hi, ms. fong. how are you doing? as you know, my office has been exploring how to establish a municipal bank. that conversation has carried decade-old considerations about working with banks, particularly in most recent banks that invest in oil, banks that have been found to have predatory lending practic practices. all of these issues have been brought to the forefront of the conversation. i want to make sure that the investment decisions of the ta reflect the standard and principles we uphold when we're doing business with banking institutions throughout -- consistent with our other city and county agencies. so i was wondering if you could share with us at this time some of the social considerations that are made when deciding which lenders to work with. >> i'm glad you brought this item up. this is something that the whole city and county is very interested in. there's actually a debt manager's group that i participate in with other agencies within the city and within the county. this is one of the things we talk