Menu Close

Tag: Temple Christian School Kokomo

Black Collar Crime: Civil Suit Against Temple Baptist Church and Mike Holloway Continues

pastor mike holloway

Please read previous posts on this scandal: Black Collar Crime: Woman Claims Evangelical Pastor Mike Holloway Knew She Had Been Sexually Abused and Did Nothing, Black Collar Crime: Evangelical Pastor Mike Holloway Denies He Knew Anything About Woman’s Sex Abuse Claim, Black Collar Crime: Another Victim Comes Forward in Temple Baptist Church of Kokomo Sex Abuse Scandal, Black Collar Crime: The Temple Baptist Church of Kokomo Sex Abuse Scandal Continues, Black Collar Crime: Alleged Victim Count Up to Ten in Temple Baptist Church of Kokomo Sexual Abuse Scandal, Black Collar Crime: The Cover-up Continues at Temple Baptist Church in Kokomo, Indiana and Black Collar Crime: Jane Doe Files Civil Suit Against Temple Baptist Church and Pastor Mike Holloway.

Today, The Kokomo Perspective released another episode in their ongoing coverage of the Temple Baptist Church sex scandal. Devin Zimmerman writes:

Both the Croddys and Temple Baptist Church have responded to the civil suit filed against them by Jane Doe, and a new venue might be selected for the case.

Both defendants in the case denied the allegations made by the unnamed female plaintiff in a civil suit filed in September. Doe sought damages for alleged sexual abuse she claimed to have endured at an early age at the hands of Donald Croddy and involves Temple Baptist Church and its pastor, Mike Holloway, in that she claimed to have been put under Croddy’s care by the pastor.

In the initial complaint, Doe claimed to have been sexually assaulted by Croddy while between the ages of 12 and 14 years old while living with him and his wife, Elfriede, in the early ‘90s.

The living situation, according to the suit, was suggested by Holloway in 1992 while Doe attended Temple Baptist Church via its bus ministry. Due to difficulty in attending church events and activities associated with Temple Christian School, which is operated by the church, the living situation allegedly was suggested so she could increase her attendance. Then, while living with the Croddys on weekends from 1992 to 1994, Doe claimed to have been sexually abused by Donald.

The suit partially hinges on whether Holloway knew of Donald’s tendencies, which the suit claims he was made aware of during a confrontation that involved similar allegations made by an individual in both Holloway and Donald’s presence.

However, both the Croddys, the church, and Holloway denied the allegations in their answers to the complaint, with the Croddys most recently filing their answer on Nov. 22.

Temple Baptist Church and Holloway’s initial response cited several affirmative defenses in the civil suit, including a claim that the statute of limitations bars Doe’s claims. The defendants also requested the action be tried by a jury.

The Croddys, in their response, sought dismissal of the case and also cited a statute of limitations in their affirmative defenses.

Additionally, a special judge was appointed to the case after a motion to change the venue of the case was filed in September. As a result, Rich Maughmer of Cass County was appointed; however, a second change of venue was filed on behalf of Doe on Nov. 30. As of press time, the second special judge had not been appointed.

….

In previous interviews and social media postings, the church has maintained the defense that Holloway sought council from the Christian Law Association (CLA), wherein he was encouraged to take the precautionary measure of restricting Donald from all activities involving children.

In a Facebook posting in April, Holloway wrote, “Since that decision and up to this present time, I have received no information indicating concern about Don’s behavior.”

Black Collar Crime: The Temple Baptist Church of Kokomo Sex Abuse Scandal Continues

pastor mike holloway

Please read previous posts on this scandal: Black Collar Crime: Woman Claims Evangelical Pastor Mike Holloway Knew She Had Been Sexually Abused and Did Nothing and Black Collar Crime: Evangelical Pastor Mike Holloway Denies He Knew Anything About Woman’s Sex Abuse Claim and Black Collar Crime: Another Victim Comes Forward in Temple Baptist Church of Kokomo Sex Abuse Scandal

Today, The Kokomo Perspective released another episode in their ongoing coverage of the Temple Baptist Church sex scandal. Devin Zimmerman writes:

Donald Croddy first admitted to molesting his daughter, Dawn Price, in 1989 during a Department of Public Welfare child abuse investigation.

And, documents obtained by the Kokomo Perspective contradict claims by Temple Baptist Church leadership concerning whether Croddy admitted again to molesting his daughter in 1991.

In 1989 the Indiana Department of Public Welfare (the agency that would eventually become Child Protective Services) conducted an investigation at Temple Christian School. During that investigation, a 17-year-old Price admitted to a caseworker that she had been molested at a very young age by her father. In a subsequent interview with Croddy, he admitted to a caseworker that he had “fondled” his young daughter.

This information was obtained from a DPW 311 form, which Price had to procure because such documents are confidential. Price said she was shocked to learn that her father admitted to a caseworker he had molested her, and while she said certain aspects of the report weren’t accurate, she also expressed dismay at the fact that no further action ever came from the investigation.

“When I got it, it was sealed. I … opened it while I was driving and immediately saw, ‘Mr. Croddy admitted,’ and I had to pull over because I was shaking so hard and crying so hard,” said Price, who is now 45. “I couldn’t believe he admitted to it, and they did absolutely nothing. They didn’t even come back to talk to me again. They just let me go home with him. That just blows my mind. There was no follow up, no nothing … It was referred to the prosecutor and still nothing.”

According to the DPW 311 form, caseworkers conducted their investigation of alleged child abuse on Nov. 15, 1989, after receiving a referral in September of that year where it was alleged Price had been molested by her adopted father when she was approximately 3 to 4 years old. Price noted that this isn’t correct. She wasn’t certain who made the referral, and that information remains confidential.

As a result of the referral, a caseworker interviewed Price at Temple Christian School. In that interview, “Dawn admitted to the caseworker that indeed she had been molested at a very young age by her father. She stated at this point in time she feels that she could use some counselling to deal with some of the emotional issues that are currently present. She stated that she is no longer afraid of her dad and the abuse did not continue.”

By Price’s own admission, the portion about not being afraid of her father was a lie. According to her, Croddy was actually at the school when the interview took place.

“I was always afraid of my dad. I mean, I don’t know. I hate to admit it, but up until I started going to counseling a year-and-a-half ago, almost two years ago, I was still terrified of my dad,” said Price. “It was more of a petrified, don’t want to do anything. It was just instilled in me. He is going to lash out at you if you do anything wrong.

“At that point in time, which also blows my mind, he was there. So, anything I said, I didn’t know if they would tell him. Like I said before, I was in self-preservation mode. Don’t do anything that could cause me to get beat like Danny (Price’s brother). Like I said before, I didn’t even remember telling them that it happened. Reading that also kind of surprised me, that I actually told them.”

According to the DPW 311 form, “Mr. Croddy admitted to the allegations and stated that he had fondled his daughter approximately 10 years ago, but nothing has occurred since. Caseworker referred Mr. Croddy to counselling, stating that Dawn was requesting having someone to talk to.”

This, said Price, was inaccurate. She claimed that the alleged molestation had been more recent than her father stated and elevated to more than being “fondled.” While the form also indicated she would be referred to counseling, Price also noted she never received any aid.

“I was 17 (at the time of the interview), so he had stopped five years prior,” said Price. “So he doubled the years, first of all, and secondly, I think he, I don’t know, he was trying to make it as little as possible so he would get in trouble as less as possible. It says, ‘He admitted to the allegations and stated that he fondled his daughter.’ He did a hell of a lot more than that.

….

On April 19, Holloway penned a letter that was shared via Facebook. In that letter, he wrote, “In February 2017, Dawn posted a video to Facebook making additional accusations against her father, claiming Don had admitted his behavior to me during the 1991 meeting. This accusation is completely false and an attack on both the truth and my character. Given the allegations made in Dawn’s video, I sat down with Don and our church deacons for an in-depth discussion. After this discussion, I asked that he resign as a member of our church.”

However, the Kokomo Perspective recently was given a document that was compiled by the church. This document includes notes about allegations made against the church by Price, actions taken by the church, and other similar information.

Within the document is an account of the conflict prior to Price’s wedding in 1991, which appears to be compiled by information from Tami Breed, who is noted to be Temple Baptist Church’s secretary.

“Approximately, Aug. 19, 1991, prior to her scheduled wedding at TBC, Dawn informed her fiancé (Andrew Thornton) that Don had molested her as a kid,” read the document. “Andrew was very upset and possibly threatened to kill Don (not clear if a threat was verbalized). It was during this ‘blowup’ that Don admitted that he had molested Dawn as a child 14 years earlier (age 5). Following this confrontation, Dr. Holloway instructed Tami Breed to get him CLA’s (Christian Law Association) phone number, which she did. He then contacted CLA for advice on how to handle this information and was told to have Don removed from all ministries that involve children. That was done immediately. Additionally, Dr. Holloway informed Tami Breed to keep an eye out for any inappropriate behavior.”

….

Additionally, it was shown within the document that a meeting between Croddy, Holloway, and church deacons was scheduled after Price released a video in February detailing her accusations against her father.

The document reads, “Sunday, February 26 – Dr. Holloway met for one hour with deacons and Don Croddy and asked many questions; Don Croddy stated that 80% of accusations on the video were false but did admit to:

1 – ‘touchy-feely’ incident when Dawn was five (1975 – lasted for 3 mos.)

2 – had same experiences with 3 neighborhood girls (1985 – he used to bring them to church; they were 11-12 years of age)

3 – no molestations since then.”

According to the document, the meeting resulted in Croddy’s removal from the church.

You can read the entire article here.

Temple Baptist Church Abuse Survivors Facebook Page

Black Collar Crime: Another Victim Comes Forward in Temple Baptist Church of Kokomo Sex Abuse Scandal

pastor mike holloway

Please read previous posts on this scandal: Black Collar Crime: Woman Claims Evangelical Pastor Mike Holloway Knew She Had Been Sexually Abused and Did Nothing and Black Collar Crime: Evangelical Pastor Mike Holloway Denies He Knew Anything About Woman’s Sex Abuse Claim.

Another victim has come forward in the ongoing Temple Baptist Church of Kokomo, Indiana sexual abuse scandal.

The Kokomo Perspective reports:

Another woman alleging she was molested by Donald Croddy stepped forward last week. She claims she was encouraged to stay at the Croddy household by Temple Baptist Church Pastor Mike Holloway post 1991.

Jamie, allowing the Perspective to publish her first name, spoke last week after she said she read the account of Dawn Price, who previously alleged she was molested by her father, Donald D. Croddy, at a young age. According to Jamie, now 36 years old and a Kokomo resident, reading Price’s story brought back memories of her own alleged run in with Croddy.

“I saw Don Croddy’s name,” said Jamie. “Everything just kind of hit me. From 1992 to 1994 I was staying at his house on the weekends because the Holloways and (the Croddys) and my mom thought, because I wanted to be a member of the church, they just thought that would be a good way because I would need to be attending church Sunday morning, Sunday night, Wednesday afternoon, and any other time they requested me to be there … The Croddys were generous enough to do it. My mom was OK with it because they were a nice church family.”

According to Jamie, while staying with the Croddys off and on for that two-year period, she was allowed to sleep in a small room on the main floor of the Croddy household. She described details about the room – such as its hardwood floor, off-white color, twin bed, and location within the house – in a manner that matched a separate description by Price. It’s these details that Price said struck her, as the pair had not met prior to last week, while Jamie was making a report at the Kokomo Police Department.

….

Jamie said that while she was staying with the Croddys, Price’s father made inappropriate advances on her. This, she said, included forced touching.

“He would forcibly hug me. He would like grab me, and hug me, and smoosh my chest into him,” said Jamie. “He would then lower his hand onto my thigh and butt and not let me go.”

Jamie also alleges Croddy would attempt to walk in on her as she changed at their house.

The situation, Jamie claimed, reached a head when she awoke one night with Price’s father allegedly in the twin bed she slept in at the Croddy household on Judson Road.

“He came in there in the middle of the night,” said Jamie. “I wore nightgowns, you know really long ones that had the buttons. I woke up with his hand in my shirt … and I screamed. He told his wife I just had a nightmare.”

It’s at that point, she said, she requested to meet with Holloway. At the time, she said she would have been between the ages of 12 and 14. According to Jamie, she said she told Holloway and his wife about what allegedly was  going on at the Croddy household.

“I felt uncomfortable. I talked to Mike Holloway and his wife because you were never allowed to talk with him alone [the Billy Graham rule],” said Jamie. “That was just the rule of church. You weren’t supposed to be with boys alone. Matter of fact, you had to sit a Bible length away in a pew from a boy.

“I told them about some of these things because there were also times (Croddy) would open the door when he knew I was getting undressed. I was pretty much told I wasn’t being a good enough Christian.”

Afterward, Jamie said she never told anyone about her experiences, including her then-single mother. After riding the church’s buses to services since 1985, beginning at the age of 5, Jamie said she stopped attending Temple Baptist Church.

….

When asked about Jamie’s experience, the leadership of Temple Baptist Church denied the allegation. Because of Jamie’s decision to withhold her last name, the Perspective could not provide a last name to the church because of the nature of her alleged ordeal.

“Without a last name, we cannot provide facts pertaining to a certain member of the church and what interactions this individual may or may not have had with Pastor Holloway,” said Jim Willoughby, an associate pastor at Temple Baptist Church.

“However, the church can state with absolute certainty that Pastor Holloway never encouraged any children to stay at the Croddy home after accusations made by Price in 1991. Additionally, if any church member – child or adult – were to come to the church and claim inappropriate behavior against them, the claim would receive immediate and thorough review by church leadership, including Pastor Holloway. Temple Baptist Church does not and has never tolerated sexual abuse.”

….

You can read the Devin Zimmerman’s latest in depth article here.

Black Collar Crime: Evangelical Pastor Mike Holloway Denies He Knew Anything About Woman’s Sex Abuse Claim

pastor mike holloway

Please read Black Collar Crime: Woman Claims Evangelical Pastor Mike Holloway Knew She Had Been Sexually Abused and Did Nothing to provide context for what follows.

Mike Holloway, pastor of Temple Baptist Church of Kokomo, Indiana issued a statement today denying Dawn Price’s claim that he knew about Price’s father molesting her and did nothing to stop it. Deven Zimmerman, a writer for The Kokomo Perspective, reports:

After declining to speak at length with the Kokomo Perspective prior to last week’s publication, Temple Baptist Church spoke out via social media last week in response to the story published concerning allegations made by former member Dawn Price.

In a statement on the church’s Facebook page, the church addressed the allegations leveled at it by various sources, including Dawn Price and her ex-fiancé, Andy Thornton. The church confirmed that an altercation occurred in 1991 just prior to Thornton and Price’s wedding. However, the church argued that no confession was made by Dawn’s father, Don Croddy, in regards to the accusation of his sexual abuse of her in front of Temple Baptist Church Pastor Mike Holloway.

“I first became aware of a potential family problem in 1990 when Dawn and her father were interviewed by Child Protective Services (CPS), though I was not informed of the topics being discussed at that time,” read the statement said to be authored by Temple Baptist Church Pastor Mike Holloway. “The authorities chose not to pursue any legal actions as a result of that investigation.

“My first knowledge of Dawn’s molestation accusation came in 1991, when Don, Dawn, and her then-fiancé, Andy Thornton, came to me five days before Dawn and Andy were to be married. In this meeting, I was informed of the alleged event that had occurred 14 years earlier. While no confession was made by Don, I immediately sought legal counsel, turning over all information to the Christian Law Association (CLA) [CLA is operated by David Gibbs and is widely known as the cleaner — someone who makes things go away — for  IFB churches and pastors.] I was encouraged by the CLA to take the precautionary measure of restricting Don from all children and youth programs in our church, which I did. Since that decision and up to this present time, I have received no information indicating concern about Don’s behavior.”

The church also confirmed that its leadership became aware Dawn’s YouTube video, which she posted in February 2017 as a confessional of her alleged abuse at the hands of her father.

“In February 2017, Dawn posted a video to Facebook making additional accusations against her father, claiming Don had admitted his behavior to me during the 1991 meeting,” said Holloway. “This accusation is completely false and an attack on both the truth and my character. Given the allegations made in Dawn’s video, I sat down with Don and our church deacons for an in-depth discussion. After this discussion, I asked that he resign as a member of our church.”

Price, however, stuck to her claim about that meeting in 1991.

“The incident five days before my wedding was to take place happened exactly as my then-fiancé, Andy Thornton, and I said,” said Price. “I am simply stating the truth as Andy Thornton and I know it. Andy asked Holloway why he was allowing an admitted pedophile to remain in the church, and Holloway said that my dad had repented, so therefore no action was required, and there was no reason to tell anyone. Why he would seek legal counsel and not report to the police is just mind blowing to me and the actions of a guilty man. He never once asked me if I was OK or needed anything.”

Additionally, Price shed light on Holloway’s comment on the CPS call made to the Croddy household.

“While attending Temple Christian Academy, CPS was called,” said Price. “I have always been forthcoming with this. While CPS was called, Mike Holloway also called my dad, Don Croddy. I was terrified of my dad. Try to put yourself in my position. While my abuse was sexual, my brother’s was physical, severely physical,” said Price. “While I was in one room being questioned by CPS, my dad made a commanding presence right outside the door. I lied to the CPS worker. I was a child. I didn’t want to be beat like my brother, I was in self-preservation mode.

“I had to go home with this man if they didn’t believe me, and I didn’t know what to do. So I did the safest thing I knew to do, especially with him being the commanding person he was; I lied. The authorities didn’t pursue legal action because I was a child who was terrified and had those around me who failed me. The system failed me. Follow-ups should have been made. Questions should have been more pointed. My dad shouldn’t have been allowed to be there. My pastor failed me. I do not believe that Mike Holloway didn’t know what topics CPS were called about that day.”

 

Black Collar Crime: Woman Claims Evangelical Pastor Mike Holloway Knew She Had Been Sexually Abused and Did Nothing

dawn price
Dawn Price

Temple Baptist Church, an Independent Fundamentalist Baptist Church (IFB) located in Kokomo, Indiana is under scrutiny as authorities investigate claims of physical and sexual abuse by people associated with the church and its school — Temple Christian School.  Mike Holloway is the church’s current pastor. As of the writing of this post, no charges have been filed or arrests made. The Kokomo Perspective began a series of articles this week on Temple Baptist and the allegations against them. Today’s article, which is excerpted below,  features Dawn Price. a women who alleges she was sexually abused years ago while attending Temple Baptist Church:

Through a heartfelt reading of a letter she wrote to her parents at the behest of a counselor, [Dawn] Price detailed her painful childhood while choking back tears. In just under 15 minutes, she described the alleged sexual abuse she claims to have endured at the hands of her father, Donald Croddy, who sources say served in various capacities around children at Temple Baptist Church.

Adopted at the age of 5, and now 45, Price claims her father began grooming her shortly after she and her brother were brought into the Croddy home in Kokomo.

“You made naptime and playing house with daddy normal,” said Price in her video. “You took away my innocence. No child should know about sex or orgasms. You have no idea how you screwed up my sexual development.”

Price alleges the abuse ranged from inappropriate touching to Croddy making her watch him masturbate, until it eventually progressed.

“By the time I was 9 or 10, in the fourth grade, you wanted more,” said Price in her video. “This is when my abuse became full sexual intercourse. Later that night I told mom I was bleeding down there, and I was told it was just my period and was sent to school with a paper bag full of maxi pads. It wasn’t my period, and I stopped bleeding after few days. And it was never mentioned again.”

While she said the sexual abuse at the hands of her father stopped when she was about 12, Price’s video acted as a catalyst, with multiple victims coming forward to claim they were sexually abused by Croddy. More than that, multiple individuals claim Mike Holloway, the pastor of Temple Baptist Church where the Croddys attended church, knew about Price’s abuse and still allowed him to work within the church and around children.

Also, Price went so far as to provide screenshots of texts with her mother, Elfriede, which may be a confession that she knew about her husband’s alleged sexual abuse of Price. In one text, in response to Price saying the church may be liable for any potential victims of her father, Elfriede wrote, “… we have ask forgiveness we don’t bother you why now.” Elfriede also appears to go on to deny Price’s allegations soon after.

As of last week, three women went on the record with the Kokomo Perspective claiming Croddy had sexually abused them in his home. One chose to remain anonymous. Another elected to go by only her first name. Price elected to allow her story to be told with her name attached. All of the alleged victims that went on the record bare certain similarities. They are all beyond the statute of limitations in Indiana for criminal charges to be pressed against Croddy; however, they all wanted their stories told. And, commonly, they’d all kept their childhood experiences largely to themselves, until recently, for reasons ranging from a fear of Croddy to the belief that since he was so active at the church no one would believe them.

“I want it stopped, and I want him held accountable,” said Price. “I don’t want there to be any more victims. That’s my main goal, to make sure there aren’t any more victims. I feel like if I don’t speak out at this point, if there are more victims, then that’s my fault too.”

….

One source of angst for Price is that Holloway, the pastor at Temple Baptist Church, knew about Croddy abusing her.

According to her, on Monday, Aug. 26, 1991, she was traveling around town with her father and her then-fiancé Andrew Thornton. At the time, she was 19. Thornton was 21, and the pair were set to be married in just five days. In the final phase of preparing to move to Thornton’s hometown in Texas after the wedding, the group was in the process of helping Price take care of final arrangements prior to the move, like closing her bank account.

Price claims that as she exited a local credit union, she came upon her father repeatedly striking Thornton. As she said she later found out—and Thornton corroborated the claim in a separate interview—Thornton had confronted Croddy about his alleged abuse of Price.

“Dad said, ‘I don’t approve of this marriage. We’re going to the church, and I’m telling the pastor right now.’ I was like,’Why?’” said Price. “And Andy said, ‘Because I told him I know what he did to you.’”

Not long after, the group located Holloway in Temple Baptist Church for an impromptu meeting, according to Price and Thornton. Price said she told Holloway her father was fighting with her fiancé because she told Thornton about her childhood abuse.

“Holloway looked at me. Then he looked at Andy. And he looked at my dad, and he said, ‘Is it true? Did you do what she’s claiming?’ said Price. “And [Croddy] said, ‘Yes, I did, but that’s in the past.’”

Even though Thornton and Price eventually divorced, with Thornton remaining in Texas and Price eventually settling in Ohio, he corroborated her account of that day’s events in 1991. In his recollection, he even said he believed Holloway already knew about Croddy’s past abuse of his daughter.

“He was aware of it that day for sure, but he was aware of it before that because he basically said, ‘I’ve dealt with Donald on this. It’s been forgiven,’” said Thornton. “He basically said bad things about Dawn as well, like she was a bad kid in high school or whatever, so I’m not going to take her word for any of it. He basically just disregarded what she was saying and went with the person that’s donating money to the church is the way I felt.”

According to both Price and Thornton, Holloway asked Croddy if he would be able to not “cause a scene” at his daughter’s wedding. However, he allegedly told the pastor he wasn’t sure if he wouldn’t. So, the pair claim Holloway canceled the wedding just days ahead of time. As a result, they eloped and moved to Texas together.

Since Price’s video has come out, others have come forward to make various claims about interactions with Holloway that made them believe the pastor was aware of Croddy’s alleged tendencies.

Mary Bell was raising multiple teenagers while attending Temple Baptist Church. According to her, Holloway warned the mother of three that Croddy was a pedophile in either 1997 or 1998 when her children were participating in a church fund raiser.

According to Bell, the children were broken down into groups for the fund raiser, and some were assigned to work at the Croddy household. However, Bell claims she was pulled aside by Holloway at the church and told not to allow her teenage daughters around Croddy.

“They would work with people around the church and their homes, and we chose the Croddys,” said Bell. “All three of my children were teens at the time working for the Croddys outside. When I went back to the church Mike Holloway pulled me away and said that I should not have my children over there at that house because he is being accused of being a pedophile. So, I need to get my children away from him. So I did.”

Others maintain that after the alleged events just prior to Price and Thornton’s wedding in 1991, Croddy was allowed to be around children in various capacities within the church.

Tabitha Dodd, a former fifth-and sixth-grade teacher at Temple Baptist Academy, said she had seen Croddy help around the church day care, playground, and other activities where children were present as recent as 10 years ago.

“He would be at the church in various capacities whenever the preacher needed help. He would do stuff, I can remember, with the fall festival,” said Dodd. “He would do the tractor rides and different things whenever the men would help out in the church … He would do stuff with the day care kids in the back. The day care has a playground in the back of the church.”

….

The Kokomo Perspective attempted to speak with Holloway about the allegation that he knew about Croddy’s alleged sexual abuse of his daughter and still allowed him to work around children. In response, Temple Baptist Church issued the following statement:

“Concerning the allegations that have recently surfaced, we are currently looking into the matter. We have cooperated with and will continue to cooperate with the authorities. We have no further comment at this time.”

Multiple attempts to contact Croddy were unsuccessful.

Price provided a text from her mother, which showed that since her video was released her parents had been kicked out of Temple Baptist Church.

You can read the entire article by Devin Zimmerman here.