my name is matt sutter. i've been driving for 27 years. i am currently paying off this medallion that means nothing to me anymore. i don't know if you guys are aware but in the last week, two drivers now are not getting refinanced by the bank. the bank said no. they made all their payments on time, and they will not refinance. what are we supposed to do? there is a provision in there that says that if this medallion fails, we get our principle, and we get our issue. that is all we want. you want to talk about your virtual app at the airport? where do you think the drivers are going to sit? i contacted the san mateo counties -- each jurisdiction and told them, you guys think you want to do this? i sit at the airport because i can't drive all day every day, and you want to take that away? i think you should be ashamed of yourselves. you guys are trying, though, and i want to say i appreciate your trying and thank you so much. [applause] >> so the question was asked why the sales, why the program ended, why there's been no transfers since apr