(Community Matters) after MPR meetings, drove to Fredericksburg for a night with very dear friends, Joe Cloud & John Wallace.  Joe owns and operates several hospitality businesses (including several B&Bs) and is president of the Fredericksburg Hospitality Association. John’s president of JP Morgan Chase in Fredericksburg and in charge of middle market, business and retail lending from Austin to El Paso to the Valley.  Good gosh, I’ve now known John for almost 30 years and Joe since they first started dating 20 years ago.

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