have, and actually have occurred, within the mayor's office when mayor nusome, pulled supervisor amiano at the time, and other leaders together to talk about what this legislation, would look like. and it was determined, that there would be two tiers not three tiers. in fact, what has occurred, as a result of this loophole is that there has been the creation of a third trao*er, a third tier, which is exempt, and there are no exempts. and there were none at the time, and that third tier of employers who have been able to get away with taking back the money, under false pretences for many of the employers who have actually restaurant employers who actually put a amount on the check that should be deducted for healthcare that often goes back into the pocket of those employers. and so, that is fraud. and i remember at the time that there was a clear understanding that this was just a start. and nobody even imagined at the time that it would not cover everybody. in the meantime, hundreds of millions, hundreds of millions of dollars, that should have gone to healthcare of poor and working fam