it is the case that sba works with these organizations to try to help small businesses understand how to get credit and fine tools to be able to do that. sba programs cover a wide range, and i will talk about this range of lending and the kinds of things we do, but in many ways, we do not do it alone. we do it with partners, and that is the takeaway message, the sba lending activity, while would guarantee loans through a number of lenders, we do it with a lot of other partners as well. let me give a little bit of a sense of what the small business administration does and is. we in san francisco covered the bay area and north coast counties, and we do a variety of things. i will come back to the credit card because i know that is what this session is about, but before i do that, there's two other roles we play that are important as well. one is about helping small businesses understand how to start businesses, getting good technical assistance, getting good advice about starting and managing your business. equally important is being prepared for credit. one of the things we tried to do

it's very important that my relief understands or any disca planner understands that c2 piece. second is understand the ics and then take the time to get the training. we put together a pretty robust training plan in preparation for this. we did the fema online course, eoc course at nasne, hadr course, trained with cal fire, take the time to take that training. it's tough to fit it in but it's important to fit it in and it will make us more effective. we did an exercise back in may in preparation for this and developed a pretty detailed concept of operations. we built load plan, timelines, spare parts lists, we really got into the weeds, thinking about the second and third tier effects, so i want my relief to understand that and i want him to know where that plan is so he can pull it right off the shelf if this ever happens and be ready to respond quickly instead of trying to figure this all out when we need to be getting underway. >> i'll boil mine down into just one, and that is i will pass to my relief to continue to support events like this and look for opportunities to con

last panel with, what i'd like to do is have our panelists introduce themselves so you can again understand their perspective and the lens they were looking through when they went through yesterday's medical exchange. >> my name is nadine baba, i am with the san francisco department of public health, unfortunately dr. karen holbrook couldn't be here. i work in the emergency preparedness section and our section is responsible for medical surge events in the city. yesterday's exchange was really helpful in forwarding that planning ?oo ?a i'm greg jones, i'm the fourth surgeon for the marine expeditionary brigedand i'm representing the excellent sailors who were responsible for setting up and operating the shock trauma platoon. >> controls ingels, california national guard. i'm one of the airmen and soldiers, almost 21,000 strong, that answers the governor's mission. it's available to all civil providers out there and emergency responders and it is in california the substantial or the equal of many third world countries in terms of military force that can be applied to a disaster. >> i'm lynn

we have to understand that. we

this is, i don't understand that, really. i think that you understand. i have been trying to be cooperative and from day one, you can see the letter. this is the last letter. i'm asking him. he get a notice of violation. i'm the one approaching him, this is what i need from you. he doesn't respond to that. >> i have one last question. have you guys tried mediation? >> no. i would like to -- because my mother was in emergency, she just passed away this week, sunday. i'm under pressure. i said can you exchange and ask them to give me information. instead he asked me to remove everything. i'm not the expert. you can do this to contaminate. this is all covered by. you cannot identify. those are blue color, now he painted yellow part of already. it's not just one time. so the expert come, he doesn't even want to give estimates. he said you have to ask the city to take a look what the seriousness. after they come and then we'll come back. they did give an estimate of $1875. he says that's an estimate. those people are 25 years in business. they have received a

really have to understand history to understand what the present is and certainly to move forward into i was raised by parents who were born in 1911 and 1912. and i was raised by parents who raised ten children in jim crow education. i'm the granddaughter of a man who was born a slave. and i talk about that in "reimagining equality." seeing that in two generations that my family moved from being property to owning property is one of those things that's inspiring. and it says, look, if you can't be optimistic you really have already lost because you've seen so much positive change. not just in my lifetime but also in the lives of people that you love. >> i'm always moved by your strength, your courage, your brilliance, and your insight. i'm grateful you spent time with us today. >> oh, this was a pleasure. thank you so much. >> stay right there. we'll be back with more "our world with black [ male announcer can gravity be used to help overcome gravity? the chevrolet malibu eco with eassist captures downhill energy, unleashing it later to help propel you uphill. it adds up to an epa-esti

the other is understanding the online/offline. we had alonzo coming in and speaking to us, they don't understand the impact, it's not enough for me to say we're going to do a workshop or a campaign, a poster thing, it's really about how do we change the culture of a community and a people and it's not just a one-off. >> what does it take? >> the thing about changing the environment again, changing the social norms, it helps to understand there are primarily about 5 different ways we can influence and warm the climate of a school or community, students being one, families and parents, staff, policies and young people themselves. if we can understand that strategickly, sort of get down out of the big conversation and look at ways how do we, as you said, educate the educators, make sure they receive the education and understand that relationships are as important as the classroom can urriculum, especially at the secondary level, continue to hammer out policies that are not so punitive but restore we want to connect to correct. we don

i don't understand that. i should always have in written form when somebody complains and not through phone that it's suspended. i just got the permit yesterday and the phone it says it's being an appealed again. that's causing the long delay. this is a simple problem. just get your architect to present the accurate height instead of stopping the job. >> i think typically, they list the requirements. your contractor should beware of what's required. >> before a permit goes out it, it goes out with the permit stapled to it and tells you what is very clear to follow. as i might add, this case started over a year ago when the defendant got a cite permit and started construction and as you know you cannot start work on a cite permit. you have to wait until your first addendum comes out for your foundation for your retaining wall. that's when we first went out there and that poisoned the water with the neighbors and so here we are. >> are there any questions from the commission? do you have anything else further,

nancy pelosi doesn't understand it, the health care industry has been trying to understand it and can't do it. the bottom line, and i'm looking at it it from the consumers point of view, your costs are only going up some 68 million people are probably going to lose their corporate sponsored health care as a result of obama-- >> how many? >> 68 million. >> at least wre going to create 21,000 jobs in california. is that really the bottom, bottom line? there's more it to this than economics? >> happened to take two minutes out of my life and started reading the 63 pages. rules for navigators and shut down after the second page. the same thing happening since day one. we were told we had to figure out what was going to be in it. we knew what was going to come. it's going to be much higher costs, all kinds of regulations and mandates, we'll get the surprises by the week, whether it's a $63 fee for just to have a fee or this. i can't imagine what this is going to cost two or three years down the road and my xktatix expectations. >> ben, this is an outline. the states are going to have to foot

and i think that's -- i think that is true from what i understand, but i also understand over the last three years dem has spent about $10 million on grant funding to augment a legacy sur system at capacity and p 25 interoperability and yet this new extended system doesn't have any new active users. my question again, why couldn't we use that $10 million to figure out what we're going to do here and add on to the $117 million system rather than building a separate $70 million system? >> and we will definitely look at that. and i think that's what we need the consultant to do, to help evaluate these different options because we have the ability to expand and build upon what dem has invested in. we also have the ability to expand and invest in what mta is building. so, i think we have a couple different options that we can explore and we would like some outside technical support to go through those options. >> okay. not be to be labor the point. i appreciate we're going to get a consultant to do this. what i don't understand is why we didn't do that last year, the year before, the year b

. >> my understanding was that we had already made a lot progress in understanding the brain. it is extraordinary how much we do understand but this does not necessarily translate into fixing problems. >> you are right about that. we understand some of the language in which the brain conducts his business. we can record from individual brain cells and see when they are firing and take images of the brain and living people and see some pretty amazing details. we don't really understand the ways in which circuits in the brain create all of the amazing phenomenon that our brains are capable of. from voluntary movement to something like laying down a memory and retrieving it. to do that, we have to ratchet up the technology into a new .ense and more powerful space we can figure out how these are conducting the amazing abilities that they have parent of this is a leap forward into a new and even more powerful place. >> will this new level of mapping provide a new level of treatment? i remember that members of congress are deciding whether to give you $100 million for this road map.

i understand how you can sit around and be pleasant. so what would you say, how do you explain for other people who think it is an insult to them to sit around and resold the people who have these use, taking me as the symbol of all those people. [laughter] dinner at his house and did so specifically, as you know, talons. other big you anytime anywhere. he brought in a bunch of supporters. tomorrow my house for dinner with me, my partner and son d.j. then some camera. and mark oppenheimer who is going to be interviewing. while he can be very sharp tongued at times i also think that he understands the importance of reaching across the divide begins becomes across a family, like so many of us do. you're in a family with the beverage group of people, some of them sharply disagree with you and very important things. i would love family members with whom i disagree on deeply important things in sharp voice. so i think that probably a people think hard about it they'll be a will to find some people in their lives to fit that description. for

this is, i don't understand that, really. i think that you understand. i have been trying to be cooperative and from day one, you can see the letter. this is the last letter. i'm asking him. he get a notice of violation. i'm the one approaching him, this is what i need from you. he doesn't respond to that. >> i have one last question. have you guys tried mediation? >> no. i would like to -- because my mother was in emergency, she just passed away this week, sunday. i'm under pressure. i said can you exchange and ask them to give me information. instead he asked me to remove everything. i'm not the expert. you can do this to contaminate. this is

>> well, i understand that there's been two fatalities.e. >> george, thank you very much. we'll be checking back in with you, try to get more information as you understand it. all of you watching, just talking to george and glenn, you have an understanding how quickly this is developing and how fluid this situation is right now, all we know at this point was that there was a massive explosion, and it's caused an extensive amount of damage and injured seriosly a lot of people. that's all we know at this time. as we find out more information and we're hoping there were not fatalities. the pictures you're looking at right now, give you a feeling for how severe and massive this explosion was. these were taken a couple moments ago. there is now an faa flight restriction around this plant, which is about 18 miles away from waco, texas. as we get an understanding how severe the situation is. it's a relatively rural area, west texas is the name of the town. there was a nursing home, which reuters has reported partially collapsed. we're unsure abou

that's how i understand the resolution. >> okay. i could go along with that language. actually, i would be okay with not having any reference to 2006, but to say that we actually, you know, issue a more flexible way of issuing bonds for our transportation and transit based on what comes out of the transportation task force. but if you insist on that, i probably can go along. >> you know, i understand your point. i think it's a reasonable one, but i also -- i think one of the reasons why -- and as president chiu referred to mr. north, one of the reasons why for a long time the voter had no appetite for general obligation bonds and then in the last number of years the voters have been very consistent in passing these bonds is that we've put into place this really wonderful capital planning process. we've been much more comprehensive and i think responsible as a city in terms of having clear policies and guidelines in place. and one of those is that we issue bonds and to retire them. i think the voters appreciate it when we impose that kind of fiscal discipline. and, so,

that's peeling theonion -- the onion and something we want to understand. and if we don't find out there is what we thought is a great opportunity. and what happens if they clash and they want the facility on the same day. our assumptions will be off. and the other part that we discussed a little bit. if you are departing, it's a lot simpler to turn the ship around -- well, not totally because they have provision. but it's more complicated if you are the embarkation point, it takes more time to get the passengers off, etc. whether we are the interim stop or the arrival or departure will make a differences in terms of how that will work. for a cruise ship stop-over. and i think it would be interesting if we can manage to have multiple events at the same time. what we want to make sure, that we understand and i am sure that your panel will evaluate this carefully. the special events marketing and how they reach out. just the corporate sector or the consumer market for weddings. the way that it is designed, that stanley gatti, a premier planner for the city. i

we have to understand that. we have to understand that in order to maximize the efficiency and efficacious of that resource. this year we did a command of control exercise and we did a communications drill and we did them simultaneously. they were sort of related, sort of not. one was, we brought out the coms people and said, play, we set up 3 points around the city and said play, make this stuff connect. see if we can talk to each other. we had the national guard above us in a helicopter, even though it was really foggy, they didn't see much, but they demonstrated proof of concept that they can connect the video feed. we learned there are limitations in things of band width and video feed that i'm not qualified to talk about, i'm strictly a push to talk guy. we know as a city when the earth moves, things fall, we get a lot of rubble. that's going to be one of our critical, critical things we have to do. we have to be able to move material and personnel and one of the ways we're going to be doing that is how do

cahen mentioned it's so important to understand the resources that his agency has versus the ones that the military has and he said at one point they started looking down in terms of typing, i have this, you have this, how are we going to respond and get the resources we need to deal with the incident. i'd like to hear from all of you what did you learn about what the other agencies' capabilities are and how did that open your eyes? >> yesterday we had a great opportunity to look at a variety of resources. in the midst of all the demonstrations that we had, we actually had an hour lecture on dsca, which is pretty incredible to get everything about dsca in one hour. it was a great effort by the folks who do that lecture. to show you how well i listened, i have some take away points on that. the first is that all disasters are local. the folks here in san francisco are going to be in charge from the minute the disaster happens and i think that that's really critical to understand. the local authorities evaluate the situation on the ground and execute what locally is available, then they

i understand things. most people wilnever understand that we have to control. it is such a way that it serves the purposes of secular as some sort doesn't challenge them. liberal christianity as a result of that and the doctrines don't matter so what does it mean to be a liberal,. we're being generally nice and with a heavy emphasis on tolerance and not supranatural and a stress on being done in this world and bring to the country practical way. there is overlap with christianity that if you do not clothe the naked and help the poor, help the oppressed me will be with the goats, they don't get a good treatment like the sheep so if you do not treat people well in this world you will have to pay for it so they have a very strong evangelical aspect that is helping people in this world but never reduces its message to that. but in the transformation in the community is what it means so you don't see any difference between what the secular liberal who doesn't believe in god at all the leaves should be done. that is simply indistinguishable from what it looks like if

in my opinion it is incumbent upon us as a local community to understand where our gaps, are understand what we will need in a time of crisis and understand how best to dovetail with the resources coming in. the military does what the military does and they can be incredible flexible. they can bring a lot of stuff to bear that we can never even imagine. it's our job to understand where those hard stops are for them and how they are best suited, because we can build out our plans in anticipation of that. in the case of, say, medical surge, we can look forward and say this is what we're going to need. we're going to need help with patient movement. we're going to need help with the chronickly ill because by the time the military arrives, a day or so into it at least, even with the best of plans, we're going to have to start figuring out how do we manage those chronic patients and you know what, moving stuff is what they're really good at. moving patients in particular, they are amazing. so we start to look at things like that. as we look through this and we start to talk, remember it's be

the danger of that he's a constitutional professor he seems to understand the dangers of take it too far in this situation but might he not i mean if the if the if the. standard here is. is there an imminent danger. the exigent circumstance you're talking right is there an imminent danger and and we can establish that that was determined fairly early on you know when this kid basically said no we had no more bombs you know there's no more not there's nothing taken out there you know that was established presumably in the first hour or so it isn't isn't it reasonable to say that we've already started stretching this thing too far and that we've seen so many holes. drilled in our fourth and fifth amendment rights. in the two that protects against the government invading our homes invading our lives or even taking our lives i'm frankly concerned about this well i think we should be concerned because you still have to have republican congressmen and people from the intelligence agencies saying gee we just did this we did we did this too soon that is a very scary message but the truth is

that's how i understand the resolution. >> okay. i could go along with that language. actually, i would be okay with not having any reference to 2006, but to say that we actually, you know, issue a more flexible way of issuing bonds for our transportation and transit based on what comes out of the transportation task force. but if you insist on that, i probably can go along. >> you know, i understand your point. i think it's a reasonable one, but i also -- i think one of the reasons why -- and as president chiu referred to mr. north, one of the reasons why for a long time the voter had no appetite for general obligation bonds and then in the last number of years the

and we blame what we don't understand, but kids love the media and it's time to start the understanding and understanding that these media are totally blended into their lives. it's not an alternate reality or something separate or add on that the school and the school context is what we're really talking about here and that is 90% of their waking hours. that's their social life. >> and one of the reasons that a lot of researchers and nonprofits don't like the term "cyber bull" and it's about the technology but not the behavior itself. we don't actually use the world cyber bullying. we talk about the behavior and there is tons of research we're doing in how people are behaving on our platform and the tools we can give them to resolve their issues and either through themselves and trusted audiences, et cetera, or turn to us and we don't use the term "cyber bullying" and we don't think about it's the technology. it's about the behavior itself and i know there is ongoing debate with that and cyber bullying captures people's attentions and everything i have learned from anne and the nonprof

we can't have that understanding. we can't do that work if we don't have the information on which to make those judgments. but i do think it's critical for us to do that, senator, yes. >> dodd-frank expressly required the cfpb to evaluate the costs and benefits of any proposed rule. you're familiar with that, i know. >> yes. >> if your economic analysis determines that a rule's costs outweigh its benefits, do you think the rule should still be implemented, rewritten, withdrawn? redebateed or what? >> so my sense of why congress tells us to do analysis of things like benefits, costs, impacts on smaller providers, impacts on access to credit, rural areas is because congress intends and i think has made it very clear that we should take into account our judgments about that in to doing whether to proceed with a rule or how to write that rule. maybe that a rule in one form would have negative impacts there, but if you modify it a bit, then it improves. so our specific provision is 1022 of title x of dodd-frank, and it spe

they need to understand transportation issues, transportation policies. they need to also have had experience managing projects, people and programs. and so, we are not asking that they have 20 years of experience or 30 years of experience. we are saying 10 years of experience do well. we'll find it. people will range anywhere from 10-30 years of experience. we don't want to shut people out because they have 11 years of experience or even 9 years of experience. we want to look at them on an individual basis. we put them here as preferences and we list some of the ideal characteristics that the candidates should possess. and some of those is team building. we heard a lot during our discussions about the ability to be a good team player, to be a good team leader but also to deal with adversity in a positive and comprehensive manner. but we spent a lot of the flavor of the write ups focus on the ability to collaborate and work with others. being a great orchestra leader is really a significant characteristic for the next executive director of the cta because

i understand why that seems like personnel. the order itself talks about documents that appear to have been requested later. >> that sounds correct. >> okay. >> any other questions for miss -- alice or slooi a, any comments on this item? >> i'm not sure how procedurally this should work but she should be provided this in writing for documents she's trying to obtain which are personal to herself. >> is there a reason this can't be provided in writing? >> there is no reason. but when we are sitting down in the meeting with the individual and they sat down and answered the question i didn't see there was a reason to follow up conversation and she said she was content with what she'd seen and i didn't find any reason to follow up with a letter. i didn't. >> is there any reason why we can't simply order them to produce those files to her without requiring the waiver unless you've got some other basis for which you are not willing to produce the files. >> at least my concern with doing that is we can do that under the sunshine ordina

you are seeing these people and you are understanding, you are hearing their stories and understanding their lives and understanding what the stakes are for people in terms of creating a fair system. most americans don't have that experience. and the whole idea, you say it's not fair, i think people respond to that, but it's hard for them to see that. i think it's hard for them to visualize because they are not seeing these real faces and not hearing these stories. even when we looked at the video and poster which is great for this conference which is gideon's picture. there was something about seeing his face as a real person and that personalizing of the issue that makes people respond in a profound way. so i think in terms of reforming a system or any problem that you are trying to resolve, there are two levels in which that works on and as a journalist i try toggle back and forth between these two things. how do you get an emotional response from people. people are moved to action by stories. they are moved to action by people's real life experiences when they see somebody, when th

by understanding some of these capabilities and looking beyond the obvious i think we're going to be able to develop some really cool medical surge plans and capitalize on the partnership between dod and the civilian world and i don't want to discount the other partners because this happens, this comes up every year and i have to say that it comes up every time we get lectured about there's the state, the state has resources, the feds, the other federal partners, they have resources, absolutely. when i say dod, please don't take it the wrong way, i'm encapsulating the entire family. when we throw a party, we go big. we don't do little things very often in san francisco but every hundred years or so, we do it in a big way and you know what, the bay area is overdue. we're going to need every player at the table. that's one of the best things we do with these exercises is getting to know what's available. with that i will ask the medical panel to come up so we can get the next part started here. >> thanks for that introduction, rob. as we started our last panel with, what i'd like to do

always appreciate the understanding. obviously the coin on the other side, when he came back from the trip, posted a video with a known radicalizer, that was in the same region where he was vacationing, very concerning to people. one of the pieces of what we don't understand in the situation we need to know better so things in the future go better in terms of safety and security. that's the obvious interest for everyone involved. >>> new information just this afternoon where the suspects may have learned how to make the pressure cooker bombs. that is going to be what we want to take a look into when we come back after the break. the kyocera torque lets you hear and be heard even in stupid loud places. to prove it, we set up our call center right here... [ chirp ] all good? [ chirp ] getty up. seriously, this is really happening! [ cellphone rings ] hello? it's a giant helicopter ma'am. [ male announcer ] get it done [ chirp ] with the ultra-rugged kyocera torque, only from sprint direct connect. buy one get four free for

okay, i understand, i understand. >> reporter: officially he denies the tsarnaevs schooled here longidered locals. the. >> these records show the four tsarnaev family members coming in 2001 from kyrgyzstan and then leaving it says here to america the 25th of march 2002. s. >> they were with us for five months, he says. their formative years were in america. it's their culture. hast that's where they socially matured. >> reporter: tamerlan didn't arrive in america until 2006. that leaves the possibility he spent five formative years in southern russia. in a troubled, poor region peppered with radicals, perhaps lies some of the holes in tamerlan's story that urgently must be filled if boston will ever know why. nick paton walsh, cnn. >> our thanks to nick paton walsh for that really interesting report. >> a half a million people are attending the london marathon today and security is extremely tight. plus a member of the royal family shows up to cheer on the crowds. we'll tell you who showed up right after this. when you have diabetes... your doctor will say get smart about your weight