it really doesn't take someone niall hor niall horwh who has lived here at all to realize that 82 is a logical solution to the problem. when the supreme court ruled that red lining was illegal, that the u.s. government recommended that we switch to zoning laws and now we're continuing that practice today, and that is a shame, so i urge you to support sba 27 and not -- 827 and not oppose it, thank you. >> hi, i'm a renter. i am not even middle income. i am here on behalf of the red stone temple associating. i just like to say that i think we need to make it easier for nonprofit developers to help build for poor and working class people and this bill goes in the opposite direct and doesn't address that. i've been hearing the rising tide since the 80s and have seen no evidence of that whatsoever. i think the mass problem has to do with speculative capital and the rich getting richer and the poor getting poorer. thank you. >> good afternoon. i'm a renter in the richmond district. i'm able to live in san francisco because i live in a four-storey multifamily apartment building built in the