they are in addition to answer boardman to the three basic principles. as outlined here, on this line, they encourage investment by the city and entities that support community well-being through safe and environmentally safe practices, and encourage investment processes that offer banking products that serve all members of the community. entities that promote community economic development. the types of options you are interested in are consistent with social policy investment. again, does come after the safety liquidity deal requirements. prior analysis pewee considered six options and -- prior analysis. we considered six options. first was investing in credit unions and or community development banks. so that some of the city money, instead of going to the three major financial institutions, would go to smaller institutions that make more investment in the community, and particularly, towards more committed to development efforts. second is expanding existing city programs, serving those functions. third was creating a community investment program tha