bank of the west and the american part of union bank although it's owned by the japanese and charles schwab, it's still headquartered in san francisco. i'm not defending the banks but there is a reason why we have branch banking which began here as most of you know by apg to allow smaller depositors to be part of the process because you need a number of people, if you're going to take care of somebody with $2.37, as i was as a kid putting it in my pass book, you have to have a lot of people to be able to make it possible to service people with small needs and seniors and disabled do need to have services that are close to them and most of them, as is the case with me, want to have contact with someone personal, we don't want it through a computer. we don't want it to have to travel to the other side of the city. those are all some of the reasons why we need branch banks. they do employ a lot of people. and -- but the question is, what's wrong with the formula retail barrier that they have to have? the problem is, it's a one-size-fits-all solution. there are some neighborhoods who really wou

she is also senior vice present and operating officer at charles schwab bank.re an inspiration by the job you hold right now. >> thanks for having me. >> talking with congresswoman jackie speier? >> as she said we definitely made progress but diploma is so much ground to challenge. women make up half the graduate degrees and half the management positions but then something happens. the glass ceiling they don't get the next step to the ceo positions to the board positions. that is part of the work that pbwc, what do women need to do. >> cheryl: the conference is open to anyone who wants to go. who would you recommend. >> it's a great day. it's a great day of connecting as our theme indicates and it's really for women of all different phases after their career and all industries. that is what makes us unique. you can talk about your own challenges whether you are in media or financial services like i am. its great chance to hear different perspectives and get them to work for you. we have a wonderful line of speakers. two women from the top 50 women in business.

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as you all know, san francisco has hosted premier events, the charles schwab cup, the recent nfc championship games. these events put san francisco on a national stage. every employee, supervisor stepped up and made both events extremely successful. it was transparent to the attendees and the television viewers that there was a third team out there. that was the recreation and parks department. it is extremely proud of my team. add to this one of the most beautiful park systems in the world. i am extremely lucky. lastly, i want to thank my parents and my wife, vivian, and my two daughters, jennifer and some of the, for their love and support. thank you. [applause] >> steve castile. [applause] >> i started working for the public works department 15 years ago. we are like a family. it is a very close-knit group. i think, because of that, we get the best out of people. one of the problems we encountered in the city was we were not able to pay our vendors and contractors. people were entering data inconsistently. documents were always getting lost. payments were not going out. the numbers do not

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