RFP?2026-0115 Resident Empowerment Youth Services

RFP-2026-0115 The Housing Authority of the City of Atlanta, Georgia
Resident Empowerment Youth Services 2026
The Housing Authority of the City of Atlanta, Georgia ("Atlanta Housing") seeks to enter a contract with a qualified youth
development organization to provide afterschool and school break services for children and youth. The Service Provider(s) shall
provide (1) at least 3 years of experience managing afterschool and school break programs for youth ages 5-17 years old, (2) is
an active public agency or has 501(c)(3) status, (3) ability to implement evidence based activities that support positive
outcomes for youth including enhancing academic performance, supporting safe and responsible behaviors, and promoting
physical health, (4) have the ability to serve a minimum of fifteen (15) to fifty (50+) students for afterschool and/ or school
break programs at a school or community site located within the City of Atlanta, and (5) demonstrated compliance with all
health and safety regulations including licensing, staff qualifications, CPR, staff/ student ratios and additional policies related
to maintaining a safe environment for youth and to ensure professional conduct of all staff and volunteers.
To view and download the full RFP, on June 30, 2026, visit www.atlantahousing.org and click on Doing Business with Atlanta
Housing, then Solicitations. For questions regarding the RFP, please e-mail Daijah Jones (daijah.jones@atlantahousing.org).
REQUIREMENTS - Please note that the following items are a requirement for submission on this RFP.
Respondents are encouraged to read each section carefully when considering a response to the RFP.
1. Firms / Supplier Registration
To do business with AH, Respondent must be a registered vendor prior to submitting a response. Please refer to the following
Internet URL for more information about Vendor Registration and to register on-line -
http://www.atlantahousing.org/business/vendors. If Respondent has already registered with AH, the Respondent's (Vendor)
profile must be up-to-date. For general questions on the vendor registration process ONLY, please contact Aria Ramos
(aria.ramos@atlantahousing.org) or Sherri Brown (sherri.brown@atlantahousing.org)
2. Compliance with E-Verify
In compliance with Georgia law1, effective July 1, 2013, before AH can consider Respondent's proposal for the services
requested, Respondent must register and participate in the federal work authorization program operated by the United States
Department of Homeland Security, commonly known as E-Verify, to verify employment eligibility information of newly hired
employees and must continue to participate in E-Verify during the term of the contract. To participate, you must submit to AH a
signed affidavit in the form of the affidavit either provided by Georgia Department of Audits and Accounts or approved by AH
("E-Verify Affidavit") - see Prerequisites Page in Jaggaer for the State of Georgia Contractor E-Verify Affidavit. The E-Verify
Affidavit is Respondent's certification that it has registered with, is authorized to use and uses the federal work authorization
program.
Respondent must certify that all tiers of contractors and subcontractors hired by Respondent to perform the services under the
agreement are compliant with E-Verify; that Respondent will continue to use E-Verify throughout the term of the contract; that
Respondent and all tiers of its contractors and subcontractors will only contract with other contractors and subcontractors who
present an E-Verify Affidavit, or the appropriate documentation in lieu of the E-Verify Affidavit; and that Respondent will submit
the appropriate affidavits and other documents to AH from it and all tiers of contractors and subcontractors, as required.
Failure to comply with Georgia law may result in disqualification of a Respondent's submission or withdrawal of a contract
award.
3. Insurance
The awarded contractor will be required to obtain insurance coverage before execution of a contract and must maintain the
insurance coverages during the entire contract period, at the minimum levels listed below:
A. Minimum Limits and Coverage
1. Workers' Compensation and Employer's Liability with the following minimum limits and coverage:
i. Workers' Compensation: Statutory limit in accordance with the laws of the State of Georgia
ii. Employer's Liability:
1 O.C.G.A. 13-10-90 and 13-10-91
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(a) $500,000 each accident for bodily injury by accident
(b) $500,000 each employee for bodily injury by disease
(c) $500,000 each employee for bodily injury by disease
2. Commercial General Liability with the following minimum limit coverage:
i. $2,000,000 each occurrence (combined single limit for bodily injury and property damage
ii. $2,000,000 for personal and advertising injury liability;
iii. $2,000,000 for products and completed operation;
iv. $3,000,000 general aggregate;
v. $5,000 medical payments;
vi. $1,000,000 per occurrence or claim for sexual abuse and molestation
3. Automobile Liability with the following minimum limit and coverage:
i. $1,000,000 combined single limit each accident
ii. Coverage shall be for any auto (including owned, hired, and non-owned autos)
4. Professional Liability / Errors & Omissions
i. Professional Liability / Errors & Omissions insurance in the amount of not less than $2,000,000 per
claim and in the aggregate (to include Law Enforcement activities)
5. Cyber-Liability Insurance Requirements
In addition to having favorable cyber-risk controls and processes in place, the awarded contractor shall have
Cyber Liability Insurance with coverage to protect Atlanta Housing, including both first- and third-party coverage,
with limits not less than $2,000,000 per occurrence or claim and $3,000,000 aggregate. Coverage shall be
sufficiently broad to respond to the duties and obligations as are undertaken by the awarded contractor in this
agreement and shall address network security wrongful acts; privacy wrongful acts; crisis/breach management
expenses; regulatory proceedings expenses; media/content liability expenses; digital asset expenses; business
interruption costs; and cyber extortion and reward payments. The policy shall cover, but not be limited to, claims
involving infringement of intellectual property, infringement of copyright, invasion of privacy or breach of privacy
violations, release of private or personally identifiable information, breach of data, cost of data recovery,
unauthorized access to data or systems, information theft, damage to or destruction of electronic information,
alteration of electronic information, electronic theft, telecommunications fraud, computer fraud, social
engineering fraud, cyber deception, fraudulently induced transfers, ransomware, malware, extortion, and
network security. The policy shall provide coverage for breach response costs, regulatory fines and penalties, and
credit monitoring expenses, with limits sufficient to respond to these obligations.
B. Additional Requirements:
1. As a condition precedent to entering into the resulting contract, the awarded contractor will provide to AH all
certificates of insurance, including all required amendatory endorsements and a copy of the endorsement
page of the commercial general liability policy, prior to execution of the resulting contract and at the
beginning of each option term. Each such policy will not be canceled or materially changed or altered without
the awarded contractor or the insurance provider first giving 30 days' written notice thereof to AH's SVP, Contracts
& Procurement Department, 230 John Wesley Dobbs Avenue, NE, 5th Floor, Atlanta, Georgia 30303-2421, sent by
certified mail, return receipt requested.
2. All certificates and endorsements are to be received and approved by AH before work commences. AH's approval
of the certificates and endorsements shall not be unreasonably withheld. However, failure to obtain the required
documents prior to the work beginning shall not waive the awarded contractor's obligation to provide them. All
coverage limits and endorsements required herein shall be maintained in full force.
3. The insurance carrier shall be licensed to transact business in the State of Georgia and shall carry a current A.M.
Best's rating of no less than AVII.
4. The awarded contractor agrees to notify AH of any substantial change in such insurance coverage described
herein. Substantial change includes, but is not limited to, events such as cancellation, non-renewal, reduction in
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coverage or receipt of a claim against such coverage with a potential recovery in excess of 20% of available
coverage.
5. The premium cost of all insurance purchased by the awarded contractor for protection against risks assumed by
the awarded contractor by virtue of this Agreement shall be borne by the awarded contractor and is not
reimbursable by AH.
6. An umbrella liability policy (or excess liability) may be used to provide additional commercial general liability,
automobile liability, and employers' liability limits to meet AH's minimum coverage requirements.
7. AH reserves the right, but not the obligation, to review and revise any insurance requirements, including
limits, coverages and endorsements, based upon insurance market conditions affecting the availability and
affordability of coverage. Additionally, AH reserves the right, but not the obligation, to review and reject any
certificates of insurance or insurer failing to meet the criteria stated herein.
8. Additional insured coverage is required for general commercial liability, liability, automobile liability, umbrella
liability, builder's risk, pollution liability, and cyber liability policies, to include AH: its commissioners; its officers,
directors, employees, and volunteers; and any other party as may be required.
9. The minimum insurance coverage limits outlined herein do not preclude the awarded contractor's contractual
obligations to cover losses for which it is liable in accordance with the terms of the Master Services Agreement.
The insurance obligations under this agreement shall be: (1) all the insurance coverage and/or limits carried by or
available to the awarded contractor; or (2) the minimum insurance coverage requirements or limits shown in the
agreement; whichever is greater. Any insurance proceeds in excess of or broader than the minimum required
coverage and/or minimum required limits, which are applicable to a given loss, shall be available to AH. No
representation is made that the minimum insurance requirements of this agreement are sufficient to cover the
obligations of the awarded contractor under the agreement.
10. For any claims related to the resulting contract, the awarded contractor's insurance coverage shall be primary
and non-contributory with respect to the AH Commissioners, officers, employees, agents, volunteers, and
assigns. Any insurance or self-insurance maintained by the awarded contractor, its officers, officials, employees,
agents, or volunteers shall be excess of the awarded contractor's insurance and shall not contribute with it. This
requirement shall also apply to any excess or umbrella liability policies.
11. All insurance coverage maintained or procured pursuant to the resulting contract should be endorsed to waive
subrogation against AH Commissioners, officers, agents, employees, volunteers, assigns, or shall specifically
allow awarded contractor or others providing insurance, evidence of compliance with these specifications to
waive their right of recovery prior to a loss. The awarded contractor shall waive its own right of recovery against
AH and shall require similar written express waivers and insurance clauses from each of its subcontractors.
12. Any self-insured retentions must be declared to and approved by AH. AH reserves the right to require that self-
insured retentions be eliminated, lowered, or replaced by a deductible, or require proof of ability to pay losses
and related investigations, claim administration, and defense expenses within the retention through confirmation
from the underwriter. The awarded contractor shall be solely responsible for payments of all deductibles or self-
insured retentions applicable to insurance required under the resulting contract.
13. The awarded contractor shall be responsible for ensuring that any subcontractor engaged in the performance of
the services maintain insurance coverage consistent with the requirements of this RFP, unless otherwise
approved in writing by Atlanta Housing.
Failure of the awarded contractor to fully comply with the insurance and bonding requirements of the agreement will be
considered a material breach of the resulting contract.
The awarded contractor shall provide certificates of insurance to AH prior to execution of the contract and at the beginning
of each option term.
1.0 About Atlanta Housing
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Atlanta Housing is the largest housing authority in Georgia and one of the largest in the nation. AH provides and facilitates
affordable housing resources for over 26,000 low-income households. These affordable housing resources include AH-owned
residential communities, AH-sponsored mixed-income, mixed-finance residential communities, tenant-based vouchers,
HomeFlex Program (formerly Project Based Rental Assistance Program), supportive housing arrangements, and
homeownership opportunities.
Atlanta Housing has broad corporate powers including, but not limited to, the power to acquire, manage, own, operate, develop
and revitalize affordable housing. AH's programs are funded and regulated by the U.S. Department of Housing and Urban
Development ("HUD"). Using its Moving to Work flexibility, AH has implemented a variety of innovations that benefit low-income
families and expand housing choice. AH's approach to providing quality affordable housing and human development services
is based on the belief that people can do better when given access to quality living environments and the tools they need to
become self-sufficient. To learn more about AH and its history, mission and business plan, Respondents are encouraged to visit
AH's website www.atlantahousing.org.
1.1 Background
Atlanta Housing is committed to supporting student achievement by providing youth with meaningful opportunities that
promote learning and academic success. In alignment with this commitment, Atlanta Housing's Human Development
Services Department seeks to identify, partner with, and support strong organizations capable of delivering high-quality
afterschool programming, summer and holiday camps, and life skills development initiatives.
Selected vendors will serve Atlanta Housing assisted youth who are most in need or considered at risk, ensuring access to
structured, enriching programs at no cost to participating families. These programs are designed to foster academic growth,
personal development, and a safe, supportive environment for youth engagement.
1.2 Scope of Work and Specific Requirements
Atlanta Housing seeks to enter a contract with a qualified Service Provider(s) to provide youth development organizations
serving children and youth to apply for this request for proposals. Organizations applying must demonstrate (1) at least 3
years of experience managing afterschool and school break programs for youth ages 5-17 years old, (2) is an active public
agency or has 501(c)(3) status, (3) ability to implement evidence based activities that support positive outcomes for youth
including enhancing academic performance, supporting safe and responsible behaviors, and promoting physical health, (4)
have the ability to serve a minimum of fifteen (15) to fifty (50+) students for afterschool and/ or school break programs at a
school or community site located within the City of Atlanta, and (5) demonstrated compliance with all health and safety
regulations including licensing, staff qualifications, CPR, staff/ student ratios and additional policies related to maintaining
a safe environment for youth and to ensure professional conduct of all staff and volunteers.
After school and school break vendors will be serving youth who are most in need and require access to high-quality, no-cost
programs. For the purposes of this RFP, after school and school break is defined as follows:
After school Programming is defined as structured, supervised learning and enrichment opportunities for Atlanta Housing
(AH) assisted youth during the school year for a minimum of three (3) hours per day, five (5)days a week.
Programs must provide a balanced mix of:
* Academic support, Tutoring and homework assistance
* Mentoring and social-emotional learning
* Arts, athletics and recreational enrichment activities
There is no cost-share for participating families.
School break Programming is defined as a structured, supervised learning opportunities for Atlanta Housing (AH) -assisted
youth during the Fall Break, Thanksgiving Break, Winter Break, Spring Break, and Summer Break months, operating a
minimum of eight (8) hours per day, five (5) days a week for eight (8) consecutive weeks.
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Program must provide participating youth with experiences that promote:
* Academic retention and enrichment
* Exploration, creativity, and exposure to new learning environments
* Experiences that build confidence, promote leadership and foster positive peer relationships
There is no cost-share for participating families.
(Optional: School Break Camp):
In addition to afterschool and school breaks, organizations may propose programming during school breaks. If applicable,
proposals must include program dates, hours of operation, curriculum focus, staffing plan, cost and activities, and
confirmation that services will be provided at no cost to participating families.
Performance Expectations
Atlanta Housing expects funded providers to operate with a results-oriented approach, demonstrating continuous
improvement, fiscal integrity, and alignment with organizational priorities related to youth development, family stability, and
long-term resident success.
Providers Responsibilities:
Selected providers will be required to:
1. Maintain sufficient staff qualified to perform activities aligned to the scope of work who have cleared background
checks to safely and effectively operate programs, in compliance with all required staff to student ratios.
2. Deliver a structured curriculum that integrates academic support, enrichment, wellness and youth development
aligned with stated outcomes.
3. Implement clear guidelines for responsible and appropriate use of technology as it relates to programming
provided.
4. Provide healthy and nutritious snacks and/or meals in accordance with applicable nutritional standards.
5. Ensure that all recruitment, enrollment and family engagement materials are inclusive to the comprehension
needs of participating families
6. Coordinate with Atlanta Housing and its partners to connect and engage youth and families to additional
supportive services that are beneficial to meeting the needs of the participants.
7. Collect data and deliver to Atlanta Housing as requested including referral outcomes, attendance, non-
participation, and evaluation activities related to intended outcomes.
8. Implement and maintain an authorized pickup agreement.
9. Participate in Atlanta Housing Service Provider meetings, trainings and monitoring activities.
10. Provide reasonable accommodations for youth with disabilities.
Advanced Outcomes Framework:
Programs funded under this RFP are expected to demonstrate progress across the following outcome domains:
1. Academic and Learning Outcomes
Youth demonstrate measurable improvement in:
* Homework completion and class participation
* Study habits, goal setting and academic persistence
* School engagement and positive attitudes toward learning
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2. Social, Emotional and Behavioral Development
Youth demonstrate growth in:
* Self-regulation, cooperation, and conflict resolution
* Confidence, communication and peer relationships
* Positive decision-making and reduced engagement in risky behaviors
3. Health and Wellness Outcomes
Youth demonstrate increased:
* Physical activity and healthy lifestyle habits
* Awareness of nutrition, mental health, and emotional well-being
* Social-emotional resilience and stress management skills
4. Engagement and Retention
Programs demonstrate:
* Consistent youth attendance and participation
* Meaningful family engagement
* High program retention across program cycles
Reporting and Performance Measurement Requirements
To support accountability and continuous improvement, providers will be required to meet the following reporting standards:
1. Attendance and Participation Reporting
* Daily attendance logs for each participant
* Monthly summaries of enrollment, attendance rates, and attrition
* Documentation of outreach and follow-up for chronic absenteeism
2. Outcome Reporting
* Quarterly outcome reports aligned to the targeted outcomes outlined above
* Pre- and post-assessments or other validated tools to measure youth progress
* Narrative summaries highlighting successes, challenges, and corrective actions
3. Participant Eligibility Verification
* Documentation that supports confirming Atlanta Housing-assisted status for all enrolled youth
* Student verification and participation approval processes must be completed prior to invoicing
4. Invoice and Service Validation
* Invoices must align with verified attendance and approved fee schedules
* Supporting documentation must be submitted with each invoice
* Providers must participate in pre-invoice verification and reconciliation as required
5. Program Monitoring and Compliance
* Participation in site visits, desk reviews, and audits conducted by Atlanta Housing
* Timely response to monitoring findings and implementation of corrective actions
1.3 Pre-Proposal Conference
Atlanta Housing will conduct a virtual Pre-Proposal Conference via Zoom on Thursday, July 16, 2026 at 12:00 P.M. While this
meeting is not mandatory, AH strongly encourages interested parties to attend. Questions pertaining to the RFP and technical
specifications will be discussed during the meeting; however, these responses are considered non-authoritative. Written
questions received by AH will be addressed in writing through the issuance of an addendum. Please review paragraph 2.0
Schedule of Events for all dates and times relating to this RFP.
1.4 Contract Term (Initial and Option Years)
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The initial term of the contract shall be for a term not to exceed one (1) year. AH may renew the contract for four (4) one-year
terms at the sole discretion of AH. Renewal will be accomplished through the issuance of a contract extension letter. In the
event that the resulting contract from the award of this RFP terminates or is likely to terminate prior to the award of a new
contract for the identified products and services, AH may, with the written consent of the awarded contractor, extend the
contract for such period of time as may be necessary to permit AH's continued supply of the identified products and services.
The resulting contract may be amended in writing from time to time by mutual consent of the parties. The resulting award of the
contract does not guarantee a minimum volume of work or commitment of funds.
2.0 Schedule of Events
RFP Released Tuesday, June 30, 2026
Thursday, July 16, 2026 at 12:00 P.M., ET
Suppliers are required to register in advance for this
meeting:
Pre-Proposal Conference https://atlantahousing.zoom.us/meeting/register
Date and Time (*Virtual Zoom Meeting Details) /Zy05E9GDRpqIqVv7T1b1Ww
After registering, you will receive a confirmation email containing
information about joining the meeting.
Deadline for Questions and/or Comments Monday, July 20, 2026, by 2:00 P.M., ET
Proposal Due Date and Time Wednesday, July 30, 2026, by 2:00 P.M. ET
2.1 Communications
In order to maintain a fair and impartial competitive process, AH and any outside consultants assisting AH with this solicitation,
shall avoid private communication concerning this procurement with prospective Respondents during the entire procurement
process. From the issue date of this RFP until the final award is announced, Respondents are not allowed to communicate
about this RFP for any reason with any AH staff and/or outside consultants assisting AH with this solicitation except:
* through the RFP Point of Contact named below;
* as otherwise specified in this RFP; and / or
* as provided by existing work agreement(s) (if any)
Prohibited communication includes all contact, including but not limited to, telephonic communications, emails, faxes, letters,
or personal meetings, such as lunch, entertainment, or otherwise. AH reserves the right to reject the quote of any Respondent
violating this provision.
A. Questions must be submitted via the Q&A Board on AH's Business Management Portal. AH will receive requests for
additional information and/or clarification relative to this solicitation between Tuesday, June 30, 2026, through
Thursday, July 30 2026, 2:00 P.M. ET.
B. Responses to these questions will be addressed in writing via the AH's electronic procurement system. AH will not
respond to requests for information after the date stated above. It is the responsibility of the Respondent to monitor
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AH's website for any addenda issued. All Respondents are encouraged to frequently check AH's website/portal for
additional information.
All requests for information or clarification pertaining to this solicitation must be addressed in writing.
RFP Point of Contact
Daijah Jones, Purchasing Analyst
The Housing Authority of the City of Atlanta, Georgia
Contracts & Procurement Department
230 John Wesley Dobbs Avenue, NE 5th Floor
Atlanta, Georgia 30303-2421
Daijah.Jones@atlantahousing.org
3.0 Clean Hands Policy
Procurement actions shall be conducted only with responsible contractors who have the technical and financial competence
to perform, fiscal responsibility in business dealings, and a satisfactory record of integrity. Before awarding a contract, AH shall
review the proposed contractor's ability to perform the contract successfully, considering factors such as the contractor's
integrity, compliance with public policy, record of past performance on AH and other jobs (including contacting previous clients
of the contractor), and financial and technical resources. AH shall not award a new contract or conduct new business with a
bidding contractor, vendor or applicant who (i) has past due financial obligations or indebtedness to AH pursuant to a contract
or other transaction and has not fulfilled the obligation prior to submission of a bid, proposal or application for a contract, (ii)
has an existing claim, demand, litigation action, investigation, hearing, or other legal, administrative, arbitral or similar
proceeding or dispute against AH, whether civil or criminal (including any appeal or review of any of the foregoing) or (iii) in AH's
reasonable discretion, has taken action that may give rise to or threatened to assert a claim, demand, litigation action,
investigation, hearing, or other legal, administrative, arbitral or similar proceeding or dispute against AH, whether civil or
criminal (including any appeal or review of any of the foregoing) or other dispute against AH. Atlanta Housing's President and
Chief Executive Officer may waive the requirements of this paragraph for good cause shown as determined by the President
and Chief Executive Officer and if it is otherwise in AH's best interests.
3.1 Submittals
Proposals shall be submitted via AH electronic sourcing platform - Jaggaer. AH will not accept any proposal in part or in whole
through any other means unless specifically stated in this solicitation or any amendments or supplements thereto. The sections
are as follows:
i. Letter of Interest
ii. Response to Evaluation Questions A through D
3.2 Evaluation Process, Evaluation Factors (Questions) and Award
The proposal evaluating process is designed to award the contract, not necessarily to the Respondent(s) of least cost, but rather
to the Respondent(s) whose proposal represents the best overall value as determined by an evaluation of the best technical
score (a combination of qualifications and experience) and price/costs. Evaluations are based upon the evaluation factors and
weights specifically established within this RFP.
Respondent(s) must provide all information outlined in the Evaluation Factors (as defined below) for the Respondent's proposal
to be considered responsive. The quality of answers rather than length of responses to this RFP is important.
After evaluations, the Evaluation Committee will determine a competitive range. The competitive range includes the proposals
that have a reasonable chance of being selected for award considering all aspects of the RFP. AH will negotiate with the
Respondent(s) who fall within the competitive range. If required, only those Respondents within the competitive range may be
selected for an oral presentation and/or interview.
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The presentation/interview process will be arranged to assist the evaluation committee in differentiating those Respondents
within the competitive range. Points may be added or deducted from the Respondent's preliminary score as deemed necessary
by the evaluation committee. AH reserves the right to negotiate the final scope of services, price, schedule and any and all
aspects of this solicitation with all Respondents in the competitive range.
Once negotiations are complete, AH shall establish a date and time for the submission of best and final offers. If a Respondent
does not submit a notice of withdrawal of its offer, or a best and final offer, the Respondent's immediate previous offer shall be
construed as its best and final offer. The best and final offers shall be evaluated in essentially the same manner as the initial
offers unless otherwise specified. The contract shall be awarded to the responsible Respondent whose qualifications, price
and other factors considered are the most advantageous to AH.
The maximum points that shall be awarded for each of the Evaluation Factors are detailed and described below.
Evaluation Factor Submitted Yes / No
Items Points
(Question)
A Executive Summary Required Evaluated not weighted
B Methodology/ Technical Approach Required 40 Points
C Program Design Required 40 Points
D Fee Proposal Required 20 Points
Maximum Point Value 100 Points
The establishment, application and interpretation of the above Evaluation Factors (Questions) shall be solely within the
discretion of AH. AH reserves the right to determine the suitability of proposals on the basis of all of these factors.
EVALUATION FACTORS (QUESTIONS) DESCRIPTIONS
The maximum points that shall be awarded for each of the Evaluation Factors are detailed and described below.
Evaluation Question A: Executive Summary (Evaluated not weighted)
The Respondent must provide an Executive Summary of two (2) pages or less, giving a brief summation of the agency, and
associated experience in delivering after-school and school break programs for youth. Please include:
* Organization's Legal Name
* Street Address
* Mailing Address
* Website Address
* Business Hours
* Executive Officer
* Board of Directors
* Type of Organization
Experience: Date of Incorporation, Number of Consecutive years providing after-school and summer
camp programs.
Evaluation Question B: Methodology/ Technical Approach (40 Points)
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