very prominently, an equity officer, which is an important position. the operation, which is where most of d.p.h. is going to be, and then planning and logistics. all of those things need to work together, and so we are under one command structure so that we can see that integration. continue forward. i apologize. sorry for the loud place i'm in. there's literally no private place in this building. unified command includes lots of leadership staff, and that means we're having commands from the outside world. the health services is led by jenna bolinski, who's from our dsfg quality staff. community is led by tracey packer, who leads the equity

and promotions staff within population health, and those folks are under this yellow block under operations, but that means that they're also overseeing the human services, which is doing housing and feeding. [inaudible] >> -- within population health, and that modelling that they're

doing is both our normal work of taking in public results of infectious disease tests, but it's also new work that i think is really an advancement of what we normally do in the department, working with outside assistance for modelling and making sure that we are able to project into the future. and that is led by jim marks, who is an anesthesiologist and many others in that structure. go forward. i'll let you know that all of the guidance that comes out is part of the information and guidance group that is headed by reeta nguyen, dr. rita nguyen, and she is part of

population health and leads a team of doctors and physicians and they write all the research about what the current recommendations are. that group had been separate and part of the health bridge, and we had moved it over to the public information section to make sure that the public information that that group is meant to put out is informed by the medical and scientific information and information and guidance is gathering, and that the information and guidance that we want the community to have can be aided by the marketing and media knowledge that is in the joint information center, so we're hoping that that increases the transparency and understanding of the publics about the issue that we have. go forward. so briefly, these are our citywide priorities for this operations period? our operations periods are a week long? this one started on saturday? we maintained similar objectives from week to week, and we have longer-term goals

that we want to achieve, but the objectives for each week are really those of that week and what we want to complete by the end of that week. so these are our priorities that are the longer ones, and we can talk about what the priorities are. so we want to ensure the health and safety of vulnerable populations and essential workers? we want to reduce transmission of covid throughout san francisco, and that is its own goal, and sometimes reducing transmission is different than some of the -- the actions that you do for that is different than the others. we used to say prepare for medical surge, but now, we're in it, prioritize equity and represent community needs in response to planning and implementation. the fifth one is maintain strategic public education campaigns that data, response, and public expectations and

requirements, coordinate with citywide reopening and recovery initiatives, and planning for and coordinate during multihazard events. the same people that are working are the same people that would respond to a fire emergency, earthquake, so we want to make sure that there are people available to respond to many other events happening in san francisco. go forward. so the way those have been transported as very specific objectives and things to complete, and we complete those under the direction of the policy heads. some of the most recently have been the surge play books which gives different levels of responding to the number of cases and hospitalizations within the command center? so it is a way of us being sure

what we know at what level our contact tracers need to be staffed for the number of cases that we're having, but we also make sure we know that for our housing group, our community group around communication, so we want to make sure that we're prepared for things to both get better and to get worse, because this is going to be a dynamic process. community neighborhood strategies, and that is how do we partner with communities to engage in services that will help reduce transmission, and how do we partner with community to make sure that they can help achieve the culture change in their neighborhood that needs to happen? so are people wear masks? are people social distancing? what is need inded in that neighborhood to change that setting? we've begun assessing last week face covering and social distancing compliance in key neighborhoods, showing, really,

that we're not at 80% in almost any neighborhood and some neighborhoods are quite low, which is good information to have because as we look at where our transmission is high, we can look at changing compliance or mask requirements in those areas would something to do. we need to fill our coffers with people who can respond. we were expecting to have surge somewhat in the future, so we thought we had time to address those into the futures, and the last is the testing strategy team, and we are building it with other clinicians and operational staff to help determine what the citywide strategy will be and to monitor that. d.p.h. is doing quite a lot of the testing, but the decision

making around that and who participates is going to have to expand in order to be effective. so how do we do that? who is doing what, and who is needing to be encouraged, and what the state of the art is? how do we move to the next thing, how do we improve our responsiveness, and how do we stay aware of what the technological limits and opportunities are? one more. go ahead. so i want to be sure we'll speak about equity. we'll speak about it more when we have the resolution, but the things we're trying to make sure we're achieving is community collaboration, make sure it's more than informing, where community voices are impacting the decision we make, and that is not just an altruistic act, it's achieving

behavior change and things that we need to participate in if the community is leading them. the neighborhood change has to be built with the community. we need community to be part of that, and that needs to be equitable, where we're listening to the voices of the people most impacted. we need behavior change, so because we're told by an authority that something has to happen, it has to happen within the culture, and then, we need that infrastructure within. just as we decided we need infrastructure within the department of public health, the city has decided it needs infrastructure, and we need infrastructure here, so we need someone in equity, someone who is really responsive when community feels we are not

keeping our eye on it. last one. i just want to be sure that everybody understands that geography. at the above, you're seeing tests per 1,000, which is quite high for san francisco. it does vary, but it's quite high for some groups and quite low for others. there are some groups on the high end that have a high number of positivity, and those are the neighborhoods that we need to focus on. when everybody was sheltering in place, that was not as much of a priority. we have a risk of neighborhoods based on the covid geography that need special attention? and that is because of crowded housing, low rates to health access, food insecurity,

transportation access. those are all things that either make you live in a house where transmission is more likely to occur. all of those things make you more likely to get covid, and the existence of one or more of those things makes it more likely that people will get covid. i just wanted to give a little bit about equity of d.p.h. since i am not there. i just want to show you that the office of equity does still exist. so we are adding a manager of workplace equity that was already planned, and we were continuing the learning series. the equity learning plan is on video, and we're hearing it's a positive things. we've designated area leads in various areas of the department and still convening the equity champions? planning virtual versions of

the equity fellows, which was going to be the purpose of eng witness training for management. announcing the equity learning department for h.r. we're going to have four hours of training required, and going to designate trainings that can be used for that requirement, and it's over the whole year. the area equity leads are still there. they've just started a program. they are having specific area goals, and they're continuing to develop programs. today was the launch of the 21-day equity challenge, which was asking people to learn a little bit of history or practice a thought or activity that might help them in their development of an equity lens, and then, we have an on-line training that's specific to the background of health equity that we think everybody needs to have. that should begin in the next month. yes, we are at the end. thank you very much, everyone. i am perfectly open to

questions about both what i did say in the structure or perhaps things that i did not outline, perhaps questions about how the command center is functioning. >> and commissioners, if i may, you all went right to questions without asking for public comment, so commissioner bernal, is it okay if i check for public comment. araceli, do we have public comment? >> yes, we do. i'll go ahead and pump in the first call. >> thank you. and callers, you have two minutes, so once you start talking, i'll start the timer. are you on? >> hi, yes. my name is juliana morris. i'm a doctor at san francisco general. i'm calling to ask the health commission to take action to support the growing movement to

remove the s.f. sheriff's department from the department of public health and the hospital. law enforcement is not the appropriate security service for health care spaces? in fact, security services didn't even enter hospitals until the 50s and 60s, coinciding with backlash during the civil rights movement and hospital desegregation. the racist roots of this practice are clear. we want deescalation response teams that are skilled in trauma-informed care and are able to help people in crisis and not in need, not just eliminating the threat. we want the $20 million in the d.p.h. budget for the sheriff's to be redirected to building these teams and into things like housing and mental health care that will reduce the number of crises at the d.p.h. sites. of course we realize that the department is dealing with a lot right now and multiple

pandemics. we cannot wait to address the pandemic of racism, and if covid has taught us anything, it's that we can make changes when we have an urgent need. so i'm asking the health commission to cancel the m.o.u. between the d.p.h. and the sheriff, create a committee that will provide oversight and help develop these alternative systems, remove the funding from the sheriff and invest in true community safety. thank you so much. >> thank you. araceli, is there anyone else? >> yes, we have four more. [inaudible] >> oh, welcome. >> my name is glenda barrows. i work at san francisco general. so i'm calling in support of making racism basically a health issue because i believe it is, so i'm in total support

with diana bennett and what she's putting forward. but the other thing that i want to talk about is i also was listening on the employees, and i was a little bit upset they want to talk about -- at the same time praising all the work we're doing, what a wonderful job we're doing, we're all putting our livies at risk, bu at the same time, they want to pick our pockets. i want to let you know, i'm a union person. that's the part they didn't tell you. there is no employee group that i know of that is willing to come in and give up our wages. now some people are willing to talk about other things, but ywe don't want to calmly give up our wages.

also, on the covid and the testing, they saw your new policy that we've been doing that we've been getting complaints about, is that people getting tested, they're not getting sent home, they're being told to go back to work. and particularly at san francisco general, people were testing positive, and then, they were exposing other people. the workers have a problem with that policy. we really want you to look at that and see if something can be done about that because we don't feel like if somebody gets tested, even if it's random testing, they have an accurate test that can be done in 24 hours, there's no reason that person can't be sent home for those 24 hours. >> all right. your time's up. thank you. >> okay. i'll get the next caller. >> thank you. >> my name is andre johnson. i am a social worker with the san francisco department of

public health. i'm calling to declare my support before the commission -- >> i'm sorry. i apologize, i know your comments are important. this item is not the resolution. the resolution is going to come in two items, so if that's not your public comment, could you please hold it? this is about the covid update. >> okay. thank you. >> okay. i'll take the next caller. >> hello, caller? is there someone there? >> i can just come back after the next caller, then. >> great.

thank you. so just to make clear, this is a covid-19 public comment. there's general public comment coming up, where you can talk about anything, and then, the resolution is the item after that. do we have a caller? >> okay. caller, are you there? >> thank you so much. hi. my name is camille, and i'm calling from mission district 9. i listened closely to your earlier presentation, and i really appreciate that there is such a strong focus on community and neighborhood strategy and that there is so much equity work that's going to be done. but i am calling because i recently learned about the amusing efforts about the

latino task force. i'm not with them, and i don't represent them in any way, but they requested 1,000 tests, and they were given 100, and eventually given only 200. we are the center of the covid outbreak in san francisco. how short on tests are we? i know it was mentioned earlier in the presentation that there was a shortage, but if we're one of the most vulnerable neighborhoods and we're being underserved by almost 80, 90%, i want to know why that is so. i also know when i go on-line to get testing from covid sites, many sites are slowly disappearing. the fillmore sites has disappeared. i know that public health is an

initiative, but i'm looking for those initiatives especially as a part of the mission community, so i'd appreciate it if someone could address that, as well, today. >> thank you. generally, just for all of you to know, in terms of public comment, public comment is always welcome, and the commissioners truly take it to heart and listen to you. they don't always respond, but they will address the issues that they feel are appropriate in discussion and asking the d.p.h. or other staff to address the issue in a future meeting. is there another caller? >> okay. i've gone and muted the caller before, so caller, if you're there, your turn. >> caller, not able to hear you.

>> they are having some issue. okay. so in that case, that is the end of the queue. >> thank you so much, araceli. commissioner bernal? >> yes, thank you. dr. bennett rngsi apologize fo giving you three titles in this meeting. i have a question. the first one is in terms of operations. although i understand it's a coordinated command center where coordination is really key, there are some different roles that the agencies still play, and my question is for those not in housing or unsheltered? how is that delineated. i know that some are for health

care and frontline workers, and others is for homeless. so how is that prioritized for hotel space and then helping them get into hotel rooms or whatever shelter is available? >> so human services is the department designated for emergency services? so it is h.s.a. that is in charge of housing. they are also undertaking feeding and other things to serve people, but the housing does live there. the h.s.h., they have services for people experiencing homelessness in particular, or a combination of h.s.a. or h.s.h., so the combination of those two agencies together collaborate make sure that's happening. there's efforts happening on a larger city level. it is happening within the

command center, and there are two balances to that. one is sheltering in place so they can't be outdoors, and the second is the vulnerability to covid so that is how that prioritization has been made. if you've been noticing, the c.d.c. has changed their prioritization more than one time as the information about who is vulnerable to covid has changed over time as we learn more? and so the health department's role is to help the other agency social security understand who's at risk and how much risk, and the ways to do whatever they're going to do as safely as they can. we're not the decision maker about how housing is done or who gets housed, but i think we're a very important collaborator in making sure that it is done in a way that

is promoting the overall goal of protecting people from covid. >> and those priorities also include workers who are frontline workers or essential workers or are risking exposure and then might be at risk of exposing members of their household, correct, for housing or hotel rooms or other things. hello? >> dr. ayanna -- dr. bennett. >> there are testing for health care workers. those things are advised by the department of public health. testing is something that we have much more control over. the housing is done by h.s.a. and done with other things that

they've been asked to provide, so i can't speak exactly to that program, but yes, that is one of the higher priorities is protection of essential workers. >> and then just one other question with regards to the mask compliance study, which seems to be a critically important effort. once you gathered the numbers, what kind of strategy would you engage the communities in which we're not seeing the level of compliance that we would like to see? >> so that is one of the things that we need to build communication in levels of communities for. knowing that people aren't wearing their masks, is it self-protection, is it family protection, is it something at their work that's preventing them, is it cost that's

preventing them? we can't always answer those without real collaboration from people who are part of that community. the second reason we need community is to find out how to reach the people bho need to be reached both with the messages that -- we need help with the effective messaging, but those are things we need to understand, perhaps they're not getting our messaging, and then providing the mask, providing policy around workplaces, and that is the problem. so understanding the problem and then using all of our levers, communication, policy, legal resources, and all of the various things that the community can provide.

>> thank you. commissioners? mark, do you see anybody? i can't see. >> dr. chow. >> dr. chow. >> yes, thank you, dr. bennett, and a very excellent discussion, also, of the operations. so i have two questions. one, as you have people who are from the people who are like yourself, also critical to the mission of the department, is this a full-time type of allocation and then, you have other people and you're working double time? how do we cover key people who you have listed who are really great, and that's probably why they're selected for the covid collaboration? >> so the really difficult job of finding out how to do an entirely new operation while

continuing our operations, which are critical, we do things that just can't be stopped -- and it has been a challenge. it has not been an easy thing to figure out, but i do think we have struck a balance between maintaining operations, and that has been done by returning people who were here and replacing them with contractors or others or shifting that work to another department, but also by integrating the work of covid that people are doing in continuing operations? so for example, environmental health has people here, and the work that they've been doing has been added back to their work. other people are being backfilled. like myself, the manager that i'm almost done hiring will be

carrying a lot of the office of health equity, and that is similar for other departments? it is very unusual for somebody to be doing more than this job. it is not only all consuming, and we have gaps that still haven't been filled, so we don't have more staff than we can use, but the other is things change so fast. if you're off doing something else for a few days, we have made critical decisions that you are very behind on at that point, and just the circumstances change. we have resources, and then, the lab doesn't have resources anymore because we can't get reagents. so various things happen that are out of our control that we need to respond to. when we need someone, they need to be there. they can't be dipping in and out. there are some that are doing other things, but that is not

common. we are mostly making arrangements with the network, with population health on how they can maintain operations as best possible while also people going to the command center to do this operation. >> well, very clearly, it is a -- really challenging, and as other commissioners have indicated, really grateful that people like yourself have really stepped up and continue to do, as you say, the work that has to be done, along with the very key work, and congratulations on being head of this program. one question which is more technical has to do with the testing strategies. and your chart was great and sexu certainly keynoted on some of the areas that we're concerned. on the other hand, you also

pointed out that you were interested in reaching other vulnerable populations which are kind of a potential tinderbox, and i'm glad that you mentioned chinatown right now. it's a very low number, and some other asian populations out in the sunset which aren't being tested, but we don't know that. what is your testing strategy to figure out a priority, and that came from one of the questions that we heard from the public that says you would allocate precious resources, knowing that it would go to high intensity areas that we've been talking about in the latino population. they could all go that way, and then, we would be in a fix, so what kind of prioritization allows you to say you're going to continue working across the

board and make sure we're testing prepare to make sure that some sort of outbreak is occurring that we don't know. >> so that was a good question, and i think i'm going to try it. we need to find the virus, isolate people to find the transmission. the second thing is to understand where the virus is, which is a little bit different, so that means we're testing in places we don't necessarily already know we have a lot of cases, and we are very much trying to figure out how to do both, but our resources are not expansive? despite doing 60% of the testing of the city, we definitely need to keep some kind focus just because we can't cover the board with

resources equally even if that were the right thing to do. we just couldn't do it. we don't have the resources. in particular, in the last two weeks, i don't know if you've noticed the articles in the news about quest and labcor, the two biggest labs that lacked critical supplies. well, that rolled onto the department because we have our own labs, because we did have the capacity to do our own tests, but then, everybody who wasn't able to do their tests somewhere else rolled into the county. so it was very hard to control the amount that went to our own labs, and we backed ourselves up by an enormous amount. so we can't always know what we have available, and sometimes what we thought we would have available suddenly is not available.

it's just an unfortunately uncomfortably dynamic process of thinking you have things when you don't or not knowing where it's coming from. but we absolutely have to get people in the communities where we know it's the most commence to be in the conversation about where we test. what we need to do best i think is communicate what the total pot is? so the total pot that day was probably 1,000 tests all over the city for us, so we need to be able to tell people how we're distributing those tests, and we need to get partners to do the testing. for example, we've had a partnership with chinese hospital to do testing at some of the s.r.o.s, and we'll be continuing that partnership. we had a similar partnership at bayview health, and that helps us extend our reach? we are covering the lab process

for chinese hospital. we are delivering the supplies for bayview child's health and mission neighborhoods, so we're trying to do what we can to make sure that someone is covering the needs of that area, and we're getting the data that we need to understand where we should be. but it's complicated, and the data is not always consistent from week to week. >> i appreciate that, and i appreciate the perspective that you've given us to talk about the challenge and obviously the reason why you calls this week for everyone to really step up and run it through their own channels. although as you know, they are also backed up with the same thing, and we have this same complaint even locally of trying to get test results in the last five to seven days. i know you were very busy and hadn't been at that meeting, but had expressed the same

frustration at the board meeting. i think it's helpful to understand what you're facing, trying to allocate these tests. so again, thank you, and we'll continue to watch that with you, and hope that the curve started going down in positivity and hope that they -- [inaudible] >> it is here, so thank you. >> thank you so much, dr. chow. >> commissioner christian would like to make -- ask a question, and she's on the phone, so i'm going to pop you up, dr. bennett, on the visual, and commissioner christian, please feel free to speak. >> thank you, mark. dr. bennett, i'm very pleased to be able to be here as a new

commissioner to hear your presentation, particularly as it pertains to the equity aspects of all of work that you do, so i'm very much looking forward to learning more and working with you and hopefully being some assistance to you. i just have -- it may be an impossible question to answer, but what is the out loom frloo your perspective from seeing the availabili what we need to see in the availability of testing? my understanding is it's constrained in large part by a lack of resources, a lack of testing kits and things like that, but what is your sense of the outlook for there to be some real improvement after the mayor's call for private providers to be more involved? >> i am hopeful, but as

commissioner chow said, they have challenges that are similar to ours? i think none of us fully understood how interdependent we were. i think in arizona, demanding tests would roll to be a problem for us in san francisco, but that is exactly what has happened. our national infrastructure for the production of the things that we need is just not strong, and i don't know that we took advantage of the time between march and april when we were so desperate for swab. we would have given anything for swab from anyone, and it was really hampering our efforts. i'm not sure that anything was done between that period and this period, except that fewer people were needing tests in some places because now, it feels like we're very much in the same place, where there aren't just the strengths of

procurement that you would want. we are at a much better place internally. we have good systems, we have multiple suppliers. we're certainly not standing in the place we were before, but i don't think it's been fixed, and i'm not sure how much we ourselves can fix about where reagent is produced or not produced. what we've done is expand our capacity so that we're less dependent on other people? we've increased lab staff and lab hours, but even that will have its limits, you know? there's only so much available to buy, even if you have the increment funding to buy it. so i'm hopeful that there were improvements made, but as entire states have tens of thousands of cases a day, i

don't know that the system can withstand that happening so many different places. >> you know what? thank you. i understand what you're saying, and it's helpful to know a little bit deeper, have a deeper answer. is there -- and again, this may be something that you can't answer, but is there any capacity for california as a state to reach internationally to places that may have more -- maybe producing more testing kits or are we already doing that? do you have any sense of that? >> we were definitely attempting to do that as much as possible earlier in the pandemic, when we had the most critical shortages. i actually don't know the answer to that from the state's

perspective. dr. colfax, do you have an update on that? >> i don't have an update from the state's perspective. i know what they were saying earlier. >> thank you both. >> we should all advocate for them to do that, though. >> i see that commissioner guillermo has a question. >> thank you, and thank you, dr. bennett, for your presentation. i'm adding my gratitude and concern for everything that you and your colleagues in the department are doing. just listening to the answer to the last question, you know, brings, mo brings more detail to some of the generalized challenges that get reported in the news and such. and so i think the level of detail around all the things that need to be coordinated,

and all the things monitored is something that the public needs to understand better, particularly with these relationships between the department and other providers in the city as well as other relationships to the state. so it goes to -- one of my questions around it, your indicator chart in your presentation. so when we talk about different things, the p.p.e. at 89%, is that a -- a number that includes all of san francisco's work -- health care workers or is that particular to what you know about that exists within san francisco's own network, and is that the case with some of these other indicators? i know in terms of populations and some of these other things, that's citywide, but i wasn't

quite sure about some of these other indicators. >> so some of the indicators are particular to not -- not always the department of public health but to the city and county. so the contact traces are ours. we don't know -- we don't count whether or not other people are doing contact tracing because, for the most part, we are where the buck stops on that. the same is true for the p.p.e., except to expand it. it is absolutely the p.p.e. for our hospitals, and we are clear that has to be tracked very closely. we got down to very low numbers at some point during this pandemic that no one was comfortable we would have what we needed, but we're not there . we have really good supply lines, and we've managed to stay above 90% until recently, when things have started to become a little harder, and i

assume for the same reason, we see hospitals in texas and arizona and florida increasing their demand. we are only tracking the p.p.e. that's being used at our own hospitals and clinics and what is being used by all the other city and county employees because we have masks and gloves and other p.p.e. on all of the people in our hotels for isolation and quarantine, for our police officers. we have p.p.e. needs all over the city and county as city employees interact with the public? and so the command center does hold all of that. >> thank you. and so, you know, just in response to that, when i think about the concerns we have about the decreasing supply of

p.p.e. or the decreasing supplies that we need in order to be able to see the testing and such, whether sharing the data with other providers in the city, somehow coordinating that, if it's possible, through the department or in association with the hospital's council or is that just beyond something that we can do? and i ask it because similar to -- or related to the question that commissioner giraudo asked, private schools having a different messaging than public schools in san francisco, those residents of san francisco who are more in tuned with the private sector supervisors versus the public health, we are all still living in the same city and subject to

the same risks, and so i just don't know whether that's something, a centralized command, whether the department is telephone is able to get a better handle on it. >> i think i understand your question, but correctly if i answer it incorrectly. so we have had, i think, really remarkably close connection with the other hospital systems throughout this pandemic and some of the community providers, and one of the things that i think is great evidence of that is that we have been able to support each other through what were the critical days of p.p.e. for everybody. when we ran slow, d.p.s. gave us some, and when we had extra, we helped other departments. so that has really saved us from some bad outcomes that would have happened at some of our sites, and that's going to

be true as hospitals get more and more full. our surgery capacity is shared, and i think that's an advantage that san francisco has. in terms of being able to coordinate across the board, i think it gets more and more difficult the more actors we're talking about? it is very difficult on the private provider side, and that is just bandwidth? there's only so much in the command center partly because of what dr. chow pointed out. we are trying to put people back in the department to run the department, and the same is tr true, now that we're open, for all the other departments. so we are having to prioritize and marshal resources to the places that have the highest priority and the biggest impact, and that has been the hospitals and other entities around the city that are doing health care.

the s.n.f.s, we helped them when they ran low because it would be devastating if they ran out. those things have been done, but it hasn't been across the board. >> thank you for that. you know, i ask the questions because it's that level of detail that we're not as aware of, and i do know we have through the command center and through the hospital council, done as much we can to coordinate. but the longer this lasts and the more complex it gets, the harder it is, so it's maybe just more of an update of what else can be done to continue to update and work together very closely, so thank you. >> thank you. we do have calls with all those entities, so we do have regular communication? i think establishing those lines and structures will serve

us. it'll get more complicated, but i think we've put some things in place that'll help us weather that. >> any additional questions, commissioners? commissioner giraudo or christian, any other questions, because we know that we can't see you. >> this is susan christian. i do have another question. you know, for dr. bennett and dr. colfax, are there things -- >> i am very sorry. this is -- i just got an emergency text. something has happened to my son. i have to go. i'm sorry, grant. can you -- thank you. >> yes. >> absolutely. >> dr. bennett, please let us know if everything's okay. thank you. >> okay. thank you. >> so just a quick question. are there things that the city and the department can do to help san franciscans focus on some of the things that we --

that are within our control about things that -- related to our health that bear upon being vulnerable to covid and other respiratory illnesses, i things that we do that at least help us try to be a little bit healthier? i don't know if there's p.s.a.s that the city is doing or positive health behaviors that we can, you know, encourage -- that we can educate ourselves about and encourage all of us to do? >> so thank you, commissioner. i do think that the things that we can do to slow the epidemic are the prevention activities.

the facial coverings, the social distancing, avoiding crowds. the other piece in terms of the testing challenges that we have is supporting a message that, you know, people shouldn't get tested in terms of something that's not necessary when we're sheltering in place. i think people may be testing, you know, to go to that party or engage with other people in ways that are not safe. we know if a test is negative, you can catch covid-19 right after that and transmit. i also think that there's some positive messages aboin commun engagement in social distancing

and facial coverings, and we all need to do our part. and i also hear the broader issues around health interventions, and that's something that people need to know, that it's always a good time to quit smoking, and this is an even better time. we're also really aware of the behavioral health effect of the shelter in place and the pandemic. as the commission heard i believe the last time we met, there's work going on on the behavioral health side, as well. i think that the -- the key pieces are really ensuring that we are supporting people in these prevention activities that we know work, and also acknowledging the fact that some people cannot take these precautions, and that is that in some ways, the inequities that we see where people have to go to work to make a living, that we protect workers, and

that we support the workers and their employers in terms of making sure that there are safe environments for people to work, and safe environments for these preventions to work and that's sustainable over time. i'm not sure that that answers your question, but let me know, commissioner, if there's more details that you require. >> thank you, dr. colfax. dr. christian inadvertently hung up, but she did let me know that she had no further comments. dr. tong has her hand in the window. >> thank you, dr. colfax, for this important update. one questions that popped into my head right now, it's about

medication refills, like, for our population to have, like, different chronic health conditions. do we know if they have trouble, like, going to a pharmacy to fill their medication or do we actually have other megnism in place to make sure that, you know, they -- you know, like, they get their refills on time? >> so absolutely, commissioner. so i don't know if dr. hammer -- she was with us earlier, and she can talk a lot -- she can add detail to what the ambulatory care people are doing to ensure that people are getting the medications that they need. dr. hammer, are you still -- >> yeah. hi, this is holly hammer. are you able to hear me? >> perfectly sk. >> okay.

hello, commissioners. commissioner tong, in answer to your question, right from the beginning, we have been doing outreach to vulnerable communities that put them in -- at risk of covid. we've had teams within our clinics, both the primary care providers and their teams, and even some teams at ucsf working with faculty and csfg doing outreach to make sure that people are getting their medications. the pharmacy, notably the csfg pharmacies, and other community pharmacies sprung into action to bump up their ability to do deliveries for people so they don't even have to go out of their home -- during shelter in place, they don't have to go out of their homes to pick up

their medications. >> -- we've been getting them their prescriptions in, even if we're not seeing them in person, and their medications to them. >> thank you, dr. hammer. i have a second part to the question. like, for some of our patients who have, like, chronic health conditions, like, hypertension, how do they actually get their

blood pressure monitored at this particular time? >> would you like me to take that, as well, dr. colfax? >> yes, please. >> okay. yeah, and here i am. sorry. i thought you were able to see me, yes. so as far as self-monitoring, and most notably for those things that we can give people equipment so they can self-monitor at home. blood pressure or a sugar monitor for people with diabetes. we've had a big push over the past number of years as part of our population health management work to get blood pressure cuffs in the hands of our people who have

uncontrolled blood pressure or people such as our black and african american patients who are at risk for coronary artery disease related to their high blood pressure and other things. so we have gotten -- and working with the san francisco health plan, we've had pretty good access to blood pressure cuffs, and then, we have teams that will periodically take their blood pressure and periodically check in with them to get their results. i wouldn't say that's the majority of people with high blood pressure, diabetes. we just can't get the machines or the teaching into enough people's hands. but for those who are checking their sugars or their pressures, i know that that's just routinely part of our

telehealth work. [please stand by] f [please stand by] caller.

are you there? hello? yes. i'll start the clock. >> hi. my name is alicia and i am a nurse. i am calling in to first urge you to adopt the health equity resolutions to declare anti-black racism a public health crisis. i also wanted to advocate for an even more concrete measure, and that's to remove the sheriff's department from the san francisco general hospital. the need for this really struck me personally when i was

face-to-face with one of the sheriff's deputy who verbally abused and pointed a taser at a black patient while they were interacting with their care team simply because they entered the clinic late after hours, and so for me that really drove home the need for an alternate security system that is not the sheriffs or sfpd. increased access and extension of an already existing behavioural emergency response team that can provide skilled appropriate response to behavioural incidents. i think this can make a big difference for racial justice and quality patient care at the clinics, and i think it's better for safer alternatives. thank you. >> thank you. >> that concludes the queue. >> great. so let's just check in. commissioner brown, shall we

skip item six as we get organized and go to ems or go ahead to the resolution? >> umm, i would suggest that we ensure that time is taken to do what's needed and we could go to ems if staff needs dr. bennett or staff need to come back a little later. >> all right. >> can i just -- dr. bennett is getting more information and is hoping to be able to rejoin the meeting. we're not certain yet. so it may -- i just wanted to give you all of that information. i also just wanted to acknowledge the leadership at the covid command center and the rest of the dph team that are there every day going into this six months. it's been really inspirational and also acknowledge the people across the department who are doing things like commissioner chung was mentioning, making sure people are getting their

results, doing things like commissioner christian was essentially making sure we continue our prevention activities, and i just want to acknowledge the work that's being done across the department, but also within this new integrated almost not officially but acting in this new integrated system for pandemic response. the center is really a great place to visit and i would encourage the commissioners to stop by in a socially distanced way if you would like to do so. thank you. >> all right, thank you. dr. colfax. so i have heard -- here i'm going to put myself on camera so that you all can see. i have heard from dr. bennett, and she's actually not going to be able to join us. she's going to be driving. we have instead -- underwood who

is going to introduce item six, the health equity resolution declaring a human right and public health crisis in san francisco. welcome. >> thank you. mark, and before we go to her and welcome niesha, i just wanted to quickly state that the health commission considers this health res laugs of the utmost importance and we are pleased to consider this after action that had already been taken by the human rights commission in san francisco and the chair to address structural racism. in keeping with the commission and the department's mission, we have focused our resolution and most of the resolved statements on public health-related actions and activities within the dph that could be monitored over time. the health commission will continue to address other health equity issues throughout the year through discussions, relevant issues at our meetings and considerations of future resolutions, and i would like to

offer special thanks to our commissioners for their thoughtful review and contribution to this resolution as well as sfdph staff, dr. bennett, director colfax and the city attorney's office. so thank you very much. >> thank you, commissioner. >> thank you, commissioners. i'd like to take the opportunity to introduce myself. my name is niesha underwood. i work for population health division for the community health equity and promotion branch where i lead our branch's quality improvement work and some of our integrated hiv, std and hep c work. i am also going to introduce someone from the human rights commission, the acting chief of

staff there, and we are both members of megablack ss. i'm going to turn it over to her to give a little more context around how this resolution was born, and then i'll speak a little bit more after her. brittany? >> thank you so much, niesha. good afternoon, everyone. thank you for the health commissioners for considering this resolution. my name is brittany -- and i serve as the acting chief of staff at [indiscernible] human rights commission. i'm also a proud founding member of megablack ss which is a collective of black individuals and black organizations serving black san franciscans. initially it started off as a covid response group for the black san francisco community because black people were being erased from the public narrative of covid. [indiscernible] populations that 10% of covid-related deaths is in fact getting a lot of air time, so [indiscernible] amplify this and other truths of covid

as it relates to the impact on the black community of south africa. megablack sites visibility, [indiscernible] dignity and justice for san franciscans under the banners of housing, economic power and health. one way that we're doing this work is by amplifying the many ways in which anti-black racism manifests in san francisco, from anti-black racism in the workplace and over-policing and racial violence against black people. i'm here today with my colleague as co-authors of the resolution before you. i've noted in the resolution anti-black racism is hostility towards, prejudice towards black people and culture manifested through individual internalized interpersonal and systemic interactions, decisions, processes and outcomes. this resolution is an [indiscernible] yet not exhaustive list of the many ways in which san francisco has

harmed and failed black people through bias, racist systemic practices with disparate impacts. it's intended, the resolution is intended to uplift the truth that racism, not race, is the driving force of many of the outcomes and indicators that government and particularly public health bodies have attributed to individuals and demographics for so long, and it's past time that we acknowledge our role in creating and perpetuating the experiences for such a small slice of our population. i'll hand it back over to niesha. thank you. >> thank you, brittany. as brittany stated, that this resolution was born out of megablack ss, and so megablack ss has -- is made up of many subcommittees of which public health is one, and i am one of the leads in that committee, and we thought it was important to act on this right away and be very explicit around what we were putting forward.

so not just to say racism is a public health issue but to really be forward and be explicit around anti-black racism is a human right in public health crisis. it was important to do so in the climate and do it now due to the pandemic as well as police brutality which affects black people gravely. we are dying at disproportionate rates of both. this resolution includes data pertaining to all of the social determinants of health and how black people in san francisco have been impacted, how racism is a driving force behind the social determinants of health, and a huge barrier to health equity. this resolution, as the commissioner has already stated, discusses what dph has done and activities planned moving forward. the data in this resolution only

touches the surface of what could have been included, which is very disheartening. our mission as a department of public health is to promote and protect the health of all san franciscans, and we strive to continuously answer this question, are we better off. until the narrative shifts for the black people in san francisco, and until black people are better off, no one is. lastly we know that this resolution will not dismantle the systemic racism that exists, but let this resolution not just be rhetoric. let the resolution be a way to hold us accountable, to do better and to be intentional around the health and well-being of the black people here in san francisco. thank you. >> thank you, ms. underwood.

my understanding is that director davis from the human rights commission would also like to speak. i'm not sure if that's audio or visual. i'm not sure how that connection is happening. >> it would be audio. i'm trying to determine which of the numbers she's calling from. >> i'm sorry, everybody. we're doing this kind of haphazardly because of dr. bennett's emergency. so thank you for your patience. >> mark -- >> actually dr. bennett is on the line with us, everyone. hi, dr. bennett. >> hi, dr. bennett. >> i feel like a celebrity. >> welcome back. >> thank you. i am really happy that director davis is calling in. i really just want to punctuate, and i'm not sure the way that i intended to, that this is a

connection between many different entities that are going to be needed to make this effective. so the department of public health absolutely plays a role. we've been on this journey for a while with the initiative and with our own office of health equity and the various health equity infrastructure we've put in. that is only going to have so much impact because the reason we know racism impacts black people in particular is because it is part of the structure of the way our society works, so being able to have all of those things, like housing, wealth, education, paid attention to while we focus on health is the only way we're going to make forward motion, and that needs someone like director davis at the health commission -- sorry, the human rights commission, along with other staff, brittany

it also takes all of the community members to move this along. we need the things to change the impacts of health. we have a limited -- on what we can actually impact, and so we need to do our part, but we also need to partner with all of these other actors in the field to say that we want systemic change, that we can only partly do within the department. we can do that, but we need to be a partner for getting the community -- that's really going to affect things. is director davis there yet?

we'll be right with you. thank you for your patience, everyone. >> i want to say one thing while we're waiting for her. i was on the phone at the beginning when naiesha was speaking, but i want to acknowledge all the staff members that participated in this. that includes a large number of people who have been working on equity for a long time. i want to acknowledge vincent who has been a real link between the department and this work and i think has really carried the department's role in this. i just wanted him and brittany to be acknowledged for speaking for a large number of us in

order to make sure that we were included in this. and i also want to acknowledge -- (listing names) for the work that we did with covid, but sort of informs this as well. >> while dr. davis is calling in, i wanted to actually ask for the commissioners to please consider an amendment, so on page 1, paragraph 5, the whereas clause on intersectionality was not in our original document. it was put in without our advice or consent, and so if it's going to stay in, we ask that you please remove the word "may" after "black individuals" on the

third line. >> i wanted to call in and recognize brittany and naiesha for their work and elevating the community voice. and just want to thank the department of public health for the ability to partner and collaborate and to take it another step. we initially just thought about doing a joint resolution, but really grateful that dph and the commission is really interested in going deeper, and i know brittany and others have had conversation with community as well as supervisor walton's office, and i'm just really

excited about the movement and the ability for city systems and system leaders to really step aside and support community voice and thoughts and to really start to name and call out the challenges that are impacting health and safety and well-being here in san francisco as well as around the country and even the world. so thank you all so, so much. i'm really, really grateful, and just kudos to naisha and brittany and for their leadership and taking this on and really just pushing it forward. thank you so much. >> thank you. >> i forgot one person who's been instrumental for all of the equity work at dph but was actually involved in this as well. veronica shepherd is our link to our stay safe community, to all of our work with the black african american -- i just want to make sure that she gets

acknowledged too. >> we're pleased to welcome you to the commission, dr. davis, so thank you for joining us. >> truly, truly my pleasure, and you all have our former chair who we miss very much on the commission now, and so congratulations, commissioner. and to all of you, it's great to hear your voice. i was like, is that dan vernal? that's amazing. >> good to hear your voice too. i know we go to public comment before commissioner questions, but procedurally a commissioner needs to offer that amendment to remove the word "may" from the fifth clause, i will offer that amendment. >> thank you, sir, and it would be best procedurally to go to public comment before you get into action, but we can note, unless you want to carry through and get a second on that so at least have it there. >> i will second it.

>> thank you. >> i have another question, mark, procedurally. if i actually have additional amendments to that particular "whereas," should i offer it as a friendly amendment or should i wait? >> so i think this is a bit of a soft procedural issue. i would recommend that you all take public comment just so you can honor the fact that people are there and that may inform your discussion and your possible amendments. not that you don't have [indiscernible] but that could help you all strengthen how you move forward. does that sound okay to you all? >> yes, mark, thank you. >> okay. is there public comment? >> yes, we have five callers currently. if you wish to speak, please press star 3. i'll take the first one now.

>> welcome. yes, hello? >> hello. >> i'm going to start the timer. >> i just want to say -- yeah, i just wanted to express my support for the resolution to declare anti-black racism as a public health crisis. i think it's well overdue that this at least gets some recognition, and i would like to point out,this issue intersects with the homelessness crisis that's rampant in the city. just sort of, you know, increasing all over the country. i would like to express my dismay with how the dph has handled in specifically commissioner jaragone has been

able to hotel rooms when he had it. unfortunately that's expired, from what i understand. you know, i think we should still pursue whatever means we can to put our unhoused neighbors into those rooms, contact trace where we can, and really nip this pandemic in the bud where we can, especially for our most vulnerable. san francisco is watching, the whole bay area is watching, so please address this issue with the importance and the gravity it deserves, especially, you know, with our neighbors in the streets. i mean, this virus is jumping around, and we have people who are just there who are targets, you know, to this airborne virus. that's it.

i yield my time. thank you. >> thank you. is the next caller on? >> yes, hi. i am calling from district 7. i want to just reiterate what the last caller said. i completely agree with the resolution to declare anti-black racism. this is very small stuff. this is the lowest-hanging fruit that we can take. in condemning systemic racism. of course it's not nearly enough, but i really don't see why this is not a common resolution, and again, [indiscernible] this ties in neatly with so many other bigger issues hah affect black communities and communities of color, such as housing insecurity, and i am also

[indiscernible] the fact that the director has this awesome power to commandeer hotel rooms and institute some of the most vulnerable people off of the streets, and you know, house -- and what's happened with the virus. right now we're seeing [indiscernible] nobody doing anything about this. i think -- covid, not just people with titles in their name. there are people who [indiscernible] it's for everybody. public servants, it's your duty to ensure that [indiscernible] people continue to be in the path of this virus, the rest of us are [indiscernible]. i really hope that they will do the right thing and use the powers to [indiscernible] i yield my time to the next caller. >> thank you. is there a next caller? >> thank you, listeners, for

this opportunity -- thank you, commissioners, for this opportunity to speak. i am a social worker -- san francisco department of public health. i'm calling today to voice my support for the resolution before this committee to declare anti-black racism a public health crisis. the problems must be addressed by a fundamental redistribution of resources in all portions of society, including health care. if this committee is committed to ending anti-black racism and the department of public health and the racist institution of policing and invest in the health and safety of black san franciscans. in 2002 this health commission passed a resolution. the commission cannot continue to address anti-black racism while spending $20 million a year by paying a department to intimidate and terrorize our patients. [please stand by]

. >> hello? >> okay. i can move onto the next caller. >> okay. thanks, araceli. >> hello. >> hi. i'll start the timer. >> hi. yes, my name's brenda, and i'm calling again, and i'm calling representing the san francisco black leadership forum, and we are 100% behind the resolution. the only thing we ask, i know it's going to get -- sounds like it's going to get talked about. we just hope that all of the good things in it don't get watered down to the point to where it's not useable because we intend to use it to hold everyone accountable. >> thank you. >> okay. i'll move on.

>> hi. my name is camille. i'm just calling from district 9 in the miss, aion, and i'm calling to share my support. i echo all of the sentiments from the previous callers as well as the sponsors who offered this. it's been a long time coming as well as the intent that setts g this to be a focus, and i hope to see a follow-up, you know, agenda, and, you know, on the suggestion about removing the sheriff's office from our hospital and health offices. i hope for continued transparency from the commission and the public health department to see this through. thank you. all black lives matter.

>> thank you. >> okay. i'll take the next one. >> hello? >> hello, caller? >> hi. go ahead. >> hi. i'll start the timer. please start speaking. >> hi. my name is kristin, and i'm an employee at san francisco general hospital. i'm calling in support of the resolution by dr. bennett, and i hope that the commission passes it, and there's more to follow. we definitely need more resolutions like this, and i yield my time. >> thank you very much. okay. thank you.

next caller. >> is there anyone there? >> caller, are you there? >> next caller. >> okay. move on. >> good afternoon, commissioners. thank you for the opportunity to address this resolution coming before you today. i, too, am in support of the -- [inaudible] >> it's also the attitude of who can be invited into the human experience, who can actually be a part of living as a full human life in san francisco. thank you very much for all the sponsors and all the work that

went into this resolution. thank you. >> thank you for your call. >> next caller. >> hi. my name is alexis, and i live in district 11, and i'm proud to be a resident of san francisco. i urge you to adopt the health equity resolution to declare antiblack racism a public health crisis and address this public health crisis by removing the s.f. sheriff from the department of health and san francisco general hospital. covid-19 is killing our black and brown community at a higher rate than the white community partly due to white supremacy

and the lack of black people in the medical industry. antiblackness is a public health crisis. i join my community and the department of public health must divest coalition and urge them to invest in the black community of san francisco. the department of public health must be held accountable to divest from the sheriff's department. all black lives matter. fund health care, not cost. i yie -- not cops. i yield my time to other callers. >> hi. next caller. >> my name is lindsey jones, born and raised in san francisco. and i am calling to firmly

declare my support as antiblack racism is a public health crisis, and i believe that this resolution is firmly begin to address the actions that are necessary to begin to really look at the issues of race and equity that have been far permeated in our communities. as i think about my grandparents -- and i'm third generation san franciscans, how a lot of issues that they faced, we are currently facing 30, 40, 50 years later. as a mother of three children, it's not something that i want them to be able to say that they're still impacted by 30 years later. we need to look at how this crisis needs to be addressed because the decisions that you make now will impact our future in san francisco because all of our lives matter, and i urge you to look at this resolution and adopt it as a public health crisis. thank you. >> thank you for your comments.

>> okay. next caller. >> hello. my name is nick giles, he and him, and i live in district 6 in san francisco. i'm calling in with many others in the d.p.h. must divest and urge you to adopt the resolution that declares antiblack racism a public health crisis and remove the san francisco sheriff from san francisco hospitals. targeted communities that have been overpoliced are traumatized. we should make sure that hospitals are a safe space for all, not just white people. the housing crisis, the health care crisis, the coronavirus

pandemic, and silent police coming to our cities, we must take all efforts to untangle from racism and antiblackness. black trans lives matter. thank you. i yield my time. >> thank you. commissioners, i've been told there are nine additional public comments. next caller? >> hello. >> hi. my name is jessica. i'm a physician at san francisco general hospital, and i'm calling in support of the resolution to declare antiblack racism a public health crisis and to demand the commission take action to remove the sheriff from san francisco general hospital and the department of public health. hospitals are a safe space and the presence of sheriff affects

that safe space and black people who are disproportionately affected by law enforcement. [inaudible] >> i ask you to recognize her and countless others, black, indigenous and persons of color who aren't safe in our hospital systems as long as sheriffs are present. thank you, and i yield my time. >> thank you for your time. >> hi. i'm a ph.d. candidate at ucsf, and i live in d-6 and work in d-10. bipoc patients fear seeing health providers due to the presence of our sheriffs at our

hospitals and clinics. sheriffs routinely run background checks on patients, arresting them when they're seeking care, and they're called to respond to matters in the hospitals in which they're untrained. sheriffs have escalated countless moments of crisis, further traumatizing and injuring a patient. i join my community in asking the commission to adopt the resolution and divest the hospital from the sheriff's office, and i yield my time. >> thank you. >> i wanted to call upon the committee to adopt the resolution to declare antiblack racism a public health crisis, which is only more exacerbated by the current covid-19 health crisis. i'm asking as part of that

effort that the sheriff gets removed from san francisco general as well as community health clinics. i hope that as part of this measure, we divest from the sheriff. thanks very much. i yield my time. >> thank you very much. >> next caller. >> hi. my name's maria. i'm a physician working -- [inaudible] >> at san francisco general hospital and other d.p.h. clinics -- [inaudible] >> and i also wanted to ask that we immediately work to address this crisis and remove

the sheriff's department from the department of public health and san francisco general. like so many of the others. i've seen patients harassed on the campus of san francisco general by the sheriff's. the situations were really traumatic for patients and staff, as well. i think we should be divesting from the sheriff's department and reinvesting those funds into mental health and social services that can really help our patients feel instead of spending -- [inaudible] >> so thank you for your time. black lives matter. >> thank you. >> hello. my name is sarah, and i'm a resident of district 11. i'm calling to urge you to adopt the health equity resolution to declare antiblack ra racism a public health crisis

and remove the sheriff from the department of public health and san francisco general hospital. i started studying to be a doula not that long ago, and i already knew that antiblackness was a public health crisis in our streets. i knew that the police were a huge part of that, and i am embarrassed to say that i didn't know to the extent of our medical professionals, who also serve -- don't serve our black community as they could. pregnant black women are four times more likely to have a baa -- die in childbirth, and there is no corner in which black people

are safe. [inaudible] >> i yield the rest of my time to the rest of the callers. thank you. >> thank you. hi. next caller. >> caller, are you there? [inaudible] >> i'm calling in support of declaring antiblack racism a public health crisis. i believe this is a great step in the right direction for the

health commission, and it should give this board and the staff the ability to allocate critical resources to address racism. i think every department across all 95 departments in the city of san francisco should enact resolutions of this nature, particularly for antiblack racism. black san francisco came to the city in mass numbers to support the war efforts in the 50s and -- 40s and 50s, and upon arriving, the only neighborhoods we could move into was the ones that were considered the most polluted. the fillmore was considered polluted because it was a trend to move to the suburbs, and so all the cars would drive through the fillmore to get to their home and back.

bayview-hunters point was considered polluted from the bayview war industry, and so it acts as the wholesale red lining of blacks from the whole community. the emotional and physical impact of disturbing communities is real. i do believe this is a positive step in the right direction, and i know that i and many other communities will be watching to see if the health commission passes and utilizes this powerful tool. thank you. >> thank you very much for your comments. hi, next caller. >> hello. can you hear me? >> yes. >> hello. my name is veronica shepard, and i work for the department

of public health. i support the african american safe space community in regards to racial equity and food security. my family has been in the bayview-hunters point community since the 1940s. i have personally witnessed and experienced how the structure of racism and violences has impacted the black community most of my life. i join in support to declare that antiblack racism is a public health crisis and ask the health commission to vote on this resolution. thank you, and i'll give up my time for the rest of the speakers. >> thank you for your comments. >> hi. my name is karen, and i am a mental health clinician living and working in san francisco. i am calling in today to ask that you adopt the health

equity resolution to declare antiblack racism a public health crisis. i'm asking that you remove the san francisco sheriff's department from d.p.h. and san francisco general. thank you. i yield my time. >> thank you. next caller? >> hi, everyone. this is tracey packer. i work for the health department. i'm the director of community health equity and promotion, and at this time, i'm working in the community branch on covid-19, and i want to thank you for putting this health equity resolution on. as we know, black african americans are affected disproportionately by health issues that we are addressing in this branch. we know that black and african

americans are affected by aids and hiv, diabetes, and other health issues, and we know that at the root of this is racism. this resolution that you're lo looking at highlights antiblack racism as a challenge that we have in this city and something that we need to work on, and it's so important that it highlights the action necessary to make change, looking at the root cause. the focus on equity in our work, the resolution supports the focus on equity in our work, which i really appreciate, including looking at the budget, and that will support the work that we know that we need to do in this branch and the work that we want to do. i hope the commission adopts the resolution as it is as it lifts the voices of the community that we all hear every day. thank you so much.

>> thank you for your comments, tracey. i think there's one more person. >> yes, we have two more after this call. they keep calling in. >> okay. well, welcome. >> hi. i live in district 11, and i'm calling to support the resolution to declare antiblack racism a public health crisis, and i hope if you pass the resolution, you divest the sheriff's out of san francisco general and d.p.h. >> thank you very much. hello. next person, please. >> hi. my name is michelle and i'm a recent new graduate nursery siding in district 1. i'm calling in support of the

resolution concerning declaring antiblack racism a public health emergency. i think it is time for us to address d.p.h.s relationship to sfsd and the impact they have on our most vulnerable patients. i yield my time. >> thank you for your comments. araceli, is there anyone else? >> there's one last caller. >> okay. welcome, caller. >> hello? >> yes, hi. please start your comments. yes, you're on. >> that was me saying hi, mark. this caller called in several

times and so far, we've been unsuccessful in getting them on the line. if you want just to end public comment? >> yes, and i just want to acknowledge that must be very frustrating for that caller, so thank you for trying, and hopefully, that will work out again. all right. >> okay. all right. thank you, araceli, and thank you, mark, and thank you for everyone who called in in support of this resolution. we thank you very much. commissioners, do you have any comments, questions, or things you'd like to offer? >> yes, i'm not seeing any hands raised. anyone? >> commissioner tong? >> hi. so i can make my comment? >> yes. >> okay, 'cause i -- yeah, i got distracted because i was trying to look up some additional numbers.

so there are several amendments that i would like to offer. of course, i need to, like, first say that i am not expert around antiblack racism because i don't think that any of us who are not part of the black community can understand the range of the extent of the racism they face generation after generation. i continue to learn from many of my black colleagues, and so some of these languages that i'm offering were also part of what i have been, like, taught throughout the years. the first amendment that i would like to after is in the second whereas, antiblack

racism, i would like to add erasure of and discrimination to what black people and culture -- and shall we do it one by one or would you like me to just add all of them? >> i'm sorry. go ahead, commissioner. >> i think we can take them en masse. >> okay. and then, the second one is the whereas intersectionality is the paradigm on that one, such as racism. i would like to add colorism, cissexism, and then, also, underneath in the religion-behavioral health status, i would like to add

immigration status, country of origin, and/or other elements. >> and i'm sorry, commissioner. are those -- is this what you e-mailed to me earlier or are these new? >> these are what i e-mailed you, i believe. >> okay. i just want to make sure i get it down so that i'm noting it for you all. thank you. >> yeah, and i apologize for, like -- i should have done this sooner. and then, i have a few whereases that i would like to offer. >> commissioner tong? >> yes? >> perhaps -- i'm looking at your proposed amendments now. perhaps we should take the proposed amendments as one and then the additions as another? >> yes, please do. >> okay. so we have an amendment marked procedurally. do we need a second?

>> yes. >> well, i think procedurally, we first need to move the motion -- move the resolution so that we can make amendments, and then, we can take up also president bernal's amendment to remove the word "may," for example. but i think we first should move the motion as we have been presented so that we can make all the amendments. >> yes, of course, you're correct, commissioner chow. >> and so therefore, i move the resolution, and i'm hopeful we have a second so that we can proceed to discuss and add additions to the amendments. >> i'll second. >> thank you. so now you all can begin to discuss and consider

commissioner chung's suggestion. >> so if we can discuss commissioner chung's amendment on that intersectionality. i'm somewhat concerned that there is a reference that the statement -- [inaudible] >> -- out of the reference, and therefore, if adding a reference, we would have to eliminate any reference because reference no longer would be in

quotes. we'd have to -- [inaudible] >> commissioner chow, your sound is going in and out. is there something covering your speaker? >> there's nothing covering mine. >> okay. so you were concerned about the -- the addition would take away the quotes? >> you would have to take away the quotes by adding the additions and the reference because it no longer would actually be a quote from the reference which is the way it was written. that's all i'm saying. all those items seem to make sense, but it would actually modify that amendment. >> yes. >> the quotations could not stand if the sentence is altered. >> yes. so would you like to add that to your amendment, commissioner

chung? s . >> yes, i'd be happy to. i also want to ensure that the original authors are happy with my amendment, so -- >> i'm actually the original author of that clause. >> oh, okay. so if you're comfortable -- >> okay. as noted before, there was no permission to add that. that was something that i thought was added, so commissioner bernal, would you like to continue with the amendment of this -- the vote on this particular amendment? how would you like to proceed? >> yes, and just to clarify, mark, so given that that is a cited definition, the quotes and the citation would have to be removed. >> well, the citation, i think, would not have to be removed because it still covers the same idea. it's no longer the exact quote, but it still encompasses the

same idea. >> okay, yeah, let's proceed with the consideration of the amended clauses. >> i'm sorry. i have to speak up. this is not directed at commissioner chung or any of the commissioners, but his tone has been completely disrespectful in this process, encapsulated by his statement. i just need to focus on the fact that he continues to talk around us, condescending in a way he feels necessary to put this forward. >> commissioners? dr. colfax or anyone? >> this is commissioner christian. so first, i just wanted to make sure that i know that

commissioner chung has three whereas amendments as she has proposed them, and has been circulated to the commissioners, but i wanted to make sure that people listened know what they are. first, i want to take a brief moment to say that i am thrilled that this resolution has been brought to d.p.h. it's a part of all the work that needs to be done in the city, and certainly, people's health, all of our individual health and the health of our families over our generations and the health of our community have to over come the systemic nature of antiblack racism and inequality in order to begin to address the health of people, so this is a critical

resolution, and the work that will -- that is already being done that the department is doing, and dr. bennett is doing is critical. and the work that we talk about in this resolution that has been brought to us through the h.r.c. and other community groups will be critical to actually carried outgoing forward, and i believe the commission is strongly committed to that. but i also want to make it clear that i don't believe that anything we do today should take the focus off the antiblack nature of the resolution, and i don't believe that anything that is put forward is meant to do that. and so i think it's important for people who are listening to understand what is being proposed as an amendment so that we can make certain that

the thursday of the resolution and the energy and the thrust of t -- that we can make certain that the thrust of the resolution and the energy is as it was brought to us. it's my understanding that's what's being brought forward is specific to the work that the department of public health can do in furtherance of the charge that we're discussing today. so i'll stop talking, and with that, i think it's important that the proposed amendments get read into the record so that everyone knows. >> i would just like to --

>> commissioner? commissioner, you're muted. >> sorry. i would just like to speak to what commissioner christian had just mentioned, as well, and just remind the commission that this is a resolution that was brought forward to the commission -- our commission from the human rights commission specifically to address structural antiblack racism and acting on this is very important, and it does not preclude the commission from taking up matters and resolutions related to other forms of structural discrimination. so by moving forward with the resolution, it specifically addresses antiblack structural racism. it does not preclude addressing other kinds of discrimination or racism, and that is

something that we will certainly be considering in coming meetings and will be acting on accordingly, as well. >> commissioner chung? you're on mute, commissioner. >> okay. thank you, commissioner christian and bernal for your comment. and in the interest of transparencies to human rights commission as well as, you know, with the commissioners on this panel, i have actually forwarded my drafted amendments to mark, and if mark don't mind, just sending that to everyone so that, you know, they can follow my -- my amendment, you know, and give

feedback on that. >> thank you. >> that would preclude us from reading them out loud, as commissioner christian said. i'm setting up now. >> absolutely. >> per the commission, i don't know if it's procedurally acceptable -- this is sheryl davis. >> you were on mute -- >> commissioner bernal, director davis is asking to speak. >> i apologize. yes, i would like to recognize director davis. thank you, director davis. >> thank you, and i just -- i want to just take a step back, and i just really want to say a lot of the reason why this came

forward, if we think about what's happening locally and nationally was just the passion and the feeling and the sense that black people really do feel invisible, even more so in san francisco, and there seems to be a challenge, and there seems to be a difficulty to own and be able to challenge and be able to say point blank, there are heavy outcomes and differences for black folks. if we go through san francisco, less than 6% of the population is african american, but we know that our prison population is five, six, seven times that. we know that a third of the school suspensions for high school and middle school students are african american. so i just really want to give a little backdrop to the

frustration and passion of folks around this and just say, you know, that we've been doing, over the last couple of weeks, with -- on behalf of mayor breed and supervisor walton, convening community groups. we've seen over 600 people in the last week or so. and the common theme is that we do not feel comfortable saying that black people are disproportionately impacted by racism. and so the impetus for this resolution was really for san francisco to own and to recognize and to give paths for black folks. so i want to say we're going to deal in intersectionality. being black and poor or being black and trans or being black and other, other, other, in

some ways, it triggers for folks, and just to be very clear, that this is -- intersectionality is wrapped up into all of this, so we know the gender and folks that are coming from different places that are black will also feel that, but we do not want to dilute the intent to really call out antiblackness. >> you're still on camera, commissioner chung. >> okay. well, thank you, director cheryl -- or director davis. i think that's really important, what you just said, and i hope that, you know, like, the amendment that i'm offering could also reflect on those, like, intersectional issues that -- faced by the black community, especially those with, like, multiple intersectional identities that

they have to face every day in terms of discrimination and violence and hate. >> and mark, i would like to address directly the comment that miss underwood had made at the introduction of this, that there were some changes made to the initial resolution to tailor had to measurable outcomes that could be achieved by the department through their work. if miss underwood and others do take issue with that clause, the fifth one related to intersectionality, i would be amenable to removing that clause without objection from other commissioners. without objection? >> your recommendation -- this

is suzanne cerato. your intention is to remove the intersectional clause completely out of the document? >> correct. >> okay. >> mark. what i have to offer is an amendment and a second? >> yes. >> okay. i would offer that as an amendment. >> is there a second? [inaudible] >> i'm sorry. so commissioner chung? >> so we talking about the entire whereas clause -- fifth whereas clause or are we talking about the quote specifically? >> so the issue that was raised was the -- that whole clause was added. >> okay.

okay. >> this is commissioner christian. i second the motion. >> thank you. mark, can we take that to a vote, then? >> okay. is there any discussion about that or -- okay. [roll call] >> okay. and can i ask a question? like, i've offered a few more amendments, and i want to make sure that i'm not overstepping my -- my privilege and -- you know, and to make sure that director davis and miss underwood think it's appropriate before i start reading all the stuff.

>> commissioner chung, if i may, with respect, and certainly not overstepping your prerogative, but i would suggest in your partnership with human rights commission, you brought this forward to us as well as in support of the people who had called in to express their support for this resolution, that we refrain from -- from adding to it and consider some of the very many important issues that you have raised in a separate resolution at a future meeting, and i would gladly support and work with you in drafting that. >> i -- i appreciate that, and, you know, like, one of my concerns is that's exactly how

you erase your work. it's like you saying you work for the immigrant community. it's li but you erase the immigrant community. and it's like saying that we work for the trans community and erasing that from the altd amendme -- from the amendment. i hope i'm not overstepping my privilege, and just offering what i've learned from my black colleagues. >> certainly, commissioner chung. please then go forward and offer your amendments if you'd like to do so -- oh . would -- commissioner guillermo seeking to be recognized? >> yeah.

i just want to express -- [inaudible] >> -- if this is correctly expressed because i am torn between really respecting the work that has gone beyond -- gone into the resolution that we are considering as such. not just the work, but all of the things that director davis has described to us in terms of the background of history, the community sentiment that has gone into the resolution as such, and the very important justification for commissioner chung's amendments. i don't know whether, at this

point, if we -- i don't feel like i have enough education around all the background to be able to vote with confidence on either not considering commissioner chung's amendments or considering them into a resolution that may not be fully acceptable or fully understood by the resolution authors. so i'm just expressing my hope or my sincere desire to be better equipped to make a decision or to take a vote on changing things that have been very carefully thought out and brought to this -- to this

commission in terms of the resolution. >> this is commissioner christian. may i comment? so i think that commissioner chung's desire to speak about the multiplicity of experiences that black and african american people have across different categories is one that is a good one, and i don't know that it's one that anyone would quarrel with. i think perhaps the way that that is accomplished is the critical thing always, but especially at this point when we're talking about a resolution on antiblackness and antiblack racism. one of the things that came to mind when i was looking over

the proposed whereas amendments that commissioner chung submitted to us was whether it would be useful to outline and delineate the black and afterri can american experience in these different categories as oppose -- and african american experience in these different categories as opposed to intersectionality if we wanted to bring out how black and african american people experience racism in all of these arenas, in gender orientation, in economic situations, that we do some of the specifically talking about black people and african americans as opposed to everyone else in those

categories. i don't know whether that is -- gets that -- what the speakers who are here with us today from outside of the commission are saying or not, but that is one thought that i have. >> thank you, commissioner christian. that was my intention, is to really highlight how the black identity actually exacerbate the harm that they experience, you know, like in -- when we intersect that with, like, other types of oppression. black trans women face more harm than other women, and black immigrant women often gets erased from all the

immigrant conversations. so my intention was to offer that as part of the insights. >> and this is commissioner christian again. and it may be that for purposes of this resolution, it is -- it may or may not be the time to disaggregate all the ways in which black people suffer greater harm across every category that we belong to, which is every category that exists. i'm not sure what the desire of the authors of the original resolution, how they feel about that, whether it is -- what they're wanting to bring to us now and highlight at this moment is talking about black and african american people as

a category without disaggregating all of our other identities and pointing on you how in each of those other identities, we are also disproportionately advantaged. so perhaps it would be useful to hear from president bernal or -- or our guests about that question. >> would director davis or mr. cuato or miss underwood, would you like to add to the conversation at this time? >> so i will jump in, and i'm not sure if miss underwood or miss chiquata would like to comment on this.

the main for me, to me, even though these are small, they are rather substantial amendments. we did this as a community process. i would like to include community in that, but i also don't think that -- i don't think that it's meant to kind of get the conversation going in that that is another layer, another level, and whether it all has to be encompassed in this particular resolution, i'm not sure. i will say that, from the outside looking in, that i would imagine that some people are saying that it is not that complicated, and we try to advance something for black people, it takes on much more. we thought it would be simpler to get it passed, but i appreciate the conversation and the debate.

[please stand by]. >> so first comment would be that, number one, i said during my initial comments that this is an extensive list, but that

it is not an exhaustive list of all the ways structurally we are harming black people in san francisco. secondly, i want to make clear that my earlier comments about paragraph five on page --

[inaudible] >> i feel like as far as talking about intersectionality, that this is captured in clause number two on page 1, which is why i don't understand why your commission secretary said what he was adding was substantially additive, but i'll let my colleague comment what they wants to say. >> thanks, brittany. this is nyesha underwood, and without repeating everything that brittany and everyone just said, i would second everything that everyone just said. thank you.

>> commissioners, in beiknowin was brought forward by the human rights commission and the way that it's been tailored, i would encourage the commission to consider this resolution as it is, understanding that it does not preclude further action at an upcoming meeting; that i would be very happy to work with commissioner chung and others on bringing forth a resolution that addresses many of the critical intersectional issues that she has raised, and i would direct that to commissioner chung. >> yeah, i'm open to that. thank you, commissioner bernal. i'm open to that idea. the part that i'm really struggling with is i thought

this was a practicseparate resolutions, you know, and it speaks to health equity. i don't believe that any of my points that i make would take away, you know, that focus whatsoever. in fact, i actually have included the data to every single one of the whereases that i'm including. i just want to make sure that i do my communities -- i do good by my communities, which is trans people of color, immigrants, and hiv, to make sure that, you know, that antiblackness within those particular communities are also reflected somewhere. so if it means that -- you know, for me, when we talk

about community process, it would be helpful for me to know that there was more than just one black trans person participated in this process or there was more than one black immigrant who had participated in this process. >> commissioner chung, i know you to be a very effective advocate for your communities, and it would be my privilege to

work with you on a separate resolution that we could bring forward at the next meeting if we are prepared or a meeting very soon in the future. and with that, i would like to -- and mark, would you please help me procedurally move that the commission approve the -- the current resolution as amended with a removal of that one clause? >> yes. so i think -- >> commissioner chow has been trying to get recognized, sorry. >> oh, i haven't been able to see him. thank you, commissioner gilliam. commissioner chow? >> yes, i only actually wanted to actually try to weigh-in to see, definitely, i think the issue that has been raised -- and there seems to be a little misunderstanding because i think that i thought that we

went through the issue of actually removing the intersectionality, and commissioner chung's point in here, whereas was very well documented in terms of just simply the data. but i understand in terms of the community, the community would really want to keep the focus simply on the issue of antiblack. and i think for us as a commission, that focus is well described in the very well documented whereas, but that most important for us in this resolution is what we are going to carry out in order to do our part to make sure that the issues raised and that has obviously historically been, very sadly, happening here in

san francisco and for hundreds of years in the rest of our country, are going to move forward. the efforts that we are making, we need to double or make those much more effective, and therefore, we've written a number of resolves that we're intending to do. i think commissioner chung raises, then, the other issue that president bernal has spoken to, which is these are not the only disparities that we need to address, and that often, we kind of take the disparity of the day, spend a lot of effort in it because we have limited resources and forget the others. and i see this resolution, then, as a means of trying to tie all of these together, including the issues that commissioner chung has raised, which should be part of the work being done on the part of black and black transgenders. and we have other areas that

include our other minorities that we also need to work on, and i think that is what our final resolve actually speaks to in terms of the work our commission will need to do to address those so that we don't wait for another uprising for another disadvantaged group in order to grab our attention. so i would like to actually second or support president bernal's suggestion that we accept this resolution as it is, speaking to how our black community has bought this to us, and that the work of our commission is in the resolution, and that is what i had moved, and i would suggest that we move forward to vote in favor, and hoping that my

colleagues would also join in this. >> commissioner chow, i know that commissioner christian would like to be recognized. >> thank you, commissioner bernal. so i appreciate everything that's been said and in a way would like to further commissioner chow's suggestion, but i think fundamentally, it's important for us to understand what we're doing here today. i think it would be hugely unfortunate and unnecessary if anybody walked away from this meeting thinking there was a struggle with this commission accepting the voice of the community and joining it versus the view that this commission accepts the voice of the community and joins it and wants to speak specifically about what this agency will do

in order to continue the attack against systemic racism and the fight for black and african americans. so i think in my mind, when i heard this was coming to us, i wasn't sure whether we were getting a resolution that was going to be the same and presented across each commission and agency to be adopted, and that everybody was adopting the same one or whether the other agencies would be saying yes, we accept this, we join it, and we are adding in specific to our duties and our responsibilities related to this resolution. so i think i would like to hear from the people who brought

this resolution to us. i think it's important for the department of health to say yes, yes, yes, and this is what is in our purview, and this is what we can do. we can say that at a separate time. we don't need to say that in this resolution, so i would like to hear from the authors and the people that brought it to us if they prefer us not to do it that way or what is it they're seeking from us tonight. >> so thank you, commissioner christian. i will just say, i think the hope and the goal was to move forward in a statement. i don't think we have to have necessarily again -- and i would defer to brittany and nyesha. i would just say first, because i'm not on video, and for those folks who don't know me, i think the real struggle here is

as a black woman who is moving this forward, in some way, it's self-serving where it's amplifying what people are doing. it's not just to own and talk about being black, but the fact that you have to be black and, and, and, in order for us to speak about this and move it forward speaks to a hierarchy or as people are saying, human olympics. we just want to be able to say that antiblackness is a real thing. we realize it may be experienced differently, but we

just want to say at the bottom level of the hierarchy or the top, to be told well, you're not as black as this, and so yso -- just to say as black people in this town, as a black person, i still have anxiety about walking into a store and being followed. it impacted my health. however you all decide to do this, just ultimately, we don't want to have the oppression

olympics in the black community, we all just want to say that people are suffering at some point. >> i did want to directly address your statement about the process that went into drafting this resolution. i look forward to working with you on this in a way that is as respectful as possible, and i also want to thank you for presenting us with this opportunity to improve in places that improvement is needed. commissioner chung? >> thank you, director davis,

and first and foremost, i want to apologize if my intention had caused, like, more discomfort for the original author of the resolution because that's not really what i was hoping to do. my hope is to be a real committed ally to look at how some of the ways on this commission that i can champion.

>> i want to just express through the chair, i think there are -- i will say for all of us doing shelter in place, and just everything that has happened over the last few months beyond covid, the george floyd homicide, all these pieces, like, there's all these emotions that are tied to this resolution, and so i am really speaking from a very personal space and want to own and acknowledge that, but also, at the same time -- and i would really love, commissioner chung, to have the opportunity to work and do more because i am just as passionate as what you are talking about, and how we talk about intersectionality. i think for me at this point in

time it really is less about -- i sense no ill intent, and i don't perceive that. you know, just for me, this process of what this looks like and how we've done this, i know a lot of people were excited about being able to say that, succinctly say that. so no harm done on my part, and i think, chair bernal and others, there's been no ill intent received from anyone there. we're just all passionate and excited about the movement and look forward to growing deeper with the department of public health. i know that dr. colfax and i have had exchanges. this work has been -- during the time of covid has just been increased in terms of having conversations around racial identity and how the city steps

up to see people, so thank you so much for the apologies. i don't think it's necessary, and just appreciate your passion for this work. >> and you have my commitment that i would, like -- on record, that i would work as hard as i possibly can to -- with the black community in san francisco to make sure, like, we can, like, erase antiblack racism in san francisco. >> and i just wanted to say -- this is brittany. my comments were not directed to commissioner chung. they were directed to the commission secretary and working with him. >> and thank you, commissioner chung, for offering to tighten up the process and working collaboratively and figuring some of that stuff out. thank you so much. >> thank you, director. i look forward to working with you more. with that, mark, i would like

to call the question. [please stand by]

>> moving on to the next item, i understand, mark, that we'll defer the emergency medical update to our next meeting? >> i haven't checked with them on the schedule, but it will be the next meeter to the meeting after that. i have to confirm the dates.

>> thank you very much and then, moving on to the next item? >> item 8 is other business. >> consideration tor adjournment. i would like to ask that our commissioners agree to ajourn this meeting in memory of maria martinez. i know we'll be bringing forward something in her memory in an upcoming memory but her passing i know has deeply touched many in the department and we're very sad about this loss and want to express to those her family and others that we joined in this sad time and, also, at the same time, in memory of congressman john lewis. >> thank you, commissioners.

role call vote with that adjournment. (role call) thank you very much. (. >> pir pair thank you very much and thank you to the guests from the human right's commission.

>> this is the first digital family wealth forum. it is put forward by elected officials since 2017. we have served over 1300 families so far. we are honored to support you through the pandemic. we will be join by financial planners and experts to answer your questions.

i would like to go over a few housekeeping continues with you. we are offering spanish and chinese interpretations. please select the language channel at the bottom of your screening. there is an icon and q&a function at the bottom of the screen. if you have any questions, type it in and we will try to address it during the webinair. if we run out of time we will follow up afterwards. >> i will ask vivian to go ahead.

>> thank you, vivian. mario, will you please explain in chinese. thank you so much. before we get started. i want to remind our panelist to please mute yourself and stop your video until it is your time

to present. i feel like some of the guests say there is an echo. please mute yourself until it is time for you to present for your session. i will ask our leader, carmen chu, to give opening remarks before presenting our questions and to quick start session one. personal finance management. >> thank you. good morning everybody. i hope you are ready for a morning of financial literacy and good information. i want to say thank you to the folks who helped make this event happen. we are going to try our best to make sure this format is as helpful as possible. be patient with us as we start to experiment with new technology and a good way to relay information during covid-19. i want to thank everyone for joining us this morning at our first ever digital family wealth

forum. we had first started this program in 2017. as we were out apabout in the community we kept hearing questions from across the city how to be plan for the future. it wasn't just about if i have a house, what should i do with it? what should i do for your own personal finances to achieve big goals. education, buying a home or other things. we really wanted to put together good information to our san francisco residents to benefit from hearing from many experts. i think especially right now as we are in covid-19, a scenario we planned for may in person forum we wanted to make sure that we brought credible financial information straight to you. this is incredibly important especially during this time we have heard so many scams that

might be happening. we have heard unreliable information that people are trying to understand, figure out for themselves. what we wanted to do was to bring a program together today to address some of the big concerns we are hearing about, especially with covid-19. today we are going to talk about a number of different things. one, personal finance. we want to make sure we bring our cpa and financial planning professionals to talk to you about what you need to know for personal financial management. what is in the cares act, how do we maximize tax benefits and financial considerations during this time? second hour of the program is going to focus around resources for families. for homeowners, individuals, people who need assistance at this team. shannon with homeowners sf will

share information with you. we want to focus on the topic of estate planning and healthcare directives and what information and documents you need to pull together for the future. this is really important especially now with the global health pandemic. we are doing the best to stay home, stay safe and protect ourselves and loved ones. up of us will know if we contract covid-19 and what that consequence might be. it is a good reminder it is a good time to plan for the future. we have served over 1300 families. i know that we had actually hundreds of people register for this event today. we hope we are able to provide a good program for you so you have the first step forward of being able to plan for the future. before i introduce our panelist and get to the questions, i want

to thank my team at the assessor's office who worked hard to transition to online. vivian, arian and al are here and available to help not only with technical but also the questions that might come forward later from folks participating. thank you all for joining us, and i will jump right into introducing our first workshop participant. we are going to be talking about personal financial management in our first session. i am so excited to be able to have francis and heather join us. i will read you theirbios. it is an impressive history and great passion. i want you to know about them. frances is a san francisco based cpa. part of the finance team at ria

family office. worked for accounting terms for much of his life in private equity and venture capital. in spare time he enjoys volunteering and helps with the financial planning day and helps with tax aid to make sure he is giving back to the community on weekends and helping folks who might not have access to services the way other people would. outside of work you will see that he loves to do a lot of reading. he is learning to play the ukulele. i don't know that he will grace us with those skills today. we hope to learn more from the financial side of his mind. we also have heather a certified financial planner and involved agent at uc berkeley program director for financial planning and accounting. she teaches retirement planning

and employment benefits. she is vice president at hargrave advisers doing the financial planning and has a private practice as tax preparers. her writings have appeared in harvard business communications letters and elsewhere. we have two great distinguished guests to join us. welcome, heather and francis. >> thank you very much for the warm production, carmen. >> thank you. >> hi, heather, thanks for joining us. >> first question. we have a question about congress' act. under covid-19 there is a lot of activity happening in terms of programs available to individuals. one of the questions we received was around the cares act coronavirus aid relief and economic security act.

people want to know what economic repercussions are associated with it. any programs or things they should know about relating to this. i think heather will take the lead on that question. >> the cares act, like most acts is quite complicated with a lot of pieces to it. the ones most important for you are people whose income in 2019 was less than $99,000 have probably already gotten a stimulus check of $1,200 in the mail. if you didn't get that and your income is not very hi, check on it. you can go to irs.gov to see why you haven't gotten it. there are loans for small businesses and other important things. if you have a flexible spending plan or health savings account. those are both ways to save tax free money for medical expenses. two changes. you can buy over-the-counter

medications with those. the last five or six years you were not able to. now you can buy aspirin and things you need at the drugstore and you can use those to buy feminine hygiene products. that was never true before. if realize now that your health insurance or ssa or plans may not have the amount you want or type that you want, your employer is allowed to let you change midyear to put more or less money in the flexible spending plan and change your health insurance if the employer offers more than one plan. you can withdraw or borrow from the 401-k without penalty. you have to pay tax but there is no extra penalty if you are not 59.5 yet. those are the key points that affect individuals.

>> can you tell us about the differences on the topic around 401-k and i ras. this is often a point of question that people will typically raise. >> yes, in general 401-k or work place plan is a great plan. the most common type is 401-k. same is for 403b, 457, simple ira, sep or deferred compensation plan. those are workplace plans. if you don't have that at work you may have ira, traditional or roth. big differences. workplace man you can withhold up to $19,500 of salary in tax

deferred. if you have over 50 you can withhold another $6,500 for $26,000 altogether. if you have an ira, you can put up to $6,000 per year and $7,000 over 50. do the workplace ma plan to save more. >> can you expand on this. there is a difference when we talk about whether something is pre-tax or after-tax contributions. can you clarify? >> if you put money in the 401k or traditional i ra, it is pre-tax money. you put money in and don't get taxed now. that saves income tax in the current year that you put the money in. that is sheltered. when you take the money out later when you are retired, you pay income tax on it then. that is good because you haven't

paid tax for years, you are able to save money and are probably in a lower tax bracket when you retire. that is tax deferred. putting pre-tax money in and tax when you take it out. there are accounts where you don't save now but a lot in the long run. the roth ira if you put it in this year you will not save this year. it is after tax money. as that money grows over the years if you have got it invested it will earn income and dividends, capital gains growth, when you take that out you pay zero tax. both plans are good. if your 401-k offer an option to put some pre-tax and some roth. i usually do both. both plans are really good. >> is there an income criteria for roth ira? >> it is on the screen. if your adjusted gross income is

more than 139,000 and you are single or 206 and you are married filing jointly you cannot contribute directly to roth ira. important if you are married filing separately you can't contribute to any ira. take that seriously you probably shouldn't file separately. most people file single or married filing jointly. there are lower income limits for traditional ir a. if up high income and would like to contribute to roth ira. call th the bank and say backdor roth. they will help you. that is a code term to get money in roth ira with a high income. if you talk to a finance professional they can help you do that.

>> speaking about retirement. i think under covid-19 right now a lot of folks are stepped for cash flow. if we are talking about disruption in jobs because the employment has gone away, people are temporarily or permanently laid off or people with a shelter-in-place order and businesses not opening there is a need to make it through. people have been trying to figure out do i take out loans, should i be pooling money back from stocks and investment, taking money out from retirement funds, those kinds of things. should i stop contributions when i have more immediate needs right now? can you talk about what people should be considering or thinking about in that way. >> it is easier with a lot of money. you can shelter from risk with a

lot of money. if you had all you needed right now to retire and live on for the rest of your life, you don't need to invest. you can keep it under the mattress with no risk. most of us are not in that situation. we need to invest money to grow in the long run. the problem is we don't know exactly how the timing works out. probably now you need more cash than usual. not everybody but many people especially if you lost a job. you need more money available in your checking account to use it easily. i would say try to have a little bit bigger cash nest egg right now than normal. don't give up on investing completely. should we not contribute to 401-k for a while? try not to stop contributing. this is human nature to do the

opposites of what is good for us when it comes to money. the stock market falls and we don't want to be involved. we are going to stop contributing and saving. when it is falling that means prices are low. ideally you want to buy when prices are low. like buying things on sale. we have the opposite reaction when things are high. the stock market is doing great so we buy at the top rate. the best way to manage is if you can spare any cash from daily household budget absolutely keep contributing to 401-k, keep saving that money and this period of time when stocks are low you will be buying cheap. you will have more potential for gain in the long run. try not to stop contributing. try not to borrow or cash out your 401-k if you don't have to. if you lost your job with no

money for food the relief in the cares act allows you to take out money without penalty. you will lose the benefit of the long time savings. >> related to that question. someone had asked should i hold back my retirement plan when the market is crashing? what do i do with my stock and bond investments if i am planning to retire? >> it is all about timing. if you have got a long time until retirement, you want to be in stocks mostly. over the long one they do well. people usually start shifting their portfolio to something more conservative as they approach retirement. as you get older, people put less money to stocks and move more to bonds and cash, which are safer. not likely to crash but don't grow much over the long run. that is a reasonable plan gradually shift from stocks to

bonds and cash. don't do it suddenly. if you try to guess the perfect day, you will guess wrong. do it gradually. don't give up all stocks. you need growth. bonds and cash are not going to grow. >> next question is related to social security income. this is a question i want both heather and francis to weigh on. is social security income taxable? are there ways to qualify for the federal stimulus credits? >> i will jump in with taxable then to francis. your social security might be taxable but never all of it. if you have a relatively -- if social security is your only income, it is not taxable. if you are getting social security and you have investment income or still working so you have other sources of income, then it probably is partially

taxable. if your income is over $32,000 a year, you are married or 25 thousands if you are single. half of the social security income is taxable. if your income is over 44,000 a year 85% is taxable. that does not mean you are paying 85% tax. it means whatever your normal tax rate 12, 24% that will be applied to 85% of your social security. >> when you said 32000 does that include social security income? >> that is complicated. it includes half of the social security. there is an equation. add half of the social security to other income and add back the modified adjusted gross income. this is a rough guide. these are relatively low salary numbers for california in 2020. that is because these were set in 1983 and 1993.

it deliberately is not indexed for inflation more and more people pay income tax on their social security each year. >> francis. >> i think heather has done a fantastic job. i can jump in on how to lower your agi or household taxable income. i think one of the things i want be to clear up is that all of the discussion about the economic impact payment the $1,200 that attendees read about. that is based on your 2018 or 2019 tax information, whether you had information earlier or not. now we are past july 15th deadline, information, i believe like as congress works on some other package they are working

on, it may be based on the 2019 information. the information here how to lower household income is going to be based on how you can lower your household income for 2020 and forward. heather covered a good portion of these things. it is going to sound like i am going to sound like a half broken record. >> you can never hear this stuff enough. >> the traditional 401-k. what is that? did i lose you? >> you are fine. i was saying you can never hear this information enough. >> i listed on the different accounts like your biggest at the top going down. use traditional 401k has an annual limit as of $19,500

depending on your age you may qualify for catch up contributions. she mentioned workplace retirement plans. what if you are self-employed are these available to you? the answer is yes. there is a range of plans. if you want be the higher 401-k limit, especially if you are a solo entrepreneur or small business plan in the sense it is you and spouse working together in a business. consider setting up a solo 401-k for higher limits. this is the traditional ira. individual retirement account. you set it up not so much with an employer separately. this is something that everybody is not aware of. if you are married only one spouse earns an income you can consider setting up and contributing to an ira for the

nonearning spouse. you have read about it, you have come about the term spousal i ra. it is this concept setting up an ira for the nonearning spouse. the next one is the health savings account. different limits depending on the plan you signed up for and your age. there may be catchup contributions available. i listed the figures on the side. i am not going to read them. last, same thing heather mentioned consider the flexible spending account. something to think about. if you have signed up for health savings account. behind full of expenses to run through an ssa, the flexible spending act, if you use it with the health savings account, the ssa is a limited flexible spending account.

if you did not have an hsa, you can use the ssa for run of the mill co-payment costs, drug costs, health, vision and dental. you can run those through. if you use an hsa and ssa together. ssa can only be used for vision and dental. >> francis, i did see a question that came in from one of the folks participating who just wanted to know what can you spend in an ssa versus hsa. can you say again what can you spend out of hsa and ssa and if you have both what does that mean one more time. >> typically the two in terms what you can spend it on, congress has expanded the types of expenses you can spend it on. you can't tell you right now the

list. the typical is a matter of expenses to see your doctor, some type of physical therapy. i am quoting off the top of my head here, drug costs, these are things you typically would run through the h sa and ssa. you would only be limited to dental and vision expenses. you can still do that with hsa as well. when you have them in tandem, the limitations apply for ssa in this case. >> the list of things that you can count as medical expenses for the hsa and fsa is long. doctors and medical and dental and over-the-counter drugs are part of it. if you have questions about specific things, publication 5021 an irs publication that you

can google off the web. that lists every item. if you are wondering my doctor said i should install a swimming pool, those gray areas, 502 is the final answer. one fun fact about this i just checked for a client. she is buying long-term care insurance and could she use a plan to pay the insurance premium on her long-term -- premium on the long-term care? you can payout of hs a, not fsa. pay the long-term care insurance and some cases health insurance and do that tax free, which is great. >> anything else you want to add before i go on? >> i think in terms of united effort that people can lower household income. in terms of limits and

accessibility these are the ones that most people want to look at. >> thank you for that information. heather, there is a question that folks asked participants asked. does it matter if i transfer property before my required minimum distribution age and are there taxes on inheritance? >> second part first because it is easier. taxes on inheritance, likely not. california no longer has a state inheritance tax. a few states do. federally there is an estate tax that doesn't affect you until you have more than $11.5 million or if you are married more than $23 million. for most of us, no problem at all. if you do have more than $23 million call an estate

attorney. there are many good ones. one will speak later. they will shelter your income. you don't need to worry about inheritance taxes. the other part was about transferring assets before -- would you read that again. >> does it matter if i transfer property before or after my minimum distribution age? >> it depends on what you mean by transfer property. your required minimum distribution begin at 72. for many years that was 70.5. the secure act a few months before the cares act changed that. it begins at 72. >> can you explain what the minimum distribution age is first? >> that means if you have saved money in an traditional i ra or

401-k the government doesn't want it from this forever. at 72 you have to take some money out each year there is a formula based on your life expectancy. when you turn 72 you have to take money out each year. that means you move from one account to another. key thing is it becomes taxable at that point. if you have a very high income when you are over 72, you want to spread that out as slowly as possible so you are not paying a lot of tax every year. when you turn 59.5 you are allowed to take money out without penalty. when yout you turn 72, you haveo take money out. between that you are flexible. you can take money out and make it taxable or leave it where it is. that is a good time to think about how much tax do i want to

pay this year so it doesn't become a big burden later all at once. >> does it matter if i transfer property before or after the minimum distribution age? it is not clear what the question is trying to get at. it may be whether they should transfer real estate property before or after the minimum age. it doesn't have an impact necessarily. the minimum distribution age is when you are required by the federal government to take money out of the retirement accounts. it is unrelated to when it is appropriate to transfer a piece of property. >> it is unrelated. the only thing required minimum distributions start triggering taxi effects. if you are doing something to trigger taxes, talk to an adviser and look at the picture to see if you are creating a big

tax burden in a particular year. otherwise no connection. >> one question people have put in here. what are the best options to finance my child's college education? francis, can you take that one? >> i enjoy thinking about. it covered so much of what we talked about. so much of the things you do for yourself in future years when you plan for your retirement can benefit your child's eligible for financial aid as well. the way that i went through this. the amount of effort that you go out of your way to do. regardless of what is in front of you, be looking at scholarships and grants for your child. one thing that people are

thinking about is community college for the general e education portion requirements of the four year degree. they have transfer agreements with four year schools. one example is university of california. i think it is one of those things where i know for a lot of high schoolers in junior and senior year they are looking at all of these things and asks parents, parents are going across the country where do i want my kid to go? there is an option that it can definitely bring down the cost when you think about two years worth of university and housing and living costs for your child. that is a big chunk. one thing to do is if you pay down debt as well as lower household income. contribute to 401-k and that

helps with eligibility. certain things are not considered in financial said. the primary equity, unsecured credit card debt. say, for example when you fill out fasfa how much do you have today. $10,000 in cash and $10,000 in credit card debt. if you fill out the fasfa you have $10,000 in cash they will not be concerned that you have 10,000 in credit card debt. they will see $10,000 and that is going to affect the aid formula in a way where you are going to seem like you can contribute more to your child's cost than you could realistically. the best thing to do is net it out. if you took the $10,000 in cash and paid off the debt you made

yourself $10,000 poorer as it related to the financial aid formula. the last one and i think this is something most people have come across in terms of effort and going out of your way to put an effort this is 529 plan. one of the things that people don't realize. hey, i want to do this trip or i have this medical expense coming up. you can do that with 529. i recommend this to my friends. i am sort of at the age where friends are getting married. set up a 529 and send me the link. i will put in what i can. i basically have sort of contributed to your kid 18 to 20 years down the road if you invest the money properly. i mentioned in the first bullet point instead of toys ask to contribute to the 529 account.

most sponsors, i had a friend who set it up, not a recommendation, she set it up with fidelity. she had a link and used to e-mail to friends. contribute to my kids' 529 plan. the contribution limit is up to the annual gift exclusion every year. 2020 that is $50,00 $15,000. if you have a generous grandma or grandpa, it can be their time to shine. there is a term called front loading. you can contribute up to five years in one year. it is more complex than just doing the $15,000 per year and asking too much of people right now. it is an option available, also. the last and probably most important is invest money in the

529. if your child is 5 years old right now. some type of age where they are not at college level, you don't want the funds you have gone out and collected from friends and family to be in cash. it is not as much help five or 10 years later when your kid is going to college and you were earning 0.5% interest on the cash when you could have got a better rate of return. >> to recap, those were great ideas. tangible things parents can do to get ready for kids. one, reduce income by contributing to retirement and natural ways to bring down the income level so you qualify for financial aid. two, pay down debt because under

the fasfa formula they don't consider your debt. if you pay it down, it benefits you and reflects th the right wy so they consider what you owe. set up accounts that are savings account that you can invest in that grow with your kid until they need to use that funding. can you just expand quickly on are there drawbacks to these plans? i have heard some parents have asked the question shall i just invest in the stock market as opposed to opening up a 529? it sounds like they can only use it for education. what if we don't use it or the situations change? can you talk about the pros and cons what people should think about? >> i think people like to be concerned not knowing how much they will need. i think it is safe to say given

the cost of higher education it is such a small sub set that are not utilizing the money in the 529 plan. the benefit of 529 versus regular brokerage account, the gains that you use for higher education cost, they are not treated as income. strictly in that sense you are putting money in you don't get a deduction for. the gains are used for education expenses. you don't get taxed on. now one way to definitely mitigate the risk. what if my child doesn't want to go to child? what if my child qualified for scholarships and grants and we didn't need the 529 plan? one way to mitigate is set up 529 for theeldes for the oldest.

life changes and you can reassign the 529 plan. you can reassign th the 529 plao the younger brother. there are more considerations to talk about different -- i guess not so much lineage but i i am losing the word. if you try to go from child to grand child there are considerations in there. like the gift and tax planning considerations. it is such a small subset of people with those issues. more people are trying to come up with funds to pay for college and end up taking out loans. if i remember correctly, publication 502, i believe the

529 plans are revised a bit. i forget the exact dollar. you can take out to pay for student loans. is that right? >> you can pay for student loans out of it including your own. francis was talking about transferring to another family member. one child doesn't need it and you can transfer to a family member. this is apart tha a part of thet you can transfer upwards to parent or grandparent. if you are saving for the college's college you can pay off your own loans or take a class somewhere, get your master's degree and use that money. 529s under correct tax law you can use 10,000 per year per child for private school, not just for college any more. one more point to make. in the original question, you said something like should i

just put my money in the stock market instead of 529? that is not either or. 529 then invest it. you are putting in the stock market within the 529. you do have potential for good growth in there. >> absolutely. as francis mentioned you don't want to just put it in there and sit in a cash account. it was more so that the question was more geared toward instead of a 529 is it better to have more flexibility in an independent brokerage account. francis covered it in terms of the considerations there. thank you, heather for adding to that as well. we are getting to 10:45. i have a final question for you. i have seen a lot of questions coming through. i want to make room for that. the last question is a quick one for both of you, francis and heather. the financial planning and

getting educated is complex. people are stuck because they say where do i begin and start? it is hard, right? sometimes there is a million resources. based on your professional path and things helpful for people can you give us recommendations on how to start the journey on financial empowerment and personal growth and finance? >> you want to start, francis? >> sure. i put together my distilled version of the resources. number one is the website called humble dollar. i came across it one or two years ago. i am impressed how broad the topics are. it is an in depth personal finance resource. now, i tell them to go to the website. there are guides on all sorts of subjects including retirement, college, investing. it is not one all and end all.

it is not going to answer everything. it would argue it is a good job of it. it is amazing to me. i think if you are like me you are a big fan of stories. the richest man in babylon, a lot of you have heard about it. i include that. that is my biggest take aways from the three next books. a good savings habit is the bedrock of financial life. everything else flows from it. if you have really -- you can be an amazing investor. if you don't have good savings to come up with capital to put the investing skills to use it is not going to do as much good. that is one of the things that resonated with me. again, i am sure you have seen this book already. your money or life. it is an idea that money equals

time. people are well aware of, but it is limited and finite. that is intentional with your spending. the last one simple enough to pass to while you are working on it. you have one or two options. you can be rich or look rich. it is hard but i think people realize nobody can truly multi-task. it is putting yourself into one thing at a time. if your goal is to become financially independent secure it is easier if you focus on one thing at a time. those are my one page resources especially the website. >> fantastic. thank you. how about you, heather? >> i won't top those great general books.

there may be some websites in front of your face that you don't think about. irs.gov. they get the final answer. i tell tax students if you find a different answer on irs.gov, you win. it is well written. the answers are there about taxes including retirement planning. it is easy to understand. medicare and social security also have good websites. medicare.gov and ssa, social security administration. when you get ready for medicare, it is complicated. you have to make a lot of decisions. it is not easy. one resource is california health advocates. hicap provide free advice when you are making decisions about medicare. they have branches in san francisco and elsewhere. invaluable tool. take advantage of it and use that.

>> thank you. i have learned something new here. as i have been sheltered in place i had to shelter-in-place with my parents. we are talking through medicare conversations with them. this is timely. i am going straight to these sites to find out more. >> i would like to recommend another pair of books. there are some smart guys who wrote get with yours about details of social security. get with yours for medicare is another one. those are easy to read and have answers to every scenario. >> thanthank you, heather. with that i will turn it over to annie for some assistance in getting to the questions that participants have been asking as we have been talking. >> you guys are timely. i was going to interrupt you for the q and a portion. we have a question for francis.

in your scenario instead of paying off credit card, can you pay into the house mortgage? could that be an investment house that is not your residence? thank you. >> i appreciate the question. i can give a yes or no answer here. if you use the $10,000 in cash and $10,000 in credit card debt. if you use that and say you had a mortgage on your primary residence, yes, the same. because year primary residence equity is not counted in the financial aid formula. when it comes to investment property it doesn't work that way. the value of investment property is going to determine the value of the mortgage or debt on that property is not considered the same way your credit card debt would be considered. in this case if your goal is to make yourself better qualified for financial aid because of the

formula and the differences that it looks at your assets and debts you are better off paying other things than credit card debt and primary residence mortgage right after that. >> thank you. here is a question. for roth 401-k if you leave the job and roll over, if the financial institution requires you to selling, will you be taxed if you are under 59.5? >> no, it is not distribution if you roll it directly from roth 401-k to ira. do not tell employer to mail money to you. have it trustee to trustee transfer. send the money from the 401-k to ira. one little secret tip. roth iras one of the reason they are so great.

they are no required minimum distribution. if you have money in roth you can take it out when you have to. you never have to take it out. you can leave it for children. roth 401k do have required minimum distribution. rolling the roth portion into a roth ira when you leave your job. >> thank you. we have time for one more question. that is about student loans. is there any advice about programs other than deferment to help with student loan payments? are there forgiveness programs for those not in an education career? >> i will chime in on the second portion the forgiveness portion. the careers that qualify are not limited to education. it is expanded into some other

roles within government. i couldn't tell you all of the different roles that qualify. it is not just education. irow hate for people -- i would hate for people to think only teaching jobs qualify. you have to understand that typically for forgiveness type loans they are only for loans that are from the federal government. it is not typically private loans that qualify for this. a lot of people have a good understanding of the type of loans that you have and options available. sometimes i know it is asking a lot of people. try to have a conversation with your lender. i think it is no surprise people are una lot of stress financially and just everything else going on in life. lenders are very receptive to

conversations. >> it is getting close to the end of session one. at this point i want to ask you to wrap up with any closing remarks. >> i will say thank you to francis and heather. i think the hour went by fast because you covered a lot of ground and had a lot of different questions. i hope the questions and answers were helpful. the recommendations you gave in terms of how we can begin the path and journey in terms of financial education is good. it is never too late to start. the more you read, the more you know, the better you can engage in conversations and ask more detailed questions and learn more the more you go. there is no wrong question. there is always a good time to start. i hope this helps people to get on that first step. thank you francis and heather for taking time to be with us.

>> thank you. >> you are very welcome. thanks for having me. >> thank you so much. it was an insight full conversation and providing resources for participants. we will share the recording afterwards. you are letting us know you are unable to assess them. we will answer any questions we did not get to. we are going to take a five minute break before the second session. please look at the bottom of your screen. there will be a survey. give us feedback about session one. we will take a break and be back in about five minutes. thank you.

>> if you are just joining us, welcome to the first family forum. before we begin the second session, i would like to let you know this is being recorded and shared on youtube live and sfgovtv. i will ask our interpreter to explain in language so all participants can understand.

>> can you please also good ahead and explain so everyone can get settled in their channel, please. >> thank you to the family

digital wealth forum. it is put forward buyer our assess or since 2017. we have served 1300 families and we will support you through this pandemic. before we start the second session, i would like to go over a few housekeeping continues. we are committed to serving all populations. we are offering spanish and chinese interpretations today. if you prefer those select the language channel at the bottom of the screen. click on the icon and select the language. there is a q&a function at the bottom of your screen. at any point you have questions type it in and we will address it during the webinair. if we run out of time we will follow up with you. i would like to ask vivian to explain so participants can get settled in the channel.

thank you. right now it is 11:10 a.m. may i ask our leader carmen chu to join us as we get started with the second session, financial assistance for families. >> thank you everybody for either joining us for the session or continuing on with us. we think especially during this time having access to credible and good financial information is more important than ever. i am really excited t to introde

shannon. especially now as we see so many different families and people struggling with covid-19 because of job loss or because their businesses are on hold, i think it is important to try to provide as much financial help as we can and this session is going to talk about the resources that are available to families and to individuals to be age to plan for the future. i want to introduce shannon before we get to the questions we have received. for shannon she is one of our longest standing partners when it comes to financial education for citizens. i want to thank shannon today. she is the executive director for homeowner ship sf. she believes financial education is personal empowerment. she ran before in this role a

real estate business for 10 years working with first time home buyers and small investors and helped them to make sure they understood what local home buying assistance programs were and other resources. she transitioned to nonprofit sector i in 2011 to advocate for home ownership. she has seen all of the different transitions in the bay area. as she developed the financial services and first time home buyer program at san francisco lbgt community center and administered the lending circles program in partnership with mission asset fund previously. she served as vice chair for habitat for humanity from 2013-2014 and was on the board of directors for home ownership sf prior to joining as staff member and now executive

director. we are fortunate to have shannon join us and to be able to share her experiences and really help us to get good information so people with understand what is available to them. i want to jump right into this and ask you, shannon, welcome, to ask you. i understand home ownership sf has a network of counselors to provide one be on one services to families in different neighborhoods on the ground what are you hearing from families? what are the big issues that are really arising in particular because of covid-19? >> thank you for inviting me here today. we really value the partnership with the recorders office and you are helping with to get people more options. that is very important part of

the work we do. thanks for inviting me here today. thank you for having this fantastic event. we know it is a challenge to try to bring information into the community with shelter-in-place. woe ar arehome ownership sf hass that are the approved housing agencies in san francisco. asian inc, san francisco lgbt center, mission economic development agency and san francisco housing development corporation. these agencies came together in 2008 with the mayor's office of housing to create home ownership sf as a way for these different agencies serving different populations and parts of the city to be able to come together

in response to the foreclosure crisis happening at that time. we are excited to work together to ensure that regardless where you go that we are having the same standards with service available to make sure we are providing the services. the member agencies are doing the direct services, provide housing counseling and workshops and education and services. our role is to help coordination and the convening of in network, and also we work more broadly speaking with other agencies in the city. we frequently partner with san francisco bar association and housing economic advocates for

legal services, we work with the tenants union and housing rights community and other agencies to provide eviction defense to avoid being a victim and displacement. it is everyone coming together to understand the importance of this work and that no one agency can do it alone. we need to be proactive and very coordinated. the to ensure they get the services quickly. one good thing, i would say, if we can start with a lake at the end of the tunnel is that from the perspective of loan services and banking institutions, you know, we know that it took them a while to get on board when we had the 2008-2009 foreclosure crisis happening. there has been some

infrastructure that has been developed in the meanwhile that we are able to tap into at this time. we have seen the loan versus coming to the table much sooner and with valiant efforts to help prevent another foreclosure crisis to work with people experiencing financial distress and really what we see is that the more open that conversation is the more the versus are understanding what people are going through, where they experience financial distress, particularly related to covid and shelter-in-place. the more understanding and flexible that they can be. you can't get help if you don't ask for it. we are involved in trying to help people not only to have the individual support and education and resources that they need, helping people who have had

credit issues or undebtor relying on credit card goes to get through. we can work with services directly with the authorization and approval from the homeowner to negotiate with banking institutions for your mortgage as well as for other creditors? >> this is important. for many people going through a tough time it feels like they are going through that time alone. it feels like a big stress not to deal with only financial instability but figure out the solution on their own. i want people to know that we do have this resource here, home ownership sf, with counselors and people to help you. i want to make sure people know that because you don't have to

do it alone and you can get help from people who are kind of doing this day-to-day and know what to share with you. just make sure that folks organize and have links. home ownership sf is there to help people through this process. i wanted to ask you. you mentioned that home ownership sf or affiliated organizations can help with negotiations with banks. it sounds like you said a lot of banks are coming to the table faster or financial institutions are coming faster. is that what you see in terms if people are asking for assistance are you seeing the banks are willing to engage in conversation and home ownership sf is providing assistance with those conversations as well? >> absolutely. i do think that we are in the calm before the storm here.

we know as we have looked at people who are unable to pay the mortgage payment or homeowners association dues in march, april, may. as compared to july we see people struggling. as i mentioned the sooner you reach out, we are finding that many of those services are absolutely willing to work with people. you know, not going alone is huge. this is very, very overwhelming kind of stuff. often times just the very basic being able to get somebody on the phone can be a real challenge for homeowners. the great thing with our housing counselors is to leverage the contacts and relationships they have. where we might be struggling for

a response from the loan servicer. we might have a way to the backdoor or to help encourage communication to happen more accurately and consistently. it does require an initial assessment. the first thing and one of the reasons why nose relationship -- those relationships are valued is because they know we have met with the clients. we have assessed the situation and we can quickly and accurately relay what is going on. the first step, of course, would be to come in and meet with the housing counselor, bringing the documentation you have. we can help you make sense of that and figure out what is the best game plan and solution i would like to proceed with. they will sign third-party authorization to give us ability to talk to the servicers.

that is confidential information that needs to be authority to happen, but we are able to then step in and help guide those conversations especially for people who may still be working or have other obligations dealing with home schooling and family situations. finding the time to be able to do that and follow up and, you know, make sure we are staying on them. that can be a real challenge and that is a huge burden the counselors can help alleviate. it doesn't mean we do it all for you. there is some participation required on the part of the homeowner to make sure things are moving forward and to provide documentation. we help guide that process. the other thing to say is important that if we do start seeing foreclosure numbers rise we will see a rise of scams that come along with that.

there will be people who are in the business of accepting money to try to counseling or to try to negotiate on the homeowner's behalf, and that is kind of a big red flag that they are charges, especially if they want thousands of dollars upfront to do anything. that would be an opportunity to run in the other direction because all of our services are provided at no cost. the city helps to fund to make that possible so these services can be provided free of charge to the homeowner. >> we have seeing an increase in the fraudulent behavior happening. people are vulnerable at this time looking for possible hope and help. it is overwhelming. they are more susceptible to when people come to them and say i can help fix the problem and

make it go away but you have to pay me ahead of time. we want be to caution people and reach out to non-profit partners like home ownership sf to make sure you are connected to credible information. i think this idea about credible information and help is really important especially at this time. if you or somebody you know are in need of this kind of assistance, make sure they hear this message and that you share this resource with them. i am going to jump into a lot of people are curious to know whether there are financial assistance programs currently available for families or homeowners or tenants. can you tell us what you know is out there? >> absolutely. the most common solution we are seeing at this time, which is quickly and readily available to the majority of homeowners, is forbearance. now this is a very general term that can mean a lot of different

things. there can be different terms depending upon the service error the investor be that is behind the loan. basically what forbearance is temporary suspension of mortgage payments that is agreed by the servicer to allow somebody to recover from financial hardship. loan servicers are in the business of servicing loans, not necessarily wanting to do foreclosures. obviously foreclosure is a last result for many of them. often times we do find that those servicers will easily agree to forbearance when you can document the financial hardship. what that means you have to pay the amount at a later date. it would allow you to skip

payments for three or six months, up to a year, during which time interest will continue to accrue, but no monthly payments will be due. typically the late fees are waived. in some situations late fees are included, for the most part they agree to waive late fees. repayment is where you are going to see the biggest difference. in terms of the terms different forbearances, person to person and bank to bank. it could be there is a lump sum, balloon payment due at the end of the loan. you pay for 30 years and there will be an amount set aside that needs paid at once. sometimes you will see where however many payments were miss will be tacted on to the end of the balloon. you would pay into that 30 year term to pay the loan in full.

what we see more commonly is repayment plan over agreed upon period. perhaps temperature institution will say, you know, six months we will agree to this forbearance. at the end of six months, you know, you can either pay a lump sum that is due at the end of the forbearance or more commonly we will give you 12 months where we slightly increase the payment you are making when you make mortgage payments again to pay that off over 12 months what you didn't pay for that six-month period. if you have been offered a forbearance, it is really a challenge to get those terms documented. it is really important to ask to make sure you are clear on what the conditions of that forbearance are. this is something that we have been seeing where the counselors are having to make that extra effort and push to help make sure that we get something in

writing, not just verbal yes without proper clarification and documentation of those terms. >> that is important to not just on the phone, yes, this is what is going to happen. to know what is going to happen aten of forbearance period. especially now it is hard for folks. if they don't have the ability to make the ends meet right now, it is tough to imagine if things don't change they will be able to do that in a few months time. can you tell us about any loan programs that might be available to folks? >> absolutely. the forbearance is the first step. it is pretty much insure for most federally backed mortgages. that means the mortgage has been insured or is completely owned by a federal agency. if your loan is insured by

fannie mae or freddy mack. fma or va loan, that is an automatics forbearance that is required of the servicer before they proceed to a foreclosure process. that really is the first step. for people for whom this does not apply, for people whom this does not solve the problem. there is city money available. we have the help loan which has been in place for several years now to provide $50,000 for homeowners who have become delinquent or need additional financial supfort from the city to get through and retain housing and keep their home. iin response to covid, the city

has laxed some requirements and created a special loan for people experiencing financial hard ship due to covid-19. this is available online at the mayor's office of housing to apply. a housing counselor can help you apply for it. that can be an amount of money between 12 to $25,000. that is to help with either current or or future hoa dues, back mortgage payments, and also that can be applied to special assessments if that is something somebody has a condo with a special assessment situation. we are seeing the help loans focusing on the mortgage, needing assistance with the mortgage. of course, to prioritize this money for the people who need it the most the city is going to want to see that if you have a

mortgage forbearanc forbear fore possible they want you to use that first before reaching out for the possible funding. >> next question is for me. this is a question that came in from participants who asked about generally property taxes. we understand that in addition to -- typically for many people if you are still servicing alone your mortgage payments typically are a large expense in terms of maintaining your home. on top of that there are property taxes that are a portion of what you are paying. the question here is will this year's property taxes be delayed or reduced? are there tax savings for seniors? one thing is important for people to know. in san francisco we have to follow the same rules that every

other county, all 58 counties in the state of california follows with properties taxes. it is a county function basically governed by state law and state constitution. probably many, many people know part of the property tax laws are governed by proposition 13 as well. some of these things are not changeable even by the state legislature. there are some elements that could be changed by the state. that is to say that we have had a lot of questions from people about whether we can in san francisco just simply not collect property taxes or do something different. we are tied to state law. if the entire state is doing something, we can do it. we cannot have a different outcome in san francisco that way. there are things important to know. there is a senior through the controller, state controller, there is something called a tax postponement program for

seniors. this is for seniors and individuals who are disabled. the interest rate is something like 6% or so. more information on the state controller's website. that means that if you qualify for the programming, you meet the income threshold for senior you could have your property taxes postponed and not pay them and you would pay them back with interest when you sell them or when you sell that property or if the time comes you pass away and your home is basically transferred to a new owner. there is an interest rate associated with it. not probably the right program for everybody. it exists at the state level. we will share that link with you. this is for seniors. there is an income threshold in terms of people who qualify. i want to go to our slide, if

holly can put up the slide to show the considerations for how it is to think about whether or not covid-19 impacts property taxes. the first thing to make sure that you understand is just the timeline for how property taxes are created. you are going to see that there on the very left of the slide you will see january 1 is an important date every year in the. [ a brief recess wain theassess. it is the day when we decide what your values are at that point in time. we look at the value of your property at that time and compare to your protected value. whichever value is lower is what we use in terms of value to calculate your property taxes for that upcoming tax year. why we show you the property tax

timeline. from january 1 when you receive the bill and make the payment. there is a lag. we are looking as of january 1 every year for what that market value comparison is you won't receive the bill for that payment until october of that year. for january 1, you receive the property tax bills in october. they don't become due until december 2020 in this case and april 2021. there is a full year plus lag when you make the property tax payment for the january 1 date. under the covid-19 scenario it is unlikely in general we will see a big market impact to january 1, 2020. why? everybody can recall in san francisco we did not have a state of an emergency declared until february. past that day. shelter-in-place didn't happen until march, much later than the

january 1 date. the shelter-in-place and covid-19 didn't impact market values january 1, 2020 which is used for your up coming tax bill. we know there is an impact in terms of market and what we can see going forward. if we continue to see the shelter-in-place scenario for a long time, if we continue to see significant drops in terms of business activity and economy and market values of property going to january 2021. what we expect to see it could have an impact on your value at that point in time and we would see an impact in that out year. in terms of property taxes for this upcoming year, we don't think there is a huge impact related to covid-19. the out year we might see that impact. there is another slide we want to share with you. this is something that is important to understand for prop 13.

remember when i mentioned that we take a look as of january 1 about what your market value is and compare to the prop 13 value. people ask what is my drop 13 value? this chart helps to understand that. if you take a look at the lower line on the graph and it is a solid line, this is something that illustrates what the prop 13 value would be. what happens in this scenario. you purchase the property in 2019. you bought for $700,000. under prop 13, the way we have to tax you is we would essentially have that value $700,000. that was the market value when you bought it. we would increase assessment or taxable value by no more than 2% or the california cpi, whichever is lower. we have seen the cpi has been roughly 2%. it is a cap how we can increase

it. it has rarely fallen below 2%. that is the inflation factor. as you can see in 2019, it was $700,000. in 2020 we would generally be taxing at $700,000 plus 2% increase. every year there after. now take a look at that line, the dotted line above. this might reflect and actually this number here in terms of the in my example that $1 million should be connected to that $700,000 there. the way that works we would say what is your market value as of eachtieach particular year? in 2 2020 it is $700,000. perhaps at that time the market value if you tried to sell the home or buy a like property is 1,100,000. we would take the $700,000 value

and use that number to tax. it is the lower of the market value or prop 13 value. if we go forward to 2021 value, i think this is an example where in 2021 we see a drop or reduction in market value of your home. in this case you still wouldn't see a property tax reduction because take a look. your prop 13 value is still lower than that reduced market value. i think this is why we want to be illustrating how we would take a look at it according to the law. we are taking a look at every january 1 what your prop 13 value is compaired to market value, whichever is lower we will use for taxation purposes. not only are we taking a look at the market conditions in terms of if the values are dropping,

these would be the prop 13 value. is it higher or lower? if the market value is lower, that will impact property taxes. hopefully this is helpful for people to understand how the property taxes work and how it is tied to state law as a whole. in the next slipped we want to share that we do have -- in the next slide we will share the property tax programs. for people living in your home. if you are a homeowner and you live in the property you qualify for homeowners exception. we send out the notice in july. on that list or sheet you are going to see a line that points to homeowners exemption. if you live there the home and don't see the deduction or credit for the homeowner's deduction, please contact or office and fill out a form. we will make sure we can apply that so you will savings.

it is a $7,000 reduction to your assessed value. it translates to 70 to $80 in terms of tax savings annually. it is not a lot but better than nothing. a lot of people ask why that is so low. that 7,000 reduction number was passed at state level in 1978. the state legislature hasn't changed that and it hasn't gone up since that time. that is why the number was low. i used to be more meaningful in 1978. it is different now in 2020. the other program that we want be people to know about is you also have special assessments on top of your regular property taxes. these are because of lower approved -- voter approved ballot measures. it could be