brighterchiu's efforts -- supervisor chiu's efforts have gone a long way in that. there has been the erroneous information regarding fees. do we agree with that language? i will not say we do. we will respect his efforts to try to address if it is a consumer fraud issue. that is language that addresses the issue you have been raising. this will cost thousands of jobs. it is not disputed that we are 30,000 jobs short where we were two years ago. don't do something that will hurt the economy when it could be solved without hurting the economy. supervisor campos: can i ask you a quick question? i appreciate comments. one thing that is reported as their companies -- is there are companies that are actually accounting and marketing their services as a way of employers exploiting this loophole to make money. this is what "the wall street journal" reports. there's actually a brochure of this company has circulated that said the funds are not needed and the employer wins because the funds to stay with them, not the city. do you think that is right? do you think what that c