i don't fault christian hyoshi for that. the only thing a fault is that there should have been alterations to the proposal and we should have copies here. we should have lots of copies of the presentations presented by staff; when this comes up, we don't get to see copies at the meeting. this is what we call a shondic [sounds like] not something good about what your staff has done to us. 99.9% of the meetings i attend we always hear the staff report before we have public comment. it did not occur here. the down payment process was discussed hardly at all at a town hall meetings. very little time was given to it because so much is important to number 11. in fact if i miss just, because those people at the top of the list have been working so hard and made a commitment to the industry don't tell them go to you know where. because we don't like you. it's better to start with maybe 50 people; charts maybe 60,000; the next 50, 100,000, and the next 50 150. >> chairman nolan: next speaker please. >> good afternoon ladies and gentl