Saturday, March 21, 2009

Ouray Real Estate Land Use Mining Claims

March 20, 2009
Posted by: Erin Eddy
Written by: Christopher Pike

www.ourayland.com
www.ridgwayland.com

RIDGWAY – A proposed code that determines how and where a home can be built on mining claims is now in the hands of the Ouray County Planning Commission.

The document, "Historic Mining Claims District Overlay," was written by County Attorney Mark Deganhart and delivered Tuesday to planning commissioners and County Planner Mark Castrodale.

If passed, the final version will be incorporated into the Land Use Code.

The Board of County Commissioners opened its March 17 work session by explaining the vision, goals and objectives of the proposed code. Included in the draft's "purpose and intent" is a commitment to preserve the right of underground mining while accommodating residential home construction on mine land parcels. Moreover, the county seeks to "conserve and protect the natural environment and its resources while also recognizing private property rights associated with parcels in the Mining District."

The BOCC stressed there will be limited public services and facilities available to such properties due to extreme alpine terrain, geohazards and harsh climate. In some cases access by emergency vehicle may not be possible.

Provisions in the draft code include limiting road and driveway improvements and maintenance; preserving historic structures and public access to trails; restricting a home and accessory structure as well as septic and other utility systems to the site's activity envelope; and setting guidelines as to design, visual impact, lighting, fire mitigation and small-scale renewable energy systems.

"This addresses upgrading (mine land development) to something beyond what it was historically allowed," said County Commissioner Lynn Padgett.

A committee comprised of representatives from the county, U.S. Forest Service and area recreational groups is developing a map of historic trails and roads. Establishing where these routes cross existing mining claims may affect where homes can be built. "It's a huge can of worms and we're not trying to have the planning commission address that," said BOCC Chairman Heidi Albritton.

P&Z Chairman Ted Collin said, "We have a lot of questions, not many answers. But private property rights are paramount to our western civilization."

The OCPC will hold four work sessions on proposed mine land regulations with a public hearing May 19. The addition to the LUC should be adopted before July 26, the end of a six-month building moratorium on mining claims.

Saturday, March 14, 2009

Ouray County News

Posted by: Erin Eddy

www.ourayland.com
www.ridgwayland.com

Written by:

Gus Jarvis
Ouray County Watch

OURAY – With just over five weeks until President-Elect Barack Obama is inaugurated and with the national economy in a recession, it is the general consensus of the Ouray County Commissioners that the county should make a concerted effort to benefit from the economic stimulus package the incoming president may initiate.

While no formal action was taken at Monday’s regular meeting in Ouray, the conversation was sparked by the county’s Emergency Planning Coordinator Alan Staehle, who asked the commissioners if there are any steps to be taken to make sure the county would be in line if the new Congress funds infrastructure upgrades. Staehle further suggested that Colorado Counties Inc. could be a voice for the county.

“I am wondering if CCI shouldn’t be making sure that counties are in line for some that?” Staehle said. “We might have some opportunity if the president’s new infrastructure initiatives put some money into it at the county level.”

Commissioner Keith Meinert agreed, adding that before the National Governors Association meeting with Obama earlier this month, the Colorado Department of Transportation compiled a list of infrastructure projects that are engineered and ready to go if the new president initiates an infrastructure initiative. Locally, Meinert said the passing lane on Highway 550 near the Colona Gap and the Bear Creek Falls bridge are two projects that could be funded.

Commissioner Don Batchelder said chip-sealing roads to would be another immediate option but later cautioned that the county “is going to have to be conscious” about the cost of sustaining chip-sealed roads.

Commissioner Heidi Albritton added that one of the projects Obama has set his sights on is retrofitting public buildings to make them greener and more energy efficient. At some point the Ouray County Courthouse will be overhauled, she added.

“It sounds like Obama’s transition team is inclined to have stimulus that isn’t just roads, this might be something they would want to fast track,” Meinert said. “We are a long way from going forward with the courthouse but if there is money and they are looking for infrastructure projects quickly, that is the kind of thing to [inform] the governor of.”

The overarching question for the county is how to participate, if federal funding for local projects becomes available.

“I wonder what the best way to pursue this is,” Meinert asked, noting that Rep. John Salazar and Sen. Ken Salazar are sensitive to county issues and that it wouldn’t hurt to notify them that at the county-level “we have projects ready to go.”

The commissioners agreed to take steps to ensure the county is ready to act if a stimulus package is passed and Meinert agreed to draft a letter to CCI notifying them of Ouray County’s interest in the matter.

“If counties don’t get their foot in the door, the state could absorb any money without it going any further,” Staehle cautioned.

Saturday, March 7, 2009

Ouray Real Estate Foreclosures

Written by the Ouray Plaindealer

Posted by: Erin Eddy

www.ourayland.com
www.ridgwayland.com


Lately, a good chunk of Ouray County Treasurer Jeannine Casolari's time is taken up with the business of foreclosures ... more time than she would like.

"There's other things that go on in this office, like tax collection," she said, in forthright frustration. "February is a busy time with first half property tax payments coming in. Yesterday we collected half a million dollars of property taxes and processed them in a day."

Add to that the flood of foreclosures Casolari and her staff are currently processing, and it makes for a very full plate.

Casolari, whose steady, thoughtful demeanor is belied by a frenzy of curly gray hair and colorful glasses, says that for the size of the county, said the volume of foreclosures she's seeing is nothing short of remarkable, tripling from its rate of a year ago, with no end in sight.

In the past, Casolari said, three to six foreclosures in a year was a lot. In fact, she conducted just two foreclosure sales in 2008. But come October, the national sickness hit home. "What started as a slow year all of a sudden magnified," she said. "All of a sudden, I was getting three foreclosures in a week." By the year's end, eight more foreclosures had been filed in the county.

This year, the numbers are off the charts, in unprecedented territory, with 10 filed already, not two months into 2009. "To see us in the stages of tripling, that's what's scary," Casolari said. "It hasn't let up yet. I expect more next week. We get phone calls from people all the time asking about the fees to get the process started."

Simply keeping up with the statutorily mandated schedule for processing a foreclosure is a daunting task, upon which she and her two staff keep a hawkish eye. "All three of us are looking at these deadlines together," Casolari said.

The process goes like this: the treasurer's office receives the foreclosure packet from the attorney representing the bank which holds the defaulted mortgage. Within that hefty packet are the deed of trust on the property, the original promissory note, combined Notice of Sale, Right to Cure, and Right to Redeam, along with copies of Colorado Revised Statutes 38-38-100 through 705, an Initial Mailing list which has all known addresses for the property owner and other interested parties, a Notice of Election and Demand (NED), and a check for Casolari's expenses, which include two certified mailings, and a mandatory publication for five consecutive weeks of the Combined Notice in the county's newspaper of record.

Casolari notifies the attorney that the foreclosure packet has been received, and takes the NED across the hall to the office of the County Clerk to officially record it, and the clock starts ticking.

Exactly 125 days later (or up to 230 days for agricultural property), after an intricately timed process of mailings and legal notices, another Ouray County property owner will most likely be foreclosed upon.

Once in a while, someone is able to cure the default, and when that happens, it is a moment of quiet celebration for Casolari and her staff in the midst of the maelstrom.

Casolari's seen just one cure recently. Most often, the treasurer has to move forward with the statutorily mandated foreclosure proceedings, because that is her job.

She will conduct an initial and supplemental mailing of the foreclosure documents to every addressee specified by the attorney. The property owners alone may have up to eight different addresses listed by the attorney, ranging from their P.O. box to any known physical addresses, and in some cases, even to "occupant" at the last known street address, in the hopes that whoever is living there now will be able to forward it to the defaulted property owner in question. "They're trying everything to contact that person," Casolari explained.

Out of the 30 or so mailings that Casolari may send out for any one foreclosure, up to 20 may come back. But in the best case scenario, the property owner is successfully notified and able to cure their default – in other words, pay off the debt owed. They must provide written notice of intent to cure, within 15 days prior to the sale. And after the debt has been settled, the attorney withdraws the foreclosure.

The cure must cover the cost of the prosecuting attorney's fees, and depending on the way the mortgage is structured, the considerable interest which may have accrued since the time of the default. More often than not, this is simply beyond reach of the property owner. Then Casolari must conclude the foreclosure with a sale at the front entrance of the Courthouse.

"It's a difficult thing," Casolari said. "It's hard to say I'm doing a foreclosure sale, but it's part of my job." This month, she's held two foreclosure sales already, one on Feb. 11, another just last Wednesday on Feb. 18.

"Most of the time, no one shows up," Casolari said. It's just herself standing there, with her staff as witnesses. The property goes back to the holder of the note. A certificate of purchase is issued, and after the redemption period has expired, she issues a confirmation deed to the holder of the note.

While other parts of the nation have seen banks offloading foreclosed properties at rock-bottom prices to speculators who flock like vultures with cash in hand, Casolari said "...that hasn't been our experience here." Banks, she observed, are selling properties at the face value of the mortgage, plus interest and fees, often for more than the original amount owed by the defaulted property owner.

What she has seen plenty of, however, are the predatory lending practices that triggered the national collapse of the housing market. "With some of these loans, it's just amazing anyone would have signed on the dotted line, with the kind of interest that's accumulating," she said.

Another national trend reflected locally: homes recently gotten into with minimal down payments, such that the amount of debt on the house is equal to or in some cases more than the amount for which the house was purchased in the first place.

"Another sad thing – certain individuals went into foreclosure on more than one property," Casolari noted.

Most of the records on foreclosed properties show that the mortgage has been "bundled," sold by the initial bank that issued it (often a local or regional bank) to a larger institution specializing in mortgage investments.

Conversely, it used to be that the only attorneys she saw involved in foreclosures were specialists from the Front Range. Now, she's seeing more local and regional attorneys getting in on the act. If it is their first time to conduct a foreclosure, often the packet they send is not in order, and Casolari has to ship it back to them for revision.

It is a lot to keep track of. "Some public trustees have hired a full-time assistant to deal with the foreclosures," Casolari said of her regional colleagues. "Everyone is affected." So far, Ouray County's numbers haven't escalated to an emergency level. But it might just be a matter of time.

"I didn't know this would happen to this magnitude," Casolari said. "It hasn't let up yet. Having three foreclosures a week, you almost need one person, simply to manage the timetable."

While Casolari and her staff struggle to keep up with their workload, the families and individuals in foreclosure throughout the Ouray County are trying to come to grips with what is happening to them. Here is portrait of one such family. (Their identity has been withheld to protect their privacy.)

This two-income middle class family, with two children, built their 2000-plus square foot home in 2005, before the economic crisis had started rumbling. They got into a large mortgage at a time when construction costs were going up; half of the land they purchased was covered by the proceeds of the sale of their former home, and the rest of the expenses for land acquisition and home construction came from a loan.

Between two salaries, they were easily able to afford their mortgage, and had no other large expenses in life except the norm--two car loans, one student loan, low credit card balances, etc.

A job loss, and health issues within the family, changed all that. The couple are now in the process of refinancing to save their home from foreclosure, and cut their monthly mortgage payment to make it affordable. They are not working with a local bank, and said their mortgage company was not helpful until they hired a loan modification financial assistant to get them in direct contact with their lenders.

Even if they are able to refinance, the fact remains that the husband still cannot find work locally. The family plans to leave the area if they lose their house, and move in with relatives until they get back on their feet.

While the numbers coming out of Casolari's office show that many families and individuals across the county are in the same difficult position, this couple said they don't know anyone personally who is also to the point of losing their home. "It seems like everyone keeps talking about how tough times are, but I don't personally see many families that are cutting back on expenses (vacations, impulse buying, dining out, etc.)," the wife said.

In the meantime, as they await news from their lender, they are also casting a hopeful eye toward the nation's capitol and its leaders.

"I am hopeful Obama's plans will help not only us and people in our same situation before it is too late, but the country as a whole to get out of this economical crisis that we are all in, regardless of how each is doing as an individual family," said the wife. "I keep hearing about the available money that is out there, but it is not easy to get the assistance needed. It would be nice to have a support group of people who are in our same situation, to get together with to find out what is and is not working to save our homes."

Casolari often refers property owners in foreclosure to Colorado Revised Statutes 38-38-100 through 705, as well as to the Colorado Foreclosure Hotline, 1-877-601-HOPE, http://www.coloradoforeclosurehotline.org/

Ouray Real Estate Land Use

Posted by: Erin Eddy

March 06, 2009
Written By Christopher Pike

County commissioners rejected a landowner's bid to amend Land Use Code zoning standards.

The code amendment, had it passed, would have enabled the property owner next to Eagle Hill Ranch subdivision north of Ridgway to split his land into three lots, matching the density in Eagle Hill.

Commissioners said Monday they accepted the Ouray County Planning Commission's reasoning in its recommendation of denial last Nov. 18. The commission's report noted that the new language, as presented by the applicant, could result in the rezoning of property "even if the adjacent parcel's current zoning does not match."

The P&Z also declared that should the code amendment become law, a parcel anywhere in the county "could be rezoned to historical zoning densities that no longer exist, or ... granted density that has been done away with."

Applicant Steve Jordon owns a 21.83-acre parcel next to Eagle Hill Ranch. Jordon invoked several sections within the LUC, beginning last May, to subdividie his parcel into three lots. He had argued that his parcel could be subdivided since it is surrounded "on all sides by developments of greater density that which is being proposed."

Jordon's representative, Robert Savath, said the only reason his client was pursuing this process was because there is "no other way under the current code to address this application." Savath was reminded by BOCC Chairman Heidi Albritton, however, that future recourse was available for Jordon to split the parcel into two lots as allowed by Section 17 of the code.

Commissioner Keith Meinert said the request was significant in that it would have broadened the ability of future county commissioners to make code changes. Those may have expanded the use of zoning changes to increase density and decrease the lot size.

Friday, February 20, 2009

Doctors office in Ouray

February 20, 2009

Written By: Samantha Tisdel Wright

Posted By: Erin Eddy

www.ourayland.com
www.ridgwayland.com

After doing without for several years, Ouray is poised to get its own medical center once again. Ouray Family Medicine will open its doors at 824 Main Street in mid-March.

"We've been scratching our heads thinking about it for years," said Dr. David Olson, a family practice physician who with his wife and nurse practitioner Shirley Olson, will be running the clinic. "The time just seemed right."

Once the decision to open a practice had been made, it took the Olsons a little longer to find the right place. Buying their own building was not an option, so when the current location, which used to house the hair salon Shea Studio, became available, "...We were like, 'Yeah, baby... it's perfect,' David laughed.

The location wasn't dialed in until December. Since then, there's been some serious remodeling going on, to transform the once chic salon into a medical clinic with a reception desk and waiting area, three exam rooms, a trauma/x-ray room, office space and more.

An open area up front will double as a waiting room for patients and their families, and an after-hours theater and lecture area, where guest lecturers will be invited to give talks from time to time, the Olsons said.

Shirley, who has been an RN for 15 years, has spent the past few years completing her master's degree to become a family nurse practitioner, training which she anticipates completing in May. She has recently been working at a women's health clinic in Montrose.

"I like primary care more than accute care, because you're working toward enhancing a person's overall health," she said.

David, who received his medical education at Northwestern University in Evanston and Chicago, Illinois, and completed his family practice residency at Saint Joseph Hospital in Denver, has been practicing family medicine since 1980 at the age of 25.

He formerly had small private family practices in Denver and Michigan. This past year, he's worked at a family practice in Montrose.

It's work that he's well-suited to. "Family physicians are in short supply," he noted. "They have the hardest job, they make the least money, they have to know the most."

The Olsons, who moved to Ouray in 2004, intend to flesh out their offerings by bringing in specialists on a rotating basis.

Shirley herself is currently obtaining certification training as a foot care specialist. "And we recently obtained our aesthetic medicine credentials and will likely offer Botox injections and chemical peels initially, and perhaps other aesthetic procedures later," Olson said.

In addition to his time in family practice, David spent a considerable period of time in high-level medical management. "I wanted to have a bigger effect; I wasn't happy with the way medicine was administered," he explained. "I was ready for something new." Now, he has come full circle, back to family medicine.

"We are committed to living in Ouray for the rest of our lives," he said. "And you can't be a medical director in Ouray." But there's certainly a need here for a medical clinic, a need which he and Shirley are now poised to fill. Together, they envision creating a family practice in Ouray that can care for all of the town's citizens, from birth on up.

The Olsons also look forward to creating an ultra-modern "micro" practice, incorporating the latest developments in medical practices that have been made possible by the Internet.

"We will have an interactive web page where patients can log in or fill in their demographics, and make or change an appointment," David explained. Patients, once they are logged in, can also securely e-mail David and Shirley questions and information about their medical backgrounds. All records will be kept electronically.

"The 'micro' model is very hands-on, and can dramatically decrease administrative fees," Shirley explained. "You might often have one of us answering the phone." And yes, the Olsons will do house calls.

"A micro-practice is the perfect model for us," Shirley added. "Our style is to spend more time with each patient. That's the way medicine should be practiced."

Friday, February 13, 2009

La Capella in Telluride

Posted by Erin Eddy

www.ourayland.com
www.ridgwayland.com

Written by: Seth Cagin

Nine years and a reported $200 million later, there is a major new hotel in the Telluride region.

The Capella Telluride was scheduled to open its doors today to fanfare, high hopes, and, it is safe to say, some measure of relief as well. The opening of the Capella could be deemed to be the region’s very own economic stimulus. But as is true of President Obama’s national stimulus plan, there is no way to know in advance how well it will work.

The road from conception to completion of the largest construction project ever undertaken in the Telluride region was not only long and expensive, but fraught with peril, including an arduous approvals process that saw numerous compromises with respect to the structure’s mass, scale and design and more than a few occasions when it looked like it would never break ground.

Today’s grand opening could be taken as evidence that long-range community planning can sometimes yield a result. But it remains to be seen whether the economic impact will be all that has been hoped. That is true particularly since the Capella opens its doors in the midst of a deep and possibly deepening local, national and global economic slump.

The most recent data provided by the Telluride Visitors Bureau are not encouraging. Hotel occupancy in the Telluride region was down 17.5 percent in January compared to last January, with revenue per available room down by an even more impressive 30 percent, due to falling room rates. Advance bookings for the next six months are down by a whopping 32 percent compared to last year at this time, with only one bit of hopeful datum: in January, 18.6 percent more visitors booked their accommodations in the same month they planned to arrive compared to last January.

That last statistic suggests an opportunity for recovery ahead, and one that a sparkling, new, full-service hotel like the Capella might help to realize. Bookings at the Capella for the rest of this ski season are encouraging, the hotel’s general manager John Volponi said this week, and the summer looks strong, particularly around major festivals. As an example, this year’s bigger Gay Ski Week, which starts Feb. 21, has booked rooms and has scheduled a number of events at the Capella.

Among the opportunities the Capella should afford the region is the possibility of booking more groups utilizing the adjacent Telluride Conference Center. With the addition of the Capella, Mountain Village now offers a far larger assortment of rooms suitable for hosting groups, and, of possibly even greater importance, there are now break-out meeting rooms at the Capella for groups that use the conference center as their primary venue.

“The group market is extremely challenging right now for not only destination markets but all conference markets,” Scott McQuade, CEO of the Telluride Visitors Bureau said this week, explaining that corporate travel has been severely cut back due to the economy. “But there is hope on the horizon,” McQuade added. “We are already seeing both large and small groups book for 2010 and the Capella has certainly been of primary interest for many of these group leaders. The Capella has also helped the group effort in giving customers more options, and the destination the ability to accommodate larger groups.”

Once a Muddy Parking Lot

The Telluride Mountain Village Owners Association, then called Mountain Village Metro Services, quietly acquired the bulk of the property now occupied by the Capella in the fall of 2000, precisely with the objective of ensuring it would be developed as a hotel, and that it would incorporate other needed community amenities, and would not be developed as condominiums. Then, as today, there was a concern, expressed at that time by Telluride Ski and Golf Co. CEO Ron Allred and expressed today by current Telski CEO Dave Riley, that creating bedbase is essential to the region’s economic sustainability. But the last remaining sites in Mountain Village and Telluride that were suitable for hotel development were being developed instead as condominiums, which generally have a far lower occupancy rate than hotel rooms do.

Metro Services subsequently entered into an agreement with Robert Levine, who developed the adjacent Inn at Lost Creek, to take on the project. There were then hundreds of hours of public meetings to hammer out details of the project, specifically how big it would be and what it would include.

Twice in 2004, as the project neared final approval, Mountain Village voters rejected arguments that the project was too big, first defeating a measure (with 73 percent opposed) that would have restricted the town council’s ability to award height variances and the second defeating a measure (80 percent opposed) that would have overturned the town council’s final approval of the project. The project also survived a legal challenge from the developer of the neighboring Franz Klammer Lodge.

After all of that, what was long a muddy parking lot at the center of the Mountain Village Center, and was once the location for trailers where lift tickets were sold and skis and boots were rented, is today a complex of two large structures containing 100 hotel rooms, 48 condominiums, two restaurants, a ballroom, a spa, new retail space, an underground parking garage, and an ice rink in a new public plaza.

The Capella Telluride is the first Capella hotel to open in the United States, the American flagship of a new international luxury brand founded by Horst Schulze, the legendary founder of the Ritz-Carlton Hotel chain. Capella hotels will be less formal than Ritz-Carltons, somewhat smaller in size, and will deliver an even more highly personalized level of service, Schulze has decreed.

For example, each Capella guest will have the use of a “personal assistant,” who will first contact them even before they arrive to determine the guests’ interests and to begin making arrangements for their stay. Rather than a grand public lobby, the hotel has a “living room,” whose access is restricted to hotel guests, where the personal assistants maintain their desks. The two restaurants, Onyx, featuring fine dining, and the Suede Bar, with a more casual menu, are open to the public.

New staff was busily training this week, as an army of construction workers scurried about to meet the deadline for today’s opening, with Schulze, who began his career as a waiter in his native Germany, on hand to personally lend a hand. The hotel has a staff of about 100 people, about half of them recruited locally, Volponi said.

“It’s all about service,” Volponi said, and indeed this reporter and a photographer were greeted warmly as we toured the facilities. “‘We, the service professionals of Capella place our guests at the center of everything we do,’” Volponi added, quoting an excerpt from the company’s “service training” that is reviewed with all employees.

“I think that sums up our philosophy. The significant idea that is emphasized over and over again in our training is that we provide ‘warm and caring service.’”

The Capella Telluride is offering an introductory rate of $295 this winter and for much of next summer. In an interview a year ago, admittedly before the scale of the current economic downturn was clear, Schulze expressed confidence that the Capella would be successful within three years, building that success on his philosophy emphasizing guest, employee and owner satisfaction, and commitment to community.

The hope expressed by Schulze then and by Volponi this week is that the Capella will someday be as strongly identified with Telluride as the Little Nell is with Aspen, the Sonnenalp is with Vail, and the Hyatt Regency is with Beaver Creek.

Friday, February 6, 2009

Ouray Real Estate Values

Written by: David Mullings

Posted by: Erin Eddy

www.ourayland.com
www.ridgwayland.com

We're in a super bad recession, and if the local real estate market isn't in the tank, it's at least within spitting distance. According to recent sales trends, that house on the corner, and yours, isn't worth what it was a couple of years ago. And yet we're told to expect our property tax bills to be much the same for 2009, with some possibly even higher. Yep. Nobody ever said life was fair. There's an explanation for this, of course.

County Assessor Susie Mayfield reported on the property taxing situation in January to the Board of County Commissioners. Her office conducts biennial (in odd-numbered years) re-valuations of real property, which together with mil levies, determine the amount of property tax due. The 2009 valuations, Mayfield said, are based on valuations from all of 2007 and the first half of 2008. Remember those good ol' days, when the fundamentals of the economy were strong? And the "get-anybody-in-a-home, regardless" theme permeated the banking and real estate industries.

Here in Ouray County, property values haven't fallen as much as in many parts of the country. Some sellers, in fact, are holding firm on their asking prices, willing and able to wait out the downturn, which inevitably will reverse. But in the meantime, we're stuck with a taxation situation where the level of taxes lags the reality of market conditions. The silver lining on the horizon comes in two years, when whatever decline we're witnessing locally will be reflected after the Assessor's Office finishes its next re-valuation process in the middle of 2010, taking into account market activity for this year.

Prudently, county commissioners advised Mayfield to explain as best her office can to property owners how the valuation process works. This is especially vital coming on the heels of the confusion and "do-over" that occurred the last time, in 2007. Then, drastically higher commercial valuations raised the ire of many merchants and resulted in a second valuation. Meanwhile, property owners and others roll with the punches of the shattered economy as best they can, hoping to scratch by until we come out of it. Despite the tough times, a "glass half-full" approach to the conditions reveals some bright points.

First, the correction in housing prices could enable some families to afford to get in the market. Second, with corporate layoffs in the big cities and the general state of crisis, lifestyle changes and a retreat to a beautiful little mountain area might be attractive to a whole lot of people across the country. The desirability of Ouray County as a place to visit and live will withstand even these times.