The idea is just-in-time financing.

When the budget is approved, agencies make a mad dash to encumber every penny they've got, whether it is a real need at the time or not.

The key is you won't spend more than you need to, but to do that you have to have planning and forecasting. It could well save the city over the life of the debt millions of dollars.

By the time we interview juniors and seniors, we've met many of them.

at any time.

I did start down that path some time ago,