supervisor avalos: when we talk about a miscible back, people think about the retail bank with atm's, dennis kearns, but our partnership with other states spreads are risk out, but that is down the line. >> sure. we have programs here in san francisco that we can look at, where the city departments are offering small loan guarantees, different types of assistance to businesses or individuals. that might be something that we can look and learn from as well. supervisor avalos: supervisor mar. supervisor mar: thank you for your work in making banking more grass roots and down to earth for people in our community. i also support a regional-public bank as well. i wanted to ask a question about the current banking arrangement for the city. we currently bank with three banks, bank of america, wells fargo, and union bank. given the occupy sf and wall street protests happening around the world, there is a lot of focus on the lack of accountability on those three banks at least. how did we come to the decision to go with those three banks? what flexibility is there to make changes in that arrangement? >> a l

supervisor avalos: when we talk about a miscible back, people think about the retail bank with atm's, dennis kearns, but our partnership with other states spreads are risk out, but that is down the line. >> sure. we have programs here in san francisco that we can look at, where the city departments are offering small loan guarantees, different types