service's foreclosures? property maintenance, inspection, forced place insurance. doesn't that give the servicers an incentive to force home owns -- force homeowners to add on things? >> senator, i think that certainly you raise a good point. that there are all sorts of different interests in place that have to be balanced. i would maintain that there's not necessarily a conflict of interest for in fact it may make it easier for the consumer to have services that are provided in house versus going outside the house. now, i think that most of the standards that are proposed would require those services to be offered at fair market rates and not be marketed up and we've had expensive debate throughout about what's required under respa in that regard. you raise a very good point. but i think it's a case by case -- >> how about forced place insurance? and the effect on borrowers? >> keep in mind what forced place insurance is designed to do. if you lend me money and i give you a security interest in my house to

that is the service parrot. the parrot is trained to calm him down by speaking certain messages to him. he has a special backpack to be able to carry that. under the regulations, that animal is no longer allowed in. you see golden retriever, it is an alert dog. that dog has been trained to push a button on the photoperiod that as a service machine that has been used traditionally for many years. here you see him -- it is no longer protected under the 2010 regulation. oftentimes when i talk about how miniature horses being allowed under the new regulation is for people that are blind, they can only work for seven or eight years. and can continue working for 30 years. [unintelligible] as the breeds of dogs note in the 2010 regulations, there is no restriction on the way, size, or breed of dog. i have a conference of chart for you -- comparative chart for you. under the 1990 regulations, it should have been any animal. regardless of species, size, weight, or breeding. now, it is only dogs of any size and a miniatur

service animals. emotional support of animals are very different from psychiatric service animals. psychiatric service animals have been trained to do something very specific. and emotional support animal may not necessarily be trained to do something specific. whether they be well behaved in public or in a good citizen manners. they may have obedience training, but not necessarily to perform a specific task. there is a reason why people with disabilities or emotional disabilities will be able to get out of their house to go on about their business simply because they have an animal that helps with anxiety. if those things were not confusing enough, there are state and local laws and california state law that expands the definition. the rules are more inclusive under the housing act. we are now in this very complicated situation where you have an emotional support animal having essentially the rights of a person being protected in housing or being protected on the flights for the airlines. the same th

servicing system. let me be clear. national servicing standards may not change the final outcome for many homeowners at risk of foreclosure. all mortgage customers need consistent servicing processes that give them timely responses and information on their options when they require experienceed difficulties on their mortgage. i'll address two of the most prominent issues in loan servicing, the desire to have a single point of contact and the dual track processing of loans going to foreclosure versus the modification process. to a frightened homeowner, the single point of contact is one way to lessen the confusion and explain to homeowners what steps are required by servicers, investors and state law. it's important to emphasize the servicing system is facing completely different challenges in today's environment than it was designed to manage. over the years mortgage servicing developed uniformity in part because the standards for many loans were set by the g.s.e.'s and f.h.a. guidelines. fannie mae an

and contributing to service reliability. providing motorists two-way travel. this stage of construction is now complete. transit and commercial vehicles are east of-st. commercial vehicles must turn right onto charles brett and placed in turn right onto market street. the staff has been working with the board and a direct mailer has been posted. the next project of like to report on is the tracking and street improvements. as i give this report, operations into finalizing for the shutdown which is scheduled for friday, september 23. the work will include an installation between market and fifteenth street. the water main replacement which is being conducted by the water department. this work is expected to be completed later this week. it was started in mid july and will continue through august. the department of public works is expected to start and will take two-three weeks to finish. and yet another part of the public utilities commission. it is scheduled for october 21 to accomplish work at the intersection of market and church. we anticipate that the thir

i want to focus on the issues of the metro service. i was on several of those delayed trains s somehow had e- mail service and had a full report explaining it. it was quite nice. after my fellow passengers stopped yelling at me, they were appreciative. that is what prompted the call for this. these things happen, but it is not business as usual. right there on that day, he had figured it out and outlined how he was going to fix it. it was the same problem he has november. he needed to extend it to the whole fleet. i am not going to confess that i know poe's work better. i think when we have these significant meltdown or problems in service, but the community of that this isn't another day on muni. we're goint to do something -- going to do something about it. my own personal observation is that there seems to be l delay before the operator knows he is supposed to throw it to emanuel. and my experiences, the operators could not have been more professional explain to the passengers what was going on. again, i am glad to hear there is a p

service. cloud computing has a lot of fathers, but tim is often called the grandfather of cloud computing because of that endeavor. but tim is also an investor in a cloud computing companies, and author of some very exciting cloud computing books. thank you for being here. next, we have simon crosby. he is an entrepreneur, who has just launched his latest company, and he might tell us a little bit about it. before that, almost just about a month ago, he was the cto of citrix systems. he got there by selling his last company to them. that company has developed some of the key virtualization technologies, which enable the cloud. he made a big contribution. thank you for that. last but definitely not least, we have jeanette tomlinson, the cto of our very own, dear city of santa francisco -- gina, and sen. she has had a very daunting task of taking the legacy infrastructure of the city and moving that to a professional data center. but also, setting up a virtual private cloud and making a foray in

so we did not want to impinge or degrade the level of e-mail service or the quality of service we were providing the city and county, so we had to look for a solution that would allow us to maintain a quality of service, maintain the availability and reliability of e-mail in the city and county, and also to get us all on one single solution for the city and county. prior to our decision to move to the crowd, many of our agencies were under disparate e-mail systems, so we were not able to effectively communicate. all 25,000 of us were communicating in different areas in different ways, and we wanted to be more collaborative. we wanted to be able to communicate in a more uniform manner, and we felt that a single solution in the cloud was the best option for us. >> thank you. i'm going to go to attain because cloud is often called technology. i've heard him call it a business model. he has written a very popular vote which compares all the different business models. tell us why you feel that way. >> actually, i'm going to make a comment before that. a lot of people discuss whether or not

what is a service economy? right? is it answering the phone nicely? is that a service business? is it flipping burgers burgersin-n0out? i get to say that around here, right? i would contend you that a service business is a business which delivers information that is personal and relevant to you. information that is personal and relevant to you. whether that means i go down to mark hopkins or wherever and talk to the concierge, and i really would like to find a cheap chinese restaurant that i can walk to that is less than $5, then he gives me the right answer or she gives me the right answer, or i go to my doctor's office, and this is based on your gino and lifestyle, we need to put you on lipitor and need to exercise more, right? that is service, right? let me take you to computers. visualize the amazon website for a second. what are they trying to do there? they are not trying to deliver information that is personal to you, right? people like you bought this. people like you listen to this, right? i will ask a question. for the technical people in the room, where is the transac

members have access to services everywhere. i mean, it's a tremendous, tremendous report. and, hector, where the rubber meets the road, when you're dealing with the problems in the local area, do you see, you know... what are some of the needs that still remain to be filled? obviously, we're hearing that there's all these new initiatives, and what do you think is the top priority in terms of the folks that you're dealing with? well, all of this is very admirable. i'm glad that there are things beyond service, beyond active duty, but everything begins during active-duty time. so, i also focus on making sure and just dialogue, even with the active-duty forces, because there are services there, too. there's family advocacy, there's the chaplain system, there's all sorts of counseling for financial, personal, those services are already in the active-duty force. we need, or i would like to see that continue, to be advertised across every military installation and honed in because we need to try and attack or make the problem recogni

rand study unemployment among returning service. many chose not to return to the pre-activation jobs but instead to unemployment conversation for ex-servicemembers. although aimed at helping reservists did not have a job, these benefits were also helping reserve his search for better positions. also we have identified difficulties in the early implementation of the post-9/11 g.i. bill. this research may help the va and institutions of higher education focus their efforts to make these benefits more accessible and easier to use. it would be helpful to have researched taking an integrated view of the job search, education, and health care of servicemembers who are transitioning from the military, particularly those with behavioral health conditions. studies in this area including ran studies have not taken an integrated view. thank you once again for the opportunity to address the committee. i hope that rand work on these subjects can be helpful to the committee in fulfilling its in porton mission of serving our nation's veterans. >>

must meet at the nbf level and servicers who fail to serve delinquency servicers, the servicing rights would be served and servicer replaced. mr. couch, can you discuss whether you think such approach would be effective, and then mr. hopkins, could performance thresholds get servicers to perform better on behalf of investors and borrowers and at the same time replace regulatory burden on community banks from servicing loans? >> sure. there are already in a sense preference thresholds. fannie mae and freddie mac have time lines required, measure them against state law and how long it takes to fore close on a loan, and there's incentives in place for servicers to perform under their guidelines. certainly, there are really great things done by the small and special services out there, many who are members of hope now, who all they do is high, touch, and feel and help those in disstress, and that's their main business. the larger shops have performing and non-performing aspects and a focused effort. thresholds of ability to move servicing by investors is something to be considered because

postal service.ack after this break, but that the unemployment numbers out yesterday and what they mean for the economy. you're watching the "washington journal cave -- the "washington journal." ♪ >> the house of representatives has been off eight weeks already this year including this week. if you get eight weeks of vacation? i did not. >> on our nightly tcu -- tv show, alyona minkovski takes a more irreverent view on washington and the u.s.. >> we're willing to step outside the box and try something different, to figure out how to make tv news exciting and entertaining and informative again, rather than like i said, the cards that it had dwindled down to. >> she will talk about her network in her show on c-span sunday night. >> good things come into is. there is c-span coverage of the house, and live coverage of the senate on c-span2. you can see them when everyone at the c-span video library. c-span2 as non-fiction books on book tv. >> c-span3, explore history tv. >> caller twitter. >> join us on

of peer support services so important? the most important part in there is because, being a veteran, you can understand another veteran, because you've been there, you're going through these things as well: the operations, deployment tempos, and that sort of thing, the operational picture of everything. you've been there, done that, so to speak, as we always know. so by providing myself and making myself available to veteran organizations, anybody that deals with veterans -either active or reserve or haven't, you know, under the va system- then that helps out. it just supplements the help that they are already getting, you know, through treatment and so forth, to go ahead and relate, to bring that component of compassion and understanding, let them know that there's something we can do, there's hope. i want to go back and talk about a little bit on the issue of homelessness. now, we see post-traumatic stress disorder, we see alcoholism, we see other substance use disorders, and then you also see depression and other mental

i thank you for your service. bravo. >> our next speakers. >> i am with a san francisco cab drivers association. i want to support the meter increase that has been proposed and i expect that you will accept that. i am against the 10 medallions that are being sold directly by the mta. i do not think the mta should be in the business of selling them outright. it is one thing to sell to other drivers. there is a rationale for that and giving an exit strategy but there is a conflict of interest when the mta start selling the medallions and getting revenue and the question becomes, do we need the cabs or do you need revenue? we did discuss a single operator permit, we voted on it. i do not know why jim gillespie said we did not. i do not agree with the mta renting them out as a pilot program. i like the incentive idea that if you take enough radio calls there would be no charge for it. and possibly explore what was suggested about the medallion holders being able to purchase the medallions or obtain them. i think they

without service, it is isolated. another thing i am working on is trying to get more taxis onto the street. a world-class taxi system is a complement to any public transportation system. >> how do you think the police department is doing? do you have any thoughts on how the city is dealing with crime? >> i was a big supporter of chief gaston. i think he will do a great job in the district attorney's office. part of me was sad to see him go from the police department. he had come in and started modernizing the department. it's technology -- a lot of different changes that needed to happen but were not happening until he came in and start of the department on the right path. it is critical that whoever the next chief of police is continue that modernization of the department. it will have benefits citywide. in my district, we have public safety challenges. the district is often viewed as a "safe district." we do have violence. we had a bunch of violence around delores park last year. there have been robberies in glen p

and services provided for emergency calls by the ambassadors. we could not exist without the help of deputy city administrator linda young. she is also the cfo. she makes sure we have all our resources. so this concludes our press conference. media kits are in the front of the room. thank you very much, everyone. [applause] of the san francisco municipal transportation authority board of directors. roll call, please. >> director heinicke will be here today, shortly. [roll call] you have a quorum. please be advised that the ringing of venice and telephone or any sound producing devices prohibited. any person responsible for one going off might be asked to leave the meeting. it does cause microphone interference, so the board respect fully asks that they -- respectfully ask that they be put in the off position. chairman nolan: all in favor? so moved. >> communications. chairman nolan: to dave's meeting will be adjourned and the memory of the 19-year veteran of the sf mta that serve in the information technology division for a number of years. we h

we are a country of service jobs, service-providing jobs. something like 70%-80% of our jobs a in the svice- providing sector. that is important. you get into some things like the demographics that we've got going on like the health care jobs which i expect would have strong growth going forward as we have an aging population. that is the sort of thing -- the sort of advice i would give. >> thank you very much. >> unless there are further we'reons, mr. ahall, grateful for your testimony. phil, we hope you can come back in your years of retirement. you said you will be fishing but if you can squeeze in some hearings between fishing, we would love to have you back. unless there are questions and comments, we are adjourned. [captioning performed by national captioning institute] [captions copyrit national cable satellitcorp. 2011] [no audio] [no audio] >> next week, "washington journal" will look at the jobs situation. tuesday, the focus is on technical education and the work force. wednesday, a look at private- public partnerships and job crea

service.y want to privatize this, as well. and i want to make it very clear tonight that not one tax dollar goes to running the united states postal service. it is all operated and funded through the stamps that you and i purchase. joining me tonight is cliff duffy, he is the president of the american postal workers union. mr. duffy, great to have you with us tonight. >> good to be with you, ed. >> did what i say wrong? or is that accurate? can you add to it? >> that's very accurate, ed. the postal service has overpaid into their retirement monday, billions of dollars. that's money that's withheld from the workers and was matched by postage revenue that we, through our productivity, have earned for the postal service. and that was given to congress to prepay our retirement funds. well, the actuaries, the independent actuaries said there is at least $50 billion overpaid in this one fund. and $75 billion paid into it by the other actuary. this is done by the office of the inspector general and t

the state will transfer services to state governments and local governments. to city and local governments. we have the legislature's proposal to eliminate or condition the redevelopment agencies which is not directly addressed by this measure. there is an overlap. a lot of the economic activities have an impact on our economic climate in the city. within the current state budget, there are a number of figures in the budget and what the state did to balance this budget as i am sure you have heard is rather than actually does make all the cuts that it needed to get to balance, the state made an aggressive assumption about the revenue that will be coming in over the next year but essentially said that if that revenue does not command, there will be triggered some place said that if we don't see the revenue, these cuts will go into effect. despite the fact that the state has passed a budget, we are potentially going to see additional cuts to public safety, child care, other services in the city. i know that the issues of government service are certainly relevant

technical services for the highest. they provide engineering and printing services. as part of their team, they have brought on the several sub consultants, including architectural resource group, ags engineers, and martin lee corp. cost estimators. and with the negotiated scope and contract, we were able to elevate the participation to approximately 35%. again, the funding is through the 2008 clean and safe general- obligation bond. f the amountor -- the amount for phase one -- it is a total contract award of $709,000, and then we added 10% to deceive or not to exceed amount of $780,000. the staff requests commission approval to award the contract and we are available for any questions. thank you. >> motion? >> second. >> questions? the questions. any public comment on this item? ok, all of those in favor of the resolution? and he opposed? resolution 11-44 is approved. >> item 10 b., request authorization to award the contract for construction manager/general contractor services for the pier 27 james herman cruise terminal and northeast wharf plaza project to turner

yes, any type of retail sales and service, including financial-services. that is the spirit of the law and is also the letter of the law. some of the planning department over what the the category of retail sales and services is a catch-all that includes financial services. but we can always get the zoning tables for neighborhood commercial districts, even the zoning administrators can do this as well, and see their financial services is included right there under the category heading a retail sales and services. it alleges that a fix is unnecessary to correct this oversight. we just need the planning commissioners to clarify the financial-services are included in for miller retail, so that any pending or proposed permits require a hearing to determine that there necessary and desirable for san francisco neighborhood districts. to speak to what the gentleman just said, my neighborhood was denied a hearing for the permits. chase is clearly a chain of financial-services with over 5000 standardized establishments. if for miller regional had incorrectly applie