i am jeanine cotter and i cofounded in 2004 in the sunset district since 2004 we have been designing and installing solar electric and solar hot water systems in the san francisco bay area and we have installed more systems in san francisco than any other company. we are based in san francisco. i live in san francisco and we hire san franciscans and we benefited from go solar sf. that has been an amazing program but one thing that program doesn't aggress is the issue of energy efficiency, water conservation, transportation, the off loading of natural gas as a fossil fuel that we use to heat our homes and it also doesn't address how to pay for solar electric systems and solar water systems over the life of those systems and that's an impediment and right now the vehicle for that is third party ownership and investors group and wallstreet owns the systems on people's homes and only addresses the solar electric system and not how we reduce the natural gas usage, how we reduce hour water usage and how we decarbonize our transportation and those three issues are actually major issues with