Josh Kahoe: My name is Josh Kahoe. I'm with the Oklahoma Employer Services Center. I'm one of the marketing and outreach coordinators, along with Danny Collins and Sue Ann Floyd, who was wandering around the room introducing herself to everybody. I would like to welcome all of you to the "Business and Child Support in the 21st Century Employer Seminar." It has a lot to do with the electronic income withholding order and EFT and web tech. Blugh. Sorry. And web pay, as well. What I would like to do now is just introduce all of our speakers for the day. First off, we will have Barb Perkins, who will be talking about the new IWO and the IWO overview. We will have Bill Stewart and Toby Hallows. Bill Stewart coming from the National Child Support office and Toby Hallows coming from state office here in Oklahoma. Sorry, I forgot to mention Barb Perkins as from state office, as well. Both from the Center for Coordinated Programs. And then, finally, to top it off, we have EFT and web pay with Devin McGee, who is the center director for the Oklahoma Employer Services Center. I would like to mention, as well, that we will have a Q A section at the very end of the session, so hold your questions till the end. And I would also like to mention we passed out an evaluation form to go along with this, so if you would please fill that out after we are done for this afternoon. And without further ado, I'd like to welcome Barb Perkins. Barb Perkins: Have you ever thought that being in being in business would be great if you didn't have all of the paperwork. You have so much documentation that it has to be handled on each employee and much of it really seems to be complicated. Well, this afternoon we are working towards taking some of the mystery out of the paperwork that is dealing with child support. Now, I'll be talking about the basic income withholding process. There are four steps that you would go through when you are interacting with the Oklahoma Child Support Services. Now, first, you may receive a questionnaire that asks some basic questions like, does this person work for you? What you do with that is just complete the questionnaire, send it back to the Oklahoma Employer Services Center. Address is on the form. And one of the things that you may notice is that if this form has the correct social security number, but has the incorrect name for your employee, then please contact us. Let us know about that because we want to make sure that we update our records and correct any error so that you do not receive any future paperwork in error on that particular person. Also, please check your files to make sure that you've go the correct Social Security number for that individual. Now, the next document that you would probably receive from Oklahoma Child Support Services is the income withholding order. The first thing that you do with that is document the date that you received it. And this is very important because you have a limited amount of time to start withholding support. You start withholding from the very next pay period on that particular employee, so you want to document when you received it. Second, is that if this is a case that goes across state lines, say you're receiving an income withholding order from another state, you'll want to give a copy of that to your employee. Many other states do not provide copies to -- of the employees. Now, Oklahoma does. We do send out a copy to the non-custodial parent, but many other states do not, so if it's coming from another state, please go ahead and give them a copy. Determine if this document appears to be a legal and valid document. Now, does that mean that you need to figure out whether the court was correct in issuing that order? No. If the employee is wanting to dispute that, that's their issue. They need to take action. You don't need to be involved on that, however, there are different states and even private attorneys who will send out income withholding orders, and so the formatting of the document itself could have some variation. The size of the font, where the shading blocks are, just how the document looks could be different. What's important is look at the wording. So, If it appears to be a valid document, then, yes, you do need to follow the terms. And that's our last step. Follow the terms of the notice. Has a set of instructions of what you need to do. Now, remember, child support is not a garnishment. It is paid before all other garnishments, except for IRS, and IRS tax levy, if it's received before the child support income withholding order, it will take precedence. Another difference between income withholding for child support and other garnishments is that a higher percentage can be withheld from the employee's paycheck than can be done on a regular garnishment. One of the questions that we had in our morning session had to do with, well, what is the correct percentage amount. There is an employer handbook that is available that gives you the step-by-step instructions on how to calculate that, and it varies based upon if the employee is behind in their child support and whether they are supporting more than one family. So the lowest percentage amount would be 50% as the maximum that could be withheld and then the highest would be 65%. And that handbook, it does have the instructions on how to calculate that. Make sure that you send in the payment within seven days from when you paid the employee. The payment needs to be identified so that we have it going to the right person. We need their name, the child support case number, their Social Security number and the amount that you're withholding, and, yes, you can combine payments on the check. All payments need to be sent to the Oklahoma Centralized Support Registry, no matter if they came from Oklahoma Child Support Services or a private attorney. Now, that covers the basis -- the basics of income withholding. Let's look at some of the commonly asked questions that employers have. What do you do if your employee terminated before you got the income withholding order? Well, you notify Oklahoma Child Support Services within ten days. And an easy way to do that is that on the paper form that you receive there is a page that has a response, and you send it back to the Oklahoma Employer Services Center. We need the person's address, the last known address that you had for them. And if you haven't, where they've gone to, you know, who are they working for now. Now, we understand that a lot of times an employee is not going to tell you where their working at this point in time. Next question. You get an income withholding order, the Social Security number matches but the name does not. You contact the issuing agency for that income withholding order and that information should be listed on the very front page of the income withholding order. It tells you who sent it to you and there will be contact information in the document itself. Now, in Oklahoma, you would be calling the Oklahoma Employer Services Center. In the Oklahoma City area, that number is area code 405, 522-5550, and then toll free that's 1-866-553-2368. One thing that's very important, the toll free number is an 866 number. It's not a 1-800 number. Can you combine payments? Say you've got more than one employee that has an income withholding order for child support. Yes, you can. Make sure that you identify the payment with the individual's name, all the individual's names. The case numbers, their Social Security numbers, and the amount that is related to each employee. O.K., this one's a little bit more involved. O.K., you've got an income withholding order for child support and you receive a second one on the same employee. What do you do? Well, the first thing you need to do is look at, is the second notice for the same employee and the same family. It's possible for that employee to have more than one child support case. So, if it's for a different family, then, yes, you're going to withhold on both notices. If it's for the same family, the next thing you need to look at is, is one of them for current child support and the other one for past due child support or arrears, or is it for medical support only. Well, in that case, they're looking for different amounts, and so you would enforce both the first and the second notices. It is possible for -- say a family originally lived in Kansas, and then they moved to Oklahoma. Kansas can send an income withholding order for money that is owed to them, you know, the past due support, and then Oklahoma can send a different notice for the current child support. And, yes, both of them would be withheld at the same time. Now, if you end up in the situation where you have two different states sending you an income withholding order for the same employee, the same family and they're both for current child support, you're going to honor the first notice and contact the agency that sent you the second notice to let them know. You also want to contact the agency that sent you the first notice to let them know the existence of the second notice. The states are going to have to figure out who has the current case at the time, and you'll end up getting contacted. They'll let you know, terminate one and withhold on the other one. But, yes, you would continue to honor the first one until you're otherwise notified. Now, what should you do if an employee comes to you and says, "I want to make voluntary payments." Can they do that? Well, yes, they can, but what you would want to do is direct your employee to contact Oklahoma Department of Human Services, and there's a web site that they can look at. They can set up the web pay and send in payments voluntarily, directly to child support services. However, you cannot include that in on an income withholding from your payroll. You follow an income withholding order that's, you know, been issued by a court. And so, that actually makes it much easier for you because you're working with legal information as opposed to word of mouth. Next situation. O.K., you're going to incur a cost. Can you charge a fee for this? Yes. You can charge $5 per pay period for a maximum of $10 per month for the cost -- to cover your administrative cost for processing these withholdings. Now, this fee comes from the employee's paycheck as opposed to being deducted from the child support. O.K., this never happens. The employee disputes the notice. They're telling you, "Oh. This court order is just not right. You shouldn't follow it." Well, what should you do? The employee needs to contact the issuing agency. It's actually their issue. It's their problem to have resolved. You need to follow the income withholding order. That's the legal notice that you're working with. And most employers are very happy to know that, no, they do not have to become involved with their employee's dispute, their legal dispute. So, once you have the notice, you follow the notice and you do so until you're otherwise notified by the issuing agency. O.K., you have the custodian who calls you up and says, "Have you sent that payment yet?" What do you do? This person keeps calling you. Well, they need to call child support, Oklahoma Child Support Services. We actually have a call center that is open every day that the State of Oklahoma is open, eight to five. In Oklahoma City, it's (405) 522-2273. Tulsa, it's (918) 295-3500 and the toll free number is 1-800-522-2922. And, so, if the custodian has a question, they need to call there. No, you do not need to answer their questions. I -- they're supposed to contact child support. What do you do if the employee is activated in the military. And we've had a lot of National Guard members who have been deployed. You notify the issuing agency and in Oklahoma, here are the contact numbers. Now, what do you do with an income withholding order? You're going to retain that. You're going to keep that on file because when your employee comes back you're going to begin withholding again. And that's the same is if someone had terminated and you have rehired them back. So you'll begin withholding the support according to the notice, and you retain it even after they leave. Now, one of the questions that we had this morning was concerning -- there was a gentleman who talked about the -- they had an employee who left and he has come back as an independent contractor. Is that person still subject to income withholding? Yes. You're paying them income. It doesn't matter whether they're an employee or an independent contractor, the income withholding order still applies. Now, you'll want to notify us that they're an independent contractor, because there are some other documentation that we would refrain from sending to you, but the income withholding order does apply. O.K., and that wraps up the basics of income withholding. In your materials packet you have an example of the new income withholding order form that's been issued by the federal Office of Child Support Enforcement. There are some states that have already implemented this form. Oklahoma is in the process of doing so, and so, you'll start to see this particular form and how it looks from Oklahoma soon. Now, again, it's very important to look at the wording and not so much at the format, but we wanted to give you an example so you could see what the wording is supposed to be like. Bill Stuart: I'm going to be going over a project that the federal Office of Child Support has been working on since about 2004 called the "Electronic Income Withholding Order Project." And before I start I do want to thank Toby, Barbara, everybody in Oklahoma for inviting us out from the federal office. This is a great opportunity to get this word out and to discuss this project with employers who deal with the income withholding order form that you get hundreds or thousands of, depending on the size of your company, a year. And our little logo, here, we have on the front is the "Portal Express," for those of you -- there's the Christmas time story of the little boy who hears the bell and goes to the North Pole and sees Santa Clause, and it's believe -- and, you know, getting on the train and that's what we have employers and states doing, getting on the project. So, anyway. Moving on. We have several states and employers up on this project right now, and basically what this is -- Barbara said in the beginning, you know, wouldn't it be nice if you could, you know, eliminate a lot of the paper work. That's what this project is aimed at. This is going to enable and does enable right now with the states and employers that are up, employer -- states to send the income withholding order electronically to employers and for employers to transmit electronically information about what happened to each income withholding order. In other words, did you accept it and were you able to process it, or you got it and said, "I've never even heard of this individual. Who is he?" Or she. And you can send that back electronically, and that's a nice thing to do because it's going to -- it makes the communication much more simple, much more straightforward. And what is e-IWO? e-IWO is the short for "Electronic Income Withholding Order" project. I'll say it a lot, during this presentation, but that's what it stands for. And, basically, it allows the states, tribes and territories to send this form rather than paper electronically to employers. What they -- what the states do basically is -- every state has a state child support system and every night, they have a nightly accounting run that goes through, that identifies all of the NCPs, all the non-custodial parents, that have -- that should have an income withholding order issued, and they have employer or income payer sources listed in their records. If they have that record notated that this is an employer, they have a table of the employers that get these electronically. We have a record layout, which I'll get to in a little bit, which they now, rather than send a piece of paper -- what they do is, they generate an electronic file. They put it in a record layout that we can -- that we've recommended and that the work group has approved and we get it out to the employers, and the employers can then -- they know about the record layout, they know exactly where the fields are and they can process that. And how did they -- how did the states know which employers are on this? The employers tell us. And they tell us their FEINs. And that is the key. Every employer has to tell us those FEINs, in their company or their organization, that they want to get electronically. We have -- and you'll see -- I'll go through a couple of examples, but it's very important that we get the FEIN because we cannot rely on the name of companies. There's too many variations, a period here, a space there, and the name is different for a computer. So, the FEIN is really the key. We need to know that, and we have the -- an electronic acknowledgement, as I said earlier, that allows employers to tell states what happened with every order that came in. And, hopefully, that will result in, in turn, the states not having to send you those reminders after they send you the income withholding order saying, "Hey, I sent this to you. Where's my money?" And you can send it back to them and the -- you know, electronically and say, "Hey, he's not here. We've never heard of him. So don't -- you know, don't send more reminders. Don't send more paper, because you're not going to get any checks." And, anything that can be done on paper, anything the states can do, original, amended, termination, lump sums, whatever, on the paper form, they can do electronically. So, it's not like they can only do the originals and then they've got to do everything else on paper. The e-IWO process handles all the particular functions that can be done on paper. And just to give you a quick background, how we got started to where we are today, several states and employers -- this is back in 2003, 2004 -- several states and employers had started to implement some kind of electronic process to get the income withholding orders to employers. Colorado had put up an employer web site. Texas has an employer web site, where they will e-mail the employer and tell them, "You have income withholding orders. Come and get them." The employer will then go to the Texas web site, download them. I ran the child support system in New York for about 17 years, and I got a call one day from the person who ran the municipal housing authority in New York City, asking me if I was the individual who was responsible for sending this piece of paper to them hundreds of times a week. The same piece of paper, just a different name, different $10 amount to withhold. And I said, "Oh, yeah, I am, because I'm running the system." And he said, "Well, can't we -- can't you get us just a file. You know, an electronic file, rather than send me paper all the time." And we did. Just a short file of the NCP's name, the amount to withhold, the SSN, so on. The case number. And they -- we were able to do it. We did it weekly and cut a round reel, and got it from one location in Manhattan to the other. So, that was back in 2003, 2004. In 2004 this form was up for revision. The Office of Management and Budget at the federal level has a shelf life on this form of three years. So every three years it's go to be renewed and if -- it needs to be revised. There are changes in laws, of statutes, or if the states and employers see a big need for a change, they do it. So, the form was going to be redone at that time, in 2004. So, the combination of the states starting to do some of their own electronic transmission of the income withholding order to employers, plus the fact the form is going to be redone, the Feds looked at this and said this is a perfect opportunity to see if we can't get the states and employers together to make this whole process electronic, so that everybody has -- in other words, we don't want 54 states developing the same program, you know, to do all this and establishing the communication. So, we had a meeting with the federal government, federal OCSE. We had about 11 employers and 18 states, tribes and territories in Chicago back in August of 2004, and at that meeting we laid out a work flow and we went through every single element that's on this income withholding order form and mapped it to a flat file record layout, and then also to an XML Schema, just a different way to present the data. That's all. So, we took a look at this, we went through with the employers and the states and formed a couple of work groups, and said, "Let's work through this and let's do the process." O.K., the states generate this instead of generating paper, because every state today, as I said, has a statewide system, and that statewide system does a terrific job of generating paper, as I'm sure all of you are aware. And every night they generate a lot of paper income withholding orders. And, you know, we can -- you know, we went through this and said, "Let's get the process where it can be electronic." So we had the record layouts and we said, if they can generate these and put these in a file and get them to the employers, can the employers get the acknowledgements back. At the end of the meeting, the federal government said, "Well, what do you think?" And we -- everybody in the room -- everybody in the room jumped up and said, "We definitely do this." This is a time saver. It's a money saver for everybody. And so we said, then, O.K, who wants to do it? Who wants to actually have -- who has got the resources to program, because the states would have to now program to put the variable elements in the layout in the order we had them, and for the employers to be able to program to receive that and to process it so they could update their payroll system with the withholding amounts against a correct individual. So we wanted to test the layouts. We wanted to test the process, the work flow and the rest of it, and we had several employers and states that agreed to do this. Now the third bullet on there, you'll see on the next slide the states and employers that participated in the pilot, and you'll see a phrase called "OCSE Net," and that stands for basically without the federal in front of it, Office of Child Support Enforcement Network. The federal government established a closed -- and has maintained and still to do this day maintains a closed frame relay network which connects -- which ever state is connected to every other state through a router. And Barb mentioned interstate cases, with getting -- you know, getting copies of the income withholding orders to the non-custodial parents. If a parent moves from one state to another, they can send a transaction using that network to the other state. So we figured we'd use that network to get these transactions to other agencies, whatever. The problem is that that's a closed frame relay. It was not open to the Internet. The private employers could not use it. So you'll see on here, "DFAS," and that's the Defense Finance and Accounting Service, and since they were federal government, we just basically put them as another node on that network, just like another state. It was easy to get the files to them. It was not so easy to get those files to private employers. We now have a portal that's been up since March of this year where now states and employers only have to deal with one entity. So, the pilot implementation. Here are the states and employers who decided, yep, let's go ahead and we've got he resources, and let's see if this works and how it works. We had Indiana with Meijer Corporation. I don't know if anybody's familiar with Meijer, but they're in the Midwest, located in Michigan. And Indiana also went up with DFAS, and you'll notice over here that OCSE Network. That's how they got the files from Indiana up to DFAS. Colorado and Texas went with Labor Ready. They used the XML Schema version and got the files up there separately. They created their own communication. They just FTPed the files up there to them, up to Labor Ready. And Labor Ready's a firm up in the state of Washington that does temporary employment, so they provide companies with temporary assistants and so on. In Oklahoma -- here we are -- Oregon, North Carolina and Virginia also decided to pilot this all with DFAS. And, again, the reason DFAS is so popular here and mentioned so many times, it was easy to get the files from the states to DFAS because we already had the network in place. And to give you a time frame reference, Indiana and Meijer, and Indiana and DFAS -- remember I said that meeting was in August of 2004 -- they went up and had their first production file transfer in May of 2005. And that's quick. We actually -- I mean, the states and employers really, really wanted to do this and fast-tracked it and we had a lot of meetings to go over the record layouts and the transmission and -- you know, whether everything would work. And they got it done. And Indiana and Meijer, and Indiana and DFAS also, that implementation occurred on exactly the same day because once the states developed this, and the same goes for employers -- once they develop, implementing with other employers is just as simple as adding the FEINs for the other employers, because the record layout that you get from this process -- are always, always the same. They don't look different. I know this form looks different from different states. If you get them from different states, and I'm sure some of you have -- Oklahoma's doesn't look like Texas's, doesn't look like Missouri's, doesn't look like Nebraska's. The record layout, 100% of the time the SSN's always going to be in that same place, the name is always going to be in the same place and so on. So, they did that and they did that implementation on the same day without a hitch. And I'll go into a little bit later how easy it is for states to implement with other employers, but it's a very easy, straightforward process. And for employers to take other states, because once you've taken the record layout and applied it, you can take it from any state. It's just the state that's different and the variable data. Now, the work group members. Just to give you a flavor of who is on this -- and we have -- I have over now 70 fairly large employers that are on the e-IWO work group, and we have a call at least once a month to go over all of the upcoming events with the project, bring people up to date on the implementation status for all of the states and employers. We got ADP on here, the large payroll processor out in San Dimas, California. They have just short of 200 very, very large employers -- FedEx, JC Penny, Petco are a couple of examples of them -- that they do income withholding order for. They will be up the first quarter of this year. We'll finish testing with them. We've been testing with them for quite a while, and they're done and we're going to be able to put them up the first quarter of this year. American Airlines; Ceridian, another large payroll processor; the auto makers, Chrysler, Ford, General Motors, but we have not heard recently from them, so -- and for probably obvious reasons, but they may be picking it back up later. DFAS is on the portal. That's the Defense Finance and Accounting Service. They are up and running and using the portal. Ruby Tuesday is our first real private employer that is using the portal. And they started probably about two months ago, now. And they're getting them from a bunch of states that are up on the IWO. They get them and the states just send them the income withholding orders and they process them electronically. Schwab -- Schwab investment. They're very interested. They're writing -- they're designing their programs now. Social Security is working on it, looking at, you know, the design of it. The Postal Service is up and running on the portal. They were the first employer that took advantage of the portal. So they have -- they will take and want income withholding orders from any state that comes up. Wakefern, which is ShopRite Supermarkets, they're pretty much on the East Coast. Waste Management -- Waste Management has 340-some FEINs, 340 separate companies they own. They want to do it with all of them because they do the payroll centrally in Houston, Texas. So they think this is tailor-made for them. They can get them all in one place -- and Yum Brands -- which they do a lot of package processing food for Kentucky Fried Chicken and Pizza Hut and those places. They're also designing and developing. "And now it's a portal" is the title of this slide. As I said in the beginning, when we started and we had that first pilot, we knew coming out of we needed a way for states and employers to easily communicate with each other. Setting up separate lines, setting up separate communications is not going to work. When Indiana and Meijer, that first example on the pilot that I showed you, went up, Indiana had to learn and implement PGP, which is pretty good -- it stands for "pretty good privacy." It's encryption. It's the -- basically the standard encryption used by a lot of banks and a lot of other industries. They also had to set up their own secure transmission between themselves and Meijer. When they got through, they said this is worth it, however, they can only do this for a few more employers. They said because this is just every -- if we have to do this every time, it's too much work. What we needed was a portal so that once they developed it they could implement it easily with any other employer. That's what this employer -- that's what this portal does for them. It allows them -- there's only the one place that employers have to deal with and contact. Same with the states. And we -- the portal also has the ability to convert and forward file formats. I mentioned that we have this form. We converted this into a flat file and into an XML Schema. Let's say that Oklahoma -- which they are -- is using a flat file and let's say that company XYZ out there wants to use the XML Schema. If they want to use the XML Schema, Oklahoma generates the flat file, we pick it up from them, we convert it to the XML Schema because we see XYZ wants the XML Schema, and we forward it to them. So they're happy. They think it came in XML Schema. They're -- when they generate the acknowledgement, they generate it in their XML Schema, we pick it back up, bring it back through the portal, send it back to the state in a flat file, because we have a table that says Oklahoma wants everything flat file. The bottom line here is, or the point is, the portal's doing a lot of this work, a lot of the conversions, and I'll get to more of it in just a second, but they'll flip the -- we'll convert the format based on the employer and the state preference. We also offer PDF along with the data record, so if you want, you can get the data file and a PDF copy of it so you can index and file it. And we also -- the portal handles payroll processors. I mentioned ADP and Ceridian. And DFAS is also a payroll processor because they do the payroll for the Army, the Navy and several -- you know, the branches of the service, but in addition, they've picked up several federal agencies because federal government is combining the payroll functions into several just one or two agencies eventually. DFAS, they're right down -- right now they're down to four and they'll be down eventually to two and DFAS will be one of them, so they've picked up Health and Human Services, Department of Energy. So any state that goes up with the IWO automatically gets those other ones, because the payroll processor is doing the actual deduction. They will get the income withholding order from the employer. For example, with ADP, if -- let's just say JC Penny. When the state sends that income withholding order to JC Penny, the first thing JC Penny does is forward it on to ADP because they're paying ADP to do the child support withholding part. So, the portal can keep that table. ADP tells us, "Oh, we're doing this for JC Penny." We see a record come from Oklahoma for JC Penny, we send it right to ADP. So it gets implemented quickly and the money gets to the families faster. And the transmissions are secure. We use secure file transfer protocol, which is the SFTP, and the files encrypted with PGP, because we've got names, SSNs. We've got a lot of personal identification on this file that cannot get out. So it is encrypted and the file transmission is secure from the beginning to the very end. When we drop this at the employer, it stays encrypted so that no one can get at it. Now, this is -- this is a schematic. This is a high-level diagram of the -- of how the portal works, and if you're not technical, take this back to the IT people and say, "Jeez, this sounds like a great idea. Can we do this?" You know, just take a look and say here's what it looks like. And I'll run through this quickly with you. On the top we have the two little computer towers that represent the state child support system and what we do every day, at least once a day, we pull the files that contain the income withholding orders from the states. Remember I said there's a -- every state has a child support system and in that system they generate income withholding orders and they will create a file based on the FEIN of the employers that go ahead -- you know, and they put that out there for us to pick up. So that's step number one. And then, you see that OCSC Net? That's that closed frame relay network I was talking about before, and we go and we pick up those files at least once a day from the states. Step two here is we un-batch them. So, for example, Oklahoma is up with, right now, DFAS, the Postal Service, and Ruby Tuesday. So they will have a file every day possibly of income withholding orders for all three. They will put each one in its own batch. They will batch by employer. The portal will take all of the batches in for all of the states for each day and un-batch them and get all of Ruby Tuesday's together and send them just to Ruby Tuesday, all of the DFAS and send them to DFAS, and all the Postal Service and send them to the Postal Service. The state does not have to worry about it. Just send us the income withholding orders, tell us who they're for, we'll sort them out, get them batched to the correct employer. We also validate them. Step number three, there, is the e-IWOs are validated, so when the employers receive them, you know that all of the required fields have been filled in, they're correct with the syntax, all of the alphas that should be there are there, and so on. And note step four is where I talked about just before, about the file format being transformed. If a state or an employer wants XML or flat file, we know that. So we can convert it for the state and/or the employer. And most everybody, by the way, has picked flat file. So we have one coming up with XML, but everybody so far is with flat file. And then we batch them by employer and send them on their way. We go through. And this circle in here, when we go through, that is part -- when we have this OCSC network up at the top, what we've done now to create this so that the states and employers only have one entity they have to deal with, we installed an Internet connection in that OCSC network and put a buffer server in there to maintain the integrity of the closed frame relay, so now we can get files out to private employers. Just like with that pilot in the beginning with DFAS, now it's just as easy to get files out to employers as it was to get the files to DFAS in the beginning. And that's in place, in production, working with three employers in 15 states as I stand here. Then, we go down through here, it goes through here, the file gets validated and gets passed on to the employer, and the employer, what they do is they give us a server and they give us a URL where they want the files dropped and we put them there. We always, always push the files to the employer. And we -- you know, these two little boxes in the bottom are the employer server and when we're there, when we drop off the files, we can also pick up those acknowledgements that I was talking about earlier. Where, now, when you get through, after you've gotten the income withholding orders from the state, you can let the state know, "O.K., well, I know -- I know I implemented the ones for John, Billy and Joanie, but the one for Frank, can't do anything because he's not here. He's either not here or he was never here. And we always pick those up. So we drop -- always drop off the files from the state to you and we always pick up the acknowledgements from you to send them back to the state. So, down here in steps seven and eight, we pick those files up. We route them back. We also validate those to make sure that the employer has the -- all the required fields filled in correctly, the syntax is correctly, and then we push those back to each state. And the cycle is complete. The state has created the file electronically. No paper has to go to the employer. We've picked it up, got it to the employer, picked up the acknowledgements and got those back to the state through the portal. And the employers again do not have to worry about contacting and establishing a communication link with every state, just the portal. And the portal is run by federal CSE and there is no fee for employers to use the portal. I forgot to mention that this morning, but I know -- we had a meeting in Denver and a couple of people I think came just to ask that question, so I'm sure people would want to know. And this is what employers want to know. Who's up? Who's up from the states on e-IWO right now? These are the states, you can see listed on the left-hand side, that are up. We have a lot of large states up and running on the system. We have, you know, California, Colorado -- you can go all the way through West Virginia. Pennsylvania just came up December 22. One of the nice things about this project, Pennsylvania did a little clean-up and they sent a couple of thousand records through the first night. No problem. Because there's no paper. If they went through, everything -- there were no errors. I mean, it can get processed by another system easily. So. And the state of Texas will be coming up this weekend. They're scheduled to send their first file Friday night and we're supposed to pick it up on Saturday morning. So these are the states that are up and running on e-IWO and those are the employers that they're with. Again, it's very easy for states to add employers, it's just a matter of the FEINs and making sure they've got the right ones and adding them to their table. And the upcoming implementations that we have for states, we have New York, Michigan and, as I said, Texas is coming up this weekend. New York should be up the first or second week in February. The District of Columbia, Maryland and Arizona by May of this year, and then Georgia, Mississippi, New Jersey and Illinois probably in July, and New Jersey is putting in a new child support system. They had me up there for a meeting about a year ago and they said, "Well, we'll put this -- we'll put e-IWO in rather than our regular paper IWO process." I mean, we can generate paper out of it, but we'll -- you know, we're already programmed for this. So, we have a lot of states coming up, and any employers that are out there, that deal with other states and, if you're, you know -- feel free to mention this to them and give them my contact information. Other employers have and that's fine. That's what we want. I want to get the word out. We want to get as many employers and as many states as we can in the project, because as I think I said this earlier, states want employers to participate and employers want states. I mean, you want a lot of states. You don't want to -- you know, you want to get as little paper as you can. There is a registration -- there's a portal registration profile and testing process that we go through. There's a registration which is fairly straightforward with, you know, business and technical contact information, you know, about who to contact if there's a problem with the transmission or with the file on a particular day, and they have to fill that out. That's the registration form on the second bullet there. This includes a one-page agreement -- which basically the employer just says they agree to accept these electronic income withholding orders the same as if they showed up on paper. In other words, they have the same force and effect as if they came to you on paper the way they do today. And then they complete the profile form indicating, do you want flat file or XML, what time do you want the files picked up, what are the dataset names, and so on. And we have an automated testing module. When employers are done and states are done with testing, and they think that they've got all of their bugs out and they want to test and send the file -- for employers, we have a test file of about 100 plus records that we can send to employers and you can run them through your system to see, is your system acting as it should or as you expected it, is it updating it correctly and so on -- and get the results back to you within a day. So within a day you'll know, you know, was I successful or have I got a couple of other issues that I have to get resolved before I can go up. Same with states. We can get acknowledgements back to states and let them know -- you know, and let -- you know, employers know, well, you have a problem here, or you've got this field that's missing here, or it's, you know, miscoded over there. So the -- that's the ATM, we call it. You don't get money out of that, but you do get the good results of, was your file correct. The cost/benefits. This is for the pilot states only. This is a little bit old, or getting a lot older as I do these. I've got it updated. I'm going to be doing that probably within a couple of weeks. But this is just for the period from May of 2005 through August 2007, and just for the pilot states. And if you look over in the right-hand column, the net increase, says it all for the states. That's why we'll probably have 25 states up. This is a time, resource and savings for the states. I mean, it just -- it saves you time, money and labor. And the development cost for the state, I would say averages in the $400 range. Some are more, some are less. It depends on, you know, the level of IT resources, the contracts they have, the availability of the resources, but generally in the $400 range. There's a collection increase because that first payment comes in much more quickly. If they get that income withholding order electronically the next day, and they do EFT -- I've seen payments come in the following day, within two days of the issuance of the income withholding order. I mean, that's the way it should be, versus two, three or four weeks when they send a paper and you have to get it, open it up, implement it and then put it in your next payroll cycle. So it's really sped up the first payment. Those are the collection increase and the administrative savings are a dollar a document. It costs the state a dollar -- it costs just about anybody a dollar a document, with postage, handling, printing, all the costs associated with that is a dollar a document. And, with that, you look over in the right-hand column, I mean, Colorado, over $500,000 savings, and, you know, again -- and this -- this is only with one employer. And when we add -- this is, again, through August of '07. When we go through and we add in the postal service and the -- and whatever, these cost/benefits go through the roof. They really do. They are very -- and the employers, also -- I'll get to that in a little bit. The employers save a lot of money, here. A lot of time, a lot of effort. And some of the more -- some more benefits from e-IWO. Adding additional employers for states or states for employers is straightforward. It really is. I could tell you that we had -- when we put up the portal the Postal Service was the first employer that went up on the portal, and we had a couple of states up with DFAS that were sending them through and DFAS came up on the portal, and I had West Virginia. Said, well, we're going to start on the portal with DFAS. So they started, and they generated the file, we picked it up and we got it out to DFAS. About a week after that I get a call from my contact up at the Postal Service saying, "I'm not saying this is a problem, but we're starting to get e-IWOs from West Virginia. Did they want to start with us?" So I called my contact in West Virginia. I said, "Did you start with the Postal Service?" And she said, "Well, yeah." She said, "You said it was easy. And, we said -- you know, the programmers said there's only one FEIN, so let's add it in." That's the way this should be. The states can just add the employers by updating their table with the FEINs from the employers and on they go. There isn't any need for retesting with every state employer that comes up, every combination. Once you can take a file, you can take a file from anybody, because that record layout is the same from Maine to California. It increases collections. I went through before, the first collection gets there more quickly, plus with the acknowledgement the state knows that that income withholding order, if it isn't any good, they know it much more quickly, they can look for another income source or an employer. Obviously it saves everyone time, money and resources. The standardized data record ensures uniform data for employers. Again, the record layout is always the same regardless of the state it comes from. It increases the accuracy and reliability of the data that the employers get and the states get back from the employers, and the electronic acknowledgment enables everybody to keep up to date, have a good communication flow going back and forth, and it's quick. Now, the next couple of slides are from employers, and these slides were done by Meijer Corporation and Labor Ready and they were presented at an employer session after a national job support enforcement conference a few years ago, about two years ago. Meijer corporation estimated it took them about 300 hours to do the programming, to put in the IWO. And they broke that down: the staff was about 40 hours, they had some additional technical assistance for 15 hours, and no other company resources were required. So it was, you know -- that's a chunk of resources for people who don't have many IT resources. I'm going to get to that in a little bit, but that's what Meijer had estimated, but Meijer also said it saved them, when they put it in, $6.50 a document. They figured by the time that mail arrived and they would open it up, and they would get it and have to key it and everything, the cost savings was over $6 a document. Labor Ready, the temporary agency out in Washington, had this bar chart that they showed at the symposium, and Mike who was from Labor Ready at the time, said, "Here's why everyone should do this." He said, "We took it -- we did a sample, and a survey of how long it took us to do 244 income withholding orders manually." It took them 450 minutes. They put in an optical character solution in between before e-IWO, dropped it down to 180. They put in e-IWO, the 450 minutes went down to 30. He said that says it all. He said, "That savings for us is enormous." And they said -- he said, "That's why you do this." He said it saves everybody time and money, gets the collection there faster. It really is a winner for everyone. The spread -- this is entitled "Spreadsheet Alternative." We do realize -- O.K., and I have done -- and other people have seen me at these presentations -- and I've had employers come up to me and say, "You know, I really want to do that. This sounds great. But I don't have the IT resources." How many -- well, no, I shouldn't -- no. Nope. I'll wait till the end. But they just don't have the IT resources. When I was at the American Payroll Association Conference this May, I had a lot of employers come up to me and say that same thing. "I really want to do this. This is the way to do it. But where am I going to find the IT resources to do this." What we're looking at and what -- we're looking right now -- this is only in development and it's only a prototype. O.K. It's a spreadsheet alternative that we could give to employers so that you would basically -- this would eliminate the programming. And what would happen -- I've got a link here -- now, this happened this morning, too. Oh, there it is. It must go away when I don't -- this is a -- again, this has not been done. This is what we're -- this is actually the first conference I'm coming out to, where I'm discussing this with employers. What we could do, or what we're thinking we could do is to take the record in from the state. This would be no change on the state's side. They would create the record the same way they do today, but instead of sending a file to the employer, what we could do is send them -- this is basically an Excel spreadsheet, and it would be pre-filled for you, for the employer, with that data that you see on there, and there's other data that's to the right of this, which is all of that termination information and other address and lump sum and so on. That's all on the right-hand side. I'll get to that in a second, but, basically, what you would do is you would get this spreadsheet and you would take a look at each one -- each one of these would be an individual income withholding order. The state's on the left-hand column. And you could take a look at the name and we have the SSN. We'll probably move the SSN over because that's probably the most critical field you use, so we'll list that right next to the state and the document action code, and then the name. And then you see these two shaded columns. One's the record disposition status code and the other is the rejected reason code. For example, if you got this spreadsheet and you wanted to process these income withholding orders, you could get that and you would also along with this get a PDF of the document, so you'd have a copy of the document right next to you. You would have the spreadsheet and you could say, "Well, for Joseph Smith, the very first file, with that SSN, I got him." All you have to do is put an "A" in that column and send it back. And, you know, fill out the rest of them. Don't do just the one -- and let's say you get to number two -- let's go to number three. He's easier to print out. So, Michael Lance. Michael Lance you never heard of. O.K.? So what you do is you go over to those two columns and you put an "R" in the rejected disposition status code. We only have five or six rejected reason codes. They're fairly simple and it just says he's not here. You put that in and you're done. And, I'll get -- as I say, I'll go to some of the other columns in a second, but this is the acknowledgement file. This is all of the elements, and if I can get over this time to the rest of them. I wasn't too successful this morning. See. It's not liking my -- O.K., here we go. You'll see the rejected as it slides to the left here. You see all these other fields? The termination date, final payment made date, final payment amount, all the lump sum, the NCP address -- that's from the termination. If you do have a termination, you would fill that information in. If you do know where he or she went to work, then you would put that in and then there's a control number that would be filled in and that's it. That is the acknowledgement record. Those fields on the top, what you see there, that is the acknowledgement record in the e-IWO process today. All we're doing is pre-filling that for you and giving you an Excel spreadsheet so that you can just populate that, you know, fill in the rejected -- and, again, 95% of the time, I think all you're going to have to do is fill in these two shaded columns, complete them for everyone and send it back. And, right now, what we're thinking is, to deliver that file to you, to get it to you, is the same process that we use today for e-IWO and that would be a dataset on a server at your employer. And, you know, I'll get to something else in just a second, but that's what we're thinking and to pick up, to pick this file up the same way. You give us a dataset name, give us a name, where that's going to reside on your server, on your company server and we'll come and pick it up. This basically gives the acknowledgement file back to us. Then we take that Excel spreadsheet, we turn it back into that file layout that I was talking about and send it back to Oklahoma. Oklahoma and every other state thinks, well, they did the e-IWO process, they got it done, here's the record layout, here's all the fields filled out, we're done. So -- and let me just close this out. Yeah, and you also -- when I did those other fields -- if you do have -- let's say you do have somebody to terminate it. What we're also thinking is we can give you a template, you can just fill in if, you know, John Jones quit or left or was fired. You can take a blank one of those forms, put in his case identifier, his name, his SSN, send it back to Oklahoma. Let them know electronically rather than sending a piece of paper. So it can handle that plus lump sum information. You saw that as I scrolled across quickly, but -- scrolled across. Now, at the end of this, not now, but at the end of this, when we're all done and they have questions, I'd really like to see a show of hands of the employers that are out there today that think that this alternative would be viable or feasible, or this is what they're looking for. And, also, in addition to this -- we're also looking at possibly having a fill-able PDF. Now, what that would be is, we would create -- again, no change for the state. The state would give us the file the same way. We would create a PDF of this document and then instead of the spreadsheet, have a short form that -- basically with those elements up there -- a short, fill-able form where you could have radio buttons or check boxes or whatever. You would fill that in and transmit those back. The difference is, that spreadsheet is -- you get them all in one location. The fill-able PDF, you would basically tab through these. You'll get one document at a time. Both alternatives, you get the PDF. Next slide is e-IWO resources. This is -- the source is the link to the software interface specification document, commonly called the SIS. If you took a look at there, that's the link. It's about 100 pages long. Don't be scared by the length. At least a third of it, just the record layouts, and a lot of the -- I mean, we try to explain everything that's in there, in the process for any employer or state that would want to do this for every possibility of naming file, whatever. A lot of this you can go -- I mean, take a look. There's an explanation of the process and I think what we're working on -- well, we are working on, is a -- you know, like a one-page checklist and sheet that would tell employers and states what they would have to do. And obviously we have other work to do if the spreadsheet or the fill-able PDF is the, you know -- looks like it should be done. But that document's out there. It's right on the federal OCSE web site. That is the link for it. You can take a look at it and give it to any of the technical staff or yourself take a look at. There's also an e-IWO work group. I had a call at least once a month with the states and employers that are up on e-IWO, that are thinking about coming up on e-IWO, that want to know more about e-IWO. I go over the status, the implementations, what's happened, the best practices, the -- you know, lessons learned. All of that we go over with the states and the employers. It's only about a half an hour call generally. So. And there's an e-IWO work place. That's like an electronic bulletin board, where all of the minutes from those meetings are posted. There are business rules out there. About six to eight months into this project one of the employers said, "You know, it would really be nice if we had something that had the rules. What are we supposed to do when we get an amended and we didn't have one? We never got one. First thing that shows up is an amended, and so we create a business rule. The answer to that question is, you do it, by the way. There are business rules that we'll tell employers, when they're doing any programming or whatever, if I get one and I already have this, you do this. So that's out there on the work place. The contacts are out there. The states that are up are out there. It's just -- it's like -- kind of like an electronic bulletin board. If you want to get more information about it, see the minutes. I think I've got the minutes from the last two and a half years' meetings out there. So. And if you're interested in getting access to that work place, just e-mail me or call me, and my contact information's at the end of this and all over the place. And what's involved if you want to join or sign up, basically the states and the employers -- the states have to make programming changes, so do the employers and to -- you know, be able to participate in the full e-IWO process. The record layouts, again, are based on the IWO form. Generally what we do with employers when they want to come up, is we establish connectivity with you first. We get your network people, or you IT people on the phone and say, "O.K., here's what we need to do. We need to have your URL. We have our encryption keys. Swap those. And we get that and we put a file out there that's unencrypted, just has no information in it, just to make sure we can get out there, pick up an empty file, again, go back and forth, and then encrypt it. Then we're all set to go with communication and, then, if the employers are ready to test, then we go ahead and -- you can put a file out there and you can test the acknowledgement process. Or we can test the detail process to get an income withholding order electronically from a state. Or with the test cases that we have, the 100 cases that we in a the test data. Yeah, and then there's testing with the portal, and if you have any questions on it, give me a call. E-mail, fax, whatever. And, again, we have the 15 states up. This project has worked great. It started in 2004. It's now 2009, but we have come -- I mean, people are on this. We have come a long, long way. I mean, we started with basically no record layouts and we're now to the point where we have 15 states up, we have another ten that are coming up, and this thing is saving everybody a lot of time, money and effort. Toby Hallows: Good afternoon, ladies and gentlemen. You have it easy with me, because my presentation doesn't include a PowerPoint, and it doesn't include a long, lengthy speech, I'm just going to give you a little bit of information as far as Oklahoma -- as it relates to Oklahoma, in the e-IWO. As Bill mentioned, we are up on the portal. We do do file transfers with both the Postal Service and the DFAS and Ruby Tuesday's. I'm here basically to act as liaison for Oklahoma employers, or mostly state employers that deal in Oklahoma about how Oklahoma uses the information we get back from the portal. For example, if we get a terminated record from -- on an e-IWO, we automatically move that employer in the history so that you should get no additional paperwork from us. So, it's one of the benefits to going electronic income withholding order -- is that if you send back a response file that says, "He doesn't work here, he never worked here," instead of that information not getting into the system because someone didn't enter it in correctly or, you know, it fell through the cracks, when we get it electronically it automatically moves you as an employer into history on that case so that you will get no additional information on that person on that case. So it's one of the benefits to going electronic income withholding order. One of the things I want to do is, I want to encourage everyone here at this site and at these sites listening to us over the Net to please, when you get back to your company, either today or tomorrow, tomorrow morning, e-mail Bill Stuart at his e-mail address and say, "Yes, we want the spreadsheet alternative." Even if you don't. Just e-mail it anyway. No, no. If it is something that you're truly interested in, please send that e-mail to Bill, mainly because -- I mean, he's our guy that can -- has the clout. He's the one that can go to the federal government and say, "Look, the employers are asking for this." Because if employers are asking for it -- they already know the states want it. If the employers are asking for it as well as the states, they're more inclined to say, "O.K., let's develop this, let's get it in production, let's go." So, please, if it is something that you're truly interested in, please e-mail him. I will be sending out contact information for myself, as well as the presenters from today to everyone that registered for this seminar. And, basically, I -- you can contact me for questions that you have on e-IWO as it relates to Oklahoma. I can also answer some of the questions about just the overall program itself, as well as income withholding orders, and that type of thing. And, you know, if it's a question that I don't have an answer to, I have access to the work site, the e-IWO work site. I can look it up, and if I really get really lost on a question, I know who I'm going to. I'm going right to Bill. And I'm -- you know, I'm -- I usually pick up the phone. Sometimes I'll e-mail him, and -- you know, and one of the other great things about Bill is that every employer that I've talked to that is interested in electronic income withholding orders -- he is very conscientious about getting back with you. O.K.? So, please don't hesitate to e-mail or call thinking, "Aw, I'm not going to hear back from him for weeks," because that's just not going to happen. I mean, he's very conscientious. So, by all means, please, please, if you're interested in this at all, please let Bill know by e-mail as soon as possible. And like I said, we've talked a lot about, you know, IT things today. We've talked about, you know, data files and schemas and things of that nature that a lot of you may not, you know, grasp if you're not an IT person. And, you know, it's one of those things where if -- when I give you my e-mail contact information tomorrow -- I'll actually give it out today, but when I sent it out, if you don't have an opportunity to remember it or you lose it, I will send it out by e-mail. And if you have a question about some of the more technical issues of it, I'll try to get with you and explain it in a more basic format so that you can understand it. Your IT people, you take this back to them, they're going to understand it. But if you need it to explain it to someone else, a boss or supervisor, just give me a call and -- or send me an e-mail, and I'll walk you through it. Devin McGhee: I am going to talk a little bit about EFT and web pay. It seemed like the natural conclusion to all of this paperless society to go with the final outcome of all this, which is to get the child support to the state, who can then get it to the families. Before I do that, I've been listening to Bill give his presentation a couple of times and I'm dreaming of a whole lot less paperwork. I can tell you, I really feel your pain. All those forms that you guys fill out and return all come back to my office. In the first ten and a half months that we were open, we've received 875,000 pieces of paper, all of which are stored somewhere in our building. So, I would love for this to become a national standard. I think this is great. A couple of other things before -- and mine is really short, as well, because I know you guys have questions -- is a little plug for our employer handbook. I think a couple of speakers have mentioned it. We are going to be mailing these out along with the DVD of this presentation to everybody who had registered for it, and that way you can have it for reference, you can share it with other people in your office. You could also get more copies of these handbooks by just calling the Employer Services Center. I think their number is all over people's PowerPoints, including this one. So, I'm sure you can find it. The other plug that I wanted to do was I believe that we had mentioned councils at some point. We do have employer councils. There are four of them throughout the state. One's here in Oklahoma City. One's in Tulsa, and then there's one in the southeast portion of the state, and one in the sort of north mid-western part of the state, around the Clinton-Weatherford area. If you are at all interested, please contact us at the Employer Services Center. We use this as a forum to let you know what's changing in child support, to answer any questions and to get feedback about how to let other employers know about these things that affect them. So, without ado, I will go on to EFT and web pay. This is in conjunction with, of course, the e-IWO, but these are also services that are already available for employers. You can use them now even with the paper income withholding orders, and they do save a lot of time and money, and we'll kind of go through just some very basic -- the EFT are electronic funds transfer. It's basically your bank talking to child support's bank. They transfer money back and forth. There's no human involvement in that. Once you get this set up, that's all you have to do. It's a beautiful system. That being said, sometimes, just like the e-IWO, it does require some IT capabilities. There's basically a three-step process for doing this. The first step would be to contact your IT or payroll department. Now, some of you guys may not have that. The bank -- your bank actually should have some information on how to do this as well. A lot of them have software packages that you can install in your own system. Not all of them, but a lot of them do, so you would just contact them and see if this is a possibility for you. We had a question this morning about the commercial software like QuickBooks. I'm going to look into that. I know at one point there was some talk about trying to make that part of a standard with some of the commercial packaged payroll software, but I do not know the answer to that. As soon as I find out, I will send that out to all the registration. The second step would be to contact the Oklahoma Child Support Services and the number is up there on the board. That's the questions number, the 600-0014. And just let them know. There are specific formats that that file has to be in and then they need to set up a test, and that's the third part, is just you'll do a test to make sure that the money is transferring back and forth, and that's it. That's all you have to do. It sounds simple. There's a lot of programming, a lot of IT and I won't pretend to know all of the details. Just like with the e-IWO, there is a packet of information available that gives you all those file formats. It's not quite as -- it's not 100 pages, but, again, actually for most people, the first couple of pages is all you really need to know. It tells you what steps to take. The rest of it is for your IT people. But there is also a copy of the packet in the handbook, so you can kind of flip through it. It's released by the National Automated Clearing House Association. It's a -- it's what the bankers use, too. NACHA. Or you can receive that packet just by calling us at the Employer Services Center. Some of the benefits -- we've already talked about this. Obviously, you don't have to worry about printing checks. Any of the additional paperwork, you know, with all of the case numbers on that, you know, it saves money. You don't have the postage costs. You don't have to do the, "well, the check's in the mail," and hope that it actually gets from one place to the next. It also, of course, reduces data entry errors. There's -- you know, there's no human involvement in that. Once it's set up and it's associated with the right case, that's it. So it will always go to the right case every time. And even by itself the custodial person will get the money much faster because there's not the human processing that has to happen. And combined with the e-IWO, though I don't remember if you've mentioned the story this afternoon, but they were getting payments within two or three days of having sent off the e-IWO to begin with, and not only got the acknowledgement back within 24 hours, but got the first payment within two to three days. So, in conjunction with those two, this is a very, very fast process. We, of course, understand that, you know, not everybody has the capabilities or an IT person on site to be able to do this, so there is an alternative, which is web pay. This is set up very much like any of your utility bills where you can go on and register with your company and they can just deduct money from your bank account. The great thing about web pay is that you can also set up multiple payments, so you can do it a one-time payment if you need to, but you can also set it up so it deducts money for that account every single time, every month on the day that you schedule it. You can use credit cards, you can use debit cards, you can have it directly taken out of your bank account and the registration web site is on the PowerPoint. Of course, once you enroll, you will actually get a notification and you'll have to activate your account. One of the things that I think is so cool about web pay is that not only can you do the multiple counts or payments and the one-time payment, but if you've got say four or five different cases and they're all on different payroll schedules, and it's so all of everything has to come out at different times, you can actually set that up under one account in web pay so that you can just go in, you have one, you know, user name and password, and you can just set this all up so that it comes out at different times depending on who the employee is and what their payroll schedule is, so it's very neat and tidy package, there. The one thing that I will tell you to be careful about with web pay is that this is a vendor for the state, so if you get a notice that the income assignment or withholding order is terminated because, for whatever reason, the kids have aged out or that employee leaves your work place, Child Support cannot stop the payments that are coming through web pay. That has to be done by you. So make sure that if you use web pay, and for some reason you need to stop the payments, that you go in and make sure thatthose are stopped or cancelled. Again, we have a few common questions. Some of these are also just general questions about making the payments to child support. Is there a fee for -- to your web pay? The state will never charge you a fee for using either of these systems. The web pay system never charges you. The only time that you might see some fees associated may be with your bank, and that will generally be with EFT, but again you'll have to check with your bank about that. But you will never be charged a fee for using these for child support. One of the things that has come up, especially if somebody has had to switch bank accounts or well, for a reason, there's a non-sufficient funds list, and an employer may find themselves on this. The only way, unless it's an error on the part of your bank -- the only way to get off of this is sort of 12 months of good payments, and that just means a cashier's check or money order over a 12-month period of time, and then you can be asked to remove, and you can go back to doing -- sending, you know, either business check or using one of these systems again. The caution on that, too, is that it's -- you're put on this list by the employer name. So, even if you switch bank accounts, that's not going to get off the list, because it's associated with whatever business you're in. And basically for this, especially if it's a bank error -- and so the next two about entering a wrong case amount, or the name or putting it on the wrong case -- if you know that you've done this and you call us at the Employer Service Center immediately, we can usually let them know in time that they may not put you on the non-sufficient fund list, because they can either stop the payment or at least know that it was an error in good faith sort of thing. If it's a wrong amount and you're wanting to get a refund, if it's already been distributed -- and this is another reason why as soon as you know that you've done this, please give us a call -- once it's been distributed to the family, they're not going to be able to do a refund on that. If it's been retained for the state, sometimes they can do that, often they will, but, again, it's timing. As soon as you know that this has happened, please let us know, because we can usually help out with that. The same thing with if you send a payment in error, like they quit and the payment went out again, especially with web pay, if you don't get it stopped, again, let us know as soon as you do, and that'll really help us be able to try to resolve that in your favor much more quickly.