ms. louisa mendoza. >> good afternoon to the panel ladies and gentlemen. my name is louisa mendoza, resident of san francisco for over 25 years. from south america via the caribbean. i am seeking a permanent appointment. also substituting in the board 1 as a hearing officer. real estate broker for over 15 years; practice real estate for 20 years when i began as a property manager. for 12 years i have been a certified mortgage broker; i do own and operate m&m financial services of which i also offer-- i do consult in insurance, as a licensed insurance agent. during my experience i have also done a lot of broker opinions for lending institutions, determining market values for property for the basis of the internal transactions. i have been a member of the san francisco board of realtors woman's council, now we are becoming again very active. i am also the president of the travelers club of san francisco. >> seeing that you already served on the board, if you could respond to the question that i asked of ms. lewis. >> i do believe that additional efforts can