now when faced with a pension plan, $2 more an hour, they made choosethe hra. if there is a catastrophic accident, the person choosing the hra is going to get screwed. i really believe this legislation, as it is written, is counterproductive. supervisors have raised a great question. where does the money go? what happens if the employee changes jobs and has full health-care benefits? where does that money in the hra go? these issues are not addressed in the current legislation. we provide health care to our employees. we want to level the playing field, close loopholes, but this legislation, as it has been written, has not been thought out well enough. supervisor campos: thank you. next speaker please. >> i am a third-generation owner of a san francisco business. i pay taxes, 100% in compliance with all the laws. but my business does not reside in san francisco. my office is in daly city. you talk about leveling the playing field. the playing field does not even level with the current provisions for healthy san francisco. it does not cover any employers that are