mr. kramer, for coming today. let me ask you then, so how do you think that we could expand the cannabis workforce into really professional, to be a profession, from every level? you mentioned people who do the trimming, people -- first line, like we talked about apprenticeships here, we also talked about local hire. and since you're a san franciscan, i'm a fourth-generation san franciscan myself, what are some of your ideas about instituting those types of things? and also a relationship with city college, since we now have free city college. >> if they taught a course at city college, that would be great. because that's the problem in this industry right now is that everybody thinks it's a gold rush. like i'm going to make a million dollars in this industry. and some people are. the fact that a lot of people are getting into it and have no experience. and then they're hiring people with no experience. then you have a whole workforce that has no real experience. i think proper training would be great. and i think

introduced the claim act with senators merkley and kramer to end the confusion and legal exposure that arises between the state and federal insurance laws. mr chairman, i'd like to -- mr. chairman, i'd like to introduce a -- mr. chairman, the acting chairman, introduce a letter. >> anyone with me is acting chairman. >> then i'd like to ask you now to consent to the claim app -- no. thank you, mr. chairman. miss pross and miss sherwood, when a business contains a commercial loan from a financial institution, is it common practice for the bar to retain certain types of insurance? >> yes, senator. it depends on what type of business and what type of loan. fire and casualty, hazard, business continuity, environmental, all of those are requirements and we're unable to close a loan without those. >> is that your experience as well? >> yes, it is. >> what happens when they are unable to get insurance coverage? >> we are technically supposed to force place, but if that's not available in the marketplace, we would have to call a loan and ask them to pay us off. >> so at maps insurance is typically required on all loans because of the loan collateral