i am erica sandberg. i live in knob hill and city on the community advisory board on homelessness. i am here to talk about propositions 47 and 57. primarily 47 and the impact on this city specifically. it has bell boldened criminals and put citizens in danger and make officers work harder with no results. the city is in chaos. if you go to any safe way in san francisco you will watch thieves pluck out whatever they like, walk out of the store. i have personally chased them down for fun. i volunteered services. i will help you out here. it is insane. i would like to focus on drug dealing. if we focus law enforcement attention to pressure on street sales i i very much believe many of the city's pressing problems under 47 and 57 will dissolve including the incredible problem with needles on the streets, i sweep them up every day. i just watched somebody inject in his ankle on the way here. any related crimes that have to do with sales. we can debate whether there is an increase in crime, the heightened drug problem is obvious. on that note, i would light to promote reducing crime and

joining us now to talk about the fine is personal finance expert erica sandberg. a-- is a one billion dollar fine enough? 600- thousand people were charged for car insurance they did not need. what does this mean for consumers-- and the future of the san francisco company? the bank will now be required to update regulators on its progress. wells must also show how it plans to identify customers hurt by its misconduct and explain plans to compensate them.ceo timothy sloan said the scandal-plagued bank has made progress toward "delivering on our promise to review all of our practices and make things right for our customers."other regulators have come down hard on wells, too. in february, the federal reserve handed down unprecedented punishment against wells fargo for what it called "widespread consumer abuses," including its creation of as many as 3.5 million fake customer accounts. under that penalty, wells fargo won't be allowed to get any bigger than it was at the end of last year - $2 trillion in assets - until the fed is satisfied that it has cleaned up its act.