishing for 25 years, who said long-time customers had vowed to shop elsewhere because they had been ticketed; and a Habitat for Humanity worker who was cited four times.

“Elmwood Place is engaging in nothing more than a high-tech game of three-card monte,” Judge Robert P. Ruehlman wrote March 7 in a colorful opinion that has heartened camera foes across the country. “It is a scam that the motorists can’t win.”

The judge said the village was on pace to assess $2 million in six months (the village’s annual budget is $1.3 million). Maryland-based Optotraffic, owner and operator of the photo enforcement system in return for 40 percent of revenue, had already reaped $500,000 in about four months.

Used words such as “scheme,” `’sham,” `’stacked,” and “total disregard for due process,” Ruehlman declared the village’s photo-enforcement ordinance invalid and unenforceable.

Elmwood Place is appealing, and believes it has the law on its side.

“It’s unfortunate that the judge doesn’t see it as a safety issue,” Peskin said.

Ohio courts have upheld camera enforcement in some of the state’s biggest cities as a legitimate exercise of local government power; the Ohio Supreme Court heard arguments in 2008 on the city of Akron’s speeding cameras and approved them.

Akron began its program in 2005 after a 5-year-old child was killed. Some 3,000 citations in the first few weeks elicited public outcry, and then a lawsuit filed by attorney Warner Mendenhall after his wife Kelly was ticketed. Mendenhall said he found in his research that camera enforcement is often inconsistently carried out, the cameras aren’t always accurate, and that in many places, they are clearly used as a revenue booster.

Steve Fallis, the city’s assistant law director, said Akron uses the cameras only in school zones, and motorists have visual warnings they are in use. Any net income from the $100 citations goes into a city safety fund, not for the general budget. And there is no fee for an administrative hearing to challenge a citation. Elmwood Place charged $25

Mendenhall, whose wife’s ticket was tossed out by the city when she appealed a lack of signage at the time, isn’t convinced the legality has been settled. Maybe, he said, Elmwood Place will be the launching pad for the challenge that gets the matter to a higher authority.

“To have this patchwork quilt of laws … I really would hope that someone would take this on up to (U.S). Supreme Court,” Mendenhall said.

Recently, passions in Elmwood Place have cooled a bit. At a June council meeting, fewer than a dozen people turned out.

Taking a cigarette break out back, Mayor Stephanie Morgan talked briefly and reluctantly about the controversy, which she described as “challenging.”

She defended the cameras. “The speeding was just horrible,” Morgan said. But asked whether her constituents agree that cameras were the best solution, the 39-year-old lifelong resident repeated the question aloud and said: “You’ll have to ask them.”

Bill Wilson, 43, is running for village council in the fall election. He returned to Elmwood Place after living in southwest Florida for 20 years; there, he said, red-light cameras, speeding cameras, accident cameras and crime security cameras are commonplace.

“You get accustomed to it,” Wilson said.

In Elmwood Place, the cameras didn’t last long enough for anyone to grow accustomed to them. But apparently, they lasted longer than folks realized: On Thursday, Judge Ruehlman found that the camera company had continued to mail out citations for weeks after he ordered that it stop. He ruled Elmwood Village in contempt and said the cameras and equipment must be seized and stored until the case is resolved.

On a recent evening just before the contempt order, Holly Calhoun left her store, crossed the street and gazed up into a camera, wondering what, if anything, it was recording. Two men in a car stopped and asked what was going on. She told them she is opposed to cameras; they each gave her a thumb’s up and drove off.

Business, Calhoun said, has been slow to rebound; most people don’t seem to believe the cameras aren’t in full operation.

Elmwood Place is caught in a speed trap of its own making. On the one hand, the village faces a crippling financial blow if litigation succeeds in forcing it to pay back all the fines already collected plus legal costs; on the other, Calhoun and others think if the village wins its case and brings back the cameras, the effects on business could be catastrophic.

“I think it’s going to become a ghost town,” she said.

By: Dan Sewell