be sure to join us on tuesday, august 11th, as we welcome all ohio treasurer josh mundell for a conversationalovernment transparency in the 21st century. for more information about that or any upcoming ipass forums, please join us online at city club.org. a community partner is open any io did they help cities make public data accessible to citizens. we thank you very much for your support. to tableslcome guests posted by the federal reserve bank of cleveland, and st. luke's foundation. we thank you all for your support. now it is time to return to mr. heisler for the traditional city club q and a. we welcome questions from everyone come including guess. holding on microphones are stephanie jansky and elizabeth falco. first question. this is fascinating information. recently, i heard and read an article by the gentleman who made the cake up for coffee. for coffee. a great idea with individualized coffee cups in the morning. he recently came back and said i regret making the k cup because there's a critical mass of them and our landfill. great idea -- unintended consequences. when using about t