i have worked at first republic bank for six years now. i use the cafÉ several times a week. way to save money, but connect with other first republic employees. by having a restaurant just for employees, were able to connect and meet in a more relaxed setting. we are able to see each other and come up with new ideas. we are also able to meet with clients and have one-on-one meetings with them were other people okay overhearing us. is a really nice way to connect with clients. the cafÉ is also part of our culture to have fun. i urge you to say yes on this. thank you. >> thank you. next speaker, please. >> hello, commissioners. my name is julia and i have been working at first republic bank for about two years. i work on student loan refinancing. i am a longtime bay area native and loyal bay area native. i grew up in the east bay and went to stanford and have resided in the mission ever since. i love working at first republic , which are promise you get bankers do not say about their jobs. when i first got my job, my grandfather was so excited. he is 89 and he took bart over fr