dta chose not to take a possession. edna and chose to take the lead and they wrote letters of support. we scheduled a meeting on november 7th. we didn't just invite the neighbors around. we invited the entire 300 feet radius. we had a light attendance and ate chocolate and heard no objection. i have included in our package for you that you see in the dtn a formula retail checklist. they had the foresight to receive between desirable and undesirable retailers. this should be a template for how we meet for a good desirable formula retailer. see's candy cares about the community it's in and everyone loves chocolate. we feel the neighborhood does too and this should be an approved despite that it's in a retail concentration area. it does not result in increased in formula retail uses and replaces an existing formula retail use. i hope you see through the trees and ask you to approve this application. i have someone from a pet shop across the street and i sent that to kc. here is a letter for you from the model a ford club f

in addition, dta and [speaker not understood] could use some of that money in order to increase service down in the peninsula by getting -- de-emphasizing the shuttles, but unfortunately these shuttles are robbing these agencies of the funding they desperately need. as you can see, san trans, they are cutting their services this week. so they can really use some of that money. >> thank you. next service. (applause) >> [speaker not understood], forest hanson. rebecca rodery guess. a >>> good afternoon, my name is dominic haig. i live in san francisco [speaker not understood] years and i want to give you my perspective. we've heard from people who benefit from shuttles. [speaker not understood]. my goal is to work in the 95 451 [speaker not understood]. now as of recently i started working with a company involved in the shuttle business in san francisco. i rarely have to drive. i normally take a bike to work. what we're doing is bringing innovation to the [speaker not understood] areas. this is an excellent [speaker not understood]. so, i urge you to adopt it. >> thank you, sir. next spea

it was dta

continuing to see progress in terms of the dta utilization, and its capital positioning relative to the rest of the group is best in class, and that's really what's going to drive a lot of the value for this name longer term. so it remains -- >> a buy rating on the stock? correct? >> a buy rating on the stock, we do. the most upside relative to the other universals we cover. no question this particular quarter, the results were disappointing. certainly on the trading side, and the expense management was also a bit challenged. >> right. >> at the same time, again, the focus is really going to be on what's driving long-termall that's excess capital generation. >> neil, address that, if you will. stephen, excuse me one second. you know, we did have disappointments. jpmorgan was a disappointment to the street in terms of some of the components. but in general, the lending issue and the air seems to have come out of the refinancing which a lot of these banks really helped to bolster their bottom line. >> absolutely. large double digit declines in refinancing and mortgage originations weak. r