dsw's are we covid is the perfect example. the only time we used the dsw program. at least in recent history. can you clarify the issue there? i'm sorry. so with dsw, it was messed up. we were required to go to different places and i know there was a checkup but there was no accommodations. meetings were left minute and people were required show up. or -- and there was no they were not accessible meetings. so mystery places people were in the dark or for example had a meeting without interpreter there was not enough time. it was last minute. it was impublic to get an interpreter because of an emergency. i am wondering, i know they are required dsw has requirements and also to they need to make those meetings accessibility. and we could discuss this more in another time. >> this is nicole. one thing i will add to orchid's comment being someone deployed in the beginning and most of the way through, covid, we learned that we did not have an effective reason accommendation request process right away with the dsw. this is something that came gradual and in terms of afte

dsw energies of the second-quarter net meeting and we have paytm and we were looking at this on fridayr the second quarter which were much better than had been anticipated. those are some of the companies we are looking at for when the trading day gets underway in mumbai. we have also questions about the boj. haidi: there's always questions about the boj and the yen as well. we saw a little 50 level being breached and does that flag high intervention risk? we shall see. the beds are being placed on with a negative policy rate, extraordinary subzero rates come to an end. the latest mliv pulse survey of over 300 survey participants saying that 51%, a majority say the first half of 2024 is when we will see the negative rates end. about a quarter people say could be sooner in december. 8% saying at the next meeting. the question has applications. is it likely to bring significant volatility when it comes to bond markets? the largest portion of that response, 61% seeing a reverberation through world markets with the biggest consequence being seen in terms of what we potentially see for u.s.

we are part of right now the gender based violence portfolio through dsw and other agencies and other departments as well. but that's our has been our home for many years. so so we really i really see our agencies, our members in for four distinct areas. certainly the jewel in the crown is our shelter based programs. but so many people in san francisco either there's not room for them or they're trying to navigate staying in their homes, staying safe and receiving services. so most most san franciscans are in non residential programs. we'll talk about homeless survivors of domestic violence in just a moment. our agencies i really see as shelter and non residential. you'll see from orchid's work today that our shelters are much more than just domestic violence shelters. they offer a wide array of services. so san francisco has a 24 hour domestic violence crisis line funded by the city. all the agencies have their own crisis lines during the day and they forward to one centralized location at the end of the day. so we are pretty efficient. then i think we can look at legal services. so