River Recovery - Business Plan

River Recovery Business Plan
Boorowa River, NSW
Greening Australia River Recovery – Business Plan
of 20
The Boorowa Business plan will document the proposed actions in designing and implementing
on ground river restoration project for the Boorowa River including strategies for project
delivery, partnerships, leveraging investment and communication. This plan is intended as a
living working document which will evolve as the project progresses.
River Recovery
Australia has over 180,000 km of rivers and streams, of which some 22,000 km is in need of
urgent repair. River Recovery is a national initiative, driven by Greening Australia, which sets
out an ambitious but achievable program for restoring the health of Australia’s rivers.
Regional in its approach, River Recovery ensures access to training and support on river
management, promotes land management innovations that protect rivers, secures corporate
funding and stewardship, and raises community awareness inspiring volunteer support.
In its first phase River Recovery will focus on the protection and rehabilitation of priority river
reaches in nine major river systems across Australia.
 The Yarra (VIC)
 The Derwent (TAS)
 The Boorowa (NSW)
 The Lower Murray (SA)
 The Burdekin (QLD)
 The Hutt (WA)
 The Coliban / Campaspe (VIC)
 The Katherine (NT)
River Recovery features two major components.
1. Action learning
River Recovery partners will be involved in identifying, testing and delivering a suite of river
management tools, planning and training products that regional NRM bodies and other river
stakeholders can use to improve river health.
River Recovery will work with leading research organisations like Land and Water Australia,
CSIRO and the Murray Darling Basin Commission to identify:
 Current research and available river management tools; and
 Gaps and opportunities.
Greening Australia will share the knowledge gained through this process through its national,
community-based network.
2. Leveraging investment
By securing the interest, support and networks of Australian businesses, research organisations
and individuals, Greening Australia is working to leverage the catalytic funding provided by the
Australian Government’s Natural Heritage Trust, to build a greater pool of resources for wide
scale riparian restoration.
Greening Australia River Recovery – Business Plan
of 20
Nationally, River Recovery brings together business leaders, scientists, community-based
organisations and government agencies to apply the best knowledge and tools in the
restoration, protection and management of Australia’s river systems
The Boorowa
The Boorowa River in the Lachlan catchment is an important part of the Murray Darling Basin.
Known to contributes salt loads averaging 26 tonnes per day to the Lachlan River, the Boorowa
River remains a vital source of water to agriculture, rural communities and the natural
environment and has been identified as high priority for riparian rehabilitation by the Lachlan
The river runs from south to north and joins the Lachlan River just below the main water storage
facility of Wyangala Dam. The catchment covers an area of app 182,000 ha and the river length
is an estimated 150 kms.
Greening Australia River Recovery – Business Plan
of 20
1 Vision for Boorowa River 2005-2008
The Boorowa River Recovery project aims to address salinity and water quality management
targets by working with the CMA to develop a management plan and undertake river restoration
works in identified priority reaches of the Boorowa River catchment . The project will be a
vehicle for establishing effective working relationships between GA, Lachlan CMA and other
regional stakeholders and for leveraging investment for on ground works. The project will:
1) Achieve whole-of-reach riparian restoration on the Boorowa River and tributaries and
contribute to Lachlan Catchment salinity and water quality targets through a coordinated
community-focused river recovery campaign
2) Showcase how a practical and productive partnership can be established between the
Lachlan CMA, GA, landholders and the broader community to achieve significant
environmental outcomes
3) Identify related land management issues and assist landmanagers to access information
and support to address them (eg corridor linkages, grazing management, salinity, etc )
4) Illustrate the importance of effective partnerships in leveraging funds and support within
and beyond the catchment
GA ACT & SE NSW aims to match national River Recovery funding ($50K) with ACT & SE
NSW financial reserves ($50K) and leverage regional funds from the CMA’s Water Quality and
Riparian Management program ($275K) and other interested stakeholders ($25K) to build a
$400K targeted riparian project for the catchment.
Together, the Boorowa River Recovery project partners (Lachlan Catchment Management
Authority, Greening Australia, TransGrid and local partners) will ensure active participation of
the community in on ground work to combat salinity and improve water quality.
Greening Australia River Recovery – Business Plan
of 20
2: The River Rehabilitation Plan
2a) Problem Scoping
The Boorowa River catchment has been extensively cleared for agriculture during the past 150
years. It is now estimated that less than 10% of the catchment remains under woodland or
forest cover (Freudenberger et al 2004). The impacts of this clearing are apparent across the
landscape, resulting in increasing dryland salinity, gully erosion and soil acidity. Biodiversity
has been hugely effected, with 20 species of regionally declining birds are now only found
infrequently (Reid 1999). The remaining vegetation continues to decline in condition due to
factors such as fragmentation, isolation and natural senescence.
The Boorowa River is estimated to contribute 26 tonnes of salt each day into the Lachlan River
at Cowra. Salt loads up to 5958t/day have been recorded after a 87mm rainfall event indicating
that surface flow from salt scalds are a major source of salt loads in the waterways.
Water quality has been severely impacted on, with the Boorowa River and Hovell’s Creek
ranking second in a study on the intensity of gully erosion across the Lachlan Catchment
(Brown, 1988). It also ranks highly on studies into the intensity of bed & bar and streambank
stability. Other riparian related problems include lack of native vegetation, woody and annual
weed infestation, erosion and sedimentation and losses of instream habitat and native fish
Dryland salinity is a significant and widespread problem in the catchment and if left unchecked
is expected to spread at an average rate of 17% per annum. An area of perhaps 10,000 ha may
become salt affected if no action is taken.
There is a range of other land degradation issues in the catchment such as soil acidity, tree
decline, soil structure decline, soil erosion, invasion of feral plants and animals and water quality
decline, some of which are the result of dryland salinity.
It has long been recognised that the key to tacking growing dryland salinity is to limit the amount
of water reaching the ground level though activities such as perennial vegetation managementtrees, shrubs, native grasses and pasture.
Protecting and establishing native vegetation along water courses through fencing, weed
control, native regeneration and revegetation will assist in intercepting surface salt entering the
river, stabilise banks and immobilise sediment, improve terrestrial and aquatic habitats and
water quality as well as creating recreational opportunities.
The project will target priority sections within the main channel and tributaries on the Boorowa
river which are known to contain high conservation riparian vegetation or contribute significant
salt and sediment loads. See Attachment A for ecological Assessment of Boorowa River
2b) Goal setting
The Boorowa River Recovery project will:
Greening Australia River Recovery – Business Plan
of 20
Work with the CMA to identify and refine priority reaches containing high quality riparian
vegetation and areas known to contribute salt and sediments loads to the Boorowa River
Develop appropriate guidelines, criteria and an incentive package which complements
other CMA project and programs
Assist the CMA to develop and implement a management and work plan and schedule
of activities for the Boorowa River catchment
Reduce the amount of salt going into the Murray Darling through the Boorowa through
targeted riparian protection and revegetetation and other management intervention
Rehabilitate up to 50 kms of priority river and streams (1st -3rd order) in the first instance
from the headwaters of the Boorowa River to the town of Boorowa
Provide practical advice and support to land managers through technical advice,
training and resources
Assist landmanagers in implementing best practice riparian restoration works
Work with the CMA to ensure the project complements and is compliant with the
Property Vegetation Planning (PVP) process
Identify appropriate native fish stocking sites to support the NSW Fisheries restocking
Work with NSW Fisheries to restock native fish such as the Purple Spotted Gudgeon at
appropriate treated sites to improve aquatic biodiversity and water quality
 Capture baseline data on a project management database and GIS
 Encourage landmanagers to undertake on going monitoring and evaluation of sites
 Survey a sample number of sites for biophysical changes
2c) Response strategy
The Lachlan CMA is currently undertaking a detailed catchment wide riparian and habitat
assessment entitled “Targeting Priority sub catchments/critical habitats for Riparian Zone and
Flow line management” including mapping areas of riparian vegetation and areas requiring
sediment and erosion control. This information and sub catchment information already been
developed for gully erosion and bank stability will be used to guide River Recovery investment.
(see attached maps)
Based on the results of the LCMA vegetation mapping project, Foundation Building for strategic
investment in Native Vegetation Management, this project will also identify and address related
native vegetation decline issues across the landscape, through increasing the extent of native
vegetation through the identification of priority corridor linkages that will increase patch size and
improve grazing management.
The Lachlan CMA has signaled interest in using Greening Australia through the Boorowa River
Recovery project as an independent, third party auditor to utilize the recently developed
Property Vegetation Planning tool “BioAsses” to assess potential river recovery sites for
River Recovery guidelines, criteria, selection process and site assessments will be adapted or
developed where necessary to identify suitable and appropriate sites for riparian management
and associated incentives.
Greening Australia River Recovery – Business Plan
of 20
It is anticipated that on ground riparian restoration work and incentive payments will include:
 Fencing to exclude livestock
 Provision of alternative water sources such as dams and troughs
 Willow and woody weed control
 Annual weed control for revegetation
 Erosion control measures – erosions matting, coir logs
 In-stream structural works – bed control structures, rock armouring, flumes, water
diversion structures, flood mitigation
 Revegetation- trees, shrubs, grasses, forbes, (reeds?), sedges and rushes
 Fish restocking at appropriate sites will also be undertaken in conjunction with NSW
It is anticipated that on ground riparian restoration will contribute to:
 Intercepting surface salt entering waterways
 Stabilising banks and immobilise sediment
 Improving terrestrial and aquatic habitats
 Improving water quality
 Creating recreational opportunities
 Improving aesthetic values
 Creating linkage to other environmental features
2d) Monitoring and evaluation.
Baseline Information collected will be managed through the GA ACT & SE NSW project
management data base and include:
 Participant details- names, addresses, locations, GPS
 Site assessments – vegetation, condition, species including foreshore assessment
including erosion/sedimentation/incision of banks and river bed, exposed roots, etc
 Works/activities – fencing, revegetation, weed control, earthworks
 Funding allocated to each activity
 Landmanager contributions
 Monitoring of fish stocks (to be carried out by NSW Fisheries?)
 GIS mapping to polygon level
Project performance indicators include:
 Kms riparian restoration
 Ha riparian restoration
 Riparian corridor width
 Kms fencing
 Number of tubestock
 No / km willows/weeds controlled
 Erosion control measures
 Off point watering
 Numbers of plants
 Kms seeding
 Riparian width
 Volunteer hours
Greening Australia River Recovery – Business Plan
of 20
Landmangers will be encouraged to undertake ongoing monitoring and evaluation as part of
their management agreement including photo points and basic biophysical site assessments.
Landmanagers will be given a user friendly monitoring guide developed by GA ACT & SE NSW
as part of the VIP project.
Additional biophysical and social monitoring will be undertaken on a sample number of sample
sites based on methods identified for the Bidgee Banks monitoring and evaluation project
undertaken by the University of Canberra and Charles Sturt University. Site assessment will
include: plant survival, bank stability, weed infestation, natural regeneration, etc.
Greening Australia River Recovery – Business Plan
of 20
3: Linking to regional targets
3a) Links to Environmental Targets of Regional NRM Plan
Table 2: Resource Condition or Management Action Targets
Identified Resource Condition
or Management Action Target
What RR can deliver?
Maintain 100% of existing
native riparian vegetation
by 2012 and establish
additional vegetation along
15% of priority streams
WA08- Identify threatening
processes to the existing
native vegetation
WA01-Identify priority sites
along streams and gully
networks for the
management of bed
lowering and bank erosion
through vegetation
Work with the CMA to
identify high priority riparian
vegetation sites
Protect HCV riparian areas
in the catchment through
Protect and rehabilitate up
to 50km stream with native
Streams identified as high
contributors of nutrient and
sediment load have
effective vegetation buffer
strips along a min of 25%of
their length
WA02-Identify priority sites
along streams and gully
networks for the
management of bed
lowering and bank erosion
through the construction of
erosion control works
Work with the CMA to
identify priority sediment
loading sites
Establish erosion control
measures and revegetation
to stabilise banks and
create buffers for surface
100% adoption of BMP to
reduce sediment and
nutrient input from urban
landscapes and
WA05- Develop principles
of effective buffer strips to
reduce the transfer of
nutrients for the
surrounding landscape
WA04- Implementation of
the erosion control works
and establish native
vegetation to control and
prevent bank and bed
erosion in identified priority
streams and gully networks
Provide technical advice,
training and support to
landmanagers on riparian
Provide incentives to assist
landmanagers better
manage streams, rivers and
Maintain the extent and
quality of 100% of
nationally listed and
regionllly significant
wetlands within the
WA16- Identify critical
instream areas within the
catchment of aquatic
WA13-ID floodplain areas
critical for habitat
maintenance, fish breeding
Identify appropriate fish
restocking sites
Greening Australia River Recovery – Business Plan
of 20
and ecosystem function
3b) Relevant Planning Documents
Lachlan Catchment Committee Action Plan (2000)
Lachlan Catchment Blueprint, Lachlan Catchment Management Board(2002-2012)
Lachlan Investment Strategy (2005) Pending Approval
3c) Current projects
What are the current projects in your region that may be relevant to River Recovery?
Links to River
Targeting Priority sub
habitats for Riparian Zone
and Flow line
John Rogers
Prioritisation for
Capacity Building
“Providing technical
advice and standards,
coordination, project
planning and motivational
$965 K/Yr
David Hilhorst
Priority sub
catchments within
each sub region
Mapping and ground
truthing of vegetation
and aquatic habitat
Increasing levels of
understanding and
motivation to
Implementation of on
ground works for
sediment and nutrient
control (Upper Lachlan /
Lachlan slopes)
$3,170K yr 1
Dale McNeil
Incorporates BMPs at
priority locations
On ground works to
reduce sediment and
nutrient movement
into streams
Build on, learn
from previous
Implementation of on
ground works for aquatic
Biodiverstiy and Habitat
(LowerLachlan / Western
Lachlan slopes)
Dale McNeil
Incorporates BMPs at
priority locations
On ground works to
improve habitat into
Build on, learn
from previous
Collation of BMP for
Riparain Zone and Flow
line management
John Rogers
Manual summarising
Utilise BMPs
Greening Australia River Recovery – Business Plan
partnerships with
support officers
of 20
4: Community Engagement
The Boorowa River Recovery project will:
 Work closely with other CMA projects and initiatives and assist landmanagers to access
information and support to address riparian and other landscape management issues
 Establish effective working partnerships with the Lachlan CMA, Boorowa council and
other relevant organizations to maximize community engagement in the project
Roles & Responsibilities
LCMA will work closely with GA to:
- Identify and contribute to project planning and funding
- Provide project management guidance to ensure program consistency
- Ensure the project is integrated and aligned to catchmemt targets and prioritization
mapping and identification work
GA will work closely with the LCMA to:
- Project manage – design, deliver, implement, capture data, map, monitor and report
- Coordinate community, stakeholder and corporate engagement
Boorowa Landcare Network, Boorowa Council and Boorowa Fishing Club will assist in
community engagement through:
- Project promotion and communication through networks
- Support at training, field days and meetings
- Identifying fish stocking sites
- Support / attendance at working days
CSIRO, LWA & GAL will assist in providing up-to-date advice and assistance in:
- Prioritisation of reaches and sites
- Relevant and practical research to inform best practice management
- National promotion
Boorowa Landmanagers will:
- Undertake on ground riparian restoration on sites
- Maintain and monitor progress
NSW Fisheries will assist land managers in restocking native fish in identified, treated sites
4a) Understanding the community
The Boorowa rural community is typical of many rural NSW communities in low rainfall areas.
Some features of the Boorowa community include:
- Aging rural and predominantly farming population (av age 50+)
- Small rural township
- Experiencing prolonged drought for many years
- Grazing community subject to fluctuating markets and declining commodity prices and
- Subject to changing environmental conditions and community expectations –ie salinity
- Strong, active and progressive Landcare network
Greening Australia River Recovery – Business Plan
of 20
Long history and on ground activity through Greening Australia and Landcare projects
Generally good uptake of on-ground projects – Recognition of problem and willingness
to do something
Dryland salinity has encouraged a community catchment / regional focus
4b) Engaging the community and building capacity
GA ACT & SE NSW has a long history of engaging the Boorowa community and Landcare
groups in environmental restoration projects. Past projects include:
- Flightpaths of Green (1994-1997) – Superb Parrot Plantings, publication and field days
- Superb Parrot Project (1997-2000)- Plantings, school propagations and field days
- Saltshaker (2000-2002) – Broadscale revegetation for salinity and biodiversity (100+
sites) NSW Landcare Award winning project
- GreenGrid (1995) Trees for landcare activities
- Direct seeding for biodiversity (1999-2001) Revegetation
- Roadside remnant connection (1999-2001) Connecting roadside remnant to vegetation
on farms
- GreenSweep (2000-2002) Bringing Life to landscapes and landscapes to life
- GreenGrid (2004-2006) Strategic revegetation
Strategies for maximising community engagement include:
- Engaging and utilising the local public primary and Boorowa high schools (5+schools)
- Utilise the local media – Boorowa Post, radio
- Involve the local councils in planning processes and delivery
- Delivering presentations to landcare and community groups
- Media releases and articles
- Adds in local papers
- Local newsletters
- Field days
- Training days & workshops
- One on one site visits
Greening Australia has already spoken to some landmanagers on the Boorowa River who were
involved in past projects (namely Saltshaker) and have received an enthusiastic and positive
response for riparian restoration work. Greening Australia will continue to utilise and build on
existing community networks to engage the Boorowa community in River Recovery
4d) Celebrating achievement (1/3 page)
The project will recognise achievement and success through :
- Project updates to participants and partners
- Regular get togethers
- Award nominations as appropriate
- Regular discussions at presentations and field days
Greening Australia River Recovery – Business Plan
of 20
5: Co-investment Strategy
5a) Co-investment Strategy
The Boorowa River Recovery project aims to leverage regional funding to undertake priority on
ground River Recovery works in the Boorowa River catchment. Proposed resources include:
- GA RR National - $50K
- GA ACT & SE NSW Reserve funds – $50K
- TransGrid - $25K
- Lachlan CMA Investment strategy - $275
- Matching Inkind community support – $400K
Strategies for leveraging investment will include:
 Foster good working relationships based on communication, trust and mutual
 Aligning the project to the regional investment strategy, particularly to
biodiversity, salinity and water quality targets
 Utilising existing systems, processes, contacts and networks in the region to
deliver a cost effective project
 Promoting past achievements in river restoration and projects undertaken in the
Lachlan catchments
 Minimise administration and deliver 75% of total funds toward on ground
restoration (25% coord)
 Provide the CMA with high quality project management data and GIS maps to
NSW - Reserves
Boorowa Local
Lachlan CMA
Sponsor based
on Coinvestment
$, 000K
Comments(existing or
Partner based
on Co-
Greening Australia River Recovery – Business Plan
Verbal commitment
Verbal commitment
of 20
Other NGO’s
Private Donors
and Supporters
Government Coinvestors
Boorowa Local
Science Co
Greening Australia River Recovery – Business Plan
To be approached
Has undertaken
considerable work in the
catchment in partnership
with GA
of 20
Section 6: Communication and Marketing
6a) Target Audience
Target audience will include:
- Project participants/landmanagers
- Lachlan CMA and associated staff
- GAL federation
- Volunteers
- Local Boorowa council
- Landcare groups and networks
- Businesses and Corporations
- Private investors
- Media
6b): Priority Messages
Key messages will include:
- Boorowa River is contributing significant salt loads into the Murray Darling System
- Riparian Restoration assists in achieving biodiversity, salinity and water quality
- Rivers are important assets worth protecting
- Effective partnerships are important
- GA still has a role in regional NRM / we’re alive
6c) Activities and Resources
Promotional resources include:
- Field Trips
- Photography
- Advertising and expressions of interest
Greening Australia River Recovery – Business Plan
of 20
7: Capacity to undertake the rehabilitation plan
7a) Analysis of Capacity
Table 3 Analysis of “Capacity”
Greening Australia Capacity
GA has effective working
relationship with regional
GA has good relationship
with key stakeholders in
region: Local government,
State agencies, Institutions,
Business, Community
Has worked closely with members of
board and staff
Region/River is close to GA
High probability of GA
having access to river
reaches at the appropriate
scale to address
Accessibility marketing,
learning and doing.
Has worked on project with local
government and Landcare groups in the
GA has already received verbal
expressions of interest from
Within 1 hr drive of GA ACT & SE NSW
office, staff and infrastructure and
Access largely through private freehold
Regional Capacity
Regional Group is
supportive, well organised
and has good networks and
relationships with relevant
partners and stakeholders
Regional group does have
experience in working in
Current project/programs
focussing on river reaches.
Past performance in river
management good
Current management of
river reaches good
Regional group have got
skilled and experienced
staff in river management
Regional group have a
LCMA has good links to Landcare and
community and stable staff
Getting there
Has expressed genuine interest in
partnering GA in river recovery and
capacity building projects
Up to $1 million investment in riparian
Little investment prior to NHT 11 outside
smaller Landcare/Rivercare work
CMA’s does not manage land
Several skilled staff in riparian
assessment, appraisal and management
Included in investment strategies which
Greening Australia River Recovery – Business Plan
of 20
budget allocated for river
Adequate data and
information on condition,
ecological significance of
river reaches available
is pending approval
Bank stability and gully erosion maps
developed with more detailed
assessment underway
Strong Landcare networks
Have needed to take a regional
catchment approach to tackle issues of
dryland salinity
Regional initiatives of CMA only recent
Yes several
Community Capacity
Community is supportive,
well organised and has
good networks and
relationships with relevant
partners and stakeholders
Community is aware of and
supportive of regional
Regional community has a
track record of participating
in regional initiatives
Strong community
champions exist
Greening Australia River Recovery – Business Plan
of 20
8: Workplan, budget and risk assessment
8a) 3 year Workplan and Budget
Please complete attached excel spreadsheet
May – Establish contract with LCMA
June - Appt Coordinator
July – Liaise with CMA and regional staff
Aug- Develop management plan and schedule
Oct – Identify priority reaches
Nov – Develop incentive package
Dec- Continue promotion and community liaison
Jan – Site preparation /earthworks
Feb - Site visits, site plans and agreements
April – Restoration activities
May – Restoration activities
June- Data management and mapping
June – Report to CMA, GAL and stakeholders
Funding Source
CoordinationSalary & OH
plans, site visits
data man, GIS
Fuel, vehicle
willow removal
RR promotion,
photos, articles
.5 FTE
.5 FTE
10% salary
Lachlan CMA
23.5 km x
Lachlan CMA
1.5 km x
@ 3%
On ground
On ground
Promotion &
8b) Risk Assessment (1/3 page)
Briefly list any potential risks that may need to be considered during the life of your River
Recovery project
Greening Australia River Recovery – Business Plan
of 20
Risks to project success include:
Identified Risk
Risk Management Summary
Lack of CMA
Adverse climatic
conditions prevail
during timeframe of
Delays in the supply of
resources resulting in
temporary failure
Conditions of
agreement are not
carried out by
subsequent owner
Outcomes from the
Foundation Building
project is delayed
Ineffective or
engagement will
significantly limit the
ability of the community
and LCMA to
undertake sustainable
Delays in the supply of
resources resulting in
temporary failure
Insufficient skills and
knowledge within the
community to
undertake projects
Climatic conditions are beyond the control of this project
Implement on-ground projects that are appropriate to soil moisture
content and prevailing weather conditions
Allow for flexibility in delivery of projects affected by adverse
seasonal conditions or exceptional circumstances
Maintain good communication between partners to reduce delays
Development of audit and landholder support program to provide
on-going extension related activities.
Ensure management agreements are developed, agreed to and
Native vegetation with very high and high regional significance has
already been identified in the catchment. The lack of spatial
representation can be overcome at the site assessment stage
Tailored communication for the various stakeholder groups
Strong commitment to effective and best practice engagement
Increase understanding of the needs and interests of all
stakeholders to better meet those needs
Ongoing and regular communication with all stakeholders
Maintain good communication between project partners to reduce
Support management systems that ensure existing knowledge and
information is available to a wide range of users
Continual improvement of skills and knowledge throughout the
LCMA and community
Promotion of information networks
Facilitate training and skill building opportunities for the community
8c) 3 year Business Plan Review process
Briefly describe the process you will undertake to review your Business Plan
A 3 year business plan review will be undertaken on a regular basis as the project
evolves. It is anticipated that additional information will lead to minor changes as the
project progresses
Greening Australia River Recovery – Business Plan
of 20
9: References
Bush for the Birds: Biodiversity Enhancement guidelines for the Saltshaker Project Boorowa
Lachlan Catchment Blueprint 2002-2012, Lachlan Catchment Management Board
Boorowa Regional Catchment Committee http://www.landcarensw.org/Boorowa1.htm
(accessed on line 18/3/2005)
Downstream benefits of Salinity management: A case study for the Boorowa Catchment
Powell, J. (1992) Dryland salinity in the Boorowa River Catchment (Salt Action Program)
Greening Australia River Recovery – Business Plan
of 20