homeowners to stake h on theiramp ma -- homeowners who stay close to their hamp modification will getenefits. there is time for the employment situation or other hardships in that family circumstance to improve and certainly over 60% of homeowners in hamp modification have lost a job or had loss of wages. >> thank you. >> thank you as i stated in my opening, treasury often in its defense of ham in defense of to non-cess, referred no ton hamp modifications. it is positive that these borrowers are not in foreclosure, the question remains on sustainability of the proprietary modifications of whether homeowners are better off. the occ and ots reports notwithstanding, we note -- we need to know this is a the terms of these perspiratory modifications to prepare -- to compare among servicers. well treasury be providing additional data with respect non-hamp mods? >> this is something we have discussed and we spend time thinng about within treasury. in terms h of theamp contract to services, our contractual relationship with services goes tohe modifications whe we are paying tax their incentiv

i represented in court dozens of homeowners.n every case i believe there's a strong defense to beat the foreclosure. you can only beat the foreclosure if you establish there's not a legal default. it is a widespread problem throughout the country. >> i'm a lawyer myself, and although i did a little bit of this work in my career, i department do a lot, so i start with that deficiency, but i will tell you there are legal defenses, and then there's defenses to the fact that my client is not in default, and that's what i'm trying to get to here is how many of those are in defense. were you actually filing an answer to the foreclosure petition saying made a mistake, my client is fully in compliance at least in terms of the payment of this mortgage? >> well, again, i don't think there's a simple yes or no because if you have these improposer fees, that causes a technical default under the note. if you're looking at the cases where someone was absolutely not in default and no question about their payments, maybe 10% of the cases i hand

i represented in court dozens of homeowners. in every case i believe there's a strong defense to beat the foreclosure. you can only beat the foreclosure if you establish there's not a legal default. it is a widespread problem throughout the country. >> i'm a lawyer myself, and although i did a little bit of this work in my career, i department do a lot, so i start with that deficiency, but i will tell you there are legal defenses, and then there's defenses to the fact that my client is not in default, and that's what i'm trying to get to here is how many of those are in defense. were you actually filing an answer to the foreclosure petition saying made a mistake, my client is fully in compliance at least in terms of the payment of this mortgage? >> well, again, i don't think there's a simple yes or no because if you have these improposer fees, that causes a technical default under the note. if you're looking at the cases where someone was absolutely not in default and no question about their payments, maybe 10% of the cases i ha

i represented in court dozens of homeowners. in every case i believe there's a strong defense to beat the foclosure. you can only beat the foreclosure if you esblish there's not a legal default. it is a widespread problem throughout the country. >> i'm a lawyer myself, and although i did a little bit of this work in my career, i department do a lot, so i start with that deficiency, but i will tell you there are legal defenses, and then there's defenses to the fact that my client is not in default, and that's what i'm trying to get to here is how many of those are in defense. were you actually filing an answer to the foreclosure petition saying made a mistake, my client is fully in compliance at least in terms of the payment of this mortgage? >> well, again, i don't think there's a simple yes or no because if you have these improposer fees, that causes a technical defat under the note. if you're looking atthe cases where someone was absolutely not in default and no question about their payments, maybe 10% of the cases i handled.

let's see what these homeowners have on their list.n bouchard have been in this windham, new hampshire, home for a little over a year. they built a brand-new house so that they could spend less time renovating and repairing and more time with their boys-- caden, owen, and now, one-month-old sam. a few months ago, they were at their local john deere dealer, shopping for a mower, when they threw their name in the hat for the drawing, which they won. so, after meeting the family and taking the tour, it's time for me to pay up. first of all, congratulations, guys, for winning the contest. do you win a lot of contests? >> no. >> no, never win. >> no, so this was exciting. we forgot about it. we didn't even remember that i had put our name in. matt was buying a tractor, and, um, we got the call, and i don't think we've believed it until we actually saw you guys. >> wow! that's pretty cool. i've never won a contest and everything, but i know it's, you know, hopefully it'll be a good experience. what are some of the things you hope we can acco

as a homeowner you can make the decision about what you will do and what's the best thing to do. >> homeowners may be able to avoid foreclosure with a short sale, loan change or perhaps refinancing. hudd sponsored services are free. >>> there are new reports that mark heard discussed secret acquisition plans with a contract who later accused him of sexual harassment. the source said he told fischer act the plans to buy data systems back in 2008. he resigned after the company found -- said it found inaccurate expense reports. they said there was no evidence of harassment. >> it's time to fall back. daylight savings timings ends at 2:00 a.m. tomorrow. fire officials always suggest to check the batteries in your smoke detector. >> how i love that extra hour of sleep. >> yes. >> when we wake up we might have rain. let's check in with mark. >> yeah. that's right. the storm might be the alarm clock tomorrow morning moderate to heavy rain approaching the coastline. on the maps, we have some rain to the south but this is the one we watching for sunday up toward the authority north coast. all the activ

for 20 years, we've watched san francisco homeowners and renters learn new landscape practices. for 20 years, we have watched san francisco homeowners and renters adopt an borgmann to lisa berlinski practices. it has been our experience that san franciscans want to adopt sustainable home landscape ruckuses because it is meaningful and a direct way to contribute to be local and global environment. we support the wednesday ordinance because it gives san franciscans the opportunity and guidance to maintain water eat fish and landscapes. with practical and hands on instruction, like we have offer for 20 years, we have seen that san franciscans are eager to adopt the best practices for sustainable landscape. thank you. supervisor maxwell: all right, next speaker, please. >> i am from the urban farmers store. we have been active in irrigation for well over 30 years. i was involved in the right of the precursor to the state law that spawned all of the local -- and local ordinances. -- spot all of the local ordinances. i applaud the ordinance. with the prior ordinance, there was a lack

. >>> four words that homeowners can use to stop foreclosures. the magic phrase that has helped one couple ten times. >>> it has billions of songs, shows and games. but all the while, i-tunes has been missing something. how a meeting of the apples is expected to change that. >>> don't touch my junk. that is what a california man told airport security agents who tried to frisk him and now he is a folk hero. i will da yee tells us more >> reporter: is it a full body x-ray and electronic strip search. >> it is invasive and reveals too much. >> reporter: but this is travel security today. >> if i have to get on the plane do i have a choice? >> it is a full body pat. >> i prefer that. >> they touch everywhere including your private parts. >> this is unbelievable. >> reporter: john tyner of san diego refused the body scan patdown. >> i opted out. they walked me around and explained to me they would do a patdown. >> reporter: his confrontation with tsa captured on his camera phone. >> we will be doing a groin check. i will place my hand on your hip and

as you mentioned, this storm did affect some actual homeowners and it is easy to be overwhelmed in a situation like this with such widespread destruction and they are often overwhelmed. the attorney general with the department of labor, licensing and regulation are offering these tips to avoid getting taken by scam artists. avoid contractors who come to your door unsolicited. hire only licensed contractors. insist on a complete written contract. know your rights to cancel the contract. pay only one-third in advance and be cautious of home improvement and financing offers. as for the insurance, officials say documentation is key. >> you want to take pictures, keep copies of your receipts, right down what the offor and insurance company told you. be sure you understand all of the steps along the way. >> insurance officials say it is very common not to know what your insurance covers until you get affected by something like it. if you want to find out more go to wbaltv.com and look for links for both the department of labor, licensing and regulation and insurance administration. >> for

homeowners need to wake up and understand this is war we're.he banks and these constitutins are fighting against ou way of life. >> thank you both for coming on and me share this story and we look forward to having more conversations with you guys. ckudos on the work you're doing. >>> up next, looking for the truth in the age of truthiness. when everyone has their own facts, is it too easy to do whatever you want when you can discredit anyone's facts as easy as saying so? we'll be right back. ♪ [ ted ] for years, i was just a brewer. until one of the guys brought in some fresh bread that he'd made from our pale ale. and from that first bite, i knew my business would never be the same. [ male announcer ] when businesses see an opportunity to grow, the hartford is there. protecting their property and helping them plan their employees' retirement. ♪ beer or bread? [ male announcer ] see how the hartford helps businesses at achievewhatsahead.com. [ male announcer ] see how the hartford helps businesses [scraping] [piano keys banging] [scraping] [ho

for 20 years, we've watched san francisco homeowners and renters learn new landscape practices. for 20 years, we have watched san francisco homeowners and renters adopt an borgmann to lisa berlinski practices. it has been our experience that san franciscans want to adopt sustainable home landscape ruckuses because it is meaningful and a direct way to contribute to be local and global environment. we support the wednesday ordinance because it gives san franciscans the opportunity and guidance to maintain water eat fish and landscapes. with practical and hands on instruction, like we have offer for 20 years, we have

in fact servicing practices may be putting homeowners at risk. even the industry now acknowledges the current mortgage servicing business model is broken an is not equipped to deal with the current crisis. many observers put out the interest of third party mortgage servicers are not aligned with the interest of the homeowners or investors. so for example a permanent modification might result in a homeowner keeping the family's home and the investor being assured of a better return but the same modification could cause a servicer to lose money. the shot is that there would b extensive problems without the servicing process. that may have led to in the words of the federal reserve board and i quote her pandora's box of predatory servicing tactics. according to the governor these tactics include adding of fees, strategic misapplication of payments which can sometimes cause the loan to be considered in default which some people call service durbin defaults, and the inappropriate assessment of the insurance which is extremely costly to the homeowner.

lately, some homeowners are wising up to the bank's practices.ple are using a new weapon to delay foreclosure long enough to renegotiate their loan. allen martin says their battle cry is "show me the note." started two years when their adjustable rate >> reporter: chuck and eric are trying to hang onto their richmond home. >> we're not going to let the bank take the house. >> reporter: it started two years ago when their adjustable rate mortgage jumped from 2600 to $4,400 a month. they soon fell behind and the bank foreclosed. but there was a problem with the paperworkment. >> they don't have the note. it's as simple as that. >> reporter: he is talking about the prom sensor renote that homeowners give the bank promising to pay back the bank. where is the note? normally it stays with the bank that issued the mortgage. however notes can be traded, sold to other institutions, and when that happens the sale is supposed to be recorded with the county. that is basically the way things have worked in america since the 160 0's. but then about 10 years ag

, fixed income homeowners that pro live rate in our city's southeast sector, in our city's southeast sector, mission district, and in the sunset. the reason i say the safeguard is because, let's be honest, living in the historic district is a burden. it drives people out. we see this in other cities. it is not for everyone. and so we don't see any type of process in the proposed article 10 to address those concerns and those needs of those homeowners. in fact, i don't think they're even aware that this discussion is going on here at city hall. if you don't have any safeguards, what you invite is the sheer force that drive folks out of communities, plus you invite blockbusting, a very insidious form -- [inaudible] that i've seen and have personally zelt with in the city of pasadena. ms. jackson indicated that one concept that other cities have turned to is an opt out type of provision. if you don't want to live in one of these districts, despite the best intentions of the commission, of the board, or the initiating force, you don't have to. the city of houston, texas, right now, they

. >>> homeowners are also hard at work in baltimore county. big repairs are under way. >> officials say it's impossible to know how many storms the trees were torn down. but they're not all small trees. i can tell you that. check this out. it is huge. it came down in the middle of the storm. literally uprooted. >> missed the corner of this house by just a matter of inches. only minor danger for this particular homes. but other homes in this area, not so lucky. >>> saws were buzzing, hatchets were flying. and limbs were falling. >> total debris all over the yard is just enough. >> homeowners up to their elbows. because it's not just one or two trees down. dozens of monstrous trees have toppled. >> well, there's one. but everyone has been hit. >> reporter: so many trees down, the power company is still out in force, fixing things, as are plenty of contractors, hired to quickly repair or replace damaged rooms on several homes and garages. >> some of these yards look like a disaster zone. with trees down everywhere, many of the homeowners still wa

i was a homeowner thinking about solar electricity for my home. i had to answer a bunch of questions. one, does this stuff work? would it work on my home and most importantly, can i afford it? well, i did the research. i bought a system. now i get to share that knowledge and that experience with you. for the next 30 minutes, we'll have a class in solar basics and we'll go out in the field and see an actual solar system being installed. 30 minutes, solar basics, stay with me. >> let's talk about the technology, what is it and how does it work? there are three types of solar actually when you sauk about solar. i want to avoid the confusion to make sure we're focusing on the right one. two of them involve heating water and they're very viable technologies, can be very coast effective but we're not going to deal with them right now. one is solar pool heating. it pumps the water up there, heats it, runs it through there, the sun heats it and back into the pool. this one is called solar thermal or solar hot water. it heats domestic hot water or d.h.w. t

if passed, the law hires homeowners to change their alarm. hotels and motels and apartment complexes and people who own rental homes will be required to do this when the law goes into effect. they have to do this with any expect detectors. the city passed a similar law in the summer making it the first city to do such a thing. live here in palo alto, today in the bay. >> thanks for the update. >> dale city legislation would allow the city to take over some control of the venue. the state department of food and agriculture operates the cow palace. it comes after 16 people attending a cop frens had to be rushed to the hospital. it head to the senate. >> the city cannot pay $110 million worth of new construction at the airport. officials are trying to find ways to raise that money. the shortfall happened when they tried to extend $450 million in credit. four banks agreed to provide $340 million worth of that and some say they may increase credit lines with the city. a firth did no longer help because they are ending business in the united states

and on the other side are homeowners who say that those who are coming in here are pedaling toxic goods. shakespeare wrote that which we call a rose by any other name would smell as sweet. but shake peer never opened a discount store here. >> is this about being snobby? >> absolutely not. >> reporter: the store is dollar tree and the roses are plastic poinsettias surrounded by birthday party plates to sunny delight and nothing over $1. >> people are looking for a bargain which -- and this is the best store. >> reporter: the town wants to turn shuttered store fronts into their bustling dollar store. >> what is wrong with dollar tree moving in >> we were concerned about their extensive track record of not protecting consumers. >> reporter: loyal shoppers say that is a snooty cover up. >> they are snobs. i told you. well, they are. i know a few of them. that's how i know. >> we do not discriminate on who comes into this town based on the services offered. but we do discriminate on retailers that sell hazardous and dangerous products. >> reporter: holly says she thought she was buying the n

it's very, as you can imagine, scary and troubling and quite confusing for homeowners who are trying to stay in their home and do a modification and yet the foreclosure proceedings against them are going forward. i think that's something that the banks talked about trying to change today but certainly the lawmakers and the state attorneys general want to force a change on that. >> woodruff: we know the senators and i guess house members do plan additional hearings on this. brady dennis, we thank you very much for talking to us. >> my pleasure. >> ifill: still to come on the newshour, closing gaps in air security, >> ifill: still to come on the newshour, closing gaps in air security; offering therapy to child soldiers in uganda; ending legislative earmarks; and honoring afghan war veteran salvatore giunta. but first, with the other news of the day, here's kwame holman in our newsroom. >> holman: chances faded today for senate action this year on a nuclear arms treaty with russia. the number two senate republican jon kyl said he does not think there's enough time to address republican

i'll play the homeowner. i want to modify my mortgage.going to be able to make these payments and had a guest on a couple of weeks ago. i filed for the modification plan. there's another system at the same time that's a foreclosure processing system that doesn't know i have either filed for the modification or have been accepted, so i'm thinking everything's hunky dori and then all of a sudden, the other computer system, the foreclosure system will come in and sweep my house out from underneath me when i think i'm dealing with it and the systems are not in communication. is that correct? >> that's crystal clear. typically referred to as dual track and what ends up happening to make your example, is even worse. when the homeowner's is in communication with the servicer, when they miss that first payment because they're being told to so they can apply -- >> they're instructed to not pay one month. they're told, don't pay this month. >> they're told not to pay for three months because it's three months that puts you into default under the te

. >>> and a bay area company accused of scamming homeowners in need of help. what happened when we confronted them. >>> and the calendar says november. but it sure won't feel like it. 80-degree temperatures. just around the corner. i've got the fabulous forecast coming up. dentures are softer than teeth. and a lot of people, when they get a denture, they think the best way to clean it is by brushing it with toothpaste. toothpaste contains abrasives that scratch dentures, leaving microscopic crevices where bacteria can grow, and bacteria can cause bad breath. the best way to go is to soak them in polident. only polident is proven to clean without scratching and kills 99.9% of odor-causing bacteria. i recommend using polident and soak every day. murder trial. >>> former congressman gary condit took the stand today in the chandra levy murder trial. he said he never publicly acknowledged his affair with levy because he believes he was entitled to privacy. he said he first realized he was a suspect when a detective asked him about the relationship. a sal dor immigr

. >> about 6,000 bay side homeowners in san mateo will be getting a break from fema.he homes were included in the federal agency's high flood risk map in 2008. homeowners to live between highway 101 and the bay will pay insurance premiums of up to $2700 a year beginning in january. the san jose mercury news reports those property owners decided last summer to levy themselves with new annual fees of about $76 to pay for leavee improvements. >> time now 4:37. i think there's only minimum risk of flood damage today in the bay area. >> never say none, right? >> that's right. >> but honestly with the sunshine and the lovely temperatures, mike? >> are we right about that. >> it wouldn't be weatherwise. going to be gorgeous once again if you like the fall sunshine and the warm weather. we have it again for you but we're starting off rather cool this morning. look, more 30s out there, napa, novato, santa rosa, fairfield, livermore, menlo park, half moon bay all in the mid to upper 30s. most of us low to mid-40s, fremont, san francisco and los gatos around 50 degrees. compared

on the other side are homeowners who say that the dollar tree store slated to go in here is peddling toxic goods. but others anne the outside tell me this is really about homeowners trying to keep their noses in the air. shakespeare wrote "that which we call hallows, by any other name, would smell as sweet." but shakespeare never tried opening a discount store in maraga. is this about maraga residents being snobby trying to keep this type of store out. >> absolutely not. >> reporter: the store is dollar tree and the roses are plastic pony set as, surrounded not by anything but birthday card plates, to bird day cards, nothing over $1. >> people are looking for bargains and this is the best store to get around. >> reporter: they want to get in by turning 10,000 square feet of shutered store front into their own bustling dollar tree. but that's turned into an upscale battle royale with residents are accusing city hall to grieving the process. listen what they are firing with. watts wrong with dollar tree's moving in. >> we're concerned about them not protecting consumers. >> reporter: t

the homeowners' equity program has assisted more than 44,000 homeowners.of that number, more than ,000 people have avoided foreclosure. live from the newsroom. >> all right, thank you. here's a look at top stories. anne arundel county police are investigating an alleged rape. a 23-year-old woman said she was attacked while taking out the trash at the 8100 block of scenic meadow drive. anyone with information is asked to call the anne arundel county police. and jesse duffy and vincent davis were arrested after police found more than 2100 starter marijuana plants in their home. it also pirating electricity to power the operation. it had been running for the past year and they had plans to dismantle it. the 34-year-old arrested last month after allegedly plotting to bomb undercover -- undercover officers -- his trial has been set for april 14. >> president obama made a stop in his boyhood home of indonesia today. it is part of his nine-day asian tour. mr obama expressed support for indonesia, which has been hit by a tsunami and a deadly volcano. >> the united

. >> suarez: paul solman investigates who wins and who loses when homeowners modify their mortgages. >> i don't think, and i thought it was murder. i think the people would tell you it's murder. >> woodruff: plus, two takes on hiv-aids treatments, we look at a new pill regime which could reduce transmission rates. >> suarez: and spencer michels reports on one company's approach to provide affordable aids medication here and in the developing world. >> this idea that you would charge full price for the developing world left a long time ago. >> woodruff: and jeffrey brown talks to food columnist and cookbook author molly o'neill about the best recipes from kitchens across america. that's all ahead on tonight's "newshour." major funding for the pbs newshour has been provided by: >> opportunity is a powerful force. set it in motion, and it goes out into the world like fuel for the economy. one opportunity leading to another and another. we all have a hand in it, because opportunity can start anywhere and go everywhere. let's keep it moving. this is the engine that connects zero emission

we have held out reach events in over 50 cities where homeowners and servicers are on-site. they are meeting in person and they had the opportunity to talk about the modification one on one. what continues to be very disturbing is that when we survey, we still find that many homeowners that stand in line, that come to these events in the with their servicer, the first time they are making a connection with their servicer is at that event. it is a daily reminder to us that there continues to be some disconnect in the call and contact the environment. >> let me ask another question of you. when the contact person for the bank, who is not a sore berserk, who is answering miss jones on this first call looks at the debt and a look at the end come. they are looking at whether or not this person qualifies for a loan modification. basically, miss jones now has a property that is under water. it is not what -- it is not worth what she thought she had purchased. it is not the same thing. so ms. jones really will never qualify for a loan modification based on a difference in income --

with the destruction homeowners are often overwhelmed. the attorney general office and department of labor, license being an regulation say avoid contractors who come to your door unsolicited. hire only licensed contractors. insist on a complete written contract. no your rights to cancel the contracts. pay only one-third in advance and be cautious of home improvement and financing offers. as for your insurance, officials say documentation is key. >> you want to take pictures, keep copies of your receipts, write down what the adjustor and insurance company told you. be sure you understand all of the steps along the way. >> for more information on some of these tips go to wbal tv 11 ne news.com -- wbaltv.com. we told you some that were proposed by possible scam artists. we will have more of that at 5:30. back to you. >> a deadly end to an intense standoff in baltimore county yesterday. it began with a shooting in a home in the 9500 block of oak trace away. terrence wilson shot his wife before barricading himself in the home. >> he was walki

this makes it more difficult for homeowners to trade up and move into better homes. in fact, for many families, the mortgages that the whole today are worth more than their homes are worth. this means that they cannot easily refinance their mortgages or sell their homes if they need to. on the foreclosure side, foreclosure completions are at all-time high. the initiation of new foreclosures may finally be starting to slow. recently, there is been a lot of attention on cases where the documentation used in the foreclosure process may have been flawed. the fed actively encourages efforts to find a viable alternatives to foreclosure. not many people know this but we have officials that work with mortgage counselors and community activist to support distressed homeowners. at the same time, we have to recognize that it is important that foreclosures to comply with the law can take place. this is a necessary part of returning the housing market to normal conditions. along with two other agencies, the fed is reviewing the foreclosure practices at the major banks and mortgag

but not most of the homeowners. >> reporter: some banks have frozen foreclosures. others like bank of america and wells fargo continue to foreclose properties. >>> being unhappy with your body can affect how you think and feel about yourself. a poor body image can lead to low self-esteem and eating disorders. they attended a workshop where students learn how to be happy with their physique. >> reporter: whether at the house center or counselling services students can speak to someone if they are not happy with how they look. at the health center tuesday students attended body image 101 where they learned how to be comfortable in the skin that they are in. nationalasha is a peer house educator who specializes in body image. she says the media has created airbrush perfection that's not reality. >> body image becomes so distorted and it makes it so that natural looking women or regular folks don't feel secure in who they are. >> reporter: katrina is a junior bio chemstrip major and born with a cleft pallet. she walked with her head face down so people would not stair

many of the homeowners still waiting for their insurance adjustors to come out with the damage. >> i don't know how much they're going to cover. >> no matter where the money comes from, it all adds up to a busy bonanza. >> it's going to make a lot of people happy to do this for a living, like me. >> reporter: but homeowners like cameron brendon aren't smiling. he's lost too much and knows the cleanup ahead won't be easy. >> that's a lot of damage. >> how long do you think you'll be cleaning? >> probably about two weeks. >> that's the sentiment from a lot of folks around here. fire officials, meanwhile, say that 92 homes were damaged in baltimore county. three of them damaged so badly that they were deemed uninhab tal. most of those -- uninhabitable. most of those staying with family and friends. >>> was it a tornado? the official word from the national weather service is expected pretty soon. meteorologist tim williams explains why it is so difficult to determine. >> well, vic, was it a tornado? that's the one thing we don't know. what we do know is the 85-mile- per-hour winds, clock

northern california homeowner. a hund blocking >>> trapped by a tree and no way out for a northern california homeowner. a 100-foot oak is blocking the driveway after this grass valley home. the tree weighed several tons and it came crashing down in the middle of this latest storm. the man's insurance company says it can't come out until midweek. >> and i said, what am i supposed to do? i can't leave the house. i'm a prisoner of my house. >> reporter: robert mccullen says he can't hire a tree service to move it because it will cost more than $1,000, money he doesn't have. >>> ivan burgess was born with severe disables. the family counts on a van to take him to medical appointments. well that van was recently stolen. and today a company that installs hydraulic steps was donated. and ivan was very thrilled. we'll be right back. ,,,,,,,,,, join the jaguar platinum celebration ! come celebrate exciting cars that are stunning to look at, exhilarating to drive and worry free to own. celebrate this holiday season with the

. -- is pitting an elderly homeowner against the phone company. >> she will turn 70 in a few months and is spending her golden years locked in a fight with a corporate giant. this verizon telephone pole is leaning on her roof. it is crushing the corner of her house, damaging the gutter and the tiles. the damage estimate so far is nearly $5,000. >> these should not be so close to hamas. >> as she waits for heart surgery, she worries this is all taking a toll. >> i do not have a pension. i do not have an ira or a 401-k, and this is my money in the bank, and they are robbing me. >> this has turned into a two- year battle. >> this was not ok because it would impede access for anyone with a disability. >> over $900 million. >> that is quite a telephone bill. the nearly $2 million is the estimated cost of burying the phone line. verizon tells a different story. the estimate was not for the resident, and she knows that. >> that is a total misrepresentation. >> she has her supporters, including one council member. >> probably what makes the most sense is for verizon to pay for it and pass it on

the master homeowners association will take care of and permanently maintain the fast majority of these improvements in perpetuity. finally, the developer carries all of the risk financially. i will explain later what those costs and risks are. four primary public benefits. which is talked about this being a private public partnership. i want to talk about what we're asking for. there are four themes and you will see these in the development agreement. we are asking for a one-to-one replacement in the rent- controlled units with new units and full location rights for all existing tenants. that is non-negotiable. we are requiring all existing code required baseline improvements. any existing rules today, st. tree requirements, courtyards, private open spaces, these all apply to this project. so, there is no waiver of those rules. the project is proposing a state of the bart system. we will get into much more detail at that. those are above and beyond the standard approach. finally, we have a whole package where we define the kennedy improvements. these are the items that i mentioned earl