name is lawrence crownander, i'm the manager of the mattress company and on the board of the hayes val glabehood association and haim -- valley neighborhood association and the chair of the business association. i come today together with russell from the hays valley merchant to urge your support of the inclusion of financial institutions within the definition of formula retail. for most of the reasons that have been already stated, because of the vibrance, effect that institutions that are closed at night have on the vibrancy of the neighborhood and on its unique character. hays valley has been built and revived over the past few years largely through though not solely through the great efforts of the merchants of the neighborhood and creation of the unique character. in addition to that there's the fact any neighborhood as gentrifing, there's concern over commercial rents. when a bank which has very large financial resources as compared to individual business owners moves in, it can have an effect of the raising of the rent throughout the neighborhood sofment it is for all of those reasons i u