. >> public speaker: fred sanchez with protect our benefits.om delta dental, i get it from our retirees and in the handbook you get two cleanings a year, but what the complaint is it has a rate in there something like $175, and the delta dentist that you go to, he might be charging you $325, a cleaning. so you get this thing where the 175 and they will go, well, the literature says it's free, and i said, okay. i can bring this before the health service commission and how is that rate set? it is set by charter? how do we close that gap? i don't know how you do that. that's the question we get all the time. it says it's free, but it turns out it's not really free. >> thank you. >> with that, anyone else can move to our podium now if not we'll move to close public comment. >> >> madam chair, we have two callers on the line. >> we want to make sure that caller is muted. is that something you are able to do moderator? i can check in if you are not. >> please check caller 3. >> thank you. just a moment. thank you for your patience. we want to be sure

my name is fred sanchez, the president of protect our benefits. the comments been made so far are very encouraging. just seeing that ashley du is standing by remotely so she can answer questions is a perfect example on why the retirement system is so unique and yes they have retirees all over the world and they have investments all over the world, so taking the tool out of your tool box at this time really doesn't make sense. i applaud you once again, that is why i continue to praise the retirement system board as one of the best run departments in not only the city and county of san francisco, but in the state and in the nation. it is a outstanding retirement system. i hope that you will all vote unanimously to maintain remote public comment and i thank you all. >> thank you for your call. modraert, do we have any further callers? >> madam secretary, no callers on the line. >> public comment is now closed. >> we have a motion to continue as we are today. >> i move that we continue our current process with remote access for members and beneficiari