my name is jesse fernandez, i'm here with support of sf rising, people organizing to demand economic and environmental rights. i'm here in support for a public bank that will move us in a direction to achieve sustainable community investments. from new development, to acquisition of existing housing stock, time and again our tools and resources are to create and retain affordable housing are spread too thin and fall too short of the affordable housing goals and commitments we have as a city. a public bank would increase our local control and allow us to support as well our cherished mom and pop businesses, for example, the chicken coop that had to close its doors because they couldn't afford the prohibitive costs of seismic retrofitting or newly designated businesses like besitas bakery which is experiencing unreasonable rent increases. that came to a halt. in the resession it was the same private institutions that were unaccountable and ripped families from their homes. my own family struggled with this. as federal tax reforms are beginning to limit or will limit affordable housing,