lattimer? >> my name is david latterman and i live in the excelsior and work in the excelsior and although i'm concern certainly no leader of the people who have come here to oppose the clustering of the mcd clubs i think i can speak on behalf of the them, since i have been in conversations with them for many months about this. as somebody who lives in the excelsior and works in the excelsior and owns a house in the etch sellsor and raising three children in the excelsior, i guess i guess as much say as anyone about this and i am for the record neighborhood. this issue, we can talk legalize on what exactly is "clustering?" but i think all of you have seen the maps of what the outer mission and the excelsior has turned into. there are two adjacent pot clubs already south of geneva, there are two on ocean, there is one a lit more to the north on mission at -- north of silver at green cross and petition for two more coming one next to green cross and yet another one, which is around the mission an

a area you see huge opportunity in as well, don't snunch the formation of at lattimer chant capital ar and a half ago was really based on the fact we know financials and think that investing in financeal is about investing and operating, being able to run the businesses. we think it's a once in a generation opportunity with two big too fail, too complex to manage, the continued separation of risk and deposits, so men of the larger banks going out of commodities. the opportunity for more entrepreneurial models and for investment by people who can really operate these businesses has just never been better. >> i'm interesting whether it is going to be new people doing the traditional banking thing or a totally different banking model, because to quote the f it. the other day in fact, anthony jenkins, who now running barclays, says the universal banking model is dead. now, they were saying that's, you know, perhaps an indictment of the ambitions that you once had with barclays, but i wonder if it's true, if you agree with him or if, in fact this is just going to be a new set of people wit