Dubuque Area Chamber of Commerce Forecast Luncheon

Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Bob Woodward, vice president and publisher of TH Media, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Kelly Cooper, executive director of Dubuque Area Labor-Management Council, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Keith Rahe (center), president and CEO of Travel Dubuque, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY

Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

Forecasting the future: Business strength, intelligence and health take center stage at the annual chamber luncheon in Dubuque. Speakers talked about retail, workforce, health care, finance, innovation and tourism. Chad Wolbers, president and CEO of UnityPoint Health-Dubuque, spoke about efforts to make health care more affordable. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY

More than 435 people attended the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16. Tyson Leyendecker, market president and executive vice president at Dubuque Bank and Trust, spoke about the immense consolidation of financial industries over the past three decades, and that there are about 5,000 banks in the U.S. today, when in 1990 there were more than 15,000. Photos by Jessica Reilly PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY
Ben Graham, owner of Graham

Ben Graham, owner of Graham's Style Store for Men and Women, speaks during the annual Dubuque Area Chamber of Commerce Forecast Luncheon at Grand River Center in Dubuque on Thursday, Jan. 16, 2020. PHOTO CREDIT: JESSICA REILLY