my name is francisco da costa. let me be very straightforward here. this hearing is about a banking system and how we can leverage our monies from the taxpayer and city revenues. having said that, supervisors, we did have a fairly good report from the treasurer, and i would say that even though he has not given his report, our a successor has done a pretty good job. but whenever i heard after that is fluff, and i will tell you why. supervisors, you know that since 1993, there has been a division between the corporations and the people. and today, the 99 that you see protesting all over the world is talking about that. now we, supervisors, as a reno, -- as we know, who has created, who has lied, links to the subprime loans from derivatives, algorithms' -- as we know, who created the toxic loans? why do we want to have anything to do with them? that is the question. and your people come over here with different names, people who are alive with a rogue developer could you supervisors should be very careful not to deal with them. [bell rings] i am here to