Merge pull request #152 from GSA/rj-section-about

Adds about section content

src/content/about/benefits.md

@@ -1,53 +1,40 @@
 ---
-title: A title goes here
-excerpt: Some excerpt
+title: Benefits of the Program
+description: "Some of the benefits customers can expect when they choose GSA SmartPay."
 order: 1
+category: about
+tags:
+  - about
+  - benefits
+  - refunds
 ---
-This is just a bunch of text to test in-page nav.
 
-THis might be a bunch of stuff
+Some of the benefits for customers using GSA SmartPay® solutions as a payment method include:
 
-## An H2 element
+## Cost Savings Realized
 
-We want to see if we can pick this up in the sub navigation
-Established in 1998, the GSA SmartPay program is the world’s largest government charge card and commercial payment solutions program, providing services to more than 560 federal agencies/organizations and Native American tribal governments.
-link:
-[relative link](../business-lines)
-[root link](/about)
-[full link](https://sam.gov/)
+Customers have the opportunity to realize administrative cost savings through payment efficiencies. In FY22 alone, the estimated administrative savings for the purchase card was $1.34 billion per year ($70 per transaction) when used in place of a written purchase order. In addition, agencies pay no direct fees to use GSA SmartPay solutions.
 
-![image description](/images/us_flag_small.png)
+## Agency Refunds
 
-### H3 Headings don't go in the menu
-GSA SmartPay payment solutions enable authorized government employees to make purchases on behalf of the federal government in support of their agency’s mission.
+Agencies have the opportunity to earn refunds based on the dollar volume of transactions and the speed of payment.
 
-#### Neither for H4
+## Safety and Transparency
 
-GSA SmartPay payment solutions:
+The GSA SmartPay program provides secure solutions for efficient payment transactions. Customers also have access to tools that provide increased transparency to spend and performance data.
 
-##### or H5 
+## Electronic Access to Data
 
-* Streamline transaction processing.
-* Increase accountability.
-* Provide a more efficient and effective means to monitor transactions and to identify fraud, waste, and abuse.
+Through the GSA SmartPay contractor bank’s Electronic Access System (EAS), account managers and account holders have immediate access to complete transaction-level data, helping to mitigate fraud, waste and abuse.
 
-The GSA Center for Charge Card Management (CCCM) and GSA SmartPay contractor banks are dedicated to identifying opportunities to provide customers with GSA SmartPay solutions to help address agency payment challenges. 
+## Worldwide Acceptance
 
-CCCM seeks to increase awareness of available payment solutions under the [GSA SmartPay 3 Master Contract](https://smartpay.gsa.gov/about/master-contract) and help agencies continue to find ways to increase payment efficiencies, earn refunds and identify innovative ways to improve cost savings.
-Established in 1998, the GSA SmartPay program is the world’s largest government charge card and commercial payment solutions program, providing services to more than 560 federal agencies/organizations and Native American tribal governments.
+Through the use of commercial payment infrastructure, customers are able to use GSA SmartPay solutions anywhere in the world where merchants accept cards.
 
-GSA SmartPay payment solutions enable authorized government employees to make purchases on behalf of the federal government in support of their agency’s mission.
+## Identification for Discount Programs
 
-GSA SmartPay payment solutions:
+GSA SmartPay solutions provide automatic point-of-sale recognition for many GSA discount programs, including [Federal Strategic Sourcing Initiative](https://www.gsa.gov/buy-through-us/purchasing-programs/federal-strategic-sourcing-initiative-fssi) (FSSI), the [GSA City Pair Program](https://www.gsa.gov/travel/plan-book/transportation-airfare-rates-pov-rates-etc/city-pair-program-cpp) (CPP) and more.
 
-* Streamline transaction processing.
-* Increase accountability.
-* Provide a more efficient and effective means to monitor transactions and to identify fraud, waste, and abuse.
+## Other Benefits
 
-The GSA Center for Charge Card Management (CCCM) and GSA SmartPay contractor banks are dedicated to identifying opportunities to provide customers with GSA SmartPay solutions to help address agency payment challenges. 
-
-CCCM seeks to increase awareness of available payment solutions under the [GSA SmartPay 3 Master Contract](https://smartpay.gsa.gov/about/master-contract) and help agencies continue to find ways to increase payment efficiencies, earn refunds and identify innovative ways to improve cost savings.
-
-## Another H2 element 
-
-We also want to see if we can pick this up in the sub navigation
+GSA SmartPay payment solutions provide other, less tangible benefits, including travel insurance and eliminating the need for imprest funds or petty cash at the agency.

src/content/about/business-lines.md

@@ -1,6 +1,76 @@
 ---
-title: A title goes here
-excerpt: Some excerpt
+title: Business Lines
+description: "GSA SmartPay business lines include purchase, travel, fleet, tax advantage, and integrated."
 order: 2
+category: about
+tags:
+  - account
+  - purchase
+  - travel
+  - fleet
+  - tax advantage
+  - integrated
 ---
-Content goes here
+
+<!--Needs card images. Proposed layout is two column (or image floats).-->
+
+There are several business lines associated with the GSA SmartPay® program.
+
+## Purchase
+
+**Use**  
+To pay for supplies or services.
+
+**Account Type(s)**  
+Centrally Billed Account (CBA).
+
+**Publication**  
+[Helpful Hints for Purchase Account Use](/files/purchase-account-helpful-hints.pdf).
+
+## Travel
+
+**Use**  
+To pay for travel and travel related expenses. Primary mechanism used to purchase airline, rail and bus tickets at significantly reduced fares under the [GSA City Pair Program](https://www.gsa.gov/travel/plan-book/transportation-airfare-rates-pov-rates-etc/city-pair-program-cpp) (CPP).  
+
+**Account Type(s)**  
+Individually Billed Account (IBAs) or CBA.
+
+**Publication**  
+[Helpful Hints for Travel Account Use](/files/travel-account-helpful-hints.pdf).
+
+## Fleet
+
+**Use**  
+To pay for the purchase of fuel, maintenance and repair of government owned/operated motor equipment, aviation, small marine vessels and large marine vessels.
+
+**Account Type**  
+CBA.  
+
+**Publication**  
+[Helpful Hints for Fleet Account Use](/files/fleet-account-helpful-hints.pdf).
+
+## Tax Advantage Travel
+
+**Use**  
+To pay for travel and travel related expenses.
+
+**Account Type**  
+Combines IBA and CBA transactions to provide tax exemption at the point of sale for rental car and lodging expenses.
+
+**Publication**  
+[GSA SmartPay® Tax Advantage Travel Account](/files/tax-advantage-travel-account.pdf).
+
+## Integrated
+
+**Use**  
+To pay for purchases involving two or more business lines (i.e. fleet, purchase, and/or travel) on a single account.
+
+**Account Type**  
+Considered CBA, but may involve both IBA and CBA transactions, which is determined at the agency’s task order level.
+
+**Publications**  
+[Purchase](/files/purchase-account-helpful-hints.pdf), [Travel](/files/travel-account-helpful-hints.pdf) and [Fleet](/files/fleet-account-helpful-hints.pdf) Helpful Hints.
+
+<!--Link when built-->
+
+Review frequently asked questions about the GSA SmartPay program.

src/content/about/index.md

@@ -1,19 +1,24 @@
 ---
-title: About GSA SmartPay
-excerpt: The GSA SmartPay Program is the largest government charge card and commercial payment solutions program in the world.
+title: About GSA SmartPay®
+description: "The GSA SmartPay program is the world’s largest government charge card and commercial payment solutions program."
 slug: "./"
 order: 0
+category: about
+tags:
+  - about
+  - master contract
 ---
+
 Established in 1998, the GSA SmartPay program is the world’s largest government charge card and commercial payment solutions program, providing services to more than 560 federal agencies/organizations and Native American tribal governments.
 
 GSA SmartPay payment solutions enable authorized government employees to make purchases on behalf of the federal government in support of their agency’s mission.
 
 GSA SmartPay payment solutions:
 
-* Streamline transaction processing.
-* Increase accountability.
-* Provide a more efficient and effective means to monitor transactions and to identify fraud, waste, and abuse.
+- Streamline transaction processing.
+- Increase accountability.
+- Provide a more efficient and effective means to monitor transactions and to identify fraud, waste, and abuse.
 
-The GSA Center for Charge Card Management (CCCM) and GSA SmartPay contractor banks are dedicated to identifying opportunities to provide customers with GSA SmartPay solutions to help address agency payment challenges. 
+The GSA Center for Charge Card Management (CCCM) and GSA SmartPay contractor banks are dedicated to identifying opportunities to provide customers with GSA SmartPay solutions to help address agency payment challenges.
 
-CCCM seeks to increase awareness of available payment solutions under the [GSA SmartPay 3 Master Contract](https://smartpay.gsa.gov/about/master-contract) and help agencies continue to find ways to increase payment efficiencies, earn refunds and identify innovative ways to improve cost savings.
+CCCM seeks to increase awareness of available payment solutions under the [GSA SmartPay 3 Master Contract](about/master-contract/) and help agencies continue to find ways to increase payment efficiencies, earn refunds and identify innovative ways to improve cost savings.

src/content/about/logos.md

@@ -0,0 +1,26 @@
+---
+title: Logos and Designs
+description: GSA SmartPay brand logos and card designs.
+order: 5
+category: about
+tags:
+  - brand
+  - logo
+  - about
+---
+
+The following graphics may be printed or downloaded to indicate an agency’s use, or a business's acceptance, of GSA SmartPay® payment solutions:
+
+- GSA SmartPay Logo
+  - [EPS format](/files/gsasmartpay_vector.eps)
+  - [PNG format](/files/gsasmartpay.png)
+- [GSA SmartPay 3 Fleet, Purchase, Travel and Integrated Card Designs](/files/card-designs.pdf)
+- [Tax Advantage Travel Card Design](/files/tax-advantage-card-design.pdf)
+
+Please note:
+
+- The card designs may not be used in any manner to infer that the government endorses a particular business.
+- No business or agency/organization may sell, reverse engineer, modify or create derivative works based on the GSA SmartPay card designs in whole or in part for any purpose, without the express written consent of the GSA Center for Charge Card Management.
+- All copyright and other proprietary notices contained on the materials must be adhered to in strict compliance.
+
+Further guidance from GSA’s Office of Strategic Communication is available on the [GSA Logo Policy page](https://www.gsa.gov/reference/gsa-logo-policy).

src/content/about/master-contract.md

@@ -0,0 +1,39 @@
+---
+title: Master Contract
+description: About the GSA SmartPay Master Contract, contracting banks, and terms and conditions.
+order: 3
+category: about
+tags:
+  - about
+  - master contract
+---
+
+Since the award of the inaugural GSA SmartPay® Master Contract in 1998, the GSA SmartPay program has provided convenient, efficient and effective payment solutions for the federal government, tribes and tribal organizations with a comprehensive portfolio of purchase, travel, fleet and integrated payment solutions to support mission needs.
+
+In 2007, the GSA SmartPay program was further expanded with the award of the GSA SmartPay 2 Master Contract. The GSA SmartPay 2 Master Contract required additional payment solutions beyond traditional carded products, as well as increased data analysis, reporting capabilities, and security requirements. The GSA SmartPay program continued to grow through increased adoption as agencies realized benefits afforded under the program, such as ease of use, transaction reporting and data analytic tools.
+
+On August 31, 2017, Citibank and U.S. Bank were awarded GSA SmartPay 3 Master Contracts to continue providing payment solutions to government agencies.
+
+The GSA SmartPay 3 Master Contract has base and option periods that comprise a possible 13-year period of performance, running November 30, 2018 through November 29, 2031.
+
+## GSA SmartPay 3 Master Contract
+
+- [GSA SmartPay 3 Master Contract, Terms and Conditions (Current through Modification PS-17)](/files/sp3-master-contract.pdf).
+- Period of Performance: November 30, 2018 through November 29, 2031.
+- [Modification Summary Log](/files/sp3-master-contract-mod-log.pdf).
+
+### GSA SmartPay 3 Contractor Banks
+
+#### Citibank, N.A.
+
+- **Contract Number:** GS-36F-GA002​  
+- **Address:**  701 E 60th St N, Sioux Falls, SD  57104-0432  
+
+To obtain a copy of your agency/organization’s task order, please contact Citibank at 1-800-790-7206 (within the United States).
+
+#### U.S. Bank
+
+- **Contract Number:** GS-36F-GA001​
+- **Address:** 800 Nicollet Mall, Minneapolis, MN 55402
+
+To obtain a copy of your agency/organization’s task order, please contact U.S. Bank at 1-888-994-6722 (within the United States).

src/content/about/refunds.md

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+---
+title: Refunds
+description: "Agencies and organizations have the opportunity to earn refunds that can directly fund and support mission critical efforts."
+order: 5
+category: about
+tags:
+  - statistics
+  - refunds
+  - master contract
+---
+
+Agencies/organizations have the opportunity to earn refunds — money that goes back to agencies that can directly fund and support mission critical efforts.
+
+- An agency’s refund rate range has been established by the GSA SmartPay® 3 Master Contract.
+- Minimum refunds are a single rate that considers both volume of spend and speed of pay.
+- Minimum refunds may vary by Contract Line Item Number (CLIN) and business line.  
+- An agency and the GSA SmartPay contractor bank can negotiate additional refund incentives and document it in their task order.  
+- Agencies can maximize refunds earned by using GSA SmartPay payment solutions rather than convenience checks, personal payments (like cash or personal credit cards) and traditional contract payments.
+
+<iframe width="100%" height="315" src="https://www.youtube.com/embed/5iYRruEPUNM?rel=0" title="YouTube video player" frameborder="0" allow="accelerometer; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen></iframe>
+
+Example refund calculations can be found in section B.3.3 of the [GSA SmartPay 3 Master Contract](master-contract/).
+
+## Refund Background
+
+Unless an agency has specific statutory authority to handle funds received, 31 U.S.C. § 3302 states that incoming funds are to be deposited into the Treasury general fund. The exception to this rule is when funds qualify as "refunds" which are defined as "repayments for excess payments." Or, refunds can be defined as "amounts collected from outside sources for payments made in error, overpayments or adjustments for previous amounts disbursed." Under either definition, these "refunds" must go back to the appropriation or fund account(s) from which the excess payment were made.[^1] [^2]
+
+[^1]: Sources: Rebates from Travel Management Center Contractors, B-217913, 65 Comp. Gen. 600; May 30, 1986.
+[^2]: Accounting for Rebates from Travel Management Center Contractors, B-217913.3, 73 Comp. Gen. 210, June 24, 1994.  
+
+GSA originally looked into the use of refunds as part of the travel management company contracts. The Comptroller General found that if the contractor agreed to discount services to the federal government, the Government Accountability Office saw no reason prohibiting agencies from depositing savings to the credit of the appropriation against which the initial cost of the employee travel was charged.
+
+As receipts are actually a return of a portion of a prior agency payment and may be deposited to the credit of the appropriation against which the payment was initially charged rather than to a general fund receipt account. If the appropriation initially charged has not expired, the refund is available to support new obligations. If the appropriation account initially charged has expired, but has not yet closed, the refund is deposited to the credit of the expired account where it is available for recording or adjusting obligations properly incurred before the appropriation expired. [^3]
+
+[^3]: Sources:  71 Comp. Gen. 502 (1992); B-217913.2, Feb. 19, 1993; GAO, Policy and Procedures Manual for Guidance of Federal Agencies, title 7, §§ 4.3, 5.4 ; 31 U.S.C. § 1552(b).
+
+This same analysis and reasoning applies to the GSA SmartPay Program refunds. Under the GSA SmartPay program, refunds are discounts offered by the banks, which may be deposited to the credit of the appropriation against which the initial cost was charged. If that appropriation has expired, but not yet closed, the refund may be credited to the expired account where available. If the appropriation has expired, and the expired account has been closed, the refund would be properly credited to the appropriate Treasury general fund.
+
+The exception permitting the deposit of refunds to the appropriation initially charged is permissive in nature. If an agency declines the refund, it should be deposited to the Treasury general fund.

src/content/about/statistics-and-reports.md

@@ -0,0 +1,60 @@
+---
+title: Statistics and Reports
+description: "We offer statistics and monthly reporting on spend, transactions, and the number of account holders."
+order: 7
+category: about
+tags:
+  - statistics
+  - refunds
+  - master contract
+sidenav: about
+---
+
+We offer statistics and monthly reporting on spend, transactions, and the number of account holders.
+
+---
+
+## Program Statistics
+
+The GSA SmartPay® program provides statistical summary information and monthly reporting on:
+
+- Spend.
+- Transactions.
+- Number of account holders.
+
+GSA SmartPay statistics for fiscal year 2022:
+
+- Total spend was $32.8 billion.
+- $426 million in refunds earned.
+- Each GSA SmartPay account, on average, spent $419 per transaction.
+- The Department of Veterans Affairs was the top agency by program spend with $14 billion (41.7% of total spend).
+
+---
+
+## Sales, Transactions, Account Holder Data
+
+The following program data is provided for informational purposes only and should not be used to calculate agency refunds, basis points, or usage of GSA SmartPay® payment solutions by agency personnel. This data has been provided by the respective banks and has not been verified for accuracy.
+
+- [Sales, Transactions, and Account Holder Data (FY 2009–September 2022)](/files/stats-tool.xlsx) – Spreadsheets containing current statistics for GSA SmartPay Purchase, Travel and Fleet.  Note: For questions about usage of the tool and underlying data, refer to the "Frequently Asked Questions" tab.
+- [Fiscal Years 1999–2009 Card Sales, Transactions and Account Holder Data](/files/fy99-09-card-sales-transactions-cardholder-data.xls) – Spreadsheets containing fiscal years 1999–2009 data and statistics for GSA SmartPay Purchase, Travel and Fleet.
+
+---
+
+## Purchase Card FPDS Reports
+
+[FAR 4.606(a)(2)](https://www.ecfr.gov/current/title-48/chapter-1/subchapter-A/part-4/subpart-4.6/section-4.606) requires the GSA Center for Charge Card Management to provide summary government-wide purchase account data on an annual basis. We developed the GSA SmartPay® Purchase Card Statistics Report to report this data to the Federal Procurement Data System (FPDS).
+
+- [GSA SmartPay Purchase Card Statistics Report for FPDS (xlsx)](/files/purchase-report.xlsx)
+
+---
+
+## Refund Reporting
+
+The GSA SmartPay® program generates performance-based refunds for agencies/organizations.
+
+Types of refunds include:
+
+- Sales refunds: Based on the dollar or spend volume during a specified time period.
+- Corrective refunds: Payments made to the agency/organization to correct improper or erroneous payments on an invoice.
+
+- [Annual Refund Report (xlsx)](/files/refund-report.xlsx)