i am sure if mr. egan can look back further into the 1980's in 1970's. what you will see is an ever- growing housing burden on the middle class. without expanding production, this burden will likely continue to grow. exacerbating the number of people who need subsidies. and so as it is we have a small subsidy by and we have primarily the majority that is dedicated toward low-income -- low-income and very low income households. we hear a part -- a cry for that portion of the pie to be directed to middle income. just looking at subsidizing mortgages to increase the possibility of owning a home from 14% to 25% would cost the city of $4.20 billion. we obviously do not expect to see that kind of subsidy any time soon. it begs the question what other policy responses are there to this growing affordability problem? i would like to emphasize that it is not us versus them approach. often individuals have categorized housing in san francisco as low incumbrances market rate or low-income vs middle income and that is factually incorrect and not politically construc