credit unions offer micro loans. we do a lot of micro loans up to $50,000. this is -- we check credit. we need a business plan. then we look at the three-year tax return and that statement. we do a lot of home care and mom-and-pop shops. we also do start ups. we asked for approval through documents. we work a lot with people who do not know how to file taxes properly. we are mainly focused in san francisco. we are small. we focus mainly on the tenderloin, chinatown, bayview, visitation. we do a lot of expansion. people start small through the credit union and then want to go to the bank. we know we are limited. we cannot afford to give out a big loan. starting from the credit union, we educate them about filing taxes properly and then moving on to the bank, a small one, expansion, and we work with the bank. the bank and credit union are similar. we do allow tax returns, projections. credit unions do not charge an additional loan or processing fee. processing time, on a small loan, -- consumer loans probably a few days. because we require a business plan, som

before long i was experiencing micro sleep. looked like a normal wake driver but you can't tell that my brain is actually asleep. half hour in it became more obvious. i had fallen asleep at the wheel and driven completely off the road. that was nod got good. i soon realized i just couldn't go on. i'm done. >> put it in park then. >> good idea. it was too dangerous. that was tough. back in the lab, they showed me what was going on inside my brain while i was driving. >> this is evidence you're falling asleep. >> reporter: my eyes were open but see how the lines are becoming more jagged? that's sleep coming on. and these lines, show my blinking is getting slower. what about when i drove off the road? >> we could see it coming in your brain waves. >> reporter: looking at the chart here how long was my micro sleep? in this one episode? >> in this one episode we're talk about one, two, three, four, five or six seconds. >> reporter: what was most shocking, the doctor said i fell asleep, i micro slept 21 other times. >> you had dozens

we have many, many micro units in san francisco right now and it's called roommate situation. this is referred to a little bit in public comment. how many 3 and 4 bedroom apartments do we have in san francisco where there are three, four, five, six or more roommates packed into those apartments, one or two living in a small bedroom with 3, 4, 5, 6 people sharing one bathroom, sharing one kitchen, maybe no living room converted into a bedroom. that's called a micro unit situation where you don't even have your own private bath and bedroom. this will provide people with their own living space and their own private kitchen and bathroom. i also completely agree with the point that was made that we need more family housing. we absolutely do. and we should be supporting that. but almost 40% of san francisco ans live alone as i mentioned at the beginning. and we need to be focusing on that segment of the population as well * . the two are not mutually exclusive. so, colleagues, this is a good compromise piece of legislation. although i agree with mr. cohen and with the planning commi

>>host: thank you two micro for changing this. there is a big difference.s do not offer eau de parfum. ally it is eight wooden toieau de toilette which is between 12 and 15 percent. with the perfume is 15-18 percent. but marilyn miglin uses 25 percent. goes up to 30 percent. >>guest: you have a chance to wear a perfume which will make you feel like a star print. you have a final that comes with this. --you have afinal that comes with this. she is a mysterious, exotic, glamorous. >>host: we should talk about these notes. >>guest: [reading] >>guest: you do not stand a chance with this. it is doing everything for you that you want it to do >>guest: yes >>host: it is old hollywood glamour. look how beautiful this all wrapped into the sack him.sappthe satin. with a beautiful long crystal piece down the center. it is a half an ounce of the pure perfume. secure these. here is your crystal stopper. >>guest: you apply this around the rim of yourears and wear your heart beats. and here is a collector's bottle. >>host: i want you to know what this feels like. it fits

micro piles continue. they have 70 completed to-date, or by the end of november. installing bracing, under the 1st street bridge between zones 2 and 3. completing the trestle in zone 3. and excavation and bracing in zone 3 as it progresses along. the end section, the east end section, zone 4 buttress work continues. as i said they met the milestone of 162 and actually had 165 completed and continuing to get 2.5 a week. up-to-date progress chart and you can see on the chart kept by the program management folks, the team was right on target for the completion of the buttress work. a couple of the buttresses being worked on over of the last period. the contractor has elected to put in a sheet pile cutoff wall in the north-south division on division between zones 2 and 3 on eastside of the fremont street. this will allow them to start the excavation underneath the fremont street bridge and start moving into that zone 4 portion of that zone 4 excavation early before the completion of buttress work. so that shoring wall went in or that cutoff wall went in this last peri

i think the question is about what are the regulations around here to peer food, some of the new micro on to buy nor opportunities like food carts, etc. -- micro entrepreneur opportunities. >> i think that is really forward thinking. looking at food trucks, we streamlined the permitting process to make that quicker and better and faster process. that was obviously a very open process to make sure we resolve some of the tensions with others in the space. i think what you are talking about are things like underground sf, which i would be part of. i personally think it is a great idea, but obviously, we need to protect public health, and i think it is an area for more discourse and look at how we manage that, how we ensure safety in our communities, get, allow for this micro entrepreneurship and innovation happening at an individual level where people may want to make jams or jellies or some of the cool idea about food -- >> chocolate. chocolate. >> [inaudible] there is legislation that has been introduced in the state of california called the california homemade food act. i am actually c

>> as a micro lender, we expect the principles, the corporate form, to provide guarantees. >> personal guarantees. >> the same. 20% ownership in the company. [inaudible] >> [inaudible] >> i heard something about sba guaranteed loans. maybe i missed something.

women were able to get money micro loans to take them out of poverty and it was so successful that the big banks swooped in and they destroyed that industry and the nobel prize winning inventor of the industry was thrown tossed to the curb. so this is unfortunately you're dealing with an entrenched monopolist oligarchies that will stop at nothing to prevent competition from coming to the fore if these new technologies and platforms gain critical mass then the banks will stop at nothing to get rid of competition that's that's unfortunately we have a whole gospelly in place i do think you know they could try all they want. but there is a different sector there are people who know how to code right there are people who know how to innovate there are people and innovation is important is the mother of the necessity is the mother of invention and this is what and you whole thing does point out he says necessity is often the mother of invention now that the big banks are retreating from lending after the crash these new methods of financing could help fill that gap and you see this with the

it operates one of the nation's largest individual development, programs, a leading provider of micro loans in california, and has a robust community real estate finance unit. next, we have the ceo of ne community federal credit union. since 1988, she has been the ceo of northwest community federal credit union. under her watch, the credit union group to over 1600 members. it has become the national model for institutions seeking to provide financial education and banking services to the low- income communities. last but not least, we have our conditional lender represented here by wells fargo. mark cyrus is the senior fda banker for the region -- the senior sba banker. he held businesses choose the best loans for the growing business and focus on a comprehensive understanding of their goals for their business. mark is responsible for helping entrepreneurs with sba loans every step of the way. i would like each of you to speak a little bit about what your organization does and, more importantly, address the audience here and let them know what your looking for when you are hoping to f

let me mention ap geny and found an important bank and the inventor what we call the micro credit and helped the city recover from the big earthquake of 1906. guy mo roller who was the founder, established the opera in san francisco, by the way there's an italian directing the opera and laurence fergetty and 93 and good friend of the community. he is the father of the b generations and the guy that started the culture revolution of the 60's and 70's so in many ways italians have made lasting contribution to this city and the silicon valley. there is an important engineer that developed the first micro prosser for intel, so it's a tremendous foundation to celebrate italian culture 2013. also i was reminded by our pastors that san francisco gets its name from an italian man and holly man. it is noted. >> >> for kindness and compassion and generosity and i think these are traits that this city has adopted and made its own traits , so this is not to be under scored, not to be forgotten. what are we going to do in the coming year? basically we have three principles, three guidelines. we wa

we're passionate about the idea of micro entrepreneurship. we have created over 1000 jobs for people in san francisco to set their own schedules, say how much they want to be paid, do what they want to do. we're proud to be here, part of the sharing economy, and hearing from you guys as well. >> i am the director of public policy at air b &b. it is an online community market place where residents can lift their haul -- list their homes for rent when they are out of town. i am travelling next week and plan on listing my apartment for rent to a visitor. these hosts are in 19,000 cities. the use the income to afford the increasing cost of living, whether paying off your mortgage, paying rent, or expanding income. travels who use the service are looking for a different experience from a hotel. we have hosts in every single neighbor had in the city -- neighborhood in the city that offers authentic experiences. the hosts take pride in being unofficial ambassadors of their neighborhoods. the visitors enjoy the experience. the state average of five n

there is evidence that the micro nutrients keep tumors from growing as well. there's new evidence that pro teen can help reduce muscle loss. they discovered proteins that help muscles grow after exercise. they are looking for a way to artificially increase the protein with people who have muscle wasting diseases including cancer. >>> researchers at uc berkeley have pinpointed a gene that helps turn carbohydrates into fat. when it was disabled in mice, it did not turn into fat. it's significant because it may lead to new treatments for obesity and diabetes. >>> a lawsuit is taking aim at what one group says are dangerous chemicals and products for infants and kids. baby product ares sold by major retailers contain unsafe levels of a flame retardant called trip. the legal move is a good way to get the companies attention. >> we have opened a dialogue with these companies and let them know we will have legal standing to sue them if they don't take action. companies during those 60 day call us and say hey, let's figure this out together. >> michael green shows stu

micro piles continue. they have 70 completed to-date, or by the end of november.

micro piles continue. they have 70 completed to-date, or by the end of november. installing bracing, under the 1st street bridge between zones 2 and 3.

>>guest: micro plush fleece. lead you into the cozy place in your world and maybe you do not have one right now of your bed is not stay in bed and all are, you probably do notthe right fabrications. get through this comforter into the dry air and let it get warm and toasty and then throw it on the bed.you will throw your pajamas away because that is how great this fabric feels. at >>host: the same reading right here not only did you take $20 off of the price but you are paying the shipping and handling for us. >>guest: customer pet prior to look those goodies and everybody loved the fact that this really is a grown-up design element when you see paisley you are not baby blanket baby blanket is what you are feeling like you will not be able3 stop touching this because the tech talk quality is incredible and coloration and the choices i love green, if you shades of that great that, the read, it is all punctuated but the background beam of light in the will not fade. >>host: full, clean cut my king. at the same pric