We’re about creating a stronger, more vibrant community, by bringing together the private sector, the voluntary sector and aspiring entrepreneurs. It’s about being a space unlike any other space that currently exists within the St. Margaret’s Bay area.
The St. Margaret’s Bay Community Enterprise Centre (SMB CEC) is a facility where local volunteer groups and businesses can come together to work and share community projects, experiences, resources, and knowledge. It’s a place for everyone to work together to help businesses and community groups improve life for everyone in the St. Margaret’s Bay area.
It all started back in November 2014, after a very well-attended ONE St. Margaret’s Bay community meeting, organized by the St. Margaret’s Bay Stewardship Association. At the meeting, it was agreed by various community groups and development agencies that there was a great need for a physical location to provide a local hub for meeting, working, sharing, supporting, and inspiring.
That needs were outlined and identified:
• Somewhere for drop-in conversation, socializing and networking;
• A permanent location for the Seniors Association of St. Margaret’s Bay and other not-for-profit members;
• Serviced office and meeting spaces, staffed by volunteers from the location’s partners;
• Resources for social enterprises and entrepreneurs;
• Space to deliver training programs for local volunteer groups and businesses;
• Somewhere that would help with and facilitate accessing grants and other funding, including ; allowing for the delivery of government services in the area.
And so, the Community Enterprise Centre was born.
We invite anyone who wishes to be part of the CEC community and help build on what has already been created to get in touch with us by email at firstname.lastname@example.org, by calling us at 902 826 1680, or by stopping by during our regular hours, 9 am to 4 pm, weekdays.
An active and mutually supportive community of people who access and use all the resources they need to succeed.
The St. Margaret’s Bay Community Enterprise Centre provides a common interactive forum for local not-for-profit and business interests to support social and commercial entrepreneurship within our community.
The St.Margaret’s Bay Community Enterprise Centre is a place where collaboration, communication, and mutual support are key to our success.
In working together as a team, we adhere to the following core values or guiding principles:
Integrity – We conduct our affairs with a high degree of moral and ethical standards.
Teamwork – We work together with a collaborative spirit, open communication and mutual support.
Respect – We seek to hear, understand, recognize, and respect diverse opinions, even if they are different from ours.
Keith’s business experience commenced in broadcasting and journalism, later turning to the professional business field that included 15 years with Empire Company and its affiliates. Keith held positions in shopping centre management, preparing budgets, tenant build-outs, leasing and marketing in the field, and then at Empire Head Office in Stellarton, Nova Scotia. He was the Director of Real Estate directly responsible for a 10-million square foot portfolio of retail, office and industrial space throughout Atlantic Canada. His work with Empire then took him to Newfoundland, where he was in charge of an aggressive program of constructing new office and retail space with a staff of 40 employees from 1979 to 1985.
In 1985 he pursued a new opportunity in a more diversified field of third-party property management with O & Y Properties Inc. Halifax, a company with over 8-million square feet of property under property management. This included the redevelopment and leasing of the Antigonish Mall, Sunnyside Mall, Northwest Centre (Moncton) and the Bayers Road Centre.
Keith took early retirement in 2001 to set up his own firm, Keith R. Ayling Lease Consulting Services. He has been recognized in the Nova Scotia House of Assembly for his connections to community and his work on various boards and committees. (Resolutions No. 1119 & 1216). He is the current President of the St. Margaret’s Bay Chamber of Commerce previously serving for a number of years as the group’s secretary.
For as long as she can remember, Beverly, a native Nova Scotian with proud Bermudian and Danish roots through lived experience, has been one to help others. The eldest of four girls, she recognized from a young age the importance of supporting and helping others. Her grandfather was born without sight and was instrumental helping those blinded in the Halifax explosion. Hearing the stories of the generous, community-minded man she was named after undoubtedly influenced her passion for volunteering and helping others, be it in their final days of life as a volunteer in a palliative care unit, or helping shape the futures of young female leaders through the Girl Guides of Canada.
Witnessing the positive difference, she and others at the Seniors Association of St. Margaret’s Bay make when helping their friends and neighbours is what keeps her coming back. Fiercely independent herself, she recognizes the value of creating a sense of community and trusted support that enables other seniors in the St. Margaret’s Bay area to live independently in the community they so love.
Throughout her life as a proud Mum of two and Mormor/Farmor of four, and her career as an assistant, hostess and business owner, Beverly has spent her life quietly helping others.
Gwen helped found GPI Atlantic with her husband, Ron Colman, in 1997. Recently, Gwen founded the Share the Earth program, which trains young cultural facilitators to work on projects around social inclusion, Truth and Reconciliation, and environmental stewardship. Gwen has a passion for working with youth, and has trained and sent about 100 Canadian youth for transformative international volunteer experiences. She serves on the Boards of the SMB Community Enterprise Centre and the Bay Treasure Chest Association, and has served on the Canadian Council on Social Determinants of Health.
Currently, she is also involved with creation of the Canadian Wellbeing Alliance. Previous to her work with GPI Atlantic, Gwen volunteered as youth coordinator for the Shambhala Centre of St. Margarets Bay, and coached a youth debate team while also running a youth writers group. She has a background in journalism and technical documentation projects, including the largest Environmental Impact Statement in North America, for Lavalin, IBM, and the Solar Energy Research Institute.
Fred is a graduate of a Food and Biochemistry diploma from Ryerson Polytechnic, followed by four years in Quality Control and Product Development with Aylmer/Del Monte. Then life presented a fortuitous marriage to Elizabeth Anne (Betty) MacLean, RN, from Moncton, followed by attendance at McMaster University for a BComm(Hons)
Fred had a long career with Farmers Cooperative Dairy, ending as vice-president of operations, followed by a year as general manager of a Nova Scotia seafood company, processing offshore surf clams for the Japanese sushi market. His last professional sojourn was as general manager for a modern dairy processing company, Dairytown Products Ltd.
His volunteering career started after an early retirement. Working with wonderful people, he helped start up the Seniors Association of St. Margaret’s Bay, BayRides, the Bay Treasure Chest, and the SMB Community Enterprise Centre. Fred says, “It must be the Type A personality!”
Fred notes, “It has been thoroughly gratifying to watch new volunteers come forward and carry these and other community groups into new adventures and wider community service. The St. Margaret’s Bay community is blessed with so many people who offer life skills and friendships.”
With their family spread across the rest of Canada and his kids and grandkids living in Ontario, Fred considers his volunteer friends truly his Nova Scotia family. When he sees volunteer friends do things well and hears his dear wife Betty reminding him of appointments or duties he might otherwise forget, he realizes how well others are keeping the flames alive.
Sharon Jessup Joyce
Sharon brings 40 years of experience as a writer, editor, college teacher, academic coach, and special events manager in the worlds of publishing, research, health care, education, and the nonprofit sector. She serves diverse clients through her business, Hedgehog Writing & Editing.
A volunteer since the age of 13, Sharon says volunteering has given her opportunities to build skills, serve her community, make friends, and even meet her husband, Bob. Her experience for 18 years as a senior staff person for a national charity constantly demonstrated for her the incredible value volunteers add. She says she got involved with the CEC in 2018 because, “someone invited me to help; it was that simple.”
Sharon and Bob bought their dream property on St. Margaret’s Bay in 2012. Moving here in 2014, while Bob continued to work in Ontario, Sharon got involved in her new community. Volunteering with the CEC has led to many other wonderful volunteer and professional opportunities, as well as cherished friendships. She says, “Volunteering here gives me so much more than I could ever give back in return.”
Sharon and Bob, parents of four adult children, now both live full-time in Hackett’s Cove with one of their sons, a graduate student, and five rescue pets. They enjoy reading, hiking, volunteering, visits from family and friends, and vacuuming up pet hair.
A seasoned economic development practitioner, Paul now leads the Strategic Initiatives portfolio for Ulnooweg Development Group, the Atlantic Canada Indigenous development agency.
Under Paul’s guidance, Ulnooweg has strengthened relations with wide variety of government and industry associations. Paul engages regularly with ACC, ACADA, APEC, and others, along with academic institutions.
In addition to serving on the St. Margaret’s Bay Community Enterprise Centre, Paul also serves on the board of the Digby Harbour Port Authority, Mapannapolis, and is a member of the Digby Area Board of Trade and the broader Annapolis Valley Chamber of Commerce. Paul was recently appointed to the board of the Atlantic Chamber of Commerce, where he also sits on their Provincial Policy Committee for Nova Scotia. Paul has, on invitation, participated in several national round tables, covering a wide range of business and government issues.
With a career spanning over 20 years in communications and marketing in both the private and public sectors, Paula brings to the CEC board of directors a well-rounded scope of experience, and a passion for building strong relationships. Cutting her teeth in print publishing, she developed a passion for helping businesses achieve their goals. Fast forward to the digital era and, suddenly, a reinvention took place, beginning with community building through economic development and event management. The combination of strategic planning combined with initiative that produces tangible results is the key to what drives Paula.
As the Senior Manager of Engagement and Communications at CEED (the Centre for Entrepreneurship Education and Development), Paula is excited to combine her business acumen, love of entrepreneurship and communication skills to help the CEC achieve its goals.
Paula enjoys volunteering her time and is an active member of the Canadian Veterans Group. When she isn’t working, you will find her enjoying time with friends and with her partner, Dave, on their motorcycles.
Audrey is a true Maritimer at heart. Originally from Halifax, Audrey spent a short time living in Newfoundland as a young girl, returning to Timberlea, Nova Scotia for schooling. After attending Mount Allison University in New Brunswick to study her childhood interests of health and science, Audrey found herself engaged in a health-care career in southern Ontario for 20 years. With the East Coast constantly tugging at her heartstrings, she eventually moved home in 2010, married her high-school sweetheart, and settled in Hubley. She is currently pursuing her CPA degree, as she has a talent for financial management.
Since 2015, Audrey has worked in the nonprofit sector, helping businesses and individuals succeed both professionally and personally, first with the Centre for Entrepreneurship Education and Development (CEED) and now for the Alzheimer Society of Nova Scotia.
Serving on the Board of Directors of the SMB Community Enterprise Centre for the last several years has been a natural attraction for Audrey, as she loves being connected with her local community.
As a lover of the great outdoors, Audrey will likely cross paths with you on her weekly Bluff Trail hikes, or you may see her along any given maritime coastline, riding her Harley.
Madison represents the Saint Mary’s University Entrepreneurship and its partnership with the CEC. In her role at Saint Mary’s, she works closely with business owners in the community, helping them to grow their businesses and increase competitiveness through market research and business design support. Madison is passionate about spreading this aid to rural communities to ensure they have equal opportunity and access to business support resources. She is inspired by the diversity within Nova Scotia’s business community and the dynamic leaders who make each day different from the last.
Having been raised in a family of entrepreneurs, Madison also has a vested interest in family business and the unique challenges and opportunities it brings. She is an advisor with the Family Business Association of Atlantic Canada and sits on their Awards of Excellence committee, recognizing the hard work and contributions of family businesses throughout the community.
In her spare time, Madison can be found exploring Nova Scotia’s vast coastline or enjoying some local eats.
Jennifer has 30 years’ experience in the fields of community and business development, specializing in client engagement, business growth, and partnership development.
Her passion is assisting clients with their business development needs by providing business training, advisory services, and financing. In addition to her work life, Jennifer volunteers with several business development organizations, community groups and boards.
Jennifer enjoys many adventures with her husband, and is constantly bragging about her two successful sons.
Chris is a partner in an intergenerational consulting firm, Third Sector Enhancement Ltd., which specializes in providing resources dedicated to improving the sustainability of the not-for-profit sector in Nova Scotia. Prior to forming the business with his daughter, Chantal Pelham-Edwards, he was the executive director of the Acadia University Entrepreneurship Centre. Chris is a seasoned business, policy, and program analyst. He has more than 30 years of experience in local and regional business, the not-for-profit sector, and community economic development. Chris is a recognized leader in strategic planning, not-for-profit governance, and entrepreneurial education. He is an internationally certified small business counsellor, and has held board and executive positions in local, national, and international associations. In 2005, Chris was awarded the lifetime achievement award by the Canadian Council for Small Business and Entrepreneurship for his contribution to entrepreneurial development in Canada.
Chris and his wife, Suzanne, moved to Glen Haven to enjoy grandparenting, sailing, and gardening.
As a partner in Third Sector Enhancement Ltd., an intergenerational family consulting firm, Chantal has worked alongside her father, Chris Pelham, to support numerous non-profit organizations to identify their goals and find ways to achieve them. Prior to founding Third Sector in 2014, Chantal worked with the Government of Nova Scotia for 12 years in a variety of departments and positions. Chantal is completing a Master of Business with a focus on Community Economic Development, from Cape Breton University. Chantal enjoys working with locally based organizations and supporting local solutions.
In addition to being on the CEC board, Chantal is also on the boards of the St. Margaret Sailing Club and Flourish Community Development Consultants, and volunteers with the St. Margaret’s Bay Elementary School and the Wentworth Ski Race Club, and helps to coordinate Christmas in the Bay, a local community Christmas celebration.
Chantal is married with two kids, and enjoys gardening and horseback riding. As a family, they enjoy boating and skiing.
Melan was born in Liverpool, Nova Scotia. He went to St. Pat’s High School, then went off to Dalhousie University, where he graduated with a Bachelor of Commerce in 1973, followed by an MBA in 1975. He has been married to Theresa (Sampson) since 1973. They have two sons and two grandchildren. Melan is an avid golfer as well as an accomplished woodworker. Melan and Theresa love kayaking and are grateful for the many places in the Bay to go on a water adventure.
Melan worked for the Canada Revenue Agency for 35 years, from Ottawa to Vancouver and then back to Ottawa. He retired as Director of the International Tax Services Office in 2010, and moved back to Nova Scotia in 2012, where he and Theresa bought a fixer-upper with ocean frontage in Ingramport.
Since his retirement, Melan has been involved in many volunteer efforts. He was one of the five founders of the SMB Community Enterprise Centre and served as its CFO for four years, and he currently serves as a board member. Melan also served as a board member for the Bay Treasure Chest. He is the vice-president of the SMB Housing Coalition, the CFO of the Seniors Association of St. Margaret’s Bay, and is a board member for @NS.
Shelley is a founding member and long-term volunteer with the St. Margaret’s Bay Tourism Association. Following years of service as teachers and administrators with the former Halifax County-Bedford District School Board, Shelley and her late husband Karl, in their “retirement” years, embarked on a new career in the tourism industry. For fourteen years, they offered B&B accommodation in their comfortable home overlooking an idyllic cove, hosting delightful guests from all around the globe.
Although the B&B services were discontinued some years ago, Shelley’s interest and involvement in the tourism sector continues, as she is keenly aware of the importance of the industry as an economic driver for our region, the municipality, and for the province as a whole.
Born and raised in Kitchener, Ontario, Becky began her career working for the Kitchener-Waterloo school board in administration. She and her husband, Carlo, her high-school sweetheart, later moved to Toronto, where they both worked for IBM.
Deciding they wanted to own their own business, they decided Canadian Tire was the way to go. Their first, very small store was in Madoc, Ontario, followed by a much larger store in Fort McMurray, Alberta, where they enjoyed northern life, including magnificent Northern Lights, for over 7 years. Coming to Nova Scotia, they bought the Canadian Tire in Bedford, later selling it and building a new store in Clayton Park. Becky worked as office manager and inventory manager in their stores – as she says, “Millions to spend!”
After a successful 30 years in business, Becky and Carlo decided to retire about 10 years ago. At that point, wanting to give back to the community, Becky actively looked for volunteer opportunities, and joined the Seniors Association of St. Margaret’s Bay, volunteering in the office. She has served a president of the association for 5 years, and says she has seen the organization “take great strides, with much more to come.”
Becky is also on the board of the Bay Treasure Chest Association and volunteers by picking up and delivering chests, helping at counts, and serving on the strategic planning committee.
Becky and Carlo, now happily married for more than 50 years, have two sons, two daughters-in-law and three grandchildren, all living in the area. Becky says, “It has been a great pleasure to give back to this beautiful community, and I hope to be able to do it for many more years.”
PRESIDENT – Chris Pelham
VICE-PRESIDENT – Fred Dolbel
CHIEF FINANCIAL OFFICER – Audrey Milley
SECRETARY – Jennifer O’Quinn
PROGRAMS – Chris Pelham
COMMUNICATIONS – Sharon Jessup Joyce
Marsha Fanning, Associate Manager, Programs and Marketing
Marsha is a recovering perfectionist who believes in the power of learning from mistakes, and that everyone deserves to feel valued as a part of a team. She is an advocate for taking an inclusive approach to business and problem-solving. She helps people see the value in obtaining multiple perspectives, and the richness it can bring to telling their story. Working with companies in a variety of areas, including strategy, business planning, risk, and employee engagement, Marsha utilizes an approach to problem-solving that starts with people and ends with solutions that are tailor-made to suit their needs.
Marsha has earned several degrees and designations, including MBA, CPA, CMA, and CAEd. She has worked in public and private companies in roles that range from making curls on ice-cream cones to taking a seat at a Crown Corporation executive table. Marsha is a member of the St. Margaret’s Bay Stewardship Association board of directors, as she believes the environment and our heritage in the Bay are critical to enhance and protect.
After a 20-year career with Sobeys and the NSLC, Marsha is now a consultant, facilitator, artistic woodworker, and educator who, along with her husband, tries to keep up with her two boys while being mindful that they grow fast!
Bay Treasure Chest Association
The Bay Treasure Chest weekly 50/50 Toonie Draw was established in early 2014 by five local not-for-profit service organizations as a fundraising partnership in the St. Margaret’s Bay area. The partnership has expanded to eight groups, comprising fourteen organizations. Volunteers from the partner groups spend many hours on the weekly draws, and local retailers kindly support the program by making room for the chests on their premises. From their share of Treasure Chest proceeds, the partners deliver programs, services, recreation and other activities to benefit individuals, families, the environment and our community.
Other community groups are eligible to receive honoraria by helping with a draw. Since 2016, Bay Treasure Chest has awarded more than $150,000 in scholarships to local secondary school students.
In 2020, the organization added a Monthly Online Draw when the Toonie Draw was twice suspended during the pandemic.
BBI (Black Business Initiative)
The Black Business Initiative is committed to growing a stronger Black presence in Nova Scotia’s business community. We act as a catalyst for job creation, equitable participation, and advancing the economic prosperity of Nova Scotia. In 1996, the Government of Canada and the Province of Nova Scotia founded the organization to address the unique needs confronting the Black business community in Nova Scotia.
Carol Cone on Purpose
Carol Cone On Purpose was launched in 2015 as a flexible, authentic, experts-at-the-centre purpose-consulting model to advance organizations’ reasons for being beyond profit. From discovering what purpose means to your organization, through to an introductory workshop, to strategy development, leadership positioning, employee engagement, and partnerships, we work with brands, nonprofits, and corporations.
CBDC Blue Water
CBDC Blue Water is one of 41 Community Business Development Corporations (CBDCs) serving Atlantic Canada. Being a CBDC, we promote economic development in rural areas by providing financial assistance, training, and counselling to small businesses. As a CBDC, we assist in the creation of small businesses and in the expansion and modernization of existing businesses by providing financial and technical services to entrepreneurs. We are not-for-profit community-based organizations run by volunteers from the local business community who firmly believe in improving the economic viability of their communities.
CEED (Centre for Education Entrepreneurship and Development)
Empowering and advancing entrepreneurs in Nova Scotia for over 25 years, CEED supports innovative ideas, creative enterprises, and scalable strategies delivered through programs and collaboration with partners to build a diverse entrepreneurial ecosystem. Each year, we help to increase the number of businesses operating in Nova Scotia through training, financing, and networking opportunities.
CEED has a unique community of like-minded entrepreneurs brought together by peer-to-peer learning opportunities, professional development strategies, and a passion for entrepreneurship.
GPI Atlantic/GPI Youth
GPI Atlantic/ GPI Youth is a nonprofit organization based in Nova Scotia, and working globally. GPI Atlantic measures what matters most, like clean air and water, fertile soil, nurturing families, and vital societies. GPI offers training in research methods for sustainable development, and partners with youth and communities in Nova Scotia and globally.
Deputy Mayor Pam Lovelace has been a member of Regional Council since 2020, elected as Councillor for District 13, following a 20-year career in communications and project management.
After graduating from Mount Saint Vincent University with a BA(Hons) degree in business administration, she worked for CBC Maritimes in Nova Scotia and New Brunswick producing television and online programming. Pam has also worked in various communications and project management roles with federal, provincial, and municipal governments. She has an MA in adult education and worked for Dalhousie University’s Faculty of Health, and as an adjunct professor at Mount Saint Vincent University.
Pam has volunteered with many groups throughout Atlantic Canada and has received Volunteer of the Year awards from Halifax and the Province of Nova Scotia. In 2020, she was awarded national certification in Agile Project Management.
Pam currently serves on many municipal committees, boards, and commissions, and continues to look for opportunities to make positive contributions as an elected official. She lives in Hammonds Plains with her husband, David, and their children, Ava and Callum.
Saint Mary’s University Entrepreneurship Centre
The Saint Mary’s University Entrepreneurship Centre creates opportunities to connect students with businesses through training, mentorship, coaching and consulting activities. With a focus on growth, innovation and cultivating the entrepreneurial mindset, the Centre is committed to helping the Atlantic Canadian economy grow and prosper.
Seniors Association of St. Margaret’s Bay (Bay Seniors)
Established in 2009, the Seniors Association of St. Margaret’s Bay (Bay Seniors) is a not-for-profit registered society whose purpose is to help seniors in the St. Margaret’s Bay area realize their retirement dreams, maintain control over their lives and identify opportunities for sharing their skills and experience. Bay Seniors is inclusive and helps local seniors participate in social, community and wellness activities.
St. Margaret’s Bay Chamber of Commerce
The St. Margaret’s Bay Chamber of Commerce was formed to support the many businesses surrounding the Bay area, and to represent them in promoting their many unique ventures. They have been around for close to a decade and invite you to join them in some of the many opportunities they have to offer.
St. Margaret’s Bay Region Tourism Development Association
The St. Margaret’s Bay Tourism Development Association (SMB Tourism) grew out of a community group consisting of volunteers focused on enhancing visitor experiences. Formally incorporated in 1999, the organization’s mission is “to foster the growth and development of a sustainable tourism industry in the St. Margaret’s Bay region and to strengthen its position as a destination, while maintaining the cultural and environmental integrity of the region.”
SMB Tourism continues, with limited human and financial resources, like many volunteer organizations, to serve tourism interests in a variety of ways to promote the area as a premier destination.
The Masthead News
The Masthead News is a well-established family-friendly community newspaper that is currently distributed to over 29,000 households and businesses in the South Shore region of Nova Scotia. The newspaper’s content is focused on what is happening in our communities, and tells stories by and about the people who live and work here.
Third Sector Enhancement Ltd.
Our collective community development experience spans nearly 40 years. We have been working with communities, non-profit organizations, businesses and governments for decades – helping them identify their goals and the pathways to achieve them. We have worked in government, in nonprofits, and in private business, and understand the unique complexities of those environments. We believe that decisions should be influenced by those who will be most impacted by them. All our activities are based on this fundamental premise.
Ulnooweg, pronounced [Ul-noo-wegg], is a Mi’kmaq word that, broadly translated, means: “to make indigenous or to adapt beliefs, customs, etc. of the Mi’kmaq.” In this context, Ulnooweg Development Group would translate to an “Indigenized” Development Group incorporating the beliefs, customs, values, etc. of the Mi’kmaq nation. In this way, Ulnooweg operates as an extension of communities, uniquely stewarding their needs and supporting their business leaders and entrepreneurs. We are all one team working together toward a vision of self-sustaining, healthy communities.
As the Atlantic Indigenous business organization, Ulnooweg and its portfolio of strategic initiatives are pleased to engage with the St. Margaret’s Bay Community Enterprise Centre. Increasing participation by Indigenous entrepreneurs and innovators in the Atlantic economy is the goal, and we see ourselves as the conduit, or connector, of the two ecosystems. In the role of connector, working with other accelerating organizations of the CEC, we look forward to a positive increase in Indigenous entrepreneurs and innovators. Ulnooweg has been providing loans and business services to Aboriginal entrepreneurs in Atlantic Canada since 1986. With representatives in New Brunswick, Newfoundland and Labrador, and Nova Scotia, we offer convenient, personalized service to our clients to help them succeed.
These are the people who give their time, skills and dedication to support us, thereby supporting our community.
We would like to take this opportunity to thank everyone who:
• Dreamed a place like the CEC could happen here.
• Worked so hard to establish the CEC.
• Is part of our participation in our community today.
Our special thanks to our founding board of directors and the dozens of individuals, organizations, businesses and government departments that made the St. Margaret’s Bay Community Enterprise Centre possible
If you are interested in volunteering, email us at email@example.com
Unit 1 – 5229 St. Margaret’s Bay Road
Upper Tantallon, NS
9AM-4PM, Monday to Friday, excluding holidays