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Panelists Joe Ulrich of U.S. Bank (l) and developer Mark Irgens join Sandy Botcher of NM on the dais as Rick Barrett buttons his jacket. Photo taken Monday, January 13th, 2014 by Michael Horne.

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Panelists Joe Ulrich of U.S. Bank (l) and developer Mark Irgens join Sandy Botcher of NML on the dais as Rick Barrett buttons his jacket and Rocky Marcoux looks on approvingly from the far left. [Photograph taken Monday, January 13th, 2014 by Michael Horne.]