Association of Contingency Planners - South Texas Chapter: Services Cooperative Association: Houston CrossRoads Business Building Breakfast. 7:15-8:30 a.m., H.E.S.S. Club, 5430 Westheimer. Stephani Brand, vice president and branch manager, and Vicki Byrd, both with Charles Schwab. Monthly continuing education program. Noon-1 lunch and networking, 1-4 p.m. presentation, Bo's Place, 10050 Buffalo Speedway. Annual continuing education seminar for engineers.