dramatically up. they immediately sliced and diced and securitized the mortgages, sold them off. so, they've already been paid for these mortgageses. don't worry about the banks. ~ they in many cases they've already collected insurance on them. then they told -- they manipulated the credit rating agencies into rating the securitized mortgages as aaa when they were in fact junk. they have deprived every county in this country of recording fees because they used the mers, which is the mortgage -- is that the end? [inaudible].

good afternoon, james green, resident employed by the city as a paramedic. recently an 8 month pregnant woman began bleeding profusely. her husband called 911. the [speaker not understood] recognized the rapid weak pulse and decreasingly declining blood pressure. the paramedic notified the respondent and ambulance paramedic which fortunately arrived moments later. this is becoming more and more not the case to bring a back board because the patient cannot be moved sitting in an upright position. the patient was rapidly moved to the ambulance. transport today san ~ transported to san francisco general hospital, stabilized the blood pressure, intubated to maintain oxygenation, notified the hospital so they knew whats was coming in. ultimately the mother took five units of whole blood to prevent shock.

the baby required an emergency c-section to survive. i'm happy to report the mother and child are doing fine. contrary to what the mayor said to you, supervisor breed, in an earlier supervisory meeting it's not enough to get a paramedic to your door in 5 minutes or less. it requires the engine paramedic as well the ambulance paramedic. if you are unwilling to fund the request for us to get to where we need to be to keep from losing our exclusive operating area i would ask you to hold the department accountable for using the money that it has to make sure that it hires the additional personnel as well as getting the additional ambulances. we're at a critical juncture and the state is breathing down our neck. it shouldn't be taken lightly. and i would appreciate any help you can give us.

[inaudible]. good afternoon, supervisors. my name is abigail [speaker not understood], i'm the executive director for legal services for children and i'm here to support supervisor campos's legislation on unaccompanied immigrant children. legal services for children has worked with us incredibly vulnerable child community for more than ten years and through that time i've heard the incredible stories of young people fleeing intense violence, violence so intense that they could not leave their homes to go to school or to work. they were literally shut in their homes in honduras. in extreme poverty in guatemala [speaker not understood] in many of these cases. because i've heard so many of these stories i was particularly alarmed last wednesday when someone sent me some news coverage of protesters of one of the buses taking immigrant children and their signs that said return to sender. and i walked around the whole day with a pit in my tom

acthinking about all the young people that we have worked with and the response that they were getting at the border. but my day got a little bit better because late in the day i got a call from supervisor campos's office saying that he was going to introduce legislation and i remembered that no matter what is happening in the rest of the country, san francisco has the opportunity to do the right thing. and i think in this situation we have an opportunity to be a leader and to have a response that is humane and is compassionate. and, so, i want to thank supervisor campos for this legislation and urge all of you to support it. thank you so much. hi, my name is cathy buick, i'm here representing the american federation of teachers local 20 and 21 in support of item 74. and i have the statement to read from our union president. aft 21 21, the faculty union at city college of san francisco has endorsed the eighth came

pain to have the city of san francisco declare that it intends to work with the city of richmond to form a joint powers attorney to prevent foreclosures. we at ccsf of teachers of all san franciscans, particularly the low-income and working class communities of color who are most threatened by foreclosures and growing income inequality. we see that the threat through accreditation and emission of college is connected to the threat of working class san franciscans. it is part and parcel of inequality agenda that threatens all of us. we urge the board of supervisors to save people's homes so they can remain a vibrant city for all. thank you. (applause) my name is gladys gonzalez and i'm here with the agenda [speaker not understood] and san francisco cares and this is

something that all of you have to know. that we are here to tell you about what happened to our house. we've been having a hard time to pay our mortgage. and every time it's getting up and up and we are here to ask you to support that as san francisco resident. thank you. (applause) my name is christie akim. i'm a resident of bernal heights, lower personal heights near recida park. i'm here to urge you to support item 74, the san francisco cares resolution which would provide critically needed mortgage principal reduction to homeowners who are struggling with under water loans or who

are otherwise facing default or foreclosure. i, you know, the problem in this city may not be as great as in other cities like the rich 340edctionv, but for anyone who is facing the loss of a home it's serious 500s. ~ enough. and i know how they feel because i lost a home myself. my late husband and i had a house of 25 years in >> no. >> no. noe valley and it went to auction four years ago ~. but i'm not here because of myself. i'm really here because of predatory mortgage lending and how it has contributed to this crisis and how it has devastated neighborhoods in san francisco. i kaz called to help at a home defense action in the bayview about three years ago with a 74 year old grandmother and i was absolutely shocked to learn how many homes in the bayview were either facing foreclosure or

default. and on streets like [speaker not understood] it was almost every other home. and this to me, i thought it was an outrage. when i learned this was happening in similar african-american and latino neighborhoods across the country, that banks systematically targeted these neighborhoods for these lethal predatory loans that are much higher cost. they have lethal terms. they have consistently climbing interest rates and big balloon payments and all kinds of buried fees and penalties. and they're very averse, they're criminal. in fact -- so [inaudible]. (applause) >> thanks. next speaker. good evening, supervisors. my name is [speaker not understood] and i wanted to speak in a general about type of legislation that purports to

strengthen a social safety net and not specifically about the alt ordinance which you already passed through committee. my comments are this. please consider that when we consider any restraints on certain types of individuals, we may be opening a zone of coercion in society. and while we may address that a holding tank is not a bad place to do a quick mental health assessment, many people don't feel that the sidewalk or a crime scene is such a place to do such assessment. i ask that you notice the world in which we live has changed quite a bit. neuroscience is the new product of physics. there is a great hardening in society and economic disparity between the rich and the poor while these thing do factor in. and it's good to have a

checklist to make sure that any legislation does not unfairly target the poor and the unemployed and the people of color. for every dollar spent, good dollar spent on behavioral research unfortunately the truth of our world is that more money spent to find ways to destabilize in efforts of one kind or another, and please avoid new zones of coercion. thank you. good evening, supervisors. my name is tony robles. i'm with senior disability action. i'm here to urge you to vote in favor of resolution 74. personally, i know many people that have been severely and profoundly affected by the mortgage crisis. i know people that have lost their homes. i know people who have fought back and been able to keep

their home such as mr.and mrs. [speaker not understood] who are in the audience ~ this evening. the resolution will demonstrate the resolve of the board to use eminent domain and to use these vehicles with which we can take these mortgages and make them manageable for people that have been targeted. it's a fruit of a poison tree situation that we've had here since 2007. if you're black or brown in san francisco, it's bad for your health, really. i mean, being targeted by these financial institutions that care nothing about our community, care nothing about our history in our community, and i speak as a san franciscan who has lived here since 1954, i come from two communities that were profoundly -- profoundly affected by

gentrification, in the fillmore and in the manila town areas of san francisco. what we're asking for is equity and we're asking for a viethtioning chance for people, working people who have become an endangered group here in san francisco. ~ a fighting chance i am one of them. (applause) and i'm not going to leave san francisco. i'm not leaving, i'm not going anywhere. i'm not going anywhere. my com padres here aren't going anywhere either. you're going to have to deal with this. thank you. (applause) >> next speaker, please. hi, my name is [speaker not understood]. i'm a long-time -- i'm a native san franciscan. i'm born and raised. i'm the grandson of two immigrants, one from spain, one from russia, you know. and i'm here to help -- to hope that you vote for san francisco cares, you know. it's a process, you know. we live in a diverse city.

if i look at the board of supervisors, now, i'm looking at you two people. you don't look any different than the people behind me. without them, you won't be here. and if we get a lilly white board of supervisors, we're in trouble. [laughter] you know? it's a slow process and it's a beautiful city, you know. i've lived here 69-1/2 years and i've seen a lot of change, you know. the farmers market, i used to go play down there in the swamps when we were kids and -- please, vote with your heart. give us a chance, you know. and i was appalled when i seen those buses being turned back. i would be shamed this is not the country i fought for when i was in the service, to turn away people. mr. campos, you know, i hope that it goes right for you.

you know, think with your hearts when you vote for san francisco residents, you know. my kids are going to get a home that they inherited, they're not going to be able to afford to go out and buy one. so, think about it. bye. >> thank you. next speaker. (applause) hi, good evening. i'm here to support the s.f. cares program. i've been [speaker not understood]. i applied for [speaker not understood] denied and denied until i was evicted out of my home. and please support the cares program and, and please, thank you. (applause) hi, good evening. i thank you all. my name is margaret [speaker not understood] and i'm here to support everything in front of you on this particular issue.

i've been living in my home. i raised my three children and now i am treading water. i want to keep my home. i want to leave that home to my children when i'm gone to the other world. so, i urge you to please support us because we are working community. we work so hard for our home and it's not so we lose it because this bank are taking over. i left my job two years ago. i'm an organizer and i'm an advocate for the children and the kids that [speaker not understood]. so, i know well what i'm talking about. so, and someone mentioned earlier, we the people of color suffer twice. we pay twice. so, i'm in the excelsior district and i'm facing problems. and i'm also an immigrant.

i came long, long time ago, even though i don't have the issues that we're facing, [speaker not understood]. so, i urge you, i implore you, please support, give us your vote. thank you. (applause) >> next speaker. good evening, supervisors. my name is amy shore. i'm the statewide campaign director for the [speaker not understood]. i think many people know we have been fighting in the trenches the last four or five years to save homes and stop foreclosures. we worked with a.g. harris to pass the bill of rights. we have a long way to go. i'm obviously here to support the resolution on cares community action to restore equity and stability. and i'd like to thank supervisors avalos, kim, campos and mar for co-sponsoring this. i'm sorry we're missing some of the supervisors here, but there

are good reasons why it's not easy to stand up to wall street. they have us all in a debt trap. individuals and municipal government, which is why we need our municipal public bank, but that's a fight for another day. and talk about toxic stress, yes, anyone who has tried to negotiate with their bank about the terms of their mortgage, wall street is used to setting the rules of the game and we know what that game has done to communities, particularly communities of color, causing massive loss of wealth, massive displacement that is being accelerated here in san francisco. one element of their game is buying and selling of loans, the loans which, you know, homes, homeowners and lives are attached to and often these loans are being sold to wall street speculators, some of the largest private equity firms in the country [speaker not understood]. with the cares program we have an opportunity to intervene and acquire the under water loans and get good actors to fix them. we make sure the city is protected. the city of richmond and other

stakeholders to have the joint powers authority to negotiate a contract with the private partner, a private partner who commits to covering operating support, quality legal support, commits to indemnifying the jpa for [speaker not understood]. we're asking you the board of supervisors to -- there is no other program for these particular folks and for anyone who questions whether these homeowners deserve help, i've looked at these loans and if you know anything about [inaudible]. >> thank you very much. [inaudible]. >> thank you very much. thank you. next speaker. (applause)

hello. i am speaking on behalf of prop 74 so you guys can vote for it. i'm here -- [inaudible]. >> this is the daughter of hector castro. he's lived in the bayview for 10 year. they've been fighting to keep their home for four years. it's desperately under water. it's hard for families to speak on this. i just came upright now to talk. do you want to say anything? i think we've all been talking about foreclosures for a while. you've heard a lot about people complaining how the federal

government and the state government should do something. ~ i think we're tired of hearing and listening crocodile tares. ~ tearses. these are real tears of families who want to stay in their homes. we're asking that you support item 74 and the joint powers of authority. (applause) >> thank you. next speaker. first of all, i've got to say the food that you serve for the [speaker not understood] housing program is horrible, especially for a city that gets $8.6 billion. i've seen food that was molded [speaker not understood]. don't let richmond out liberal san francisco, for real. as far as san francisco, i heard a black man, black

businessman from texas call san francisco johannesburg. he's from texas, you know. so, then another thing, too, is i think you have a chance to use outmigration the right way because the first time it was used or it's been used in the past ts' been used to get rid of people like me and destroy the african-american social hub and i wonder how the black community would be today if that social hub wasn't destroyed. that's pretty much it. (applause) >> thank you. next speaker. good evening. my name is [speaker not understood]. i'm a resident in [speaker not understood]. i lost my house to the bank in march and they sold my house

for $4 49,000 [speaker not understood]. actually, i wasn't able to beat the odds and gain my house back. in 2011 i had a judgment from superior court [speaker not understood]. refused to reregister the property in my name. he registered it to bank of america instead. so, now [speaker not understood]. the house is gone. you know, [speaker not understood]. it's not just me. [speaker not understood]. we are down 3.6% [speaker not

understood] with the cares program. do not participate to environmental genocide. let's call it what it is. do not prostitute your soulses. [speaker not understood]. ~ we're going to make sure this doesn't happen. we need your support and you need your honesty and integrity to be with us for cares. thank you. (applause) my name is mike brown. i'm a member of ace. thanks to ace i've been paying my mortgage with wells fargo since 2007 when it was originally [speaker not understood] at 7.2% interest rate. and for the past two months, i'm not paying it no more. i'm staying with ace and if

they can't reduce that interest rate then we're going to go to court and we're going to take it in federal court. but i really want to tell y'all that we're talking about revolution and ideas and things that they're talking about outside the box, using general fund money for the school district when the school district probably needs more help, could have put a lot more in the neighborhoods to stop this violence. you know, you guys are talking about the immigrants. i don't like the way they're treating the kids and all this, right. so, let's not stop being revolutionary when it comes to helping these people save these houses. (applause) because the real, the real help when it came, if you guys have these initiatives that y'all just put aside for these developers put aside, 10, 30 million for these low-income houses, where is the commitment trickle down some of that in the community? we say [speaker not understood] but i don't see it coming back.

maybe they're giving a few jobs. they're making record profits. so, you know, i like mr. avalos's idea. we need these community banks to be able to loan and get that social equity, man, you know. we ain't got to be a lawyer to these deep pocket political begers. i know you got people backing y'all. they have to have a heart, too, and give something back. on this one here, we need you. thank you. (applause) >> next speaker. good evening, i guess it is. anyway, my name is [speaker not understood] and i came to speak

on the issue of response to the [speaker not understood] suffering. it was very hurtful to me to see what happened here today. i know it's not public speaking before the vote, but anyway, i feel like francisco is not a sanctuary city to people who are suffering on spaeerctionv issues. ~ [speaker not understood] issues. san francisco is psychiatry and biological oriented. i was trained in the field. and i'm bipolar, and i got better in spite of the system that poisoned my first unborn child by prescription in 1987. i've been in [speaker not understood] support housing. i was very mistreated in this city. nonprofits are extremely lucrative, millions of dollars. the answer is not so simple. what kind of drug are they going to give people, give you amnesia?

everybody doesn't have a brain disorder that has a chemical solution. people have traumas, all kinds of things and it's not, you know, locking people up and druging people is not the answer. and we need housing. we need alternative services by peers, by cultural groups, language groups. it hurts me to see san francisco further stigmatize people. who is going to protect us from the providers, you know? from the psychiatrists? they have a lot of suicide rates themselves. dsm has path vthv >> aye. vx >> aye. vv ~ path vx >> aye. xed [speaker not understood]. >> next speaker. thank you for this opportunity to speak. my name is mary joe [speaker not understood]. i've lived in san francisco and worked with a nurse for the last 49 years. four years ago my husband and i

were four years into a losing battle to try to save our home and we bumped into the line in a cashier's line at safeway. someone who said he thought he could help. and i thought, yeah, right. but i checked it out and they were correct. and within two months they put on a massive campaign in front of the bank of america on 24th street and they took the 500 signatures to a main branch downtown and within 24 hours of that, bank of america called in 24 hours of that call, they dropped our mortgage rate from 6.5 to 3.625. that's how fast it can happen. i'm very grateful that we have a home because right now there are 10 people living in it. that would be 10 on this, people. it's not a piece of cake. wells fargo would not work with us at all on our second mortgage. at age 70 i'm still working 50 to 60 hours a week as a bedside nurse to payoff a second mortgage so i can afford to

retire. so, i'm really here to ask the support of this program to join with richmond. the financial institutions have circumvented the laws of free contract by fraud and bad faith. and what you have before you is a moral decision. thank you. yes. (applause) hello, supervisors. thank you for hearing me. i'm tony kelly. i live in potrero hill. i'm speaking the dissent of my neighbors throughout the southeast side of the city who have been threatened by foreclosures and in support of s.f. cares. for enclosures have been a dee bill dating disease in our part of town, five, six years. ~ debilitating [speaker not understood] when that happens today. it's a very slow disease. if there was an epidemic, if there was a disease targeting one portion of the city, one

population of the city, we would put resource he into it. we would treat it as an emergency. we would invest in it by any means necessary. that is what we need to do today. it's what we do. it should have happened years ago. walking through the [speaker not understood] scene, the lives in the real estate maps of home prices, bayview is not immune to that. we see the increasing home values, but we also have the highest unemployment rate in the city. that is the outmigration, ladies and gentlemen. that is the outmigration staring you in the face we need to take action on that. especially with the reset in mortgage rates that is coming next year, it is becoming an emergency yet again. ~ and we need so many people in this room, so many people had to move for closure happened every day for years. every single day we could do something about that. every single day the people face and their neighbors take action against banks to try to save their homes. every single day the board could have done something about that. this is ach