the task inspector may have learned some useful information. it is also helpful if your task inspector knows the contractor because the contractor can provide you with a construction bid for what is going to take. so i want to leave you with some closing thoughts. one of them, as mentioned at the beginning -- be proactive. do not wait for the letter. get the inspection now. the second is keep really good records. [inaudible] they had actually been doing work over the years. they have been removing barriers. but because they were not keeping good files documenting the reasons why they widened a door or replace the hardware or remodel the bathroom, tracking exactly how much money they spend, they do not get a whole

lot of credit for the work they have done so far. but you also want to keep good records tissue products you will be taking on in the future. maybe you cannot remove that step this year or next year. maybe it will take you five years to get there. but you are providing yourself protection. >> good evening. we have a loan fund for small business owners facing ada compliance issues. opportunity fund is a non-profit organization sponsored by [inaudible]

to help small businesses that could not obtain a loan from their banks. we created a loan program for small businesses who are trying to become compliant. under this loan program, we can provide financing for small businesses up to $100,000. those are the small businesses who have been sued, and there are small businesses trying to preempt of a protect themselves against these issues. i will talk about the second rocket first. for the small businesses out there that have been hearing about compliance issues and what to protect themselves and make the improvement and have inspections done, we are willing to work with you and willing to look at the plans that you have

any inspections you have to enable you to have tenant improvement to become compliant. for those folks, we would recommend that you go and get a task report done and see whether the contractor can lay out the plan and complete the requirement and then come to us and show us your plan. [inaudible] and have had complaints against them because of compliance, we are also able to work with your peer the fundamental requirement for those is that we need you to finish the lawsuit or settle the lawsuit before we can work with you in terms of providing financing. the reason for that is the

conversations and these issues can go on for a long time, and we want to make sure that you fundamentally understand what you need to comply with and what are your obligations as part of the settlement of the lawsuit. obviously, it can cost a lot of money. we have provided financing before. it is a lot of money. so come and talk to the office of small business and make sure you have professionals and task inspectors and contractors lined up so that we can be part of that conversation in terms of helping you maintain your business and helping to stay in business despite the fact that a lot of businesses are being regulated by now.

if you have questions, my information is in the packet. we are more than happy to field any questions, but again, because there are different parts of this whole saga, we are all in different parts in terms of financing, but the loan program will be available. it will be available until the ada compliance issues are no longer there. >> thank you. any questions? [inaudible] we do have legal expertise and individuals with our mayor's office of disability. if you do have any questions at

all about things that you might have heard about or issues you are facing, it might be the opportunity to ask questions. any questions? >> thanks, supervisor. sorry for being late. i heard the gentleman say that the help for small business maximum is $100,000. someone else mentioned a repayment plan. a sort of interest rate and so on and so on.

business people show up here. a lot of restaurants and small businesses, and i am certain those members are very interested in this program. i myself have been faithful so long. that is why i am interested. hopefully i will be able to learn something and pass on to the people who need my assistance. if there's any way the supervisor would be able to generate a little more activity, maybe the location might not be perfect for the small orders to attend, and hopefully, we have another similar occasion to notify all those people to attend. but thanks so much for being here.

thank you. >> yes, so, the typical loan for small businesses, these compliance issues, the term depends on the loan amounts. the most we can do -- in terms of other qualifications, again, this is a loan program, loan fund. these are not grants. they are credits. we will look at the capacity to avoid loan payments and also the totality of the situation, taking into consideration whether there are legal fees or remediation fees that need to be paid. but i will say that we want to be an alternative for folks that cannot obtain financing from a bank. this may be a combination of that. maybe they need to go to a bank and get something and we can

fill the rest or if they get decline by a bank, we can come in and assist with financing. >> [inaudible] you can only do so much to get people here. that is why we are asking for help from not only our media partners, but those of you in the room. people do not often come to ask for assistance until they are hit with a lawsuit. until they receive a complaint letter or a threat of being sued, they do not take the issue very seriously. by that time, a lot of your investments are gone. you will be exposed to lawyer's fees, exposed to having to make copier repairs immediately. these are all things that are very hard for small businesses to weather. what we are trying to promote today is the fact that you can protect yourself as a small business if you are private

about it. it is a hard mentality to get people to think about, but that is what we're hoping people will accomplish. we know if you get inspections and that you really put together a plan, that over time, we might not be able to do it today, we might not be able to do it in one year, but if we can make changes over five years or 10 years, that really helps to improve accessibility issues. that is something that is really helpful going forward pierre the other issue that was mentioned is the fact that if you are a business that has received [inaudible] from a certified individual, you received a 90-day stint. the things that would not be counted for peer you can help to remedy the problem and get help, so that your liability at the end of the day is a very small one, hopefully. we know we will be heard from from our experts on a legal

side. a lot of them can really add up here this gentleman again had heard about a situation where someone had already racked up $40,000 with of legal fees. became an issue. we are not talking about what it costs to fix up which in itself would be excess of, but also the legal component. your word of mouth and the people you know will really help. and, of course, to our media folks, people will read your articles and understand that they can really do a lot to protect their businesses early on. >> i just want to add one comment about getting our association involved. we put together a really great training. we have a panel available to you. it is only going to cost you $35

for a 30-minute conversation, and that might be the best $35 you have already spent to avoid something that will be happening in the future. that is just part of the collaborative process with supervisor chu's office, and i am very grateful to her. there is a panel of lawyers that have all attended training and know-how to represent businesses and give you some expert advice. >> when we were first looking at the issue and working with different systems, we realize that there was an issue with how you get loans to be able to make those improvements, how you get expertise to help walk you through what you're supposed to respond to. one of the components we saw that was missing was that legal component. how do we find lawyers -- where can i find quick information -- it is not very typical that

someone already automatically knows a lawyer who can help them, so they might not know who to reach out to. they really put together a huge effort to train their lawyers that they become experts in this topic. that is something that i think is really important. as julie manchin, there is a $35 consultation that is available -- as julie mentioned. >> any other questions? there are multiple languages available. vietnamese, tagalog, chinese. just to let you can receive assistance from some very qualified individuals. >> any other questions? if not, thank you very much for coming. [applause]

>> i love teaching. it is such an exhilarating experience when people began to feel their own creativity. >> this really is a place where all people can come and take a class and fill part of the community. this is very enriching as an artist. a lot of folks take these classes and take their digital imagery and turn it into negatives. >> there are not many black and white darkrooms available

anymore. that is a really big draw. >> this is a signature piece. this is the bill largest darkroom in the u.s.. >> there are a lot of people that want to get into that dark room. >> i think it is the heart of this place. you feel it when you come in. >> the people who just started taking pictures, so this is really an intersection for many generations of photographers and this is a great place to learn because if you need people from different areas and also everyone who works here is working in photography.

>> we get to build the community here. this is different. first of all, this is a great location. it is in a less-populated area. >> of lot of people come here just so that they can participate in this program. it is a great opportunity for people who have a little bit of photographic experience. the people have a lot, they can really come together and share a love and a passion. >> we offer everything from traditional black and white darkrooms to learning how to

process your first roll of film. we offer classes and workshops in digital camera, digital printing. we offer classes basically in the shooting, ton the town at night, treasure island. there is a way for the programs exploring everyone who would like to spend the day on this program. >> hello, my name is jennifer. >> my name is simone. we are going on a field trip to take pictures up the hill. >> c'mon, c'mon, c'mon.

>> actually, i have been here a lot. i have never looked closely enough to see everything. now, i get to take pictures. >> we want to try to get them to be more creative with it. we let them to be free with them but at the same time, we give them a little bit of direction. >> you can focus in here. >> that was cool. >> if you see that? >> behind the city, behind the houses, behind those hills. the see any more hills? >> these kids are wonderful. they get to explore, they get to see different things. >> we let them explore a little

bit. they get their best. if their parents ever ask, we can learn -- they can say that they learned about the depth of field or the rule of thirds or that the shadows can give a good contrast. some of the things they come up with are fantastic. that is what we're trying to encourage. these kids can bring up the creativity and also the love for photography. >> a lot of people come into my classes and they don't feel like they really are creative and through the process of working and showing them and giving them some tips and ideas. >> this is kind of the best kept secret. you should come on and take a

class. we have orientations on most saturdays. this is a really wonderful location and is the real jewel to the community. >> ready to develop your photography skills? the harvey milk photo center focuses on adult classes. and saturday workshops expose youth and adults to photography classes.

>> pilaties. it's a creation, an old regimen of exercise. really based on core engagement and core structure and core development. we do a lot of exercise in developing that and think about lengthening of the spine and our muscles. if you're a runner, if you're into kayaking, martial arts, cycling pilates are for you. >> programs are variety year around at various locations and to learn more come to the

richmond athletic cente >> welcome to the beautiful historic tea gardens, the oldest in the united states. this provides visitors from around the world to enjoy the natural beauty, harmony and tranquility of the park in the heart of golden gate park. >> as you can see the garden has a wide variety of plants here,

almost a hundred species from japan and china and bamboo and native plants. >> they're trimmed to a human scale so you relate to them on a human level. >> this is one of my favorite sections and you can see the goarnlrous maples by the bamboo back drop and especially beautiful in the fall when the leaves start changing colors. just around the corner from maple lane this little garden is called a zen garden, a dry landscape garden and constructed here in 1953. this was originally designed by zen monks for the ground. their main purpose was to create a trairchg tranquil setting for the monks. this is

no ordinary bridge. it's made of redwood, oak and cedar. the high arch style makes it easy to pass under. the newly refurbished tea house is in the center of the gard scpen a great place to eat and chill as you take in the view of the garden. if you wish you can experience the rich cultural tradition that celebrates the preparation of green tea or matcha and your host dressed in the ceremony will demonstrate how to clean the utensils and receive and drink tea with ancient japanese customs. the art of the tea ceremony once available only to priests and nobility is

completely accessible to you here in the house at the japanese tea garden. located just across from the tea garden is the awesome segue tours there are two ways to use a scooter to venture through golden gate park. tour or a rental in the company of a guard that can whiz you through the park tour and see the conservatory of flowers. >> so much fun. woo. >> segways on a echo way to see gold park. check it out and stop by after your tour of the tea garden. it's a great way to play in the pa