Three or four months ago, Dave and Leigh-Anne Hendrick had a conversation with their middle child, Lauren, about what she wanted for her 13th birthday. It didn't take long to get a response.

Northwest Bancshares said Monday that fourth-quarter profits rose 19.1 percent from a year ago, as a drop in loan and fee revenues was offset by lower operating costs and a lower provision to cover loan losses.

When it comes to sewer lines, the cost to install even a short distance quickly starts to run government entities millions of dollars.