{"id":7956,"date":"2014-02-21T17:37:29","date_gmt":"2014-02-21T22:37:29","guid":{"rendered":"http:\/\/ianchadwick.com\/blog\/?p=7956"},"modified":"2023-10-27T07:34:31","modified_gmt":"2023-10-27T11:34:31","slug":"collingwoods-municipal-debt-and-2014-budget","status":"publish","type":"post","link":"https:\/\/ianchadwick.com\/blog\/collingwoods-municipal-debt-and-2014-budget\/","title":{"rendered":"Collingwood&#8217;s municipal debt and 2014 budget"},"content":{"rendered":"<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_7956\" class=\"pvc_stats all  \" data-element-id=\"7956\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.0\" viewBox=\"0 0 502 315\" preserveAspectRatio=\"xMidYMid meet\"><g transform=\"translate(0,332) scale(0.1,-0.1)\" fill=\"\" stroke=\"none\"><path d=\"M2394 3279 l-29 -30 -3 -207 c-2 -182 0 -211 15 -242 39 -76 157 -76 196 0 15 31 17 60 15 243 l-3 209 -33 29 c-26 23 -41 29 -80 29 -41 0 -53 -5 -78 -31z\"\/><path d=\"M3085 3251 c-45 -19 -58 -50 -96 -229 -47 -217 -49 -260 -13 -295 52 -53 146 -42 177 20 16 31 87 366 87 410 0 70 -86 122 -155 94z\"\/><path d=\"M1751 3234 c-13 -9 -29 -31 -37 -50 -12 -29 -10 -49 21 -204 19 -94 39 -189 45 -210 14 -50 54 -80 110 -80 34 0 48 6 76 34 21 21 34 44 34 59 0 14 -18 113 -40 219 -37 178 -43 195 -70 221 -36 32 -101 37 -139 11z\"\/><path d=\"M1163 3073 c-36 -7 -73 -59 -73 -102 0 -56 133 -378 171 -413 34 -32 83 -37 129 -13 70 36 67 87 -16 290 -86 209 -89 214 -129 231 -35 14 -42 15 -82 7z\"\/><path d=\"M3689 3066 c-15 -9 -33 -30 -42 -48 -48 -103 -147 -355 -147 -375 0 -98 131 -148 192 -74 13 15 57 108 97 206 80 196 84 226 37 273 -30 30 -99 39 -137 18z\"\/><path d=\"M583 2784 c-38 -19 -67 -74 -58 -113 9 -42 211 -354 242 -373 16 -10 45 -18 66 -18 51 0 107 52 107 100 0 39 -1 41 -124 234 -80 126 -108 162 -133 173 -41 17 -61 16 -100 -3z\"\/><path d=\"M4250 2784 c-14 -9 -74 -91 -133 -183 -95 -150 -107 -173 -107 -213 0 -55 33 -94 87 -104 67 -13 90 8 211 198 130 202 137 225 78 284 -27 27 -42 34 -72 34 -22 0 -50 -8 -64 -16z\"\/><path d=\"M2275 2693 c-553 -48 -1095 -270 -1585 -649 -135 -104 -459 -423 -483 -476 -23 -49 -22 -139 2 -186 73 -142 361 -457 571 -626 285 -228 642 -407 990 -497 242 -63 336 -73 660 -74 310 0 370 5 595 52 535 111 1045 392 1455 803 122 121 250 273 275 326 19 41 19 137 0 174 -41 79 -309 363 -465 492 -447 370 -946 591 -1479 653 -113 14 -422 18 -536 8z m395 -428 c171 -34 330 -124 456 -258 112 -119 167 -219 211 -378 27 -96 24 -300 -5 -401 -72 -255 -236 -447 -474 -557 -132 -62 -201 -76 -368 -76 -167 0 -236 14 -368 76 -213 98 -373 271 -451 485 -162 444 86 934 547 1084 153 49 292 57 452 25z m909 -232 c222 -123 408 -262 593 -441 76 -74 138 -139 138 -144 0 -16 -233 -242 -330 -319 -155 -123 -309 -223 -461 -299 l-81 -41 32 46 c18 26 49 83 70 128 143 306 141 649 -6 957 -25 52 -61 116 -79 142 l-34 47 45 -20 c26 -10 76 -36 113 -56z m-2057 25 c-40 -58 -105 -190 -130 -263 -110 -324 -59 -707 132 -981 25 -35 42 -64 37 -64 -19 0 -241 119 -326 174 -188 122 -406 314 -532 468 l-58 71 108 103 c185 178 428 349 672 473 66 33 121 60 123 61 2 0 -10 -19 -26 -42z\"\/><path d=\"M2375 1950 c-198 -44 -350 -190 -395 -379 -18 -76 -8 -221 19 -290 114 -284 457 -406 731 -260 98 52 188 154 231 260 27 69 37 214 19 290 -38 163 -166 304 -326 360 -67 23 -215 33 -279 19z\"\/><\/g><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/ianchadwick.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p><img decoding=\"async\" class=\"alignright\" src=\"https:\/\/media.cagle.com\/29\/2007\/08\/06\/40627_600.jpg\" alt=\"Aging infrastructure\" width=\"300\" \/>Tuesday, Council got a combined debt-and-budget presentation that set the stage for the upcoming, fuller 2014 budget deliberations starting next week. CAO John Brown gave us a recap of a report (<a href=\"https:\/\/www.collingwood.ca\/sites\/default\/files\/docs\/government\/assessment_of_the_town_of_collingwoods_financial_health_dec_2014.pdf\" target=\"_blank\" rel=\"noopener\">produced by BMA Management Consulting<\/a>) about the town&#8217;s debt situation and financial well-being. It was a mix of good news\/bad news.<\/p>\n<p>The good is that it&#8217;s not as bad as it seems, certainly not as bad as some other municipalities, but mostly in the middle of the peer group selected for the report. The bad is that it&#8217;s not as good as we&#8217;d like it to be. But barring a big tax increase to reduce the debt and funnel more into reserves, I don&#8217;t see how it could be a lot better.<\/p>\n<p>His report also included a comparison of Collingwood&#8217;s financial situation to six other municipalities:<\/p>\n<ul>\n<li><a title=\"Innisfil\" href=\"http:\/\/www.innisfil.ca\/\" target=\"_blank\" rel=\"noopener\">Innisifil<\/a> (pop. 34,310)<\/li>\n<li><a title=\"Prince Edward County\" href=\"http:\/\/www.pecounty.on.ca\/\" target=\"_blank\" rel=\"noopener\">Prince Edward County<\/a> (pop. 25,851)<\/li>\n<li><a title=\"orillia\" href=\"http:\/\/www.orillia.ca\/en\/\" target=\"_blank\" rel=\"noopener\">Orillia<\/a> (pop. 32, 427)<\/li>\n<li><a title=\"Owen Sound\" href=\"https:\/\/www.owensound.ca\/\" target=\"_blank\" rel=\"noopener\">Owen Sound<\/a> (pop. 22,226)<\/li>\n<li><a title=\"Springwater\" href=\"http:\/\/www.springwater.ca\/\" target=\"_blank\" rel=\"noopener\">Springwater<\/a> (pop. 18,842)<\/li>\n<li><a title=\"Wilmot\" href=\"http:\/\/www.wilmot.ca\/\" target=\"_blank\" rel=\"noopener\">Wilmot<\/a> (pop. 20,164)<\/li>\n<\/ul>\n<p>I have to wonder why several of these were chosen as comparators by the consultants. The majority are not at all like Collingwood:<\/p>\n<ul>\n<li><strong>Wilmot Township<\/strong>, according to its own website, is &#8220;&#8230;approximately 20,000 persons living in small towns, settlements, and on farms.&#8221;<\/li>\n<li><strong>Springwater Township<\/strong> &#8220;&#8230;consists of both urban and rural communities, with a population of over 18,000 people. There are nine settlement areas, with Midhurst and Elmvale being the largest with a population of 3100 and 1700 respectfully. Other settlement areas include Snow Valley, Centre Vespra, Minesing, Anten Mills, Phelpston, Orr Lake and Hillsdale.&#8221;<\/li>\n<li><strong>Prince Edward County<\/strong> is similarly not one urban centre, but <a title=\"Prince Edward County\" href=\"http:\/\/www.pecounty.on.ca\/county_overview\/index.php\" target=\"_blank\" rel=\"noopener\">a collection of small, rural communities<\/a>, the largest of which is under 5,500 population.<\/li>\n<li><strong>Innisfil<\/strong> is similar: small communities, some bedroom residential development close to Barrie, but mostly rural. Cookstown, one of the largest centres, has a population of about 2,000.<\/li>\n<\/ul>\n<p>Only Orillia and Owen Sound are similar, small urban centres. Why would we not compare ourselves to <a title=\"Midland\" href=\"http:\/\/www.midland.ca\/\" target=\"_blank\" rel=\"noopener\">Midland<\/a> or <a title=\"Wasaga Beach\" href=\"http:\/\/www.wasagabeach.com\/\" target=\"_blank\" rel=\"noopener\">Wasaga Beach<\/a>? Brockville? Uxbridge? Huntsville? Orangeville? Surely these small urban centres would provide more of the apples-to-apples comparisons.<\/p>\n<p>I&#8217;d also like to have seen such data as how \u00a0many employees are on the municipal payrolls in each; if they have their own or use OPP police service (and how much their police and fire budgets were &#8211; our services for 2014 will consume 22%, or $6.1 million, for policing, and 16%, or $4.4 million, for fire: more than a third of our budget in the combined costs).<\/p>\n<p>I&#8217;d like to know their total budget, including operations, capital, how many buses they run, and so on. What are they spending their money on and why? What reserves do they have, what assets? Municipal finance isn&#8217;t so simple it can be reduced to a few lines.<\/p>\n<p>Rural communities have very different needs, infrastructure demands, growth issues, etc. that make it difficult to adequately compare them to Collingwood.<\/p>\n<p>We are also a combined retirement and tourist destination centre, which creates different sorts of challenges for services and infrastructure. Our percentage of people 65 and older is about 23% &#8211; much higher than the provincial average of 14.6%, and our percentage of people under the age of 55 is lower than the provincial average. That has implications for housing, employers, services, and commercial and industrial growth.<\/p>\n<p>On page 8 of the report, it notes that the average percentage of farmland by assessment value in our comparators was 5.2%, while the amount is only 0.1% in Collingwood. But if you look at the maps, the actual, physical amount of farmland in those four &#8220;peers&#8221; significantly dwarfs the whole area of the Town of Collingwood. Farmland is the lowest on the assessment ladder, so having less is good for potential tax revenue.<\/p>\n<p>We also have a higher percentage of commercial and industrial assessment, which is equally good for tax revenue.<\/p>\n<p>What we never learned from the report was how much money had any of them invested in major infrastructure projects or municipal facilities over the past decade or more. Collingwood has had an ongoing infrastructure upgrade and replacement program, as reflected by the projects paid for by debentures. Plus we have a fairly modern museum, a new municipal building (library and planning services), a new fire station, upgraded police station, new parks, new recreational facilities, new trails, new works building, an airport, a harbour and a comprehensive municipal transit system. Not many municipalities can boast all of that.<\/p>\n<p>Our CAO explained that debt wasn&#8217;t all bad &#8211; debt means you are building, upgrading and maintaining infrastructure, erecting new facilities. We maintain our infrastructure constantly else face higher costs when it fails.\u00a0Debt isn&#8217;t operational: it&#8217;s used for capital projects.<\/p>\n<p>But, the CAO cautioned, it&#8217;s important to manage that debt wisely. Which this council has been doing. And, he said, we can&#8217;t continue the status quo; we don&#8217;t want to push our debt capacity to its limit.<\/p>\n<p>First, of course, we have to manage our spending. The initial overview of the budget has a projected 2.1% increase (about $67 per average household). However, in light of the CAO&#8217;s sobering presentation, I would not be surprised if department heads were told to come back with lower budgets, even in the negative area. I will certainly argue for a lower amount in many areas.<\/p>\n<p>Personally, I&#8217;d rather see an overall increase in taxes no more than 1.2%, but even better would be a small reduction, say -1% or even -2%.<\/p>\n<p>Of course, it may mean a reduction of non-essential service in some areas. You cannot continue to provide certain levels of service without paying for them &#8211; and costs always increase. Utility costs, inflation, fuel costs, food, wages, benefit costs, materials &#8211; they all go up. So to maintain even a zero-increase-based budget, you need to cut something or someone. Essential services won&#8217;t be affected.<\/p>\n<p>Therein lies the rub. Quality of life is measured by some of those services. Taxpayers pay for a good life &#8211; and we do have a good life here in Collingwood. So what, if anything, are they willing to forego in order to avoid any increase? Or would they rather pay a little more to retain these services?<\/p>\n<p>What can council or staff find in the budget that is non-essential and can be removed or reduced without affecting that perceived quality of life?\u00a0\u00a0We need to find more opportunities for shared and contracted services.<\/p>\n<p><!--more--><\/p>\n<p><strong>Then there&#8217;s the debt itself, always an uncomfortable thing to raise. <\/strong>No one likes to be in debt. But sometimes you get there because the advantages of doing so outweigh the disadvantages. Like agreeing to fund infrastructure projects when you are offered equal or greater funding from other levels of government (getting 66-cent or even 33-cent dollars on a big project is too good to ignore). Or, like with our new fire station, you really don&#8217;t have an option unless you want to face legal action to comply with certain provincial regulations.<\/p>\n<p>The CAO&#8217;s report stated our debt plus &#8220;items committed&#8221; was &#8220;approximately $44.2 million&#8221; at the end of 2013. That&#8217;s <em>incorrect and out of date.<\/em><\/p>\n<p>This figure apparently includes potential, but unapproved debentures (which, even if approved, may not be added to the debt this term), but did not, apparently, include any amounts paid over 2013 against existing debentures.<\/p>\n<p>The actual amount of outstanding debt is<em> considerably<\/em> less. This error was mentioned during the meeting by members of council and the deputy mayor.<\/p>\n<p>Let&#8217;s first look at the history of the debt. The previous council that was elected in 2006 inherited a debt under $19 million. By the end of its term, the amount outstanding as of December 31, 2010 was almost two-and-a-half times that: $45,517,436. That&#8217;s an increase of more than $27 million.<\/p>\n<p>The current council, elected in 2010, has repaid the following amounts:<\/p>\n<ul>\n<li><strong>2011<\/strong> $3,831,089<\/li>\n<li><strong>2012<\/strong> $3,723,990<\/li>\n<li><strong>2013<\/strong> $3,812,580<\/li>\n<li><strong>Total<\/strong> <span style=\"color: #ff0000;\"><strong>$11,367,659<\/strong><\/span><\/li>\n<\/ul>\n<p>That means the $45,517,436 debt this council inherited, minus the repayments of $11,367,659 (almost 25% of the debt!), leaves a total of $34,149,777 for that outstanding amount, at the end of 2013.<\/p>\n<p>This council had to debenture a sewer rehabilitation project that had been initiated in 2009-2010. It was roughly 60% complete when this council came to office. The remaining debenture for that project was $2,252,500.<\/p>\n<p>According to the Treasurer&#8217;s budget document, presented to Council on Tuesday (page 2-15), the outstanding debenture (debt) on January 1, 2014, was <strong>$36,151,020,<\/strong> or roughly $8 million less than what the CAO&#8217;s report erroneously stated.<\/p>\n<p>Of that, $21 million is tax-supported, and $15.15 million will come from other sources &#8211; sewer and water rate charges, for example.<\/p>\n<p>We will issue new debentures in 2014 for projects that were initiated and completed previously during this term of office, including:<\/p>\n<ul>\n<li>Raglan Street North: $1,500,000<\/li>\n<li>New Fire Station: $3,300,000<\/li>\n<\/ul>\n<p>Payments made in 2014 will total $3,207,069. That will leave an outstanding debt balance at the end of this term of <strong>$37,743,951<\/strong> (Budget: page 2-15).<\/p>\n<p>Which means that, even including these projects, the debt will have been <strong><em>reduced<\/em><\/strong> by $7,773,485 this term.<\/p>\n<p>So in brief: the previous council increased the debt roughly 236%. This council decreased it approximately 17% &#8211; without significant tax increases, yet still maintaining services, and infrastructure.<\/p>\n<p>So it&#8217;s not all doom and gloom; we just need to continue to watch our spending carefully. We will also continue our practice of prudent debt reduction and reserve building without adding significantly to the tax burden.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_7956\" class=\"pvc_stats all  \" data-element-id=\"7956\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.0\" viewBox=\"0 0 502 315\" preserveAspectRatio=\"xMidYMid meet\"><g transform=\"translate(0,332) scale(0.1,-0.1)\" fill=\"\" stroke=\"none\"><path d=\"M2394 3279 l-29 -30 -3 -207 c-2 -182 0 -211 15 -242 39 -76 157 -76 196 0 15 31 17 60 15 243 l-3 209 -33 29 c-26 23 -41 29 -80 29 -41 0 -53 -5 -78 -31z\"\/><path d=\"M3085 3251 c-45 -19 -58 -50 -96 -229 -47 -217 -49 -260 -13 -295 52 -53 146 -42 177 20 16 31 87 366 87 410 0 70 -86 122 -155 94z\"\/><path d=\"M1751 3234 c-13 -9 -29 -31 -37 -50 -12 -29 -10 -49 21 -204 19 -94 39 -189 45 -210 14 -50 54 -80 110 -80 34 0 48 6 76 34 21 21 34 44 34 59 0 14 -18 113 -40 219 -37 178 -43 195 -70 221 -36 32 -101 37 -139 11z\"\/><path d=\"M1163 3073 c-36 -7 -73 -59 -73 -102 0 -56 133 -378 171 -413 34 -32 83 -37 129 -13 70 36 67 87 -16 290 -86 209 -89 214 -129 231 -35 14 -42 15 -82 7z\"\/><path d=\"M3689 3066 c-15 -9 -33 -30 -42 -48 -48 -103 -147 -355 -147 -375 0 -98 131 -148 192 -74 13 15 57 108 97 206 80 196 84 226 37 273 -30 30 -99 39 -137 18z\"\/><path d=\"M583 2784 c-38 -19 -67 -74 -58 -113 9 -42 211 -354 242 -373 16 -10 45 -18 66 -18 51 0 107 52 107 100 0 39 -1 41 -124 234 -80 126 -108 162 -133 173 -41 17 -61 16 -100 -3z\"\/><path d=\"M4250 2784 c-14 -9 -74 -91 -133 -183 -95 -150 -107 -173 -107 -213 0 -55 33 -94 87 -104 67 -13 90 8 211 198 130 202 137 225 78 284 -27 27 -42 34 -72 34 -22 0 -50 -8 -64 -16z\"\/><path d=\"M2275 2693 c-553 -48 -1095 -270 -1585 -649 -135 -104 -459 -423 -483 -476 -23 -49 -22 -139 2 -186 73 -142 361 -457 571 -626 285 -228 642 -407 990 -497 242 -63 336 -73 660 -74 310 0 370 5 595 52 535 111 1045 392 1455 803 122 121 250 273 275 326 19 41 19 137 0 174 -41 79 -309 363 -465 492 -447 370 -946 591 -1479 653 -113 14 -422 18 -536 8z m395 -428 c171 -34 330 -124 456 -258 112 -119 167 -219 211 -378 27 -96 24 -300 -5 -401 -72 -255 -236 -447 -474 -557 -132 -62 -201 -76 -368 -76 -167 0 -236 14 -368 76 -213 98 -373 271 -451 485 -162 444 86 934 547 1084 153 49 292 57 452 25z m909 -232 c222 -123 408 -262 593 -441 76 -74 138 -139 138 -144 0 -16 -233 -242 -330 -319 -155 -123 -309 -223 -461 -299 l-81 -41 32 46 c18 26 49 83 70 128 143 306 141 649 -6 957 -25 52 -61 116 -79 142 l-34 47 45 -20 c26 -10 76 -36 113 -56z m-2057 25 c-40 -58 -105 -190 -130 -263 -110 -324 -59 -707 132 -981 25 -35 42 -64 37 -64 -19 0 -241 119 -326 174 -188 122 -406 314 -532 468 l-58 71 108 103 c185 178 428 349 672 473 66 33 121 60 123 61 2 0 -10 -19 -26 -42z\"\/><path d=\"M2375 1950 c-198 -44 -350 -190 -395 -379 -18 -76 -8 -221 19 -290 114 -284 457 -406 731 -260 98 52 188 154 231 260 27 69 37 214 19 290 -38 163 -166 304 -326 360 -67 23 -215 33 -279 19z\"\/><\/g><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/ianchadwick.com\/blog\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p>Tuesday, Council got a combined debt-and-budget presentation that set the stage for the upcoming, fuller 2014 budget deliberations starting next week. CAO John Brown gave us a recap of a report (produced by BMA Management Consulting) about the town&#8217;s debt situation and financial well-being. It was a mix of good news\/bad news. The good is that it&#8217;s not as bad as it seems, certainly not as bad as some other municipalities, but mostly in the middle of the peer group selected for the report. The bad is that it&#8217;s not as good as we&#8217;d like it to be. But barring \u2026&#8230;&#8230; click below for more \u2193<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[4,10],"tags":[618,140,39,81],"class_list":["post-7956","post","type-post","status-publish","format-standard","hentry","category-collingwood","category-municipal-politics","tag-collingwood","tag-council","tag-municipal-politics-2","tag-ontario"],"a3_pvc":{"activated":true,"total_views":6189,"today_views":0},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/posts\/7956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/comments?post=7956"}],"version-history":[{"count":15,"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/posts\/7956\/revisions"}],"predecessor-version":[{"id":30641,"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/posts\/7956\/revisions\/30641"}],"wp:attachment":[{"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/media?parent=7956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/categories?post=7956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ianchadwick.com\/blog\/wp-json\/wp\/v2\/tags?post=7956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}