10-16-95 agendaCITY OF RICHFIELD, MINNESOTA
MONDAY, OCTOBER 16, 1995
SPECIAL HOUSING. AND REDEVELOPMENT AUTHORITY MEETING
COUNCIL CHAMBERS
6:00 P.M.
CALL TO ORDER
MEETING OF THE HRA WITH THE RICHFIELD APARTMENT MANAGERS
ASSOCIATION (RAMA)
HRA LETTER NO. 62
ADJOURNMENT
REGULAR HOUSING AND REDEVELOPMENT AUTHORITY MEETING
COUNCIL CHAMBERS
7:00 P.M.
AGENDA
CALL TO.ORDER
APPROVAL OF MINUTES OF SPECIAL HRA MEETING OF OCTOBER 9, 1995
1. OATH OF OFFICE TO HRA COMMISSIONER VERN LUETTINGER
2. OPPORTUNITY FOR CITIZENS TO ADDRESS THE HRA ON ITEMS NOT ON
THE AGENDA
3. CONSIDERATION OF RESOLUTION RELATING TO ISSUANCE OF
COMPLETION CERTIFICATES FOR RICHFIELD REDISCOVERED
PROPERTIES:
• 7429 DUPONT AVENUE
• 6926 CHICAGO AVENUE
• 7412 FOURTH AVENUE
• 7416 FOURTH AVENUE
• 2819 WEST 70-1/2 STREET
HRA LETTER NO. 63
4. CONSIDERATION OF RESOLUTION AUTHORIZING PURCHASE OF 6320
OLIVER AND 6432-15TH AVENUES WITH NEW HOME PROGRAM/CDBG
FUNDS
HRA LETTER NO. 64
5. PUBLIC HEARING AND CONSIDERATION OF RESOLUTION AUTHORIZING
SALE OF 7021 NICOLLET AVENUE AND 7537 GIRARD AVENUE
HRA LETTER N0. 65
6. CONSIDERATION OF CANCELLATION OF PUBLIC HEARING FOR SALE OF
6933 QUEEN AVENUE AND CONTINUATION OF PUBLIC HEARING ON 7200
-THIRD AVENUE TO NOVEMBER MEETING
HRA LETTER NO. 66
7. CONSIDERATION OF COOPERATION WITH METROPOLITAN COUNCIL AND
CITY COUNCIL TO PARTICIPATE IN METROPOLITAN LIVABLE COMMUNITY
ACT PROGRAMS
HRA LETTER NO. 67
8. EXECUTIVE DIRECTOR REPORT
9. CLAIMS AND PAYROLL
ADJOURNMENT
Auxiliary aids for individuals with disabilities are available upon request.
Requests must be made at least 96 hours in advance to the Administrative
Services Director at 861-9702.
HOUSING AND REDEVELOPMENT AUTHORITY
HRA Letter No. 6~
Agenda October 16, 1995
Issue Statement:
Work in cooperation with the Metropolitan Council and City Council to participate in
"Metropolitan Livable Community Act" programs.
Background:
The Minnesota Legislature created the "Metropolitan Livable Communities Act" in June,
1995. The Act designates the Metropolitan Council to develop an improved regional
framework for:
• housing revitalization and redevelopment;
• affordable and lifecycle housing;
• greater financial support for pollution clean-up.
If Richfield chooses to participate in the program, access is provided on a competitive
basis to three funds starting in 1996:
1. The Livable Communities Demonstration Account provides approximately $4 million
annually as grants and loans-. A greater diversity in housing stock and improved
transit and job access to that housing is a priority.
2. The Tax Base Revitalization Account provides approximately $6.5 million annually
as grants to cleanup polluted sites.
3. The Local Housing Incentives Account provides $1 million annually as grants to help
communities achieve locally developed housing goals.
The Metropolitan Council finds Richfield to be a very affordable place to live. The
Metropolitan Council seeks numerical goals in Richfield that:
• Continue to emphasize single family market rate new construction and remodeling.
• Create a greater variety of apartment choices.
• Provide affordable housing opportunities such as Vo-Tech or Habitat.
Thus, the goals that are developed will be consistent with HRA programs already
underway.
Recommended Motion:
Recommend to the City Council that Richfield elect to participate in the Local Housing
Incentive Account Program by November 15, 1995. Further, the HRA requests the
Council to authorize the HRA to formulate housing goals by January 15, 1996 and
prepare an action plan to meet those goals by June 30, 1996.
Basis of Recommendation:
1. The HRA is an advisor to the City Council concerning housing policies. It is
appropriate for the HRA to formulate a position and present it to the City Council
as a recommendation.
2. The Metropolitan Livable Communities Act requires a city to take an action to
participate or not. A sample resolution which the City Council must act on is
attached.
3. Richfield participation provides greater access to state resources than not
participating.
4. Participation is based on locally decided goals, plans, and programs.
Alternative Recommendation:
Take no action. In effect, Richfield chooses not to participate in the Livable
Communities Act programs.
Discussion/Decision Mode:
If the HRA recommends participation and the City Council concurs:
The Metropolitan Council must be notified of Richfield's intent by November 15,
1995.
2. By January 15, 1996, housing goals must be finalized with the Metropolitan Council.
Staff would recommend goals.
3. By June 30, 1996, an action plan would be developed in support of achieving the
goals.
Respectf Ily submitted,
Jame rosser
Execu ' Director
JDP:cak
~V
~O
CALENDAR YEAR 1996
WHEREAS, the Metropolitan Livable Communities Act (1995 Minnesota Laws Chapter 255) establishes a Metropolitan
Livable Communities Fund which is intended to address housing and other development issues facing the metropolitan azea
defined by Minnesota Statutes section 473.121; and
WHEREAS, the Metropolitan Livable Communities Fund, comprising the Tax Base Revitalization Account, the Livable
Communities Demonstration Account and the Local Housing Incentives Account, is intended to provide certain funding and
other assistance to metropolitan azea municipalities; and
WHEREAS, a metropolitan azea municipality is not eligible to receive grants or loans under the Metropolitan Livable
Communities Fund or eligible to receive certain polluted sites cleanup finding from the Minnesota Department of Trade and
Economic Development unless the municipality is participating in the Local Housing Incentives Account Program under
Minnesota Statutes section 473.254; and
WHEREAS, the Metropolitan Livable Communities Act requires the Metropolitan Council to negotiate with each munici-
pality to establish affordable and life-cycle housing goals for that municipality that are consistent with and promote the
policies of the Metropolitan Council as provided in the adopted Metropolitan Development Guide; and
WHEREAS, by June 30, 1996, each municipality must identify to the Metropolitan Council the actions the municipality
plans to take to meet the established housing goals; and-
WHEREAS, the Metropolitan Council must adopt, by resolution after a public hearing, the negotiated affordable and life-
cycle housing goals for each municipality by January 15, 1996; and
WHEREAS, a metropolitan azea municipality which elects to participate in the Local Housing Incentives Account Fro-
gram must do so by November 15 of each year; and
WHEREAS, for calendaz yeaz 1996, a metropolitan azea municipality can participate under Minnesota Statutes section
473.254 only if: (a) the municipality elects to participate in the Local Housing Incentives Account Program by November
15,1995; (b) the Metropolitan Council and the municipality successfully negotiate affordable and life-cycle housing goals
for the municipality; and (c) by January 15, 1996 the Metropolitan Council adopts by resolution the negotiated affordable
and life-cycle housing goals for each municipality;
NOW, THEREFORE, BE IT RESOLVED THAT the [specific municipality] hereby elects to participate in the Local
Housing Incentives Program under the Metropolitan Livable Communities Act during calendaz yeaz 1996.
By:
Mayor
~~~1
^
RESOLUTION NO.
RESOLUTION ELECTING TO PARTICIPATE IN
THE LOCAL HOUSING INCENTIVES ACCOUNT PROGRAM
UNDER THE METROPOLITAN LIVABLE COMMUNITIES ACT
By:
Clerk
HOUSING AND REDEVELOPMENT AUTHORITY
HRA Letter No. 66
Agenda October 16, 1995
Issue Statement:
Cancellation of public hearing for the sale of 6933 Queen Avenue; continuation of
public hearing on 7200 Third Avenue to the November meeting.
Background:
In June 1995, the HRA authorized the purchase of 6933 Queen Avenue. This is a
substandard property which the owner used as rental property. The owner has
withdrawn his offer to sell to explore other market options.
In August 1995, the HRA authorized the purchase of 7200 Third Avenue. A New Ford
Town buyer reserved the lot with a builder in mind. Recently, the buyer secured a
different builder and therefore requires additional time to finalize building plans with the
new builder.
Recommended Motion:
Cancel the public hearing for the sale of 6933 Queen Avenue. Continue the public
hearing for the sale of 7200 Third Avenue to the November 20 meeting.
Basis of Recommendation:
1. The HRA previously authorized the purchase of both properties.
2. The owner of 6933 Queen Avenue is not currently interested in selling the
property.
3. The buyers of 7200 Third Avenue require some time to develop building plans
with their selected builder.
4. Notice of public hearing was published in the Sun Current on September 27,
1995.
Alternative .Recommendation:
Proceed with public hearings; however, sale of the properties by the HRA is not
possible at this time.
Discussion/Decision Mode:
Staff will keep the option open to purchase 6933 Queen Avenue. Buyers of 7200 Third
Avenue are motivated to move ahead.
Respectf submitted,
James rosser
Executi a irector
JDP:cak
HOUSING AND REDEVELOPMENT AUTHORITY
HRA Letter No. 65
Agenda October 16, 1995
Issue Statement:
Public hearing and sale of 7021 Nicollet Avenue and 7537 Girard Avenue.
Background:
The construction project at 7021 Nicollet Avenue was authorized by the HRA in April
1994; the project at 7537 Girard was authorized in August 1994; both were cooperative
projects with Hennepin Technical College. The projects are completed and sales are
anticipated by the end of the year.
The selected buyer for the home on Nicollet is a three member, income-qualified family,
currently renting an apartment in Burnsville. The selected buyer for the home on Girard
is a six member family, currently renting a townhome in Edina. Both families meet the
requirements stated in Attachment A. HRA authorization and a public hearing
authorizing the sale of the properties are required prior to final processing.
Both homes are being sold for $105,000. Buyers are each making a down payment of
$4,500. They will apply for a mortgage in the amount of $85,500 (one FHA, one
conventional, respectively). The difference between the estimated market value and
the initial purchase price, $15,000, is provided by the HRA in the form of a second
mortgage. Project costs are covered by the buyers' down payment and first mortgages.
The second mortgage accomplishes the following:
1. Makes the initial purchase price affordable.
2. Prevents a speculative purchase in which the buyer might benefit from selling the
home quickly.
The HRA will .pay up to 2 points for mortgage discounting per property (approximately
$1,710). and the cost of title insurance (approximately $200) at closing. After closing,
the HTC contracts will be paid. These costs have been anticipated in-the budget and
will be paid from the proceeds of sale.
If during final processing the families are found ineligible by the lender, the purchase
agreements are void and earnest money will be released. At this time however, the
lender has qualified the purchasers through the preliminary processing.
The HRA had an opportunity to inspect the completed work during an open house that
was held August 21, 1995.
Recommended Motion:
It is recommended that following the public hearing, the HRA adopt the attached
resolution which authorizes the disposition of the HRA owned properties at 7021
Nicollet and 7537 Girard Avenues.
Basis of Recommendation:
1. Two qualified families have been identified as purchasers and meet program
requirements.
2. Purchase agreements cannot be processed further by the lender without HRA
authorization of sale.
3. A public hearing notice has been published in the Sun-Current which allows the
HRA to consider the sale at the October 16, 1995 meeting.
4. The Planning Commission has determined that the sale for residential purposes is
consistent with the Comprehensive Plan.
Alternative Recommendation:
Do not adopt the resolution. However, this would cause a delay in the sale of the
property, be confusing to the buyer, and would increase HRA holding costs.
Discussion/Decision Mode:
Authorization of the sale is required at the October 16, 1995 meeting so that the buyers
can finalize mortgage financing for a prompt closing.
Respectfully submitted,
irector
JDP:cak
HRA RESOLUTION NO.
RESOLUTION AUTHORIZING SALE OF REAL PROPERTY LOCATED AT 7021
NICOLLET AVENUE AND 7537 GIRARD AVENUE
WHEREAS, the Housing and Redevelopment Authority (HRA), owns certain real
property located at 7021 Nicollet Avenue, legally described as attached; and 7537
Girard Avenue, legally described as Lot 15, Block 19, Irwin Shores Addition; and
WHEREAS, the HRA acquired the property so that Hennepin Technical College
(HTC) could construct two new single family homes to be sold by the HRA to moderate
income families; and
WHEREAS, the Bright and Elrashidi families have been identified as qualified
purchasers for 7021 Nicollet and 7537 Girard Avenues, respectively; and
WHEREAS, the conditions of sale include a total sales price of $105,000 per
property; a first mortgage each of $85,500 payable to the lender; a lien of $15,000 per
property, payable to the HRA and $4,500 downpayment per property; and
WHEREAS, the sale of 7021 Nicollet and 7537 Girard Avenues may be
authorized by the HRA following a public hearing which considers the disposition of the
properties; and
WHEREAS, that hearing has been held following proper publication of notice.
NOW, THEREFORE, BE IT RESOLVED by the Housing and Redevelopment
Authority in and for the City of Richfield, Minnesota that the HRA Chairperson and
Executive Director are authorized to execute the Purchase Agreement and other
required documents so that the disposition of HRA owned properties at 7021 Nicollet
and 7537 Girard Avenues occurs as presented herein.
Adopted by the Housing and Redevelopment Authority in and for the City of
Richfield, Minnesota this 16th day of October, 1995.
Thomas E. Harms, Chair
ATTEST:
Vern Luettinger, Secretary
Legal Description
for
7021 Nicollet Avenue
The part of West 1/2 of the Northwest 1/4 of Northwest 1/4 of Northeast 1/4 of
Section 34, Township 28 North, Range 24 West of the 4th Principal Meridian described
as follows: Commencing at a point on the West line of West 1/2 of Northwest 1/4 of
Northwest 1/4 of Northeast 1/4 of said. section, township and range, distant 330.60 feet
South of the Northwest corner thereof, said point being in the center line of Nicollet
Avenue thence South along said West line 59.5 feet, thence East 166.38 feet to a point
389.96 feet South of North line of said Northwest 1/4 of Northeast 1/4; thence North
59.5 feet to a point which is 166.39 feet East of point of beginning; thence West to point
of beginning, according to the U.S. Government Survey thereof, Hennepin County,
Minnesota.
ATTACHMENT A
7021 NICOLLET AND 7537 GIRARD AVENUES
NEW HOME PROGRAM
ELIGIBILITY REQUIREMENTS
FOR
HOME BUYERS
• Have a 3 to 6 member family (a family is defined as persons related by blood,
marriage or operation of law).
• Be a first-time home buyer (or have not owned in 3 years).
• Have the following maximum annual income depending upon family size:
Family Size Maximum Income
3 $36,200
4 $40,200
5 $43,400
g $46,600
This income is 80% of the metropolitan area median income - an
accepted CDBG program income level.
• Have the ability to make monthly payments on a $85,500 mortgage, pay $4,500
down, and pay closing costs required of the buyer.
• Agree to be subject to a lien by the HRA for the difference between the initial sales
price and the actual value.
HOUSING AND REDEVELOPMENT AUTHORITY
HRA Letter No. 64
Agenda October 16, 1995
Issue Statement:
Authorization to acquire 6320 Oliver and 6432-15th Avenues with New Home
Program/CDBG funds.
Background:
The HRA utilizes the New Home Program to clear substandard, blighted housing and to
initiate first time home buying opportunities. It is proposed that CDBG funds be used to
purchase the properties listed above.
The property at 6320 Oliver Avenue was identified last year as a potential candidate for
purchase, but the owner changed his mind. The owner has since passed away and the
property is vacant. The heirs wish to sell. BCL Appraisals has valued it at $53,000.00.
The HRA has already authorized the purchase of 6432-15th Avenue in June 1995 for
$55,000. The property is owner-occupied. It is requested that CDBG funds be
available for the purchase to allow flexibility with a site that has characteristics which
may make it less desirable in the market.
Recommended Motion:
Authorize the Chairperson and Executive Director to enter into a purchase agreement
and take those actions necessary to acquire 6320 Oliver Avenue for $53,000 and 6432-
15th Avenue for $55,000 with CDBG funds.
Basis of Recommendation:
1. Both properties have been voluntarily offered for sale and meet voluntary
acquisition program requirements for condition and usage.
2. Both properties are uniquely suited to support affordable home initiatives. The
property at 6320 Oliver Avenue is 40'x126' (5,040 square feet). The property at
6432-15th Avenue is 48'x134' (6,439 square feet). The Richfield Rediscovered
market responds much more slowly to sites of this size.
3. CDBG funds are budgeted for these acquisitions.
4. Properties will be available for development initiatives in 1996. Development
proposals would be brought to the HRA at the appropriate time.
Alternative Recommendation:
Do not acquire the properties at this time with CDBG funds.
Discussion/Decision Mode:
With authorization at this time, completion of environmental clearances can occur,
allowing site acquisitions in November or December 1995.
Respectful) ubmitted,
James rosser
Executiv irector
JDP:cak
HRA RESOLUTION NO.
RESOLUTION AUTHORIZING THE ACQUISITION OF
6320 OLIVER AND 6432-15TH AVENUES
WHEREAS, the Housing and Redevelopment Authority in and for the City of
Richfield, Minnesota (HRA), acquires property and builds and rehabilitates structures
for residential purposes; and
WHEREAS, the HRA desires to acquire the real property at 6320 Oliver Avenue,
legally described as: Lot 7, Block 12, Ray's Lynnhurst Addition, based on an appraised
fair market value of $53,000; and
WHEREAS, the HRA desires to acquire the real property at 6432-15th Avenue,
legally described as: Lot 9, Block 2, Nokomis Gardens Rearrangement of Blocks 1, 2,
3, 4, and 5, Girard Parkview Addition, based on an appraised fair market value of
$55,000; and
WHEREAS, the owners of these properties have volunteered to sell in
accordance with New Home Program guidelines; and
WHEREAS, Community Development Block Grant (CDBG) funds will finance the
acquisition of these parcels; and
WHEREAS, the Planning Commission has made a finding that the acquisition
and disposition of these parcels for residential purposes is consistent with the
Comprehensive Plan; and
WHEREAS, the acquisitions are also contingent on CDBG procedures for an
environmental review.
NOW, THEREFORE, BE IT RESOLVED by the Housing .and Redevelopment
Authority in and for the City of Richfield, Minnesota, as follows:
The Executive Director is authorized to take those actions necessary to
acquire 6320 Oliver Avenue for $53,000 utilizing CDBG funds.
2. The Executive Director is authorized to take those actions necessary to
acquire 6432-15th Avenue for $55,000 utilizing CDBG funds.
3. The property acquisitions are contingent on CDBG acquisition procedures
for purchase.
Adopted by the Housing and Redevelopment Authority in and for the City of
Richfield, Minnesota this 16th day of October, 1995.
Thomas E. Harms, Chair
ATTEST:
Vern Luettinger, Secretary
HOUSING AND REDEVELOPMENT AUTHORITY
HRA Letter No. 63
Agenda October 16, 1995
Issue Statement:
Authorization to issue completion certificates to Marlin Grant Homes Inc. for Richfield
Rediscovered properties at 7429 Dupont, 6926 Chicago, 7412 Fourth and 7416 Fourth
Avenues; and Rock Port Homes for 2819 West 70 1/2 Street.
Background:
The HRA authorized development of the above referenced properties in 1995. The
development agreements provide for the issuance of a certificate of completion when
construction is completed. (A sample certificate is attached.) All homes have been
completed and occupied. The builders have requested the release of the letters of
credit and the completion certificates upon completion and closing. Staff is anticipating
this request and wants to respond in a timely manner upon verification of completion.
Recommended Motion:
Authorize the Chair and Executive Director to execute completion certificates in
accordance with the attached resolution.
Basis of Recommendation:
1. Construction has been completed and certificates of occupancy have been issued
by the Inspection Division.
2. The builders have performed in accordance with construction agreements and will
seek the issuance of completion certificates and the release of performance
security in the following amounts:
Builder
Marlin Grant Homes, Inc.
Marlin Grant Homes, Inc.
Marlin Grant Homes, Inc.
Marlin Grant Homes, Inc.
Rockport Homes Inc.
Property
Address
7429 Dupont
6926 Chicago
7412 Fourth
7416 Fourth
2819 W. 70 1 /2
Performance
Security Amount
$32,000
$24,500
$27,000
$29,000
$30,000
Alternative Recommendation:
Do not issue certificates of completion at this time.
Discussion/Decision Mode:
This matter will be presented at the October 16 HRA meeting.
Respectfully~submitted,
James
HRA RESOLUTION NO.
THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE
CITY OF RICHFIELD
RESOLUTION RELATING TO THE ISSUANCE
OF COMPLETION CERTIFICATES FOR RICHFIELD REDISCOVERED
PROPERTIES AT
7429 DUPONT, 6926 CHICAGO, 7412 FOURTH, 7416 FOURTH AVENUES
AND 2819 WEST 70 1/2 STREET
WHEREAS, in 1995, the Richfield Housing and Redevelopment Authority in and
for the City of Richfield, Minnesota (HRA) entered into contracts with Marlin Grant
Homes, Inc. and Rockport Homes, Inc. for the construction of single family homes; and
WHEREAS, the new home locations are as follows: 7429 Dupont, 6926
Chicago, 7412 Fourth, 7416 Fourth Avenues and 2819 West 70 1/2 Street and;
WHEREAS, the construction is completed at all properties; and
WHEREAS, performance security in the following amounts can be released to
Marlin Grant Homes, Inc.:
7429 Dupont Avenue - $32,000
6926 .Chicago Avenue - $24,500
7412 Fourth Avenue - $27,000
7416 Fourth Avenue - $29,000
WHEREAS, performance security in the amount of $30,000 can be released to
Rockport Homes, Inc.
NOW, THEREFORE, BE IT RESOLVED by the Richfield Housing and
Redevelopment Authority in and for the City of Richfield,
The completion certificates for 7429 Dupont, 6926 Chicago, 7412 Fourth, 7416
Fourth Avenues and 2819 West 70 1/2 Street can be issued.
2. The performance security can be released for all properties when the completion
certificates are issued.
Adopted by the Housing and Redevelopment Authority in and for the City of
Richfield., Minnesota this 16th day of October, 1995..
Thomas E. Harms, Chair
ATTEST:
Vern Luettinger, Secretary
EXHIBIT A
FORM OF CERTIFICATE OF COMPLETION
The undersigned hereby certifies that ,has fully
and completely complied with its obligations under Article IV of that document entitled
"Contract for Private Development", between the Housing and Redevelopment Authority
in and for the City of Richfield, Minnesota
dated .filed as Document
No. with respect to construction of the approved construction
plans and its released and forever discharged from its obligations to construct under
such above referenced Article.
DATED:
THE HOUSING AND REDEVELOPMENT AUTHORITY
IN AND FOR THE CITY OF RICHFIELD
BY
Its Chairperson
BY
Its Chairperson
STATE OF MINNESOTA )
)SS
COUNTY OF HENNEPIN )
The foregoing instrument was acknowledged before me this day of
1995, by and Director of The
Housing and Redevelopment Authority in and for the City of Richfield, a public body
corporate and politic under the laws of the State of Minnesota on behalf of the public
body corporate and politic.
Notary Public
This instrument was drafted by:
Holmes & Graven, Chartered
470 Pillsbury Center
Minneapolis, MN 55402
HOUSING AND REDEVELOPMENT AUTHORITY
HRA Letter No. 62
Agenda October 16, 1995
Issue Statement:
Meeting of the HRA with the Executive Committee of Richfield Apartment Managers
Association (RAMA).
Background:
At the August meeting, the HRA expressed a desire to meet with the Executive
Committee to discuss items of mutual interest prior to the regular starting time of an
HRA meeting.
Executive Committee Members include:
CHAIR
Arlene Dixon
PROPERTY MANAGEMENT COMMITTEE PUBLIC SAFETY
Andy Akins Ruby Steele
Kim Otness Harper Lea
OUTREACH CONSULTANTS
Prudence Meyer Laura Klein
Bill Schatzlein
Recommended Motion:
Meet with the Executive Committee and discuss issues of mutual interest. Issues which
may be discussed could include:
a) Status of the Sage property.
b) The beginning and future of RAMA.
c) RAMA sponsorship of apartment owner/manager sub-area meetings.
Basis of Recommendation:
The items of mutual interest would be appropriate for a first meeting.
Alternative Recommendation:
Include additional items for discussion.
Discussion/Decision Mode:
Food will be served during the meeting as it is scheduled for the supper hour.
Respectfully submitted,
James D. rosser
Executi Director
JDP:cak